Fund Selection Policy

Risk Profiling

Before recommending any scheme, we assess relevant factors about the investor, including:

• Age, income stability, and family / financial responsibilities
• Investment horizon and specific financial goals
• Liquidity requirements and emergency fund position
• Prior experience with market-linked instruments
• Risk tolerance — ranging from conservative to aggressive — and comfort with potential drawdowns

Fund Selection Criteria

Once a risk profile is established, scheme recommendations are evaluated on parameters such as the fund's investment mandate, portfolio composition, historical consistency (not future promise), fund management pedigree, expense ratio, and alignment with the investor's stated goal and time horizon. Comparisons, where presented, are limited to schemes within the same category to ensure a fair basis of evaluation.

Suitability

A scheme is considered suitable when its risk-return characteristics, liquidity profile, and investment horizon align with the investor's risk profile and financial objective, as assessed above.

Unsuitability

Where Meraki Assets Services LLP determines that a scheme or transaction proposed by an investor does not align with their risk profile — for instance, a high-risk equity scheme for a short-term, capital-protection-oriented goal — this assessment will be communicated clearly. Should the investor choose to proceed despite this, the transaction will be recorded and treated as an execution-only instruction, undertaken at the investor's discretion.

Meraki Assets Services LLP does not base fund recommendations on commission structures, sales targets, or promotional incentives offered by any AMC. Suitability to the investor's profile remains the first and only filter for any recommendation made.