Fund Selection Policy

Objective

This policy explains how RS Wealth helps you choose mutual fund schemes objectively, so that fund selection remains transparent and aligned with your goals — never with commission.

Selection Process

• Consistency of long-term performance versus benchmark and peers
• Risk-adjusted returns and volatility
• Fund-house pedigree, process and stability of the team
• Expense ratio and portfolio quality
• Suitability to your stated goal and time horizon

Exclusion Criteria

• Schemes with poor or inconsistent long-term track records
• Excessively concentrated or high-risk portfolios unsuited to the goal
• Funds with weak governance or frequent mandate drift

Data Sources

• AMC factsheets and scheme information documents
• AMFI and RTA (CAMS/KFintech) data
• Independent research and rating databases

Suitability Mapping

Scheme choices are mapped to your indicative risk profile and time horizon, gathered through our risk-profiling tool and conversations with our team.

Conflict of Interest Declaration

Fund selection guidance is based solely on objective criteria and your suitability. It is never influenced by the commission payable by any AMC.