FAQs

1. Differentiation and Services

1.1. What sets you apart from other financial advisors in the market?

We have been in the industry for more than 24 years, building expertise in creating, preserving, and growing wealth for our clients. We aim to understand our clients' specific financial needs, challenges, and goals, and to offer customised financial plans and investment strategies. We have a dedicated financial planning team, a Research Team, and an Operations team for each client to personally oversee the portfolios regularly and keep them updated, while maintaining strategic asset allocation, market and industry trends, tactical calls, investment opportunities, and the regulatory environment.

VALUES: We value our clients and put their interests in the forefront. Integrity and fiduciary capacity are of paramount importance to us. We cut the jargon and deliver what we promise.

TRUST: We walk our talk and practice what we preach. We are transparent about our services, fees, what we can deliver, and what we cannot. Hear what our clients have to say here https://youtu.be/ZEg042a11Lw

PROCESS DRIVEN: We are more about being solution-centric than product-centric. Our strategies are practical, realistic, and time-bound. Our methods and processes follow SEBI RIA guidelines.

COMPETENCY: We recommend solutions after an in-depth analysis of investment options based on scientific data. Every recommendation we make is backed by research and data, with a clear rationale that suggests options aligned with our clients’ risk tolerance.

TECHNOLOGY DRIVEN: Our Reporting and Financial Plan Platform thrives on technology, enabling accurate risk profiling and better decision-making through robust, comprehensive, and up-to-date reporting.

CREDIBILITY: There is no shortcut to success. Our credibility comes from our Director, Dilshad Billimoria, who has over 25+ years of experience. She has also won the Best Woman Financial Advisory Award 2018 and 2019 - All India. She is a regular columnist at MINT, Outlook Money, Financial Planning Journal, myiris.com, and has authored many articles on her blog. The book “The Wise Owl” has outlined the top 5 best financial advisors in India.

1.2. What services does Dilzer offer?

Dilzer Consultants Pvt Ltd offers a comprehensive range of financial advisory services designed to help clients build, manage, and protect their wealth. Their services are tailored to meet the unique needs of individuals, families, and businesses, and they cover multiple aspects of personal and financial planning. Below are the key services that Dilzer Consultants Pvt Ltd provides:

1. Financial Planning & Goal Setting
2. Investment Advisory & Portfolio Management
3. NRI Financial Services
4. Wealth Management & Preservation
5. Risk Management and Insurance Advisory
6. Tax & Estate Planning
7. Retirement Solutions
8. Debt Management Advisory.
9. Corporate Advisory for Businesses
10. Philanthropy and Social Investing
11. Loan Against Securities

2. Value of Advice

2.1. Why should I pay for advice?

Paying for financial advice at Dilzer Consultants Pvt Ltd can offer several advantages, especially for unbiased, fiduciary,personalised, professional, and trusted financial guidance. Here are some key reasons why paying for advice is beneficial:

1. Expertise, Experience & Certification
2. Fiduciary Advice is always in the interest of the client
3. Comprehensive, Customised and Personalised Financial Planning
4. 360 Service Advisory
5. Lifelong Ongoing Support and handholding
6. Research-Driven Approach
7. Holistic Wealth Management
8. Cost-Effective in the Long Run
9. Accountability and Transparency
10. Sounding Board for every personal and financial decision
11. Road Map with plan of action

2.2. Can you assist me in evaluating my current investment portfolio?

Yes, we offer Wealth Management as a service that provides recommendations for both your current investments and new investments, based on the following parameters:

1. Overall Asset Allocation: Geography, Industry, Sectoral Category: Highlighting concentration risks
2. Goal-Oriented approach: Comprehensive Financial Planning, Wealth Management, Tax Planning, Estate Planning, Risk Management and Debt Management
3. Risk Tolerance: Quantitative and Qualitative Risk Profiling covering Psychometric Risk Assessment parameters
4. Time Horizon: When do you plan to use these investments (short-term, medium-term, long-term)?
5. Current Performance: How are your investments performing relative to your expectations or benchmarks?
6. Tax Considerations: Including tax optimisation strategies, tax loss harvesting,tax planning and cost reduction

2.3. In the event of an unforeseen circumstance, what is the expected timeframe for the return of my funds?

It depends on the type of funds. For Liquid Funds, it would usually take T+1 days and for Equity Funds, it would take T+2 days. For any bank or repatriation issues, our Operations team will work diligently to coordinate with the relevant banks and ensure the required compliance forms are completed.

