The hardest part of investing is staying invested.That’s where we come in.
VMF Investments is run by Edwin, an AMFI-registered mutual fund distributor based in Goa. We help families in India and NRIs abroad choose mutual funds that fit their goals, and life and health cover that protects them. After you invest, we stay with you through the ups and downs and review your investments with you.
What are you working towards?
Pick one, and we’ll show you where to start.
Each one opens a short, free tool, or a call with us. Nothing you enter is saved.
What VMF Investments does
Grow your money
Mutual funds chosen for your goal, your time frame and the risk you can afford to take. We start small, and we stay with you through the bad months.
How we choose fundsProtect your family
Life and health insurance, so one hospital bill doesn’t undo years of saving. Edwin is a certified insurance distributor.
About insuranceWhat you can count on
Six promises we keep with every client, whatever the amount.
We tell you how we’re paid
The fund house pays us a small yearly commission, and we explain it before you invest a rupee. It stops the day you exit.
Your goal comes first
We start with what the money is for and when you’ll need it. The funds come after that.
Straight answers, no sales pitch
Markets go up and down, so we’ll never promise you returns. We’ll tell you plainly what the risks are, and give you all the time you need to decide.
No surprises when markets dip
Before you invest, we show you how your money could behave in a bad year, so a fall doesn’t catch you off guard.
Your decision, always
Want to stop or switch? We’ll talk it through with you, then help you do what you decide.
If it’s not our area, we’ll say so
Need help with something we don’t do, like tax? We’ll tell you straight away and point you to the right professional.
Start with your own numbers
Free tools for real money decisions. No sign-up, and nothing you enter is saved.
Your money never sits with us
It’s invested directly with the fund house. Your units are independently recorded by a SEBI-registered registrar or depository, and you get your own login to see your holdings anytime. Our role is to recommend and guide.
We’re paid the way every AMFI-registered distributor is paid. The fund house pays us a small yearly commission, usually about 0.5 to 1% of what you have invested, out of the fund’s own yearly costs. The fund house sets that rate, not us, and it stops the moment you exit.
Who we are
We’re based in Calangute, Goa, and work with families across India and NRIs abroad. When markets are volatile, you speak with someone who already knows you and your goals.
Led by Edwin Sebastian Fernandes · NISM-Series-V-A (Mutual Fund Distributors) · IC-38 (life and health insurance) · BBA, Goa University
Let’s talk
No pressure, no obligation, just a conversation about where you’re starting from.