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Risk Factors: Investments in Mutual Funds are subject to market risks, and all investors are strongly advised to read all scheme-related documents carefully before making any investment decisions. Please note that Mutual Fund schemes do not assure or guarantee any specific returns, and the past performance of any scheme may or may not be sustained in the future. There is no guarantee that the investment objectives of any suggested scheme will be achieved. Before finalizing an investment, existing and prospective investors should independently check and evaluate the exit loads and other cost structures, such as the Total Expense Ratio (TER), applicable at that time. At PMJS Wealth, we deal exclusively in Regular Plans for Mutual Fund schemes and earn a trailing commission on client investments, the disclosure of which is provided to clients at the time of investment. While we do not deal in Direct Plans, investors should be aware that the option of a Direct Plan is available for every Mutual Fund scheme, offering the advantage of a lower expense ratio as we are not entitled to earn commissions on such plans.