Frequently Asked Questions

1Who Are Our Ideal Clients?

We love working with the ones who:

  • Are eager to achieve personal goals through tailor made asset allocation strategies
  • Are ready to stay committed till they reach the destination
  • Believe in discipline, patience, and long term orientation as the real drivers of wealth creation
  • Can mute the short-term noise from media and markets and stay focused on what really matters
  • Understand that drawdowns in the market is a feature and not bug

We prefer minimal interference once the investment plan is in place as sound financial outcomes need consistency not constant tweaking.

2Who Are Not Our Ideal Clients?

We may not be the right fit for individuals who:

  • Panic and rush to redeem investments in market drawdowns.
  • Rush to invest in assets showing momentum out of FOMO (Fear Of Missing Out)
  • Chase short-term returns or quick gains
  • Constantly compare and crave higher returns driven by fear or greed
  • Monitor their portfolios daily or weekly expecting instant gratification
3What We do not do?

At Meerama, we believe in being upfront about what we don’t do—because great relationships are built on clear expectations.

  • We do not predict short-term market movements.
  • We can not make you rich overnight , real wealth takes time, patience, and perseverance.
  • We do not actively trade or churn your portfolio.
  • We will not chase you for investments, our relationship is akin to doctor-patient: when you need us, we will go all out to help.
4Can you help me choose the best fund?

We believe long term wealth creation is not about picking the “best” fund rather fund selection contributes a miniscule percentage to portfolio success.

What truly matters is:

  • The right asset allocation based on your goals and risk profile
  • Timely rebalancing to stay on track
  • And focusing on the performance of the overall portfolio, not just individual funds

We are here to help you build a research backed, goal oriented investment strategy and not chase top performing funds that for sure change every year.

5How will you manage our funds?

At Meerama, we manage your money the same way we manage our own with care, conviction, and competency.

We invest your money in the same instruments where we have put our own hard earned savings.

We stick to the basics of long-term investing—it may not sound fashionable, but it works.

Our focus is on helping you achieve your goals — not on outperforming markets every quarter, six months or year.

The two traits we value most? Temperament and Patience. Buy right, sit tight. The third ingredient — returns — is out of our control.

We strive to harness the real power of compounding by staying invested through market cycles.

In short, we have skin in the game, we practice what we preach and we walk the journey with you.

6How often do you review the portfolio or conduct meetings?

More activity often leads to suboptimal returns when it comes to wealth creation.

We do not believe in monthly or quarterly reviews just for the sake of it, an annual review is more than enough in most cases.

In fact, you should reach out to us when:

  • You want top up your investments
  • You need to redeem funds
  • In case of an event that requires adjustments to your goal-based plan
  • For important market movements that warrants action on your part, we’ll reach out to you but trust us, those events are rare.

Keep in mind, Professional advice comes at a price, but not paying for it is costlier.