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Services

Four ways we help you invest with intent

Each service starts with a conversation and ends with a written plan. Use one, or combine them as life changes.

Book a free portfolio reviewTry the calculators
  • SIPs from ₹500/month
  • No advisory fee
  • Invested in your name
01 / 04Every goal, its own plan

Goal-based investing

A child’s education, a first home, a sabbatical — each goal has a different deadline and a different tolerance for ups and downs. We build a separate allocation for each, so you always know which money is for what.

Who it’s for

Salaried professionals and families with two or more financial goals and no clear structure yet.

Discuss this serviceSIP calculator
Your goalsIllustrative
Retirement2046
First home2031
Child’s education2034
What’s included
  • Goal discovery session
  • Goal-wise fund allocation
  • SIP and step-up schedule
  • Annual rebalancing
02 / 04Accumulate, then draw down

Retirement planning

We estimate the corpus you will need in today’s terms, design an accumulation plan around it, and — as retirement nears — set up a withdrawal strategy so the money lasts as long as you do.

Who it’s for

Anyone 15+ years from retirement who wants a number to aim for, and those within 5 years who need an income plan.

Discuss this serviceRetirement calculator
Corpus over timeIllustrative
AccumulateRetirementDraw down
What’s included
  • Retirement corpus estimate
  • Accumulation plan
  • SWP withdrawal strategy
  • Tax-aware drawdown sequencing
03 / 04Foundations before funds

Financial wellness

Investments fail most often when life forces an early withdrawal. Before recommending a single fund, we check that your cash buffer, insurance cover and loan commitments can absorb a shock.

Who it’s for

First-time investors, young families, and anyone carrying high-interest debt.

Discuss this serviceLoan EMI calculator
Foundations checkIllustrative
Emergency fund4 of 6 months
Insurance coverReview
Loan commitmentsOn track
What’s included
  • Cash-flow review
  • Emergency fund sizing
  • Insurance adequacy check
  • Debt prepayment priorities
04 / 04Understand what you own

Investor literacy

Confident investors stay invested. We run plain-language sessions on how mutual funds work, how to read a factsheet, and how to think about risk — for families, colleges and workplaces.

Who it’s for

Families who want everyone to understand the plan, and employers offering financial wellbeing programmes.

Discuss this serviceRead the guides
Reading a factsheetIllustrative
RiskometerExpense ratioExit load
What’s included
  • Family sessions
  • Workplace workshops
  • Plain-language guides
  • Open Q&A clinics

Whichever service you choose, the basics don’t change

The same standards apply to every engagement — no exceptions, no fine print.

01

A written plan

Goals, amounts and fund choices on paper, in plain language.

02

Full disclosure

You always know how we’re paid and what each scheme costs.

03

Regular reviews

At least once a year, and whenever your life changes direction.

04

Your name, your money

Investments sit with the fund house. We never hold client funds.

Your first portfolio review is on us

A 30-minute conversation about your goals, your current investments, and what to do next.

Book a portfolio review
Call us
+91 9281977293
Email
sureshkoneti@stellarorbit.in
Visit the office
Mon–Sat, 10:00–18:30