Investment Management
Available across Bengaluru
We manage your investments with regular check-ins, honest advice, and plans that fit your life, not just one-time product sales or automated tools.
Pricing Guide
Starter SIP & Tax Saving Setup (Digital Onboarding)
Strategic Planning
- Risk & Goal Mapping: Questionnaire-based risk profiling and alignment of SIPs to specific targets like tax saving (ELSS) or first major purchases.
- Compounding Strategy: Implementation of the "15-15-15 Rule" methodology to maximize long-term wealth creation cost-effectively.
Execution & Setup
- Frictionless Onboarding: Complete digital handling of KYC registration (CAMS/KRA), bank mandate setup (NACH), and folio creation.
- Remote Assistance: Support via phone or video call for document processing and setup validation.
Investment Model
- Regular Plans: Investments are routed through distributor-model "Regular Plans" which involve trail commissions paid by the AMC to the provider.
- Fund Selection: Access to standardized, high-performing Large Cap or Flexi Cap equity mutual funds.
Comprehensive Family Wealth Audit & Legacy Planning (Doorstep Service)
The Financial Doctor Audit
- Asset Restructuring: Deep-dive review of existing Real Estate, Gold, Stocks, and old Mutual Funds to identify and eliminate underperforming assets.
- Insurance 360: Full analysis of Life, Health, and General insurance adequacy to identify gaps in family protection.
- Loan Strategy: Advisory on restructuring EMI strategies and utilizing debt effectively for wealth creation.
Premium Service & Legacy
- Doorstep Consultation: In-person home visits by senior advisors (Dr. V. Govindas or Partner) within Bangalore limits.
- Legacy Data Creation: Organization and digitalization of all financial documents into a "Family Financial File" accessible to the next generation.
Ongoing Management
- Custom Portfolio Construction: Tailored asset allocation across Debt, Equity, and Hybrid funds based on retirement timelines.
- Periodic Reviews: Quarterly or half-yearly rebalancing based on major life events.
About Investment Management
My Approach
Managing money is not just numbers and charts - it's about making sure your family is financially steady, come what may. After working with families for 30 years, I can say most people don’t need fancy apps, but a real person to listen and guide. I keep my advice real and straightforward, always putting your needs before anything else.
Why Talk to a 'Financial Doctor'?
ನಮ್ಮಲ್ಲಿ ಹೆಚ್ಚು ಜನರಿಗೆ ಹಣದ ವಿಷಯಗಳಲ್ಲಿ ಸ್ಪಷ್ಟತೆ ಇಲ್ಲ (Most of us still aren’t clear about money matters). Apps can’t understand your struggles or dreams. I act like a financial doctor: I listen, ask questions, and prescribe what actually fits your life, not just what some software spits out. Your info stays safe with us, always.
How We Work Together
- We meet and talk about what you want for your future.
- I look closely at your current situation, no sugarcoating.
- Together we start a plan, usually with mutual funds or a long-term SIP strategy. You can even begin with ₹1000/month.
- I’ll keep an eye on your portfolio, not just set and forget.
- As life changes, we tweak the plan so it always fits.
What You Get
- Real talk on risks and returns, not just promises.
- Portfolio rebalancing advice to keep things on track.
- Step-by-step guidance so you don’t feel lost.
- My promise - honest advice, no hidden agenda, and support as your life grows.
Wealth building is a journey, not a race. I’m here for all the steps.
Meet your Expert
Cauvery Associates
My Story
Started way back in 1994, hungry for a better life for my family. Back then, no mobiles, just landlines and chasing clients with directions like 'near the panipuri shop'—if the shop shut, toh gaya (then I was lost)! MDRT 2005 was a big moment, counting numbers till the last day. My mentor, Mr. Appachu, always checked on me. Family has sacrificed, so sometimes I just pack up and escape Bangalore for a bit. Yoga, instrumental music, and just chatting with clients—that's how I recharge. Learnt a lot from them.
My Work
All-in-one Financial Services - We cover financial planning, mutual funds, SIPs, insurance, retirement, tax, wealth management, and even loans. Custom investment portfolio for every client.
Your Financial Doctor in Bangalore - We don’t push products. We listen, diagnose, and give real advice—just like a doctor, but for your money.
Honest, Transparent Advice - No sugar-coating. We stay customer-first, always giving transparent insurance advice and realistic plans.
Legacy & Long-term Care - We keep checking in as life changes. Now, my son Harshit is with us, so our holistic wealth management covers your family for years.