3. What is the process you follow for fee-based clients and distribution clients?

Key Differences Between Fee-Based and Distribution Clients:

4. Execution and Portfolio Review

This is subject to internal poloicy gudelines for review and subject to Portfolio details

4.1. Can you only provide advice, and I execute on my own?

Yes, this is possible; however, the advisor will not be able to make tactical and strategic changes due to the lack of raw data needed every month for analysis, thus negating tax benefits and cost of restructure.

4.2. Does one need to review their portfolio, and how often? Why?

Yes, it’s essential to review your portfolio regularly. Here are some reasons why and how often:

1. Performance Monitoring: Regular reviews help you assess how well your investments are performing compared to your goals and benchmarks.
2. Rebalancing: Over time, asset allocation can drift due to market fluctuations. Reviewing your portfolio helps you rebalance and meet strategic asset allocation requirements.
3. Goal Alignment: Your financial goals may change due to life events (like a new job, marriage, or the loss of a loved one). Regular reviews ensure your portfolio aligns with your current objectives and changing life needs.
4. Market Conditions: Economic conditions and market trends can impact investment performance. Staying informed allows you to make necessary adjustments.
5. Tax Implications: Reviewing your portfolio can help you manage tax liabilities, such as capital gains taxes, by making strategic decisions about buying or selling assets.

Frequency of Review

1. Quarterly: A good rule of thumb is to conduct a thorough review every three months.
2. Annually: An in-depth annual review is also beneficial to reassess your overall strategy and goals and considering tactical asset allocation needs keeping tax and costs into consideration for the overall planning.

5. Qualifications and Team Expertise

5.1. Are your advisory team members certified and qualified?

The advisory team members have completed their CFP certification and the NISM 10A and 10B exams, with growing experience in the Investment Advisory field.

6. What drives us to serve you?

1. Treating a problem you face, as if it were our own and helping an investor find a suitable solution
2. Commitment to Financial Well-being
3. Building Trust and Long-term Relationships
4. Providing Clarity in Complex Financial Matters
5. Making a Positive Impact
6. Continuous Learning and Growth
7.  

7. How has Dilzer helped clients?

Dilzer follows a client-centric, fiduciary-led approach focused on delivering outcomes rather than selling products. Client needs, goals, and behavior form the foundation of every recommendation.

1. Client Centricity: Advice is personalized to each client’s life stage, risk profile, and financial priorities.
2. Customer Trust & Reviews: Strong client feedback reflects Dilzer’s transparency, reliability, and long-term commitment.
3. Goal-Oriented Approach: Strategies are designed around clearly defined client goals, with periodic reviews to ensure alignment.
4. Objectivity & Fiduciary Advice: Recommendations are conflict-free and always in the client’s best interest.
5. Structured Problem Solving: A disciplined methodology is used to diagnose issues, evaluate solutions, and monitor outcomes.
6. Need-Based, Behavior-Aware Planning: Solutions account for client behavior and emotional responses, ensuring strategies are practical and sustainable.
7. Technology-Enabled Excellence: Best-in-class technology enhances analysis, tracking, and decision-making.
8. Meaningful Conversations: Ongoing, educational dialogue empowers clients and strengthens long-term relationships.

In essence, Dilzer combines objectivity, behavioral insight, technology, and thoughtful engagement to help clients achieve lasting financial clarity and confidence.

