frequently asked questions

Learn about Flagship, your personalized mutual fund portfolio.

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Flagship

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What is Flagship?

Flagship is a part of our core offering at Stack. It includes different strategies such as Core, Satellite and goals. The right strategies are recommended to you on the app based on your risk appetite and goals.

Your Flagship portfolio allows you to invest in a curated selection of mutual funds unique to your investor profile (created once you complete the "Coffee Chat"). Mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities. These funds are managed by professional fund managers who make investment decisions on behalf of the investors.

When you invest in a mutual fund, you're essentially buying shares or units of the fund. The value of these shares, called Net Asset Value (NAV), fluctuates based on the performance of the underlying securities in the fund's portfolio.

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Are there any fees for investing in Flaghsip?

Users are not charged any fees by Stack.

Stack earns a small fee from various financial institutions for the services rendered. This fee structure is mentioned in our 'disclosures'.

Please note that the fees earned for any asset class, such as stocks, bonds, or real estate, does not play any role in the quality of investment opportunities that we curate and display to you on the app. Our sole objective is to provide you with the best investment opportunities available in the market, regardless of the fee structure.

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What are the risks involved when investing in mutual funds with Flagship?

The risk you take on with your Flagship portfolio is calculated based on your unique investor profile generated once you complete the "Coffee Chat".

Investing encompasses a range of potential hazards, including, but not confined to, market fluctuations, credit uncertainties, liquidity challenges, and the possibility of capital loss. Nevertheless, employing effective risk mitigation strategies while investing can reduce the impact of these uncertainties. Prior to making investments, it is advised that investors carefully review the risk elements outlined in the relevant offering materials.

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Is my Flagship portfolio actively managed?

Yes, your Flagship portfolio is constantly rebalanced by our Stack Titans (investment experts) based on market movements to ensure you are on track to achieve your financial goals while taking on the least amount of risk. Our experts provide investment recommendations such as when to boost your SIP at certain market downtimes to increase your overall gains. We also provide weekly reports, insights and portfolio updates to keep you up-to-date with your portfolio's performance.

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Is it safe to invest in mutual funds?

Investing in mutual funds, like any investment, carries risks. However, mutual funds are generally considered a relatively safer investment option compared to investing directly in individual stocks or riskier financial instruments. The mutual fund industry in India is regulated by the Securities and Exchange Board of India (SEBI), which imposes certain rules and regulations to protect investors.

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Can I change the weightage of my mutual fund investments?

Our experts choose the most optimal asset allocation when it comes to your Flagship and Opportunities investments. As of right now, we do not allow investors to alter this allocation as it could alter the performance of your portfolio hindering your ability to reach their financial goals on time.

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How is the allocation of my portfolio decided?

The investment team has developed its own proprietary Smart Stack Approach in designing the asset allocation across different investment strategies listed on the platform.

We use a multi-factor model to design the allocations for every user that takes into account factors such as current market conditions, the user's risk appetite, tolerance and individual preferences as well as end objectives and current lifestyle etc.

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How much of my overall portfolio should I invest in Flagship?

Your Flagship portfolio acts as the backbone to your overall portfolio and helps you generate substantial wealth in the long-term steadily. Ideally, we recommend investing 40% of your overall portfolio in Flagship.

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What are the 4 types of mutual funds?

There are four main types of mutual funds: Equity mutual funds, bond mutual funds, money-market mutual funds, and hybrid mutual funds.

Equity mutual funds invest in stocks, which means they have the potential to grow your money over time, but they also come with more risk.

Bond mutual funds invest in bonds, which are considered to be less risky than stocks

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At Stack Wealth, we create a unique mutual fund portfolio that is personalized based on your investment goals and risk appetite. Invest in Flagship to earn up to ~15% returns p.a. Click here to know more.

Money market mutual funds invest in short-term debt securities, such as treasury bills and commercial paper.

Hybrid mutual funds invest in a combination of stocks, bonds, and other assets.

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Are there any lock-ins on my investments?

Yes, different investment schemes/instruments may have different lock-in periods and/or exit loads. In case there are any liquidity constraints with respect to any particular holding, these would be clearly highlighted on the product page of any listed strategy on the app.

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How is Stack Wealth different from Zerodha?

Stack Wealth focuses on wealth management, particularly for long-term wealth generation. It offers personalized investment plans and diversified portfolios. In contrast, Zerodha is primarily a brokerage and trading platform where you can buy direct stocks, commodities, and F&O contracts. Stack Wealth's approach is more long term planning and wealth-focused compared to Zerodha's trading-oriented model.

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What is SIP in a mutual fund?

SIP stands for Systematic Investment Plan. SIP is a method of investing in mutual funds by investing a fixed amount of money at regular intervals, such as every month. SIP helps to average out the cost of your investments in mutual funds and reduces the risk of investing a lumpsum amount at a time when the market is high.

