HELP & KNOWLEDGE BASE
Frequently Asked Questions
Clear, transparent answers about our wealth services, investment process, client onboarding, and firm philosophy.
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Business Related FAQs
27 Questions
Sahayak Associates is a client-first, process-driven wealth services company offering holistic financial solutions across asset classes including mutual funds, insurance, estate planning, real estate, and capital markets.
It means we act as your family's Chief Financial Officer, managing your overall financial well-being with accountability, transparency, and customized guidance.
Our core philosophy of "3i" stands for Investment, Insurance, and Inheritance, covering the growth, protection, and distribution of wealth.
We have over 10 years of combined experience in financial markets, serving thousands of clients across India and globally.
No, we are an AMFI-registered Mutual Fund Distributor, SIF and PMS Distributor and do not offer SEBI-registered investment recommendation services. We also offer Insurance products and Will Writing and Estate Planning Services.
Yes, Sahayak Associates is AMFI-registered and authorized to distribute mutual fund products.
We believe in zero speculation, zero debt, and long-term growth through disciplined investing aligned with client goals.
India’s upcoming economic expansion offers a once-in-a-generation opportunity to build wealth. We help our clients capitalize on this moment.
Our personalized, ethical, and education-based approach, combined with our 5-step process and Client-first orientation, sets us apart.
Sandeep Sahni (IIM-Lucknow alumnus), Puneet Kohli (25+ years in insurance), and Vaibhav Sahni (CFA, CFP) bring decades of experience and trust.
We are committed to transparency, long-term thinking, data privacy, and Confidentiality helping clients achieve financial freedom with confidence.
While based in Chandigarh, we serve clients across India and globally via digital platforms.
We analyze life goals, Risk Profile (Risk Preference, Risk Capacity and Risk requirements), time horizon, liquidity and income requirements to recommend personalised investment plans after doing a comprehensive need assessment and review of the existing portfolio of the clients.
We are independent and product-agnostic. We recommend what's best for you, not what sells more.
Our 5-stage process: Meet, Analyze, Plan, Support, and Review — ensures complete financial clarity and strategy alignment.
Yes, we serve NRI clients globally and help manage their Indian investments.
No rigid minimum. We welcome all clients committed to long-term financial growth.
Yes, our services cater to individuals, families, HUF, corporates, Trusts, NGOs, startups, and SMEs.
Absolutely. We assist in valuation, structuring, and matchmaking for SME transactions.
Bi-annually or as per client preference, with mid-year check-ins during market volatility.
Through workshops, newsletters, webinars, one-on-one sessions, and regular information sharing.
By never mis-selling, maintaining transparency, and putting clients' interests above all.
Yes, clients can track, invest, and review portfolios through our secure digital interface anytime.
Yes, every client has a dedicated RM to ensure personalized service.
No, we do not guarantee returns. We manage risk and aim for consistent long-term performance to help achieve financial goals.
Long-term investments are our foundation. We discourage short-term speculation.
Yes, we regularly host both for client education and awareness.
Customer Related FAQs
27 Questions
Yes, our platform is digital-first and accessible 24x7, globally.
Yes, every client is assigned a dedicated Relationship Manager for personal attention.
Regular portfolio updates, review meetings, invites to IAPs and other industry events, newsletters, and one-on-one meetings.
Yes, you can request portfolio reviews anytime or choose from our standard review structure.
Yes, you can invest jointly.
100%. All fees are clearly explained upfront. No hidden commissions or costs are charged subsequently.
Monthly reports, quarterly summaries, and real-time access via our platform or as and when required or need basis.
You can pause SIPs or stop further investments anytime with a simple request which can be implemented within a certain TAT as per norms and statutory guidelines.
Through your Relationship Manager, via email, WhatsApp, or our customer support helpline.
You can escalate first to your RM, then to the Operations Head, and finally to one of the Directors if unresolved.
Swiftly and professionally. We aim to resolve all issues within our TAT guidelines.
Yes, if you're not satisfied, we can assign a new RM/Team based on your preference.
Yes. We help NRIs with compliant investment solutions and documentation.
Yes, we help you define, track, and revise your financial goals with dashboards and periodic reviews.
Yes, you can transfer your existing investment to the Sahayak ARN through a simple process of ARN transfer.
Contact your RM or use the digital form on our platform. We’ll verify and update it.
