Your Guide

Who are you?
Let me show you what we do for you.

Choose the investor profile that best describes your life right now. Our advisor will point you to exactly what SABI does for people like you.

Tap to open
Early & Mid Career · Salaried Professional
Your salary grows every year.
Your wealth should too.

Time is your most powerful financial asset. Every month you delay is a month of compounding you can never recover. Your basket needs someone watching it — so you can focus on your career.

"I want my money to grow — but if something goes wrong with my job, I cannot afford to lose everything I have saved."
  • 📈
    A growth engine, calibrated to your income stageSIP portfolios designed for the income you earn today and the life you are building toward — not a generic plan.
  • 🛡️
    A safety net that never movesAn emergency buffer ensures a job disruption or a market fall never forces you to break your investments at the worst possible time.
  • 🧠
    Behavioural discipline in every correctionThe market will fall. We make sure panic does not. We are the guardrail between your emotions and your portfolio during every downturn.
  • ⚖️
    A basket that evolves as your life doesNew salary. Growing family. Changing goals. Your basket rebalances with every milestone — automatically, strategically, without you having to ask.
Unpack my basket with the team →
No obligations · No product pitches · Just honest advice
Business Owner · Entrepreneur
Your business carries enough risk.
Your basket should not.

Your business is already a concentrated, illiquid, high-stakes position in your net worth. The money outside needs to work smarter — not mirror that same risk.

"My business is doing well — but everything is in one basket. If the business slows, I have nothing working outside of it."
  • 🏦
    Outside wealth as your ballast, not your betIf the business is your growth, outside wealth becomes your anchor. Capital-protected, calm, inflation-beating — the opposite of what your business already is.
  • 🎯
    Calculated aggression when surplus demands itStrong business cycle? Stable cash flows? We deploy surplus with conviction — goal-based, high-conviction equity with active downside management.
  • 🔄
    Strategy that shifts with your business cycleBusiness up-cycle: strategic deployment. Business stress year: capital protection first. Your basket responds to your reality — dynamically.
  • 📊
    Tax-efficient structuring for business surplusSurplus moved from current account to portfolio with full tax awareness — so deployment does not create an unnecessary burden alongside business taxation.
Unpack my basket with the team →
No obligations · No product pitches · Just honest advice
Doctor · Lawyer · Architect · CA · Consultant
You spent decades building this corpus.
No bad year should undo it.

You are past the wealth-building phase. You are in the wealth-preservation phase — and these require completely different strategies. Most distributors never make this distinction.

"I earn well. I have built a decent corpus. I just want it safe, growing, and not something I need to worry about."
  • 🔒
    Corpus strategies that reliably beat FD ratesDebt funds, balanced advantage funds, and arbitrage strategies delivering FD-plus returns — without pure equity volatility. Consistent, quiet, anxiety-free growth.
  • 😴
    Zero drama. Zero anxiety.Your portfolio is structured so a bad market year does not keep you awake. Downside is capped. Growth is consistent. Peace of mind is non-negotiable.
  • 💸
    Systematic withdrawal that outlasts your careerA withdrawal plan generating predictable cash flow from your corpus — so you are never entirely dependent on your practice for daily income.
  • 📋
    Post-tax returns, not just gross returnsEvery investment decision goes through a tax lens. What you earn from your portfolio should stay with you — handled by a CMA specialist on every decision.
Unpack my basket with the team →
No obligations · No product pitches · Just honest advice
Non-Resident Indian · Investing Back Home
India is the fastest-growing major economy.
Your money should be here.

You have watched India grow from thousands of kilometres away. The opportunity is real. The paperwork, compliance, and "who do I trust" question — that is what stopped you. We remove every barrier.

"I want to invest in India. But NRE, NRO, FEMA, FATCA — it is a maze. And I do not know who to trust with my money from this far away."
  • 🏦
    NRE vs NRO — sorted, finallyNRE for repatriable, tax-free investments. NRO for India-earned income. We identify the right account for every rupee so nothing goes into the wrong place.
  • 🏙️
    GIFT City — your biggest NRI advantageINR-denominated funds, zero Indian capital gains tax, 100% repatriation. Most NRIs never know this exists. We make it work for you.
  • 📄
    FEMA, FATCA, KYC — handled by our CA partnerEvery declaration, every documentation requirement, every regulatory filing — handled end-to-end. Not your problem.
  • 🌍
    Portfolio reviews from anywhere in the worldDubai, London, New York, Singapore — your portfolio review happens on your schedule, in your timezone. Fully hands-off with a PoA arrangement if you prefer.
Unpack my basket with the team →
No obligations · Full compliance · CA partner included
Chat with us
✦ SEBI Registered · ARN-321465 · ARN-106892

Most people own funds.
Very few own a managed portfolio.

