A consultation is most useful when the time goes on your questions rather than on gathering basic facts. A little preparation — most of it a one-off — turns a general conversation into a specific one. This guide sets out what to bring, what to ask, and what happens afterwards.
Step 1: Decide what you want from the conversation
Write down the one or two questions that matter most right now. For example:
- "Am I saving enough for retirement, and what would close the gap?"
- "My portfolio has grown messy. What is overlapping, and what is missing?"
- "We have a child on the way. What should change in our protection and goals?"
A clear question shapes the whole conversation.
Step 2: Take a snapshot of your finances
Complete the Wealth Lab beforehand if you can. It summarises net worth, cash flow, savings rate, emergency months, protection and goals in one map, which saves a large part of a first meeting. Our Wealth Lab guide explains each step.
Step 3: List your investments
Make a simple list of what you hold: mutual funds, shares, deposits, bonds, provident fund, NPS and anything else, with approximate current values. For mutual funds, a consolidated account statement covering all your fund houses is the easiest source. Running your funds through the Portfolio X-Ray first will show allocation, concentration and overlap.
Step 4: List your insurance
For each policy, note the type (term, health, other), cover amount, annual premium, policy term and nominee. Include employer cover separately, since it usually ends with the job.
Step 5: Write down goals and dates
List each goal with an approximate cost in today's money and the year you will need it. If you have not priced them yet, our goal planning guide shows how.
Step 6: Note constraints and preferences
Anything that should shape the conversation:
- money you may need at short notice
- how you felt and what you did in the last significant market fall
- family obligations, such as supporting parents
- preferences about the kinds of products you are comfortable with
- tax considerations you are aware of
Step 7: Prepare your questions
Alongside your own questions, it is reasonable to ask:
- How is CompoundX paid, and how does that affect what you suggest?
- Which registrations does CompoundX hold? (They are listed on our Disclosures page.)
- If I decide to invest, who handles onboarding and transactions, and what will I see?
- What happens after today — will there be a written summary and a follow-up?
- How often would we review things, and what would prompt an earlier conversation?
The scope of what a consultation can cover depends on the registrations CompoundX holds, which is why they are published.
Step 8: Book and choose a format
Book a consultation by choosing video, phone or (where available) an office visit, then a relationship manager and a time slot (shown in India Standard Time). Add a short note about your main question when you book, so the conversation can start from there.
Step 9: After the conversation
- Note the main points and any actions while they are fresh.
- Take your time. A good decision rarely needs to be made on the call.
- If you choose to invest, the Start Investing page explains the process, including the regulated partner that handles onboarding and transactions.
- Put your next review in the calendar — our annual review guide suggests how.
Keep your details safe
Share only what a conversation needs. Do not send full bank account numbers, card details, passwords or OTPs by email, chat or phone, to anyone. CompoundX will never ask for your passwords or OTPs. If someone claiming to represent CompoundX does, do not share them, and contact us through the details on our Contact page.