- FAQ
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About Cuber Capital
Cuber Capital is a Coimbatore-based financial planning and wealth management firm operating at international standards. We provide holistic, unbiased, fee-only advice across investments, insurance, retirement, property, ethical investing, lending, estate planning, and wealth preservation.
Yes. We operate in compliance with applicable regulations. Our advisors hold relevant certifications including CFP (Certified Financial Planner), NISM certifications, and other professional credentials. We are committed to transparency and regulatory compliance.
Our headquarters is in Coimbatore, India. We serve clients across India and internationally (including NRIs) through both in-person meetings and virtual consultations.
We are 100% independent. We are not tied to any bank, insurance company, mutual fund house, or real estate developer. This independence allows us to recommend the best products and strategies for you — not what a parent company wants us to sell.
Being fee-only means we do not earn commissions from any product (insurance, mutual funds, loans, etc.). You pay us directly for our advice. Being a fiduciary means we are legally and ethically bound to put your interests first — always. If we make a recommendation, it is because it is right for you, not because we get a kickback.
Working with an Advisor
Not everyone does. But if you feel uncertain about your financial future, have multiple competing goals (retirement, children’s education, buying a home), lack the time or expertise to manage your investments, or are going through a major life transition (marriage, divorce, inheritance, career change, retirement) — a professional advisor can provide clarity, discipline, and peace of mind.
Your first meeting with us is complimentary and no-obligation (60-90 minutes). We will:
Understand your current financial situation and goals
Answer any questions you have about our services and approach
Discuss how we can help you
Determine if we are a good fit to work together
There is no pressure. No sales pitch. Just an honest conversation.
We offer both standalone financial planning (a one-time or annual plan) and ongoing wealth management (continuous advice, investment management, and reviews). You choose the engagement model that fits your needs. Most clients prefer ongoing partnership, but we are happy to accommodate project-based planning.
We maintain a deliberately low client-to-advisor ratio. This allows us to be uniquely attentive to each client, provide personalized service, and build long-lasting relationships. You are not just a number or a portfolio — you are a partner.
Yes. We serve clients across India and internationally via video conferencing (Zoom, Google Meet, WhatsApp video). Our secure client portal also allows you to upload documents, link accounts, and track progress online. For local Coimbatore clients, in-person meetings at our office are always welcome.
Investment Management
As independent, fee-only fiduciaries, we have access to thousands of investment solutions across mutual funds, ETFs, direct stocks, bonds, PPF, EPF, NPS, gold, REITs, and more. We use a disciplined, research-driven process:
Determine your optimal asset allocation (equities, debt, gold, etc.)
Select low-cost, tax-efficient, high-quality instruments
Diversify across sectors, market caps, and geographies
Rebalance regularly to maintain targets
Monitor for fund manager changes, expense ratio hikes, or underperformance
We never recommend high-commission products or chase “hot tips.”
Our philosophy is simple: discipline, diversification, and long-term perspective. We do not try to time the market. We do not speculate. We build resilient, globally diversified portfolios designed to weather volatility while capturing long-term growth. We focus on what you can control — costs, taxes, asset allocation, and behavior — not what you cannot (market movements).
We do not promise specific returns. Historical data suggests a well-diversified portfolio of equities and debt may generate 8-12% long-term returns, but past performance does not guarantee future results. We focus on what we can control: keeping costs low, minimizing taxes, managing risk, and helping you stay disciplined. Our goal is to help you achieve your personal financial goals — not to beat an arbitrary benchmark.
We review your portfolio quarterly. We rebalance annually (or when any asset class drifts more than 5-10% from its target). Rebalancing ensures your portfolio does not become too risky (e.g., too much equity after a bull market) or too conservative (e.g., too much cash after a bear market).
Financial Planning
Our financial plans cover all aspects of your financial life:
Cash flow & budgeting
Investment planning (asset allocation, product selection)
Retirement planning (corpus calculation, withdrawal strategy)
Insurance & risk management (life, health, critical illness, disability)
Tax planning (Section 80C, 80D, 24, 54, etc.)
Education planning (children’s higher education, overseas studies)
Estate planning (will, trust, nominations)
Wealth preservation (asset protection, succession)
Your plan is customized to your unique goals, risk tolerance, and life stage.
Your financial plan is a living document. For most ongoing clients, we update the plan annually as part of our regular review process. However, we also update your plan whenever you experience a major life event: marriage, divorce, birth of a child, inheritance, job change, business sale, or nearing retirement.
Yes. We offer stand-alone financial planning for clients who want a comprehensive plan but prefer to manage their own investments (or already have a separate investment advisor). You pay a fixed fee for the plan, with no ongoing percentage-based fees.
It is never too late. Whether you are 25 or 55, we can help. For those closer to retirement, we focus on catching up (higher savings rates, strategic risk-taking) and transitioning your portfolio safely. We are honest about what is achievable — but we will always help you improve your situation.
Yes. We help estimate future education costs (accounting for 10-12% annual inflation in education fees), select tax-efficient savings vehicles (Sukanya Samriddhi, PPF, mutual funds, or overseas 529 plans for NRIs), and integrate education planning with your other goals (retirement, home, etc.).
You still have a question?
If you cannot find the answer to your question in our FAQ, please reach out. We are here to help.
