All you need to know about SEBI Registered Investment Advisor (RIA)

Register Investment Adviser (RIA) is a person or organisation that provides investment advice to individuals. RIAs have a fiduciary duty to their clients to provide financial advice in the best interests of their clients. RIAs are registered with Securities and Exchange Board of India (SEBI). They have complete obligation towards their clients to give relevant advice based on risk profile and financial condition of the customer.

RIAs prepare a financial plan for their investors, taking into account their goals, their finances and their current situation. They also charge fees for their services. These are usually fixed fees for the financial plan and ongoing fees for the services they provide.

Here are the two types of fees charged by RIAs:

• Fixed fee: this is a fixed amount that is charged on an annual basis.
• Percentage of Assets: This fee is charged directly to the client by the advisor. The fees depend on the amount of assets that are advised by the advisor. It is usually 1% of assets and as the portfolio size increases, the charges decrease.

Understanding the RIA in detail

Securities and Exchange Board of India (SEBI) is a regulatory body for financial services and the market. Investment advisors registered with SEBI can therefore provide financial advice to investors and clients only on various financial products.

SEBI requires that registered investment advisors must always place the client's interests unconditionally above their own interests. Furthermore, regardless of the circumstances, the investment adviser must respect their duty.

Additionally, registered investment advisors must disclose potential RIA conflicts of interest to their clients. It is essential that they behave ethically in all their business dealings. Additionally, some RIAs charge their clients a certain percentage of their assets under management as a commission. At the same time, others charge a flat rate or an hourly rate for consultation.

SEBI RIA plays several roles, including that of financial planner, portfolio manager and also tax savings advisor. Effective tax planning ultimately helps with tax filing, and some investments also help reduce tax payable. You can request it when filing your income tax return.

Why are Investment Advisors needed?

Investing on your own is very hard

1. Having trouble in choosing among the hundreds of investing options?
2. Not getting time to research and invest properly?
3. Confused on whether it’s the right time to invest or exit?
4. Making mistakes while investing and ending up with losses?
5. Wondering whether your portfolio is well or average?

Investing with personalised advice from SEBI Registered Advisor will simplify the entire experience of investing

Advisors work for you. SEBI Registered Advisors don’t earn commission based on the products that you buy. We are registered with SEBI and legally bound to give to relevant advice.

Your investments are completely safe!

All your investments can be done by you through your existing account or with the account opened the advisors. You can consult and decide whether you want to invest or not. It’s your choice. They don’t spam or force you to do buy something.

Benefits on investing with help of an advisor

1. Personalised Investing Plan
2. Proper Diversification
3. Regular Portfolio Reviews
4. Portfolio Rebalancing

They help you create wealth with a proven investment philosophy. Their investing advice is backed by proper research and data. So, you can get Hassle free Investing and get Superior Returns along with Personalised Advice.

Many investors are making very low returns by investing in wrong products, IPOs and not investing with a proper plan. An expert advisor helps you invest the right way.

2% extra returns earned each year will make you portfolio grow by additional 100% over 30 years. This creates a huge impact.

What are the charges like?

All advisors usually give comprehensive investing planning, which includes

• Risk Profiling
• Portfolio Review
• Detailed Investing Plan
• Financial Planning
• Financial Wellness Check
• Quarterly Phone/Virtual meetings
• Support validity

You can book a free introductory call with the advisor and during the introductory call, you can get your questions clarified.

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