Neither can 97% of mutual fund investors.
You wouldn't trust a stranger with your car.
Why trust one with your retirement?
AMCs get paid 2% whether you profit or crash. Fund managers get bonuses for growing AUM, not your returns. You want wealth. They want assets. When a fund manager oversees ₹10,000 crores across 40,000 investors, you're not a client. You're a decimal point.
Direct stock ownership. No intermediaries. Know exactly who's making decisions with your money—because you'll meet them. Face-to-face. Yashodhan and Atul. Not a rotating cast of anonymous managers.
Answer these 5 questions. Be honest—nobody's watching.
If you checked zero boxes, you're trusting a stranger with your retirement.
At Vimal & Sons, you can answer all 5 questions before investing ₹1.
Click any card below to discover why managed accounts work, what we refuse to do, and whether this is right for you.
Concrete beats abstract. Always.
Pop Quiz: How many times has your broker said "This stock has a great story"?
Now answer this: How many of those "great stories" actually made you money?
Stories are forecasts in disguise. When someone says:
Stories sound smart. They're exciting. They're impossible to verify. And when they're wrong, there's no accountability—"the story changed."
What we do instead:
We look at what the business EARNED. Not what it MIGHT earn. Not what management SAYS it will earn. What it actually earned.
Concrete example:
The key difference:
We're not smarter than other brokers. We're just more disciplined about avoiding abstractions. We look at the EARNINGS POWER of businesses over the LONG TERM.
When we're wrong:
Story investors: "Well, the story changed..." (no accountability)
Us: "The business earned less than we calculated. Here's the specific number we got wrong." (concrete accountability)
Experience isn't about predicting the future. It's about recognizing when someone's selling you a story.
30 years teaches you this: Companies that consistently earn 20%+ ROE for a decade don't need exciting stories. The numbers speak.
Companies with exciting stories but inconsistent earnings? Those need the story because the numbers don't work.
Is this sexy? No.
Does it require storytelling ability? No.
Does it work over 20+ year periods? Yes.
When markets crash and everyone's asking "what's going to happen?", we're asking different questions:
Concrete beats abstract. Always has. Always will.
So you get advice without conflicts
Pop Quiz: How much did your broker make from recommending that mutual fund?
You don't know? That's the point. They won't tell you.
Because the answer is: 1-2% upfront + 0.5-1% trail fees annually. On a ₹50 lakh investment, that's ₹50,000-1,00,000 immediately, plus ₹25,000-50,000 every year forever.
Most brokers make money selling mutual funds. Commissions, trail fees, kickbacks. It's lucrative. It's easy. It's how the industry works.
We don't sell mutual funds. We only recommend index funds when needed.
Why? Because we can't, in good conscience, collect commissions while telling you "Mutual Funds Sahi NAHI Hai."
Our Strategy Tax: We deliberately exclude the most profitable product in the brokerage business.
Your Strategy Credit: You get advice that isn't contaminated by commissions.
This isn't virtue signaling. It's operational integrity. We built our business on trust—Other People's Money demands nothing less.
The math is brutal: At 200 families with average ₹40 lakh portfolios, if we sold mutual funds with 1% trail fees, we'd earn ₹80 lakhs annually. Over 30 years? ₹20+ lakhs minimum. Gone.
But here's what we gained: You trust us. Because when we say managed accounts are better, you know we're not saying it to earn a commission. We're saying it because it's true.
Here's another strategy tax we pay: We refuse to tell exciting stories.
Other brokers pitch "the next big thing" or "this sector is hot." Those are stories. Stories sell.
But stories are forecasts, and forecasts are usually wrong. We look at earnings power over long periods. Boring? Yes. Accurate? Much more so.
Accountability requires a face
Let's be clear: We're not infallible.
We've picked stocks that tanked. We've missed opportunities that would've been home runs. We've been early (which, in investing, feels exactly like being wrong).
We've held positions too long. We've sold positions too soon. We've misread market cycles and company fundamentals.
