Mohan Gupta

Co-founder Foliyo AI, NISM Series X-A, X-B, XXI-A Certified

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Co-founder at Foliyo AI. Certified by NISM on Series X-A, X-B RIA qualifications. Deep knowledge of multi-asset financial products, asset allocation strategies, and modern portfolio construction to match client risk profiles. Expertise in comprehensive financial planning, including tax-loss harvesting, retirement tracking, and customized goal-based wealth management. Previously worked at Sharechat, Meta, Flipkart in senior CXO roles.

Questions answered by Mohan Gupta

Suguna from Mumbai

Are all newer ULIPs better than mutual funds or do I need to pick specific ones?

I understand that the new rules made ULIPs cheaper and the tax-free maturity is great. I want to invest ₹1 Lakh a year for my newborn's education in 15 years. Can I just pick any U…

Anoop from Delhi

My friend says ULIPs are a scam and I should stick to FDs. Have they actually changed?

I am 30 and planning to start investing ₹1.5 Lakhs a year for the next 10 years. I was looking at some low-cost ULIPs like ICICI Pru Signature because of the tax benefits. My frien…

Ajinkya from Chandigarh

Should I stop my equity SIPs and move to ULIPs to avoid the 12.5% LTCG tax?

I am 31 and currently investing ₹20,000 a month in direct equity mutual funds. With the LTCG tax now at 12.5%, I am seeing a lot of ads about modern ULIPs offering zero tax on matu…