Yes, we guide you through the process and help complete documentation and update your nominees as per your desire.
No, reviews and consultations are part of our ongoing service commitment.
Yes, we help with capital gains reports, investment proofs etc.
Yes. We follow strict data security protocols, and your information is stored in encrypted environments.
Yes. Our platform is mobile-optimized and app-accessible for real-time tracking.
Yes. We assist in identifying and liquidating investments with minimal impact and you receive the money as per the SEBI protocol.
Most are client-only, but select sessions are open to the public or by referral.
Yes. Our team will guide and support you during insurance claim filing.
Yes. Asset allocation is reviewed regularly and adjusted based on your changing goals or market dynamics or as per your requirements.
Yes. We’re happy to meet over Zoom or during your visit, or when our team travels to your city.
Yes. We guide on NPS, PPF, Sukanya Samriddhi, SCSS, and other schemes.
Service Related FAQs
50 Questions
We offer a full suite of Wealth Services including Mutual Funds, PMS, Capital Markets, Insurance, Estate Planning, Retirement Planning, AIFs, Real Estate, SME M&A, Debt Services, Family Office Services, and more.
Start by contacting us for a Financial Health Checkup. Based on your goals, we craft a personalized strategy.
It involves reviewing your income, expenses, assets, liabilities, goals, insurance coverage, risk profile, and current portfolio.
As AMFI-registered distributors, we recommend mutual funds suited to your goals, manage SIPs, track performance, and rebalance regularly.
These are advanced strategies for long-term growth. PMS suits high-net-worth individuals seeking curated stock portfolios or thematic strategies.
We offer corporate bonds, tax-free bonds, debt mutual funds, FDs, sovereign gold bonds, and more — based on your risk profile and time horizon.
It's for business owners looking to buy, sell, merge, or raise funds for their enterprises. We handle valuation, deal structuring, and matchmaking.
We help identify optimal funding solutions, restructure existing liabilities, and raise loans through banks, NBFCs, or private investors.
FIDOK (Financial Information & Documentation Kit) helps you organize, secure, and track all your financial records in one place — digitally and physically.
It includes planning for retirement corpus, income replacement, healthcare funding, taxation, and estate distribution.
We assess your family and income needs, then recommend life, health, term, critical illness, or general insurance plans accordingly.
We help draft wills, plan asset distribution, assign nominees, set up trusts, and provide execution and legal support when needed.
Yes. We assist with trust structuring, registration, compliance, and aligning it with your succession goals.
These are alternative investments suited for qualified investors. We provide access to pre-IPOs, startups, private equity.
We help with location selection, documentation, investment analysis, legal support, and resale planning.
We offer end-to-end support in property selection, home loan services, legal documentation, registration, and price negotiation.
We manage multi-generational wealth, consolidate assets, tax planning, philanthropy, reporting, and succession across family members.
Yes. We conduct open and invite-only sessions. These cover investing basics, goal setting, budgeting, and wealth protection.
Absolutely. We design custom workshops for colleges, startups, corporates, and even NGOs on personal finance and wealth building.
Through goal-based investing, disciplined SIPs, risk control, periodic reviews, and the power of compounding.
We rebalance portfolios every 6–12 months or during major life or market events to ensure alignment with your risk and goals.
Yes. We offer global mutual funds, international ETFs, and offshore AIF options, subject to RBI/SEBI regulations.
We map your life goals → estimate financial needs → select asset classes → create and execute a customized investment plan.
Asset allocation is how we divide your money among equity, debt, real estate, etc. It determines risk, returns, and goal achievement.
Yes. Through newsletters, WhatsApp alerts, quarterly webinars, and one-on-one reviews.
Yes. We help streamline scattered holdings, reduce redundancies, and provide a consolidated view across assets.
Through a detailed questionnaire, conversations, and analysis of your financial behaviour and comfort with volatility.
Yes. Our digital platform and mobile app provide real-time tracking, reports, and alerts.
Yes. We set up and monitor all three: Systematic Investment, Transfer, and Withdrawal Plans.
We guide you to invest in ELSS, tax-free bonds, NPS, and structure withdrawals to minimize tax burden.
Absolutely. We offer portfolio review and diagnostics to help you re-evaluate your strategy.
We provide monthly performance reports, goal progress dashboards, and annual reviews.
