Question 1

What does Temple Capital do?

Accepted Answer

Temple Capital Services LLP is an AMFI-registered Mutual Fund Distributor. We help individuals select, execute, and stay invested in mutual fund schemes that are aligned to their goals. Our process is built around understanding your situation first, then helping you structure a disciplined investment plan, and staying in touch through periodic review conversations.

Question 2

Where is Temple Capital based, and do you work with clients outside Bhubaneswar?

Accepted Answer

We are based in Bhubaneswar, Odisha. While much of our work is built around conversations and digital execution, we are happy to work with clients who are comfortable engaging remotely. Please reach out to discuss how we can best support you, regardless of your location.

Question 3

How do I start investing through Temple Capital?

Accepted Answer

The first step is a conversation. We will understand your goals, timeline, and comfort with risk, then help you complete the KYC process and choose a suitable fund house and scheme. Once your account is set up, we assist with the first investment, whether through a SIP or a lumpsum contribution.

Question 4

What is a SIP?

Accepted Answer

A Systematic Investment Plan (SIP) is a method of investing a fixed amount regularly in a mutual fund scheme. It allows you to invest small amounts over time rather than committing a large sum upfront, and it helps average out the cost of purchase across market cycles.

Question 5

What is the difference between a mutual fund distributor and a financial adviser?

Accepted Answer

A mutual fund distributor helps you select, execute, and service mutual fund investments. They are typically registered with AMFI and earn commission from the fund house. A financial adviser, on the other hand, is SEBI-registered to provide investment advice, often charges a fee directly to the client, and may recommend a broader set of products. Temple Capital is an AMFI-registered distributor, not a SEBI-registered investment adviser.

Question 6

How are mutual funds taxed?

Accepted Answer

Tax treatment depends on the type of fund and how long you hold it. In general, equity mutual funds held for more than one year may qualify for long-term capital gains tax, while shorter holding periods may attract short-term capital gains tax. Debt and hybrid funds have different rules. Tax laws change from time to time, so we recommend consulting a qualified tax professional for advice specific to your situation.

Question 7

What is the minimum amount I need to start a SIP?

Accepted Answer

The minimum SIP amount depends on the mutual fund scheme you choose. Many equity and hybrid funds allow SIPs starting from ₹500 per month. Some schemes may have higher or lower minimums. We will help you choose a scheme that fits both your goal and your monthly contribution capacity.

Question 8

Do you guarantee returns?

Accepted Answer

No. Mutual fund investments are subject to market risk. The value of your investments can go up or down depending on market conditions, fund performance, and other factors. No one can guarantee returns in mutual funds, and past performance is not indicative of future results.

Question 9

Can you help me review my existing mutual fund portfolio?

Accepted Answer

Yes. We can review your existing mutual fund holdings to check whether they are aligned with the goals and risk profile you have shared with us. The review is a conversation and a rebalancing suggestion, not a guaranteed improvement or advisory recommendation.

Question 10

What happens if I need to withdraw before my goal date?

Accepted Answer

Mutual fund units can usually be redeemed before your goal date, subject to the scheme's exit load and tax implications. However, redeeming early may affect your goal progress and returns, especially if markets are unfavorable. We recommend discussing the decision before redeeming, so you understand the trade-offs.

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