Your idle money is quietly losing value.

A bonus, a sale, or just cash sitting in a savings account — every month it stays uninvested, inflation eats a little more of it. Talk to a SEBI-registered advisor about deploying it properly.

Talk to a SEBI RIA  → Why generic advice falls short →
100%/RIA
Fee-Only Fiduciary, Zero Commissions
₹10,000 Cr+
Family wealth advised across our network
✓ SEBI Registered RIAs Only
₹ 100% Fee-Only (No Commission)
📞 Free 30-Min Intro Call
✓ Foliyo Vetted Advisors

Idle cash isn't safe, it's shrinking.

Savings account pays 3%, but inflation is 7%. Every year, you're losing 4%!

Illustrative example

₹50 Lakh left idle in a savings account for 3 years

-₹5.8L
Real purchasing power lost, compounded over 3 years
Get a Plan for Your Idle Cash →

"Just start a SIP" isn't advice — it's a guess.

Generic Advice

  • ✕

    Ignores What You Already Own

    It can't see your existing mutual funds, stocks, EPF, or real estate — so it can't tell you if you're already over-concentrated in one sector or asset class.

  • ✕

    Ignores Today's Market

    A rule written a year ago doesn't know whether markets are expensive or cheap right now, or whether a staggered entry makes sense for your specific amount.

  • ✕

    Ignores Your Actual Goals

    A down payment in 2 years and retirement in 25 years need completely different plans. Generic advice gives you one answer for both.

A SEBI RIA's Plan

  • ✓

    Built Around Your Full Portfolio

    Your advisor sees your existing holdings first, then decides where new money should go to actually improve your diversification.

  • ✓

    Deployment Timed to Conditions

    One-time deployment, a staggered transfer (STP) over a few months, or a mix — decided for your amount, not a generic default.

  • ✓

    Mapped to Your Real Goals

    A plan for what this specific money is for, with a time horizon and risk level that actually matches your life, not a stranger's.

A SEBI RIA builds a plan. Not a sales pitch.

Fee-only means your advisor is paid by you, not by the products they recommend — so the advice is built for your outcome, not their commission.

One-Time or Yearly Fee · No Commissions, Ever
✓
Reviews Your Existing Portfolio Sees what you already hold before recommending where new money goes.
✓
Goal-Based Allocation A plan matched to what this money is actually for, and when you'll need it.
✓
Market-Aware Deployment Decides between a lump-sum entry or a staggered transfer based on current conditions.
✓
Tax-Efficient Placement Structures where the money sits to manage your tax outcome, not just returns.
✓
Zero Product Commission Paid directly by you. Never by a mutual fund, insurer, or bank.
✓
Ongoing Monitoring Your plan is revisited as markets move and your goals evolve — not a one-time PDF.

Get a plan in four simple steps.

Tell us about the money and your goals, get matched with a suitable advisor, and book a free intro call — no spam, no commitment.

01

Tell Us About the Money

How much, where it's from, your goals, and your existing investments.

02

AI Matching

We find the most suitable fee-only advisor for your situation.

03

Free Discovery Call

A free 30-minute call with the advisor to evaluate a mutual fit.

04

Get Your Deployment Plan

Hire the advisor you align with, and get a plan built around you.

Real questions, answered by real RIAs.

Actual lump-sum questions from Indian investors, answered by SEBI-registered advisors on our public Q&A.

Long Term Investing lumpsum for the long term? Short Term Best way to invest a lumpsum amount for short term in the current market? Timing Right time to invest lumpsum in mutual funds after a market correction?
— Stories of people who moved to RIA

What happens when advice is truly yours.

Real outcomes from families who switched from commission-based to fee-only advisory.

My previous RM had me in four ULIPs and a structured product I didn't understand. My new advisor spent three sessions unwinding that damage — and restructured everything into direct funds. First time I actually understood my own portfolio.

