First a home, then the wedding, then school fees. Retirement, health cover, a car, a dream trip. Whether you earn a salary or run a business, the goals keep coming.
Goal-based investment support for all of them, together.
On a salary? The money arrives on the 1st and is gone by the 25th.
Run a business? Your family's goals keep waiting for a "good year".
A home, a wedding, school fees, retirement, health cover, a car, a dream trip. All from the same income, and most arrive before the money does.
So families borrow: a loan, a credit card, or savings meant for something else. Retirement is the one goal no one will lend you money for.
Since 2014 we help families give every goal a date and a rupee figure, start early, and review it every year with the same two people. You pay us no fees.
We also arrange portfolio management services (PMS), specialised investment funds (SIF), travel and general insurance, debt products and loans, and review the funds and policies you already hold.
See your numbers in a minute.
Pick a question, change the numbers, and the answer appears in plain words. These are general estimates that do not relate to any particular scheme, and are not promises. Send us your numbers on WhatsApp and we will check them with you.
What our clients say.
Google review ★★★★★
“Really appreciate the effort from the team. You will get the best possible financial advice from Sai garu… Timely reviewing portfolio, financial guidance and good assistance from the team will make your lives easier, happier, healthier and also wealthier.”
Revathi AketiGoogle reviewGoogle review ★★★★★
“I have been associated with Sai and Team for more than 10 years. I always got timely investment advice. Happy and grateful to be associated with them.”
“Their service is awesome and specifically Mr. Sai is proactive enough to suggest for the better fund planning every now and then.”
Archana SinghGoogle reviewGoogle review ★★★★★
“I'm very happy to invest in mutual funds through Funds First Financial Services, good service support and they clarified me everything about funds.”
Leherika KollaGoogle reviewHome + retirement
“I wanted to buy a house without putting my retirement at risk. They showed me how much risk each goal could take and planned both together.”
Uma Maheswara ReddySoftware engineerExisting funds
“I had several funds and no idea what each one was doing. They explained every fund to me and helped me put my money where my goals are.”
Eswar NaraLawyerEducation + emergency
“They gave me a simple way to save for my child's education and keep an emergency fund ready at the same time.”
Likitha NaiduProduct managerTerm + health cover
“Running a restaurant, I never had time to compare policies. They helped me choose the right term and health cover for me and my family.”
Ravi KumarRestaurant ownerDeclutter + diversify
“My investments had become a mess. They went through everything, cleared out what wasn't working and helped me spread my money across better choices.”
KavyaDoctorNRI investing
“Investing in India from abroad felt confusing. They showed me what to choose, where to invest and how to keep the risk under control.”
NagendraProduct manager, NRI
Reviews are shared with each client's permission or published by them on Google. One client's experience does not indicate the future performance of any scheme.
The two people you will work with.
Sai Krishna Pasupuleti
Managing Partner
More than 20 years in stocks, commodities and mutual funds. He has seen many market cycles, and brings that patience and discipline to every client's portfolio.
More than 15 years across financial services. She leads our goal-based investment support for retirement and other goals, and explains every number until it makes sense to you.
OfficePlot No. 33 & 34, Flat No. 201, 2nd Floor, Road No. 1, AS Raju Nagar, Kukatpally, Hyderabad 500072Get directions in Google Maps
Mutual Fund Distribution
What it is
A mutual fund collects money from many people, and a professional fund manager invests it in company shares, government and company bonds, or both. You own units of the fund, and their value goes up and down with the market. We help you choose schemes, from the 62 fund houses we work with, that fit your goal and how much risk you are comfortable with, and we handle the paperwork.
For example
A schoolteacher has ₹2 lakh sitting in a savings account and wants to use it for her daughter's college in eight years. We explain the difference between equity, debt and hybrid funds, show her what can go wrong with each, and she chooses a mix she can sleep with.
Things to know
Mutual funds carry market risk and returns are not guaranteed. Read the scheme documents before investing.
SIP Investments
What it is
A Systematic Investment Plan (SIP) puts a fixed amount into a mutual fund every month, straight from your bank account. Many funds let you start with ₹500 or ₹1,000. You can increase it, pause it or stop it whenever you need to.
For example
A young engineer starts a ₹3,000 SIP in his first job and raises it every time he gets a hike. He never has to remember to save. The money is invested before he has a chance to spend it.
Things to know
An SIP spreads your buying across good and bad months, but it does not remove market risk. It works best when you keep going for years.
Goal-based Investment Support
What it is
We write down every goal you have, put a date and a rupee figure on each one, and help you choose investments suited to how far away each goal is. Money for a goal next year goes somewhere safer than money for a goal twenty years away.
For example
A couple in their thirties have four goals: a family trip next year, school fees in three years, a home in five, retirement in twenty-five. Instead of one pot of money, each goal gets its own investments, so the trip never eats into the retirement money.
Things to know
We review the goals with you every year, because dates, costs and priorities change.
Saving for Retirement
What it is
You build a retirement fund while you earn. When you stop working, a Systematic Withdrawal Plan (SWP) pays you a fixed amount every month from that fund, a bit like a salary.
For example
A shop owner turns 45 and realises his business will never pay him a pension. We work out what his monthly expenses might be at 60, after rising prices, and he starts setting aside a monthly amount now. At 60, a monthly withdrawal can cover his household bills.
Things to know
The earlier you start, the smaller the monthly amount needs to be. Try the Retirement calculator on this page to see your own numbers.
Saving for Child Education
What it is
Education costs rise faster than most other prices. We estimate what the course will cost in the year your child actually starts it, and you invest every month towards that number.
For example
Parents of a five-year-old hope she will study engineering or medicine at eighteen. A course that costs ₹15 lakh today could cost far more in thirteen years. Starting now keeps the monthly amount small, instead of a loan when she turns eighteen.
Things to know
As the admission year comes closer, we help move the money into safer options so a market fall just before college doesn't hurt.
Tax-Saving Investments
What it is
ELSS (Equity Linked Savings Scheme) mutual funds qualify for a tax deduction under Section 80C of the Income Tax Act, up to ₹1.5 lakh a year, if you file under the old tax regime. Each investment is locked in for three years.
For example
Every March, a salaried manager rushes to buy something, anything, to save tax. Starting a monthly ELSS SIP in April spreads the amount across the year, and the money also works towards a real goal.
Things to know
ELSS invests in shares, so its value can fall. The 80C deduction is not available under the new tax regime.
Insurance
What it is
Term insurance pays a large amount to your family if you die during the policy period. The premium is low because it is pure protection, with no maturity payout. Health insurance pays hospital bills for you, your spouse, your children and, with a separate policy, your parents.
For example
A 32-year-old has a home loan and a young child. If something happened to him, his family would be left with the EMI and no income. A term plan sized to cover the loan and the family's needs means the home stays theirs. A family health policy, plus separate cover for his parents, means one hospital stay doesn't wipe out years of saving.
Things to know
Insurance is for protection, not for growing money, so we keep it separate from your investments. Read the policy terms, waiting periods and exclusions before you buy.
NRI Investment Services
What it is
If you live outside India, you can still invest in Indian mutual funds through your NRE or NRO bank account. We help with KYC, bank mandates and the forms, so you can invest without flying home.
For example
An engineer working in Dubai wants to build money in India for a house back home and his parents' needs. We complete his KYC remotely, link his NRE account, and he invests every month and reviews with us on WhatsApp.
Things to know
Rules depend on your country: some fund houses do not accept investments from residents of the US and Canada. Tax rules for NRIs differ, so check with your tax adviser.
