Investment planning involves helping clients choose suitable mutual fund schemes based on their financial goals, risk tolerance, investment horizon, and income profile. The distributor begins by assessing the client’s needs—such as saving for retirement, children’s education, or wealth creation. Based on this, they recommend a mix of equity, debt, hybrid, or tax-saving mutual funds to build a diversified portfolio. They also explain the risks and returns associated with each fund and assist with documentation and KYC compliance. Distributors may provide ongoing support by monitoring fund performance, rebalancing portfolios, and suggesting changes when market conditions or client goals shift. While they earn commissions from fund houses, responsible distributors prioritize the client’s interests. Effective investment planning through mutual fund distributors ensures disciplined investing, long-term wealth creation, and financial security for clients. Periodic reviews and transparent communication are key aspects of this service.