MyFinancial · Robo-Advisor Goal-based mutual-fund advice & execution · Direct plans only
Funds as of —
SEBI RIA advisory tool. Recommends Direct plans (Growth) only — zero commission; you pay a flat advisory fee. Model portfolios are decision-support for your adviser to review & approve before any order is placed. Mutual funds are subject to market risk; past returns don't guarantee future results. Execution runs via FintechPrimitives (sandbox / dry-run here).
STEP 1
Risk Profile
Questionnaire → risk band
STEP 2
Goal & Plan
Target, horizon, SIP
STEP 3
Fund Screener
Filter direct funds
STEP 4
Portfolio
Recommended funds
STEP 5
Execute
KYC → invest (FP)
MANAGE
My Goals
All goals + combined SIP
MANAGE
Portfolio (CAS)
Analyse existing holdings
MANAGE
Rebalance
Drift → STP/switch
MANAGE
Retirement (SWP)
Withdrawal plan
MANAGE
Tax
Gains + harvesting
PLEDGE
All-Weather (F&O)
Collateral for option sellers

Risk profileEight questions. Scored to a SEBI-style risk band that drives your asset allocation.

Goal & planWhat you're investing for, how long, and how much it takes. Target is grown by inflation to future rupees.

Fund screenerDirect-Growth funds, ranked within each category (★ = return percentile vs peers). Filter, sort, ★ to shortlist.

Recommended portfolioBest-in-class direct fund per allocation sleeve, with your SIP split across them.

Complete Step 2 (goal) to generate your portfolio.

Execute via FintechPrimitivesThe order an RIA places after the client e-signs. Sandbox / dry-run — no real money moves here.

SANDBOX · DRY-RUN

My goalsAuto-calculate emergency & retirement, or add your own. Each goal gets a horizon-aware allocation; SIPs and withdrawals are shown.

Auto-calculate a goal

🛟 Emergency fund
🏖️ Retirement

Saved goals

No goals yet. Auto-calculate above, or build a plan in Step 2 and click “＋ Save this goal”.

Analyse existing portfolio (CAS)Upload a CAS (PDF/CSV/JSON) or type holdings. CSV/JSON parse in your browser; PDF parsing uses the local cas-server (casparser).

📤 Upload CAS
PDF password
PDF (all CAS types): start the parser once — /usr/bin/python3 mf_advisor/cas_server.py — then open the app at http://localhost:8766/Advisor.html and upload. CSV/JSON work offline with no server.

…or type one holding per line as scheme, asset_class(equity/debt/hybrid/gold), units, avg_cost, nav, buy_date(YYYY-MM-DD):

Against goal band Years to goal Slab %

RebalanceCompare your portfolio to the goal’s current (de-risked) target and get the tax-smart way to close the gap.

Analyse your portfolio under Portfolio (CAS) first — the rebalance plan uses those holdings.

Retirement withdrawal (SWP)How much your corpus can pay out, inflation-adjusted, and a three-bucket structure to make it last.

Tax planningFY2025-26 rules. LTCG harvesting + a quick capital-gains estimate. Not a substitute for a CA.

① Tax-free LTCG harvesting

Uses your Portfolio (CAS) holdings. You can realise up to ₹1.25L of equity LTCG per year at 0% tax, then reinvest to reset the cost base.

Analyse your portfolio first.

② Capital-gains estimate on a sale

Equity: STCG (≤12m) 20%, LTCG (>12m) 12.5% over ₹1.25L/yr. Debt bought on/after 1 Apr 2023: slab rate. Gold/Intl/Hybrid-35-65: LTCG >24m at 12.5%, else slab. Base rates shown — surcharge & 4% cess extra.

All-Weather Collateral — for Option SellersBuild a pledgeable all-weather ETF portfolio that earns while it funds your F&O margin. Enter amount, risk & tenure → allocation, buy-list, the best pledge plan, cash/non-cash checks, red flags, and drift-rebalancing.

Live ETF prices — edit to today's LTP

Drift check & re-balance

Enter the current value (₹) of each holding to see how far it has drifted from target and the exact units to buy/sell to snap it back.

Educational only; not investment advice; not from a SEBI-registered adviser. Historical CAGR/vol/drawdown are 20.2-yr backtests (2006-2026). Pledging leverages a portfolio that itself draws down — deploy ≤60% of usable margin and keep a buffer. Haircuts and the 50:50 cash:non-cash rule are indicative and broker-dependent. LTPs default to 28-Jul-2026 — edit them to today's price.