"A fund manager takes care of a fund's portfolio."
We take care of your portfolio basket.

Your life is not a fund. It has income, goals, risk, family, and a timeline that is uniquely yours. We manage all of it — together — as one basket.

Discover your basket
Before we tell you what we do — let us show you something.

You know investing works.
You just haven't gotten around to it.

Sound familiar?
"I'll sort the portfolio after this quarter." — That was three quarters ago.
"SIP was going well. Stopped it in a bad month. Never restarted."
"₹4 lakhs sitting in savings at 3.5%. I just haven't decided where to move it."
What that delay actually costs — in rupees
₹1.16Cr
₹50,000/mo SIP · 10 years · 12% CAGR
₹72L
Same SIP · started 3 years late
₹44L
Gone. Not lost — never built.
No market crash. No bad fund. Just three years of no one watching the basket.
The SABI principle — Downside Averaging
"Every correct decision from today averages down the cost of every wrong one behind you."
You do not need to start over. You need someone to manage what exists — correctly, from here. That shift alone changes everything.
Now the harder question. What does your basket actually look like right now?
Does Your Portfolio Look Like This?

Three baskets we see
every single week.

Not mistakes made by careless investors. Traps that catch intelligent, busy people — because every decision made sense at the time.

01
Heavy small & midcaps — plus gold, silver, and a friend's tip.
Feels diversified. In a correction, everything falls together.
What goes wrong ↓
Typical split
Small cap — 42%
Mid cap — 22%
Thematic — 14%
Gold / Silver — 12%
Friend's tip — 10%
In a 30% correction
Small & midcaps drop 50–60% with nothing to absorb it
No debt, no cash — nowhere to deploy at the bottom
Friend's tip has no exit plan. You hold and hope.
The real problem: No floor. Every position moves in the same direction when markets fall. Decoration is not diversification.
02
Funds picked from star ratings, top-return lists, and Morningstar rankings.
Five stars means it peaked 3 years ago. Not that it will perform next year.
What goes wrong ↓
How it was selected
Top-ranked on Value Research
5-star Morningstar
Highest 3-year returns
NFO everyone was talking about
The hidden problem
Ratings measure the past — the category may already be at peak
Three "different" funds often hold the same 20 stocks
PSU and infra funds 2023–24: record inflows at the exact top
The real problem: You bought what already ran. The rearview mirror is the most dangerous tool in investing.
03
Fund recommendations from an AI, a YouTube channel, or a financial influencer.
It analysed thousands of data points. It knows nothing about your life.
What goes wrong ↓
What it cannot know about you
Your existing portfolio — overlap goes undetected
Your EMIs and liquidity needs — position sizing is guesswork
Your tax bracket — post-tax returns are never considered
What it actually gives you
The most-discussed funds on the internet
Categories that trended recently — not ones that fit you
A 28-year-old and a 52-year-old get the exact same answer
The real problem: Investing is not a logic problem. It is a life problem. Generic answers do not fit individual lives.
The SABI difference — Downside Averaging in practice
Most distributors invest your money and move on. We do not. We hold a deliberate cash portion in every basket at all times — not because we are cautious, but because cash is a weapon. When the market corrects, when a sector creates a real entry point, when your own situation changes — we deploy. Precisely. Into the opportunity. That is what separates a managed basket from a parked one. Every correct deployment from here reduces the drag of every wrong decision behind you. That is downside averaging — and it is the only thing we do.
How It Works

Simple. Transparent.
Yours from day one.

A 30-minute conversation is all it takes to begin. Here is exactly what happens next — no surprises, no obligations, no jargon.

Step 01

Open the Basket

Tell us what you have, what you owe, and what you want. We listen first — no recommendations, no pitch. Just an honest look at your complete financial picture.

Free · No obligation · 30 minutes
Step 02

Map the Basket

We analyse every fund, every position, every gap. We identify what is working, what is not, and what your basket actually needs — and give you a clear written picture.

