Fee-only SEBI Registered Investment Adviser

I invest my own money
the same way I'd invest yours.

20+ years in financial markets. I actively manage my family's portfolio across equity, mutual funds, AIFs, and global investments. mywealth.fit is where that knowledge becomes yours.

SEBI RIA (Registration in progress)
NISM XA — Investment Adviser
NISM XB — Investment Adviser
AMFI Registered
PMS Distributor
Skin in the game

I manage my family's portfolio the same way I'd manage yours

Most advisers manage other people's money on paper. I have personally navigated ESOP vesting, tax planning, repatriation decisions, and reinvestment across asset classes — not as theory, but as real decisions with real money at stake.

My family portfolio spans direct equity, mutual funds, AIFs, global investments, and real estate. I have made consistent, compounding gains across market cycles — including through the 2020 COVID crash, the 2022 rate shock, and the 2024 election volatility. That experience informs every conversation I have with clients.

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Direct equity & mutual funds
Actively managed Indian equity portfolio. Quality-first approach — own companies you'd be comfortable holding through 30% drawdowns.
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Global investing (LRS & offshore)
Personally invested through LRS in US markets. Understand DTAA, PFIC rules, offshore account operations, and US cap gains tax for Indian residents.
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ESOP / RSU tax & reinvestment
Navigated my own ESOP vesting cycle — perquisite tax on exercise, STCG on early sale, LTCG planning, and redeployment into equity and real estate.
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AIFs & alternative structures
Invested in Category II AIFs. Understand the liquidity, commitment period, tax pass-through structure, and when alternatives make sense vs when they don't.
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Real estate & 54F reinvestment
Used long-term capital gains from equity to fund real estate under Section 54F. Know the timelines, conditions, and how to structure the reinvestment correctly.
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Tax optimisation across regimes
Runs old vs new regime comparison annually. Manages LTCG harvesting before March 31 every year. FD interest, NPS deductions, HRA — all tracked and optimised.
Background

20+ years in financial markets — mostly on the other side of the table

My career was in institutional financial services — over two decades at Societe Generale, working across structured products, risk, and client advisory in a global context. I have extensively invested in Indian markets across multiple market cycles — made money, recovered from losses, and diversified globally. Through my years at SocGen I have had direct exposure to sophisticated products: structured notes, swaps, and deal origination flows. That experience gives me a working understanding of how money moves through complex instruments to create returns for investors — not just the theory, but the actual mechanics. A lot of this is being reinforced now through partnerships with global External Asset Managers who have access to well-researched fund houses and experienced stock pickers. It is this combination — personal investing experience, institutional product knowledge, and strong external partnerships — that I believe makes me a better adviser to clients.

Since 2025, I have been building mywealth.fit while completing the SEBI Investment Adviser qualification pathway. The certifications are the regulatory requirement. The knowledge came from two decades of watching markets, managing money, and — crucially — making my own financial decisions with the same tools I now discuss with clients.

I have also spent time in offshore wealth advisory for the Indian diaspora — working with HNI and UHNI clients on cross-border financial planning, offshore investment structures, and the specific complexity that comes with money spread across jurisdictions.

The model

Fee-only. No commissions. No conflict.

I do not earn commissions on products I recommend. A commission-based adviser is incentivised to sell you the fund or insurance that pays them the most. A fee-only adviser is paid by you, for advice that serves you. Under SEBI's Investment Adviser regulations, registered advisers are required to maintain this separation — it is not just a preference, it is a legal obligation.

My income comes from advisory fees — either a flat fee per engagement, or a percentage of assets under advice. This means when I recommend a direct mutual fund over a regular plan, I earn nothing from the AMC. The saving on expense ratio goes entirely to you.

Qualifications & registrations

The credentials behind the advice

Let's talk about your money

Free 30-minute call. No pitch. Just your questions and honest answers.

mywealth.fit is operated by Sutanu Bhowmick. SEBI RIA registration is currently in process. Until registration is complete, this platform provides educational financial information only and does not constitute personalised investment advice. All investment decisions should be made in consultation with a qualified adviser considering your specific situation.