7.1. Financial Planning Assistance

7.2. How does our financial planning help?

We provide a detailed six-step financial planning process:

1. Establish & Define the Client Relationship
2. Gather Client Data & Define Goals
3. Analyze & Evaluate Financial Position
4. Develop & Present Recommendations
5. Implement the Financial Plan
6. Monitor, Review & Update

Code of Ethics: Acting in Your Best Interest

Our planning is governed by a strict Code of Ethics, ensuring:

1. Integrity: Honest, fair, and transparent advice
2. Objectivity: Unbiased, conflict-free recommendations
3. Competence: Advice grounded in professional knowledge and due diligence
4. Fairness: Client interests placed above all else
5. Confidentiality: Protection of client information
6. Professionalism: Accountability and responsibility in every interaction

This ethical foundation ensures trust and long-term partnership.

Skills and Abilities Aligned with FPSB Standards

Our planners apply FPSB-defined skills and abilities, including:

1. Financial analysis and synthesis
2. Goal-based planning and prioritization
3. Risk and uncertainty assessment
4. Behavioral awareness and client communication
5. Strategic problem-solving and decision structuring
6. Ongoing monitoring and adaptive planning

Our financial planning helps by combining a structured six-step process, global ethical standards, and professional competencies—delivering objective, goal-focused, and sustainable outcomes that evolve with your life.

8. Can you evaluate and advise on my earlier investments?

We conduct a scientific, research-driven evaluation of your existing investments, continually refined through ongoing analysis. The review delivers clear BUY / HOLD / SELL recommendations with transparent rationale, incorporating both quantitative metrics (performance, risk, costs) and qualitative insights (strategy, governance, management quality).

All recommendations prioritise asset allocation discipline, tax optimisation, cost efficiency, and alignment with both strategic long-term goals and tactical considerations, ensuring each decision strengthens overall portfolio outcomes.

8. Company Information

https://dilzer.net/our-services

8.1. What is the mission and vision of Dilzer?

Our mission is to enable our clients to achieve their goals by providing the best in financial guidance and maintaining the strictest possible standards with close and interactive engagement.

Our Vision is to provide holistic wealth management solutions to individuals and families, focusing on long-term financial success, securityand growth.

8.2. How do fee-based advisors differ from agents?

Fee-based advisors and agents differ fundamentally in how they are compensated, the nature of their advice, and whose interests they are obligated to prioritize.

9. Why should I choose Dilzer?

Choosing Dilzer Consultants Pvt Ltd offers you a distinct set of benefits designed to provide personalised, transparent, and comprehensive financial planning services. Here are some reasons to consider:

1. Client-Centric Approach
2. Holistic Financial Planning
3. Transparency and Ethics
4. Experienced and Qualified Team
5. Ongoing Support and Relationship Focus

10. What fees are associated with becoming your client?

Financial Plan and Wealth Management differ depending on the investment options and services opted. Please write to us on business@dilzer.net to know more.

11. How does the referral system work at Dilzer?

Referrals come organically from existing, satisfied clients who have experienced a positive impact on their finances and overall financial well-being. Clients choose to refer Dilzer when they see tangible outcomes—greater clarity, confidence, and progress toward their goals.

There is no formal sales-driven referral program. Instead, referrals are a natural extension of:

1. Consistent, objective, and fiduciary-led advice
2. Measurable improvements in financial decision-making
3. Long-term partnerships built on transparency and outcomes

In essence, referrals at Dilzer are a reflection of the value delivered and the trust earned through meaningful, lasting improvements in clients’ financial lives.

12. What is the minimum investment to get started with Dilzer?

We onboard mutual fund clients with an investible surplus of ₹1,00,00,000 (₹1 crore) and a minimum monthly recurring investment of ₹2,00,000. In addition, clients are expected to have a net worth of ₹10 crore or more.

