FAQs Archive - CurateMyMoney

Q: How are you different from a fee-only SEBI-registered investment adviser?

A fee-only RIA charges you directly and earns nothing from product manufacturers. They cannot distribute funds. We distribute mutual funds and earn trail commissions — but only from regular plans, which we disclose fully. Both models can be honest. Ours depends on you staying, theirs depends on you paying. Choose the accountability structure you prefer.

Q: Do all fund houses pay you the same rate?

No. Rates vary by fund house and scheme. We don't select fund houses based on who pays more.

Q: What happens to my trail commission if I switch to direct plans?

It stops immediately. We lose the income. We will still tell you when a direct plan is a better fit for your situation — and we have.

Q: Are regular plans a ripoff compared to direct plans?

Direct plans are cheaper by roughly 0.5–1% per year — the exact amount saved by removing the distributor commission. Whether that saving is worth more than what a distributor provides depends entirely on what the distributor actually does. We answer this question honestly on our FAQ page.

Q: What is trail commission exactly?

A percentage of your invested value, paid annually by the fund house to the distributor, sourced from the fund's total expense ratio (TER). It continues as long as you stay invested in regular plans through us.

Q: How Long Do Redemption Proceeds Take?

Equity Funds: T+2 working days Debt & Liquid Funds: T+1 working day International Funds: T+5 or 6 working days (T = Transaction Day, subject to working days)