Frequently Asked Questions about PrimeInvestor

General questions about the service

PrimeInvestor is a research platform that will give you ratings, portfolios and plans covering mutual funds, fixed deposits, bonds, insurance, NPS and small savings to meet your financial goals. These solutions will be put together with great care and intelligence, backed by completely independent and unbiased research.

Our only loyalty is to our customers and the welfare of their finances – investments, insurance and more. We do not accept any commissions or advertisements or marketing expense or anything from any financial product manufacturer (such as insurance companies, mutual funds, or brokerages). This way, you can feel completely confident that our allegiance is only to you the investor. 

Think of PrimeInvestor as your own professional research team working for you and giving you investment solutions and letting you know what is good and what is bad in the world of personal finance. In one single place, you will get the ideas, solutions, and insights you need to have a great investment portfolio.

PrimeInvestor is powered by a team of experts in the fields of personal finance, investments, fintech, and allied areas. They have experience analysing products and creating portfolios for customers. Please refer to our team page for more details.

PrimeInvestor provides researched investment solutions that will tell you where to invest so you can meet all your financial goals. We will be covering every regulated product that is useful to you – the investor. We provide this through our annual subscription service which is a flat fee.

Your subscription will give you access to: our recommended lists of mutual funds, ETFs, and fixed deposits, pre-built portfolios that you can invest in right away, funds/ETFs for themes you may be interested in, review tool for funds you hold, as well as alerts and strategies that you can use. We’ll be adding recommendations in insurance, NPS, and stocks in the coming months.

We’ll follow-up and maintain all our recommendations and products to ensure your investments are on the right path and you’re with what’s best for you. Our team has decades of experience in tracking investment products, markets, and customer needs.

You can understand more about our services here.

We will cover mutual funds, fixed deposits, bonds, NPS, insurance products and post office schemes to start with. We will expand coverage to include equities and any and all products that we think will add value to the investor.

We offer these services for an annual flat subscription fee of Rs 2,500 (payments can be made through a variety of means including credit cards, debit cards, UPI etc). Check out this page to subscribe and know more.

Yes, we do offer a 14-day trial on registration. It’s a limited trial that offers all the premium articles along with a selection of our products and solutions. You can learn by visiting this page.

Subscription fees are annual and can be set to renew automatically. We do not offer refunds during a period of subscription. However, renewals can be cancelled at any time.

We earn our income from the subscription fee you pay us. We have no other source of revenue. We do not receive commissions, any form of incentives, or advertising revenues from product manufacturers.

We do not just write about good products. We don’t just provide views and move to the next topic. We build investment solutions and make them available on the platform. With PrimeInvestor you can be certain that the research and recommendations are provided only by qualified investment professionals who have long experience in investing in market products themselves. We will hold ourselves accountable for our recommendations by providing regular updates and follow-ups on them. We provide our calls on the funds you hold. Given that what’s good investment advice today may not be so tomorrow, we think that close monitoring and follow-ups are critical to your building wealth in the long run. Media and other publications do not address this critical need. 

This apart, we do not take any product advertisements on our platform. We do not get incentives in any form or commissions from product manufacturers.

Our organization is designed from ground-up to be an independent entity. We will not be earning any revenues by way of commissions, advertisements, incentives or freebies from any of the product manufacturers whose products we recommend. That removes all conflicts of interest and ensures that we put the interests of our subscribers above everything else.

That advice is not really free because the bank is likely to earn significant commissions from the products recommended to you. Also, if the relationship manager quits and is replaced by a new one, you may also lose out on follow-up recommendations on what to do with your older investments.

With PrimeInvestor you can be certain that the research and recommendations are provided only by qualified investment professionals who have long experience in investing in market products themselves. We will hold ourselves accountable for our recommendations by providing regular updates and follow-ups on them. Given that what’s good investment advice today may not be so tomorrow, we think that close monitoring and follow-ups are critical to your building wealth in the long run. 

Value Research Online and Morningstar specialise primarily in rating mutual funds and provide informational data on such funds. They do not provide specific recommendations across products. PrimeInvestor will not only rate mutual funds and other products in-house but also provide product recommendations on a wide variety of other financial products including stocks, ETFs, bonds, insurance, deposits, NPS and other small-saving plans. We will also offer ready-made portfolios for different classes of investors with regular follow-ups on all our portfolios and product recommendations. So, PrimeInvestor will be a product first platform supported by quality research content. Ratings and content is just one among the few services that PrimeInvestor will provide. In other words, PrimeInvestor will provide actionable research and recommendations  and not be restricted to general information and data. 

PrimeInvestor is not a transaction platform. We are not distributors of any products and do not charge brokerage on any transactions. We are a product platform exclusively providing independent research recommendations across personal finance products – deposits, mutual funds, ETFs, government savings schemes and later insurance, NPS and stocks.

We will be a pure research and recommendation platform. We believe there are several good transaction platforms out there that will cater to each person’s choices and preferences. With PrimeInvestor, you will be feel to choose the transaction experience and service provider that you like and still maintain a great portfolio as recommended by us.

We believe that transaction platforms are best positioned to provide aggregated view of portfolios and investments. The reasons are purely operational – only the transactional platforms get a full, updated view of a customers investment holdings. Displays at any other entity will be prone to errors and missing information.

We are a SEBI-registered Research Analyst firm. We will not provide personalised financial planning. We do not have relationship managers dedicated to you and you will not be able to have personalised discussions about your finances with us over phone or emails and the like. We believe that managing your own money is not rocket science and that our services equip you to do so. You can write to us at any time if you have questions about our recommendations. We’ll be giving regular updates on all our recommendations besides strategic alerts so you will know when and how to take action.

We are not financial planners and will not provide financial planning and analysis of individual portfolios. We do not review individual portfolios. You can use our review tool to check how your funds are doing and write to us if you have queries on our recommendations. Our updates, regular product reviews and alerts will make sure you know where to invest, what to exit and when it is a good time to act on key events.

We do not manage your money. We believe we are equipping you to ensure you take control of your finances instead of letting it be managed by somebody else. This way, you will likely save money (for example, with direct plans of MFs), take onus for your decisions, and know where your investments are and how they are faring at all times. Also, your investments will be guided by what’s in your best interest rather than by vested interests and bias.

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