These thresholds enable us to construct portfolios with meaningful diversification, maintain asset allocation discipline, manage risk effectively, and deliver long-term, tax- and cost-efficient outcomes aligned with client goals.

13. What are the touchpoints with Dilzer for me as a client?

Clients engage with our services through multiple structured touchpoints designed for continuity and proactive support:

1. Initial consultation to understand the client’s financial situation, goals, and risk tolerance
2. Dedicated financial planning sessions with a personal planner to build customized, goal-based strategies
3. Regular portfolio reviews to assess performance, asset allocation, and alignment with evolving objectives
4. Ongoing email and phone communication for support, clarifications, and timely guidance
5. Newsletters and WhatsApp updates sharing market insights, industry trends, research views, and tactical recommendations

This approach ensures consistent engagement, informed decision-making, and long-term alignment with client goals.

14. Investment Advisory and Research

1. Investment decisions are guided by a formal Investment Policy Statement (IPS) that ensures discipline, governance, risk management, and consistent execution.
2. Portfolios are built using a goal-based approach, aligning financial resources to clearly defined, prioritised client objectives and time horizons.
3. Risk profiling evaluates both the client’s financial ability and emotional willingness to take risk, ensuring strategies remain within comfort levels.
4. Strategic asset allocation forms the core of portfolio construction, driving long-term returns while reducing volatility, improving tax efficiency, and maintaining liquidity.
5. Tactical asset allocation allows short- to medium-term adjustments based on market cycles, valuations, economic conditions, and profit-booking opportunities.
6. Investment recommendations are supported by robust in-house and external research, combining qualitative and quantitative analysis.
7. Portfolio construction follows a structured process covering asset allocation, fund selection, optimisation, rebalancing, and ongoing monitoring.
8. Continuous monitoring and trigger-based alerts identify underperformers and profit-booking opportunities, with periodic portfolio rebalancing.
9. A defined investment universe and guidelines ensure suitability, diversification, and regulatory compliance.
10. Mutual fund selection emphasizes style consistency, low costs, tax efficiency, benchmark-relative performance, and experienced fund management.
11. Strong focus on tax optimization to enhance post-tax returns through efficient fund selection and asset placement.
12. Dilzer acts as a SEBI-registered fiduciary advisor, providing objective, documented recommendations with client approval and full transparency.
13. Regular reviews, clear communication, and strict compliance ensure portfolios remain aligned with goals across market cycles.

15. What are the ideal certifications and qualifications that differentiate SEBI RIAs?

The ideal certifications and qualifications that differentiate SEBI-registered Investment Advisors (RIAs) include the NISM Series X-A and X-B Certifications and the Certified Financial Planner (CFP) certification.

16. How can I schedule a meeting with Dilzer?

You can connect with us in many ways:

1. Email: business@dilzer.net
2. Get in touch section of our website www.dilzer.net
3. Chatbot section of the Website {website}www.dilzer.net
4. Book An Appointment via our website at https://dilzerconsultantspvtltd.zohobookings.in/#/dilzerconsultantspvtltd-

17. What is the research methodology you follow at Dilzer?

Investment Process and Portfolio Evaluation Framework

Dilzer evaluates funds using a multi-dimensional framework that assesses portfolio quality, fund management strength, risk-adjusted performance, and return consistency.

Investment Process and Portfolio Characteristics

1. AMC Filtering: Preference for fund houses with consistent benchmark outperformance, robust processes, and governance standards.
2. Number of Stocks: Evaluates diversification levels to avoid excessive concentration or over-dilution.
3. Scheme AUM: Assesses size suitability to ensure scalability without compromising agility or performance.

Fund Manager Evaluation

1. Total Number of Funds Managed: Ensures focus and avoids fund manager overstretching.
2. Total Experience: Considers experience across market cycles, including periods of stress.
3. Track Record: Evaluates consistency of performance and decision-making quality over time.

