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Financial Advisors: Debunking Myths

In this blog, we will debunk a popular myth related to investment advisors. You will learn everything about Cube's financial advisors and the investment options currently being recommended on Cube Wealth by Cube's investment advisors.
September 23, 2021

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The investment advice offered by a financial advisor can be the difference between terrible losses and exceptional returns. 

However, hiring an experienced and trustworthy financial advisor,  based on their track record and legacy, is something people assume is only for the ultra-rich and elite. 

That is a popular myth. Retail investors don’t have to hire a financial advisor on their own. 

Yes, the services of a financial advisor do not come cheap but regular investors can access the same high-quality financial advice and investment options available to the ultra-rich using the Cube Wealth App.

Cube has partnered with expert financial advisors like Wealth First and the award-winning US, RIA Rick Holbrook who recommend handpicked investments for Cube users so that they can invest in top-performing assets, without breaking their bank on the advisory fee.

Disclaimer: The investment options and schemes listed in this blog are currently recommended by Cube's financial advisors and partners. To see the latest information download the Cube Wealth app. 

Mutual Funds Recommended By Wealth First

Wealth First, Cube's financial advisor for mutual funds, is an independent investment advisory firm that has over two decades of experience in the industry. 

  • Clients: 3000+
  • AUM: ₹7000+ crores

There are too many mutual fund scheme variations available to Indian investors. Wealth First solves this crucial problem by picking a handful of the best mutual funds out of a possible 17000+ schemes. 

Furthermore, Cube's risk analysis quiz ensures that you get access to curated mutual funds that work for you based on your unique investment requirements and risk profile.  

Experts from Wealth First perform complex research based on 12+ complex quantitative and qualitative parameters to curate the mutual funds on the Cube Wealth app. Some of these parameters include:

  • Consistency
  • Fund manager
  • Fund house
  • Risk

Wealth First has a track record of beating the NIFTY index by ~50% over the last decade. Here's are some of the best mutual funds recommended by Wealth First on the Cube Wealth app:

Mutual Fund Type

Mutual Fund Name

1-Year Returns

3-Year Returns

5-Year Returns

Minimum Investment Amount


Nippon India Liquid Fund






IDFC Dynamic Bond Fund






Mirae Asset Large Cap Fund






Axis Focused 25 Fund






Kotak Small Cap Fund






Franklin India Feeder - Franklin U.S. Opportunities Fund

49.34 %




Tax Saving

Mirae Asset Tax Saver Fund





Access Full List Now

US Equity Investments Under Advisory With RIA, Rick Holbrook

Cube makes it possible for investors to buy and sell US stocks from India with advice from Registered Investment Advisor (RIA) Rick Holbrook. 

RIA Rick Holbrook, Cube's financial advisor for US equities, has been in equity research, portfolio management, and financial planning for over 40 years. He currently manages ~$130 million for HNIs and families. 

Holbrook Global's investment strategy focuses on investing in US sectors, companies, and economic trends with a strong potential for the future. 

The best part is that Cube users can buy and sell US stocks for as low as $1 under advice from RIA Rick Holbrook. Buy US Stocks For $1


S&P 500











Historical growth of S&P 500 and USD

Let's move on to other investment options available on the Cube Wealth app. These options are a mix of advisory & non-advisory based investments. 

Low-Risk Investment Options On Cube Wealth Picked By Our Expert Investment Advisors

1. Liquid Funds

Liquid funds are low-risk mutual funds that invest in T-bills, commercial paper, government securities, bonds, etc. They are ideal for the short term or to create an emergency bucket because of:

  • High liquidity 
  • Predictable returns (4-6%)
  • Reasonable safety

Wealth First curates a list of the best liquid funds on the Cube Wealth app so that you can park money for emergencies in the short to medium term with solid returns. 

