Risk Disclosure Statement

1. Introduction

This Risk Disclosure Statement outlines the various risks associated with investing in mutual funds through the NiveshPe platform operated by Futurewell Fintech Private Limited ("NiveshPe", "Company", "We"), with AMFI mutual fund distributor registration in process.

This document should be read in conjunction with our Terms & Conditions and Privacy Policy.

2. Market Risk

Mutual fund investments are subject to various market risks that can affect the value of your investments:

Key Market Risks Include:

• Equity Risk: Stock prices can fluctuate significantly due to company performance, economic conditions, or investor sentiment
• Interest Rate Risk: Changes in interest rates can affect the value of debt securities held by mutual funds
• Credit Risk: Risk of default by issuers of debt securities
• Currency Risk: For funds investing in foreign securities, currency fluctuations can impact returns
• Inflation Risk: Rising inflation may erode the real value of your returns
• Economic Risk: Economic downturns, recessions, or policy changes can negatively impact fund performance

The Net Asset Value (NAV) of mutual fund units may go up or down depending on market conditions and the performance of the underlying securities.

3. Past Performance Disclaimer

Any historical data, returns, or performance metrics displayed on the NiveshPe platform are based on past results and do not guarantee future performance.

• Historical returns do not predict or guarantee future returns
• Market conditions change continuously, affecting fund performance
• Previous success does not eliminate the risk of loss
• Fund performance can vary significantly over different time periods

4. No Guaranteed Returns

Unlike fixed deposits or savings accounts, mutual fund investments:

• Do not offer guaranteed or assured returns
• Do not provide capital protection or principal guarantee
• May result in loss of the original investment amount
• Returns can be negative in certain market conditions
• Are subject to scheme-specific risks outlined in the Scheme Information Document (SID)

Users must carefully read all scheme-related documents before investing.

5. Execution-Only Services

What This Means:

• No Advisory Relationship: No fiduciary or advisory relationship exists between NiveshPe and the User
• Independent Decisions: All investment decisions are made solely by you
• No Personalized Advice: We do not assess individual financial situations or recommend specific funds
• Educational Content Only: Any content provided is for awareness and does not constitute investment advice
• User Responsibility: You are fully responsible for evaluating the suitability of any investment

Users are strongly encouraged to:

• Consult independent financial advisors before investing
• Assess their own risk tolerance and investment objectives
• Conduct thorough due diligence on investment products
• Make informed, independent investment decisions

6. Educational Tools Disclaimer

NiveshPe may provide various tools such as:

• Investment calculators (SIP calculators, goal calculators, etc.)
• Projected returns or goal achievement estimates
• Portfolio analyses or performance reports
• Insights, charts, or automated outputs

Important Limitations:

• Work Product does not constitute investment, legal, tax, or financial advice
• NiveshPe does not manually review or validate the Work Product
• Projections are based on assumptions that may not materialize
• Actual results may vary significantly from projected outcomes
• Users must independently verify all information before making investment decisions

7. Algorithmic Risk Profiling Limitations

NiveshPe may offer automated suitability or risk-profiling features based on user inputs and algorithmic assumptions.

Important Limitations:

• Risk profiles are based on limited inputs and may not capture your complete financial situation
• Algorithms cannot account for all personal circumstances, obligations, or life events
• Risk tolerance assessments are subjective and may change over time
• Automated tools cannot replace professional financial advice

NiveshPe does not warrant the accuracy or completeness of algorithmic outputs. Users are advised to seek independent professional advice before acting on such tools.

8. Liquidity Risk

While many mutual fund schemes offer daily liquidity, certain risks apply:

• Redemption Delays: Redemption requests may take 1-3 business days to process
• Lock-in Periods: Some schemes (e.g., ELSS) have mandatory lock-in periods
• Exit Loads: Early redemptions may attract exit load charges
• Market Conditions: During extreme market volatility, AMCs may temporarily suspend redemptions (subject to SEBI approval)
• Instant Redemption Limits: "Instant redemption" facilities are subject to daily limits, scheme rules, and fund availability

NiveshPe only facilitates redemption requests and is not responsible for delays, rejections, or failures caused by AMCs, RTAs, or banking partners.

9. Concentration Risk

Investing heavily in a single fund, asset class, or sector increases concentration risk:

• Lack of diversification can amplify losses
• Sector-specific funds are exposed to industry-specific risks
• Thematic or niche funds may underperform broader markets

Users are responsible for maintaining appropriate diversification across their investment portfolio.

10. Regulatory Risk

Changes in government policies, tax laws, or SEBI regulations can impact mutual fund investments:

• Tax treatment of capital gains may change
• Regulatory changes may affect fund structure or operations
• Compliance requirements may evolve
• Policy shifts can affect market sentiment and fund performance

11. Third-Party Service Risk

NiveshPe relies on third-party service providers for:

• Payment processing (banks, payment gateways, UPI platforms)
• KYC verification (KRAs)
• Fund execution (BSE StarMF, NSE NMF II, AMCs, RTAs)
• Platform hosting and technology infrastructure

Users acknowledge that transaction processing depends on the availability and performance of third-party systems.

12. Tax Implications

Mutual fund investments have various tax implications:

• Capital gains tax on redemptions (short-term and long-term)
• Tax Deducted at Source (TDS) on certain transactions
• Dividend distribution tax (where applicable)
• Tax laws and rates may change

13. User Responsibility

As an investor using NiveshPe, you are responsible for:

• Conducting thorough due diligence before investing
• Reading all scheme-related documents (SID, KIM, Scheme Addendum)
• Understanding the risks associated with each scheme
• Assessing your own risk tolerance and investment horizon
• Monitoring your investments regularly
• Ensuring accuracy of information provided during KYC and transactions
• Seeking independent professional advice when needed
• Complying with all applicable laws and regulations

NiveshPe strongly recommends that users:

• Invest only what they can afford to lose
• Maintain a diversified investment portfolio
• Have a long-term investment perspective
• Avoid making investment decisions based solely on past performance
• Review and understand all charges, fees, and exit loads before investing

14. SEBI/AMFI Guidelines

NiveshPe operates in compliance with SEBI and AMFI regulations governing mutual fund distributors. All investments are subject to:

• SEBI (Mutual Funds) Regulations, 1996
• AMFI Best Practices Guidelines
• SEBI Investor Charter
• Other applicable circulars and directives

Investor Charter: The Investor Charter, as mandated by SEBI, is available on the NiveshPe platform and outlines investor rights, grievance mechanisms, and responsibilities.

For Queries or Grievances:

Contact our Grievance Officer: jazaib@niveshpe.com | +91-8871702482

Unresolved complaints may be escalated to:

• SEBI SCORES: https://scores.gov.in
• AMFI: https://www.amfiindia.com