A rules-based illustration, not investment advice. WealthTicker is not a SEBI-registered investment adviser or distributor. This applies published rules to public NAV data and the answers you give; it does not know your tax position, loans, insurance or other assets, and no one has assessed whether these schemes suit you. Mutual fund investments are subject to market risks; read all scheme-related documents carefully.
Build a fund basket
Eight questions in, a rules-based basket out: an asset allocation, specific Direct-plan funds, a monthly SIP for each and a backtest of the lot. No black box — every rule that shaped the answer is shown next to the fund it picked.
Your basket appears here
Fill in the form and press Build my basket. You’ll get an asset allocation, the specific Direct-plan funds behind it, a monthly SIP for each, and a backtest of the whole basket — with the rule that picked every fund shown next to it.
How the basket is built
The eight answers — age, monthly income and expenses, what is already invested, the horizon, what the money is for, risk appetite and whether an emergency fund exists — set two things. Capacity is what your finances can absorb: income after expenses, years until the money is needed, a cushion already in place. Tolerance is what you would sit through without redeeming. The planner takes the lower of the two — the samemin(capacity, tolerance)the risk profile quiz applies, and the principle SEBI's suitability rules ask a distributor to follow — and maps it to an equity/debt/gold allocation sized to the horizon.
Each sleeve is then filled from the same data the screener runs on, with fixed rules that the basket prints beside every pick: Direct plan and Growth option only (Direct saves 0.5–1% a year; Growth is the only option that compounds), AUM above a ₹500 crore floor so one large redemption cannot move the portfolio, and a ranking on returns, risk and cost within the SEBI category the sleeve calls for — with the published equity holdings checked so two picks do not own the same forty stocks. Funds you already hold (from an imported CAS) are flagged, so a pick reads as a top-up rather than a duplicate. The monthly SIP per fund is your investable surplus split by the allocation, and the backtest runs that SIP through each fund's real NAV history — the drawdown you would have lived through, not just the end value.
What it is not: advice. It knows nothing about your tax bracket, loans, insurance or other assets, it does not rebalance for you, and a rules-based basket is a starting point to take to the screener and question, not a recommendation. Nothing is stored unless you sign in; a signed-in plan is saved so you can revisit it. Not sure of your risk band? Start with the risk profile quiz, which hands its answers here.