Calculate your SIP returns here

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At Stack Wealth, we create a unique mutual fund portfolio that is personalized based on your investment goals and risk appetite. Start an SIP in Flagship to earn up to ~15% returns p.a. Click here to know more.

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What is a good portfolio return?

The answer to this question depends on several factors, such as your investment goals, risk appetite, and time horizon. However, a good portfolio return for mutual funds in India is typically around 10-12% per year over the long term (5-10 years).

At Stack Wealth, we create a unique mutual fund portfolio that is personalized based on your investment goals and risk appetite. Start an SIP in Flagship to earn up to ~15% returns p.a. Click here to know more.

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Do I need a Demat account for mutual funds?

No, you do not need a Demat account to invest in mutual funds in India. A Demat account is used to hold physical shares and securities, but mutual funds are not physical assets. You can invest in mutual funds directly from the AMC (Asset Management Company) or through a broker, without the need for a Demat account.

At Stack Wealth, we create a unique mutual fund portfolio that is personalized based on your investment goals and risk appetite. Start an SIP in Flagship to earn up to ~15% returns p.a. Click here to know more.

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What is a good mutual fund portfolio?

A good mutual fund portfolio for investors should be diversified and have a mix of equity mutual funds and debt mutual funds.

Some good options for Indian investors include:

  • Large-cap mutual funds: They are considered to be less risky than other types of equity funds.
  • Mid-cap mutual funds: They are also more risky than large-cap funds.

At Stack Wealth, we create a unique mutual fund portfolio that is personalized based on your investment goals and risk appetite. Start an SIP in Flagship to earn up to ~15% returns p.a. Click here to know more.

  • Small cap mutual funds: They are also the most risky type of equity fund.
  • Debt mutual funds: They are considered to be less risky than equity funds.
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How do I create a mutual fund portfolio?

Creating a mutual fund portfolio can be a daunting task, but it doesn't have to be. Here are the basic steps involved:

  • Set your financial goals.
  • Determine your risk appetite.
  • Do your research.
  • Start investing with small amounts.
  • Review your mutual fund portfolio regularly.

At Stack Wealth, we create a unique mutual fund portfolio that is personalized based on your investment goals and risk appetite. Start an SIP in Flagship to earn up to ~15% returns p.a. Click here to know more.

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How is Stack Wealth different from Smallcase?

Stack Wealth distinguishes itself from Smallcase in several ways. Smallcase provides pre-built baskets of stocks managed by external advisors and managers. In contrast, Stack Wealth has an in-house team of experts who create unique portfolios tailored to each user. Additionally, Stack Wealth doesn't limit itself to stocks; it offers diversified portfolios across different asset classes like mutual funds, bonds, FDs, NCDs, peer to peer investing and more, providing a more comprehensive wealth management solution than Smallcase.

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How is Stack Wealth different from Groww?

Stack Wealth is a comprehensive wealth management platform that offers customized portfolios and expert monitoring across various asset classes, not limited to mutual funds and stocks. Unlike Groww, which primarily operates as a mutual funds and stocks marketplace, Stack Wealth provides personalized investment plans for long-term wealth generation.

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How do you manage an SIP portfolio?

Here are some tips on how to manage your SIP portfolio:

  • Choose the right mutual funds: You should choose mutual funds that have a good track record of performance.
  • Set a budget: This will help you to avoid overspending and ensure that you are able to reach your investment goals. Plan your SIP with an SIP calculator.
  • Invest for the long term:Stay invested for at least 5-7 years to reap the benefits of compounding.
  • Rebalance your portfolio regularly: You should choose mutual funds that have a good track record of performance.
  • Choose the right mutual funds: It is important to rebalance your portfolio to ensure that it is still aligned with your risk appetite and investment goals.
  • Review your SIPs regularly:It is important to review your SIPs regularly to make sure that they are still meeting your needs.

At Stack Wealth, we create a unique mutual fund portfolio that is personalized based on your investment goals and risk appetite. Start an SIP in Flagship to earn up to ~15% returns p.a. Click here to know more.

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What is the risk of SIP?

Here are some of the risks associated with SIPs:

  • Market risk:The value of the mutual fund units can go down due to factors such as economic downturn, political instability, or natural disasters.
  • Interest rate risk:The value of debt mutual funds can go down if interest rates rise.
  • Liquidity risk:It may be difficult to sell your mutual fund units quickly if there is low demand for them.
  • Credit risk:The mutual fund could default on its payments if the underlying investments default.

Calculate your returns with an SIP calculator.

At Stack Wealth, we create a unique mutual fund portfolio that is personalized based on your investment goals and risk appetite. Start an SIP in Flagship to earn up to ~15% returns p.a. Click here to know more.

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