Question 1

Who is an ideal client for Silvicon?

Accepted Answer

Professionals, business owners, NRIs and families who want a long-term plan for their money and one accountable person beside them through every market cycle.

Question 2

How is your approach different?

Accepted Answer

We start with your balance sheet, not a product. Every recommendation is backed by three layers of research: the macro cycle, the sector, and the actual underlying holdings, including overlap with everything else you own.

Question 3

How do you get paid?

Accepted Answer

There is no separate advisory fee. On mutual funds we receive a trail commission from the fund house, included in the regular plan's expense ratio. On equity, standard Motilal Oswal brokerage applies. We disclose both before you invest.

Question 4

What is your relationship with Motilal Oswal?

Accepted Answer

Silvicon is an authorised partner of Motilal Oswal Financial Services Ltd. Your demat and trading account is held with Motilal Oswal, and mutual fund units are held in your own name with the fund house.

Question 5

Do I have to sell my existing investments?

Accepted Answer

No. We only recommend moving a holding when the numbers justify it after tax and exit loads. Some of what you own usually stays exactly where it is.

Question 6

Is there a minimum investment?

Accepted Answer

There is no fixed minimum. A SIP can start small. Our deeper portfolio work is best suited to investors with meaningful sums to deploy.

Question 7

How much of my time will this take?

Accepted Answer

About one hour in the first month. After that, a short review each quarter and a tax review once a year.

Question 8

Do you offer insurance?

Accepted Answer

Yes. We help you compare term life and health insurance plans across insurers, so the cover fits your family rather than a sales target.

Question 9

What happens when markets fall?

Accepted Answer

We follow the plan agreed with you in advance. Falls are when rebalancing rules and goal timelines matter most, and when we are most in touch with clients.

Question 10

How do I know my money is safe?

Accepted Answer

Your investments are held in your own name: shares in your Motilal Oswal demat account, mutual fund units with the fund house and its registrar. Payments go straight from your bank. We never hold client money.

Question 11

Do you work with NRIs?

Accepted Answer

Yes. Onboarding, KYC and reviews can happen online, with calls scheduled around your time zone. Some fund houses restrict investors living in the US and Canada, and we tell you upfront which options are open to you.

Question 12

How do I get started?

Accepted Answer

Call or WhatsApp us, or visit our office in Kashimira. A first conversation costs nothing and we will tell you honestly if we are the right fit.