Share
PortfolioCube · Systematic Wealth Architecture

Your trusted mutual fund distributor & wealth creation partner

Personal, disciplined guidance to help you invest in the right mutual funds — whether you're starting your first SIP, planning for a goal, or reviewing a portfolio you already hold.

Retirement PlanningThrough Mutual Funds
SIP & LumpsumFlexible investing options
Goal-based PlanningPlans built based on your Risk Profile
Illustrative · Growth of a Monthly SIP Long-term view
Year 1Year 5Year 10Year 15+
Wealth Creation Journey
Goal-based financial planning
SIP, Lumpsum & investments
Tax-saving (ELSS) investments
Free Investment Calculator

See what your investment could grow into

Switch between SIP and Lumpsum to get an illustrative sense of how your investment could grow over time.

₹5,000
₹500₹1,00,000
12%
1%20%
10 years
1 year30 years
Amount Invested ₹0
Wealth Gained ₹0
Estimated Total Value
₹0
Start This SIP

This is an illustrative calculation only, assuming a constant annual return compounded monthly. Actual mutual fund returns fluctuate and are subject to market risk. This is not a guarantee of returns and does not constitute investment advice.

What PortfolioCube help with

Investment services built around your goals

Every recommendation starts with your goal, time horizon and comfort with risk — not the other way around.

01

SIP Investments

Start a Systematic Investment Plan to invest a fixed amount every month and build wealth steadily through market cycles.

02

Lumpsum Investments

Put a one-time investment to work in funds chosen to match your goal, timeframe and risk appetite.

03

Goal-Based Investing

Plans mapped to real milestones — a child's education, a home, retirement — with the right mix of funds for each.

04

Tax-Saving (ELSS) Funds

Reduce your tax outgo under Section 80C while staying invested in equity markets, with the shortest lock-in among 80C options.

05

Portfolio Review

A periodic, honest look at your existing mutual fund holdings — what's working, what to rebalance, and why.

06

Ongoing Guidance

Markets move; plans should adapt. I stay in touch so your investments keep pace with your life, not just the news cycle.

Getting started

How we'll work together

A simple, four-step process from first conversation to a portfolio you understand and trust.

1

Understand your goals

A conversation about your income, goals, timelines and comfort with risk.

2

Recommend a plan

A shortlist of suitable funds and an investment approach — SIP, lumpsum, or both.

3

Complete KYC & invest

I guide you through KYC and the paperwork so your investment starts without friction.

4

Review & rebalance

Regular check-ins to track progress and adjust the plan as your life and markets change.

Nawneet Kumar Panjiyar, Founder of PortfolioCube and AMFI Registered Mutual Fund Distributor
About PortfolioCube

A personal, long-term approach to your money

I'm Nawneet Kumar Panjiyar, an AMFI registered Mutual Fund Distributor (ARN 303470). PortfolioCube is a digital initiative by me to connect and help millions of individual investors who don't have any access and knowledge about mutual fund investments in India. My focus is simple: help everyday investors build wealth through mutual funds with a plan that's easy to understand, easy to follow, and built for the long run.

Rather than chasing the latest fund of the month, I focus on discipline — matching the right funds to your goals and helping you stay invested through market ups and downs, which is where long-term wealth is actually made.

  • Scientific Risk Profiling
  • Personalised, Goal-based investment planning
  • Instant e-KYC, Digital Onboarding
  • Fund selection matching risk profile and goal
  • Regular Portfolio reviews, not one-time advice
Why invest with PortfolioCube

What makes this partnership different

1

Fully transparent

You'll always know which funds you're in, why they were chosen, and how they're performing.

2

Goal-first planning

Every recommendation is anchored to a real goal and time horizon, not a generic model portfolio.

3

No jargon

Investment ideas explained in plain language, so you're making informed decisions, not just signing forms.

4

Ongoing relationship

Markets, income and goals change over time — your portfolio gets reviewed accordingly, not left on autopilot.

Frequently Asked Questions

Answers to common questions

A SIP lets you invest a fixed amount in a mutual fund scheme at regular intervals — usually monthly — instead of investing a lump sum at once. It's designed to build investing discipline and average out your purchase cost across market ups and downs over time.
Most mutual fund schemes allow SIPs starting from as low as ₹500 per month, though this can vary by fund house and scheme. Lumpsum investments typically have a slightly higher minimum, often ₹1,000 or more.
Most mutual funds are open-ended, meaning you can redeem your units on any business day. The main exception is ELSS (tax-saving) funds, which have a mandatory 3-year lock-in per investment — still the shortest lock-in among Section 80C tax-saving options.
Direct plans are purchased straight from the fund house with no distributor involvement, resulting in a slightly lower expense ratio. Regular plans are purchased through a distributor, who provides guidance, KYC support, and ongoing portfolio assistance, for which a small commission is built into the expense ratio. Both plan types hold the same underlying portfolio of securities.
Mutual Fund investments are subject to market risks, and returns are never guaranteed. Different fund categories carry different risk levels — equity funds are generally more volatile than debt or hybrid funds. It's important to align fund selection with your personal risk appetite and investment horizon.
You can redeem your units at any time by placing a redemption request through your mutual fund folio, the fund house's platform, or with your distributor's support. Redemption proceeds are typically credited to your registered bank account within a few business days, depending on the scheme type.
ELSS (Equity Linked Savings Scheme) is a category of mutual fund that qualifies for a tax deduction under Section 80C, up to ₹1.5 lakh per financial year. It comes with a 3-year lock-in — the shortest among common 80C options — and invests primarily in equities.
Absolute return simply measures the overall percentage gain or loss on an investment. XIRR (Extended Internal Rate of Return) accounts for the timing of each individual investment — relevant for SIPs, where every installment is invested on a different date — and expresses your return as an annualized percentage, making it a more accurate measure of SIP performance.
Reach out through the contact form on this page, and Nawneet Kumar Panjiyar will guide you through understanding your goals, completing KYC, and selecting suitable funds. You can also explore directly at mf.portfoliocube.in.
Trusted by investors

What Our Clients Say

Had a good experience? Share your testimonial →

Share Your Experience

Had a good experience with PortfolioCube?

Submit your testimonial below. Every submission is reviewed before it's added to the testimonials shown above — you'll see your words on the site once approved.

Ready to start investing with a plan?

Reach out for a no-obligation conversation about your goals and how mutual funds can help you get there.

Let's begin the financial journey together Drop us a line and let's get moving.

By submitting this form, you agree to our Privacy Policy.

Stay Updated

Get new posts on mutual funds, retirement planning, goal based investing, tax planning, market updates, portfolio analysis and long-term investing delivered to your inbox.

Stay Updated

Get new posts on mutual funds and long-term investing delivered to your inbox.