But here's the difference between us and mutual funds:
When a mutual fund manager loses your money:
When we lose your money:
This isn't about being perfect. It's about being accountable.
Everyone makes mistakes in investing. Markets are complex, companies are unpredictable, and the future is uncertain. The question isn't "Will you make mistakes?" The question is: "When mistakes happen, who's accountable?"
With mutual funds: Nobody. The fund manager is anonymous, they're already getting paid, and they'll move on to the next fund.
With us: Yashodhan and Atul. You know their names. You have their number. They've been here since 1995, and they're not going anywhere.
The uncomfortable truth: We can't promise you'll never lose money. But we can promise that when it happens, we won't hide from you. We'll explain it. We'll own it. And we'll work to earn back your trust.
That's not marketing. That's integrity. That's Other People's Money.
Capacity constraints as competitive advantage
Most firms want maximum AUM. More assets = more fees. Simple math.
We cap at 200 families. When we're full, we stop. No exceptions.
Why would we deliberately limit our own growth?
Because at 201 families, we become the thing we're positioning against—a faceless operation where you're a number, not a name.
Here's what happens when boutique firms scale:
Our ₹50 lakh minimum isn't exclusivity theater.
It's simple math:
200 families × ₹50 lakhs average = ₹100 crore capacity
That's the scale we can manage while still knowing your name, your goals, your risk tolerance, and your behavior during crashes.
At ₹25 lakh minimums, we could manage 400 families. Double the revenue. Sounds great, right?
Except:
So we chose: Smaller scale, deeper relationships, better outcomes.
The reframe:
The ₹50 lakh minimum isn't to exclude you. It's to ensure we have capacity to actually KNOW you.
Because when markets crash and you're panicking at 2 AM, you need someone who knows your name, your situation, and your plan—not a call center.
This is making virtue out of necessity:
We're not a big firm with unlimited capacity. We're two people—Yashodhan and Atul—managing 200 families since 1995.
That limitation became our advantage. We turned "can't scale" into "won't scale because quality matters more than quantity."
If you're looking for a large, anonymous fund manager with unlimited capacity, we're not for you.
If you want Yashodhan and Atul to know your name, understand your goals, and call you during crashes—we have room for 200 families. Not 201.
Three questions to know if we're a fit
We're not for everyone. And that's by design. Here's who we work with:
Question 1: Can you commit ₹50 lakhs+ and a 5-year horizon?
We need scale to build proper portfolios. And we need time for our approach to compound. If you're looking for quick profits or have less capital, we're not a fit.
Why? Because wealth creation is a marathon, not a sprint. Our strategies require patience.
Question 2: Can you handle volatility without panicking?
Markets will crash. Headlines will scream. Your portfolio will show red. We'll call you. We'll explain. But YOU need the temperament to stay invested.
Why? The biggest returns come after the biggest crashes—but only if you don't sell. Institutional temperament matters.
Question 3: Do you value knowing who's managing your money?
If you're fine with faceless fund managers and anonymous decisions, stick with mutual funds. If you want to meet Yashodhan and Atul, ask questions, and know their names—we're a fit.
Why? Because trust requires a face. Other People's Money demands it.
Ideal client profile:
Not a fit if you:
Here's what happens next
Step 1: Schedule a meeting
You meet Yashodhan and Atul. Face-to-face (or video call if distance requires). No pressure. No sales pitch. Just honest conversation about your goals, our philosophy, and whether we're a fit.
What we discuss:
Step 2: You decide if you trust us
This is Other People's Money. You need to trust us before investing a single rupee. Ask questions. Challenge our thinking. Meet other clients if you want references. Take your time.
Step 3: Account opening (if we proceed)
Step 4: Portfolio construction
We don't deploy capital immediately. We build thoughtfully:
Ongoing relationship:
Requirements:
Minimum Investment: ₹50,00,000
Minimum Horizon: 5 Years
Referral: Preferred (but not mandatory)
Contact us:
Phone: 020 69024470/71/72/73
WhatsApp: 9673090599, 9673995599
Email: vimalandsons@gmail.com