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Suitability framework
Our documented process for recommending mutual fund schemes, based on your suitability, not commission rates.
Last updated May 2026
Fundvaliz recommends mutual fund schemes based purely on investor suitability and financial goals. Scheme recommendations are never influenced by commission rates. This policy documents our fund selection framework transparently.
Before any recommendation, we conduct a structured risk profiling exercise covering:
Investment objective (wealth creation, income, tax saving, capital preservation)
Investment horizon (short, medium, long term)
Risk tolerance (conservative, moderate, aggressive)
Liquidity needs and existing financial obligations
Existing portfolio and asset allocation
Investment product scrutinized to best suit the investor's goal, risk profile and market conditions.
Fund manager or investing partner's potential and profile is analyzed.
Focused upon macro and industry parameters.
Detailed background check of the company selling a certain investment product.
Recommendations are never based on commission rates
We have no proprietary relationship with any AMC
We do not receive non-cash benefits (trips, gifts, sponsorships) from AMCs
If a Direct Plan better serves the investor's goals, we will inform them accordingly
If an investor insists on a scheme outside their risk profile, we:
Inform you in writing that the scheme may not be suitable
Explain the specific risks involved
Obtain a written Unsuitability Declaration from you
Process the investment only after the signed declaration