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Our registration, exactly how we are paid, the conflicts that exist — and the full risk disclosures. ARN-265474 · EUIN E091320.
Last updated: 2026. The information on this website is provided by Rytvae Consulting ("Rytvae", "we", "us") for general information only. It does not constitute investment, tax, legal or insurance advice, and should not be relied upon as the sole basis for any financial decision.
All investments carry risk, including the possible loss of principal. Different products carry different risk profiles — equity funds are more volatile than debt funds, and no product is suitable for every investor. Please assess your own risk tolerance, financial situation and objectives, and consult a qualified professional before investing.
Insurance is the subject matter of solicitation. Insurance products are offered on a referral basis. The final terms, coverage, exclusions and claim settlement are governed solely by the policy document issued by the respective insurer. Please read the policy wording carefully before concluding a sale.
Loan-related services are referral and facilitation only. Loan sanction, interest rate, eligibility and final terms are at the sole discretion of the respective bank or lending institution. Rytvae does not guarantee approval of any loan.
We do not promise assured, guaranteed or risk-free returns on any market-linked product. Any testimonial reflects an individual client’s experience and is not a guarantee of future performance for others.
This website may link to third-party websites (for example, investor login or AMC portals). We are not responsible for the content, accuracy or practices of those external sites.
For any questions about this disclaimer, contact us at sk@rytvae.com or +91 99086 06944.
If what you want is fee-only advice from an RIA, that is a legitimate and good choice — and we will say so rather than talk you out of it.
No consultation fee, no planning fee, no onboarding fee, no exit fee. Not as an introductory offer — ever. We do not invoice clients.
We receive an ongoing trail commission from the asset management company, paid out of the scheme’s regular plan expense ratio. It is a percentage of assets, typically well under 1% a year, and it stops if you leave.
Insurers pay commission as regulated by IRDAI; lenders may pay a referral fee. Ask us for the number on any specific product before you sign and we will tell you.
Because we are paid a trail on assets you hold, our income grows only when your portfolio grows and you stay invested. It shrinks if you redeem. We think that is a reasonable alignment — but it is not a perfect one, and the section below says where it is imperfect.
| Direct plan | Regular plan (through us) | |
|---|---|---|
| Expense ratio | Lower | Higher — it includes our trail |
| Long-term cost to you | Cheaper. This is arithmetic, not opinion. | You pay for service through the TER |
| Who picks the funds | You do, or your RIA | We shortlist; you decide |
| Paperwork, KYC, folio fixes | You handle it | We handle it |
| Statements & tax reports | You compile | Prepared and explained |
| Someone to call in a 30% drawdown | Nobody, unless you retain an RIA | The person who onboarded you |
| Nominee, transmission, claim support | Your family does it alone | We walk your family through it |
Our position: direct plans cost less, full stop. What you give up is a person who does the work and keeps you from the expensive mistakes — panic-selling in a crash, stopping an SIP at the bottom, buying last year’s top performer. If you are a disciplined DIY investor who genuinely stays the course alone, direct plans are likely the better economic choice, and we will tell you that to your face.
Unbiased and free of hidden conflicts. We carry no sales targets, no in-house products and no fund-house loyalties — every recommendation is chosen on merit alone. Where we earn a commission, we disclose it upfront and in writing, so you can weigh our reasoning knowing exactly how we are paid.
We would rather lose a client than mis-sell one. Look elsewhere if:
We are a good fit if you want both sides of your balance sheet handled by someone who answers the phone: investments, protection and borrowing organised together, with the cost of that service stated plainly — as above.
Disclosure: Rytvae Consulting is an AMFI-registered Mutual Fund Distributor (ARN-265474). We are not a SEBI-registered Investment Adviser and do not provide investment advice for a fee. Information on this page is general in nature, is not a recommendation for any person, and does not consider your individual circumstances. Mutual fund investments are subject to market risks; read all scheme-related documents carefully before investing. Past performance is not indicative of future results. Insurance is the subject matter of solicitation. Loan sanction and terms rest solely with the lender.
No, and we will never imply otherwise. Rytvae is an AMFI-registered Mutual Fund Distributor (ARN-265474). We do not hold an INA registration and we do not charge a fee for advice. If you specifically want fee-only advice from an RIA, that is a valid choice and we will tell you so. how we are paid is set out above.
You pay us nothing directly — no consultation, planning or exit fee. We receive an ongoing trail commission from the asset management company, paid out of the regular plan’s expense ratio, typically well under 1% a year. It continues only while you stay invested and stops when you leave. Ask us for the commission on any specific product before you commit and we will give you the number.
Yes. Direct plans have a lower expense ratio — that is arithmetic, not opinion. What you give up is someone doing the work and standing between you and the expensive mistakes: panic-selling in a crash, stopping an SIP at the bottom, chasing last year’s winner. If you are a disciplined DIY investor who genuinely holds through a 30% drawdown alone, direct plans are likely better for you, and we will say that plainly. See the side-by-side comparison above.
Deliberately boring, and closely aligned with the Bogleheads philosophy that grew out of John Bogle’s work: keep costs low, prefer plain-vanilla and index funds over expensive complexity, diversify broadly, get your asset allocation right, rebalance, and stop trying to time the market. We do not forecast, we do not trade around news, and we do not churn portfolios. Rytvae is not affiliated with Vanguard or the Bogleheads community — we simply follow the approach.
Please do. Search our ARN on the AMFI distributor register, check the SEBI RIA register to confirm we are not listed there (we are a distributor, not an adviser), ask to see our IRDAI intermediary licence, and note that we are a member of the Council of Financial Planners (COFP). Every link is on our verification links above. Any grievance can be escalated to SEBI SCORES.
A fair question, and the honest answer is: verify, don’t trust. Rytvae is deliberately small and founder-led, built on 20+ years of banking experience across lending, business accounts, trade, forex and investments. Your money never touches us — it moves from your bank account to the AMC, held in your name, and you can see it any time in your own portal or on MF Central. You can leave whenever you want; nothing locks you in. Judge us on how clearly we explain things, and on what we put in writing about our own conflicts.
