Simple & Transparent

How It Works

Our proven 6-step onboarding process makes it easy to start your investment journey. From free consultation to ongoing portfolio management, we guide you every step of the way.

Your Journey to Financial Success

We've designed a straightforward process that takes the complexity out of investing. Typically, clients complete onboarding within 5-7 days and start investing immediately.

1

Step 1

Free Consultation

Your journey begins with a no-obligation, free 30-minute consultation. We get to know you, understand your financial situation, and discuss your goals.

What We Discuss:

  • Your current financial situation
  • Short-term and long-term goals
  • Investment experience and comfort level
  • Questions about our services
  • Expected returns and realistic timelines
⏱ Duration: 30 minutes
2

Step 2

Risk Profiling

We conduct a comprehensive risk assessment to understand your risk tolerance, investment personality, and behavioral tendencies. This ensures your portfolio matches your comfort level.

Risk Assessment Includes:

  • Risk capacity (financial ability to take risk)
  • Risk tolerance (emotional comfort with volatility)
  • Time horizon for each goal
  • Liquidity requirements
  • Behavioral questionnaire (20-25 questions)
⏱ Duration: 15-20 minutes
3

Step 3

Goal Setting & Planning

We help you define clear, measurable financial goals with specific timelines and target amounts. Each goal gets its own investment strategy.

Common Goals We Plan For:

  • Retirement planning (corpus calculation)
  • Child's education (undergraduate, postgraduate)
  • Home purchase or down payment
  • Wedding expenses
  • Wealth creation and financial independence
  • Emergency fund building
⏱ Duration: 1-2 days
4

Step 4

Portfolio Recommendation

Based on your risk profile and goals, we create a customized portfolio recommendation with specific mutual fund selections, asset allocation, and SIP/lumpsum amounts.

Your Portfolio Plan Includes:

  • Asset allocation (equity/debt/hybrid split)
  • Specific mutual fund recommendations
  • Monthly SIP amounts for each goal
  • Lumpsum investment suggestions (if applicable)
  • Tax-saving (ELSS) strategy
  • Expected returns and maturity projections
⏱ Duration: 2-3 days
5

Step 5

Implementation

We assist you with KYC completion, account setup, and executing your first investments. Our team handles all paperwork and ensures a smooth onboarding experience.

Implementation Steps:

  • KYC completion (if not already done)
  • Bank mandate registration for SIP
  • Advisory agreement signing
  • First SIP/lumpsum investment execution
  • Portfolio tracking setup
  • Access to client portal/reports
⏱ Duration: 2-3 days
6

Step 6

Ongoing Reviews & Support

Your journey doesn't end after investing. We provide continuous monitoring, quarterly reviews, rebalancing, and ongoing support to keep you on track toward your goals.

Continuous Support Includes:

  • Quarterly portfolio performance reviews
  • Annual rebalancing (if needed)
  • Market updates and commentary
  • Goal progress tracking and adjustments
  • Tax planning and optimization
  • Unlimited consultations via phone/email/WhatsApp
⏱ Duration: Ongoing

Documents You'll Need

Keep these documents ready for a smooth onboarding process

Identity & Address Proof

  • PAN Card (mandatory)
  • Aadhaar Card
  • Passport (if applicable)
  • Driving License

Financial Documents

  • Bank statement (last 3 months)
  • Cancelled cheque
  • Salary slips (optional)
  • Existing investment statements

KYC Documents

  • Recent passport photo
  • Signature specimen
  • Address proof (utility bill)
  • Income proof (optional)

Other Documents

  • Insurance policies (if any)
  • Loan details
  • Property papers (optional)
  • Monthly expense summary

Note: If you've already completed KYC with any SEBI-registered entity, we can verify your status online—no need to submit documents again!

Why Choose NovaRock Advisory?

Goal-Based Approach

Every investment is linked to a specific goal, ensuring your money works toward what matters most to you.

Data-Driven Decisions

We use quantitative analysis, not gut feelings, to select funds and construct portfolios.

Regulatory Compliance

AMFI-registered (ARN-344268) and SEBI-compliant, ensuring you receive ethical, professional advice.

Transparent Communication

No jargon, no hidden fees. We explain everything in simple language.

Digital-First Experience

Track your portfolio, view reports, and communicate with us anytime through our digital platform.

Personalized Service

Not a robo-advisor. You get dedicated human support for all your financial questions.

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