Risk-Adjusted Return Metrics

These metrics assess how efficiently returns are generated relative to risk taken:

1. Upside & Downside Capture Ratio: Measures participation in market gains versus protection during declines.
2. Maximum Drawdown (MDD: Assesses peak-to-trough loss severity.
3. Sharpe Ratio: Evaluates excess return per unit of total risk.
4. Sortino Ratio: Focuses on downside risk-adjusted returns.
5. Information Ratio: Measures consistency of outperformance over the benchmark.
6. Treynor’s Ratio: Assesses returns relative to systematic risk.
7. Jensen’s Alpha: Measures manager’s ability to generate excess returns.
8. Standard Deviation: Captures overall return volatility.
9. Beta: Indicates sensitivity to market movements.

Performance Metrics

1. Category Average CAGR: Compares fund performance against peers.
2. Benchmark CAGR: Evaluates effectiveness in beating the stated benchmark.
3. Rolling Returns: Measures consistency across different market phases.
4. Absolute Returns (QoQ): Tracks short-term performance trends and momentum.

In summary, this framework ensures fund selection is balanced, disciplined, and research-driven, combining portfolio structure, fund manager capability, risk efficiency, and performance consistency to support long-term, goal-aligned outcomes.

17.1. Do you have model portfolios? What if I need a customized portfolio?

Each client is unique. Therefore, our Asset Allocation models are an outcome of Risk profile, Investment Objective, time horizon & Investor Perspectives.

18. How are you different from a robo-advisor?

How Is Dilzer Consultants Pvt. Ltd. Different From a Robo-Advisor?

Dilzer Consultants Pvt. Ltd. differs fundamentally from a robo-advisor in depth of engagement, judgment-driven decision-making, and fiduciary responsibility.

1. Human-Led, Not Algorithm-Only: Dilzer combines structured analytics with experienced human judgment, whereas robo-advisors rely primarily on predefined algorithms and model portfolios.
2. Deep Personalization: Advice at Dilzer is tailored to individual goals, life stage, tax situation, cash flows, and behavioral tendencies. Robo-advisors typically offer standardized portfolios based mainly on risk questionnaires.
3. Goal-Based Financial Planning: Dilzer follows a comprehensive financial planning approach, integrating investments with retirement, tax, estate, and liquidity planning. Robo-advisors are largely investment allocation tools, not holistic planners.
4. Behavioral Guidance During Market Stress: Dilzer actively supports clients through volatility with context, rationale, and discipline. Robo-advisors lack the ability to manage emotional and behavioral decision-making, which is critical to long-term success.
5. Research-Driven, Active Oversight: Investment decisions are supported by in-depth qualitative and quantitative research, ongoing monitoring, and tactical adjustments. Robo-advisors typically rebalance mechanically without qualitative judgment.
6. Fiduciary, Conflict-Free Advice: As a SEBI-registered investment advisor, Dilzer provides objective, fiduciary-led advice. Robo-advisors may still embed product biases or platform-driven constraints.
7. Meaningful Client Conversations: Dilzer emphasizes ongoing dialogue, education, and clarity—ensuring clients understand why decisions are made, not just what is executed.

In summary, Dilzer offers human expertise, fiduciary accountability, behavioral insight, and customized planning, whereas robo-advisors deliver automated, rule-based portfolio solutions with limited personalization and engagement.

18. What qualities define a good financial advisor?

A good financial advisor is defined by a combination of technical competence, ethical conduct, and client-focused behavior. Key qualities include:

1. Client-Centric Mindset: Places the client’s interests above all else, focusing on long-term outcomes rather than product sales.
2. Fiduciary Integrity: Acts with honesty, transparency, and objectivity, providing advice that is conflict-free and in the client’s best interest.
3. Strong Technical Expertise: Demonstrates sound knowledge of investments, asset allocation, risk management, taxation, and financial planning principles.
4. Goal-Oriented Approach: Structures advice around clearly defined client goals, time horizons, and priorities rather than short-term market movements.
5. Behavioral Awareness: Understands client psychology and helps manage emotional decision-making, especially during periods of market volatility.
6. Disciplined Process and Research Orientation: Follows a structured, research-backed methodology for recommendations, monitoring, and portfolio adjustments.
7. Clear Communication Skills: Explains complex financial concepts in a simple, transparent manner, enabling informed decision-making.
8. Accountability and Consistency: Provides regular reviews, measurable progress tracking, and timely course corrections as circumstances change.
9. Adaptability and Continuous Learning: Keeps pace with regulatory changes, market developments, and evolving best practices.
10. Trust and Relationship Building: Builds long-term relationships based on credibility, reliability, and meaningful conversations—not transactions.

In essence, a good financial advisor combines ethical responsibility, professional competence, and behavioral insight to help clients make confident, well-informed financial decisions over time.

18.1. What is a CFP and SEBI RIA, and how will it help me?

18.2. How should I select a financial advisor?

1. Verify Credentials and Qualifications: Choose an advisor with recognized professional certifications and formal training in financial planning, demonstrating technical competence and adherence to professional standards.
2. Understand the Advisor’s Fiduciary Obligation: Confirm whether the advisor acts in a fiduciary capacity, meaning they are legally and ethically required to put the client’s interests first.
3. Evaluate Experience and Expertise: Assess the advisor’s experience across market cycles and their ability to handle areas relevant to your needs—investments, retirement, tax planning, risk management, and estate planning.
4. Assess the Financial Planning Process: A good advisor should follow a structured financial planning process—goal setting, data gathering, analysis, recommendations, implementation, and ongoing review—rather than offering ad-hoc advice.
5. Understand Compensation and Fees: Ensure fees are transparent and clearly explained. Understand whether the advisor is fee-only, fee-based, or commission-driven, and how this may affect objectivity.
6. Review Ethical Standards and Code of Conduct: Advisors aligned with FPSB standards are expected to follow a strict code of ethics, including integrity, objectivity, fairness, confidentiality, and professionalism.
7. Evaluate Communication Style and Fit: The advisor should communicate clearly, listen actively, and be willing to educate rather than dictate—supporting informed decision-making.
8. Ask About Ongoing Monitoring and Reviews: Financial planning is not a one-time exercise. Confirm how frequently portfolios and plans are reviewed and how changes are communicated.
9. Check Regulatory Registration and Disclosures: Verify that the advisor is properly registered with the relevant regulator and review disclosures for conflicts of interest or disciplinary history.

Client Interaction and Confidentiality

Client interaction is managed through structured, transparent communication across consultations, planning sessions, reviews, and ongoing support. All client information is handled with strict confidentiality, protected through robust controls and used solely for advisory purposes, ensuring trust, privacy, and regulatory compliance.

19. Do you also help with implementing a financial plan?

Yes, we will help with implementing the Action Plan statement from the Financial Plan and provide due-diligence recommendations, reviewing the portfolios, and monitoring the progress.

20. I’d like to speak with some of your existing clients to know about their feedback — is it possible?

Yes, references and resoruces will be provided to help you make an informed decision.

21. What is the medium of communication or meetings you follow?

We arrange in-person meetings at our office, & online meetings.

22. Is my data confidential and kept safe?

We follow encryption and data privacy for our clients.

23. I'm an NRI. How can I enrol with you?

We specialise working with NRIs Refer our NRI Corner here https://dilzer.net/nri-corner

24. Where do you look for a trustworthy and certified or SEBI-registered advisor?

You can find a trustworthy certified RIAs on the SEBI website.

25. What is the maximum fee a SEBI RIA can charge for AUA and a fixed fee model?

The maximum fees that may be charged under the AUA mode {AUA model} shall not exceed 2.5 per cent of AUM, and under the Fixed Fee Model, it shall not exceed 1.50 L p.a.