Fund Selection Policy

Objective

This policy explains how Masego helps you choose mutual fund schemes objectively, so that fund selection stays transparent and aligned with your goals, never with commission.

Selection process

• Consistency of long-term performance against benchmark and peers
• Risk-adjusted returns and volatility
• Fund-house process and stability of the fund management team
• Expense ratio and portfolio quality
• Suitability to your stated goal and time horizon

Exclusion criteria

• Schemes with poor or inconsistent long-term track records
• Excessively concentrated or high-risk portfolios unsuited to the goal
• Funds with weak governance or frequent changes in mandate

Data sources

• AMC factsheets and scheme information documents
• AMFI and RTA (CAMS/KFintech) data
• Independent research and rating databases

Suitability mapping

Scheme choices are mapped to your goals, time horizon and comfort with risk, understood through our clarity conversations and the Masego 45-Day Financial Independence Roadmap.

Conflict of interest declaration

Fund selection is based solely on objective criteria and your suitability. It is never influenced by the commission payable by any AMC.