Invest In Best Liquid Funds

2. Digital Gold

Digital gold by Safegold on the Cube Wealth app negates the pitfalls of physical gold that include making charges, storage concerns, security issues, etc. Digital gold is a low-risk, low-reward option ideal for:

  • Diversification
  • Potential hedge against inflation
  • Decent long term returns

Cube's digital gold partner Safegold gives you the option to convert your digital gold investment into gold bars on order. Minting charges may apply. 

Download Cube To Know More

Medium-Risk Investment Options On Cube Wealth Picked By Our Expert Investment Advisors

1. Asset Leasing By GRIP

Asset leasing by GRIP on Cube Wealth allows you to become a co-investor in physical assets like furniture, vehicles, and equipment. These physical assets are leased to creditworthy organizations. 

Asset leasing by GRIP a non-market linked option that's suitable for investors who want:

  • Diversification
  • Lucrative post-tax returns (12% IRR)
  • Monthly recurring income
  • Tenure based options

Your GRIP investments in Cube are split across 10 different companies and sectors each time you invest. Explore GRIP On Cube Now

2. P2P Lending By Faircent

Peer to Peer (P2P) lending by Faircent on Cube Wealth allows you to become a lender who loans money to creditworthy and thoroughly vetted borrowers. It is also a non-market linked investment option. 

P2P lending by Faircent is suitable for investors who want:

  • Passive income (monthly)
  • Risk-based investment options
  • Solid returns (11-12%)
  • Scheme-wise lock-in period (6-12 months)

Explore P2P Lending Now

3. Consumer Loans Via Merchants By LiquiLoans

Consumer Loans via Merchants by LiquiLoans allows you to become a lender who loans money to high creditworthy individuals who want the flexibility of EMIs for healthcare and education purposes. 

It is suitable for investors who want:

  • Low minimum investment amount
  • Passive income (monthly)
  • Risk-based investment options
  • Solid returns (8.6-9.5%)
  • Scheme-wise lock-in period (0-36 months)

Invest Now

High-Risk Investment Options On Cube Wealth Picked By Our Expert Investment Advisors

1. Globals Stocks With RIA Rick Holbrook

You can invest in global stocks with advice from RIA Rick Holbrook for as low as $1 using the Cube Wealth app. This is suitable for investors who want:

  • Geographical diversification
  • Nest egg (in foreign currency)
  • Growth with foreign economies
  • Risk-based investment options

Buy Global Stocks For $1

2. Aggressive Mutual Funds

Wealth First, Cube's financial advisor for mutual funds, simplifies potentially high-risk, high-reward mutual funds by listing them under one simple category - Aggressive Mutual Funds. 

This category includes the likes of small-cap funds and certain mid-cap funds. Aggressive mutual funds are suitable for:

  • Aggressive investors
  • Diversification
  • Long term investment goals
  • Potentially high returns (12-17%)

Invest Now

How To Invest With Financial Advisor Recommendations In India? 

Here's what you can do to invest in investments recommended by Cube's financial advisors:

1. Download Cube Wealth

2. Complete KYC

3. Take the risk quiz

4. Get curated investment options

5. Start investing

Conversely, you can even consult a Cube Wealth Coach before investing.

Download Cube For Free to get the best financial advice in India. 

Watch this video to know more about Cube's financial advisors

Shriram Shekhar
Shriram is a Content Marketer at Cube Wealth, the Financial Freedom App with a smart Perfect Portfolio Planner. He has developed cutting edge IT products for over 2 years before turning to his passion for the written word. Shriram’s love for philosophy, product development, and empowering people through quality content is what got him to Cube Wealth.

Top 5 Reasons To Try Our Powerful Investment App!

Schedule a call based on your convenience. And get an expert to help you invest.

  • High Quality Mutual Funds
  • Top Notch Stock Advisory
  • Invest in U.S. Stocks
  • Alternative Investments
  • Low Minimum Investments
Try Cube’s Exclusive Wealth Concierge Service! We offer a 10-minute portfolio analysis and set up service to select users.

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