How We Work
& How We Earn
We believe you deserve to know exactly how your investment distributor operates — including how they make money. Complete transparency is the only way to build lasting trust.
Book Free Consultation →SEBI/AMFI Compliance Disclosure — Please Read
We are an AMFI-Registered Mutual Fund Distributor (MFD) with ARN: 341075. As an MFD, we are not a SEBI-Registered Investment Advisor (RIA).
- ✅ We place you in Regular Plans and earn trail commission from AMCs (not from you)
- ✅ We do not charge advisory fees — our income comes from AMCs
- ✅ SEBI prohibits charging fees AND earning commission simultaneously
- ✅ Regular Plans have higher expense ratios than Direct Plans — this is the real cost of using a distributor
- ✅ If you prefer to invest without a distributor, Direct Plans are available directly from AMCs
MFD vs RIA — What’s the Difference?
How We Earn — With Real Numbers
You Invest
You start a SIP through us in a Regular Plan. Your money goes directly to the AMC — we never touch it.
AMC Pays Us
The AMC pays us approximately 0.3%–1% per year on your invested amount from the Regular Plan’s expense ratio.
You Pay ₹0 to Us
You pay nothing directly to SWPSIP.com. The expense ratio difference between Regular and Direct is already built into the NAV.
The Direct Plan Cost Difference — Honestly Stated
Regular Plans cost approximately 0.5–1% more per year than Direct Plans. On ₹10 lakh over 10 years at 12% returns, this compounds to approximately ₹5–10 lakhs less vs Direct Plan. This is the real cost of using a distributor. We disclose this because you deserve to make an informed choice.
Your Journey with SWPSIP.com
From first contact to ongoing portfolio management — here’s exactly what happens.
Free Discovery Call
We start with a 30-minute call to understand your financial situation — income, existing investments, goals, timeline, and risk tolerance. No selling, no pressure. Just listening.
30 min • Free • No obligationGoal Analysis & Fund Recommendation
Based on your profile, we create a written recommendation with specific fund names, SIP amounts, and timelines. We explain WHY each fund was chosen. You get this in writing — always.
Delivered within 48 hoursKYC & Account Setup
We guide you through KYC, help set up your MFU/AMC account, and register your NACH mandate for automatic SIP. We handle all paperwork so you don't have to navigate it alone.
One-time setup • Usually 1–2 daysSIP Activation
Your SIP activates on your chosen date. NACH debits automatically and invests in your chosen funds. Monthly AMC statements arrive in your inbox. Track anytime on the AMC app.
Fully automated after setupAnnual Review & Rebalancing
Every April we review performance vs benchmark, suggest rebalancing if allocation has drifted, plan SIP increases aligned to your salary hike, and update strategy if goals change.
Ongoing • Annual review + ad-hoc supportWhat We Do — and Don’t Do
✅ What We Do
- ✓Help you identify and quantify your financial goals
- ✓Recommend suitable mutual fund schemes based on your risk profile
- ✓Guide you through KYC and account setup end-to-end
- ✓Set up SIP automation via NACH mandate
- ✓Provide annual portfolio review and rebalancing guidance
- ✓Explain tax implications of your investments clearly
- ✓Be available via WhatsApp and phone during market hours
- ✓Send reminders for key actions (SIP increase, nominee update etc.)
- ✓Disclose all conflicts of interest clearly and proactively
❌ What We Don’t Do
- ✗Guarantee any returns — mutual funds are market-linked
- ✗Provide stock tips or individual equity recommendations
- ✗Handle your money — funds go directly to the AMC, not us
- ✗Charge advisory fees (we are MFD, not SEBI-RIA)
- ✗Recommend insurance products or real estate
- ✗Time the market or make short-term trading calls
- ✗Promise to beat the market consistently
- ✗Pressure you into investments you don't understand
Frequently Asked Questions
If you earn commission, aren't your recommendations biased? +
Why use you instead of just investing in Direct Plans myself? +
Can I switch from Regular to Direct plan later? +
Is my money safe? Does it pass through SWPSIP.com? +
What if I want to change my distributor? +
Comfortable With How We Work?
Book a free 30-minute call. We’ll understand your goals, answer every question honestly, and show you what a goal-based SIP plan looks like — with zero obligation.
AMFI-Registered MFD | ARN: 341075 | We earn trail commission from AMCs on Regular Plans