HELP & KNOWLEDGE BASE
Frequently Asked Questions
Clear, transparent answers about our wealth management services, investment process, client onboarding, and firm philosophy.
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Business Related FAQs
28 Questions
Sahayak Associates is a client-first, process-driven wealth management 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 advisory services. We also offer Insurance products and Will Writing and Estate Planning Services.
Yes, Sahayak Associates is AMFI-registered (ARN 117295) and authorized to distribute mutual fund products.
We believe in zero speculation, zero debt, and long-term wealth creation 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.
To help 10,000+ families achieve Financial Freedom and position Sahayak as India’s most trusted family CFO firm.
Customer Related FAQs
30 Questions
Simply contact us via our website, call our office, or walk in for a consultation. We’ll guide you through a discovery call and schedule a financial health check-up.
No, our onboarding process is fully digital. You can start from the comfort of your home.
KYC documents like PAN, Aadhaar, a cancelled cheque, address proof, and passport-size photograph. Additional documents may be required for specific products like PMS or AIFs.
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.