AMFI Registered Mutual Fund Distributor
Grow Your Wealth with Confidence
Comprehensive financial planning & mutual fund solutions for professionals, families, and retirees. Partner with clarity and discipline.
500+
Happy Families
₹25 Cr+
Assets Managed
10+ Years
Expert Experience
Our Process
Personalised Financial Solutions
We guide you through every step of your investment journey with clarity, discipline, and expert support.
1. Personalised Mutual Fund Advice
We analyse your income, goals and risk tolerance to recommend mutual funds that fit your financial journey.
➡️ Tailored recommendations
➡️ Invest with confidence
➡️ Invest with confidence
2. SIP Planning & Management
We help you set up and optimise Systematic Investment Plans (SIPs) that suit your cash flow and goals.
➡️ Smooth, disciplined investing
➡️ Stress-free wealth creation
➡️ Stress-free wealth creation
3. Goal–Based Wealth Planning
Plan for life goals like children’s education, home purchase, and retirement with a clear timeline.
➡️ Roadmap for every goal
➡️ Priority-aligned
➡️ Priority-aligned
4. Portfolio Review & Rebalancing
We regularly check and rebalance your portfolio to keep it aligned with goals and market conditions.
➡️ Stay on track
➡️ Avoid over-exposure
➡️ Avoid over-exposure
5. Complete Support & Handholding
From account setup to transaction tracking and support — we guide you at every step of the journey.
➡️ Hassle-free experience
➡️ Clarity at every stage
➡️ Clarity at every stage
Planning Tools
Financial Calculators
📊 Investment Inputs
₹500₹2,00,000
1 Yr40 Yr
1%30%
0%25%
Total Invested
₹12.00 L
Principal amount
Estimated Returns
₹11.26 L
Wealth gained
Total Value at Maturity
₹23.26 L
After 10 years @ 12% p.a.
📌 Investment Breakdown
Amount Invested
Est. Returns
📈 Year-wise Growth
📋 Year-wise Breakdown
| Year | Amount Invested | Est. Returns | Total Value |
|---|
🎯 Your Profile
18 Yr70 Yr
40 Yr80 Yr
50 Yr100 Yr
₹0₹1 Cr
📉 Financial Parameters
₹5,000₹5,00,000
2%15%
1%20%
1%30%
Retirement Corpus Needed
₹3.82 Cr
Total savings required at retirement
Monthly SIP Required
₹18,450
To reach retirement goal
Monthly Pension
₹1,19,615
Inflation-adjusted at retirement
Years to Retirement
30 Yr
Growing years ahead
💡 To retire at age 60 with monthly expenses of
₹30,000 today —
accounting for 6% inflation — your retirement pension
will
be
₹1,19,615/month. You'll need a corpus of
₹3.82 Cr that sustains withdrawals for
20 post-retirement years.
📈 Wealth Accumulation Journey
📋 Savings Milestones
| Age | Invested (Cum.) | Corpus Value | Progress |
|---|
Our Philosophy
"We believe that financial planning is building security, clarity, and confidence for your family’s future."
Our focus is simple: help individuals and families invest in mutual funds in a structured and disciplined manner, aligned with their life goals.
We are here to build long-term financial relationships. At the heart of this commitment is over a decade of experience and professional guidance.
Founder & Advisor
Meet the Expert
Rashmi Bhamare – Mutual Fund Distributor & Financial Planning Guide
Expertise built on clarity and discipline
With over 10 years of experience in the financial services field, Rashmi is committed to helping families build long-term financial stability through disciplined mutual fund investing.
After a successful 13-year corporate career as a Project Manager at Infosys, she transitioned into financial services to pursue her mission of empowering individuals to make informed investment decisions.
An AMFI-certified Mutual Fund Distributor, Rashmi combines analytical expertise with a structured, goal-based approach. She assists investors in selecting suitable mutual fund schemes aligned with their financial goals, risk appetite, and investment horizon — while offering ongoing support and portfolio review to keep them on track.
- Media & Publications
Promoting Financial Awareness
📘 Author – Invested or Rat Race Trapped
Through her book, she highlights the importance of disciplined investing and moving from financial uncertainty to structured wealth creation.
📰 Print Contributions
She has written financial awareness articles for local magazines on emergency funds, retirement planning, and mutual fund basics.
📱 Digital Awareness
Through regular social media initiatives, she shares insights on SIP discipline, goal-based investing, and protection against digital fraud.
“Her objective is to empower investors with knowledge so they can make informed decisions with confidence.”
- Her Approach
Rashmi believes mutual fund investing should be simple, transparent, and aligned with life goals. Her approach focuses on understanding each investor’s needs and facilitating suitable mutual fund solutions with clarity, discipline, and long-term commitment.
Common Queries
Frequently Asked Questions
1. What does a Mutual Fund Distributor (MFD) do?
A Mutual Fund Distributor helps you invest in mutual fund schemes that are suitable for your financial goals, risk profile, and time horizon. We assist with scheme selection, paperwork, transactions and ongoing support — all in a transparent manner.
2. Do I have to pay you directly for your services?
Mutual Fund Distributors are compensated by the Asset Management Companies (AMCs) through commission within SEBI-prescribed limits. No separate entry load is charged by the distributor. You may choose to pay a fee for services, but it is optional and must be agreed upon beforehand.
3. How are mutual fund returns calculated?
Returns are based on changes in the Net Asset Value (NAV) of the fund, after all expenses have been accounted for. The NAV reflects the value of the assets in the scheme on a given day.
4. Can I invest in mutual funds even if I’m a beginner?
Yes. Mutual funds are designed for all types of investors — beginners to experienced. You can start with a lump sum or through a Systematic Investment Plan (SIP), depending on your financial situation and goals.
5. What should I consider before choosing a mutual fund?
Key factors include your financial goal, investment horizon, risk appetite, and the fund’s past performance relative to its peers. We help you understand these factors and make informed choices.
6. Is mutual fund investing risky?
All investments, including mutual funds, carry market risk. The value of your investment can fluctuate up or down. Diversification helps manage risk, but no investment is completely risk-free.
7. How often should I review my mutual fund portfolio?
It’s good practice to review your portfolio periodically (e.g., annually or semi-annually) to ensure it remains aligned with your financial goals and changing market conditions. We can help you with regular portfolio reviews.
8. How do I track my mutual fund investments?
All mutual fund NAVs and scheme information are published daily by AMCs and available on the AMFI website. You can also track your investments via CAMS/KARVY/RTA portals or through your distributor dashboard.
9. Can I stop or pause my SIP anytime?
Yes, SIPs offer complete flexibility. You can stop, pause, or change the investment amount whenever you need to. There are usually no penalties for stopping an SIP, which makes it an ideal tool for cash-flow-based investing.
10. What is ELSS and how does it help in tax saving?
ELSS (Equity Linked Savings Scheme) is a type of mutual fund that qualifies for tax deduction under Section 80C. It has the shortest lock-in period (3 years) compared to other 80C options and offers the potential for higher inflation-beating returns.
11. Why is nomination important for my investments?
Nomination is crucial as it simplifies the process of transferring your investments to your loved ones in your absence. Without a nominee, legal heirs may face a lengthy paperwork process to claim the assets. We ensure all your folios have active nominations.
12. Is my financial information secure with Money To Life?
Absolutely. We prioritize confidentiality and security, ensuring that your financial data is protected at all times through secure platforms and encrypted data handling.
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