By name: india-investment-proposal description: "Create professional investment proposals for prospective Indian clients. Covers firm's SEBI-registered approach, proposed MF/equity/debt allocation, expected outcomes, fee structure, and regulatory disclosures. Triggers on 'investment proposal', 'prospect presentation', 'pitch new client', 'proposal', 'new client presentation', or 'onboarding proposal'."
Investment Proposal (India)
Create professional investment proposals for Indian prospects. Covers SEBI RIA framework, Indian investment vehicles, tax optimization, and regulatory disclosures.
Who Uses This Skill
This skill is for advisors and RIAs creating proposals for prospective clients. If the user is an individual investor (not an advisor), route them to the appropriate skill:
- General financial planning → india-financial-plan
- Mutual fund questions → india-mutual-fund-advisor
- Tax optimization → india-tax-optimizer
- See references/user-personas.md for full routing guide
Workflow
Step 1: Prospect Context
Gather:
- Name and household details
- Current situation: Existing advisor? Self-directed via apps (Groww/Zerodha/Kuvera)? What prompted the meeting?
- Assets: Estimated AUM, MF holdings (regular/direct), equity, FDs, PPF, EPF, NPS, gold, real estate
- Income: CTC/annual income, other income sources
- Goals: Retirement, children's education/wedding, property, FIRE, wealth preservation
- Risk tolerance: Conservative, moderate, aggressive
- Tax situation: Old vs New regime, current deductions utilized
- Insurance: Term life adequate? Health cover for family + parents?
- Constraints: ESG preferences, no-go sectors, liquidity needs
- Fee sensitivity: What are they paying now? (Regular MF commission vs direct + advisory fee)
- Competition: Who else are they considering? (Robo-advisors, other RIAs, bank RMs)
Step 2: Proposal Structure
I. About Our Firm (1 page)
- SEBI RIA registration details
- Investment philosophy (in plain language)
- Team background
- Service model: review frequency, communication, tax planning support
- Fee-only vs commission-free distinction (if applicable)
II. Understanding Your Needs (1 page)
- Restate goals and concerns — show you listened
- Key planning considerations identified in discovery
- What success looks like for them (specific ₹ amounts and timelines)
III. Proposed Investment Strategy (2-3 pages)
Asset Allocation:
| Asset Class | Allocation | Vehicle | Rationale |
|---|---|---|---|
| Large Cap Equity | Nifty 50 Index Fund (Direct) | Low cost, market return | |
| Mid Cap | Active MF (Direct) | Alpha potential in mid-cap | |
| Small Cap | Active MF (Direct) | High growth, higher risk | |
| International | US/Global Fund or Nasdaq ETF | Diversification, USD hedge | |
| Debt — Short Term | Short Duration MF (Direct) | Stability, liquidity | |
| Debt — PPF | PPF contribution | EEE tax status, guaranteed | |
| NPS | NPS Tier 1 (Active Choice 75E) | Extra 80CCD(1B) benefit | |
| Gold | Sovereign Gold Bonds | 2.5% interest + tax-free LTCG | |
| Emergency | Liquid Fund | 6-12 months expenses |
Tax Optimization Strategy:
- Old vs New regime recommendation with estimated savings
- 80C allocation: EPF + PPF + ELSS prioritization
- 80D optimization: health insurance for self + parents
- 80CCD(1B): NPS contribution for extra ₹50K deduction
- Capital gains management: annual LTCG exemption utilization
Insurance Restructuring (if needed):
- Replace endowment/ULIP with pure term plan (10-15x income)
- Upgrade health insurance: family floater ₹15-25L + super top-up ₹50L
- Add critical illness cover if not present
IV. Expected Outcomes (1-2 pages)
- Projected corpus growth (conservative 10%, moderate 12%, optimistic 14% blended)
- Goal-wise SIP requirements with timeline
- Year-wise projection table
- Risk context: max drawdown expectations, recovery timelines
- Comparison to current approach (if known) — especially regular vs direct MF savings
V. Fee Structure (1 page)
| Service | Fee |
|---|---|
| Advisory Fee (AUM-based) | X% per annum |
| OR Flat Fee | ₹X per quarter/year |
| Financial Plan (one-time) | ₹X |
| Underlying MF expenses | Direct plan TER (0.3-1.5%) |
| Total all-in cost | |
| Regular MF commission (what you'd pay elsewhere) | 0.5-1.5% hidden |
| Your savings by switching to direct + advisory |
VI. Getting Started (1 page)
- KYC verification (if needed)
- Account opening: demat, MF platforms (MFU/CAMS/KFintech), NPS
- SIP setup process and timeline
- Existing MF switch: regular to direct plan (tax implications noted)
- Insurance restructuring timeline
- First 90 days plan — what to expect
- Documents needed: PAN, Aadhaar, bank details, existing statements
Step 3: Customization
- Tech professionals: Emphasize ESOP/RSU tax planning, international diversification, FIRE modeling
- Business owners: Focus on business vs personal asset separation, HUF optimization, succession
- NRIs returning: Tax residency implications, FEMA compliance, NRO/NRE account planning
- Retirees: Income generation (SWP), capital preservation, healthcare cost modeling
- Price-sensitive (vs Groww/Zerodha): Lead with tax savings and behavioral coaching value
Step 4: Output
- PowerPoint presentation (12-15 slides) with firm branding
- PDF leave-behind version
- One-page summary for follow-up email/WhatsApp
- Fee comparison sheet (regular MF vs direct + advisory)
Cross-References
| Topic | Go To |
|---|---|
| Model portfolios for proposals | references/model-portfolios.md |
| Tax optimization framework | india-tax-optimizer |
| Full MF advisory (apply with clients) | india-mutual-fund-advisor |
| NPS planning for clients | india-nps-planner |
| Health insurance recommendations | india-health-insurance |
| Home loan optimization | india-home-loan-planner |
| Financial plan workflow (client onboarding) | india-financial-plan |
| Goal templates + SIP calculator | references/goal-templates.md |
| Rebalancing framework | references/rebalancing-rules.md |
| Tax rates quick reference | references/tax-rates-india.md |
| User persona routing | references/user-personas.md |
Important Notes
- The proposal must feel personalized — reference their specific ₹ numbers, goals, and family situation
- Don't oversell returns — Indian equity has delivered 12-14% long-term, but years of -20% happen
- Always include SEBI-mandated disclaimers: "Mutual fund investments are subject to market risks. Read all scheme related documents carefully."
- Direct plan + advisory fee model must be clearly explained vs hidden regular plan commissions
- Follow up within 48 hours with the proposal and a clear next step
- SEBI RIA regulations: document all advice, maintain records, ensure suitability