Written report · Complete picture · No jargon
Step 03

We Take the Wheel

From here, two specialists watch your basket every day. Rebalancing, corrections, new goals — handled. You focus on your life. We focus on your basket.

Live from day one · Monthly updates · Always accessible
Inside every basket — here is precisely what we do.
What We Do

Five things we do
inside every basket.

Not products. Not a menu. Five active commitments — each one preventing a specific and expensive mistake that happens when a basket goes unwatched.

SIP Portfolio Management
Goal-based SIP portfolios built for your income stage and life timeline — actively monitored, rebalanced, and never left to drift.
Without this
Your money earns 3.5% in a savings account while inflation quietly takes 6%. The gap compounds every month you wait.
Tax-Aware Fund Selection — CMA Managed
Every fund decision cleared through a tax lens by our Certified Management Accountant. ELSS, LTCG timing, dividend vs growth — chosen for post-tax return, not headline return.
Without this
LTCG and dividend tax quietly take 10–30% of returns that should have stayed in your basket. Most investors only notice it at redemption — when it is too late to restructure.
Downside Risk Management & Cash Deployment
We hold a deliberate cash portion in every basket — always ready to deploy into corrections and real entry points. Not passive. Not parked. Waiting for the right moment.
Without this
When the correction comes — and it always does — you have no capital to deploy at the bottom. You watch the opportunity pass, fully invested and unable to act.
Asset Allocation — Not Just More Funds
Asset allocation is not buying six funds instead of three. It is maintaining the right balance across equity, debt, and cash at all times — so the basket stays liquid when you need it and growing when you don't. Every asset has a role. Every role has a weight. We manage both, continuously.
Without this
Most investors chase growth and ignore liquidity — until an emergency forces them to redeem at the worst possible time. A basket without the right allocation cannot serve both needs. It ends up serving neither.
NRI Investment Services
NRE/NRO routing, GIFT City access, FEMA and FATCA compliance — handled end-to-end with our CA partner. Portfolio reviews in your timezone. PoA arrangement available.
Without this
Compliance complexity becomes the reason you never start. India compounds at 12% annually. Every year of paralysis is a year of that growth that belongs to someone else's basket.
Three hundred families trusted us with their baskets.
What Our Clients Say

Real people.
Real baskets. Real outcomes.

We are proud of what our clients say about us. These testimonials will be added as we get written permission from our clients to share their stories.

The portfolio Phani built for us has survived two major market corrections without us losing sleep. That peace of mind is worth more than the returns alone.
R
R.K. — Business Owner
Vizag · Client since 2018
⭐ Client TestimonialReplace with a real client quote before publishing
As an NRI, I had been putting off investing in India for years. SABI handled every compliance requirement and I was invested within two weeks. I wish I had done this sooner.
S
S.R. — NRI Investor, UAE
Dubai · Client since 2021
⭐ Client TestimonialReplace with a real client quote before publishing
I came in with a portfolio that was a mess — small caps everywhere, a few random funds, no real strategy. Within a month we had a plan. The basket actually makes sense now.
A
Dr. A.M. — Physician
Hyderabad · Client since 2022
⭐ Client TestimonialReplace with a real client quote before publishing
Behind every basket is a team that genuinely cares about what is inside it.
The People Behind Your Basket

Two specialists.
One complete picture.

A financial planner and a tax specialist — so your basket has both bases covered, always. We built SABI because we believed most investors deserved better than a product push.

P 📷
Dhulipala Venkata Surya Phani Krishna
Co-Founder · Distribution Specialist · In practice since 2014
ARN — 321465
CFP Curriculum Trained AMFI Registered EUIN Holder

Phani has spent over a decade asking the same question before every recommendation: "Is this right for this specific basket — or am I recommending it because it sounds good?" That discipline, applied to 300+ families, is the foundation everything at SABI is built on. When he is not watching portfolios, he is reminding clients that the best time to start was yesterday — but today works too.