Yes. We offer consolidated Financial Services for joint families, business-owning families, and corporate groups.
Yes. We assist in setting up trusts, family constitutions, nominee alignment, and estate documents.
Through diversification, asset allocation, disciplined reviews, and client education to avoid panic-driven decisions.
Yes. We provide senior-friendly access, retirement products, assisted services, and safe investment options.
We offer custom portfolios, AIFs, PMS, succession planning, and family office services tailored to large portfolios.
Yes. We host sessions focused on financial independence, risk planning, and long-term financial security for women.
Convenience, transparency, 24x7 access, document vaults, investment dashboards, and client-RM chat features.
Yes. SIPs, STPs, rebalancing, and alerts can be automated through our platform.
We are non-biased, client-first, long-term focused, and provide continuity and relationship — not sales targets.
Yes. Our services are accessible through mobile apps and mobile-optimized web portals.
Yes. We encourage joint ownership for legacy planning and support full family-based strategies.
We ensure a seamless transition with proper handover, and your new RM is introduced personally.
Absolutely. Your plans evolve with your goals — marriage, children, retirement, business — and we adapt accordingly.
PAN, Aadhaar, cancelled cheque, KYC form, and nominee details. Additional documents may be needed based on investment type.
Yes. You can shift between plans or upgrade services anytime in consultation with your Relationship Manager.
We offer semi-annual reviews, and more frequently if markets or your goals change.
We help you identify low-impact redemptions, provide cash flow planning, and support emergency withdrawals.
Yes. We offer easy appointment booking through WhatsApp, website, email, or by contacting your RM directly.
Career Related FAQs
29 Questions
You can apply by submitting your resume and cover letter at careers@sahayakassociates.in or through the application form on our website.
We frequently hire for roles in mutual fund and other financial products distributor, client servicing, operations, and research. Visit our Careers page or LinkedIn profile for current openings.
Yes, we offer internship and trainee programs throughout the year, especially for finance graduates and MBA students.
While it helps, it’s not mandatory for all roles. We also hire for support, marketing, HR, Accounts, digital, and communication-based roles.
Yes. All new joinees undergo a detailed orientation and induction covering our values, services, compliance protocols, and client engagement strategies.
Roles are available in Investment Services, Research, Client Relationship, Compliance, Digital Marketing, Operations, and Business Development.
Yes, depending on the role. Some client-facing positions require in-person presence, while backend and digital roles may be hybrid.
Absolutely. We encourage certification and provide resources, mentorship, and financial assistance for professional exams.
Professional yet supportive. We combine client-first discipline with a culture of empathy, ownership, and continuous learning.
We expect commitment, ethical conduct, a willingness to learn, and a passion for helping clients achieve financial success.
Yes. Apart from fixed compensation, we offer performance-linked bonuses, target-based rewards, and recognition programs.
Team members have access to webinars, internal knowledge sessions, guest lectures, and certification guidance.
Strongly. We promote from within, offering clear growth paths from junior to leadership roles based on merit and performance.
Yes. We believe in nurturing talent and offer structured learning paths for freshers in investment services and support roles.
It usually includes application screening → HR Interview → Technical/Functional Interview → Final Interview → Offer Letter.
Yes. You may send your resume to careers@sahayakassociates.in with the subject line “General Application – [Your Role].”
Typically, 3 to 6 months, depending on the role and level.
Yes. We follow annual appraisal cycles with periodic feedback and goal reviews.
Yes, depending on client needs and location. Many of our clients are digitally connected.
Yes. Team members grow into HNI relationship roles based on trust, experience, and training.
Structured mentorship, product training, joint meetings, and access to client-ready financial tools.
Yes. Based on performance, interest, and availability, internal transfers are encouraged.
Yes. We use industry-standard CRMs, analysis software, and digital dashboards for seamless planning and execution.
We have daily standups, weekly strategy meets, and quarterly townhalls to encourage alignment and participation.
Yes. We actively engage with top colleges and universities through career fairs and workshops.
Our focus on purpose, growth, integrity, and client impact — plus a collaborative, inclusive team culture.
Yes. We share internal updates, financial insights, and team achievements regularly through our “Inside Sahayak” digest.
Yes! We organize retreats, wellness sessions, festivals, offsites, and informal team bonding initiatives.
Absolutely. We welcome project-based contributors in digital marketing, content, financial literacy, and event coordination.
