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Have you covered your liabilities sufficiently?   In case of unfortunate event, will your family be financially the same as it is today?   Do you have the best tax benefits available as per your gross income?   Are you getting the best returns on your invested money?   Have you ever discussed your investment planning with any professionals?   Is your post retirement life secure?   Will you be able to afford the educational cost of your child ten years from now?   What comes on your mind when you hear the words insurance? Death? Premiums? Tax Savings? Retirement? Child Education?   Can your insurance/ investments be suitable to your needs and risk profile?

Golden Mean Financial Services LLP follows a structured and documented approach for mutual fund scheme selection and investor profiling in accordance with applicable SEBI and AMFI guidelines.

This policy outlines the framework adopted to align product distribution with investor profiles while maintaining transparency and regulatory compliance.

Risk Profiling

Investors are required to complete a Risk Profiling Assessment prior to undertaking investments.

The risk profile is determined based on multiple factors including investment horizon, financial goals, income stability, investment experience, and risk tolerance.

Risk profiles may be reviewed periodically or upon any material change in the investor's financial or personal circumstances.

Scheme Selection Framework

Scheme selection is based on a structured evaluation process, which may include:

Suitability Alignment

Financial products are mapped to the investor's assessed risk profile and investment horizon.

Investors are expected to review product-related information and make informed decisions before proceeding with any transaction.

Non-Advisory Nature

Golden Mean Financial Services LLP is an AMFI Registered Mutual Fund Distributor and provides distribution services only.

We do not provide investment advisory services or portfolio management services. Investment decisions are undertaken at the discretion of the investor.

Conflict of Interest

Golden Mean Financial Services LLP does not have any ownership or affiliation with any Asset Management Company.

Scheme selection is based on defined parameters and is not influenced by commissions or incentives.

Commission earned from product providers is disclosed on the Commission Disclosure page.

Documentation & Record Keeping

Relevant records relating to investor profiling, transactions, and communications are maintained in accordance with applicable regulatory requirements.

Policy Review

This policy is reviewed periodically or upon any changes in applicable regulatory guidelines.