RISCHLegal & regulatory
Disclosures.
The information below governs how this site, the risk assessment and any proposal it generates should be read. If anything here is unclear, a conversation with RISCH resolves it faster than the fine print.
Regulatory Information
01About RISCH Wealth
RISCH Wealth Private Limited is a private wealth practice based in Bengaluru, Karnataka, India, founded in 2014. Nothing on this site is an offer or solicitation to buy or sell any security in any jurisdiction where such an offer would be unlawful.
02Regulatory compliance
RISCH Wealth Private Limited ensures compliance with all applicable laws and guidelines issued by SEBI and other regulatory authorities, as amended from time to time.
03Registration
RISCH Wealth Private Limited. AMFI-registered Mutual Fund Distributor. Registered with APMI (Association of Portfolio Managers in India) as a Distributor of Portfolio Management Services. Distributor of Alternative Investment Funds (AIF).
In practice: the mutual funds, portfolio management services and alternative investment funds we recommend are run by their own SEBI-registered asset managers, portfolio managers and fund managers. RISCH helps you choose them, arranges the investment and reviews the portfolio with you over time.
ARN-156886
APRN-05916
04Grievance redressal
For any complaint, write to or call our Grievance Officer, R K Maheshwari, at rischwealth@gmail.com or +91 94830 03456. If you are not satisfied with our response, you may raise it with the fund house or portfolio manager concerned, on SEBI’s SCORES portal (scores.sebi.gov.in), or through SMART ODR (smartodr.in).
Commission Disclosure
05Commission earned on mutual funds
RISCH Wealth Private Limited is offered commission on mutual fund business sourced under its own ARN. The commission varies from fund house to fund house and from scheme to scheme. In line with SEBI circular SEBI/IMD/CIR No. 4/168230/09, the commission earned from the asset management companies whose products we distribute is disclosed below.
| Scheme category | Annual trail (Top 30 cities) |
|---|---|
| Equity Schemes | |
| Equity Funds | 0.20% to 1.75% |
| Hybrid Schemes | |
| Arbitrage Funds | 0.45% to 0.80% |
| Conservative Hybrid Funds | 0.20% to 1.45% |
| Other Hybrid Funds | 0.25% to 1.75% |
| Debt Schemes | |
| Overnight & Liquid Funds | 0.01% to 0.20% |
| Ultra Short, Low, Money Market & Short Duration Funds | 0.05% to 1.30% |
| Credit Risk Funds | 0.50% to 1.20% |
| Gilt Funds | 0.10% to 1.00% |
| Floater Funds | 0.15% to 0.68% |
| Medium, Medium to Long, Long & Dynamic Duration Funds | 0.12% to 1.25% |
| Corporate Bond, Banking & PSU Funds | 0.09% to 0.75% |
| Other Schemes | |
| Index Funds / ETFs | 0.03% to 1.10% |
| Fund of Funds | 0.05% to 1.25% |
| Retirement & Children’s Funds | 0.50% to 1.75% |
06Basis of the rates disclosed
- They refer to the Top 30 (T30) cities as defined by AMFI; commission may be higher for investments from Beyond 30 (B30) cities.
- They are set by agreement between RISCH Wealth Private Limited and each AMC, and may change without prior notice.
- They are base trail rates, exclusive of GST. From 1 April 2026, GST on distributor commission is paid separately by the AMC, in line with the amended SEBI (Mutual Funds) Regulations and AMFI circular 135/BP/123/2025-26 dated 12 March 2026.
- All commission is paid as trail only, in line with the AMFI Master Circular for MFDs (AMFI/MFD-CIR/32/2025-26, 14 January 2026).
- They are compiled on a best-effort basis and updated as and when revised rates are received from AMCs.
- Scheme-level commission is available from your relationship manager on request.
07Regular plans, trail commission only
As a mutual fund distributor, RISCH Wealth transacts in the Regular plans of mutual fund schemes, which carry distributor commission. Commission is paid by the AMC as a trail on assets invested; no upfront commission is paid to or received by RISCH Wealth. Every scheme also offers a Direct plan, with a lower expense ratio and no distributor commission; RISCH Wealth does not earn commission on Direct plans. Investors should check the exit load and total expense ratio (TER) applicable before investing.
08Commission on PMS and AIF
Where RISCH Wealth distributes a portfolio management service or alternative investment fund, the fees or commission it receives from the portfolio manager or fund manager are disclosed to the client before investment, as required by the respective SEBI regulations.
09Verifying what we earn
Risk Disclosure
10General risk warning
This site, and any proposal generated from it, is provided for informational purposes only and does not constitute investment advice. Investments in securities, mutual funds, portfolio services and alternative assets are subject to market risk, including possible loss of principal invested.
11Mutual fund risk disclosure
Mutual fund investments are subject to market risks; read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending on the factors and forces affecting the securities market, including fluctuations in interest rates. The past performance of mutual funds is not necessarily indicative of the future performance of the schemes. A mutual fund does not guarantee or assure any dividend under any of its schemes, which is subject to the availability and adequacy of distributable surplus. Investors should review the scheme documents carefully and obtain expert professional advice on the specific legal, tax and financial implications of an investment.
12No guarantee of returns
Past performance is not an indicator or guarantee of future returns. Portfolio names shown in a proposal (RISCH Balanced Portfolio, RISCH Growth Portfolio, RISCH Aggressive Portfolio, RISCH Aggressive Plus Portfolio) are labels for an allocation mandate and do not themselves represent or guarantee any performance outcome.
Methodology
13The risk assessment: methodology and scope
The eight-question assessment synthesises two principal dimensions: liquidity time horizon and drawdown tolerance, informed by behavioural loss aversion. Resulting scores map across a continuum of four portfolios, from RISCH Balanced to RISCH Aggressive Plus, and the output is a preliminary allocation, not a final recommendation.
14Context this tool cannot capture
The assessment is a starting point, not a complete financial picture. Overall net worth, debt obligations, illiquid holdings, tax position and family or succession considerations are reviewed in conversation before any allocation is finalised.
Conflicts of Interest
15No proprietary products
RISCH Wealth holds no proprietary fund or product to sell. Where any institutional holding or third-party arrangement exists, it is managed under information barriers designed to prevent conflicts of interest from influencing a recommendation.
Portfolio Deviation Policy
16Bounded deviation
Where a client or RISCH Wealth elects to deviate from a recommended portfolio, that deviation is bounded to one tier above or below the recommendation, with the basis for it documented and signed by both parties.
Important Investor Information
17Purpose of this disclosure
This page sets out the basis on which RISCH Wealth's website, its risk assessment and any proposal generated from it should be read. It is provided for transparency, not as a substitute for a direct conversation about your circumstances.
18No advice, no endorsement
RISCH Wealth Private Limited does not endorse or promote any opportunity referenced on this site, and nothing here should be read as an offer, solicitation or invitation to participate in one. Any assets or securities referenced may be arranged, referred to or held by the firm. This site does not provide business, investment, tax or legal advice, and no investment decision should be made solely on the basis of information provided here.
19Confidentiality of client information
Information a client shares with RISCH Wealth, whether through this site, in conversation or in a portfolio review, is held in confidence and used solely to develop, execute and service that client's portfolio.
20Trademarks
Any trademarks or symbols appearing on this site are included for informational purposes only and remain the property of their respective owners.