Frequently Asked Questions

We are a full-service financial firm. Under one roof you get mutual funds and SIPs, Portfolio Management Services (PMS), Alternative Investment Funds (AIF), trading services, insurance, and NRI investment structuring including GIFT City routes. That means you manage one relationship, not four advisors. See the full detail on our Services page.

GVNG is led by founder Nishith Gandhi, with over 25 years of experience in Indian markets, and is an authorised franchise partner of Motilal Oswal Financial Services Ltd. You can read more about our story on the About page.

Our office is at A-516, Titanium Business Park, Corporate Road, Makarba, Ahmedabad 380051. And yes — we work with clients across India, and with NRIs across the world. Onboarding, reviews, and consultations can all happen remotely.

Simply book a consultation or reach out via our contact form. We will assess your risk profile, set up your Demat account, and guide you through the rest — most clients have their first SIP running within two weeks.

You can start a SIP with a small monthly amount — what matters far more than the starting amount is consistency and the right fund mix. We wrote a full breakdown of the math in How a ₹10,000 SIP Can Quietly Build You Crores. Book a free consultation and we will help you pick the right starting amount for your goals.

At a 12% long-term return, a ₹10,000 monthly SIP grows to roughly ₹47 lakh in 15 years, ₹1 crore in 20 years, and ₹1.9 crore in 25 years. Add a small 5% annual step-up and the 25-year figure jumps by over ₹1.2 crore more. The full tables, charts, and the step-up strategy are in our SIP guide.

Because more than half of SIPs in India are stopped within three years — usually during market falls, which is exactly when they should continue. The investors who reach the big numbers are not the smartest; they are the ones who did not stop, stepped up every year, and held the right portfolio. That behavioural gap is precisely where an advisor earns their keep.

Safe from market falls, yes — but not safe from inflation. After tax, a 6% FD returns roughly 4.5%, while inflation runs at 6%+, so your money quietly loses buying power every year. In a real 9-year case study on ₹50 lakh, an SWP created about ₹30 lakh more wealth than the same money in an FD, and paid five times less tax. See the full numbers in Why Your ₹50 Lakh FD Is Quietly Losing You Wealth.

SEBI sets a minimum investment threshold for Portfolio Management Services. If you are below that, a well-constructed mutual fund portfolio typically achieves similar goals. Book a free consultation and we will help you choose the right route for your situation.

An SWP (Systematic Withdrawal Plan) is the mirror image of a SIP: you invest a lumpsum in a mutual fund and withdraw a fixed amount monthly, while the remaining corpus stays invested and keeps growing. It suits anyone with parked money who wants monthly income without eroding the principal — from a 35-year-old with a bonus to a 60-year-old retiree.

Usually not — and this surprises most people. At 7% urban inflation, ₹1 crore today has the buying power of only about ₹13 lakh in 30 years. A realistic target is 25 to 30 times your annual expenses in future rupees. We built a free calculator so you can see your own number in The ₹1 Crore Illusion.

Yes. We help NRIs, OCIs, and foreign nationals invest in India through mutual funds, PMS, AIFs, and GIFT City (IFSC) structures. Onboarding is fully remote — no India trip needed.

GIFT City is India’s first International Financial Services Centre — effectively an offshore jurisdiction on Indian soil. For NRIs it can mean zero TDS on mutual fund exits, USD-denominated investing, and no rupee conversion drag. We explain the entire structure, the tax law behind it, and who qualifies in GIFT City: How Smart NRI Money Is Quietly Moving Home.

Be careful with the label. The MSCI Taiwan index is now roughly 51% one stock (TSMC), so “buying Taiwan” is really a concentrated semiconductor bet, not country diversification. Single-country bets belong in a small tactical slice — 0 to 15% of your foreign allocation, not the core. We unpack this in The Indices Lying to You, and the wider AI-driven market cycle in Is the AI Boom Real — or the Next Big Bubble?.

Yes. We help clients invest directly in US stocks and ETFs, including through fractional investing, so you can build exposure to global names like Apple, Microsoft, or Amazon as part of a well-rounded portfolio. Book a free consultation and we will walk you through the best way to get started.

No — and anyone who tells you otherwise is not being honest with you. Mutual fund investments are subject to market risks, and every figure we quote is an illustration based on historical category averages, not a promise. What we can control is the structure: the right fund mix for your risk profile, disciplined behaviour through crashes, tax efficiency, and annual reviews. That is what actually drives long-term outcomes.

As a Motilal Oswal franchise partner and mutual fund distributor, we earn through standard distribution commissions built into the products — the same structure across the industry. Your first consultation is free, and we will always tell you plainly how any product we suggest compensates us. Ask us anything about this in person; transparency costs nothing.