Focus Areas
Portfolio Strategy · SIP Planning · Downside Risk · NRI Investments
S 📷
Karri Sandeep Reddy
Co-Founder · Tax Specialist · In practice since 2014
ARN — 106892
CMA · Cost Accountant CFP Curriculum Trained CWM Curriculum Trained AMFI Registered EUIN Holder

Sandeep runs every portfolio decision through a tax lens before it leaves his desk. His rule is simple: what you build should stay with you, not be quietly redistributed to the government. As a Certified Management Accountant, he brings a rigour to fund selection that most distributors never apply. His personal principle — "Never recommend a fund without understanding its tax consequence" — keeps every client's post-tax returns honest.

Focus Areas
Tax Planning · LTCG Strategy · NRI Compliance · Financial Structuring
10+
Years of Combined Practice
300+
Families Served Since 2014
2
Dedicated Specialists on Your Basket
SEBI
Registered Distributor
You have questions. Every serious investor does. Here are honest answers.
Frequently Asked Questions

No jargon.
Just honest answers.

These are the questions every new investor asks us. We believe you deserve a straight answer to every one of them.

What exactly does a mutual fund distributor do?+
A mutual fund distributor helps you select, invest in, and manage mutual fund portfolios. Unlike a bank RM or a direct platform, SABI focuses on your complete portfolio basket — not on selling you individual products. We handle fund selection, SIP management, rebalancing, and ongoing monitoring across all your investments.
Do I pay anything to work with SABI?+
No direct fee from you. We earn a trail commission from the AMC for the funds we distribute on your behalf. This is standard industry practice, fully disclosed, and regulated by AMFI. Our incentive is aligned with yours — your portfolio grows, our trail grows. We earn nothing from switching you to worse funds and everything from keeping you in better ones.
What is downside averaging and how does it work?+
Downside averaging means every correct decision we make from today reduces the average cost of every wrong one behind it. Most advisors focus on picking winners. We focus on protecting you from the losers first — eliminating what is wrong, protecting what exists, and deploying what is idle. Each right action reduces the drag of every past mistake. It is the mathematics of recovery, and it works.
I already have mutual funds. Can SABI take over my existing portfolio?+
Yes — this is actually where we add the most value. Bring us what you have. We will map it, identify what is working and what is not, and restructure your basket correctly. You do not need to sell everything and start over. We work with what exists, fix what is wrong, and build from there.
How long does it take to get started?+
A 30-minute call is all it takes to begin. Within a week you will have a complete picture of your basket and a clear plan. Actual portfolio restructuring depends on complexity — but for most investors, we are fully operational within 2 weeks of the first conversation.
Is my money safe? What happens to my investments?+
Your investments are held directly with the AMC — not with us. SABI has no custody of your funds at any point. We are the distributor — we place transactions on your behalf through regulated platforms. Your folio is in your name, secured by your PAN and KYC, with the AMC directly. We simply manage and monitor it.
Do you work with NRIs outside India?+
Yes. We work with NRI investors across the UAE, UK, USA, Singapore, Australia and beyond. We handle the NRE/NRO routing, GIFT City access, FEMA compliance, and FATCA documentation — with our CA partner managing all regulatory requirements end-to-end. Portfolio reviews happen via video call on your schedule, in your timezone.
What is the minimum investment to get started?+
There is no minimum. Whether you are starting a ₹5,000 SIP or deploying ₹50 lakhs, your basket deserves the same level of attention and care. We welcome investors at every stage — because we know the most important variable is not the amount you start with. It is starting at all.
Want to go deeper? We write about exactly this — in plain language, no jargon.
Investment Insights

Plain language.
Real knowledge.

Read all articles →
Behavioural Finance
Why past returns are the worst way to choose a mutual fund

Five stars today means the category peaked 3 years ago. Here is why the rearview mirror is the most dangerous tool in investing — and what to look at instead.

Coming soon
NRI Investing
What NRIs need to know before investing in India

NRE vs NRO. GIFT City. FEMA. FATCA. Most NRIs lose years of compounding because this maze stops them. Here is how to navigate it — step by step.

Coming soon
Portfolio Management
The real cost of an unmanaged portfolio — a number most investors never calculate

A three-year delay in starting a ₹50,000 SIP costs ₹44 lakhs. We did the math. The result is uncomfortable — and important to know before another month passes.

Coming soon

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"Tell us a little about yourself. We will map the rest together — every asset, every goal, every life stage."

📞
✉️
🌐
Website
sabifp.com
Unpack My Basket

Share a little. We will map the rest together — no obligations, no pressure.

No obligations · No product pitches · 300+ families trust us with their baskets