Keshav Gupta
Keshav Gupta
Engineering Leader, Bangalore
₹12L saved
in commissions over 10 yrs

I was sitting on ₹90 lakh of unvested ESOPs and had no idea how to think about tax, diversification, or timing. My advisor walked me through a phased liquidation plan that saved me over ₹18L in taxes in the first exercise alone.

Sanchita Jha
Sanchita Jha
Director, Salesforce, Hyderabad
₹18L
tax saved, first ESOP exercise

We'd been with the same bank RM for eight years. Never questioned it. The Foliyo questionnaire forced me to compare what we were paying (hidden) versus what we'd receive. We switched. The clarity alone was worth it.

Amit Gupta
Amit & Diya Gupta
Business Owners, Pune
8 years
of hidden commissions, stopped
— Built by Institutional Wealth Managers

Deep Wealth Management and Finance experience.

The Foliyo team has decades of experience in wealth management for HNIs and building technology products for the world.

Sachin Kabra
Sachin Kabra
Mohan Gupta
Mohan Gupta

Co-founders

Previously at

HDFC Private Wealth Motilal Oswal Facebook Flipkart

Everything you want to know.

Should I invest my lump sum all at once, or spread it out?
It depends on your time horizon, your existing asset allocation, and current market valuations — there is no single correct answer that applies to everyone. A SEBI RIA looks at your actual portfolio and goals before recommending a one-time deployment, a staggered Systematic Transfer Plan (STP) over a few months, or a mix, instead of defaulting to generic "always SIP" advice.
What if the market falls right after I invest my lump sum?
This is exactly the risk a personalized plan is designed around. Depending on your goals and risk tolerance, an advisor may recommend deploying through an STP from a liquid fund into equity over 3-12 months, so a single bad entry point doesn't determine your outcome. This is a planning decision, not a generic rule, and should account for your specific time horizon and cash flow needs.
Why can't I just follow generic SIP advice I read online?
Generic advice is written for an average reader, not for you. It cannot see your existing mutual funds, stocks, EPF, real estate, or insurance-linked investments, so it cannot tell you if you're already over-concentrated in one sector or asset class. It also can't factor in your actual goals, timelines, or today's market valuations. A SEBI RIA builds a plan around your full financial picture, not a one-size-fits-all script.
What exactly is a SEBI Registered Investment Adviser (RIA)?
A SEBI RIA is a financial advisor registered with the Securities and Exchange Board of India under the SEBI (Investment Advisers) Regulations, 2013. Unlike mutual fund distributors or bank relationship managers, RIAs are legally bound by a fiduciary standard — meaning they must always act in your best interest, disclose all conflicts of interest, and cannot earn commissions from any financial product. Their only source of income is the fee you pay them.
How much does a fee-only advisor charge?
Fee structures for SEBI-registered RIAs in India typically fall into two common models:
  1. Flat retainer: Starting at ₹20,000/yr, suitable for a one-time lump-sum deployment plan or broader family financial planning.
  2. AUM-based annual fee: Starting from 0.65% to 1% of the managed capital per year, suitable for ongoing portfolio management.

Note that the advisor will charge either a flat fee or an AUM-based annual fee, but not both.

Do I need to transfer my money or existing investments to my advisor?
No. Foliyo-matched advisors are non-custodial. Your money and existing holdings remain in your own bank account, demat, and mutual fund folios. The advisor gives you an allocation and deployment plan; you (or your existing broker/platform) retain complete execution control.
How does Foliyo make money if the matching is free for me?
Foliyo charges a flat referral fee directly to the advisor if and when you engage them — not from the advice fee you pay, and not from any product commission. We do not earn from products, do not earn from your investments, and will never share or sell your data to third parties.
— Begin Here

Stop letting it sit idle.
Get a plan.

Talk to a SEBI-registered, fee-only advisor about your idle cash or lump sum. The intro call is free. You talk to your advisor within 24 hours. There is no commitment.

Talk to a SEBI RIA →
✓ SEBI Registered Advisors ✓ Zero Product Commission ✓ Free 30-Min Intro Call ✓ No Spam, Ever