Holding period, fund category, regime, redemption timing. The right structure quietly compounds over a decade—without taking more risk
/ 03
Tax
Effeciency
A portfolio you can't sleep through is one you'll exit at the worst time. We size risk to what you can actually hold through a downturn
/ 04
Risk
Management
Build. Direct. Preserve. Protect.
Philosophy
/ 02
Goal
mapping
Retirement at 55. Child's college in 2034. A house in seven years. Each goal has its own runway and risk profile. We tag every rupee to its purpose
The split between equity, debt, and Other Assets drives most of your long-term returns. We get this right first. Everything else is detail
/ 01
Asset Allocation
Allocation set. Assets locked. Done in weeks, not months.
/ 03
Effecient
Execution
Quarterly check-ins. Annual review. Reblanace if required
/ 04
Compound
Don't Fiddle
Boring on purpose. Effective by design.
Process
Goals, runway, risk, tax position, life decisions on the horizon. We narrow it.
/ 02
Find your
few
Free, no pitch. We listen, you talk. We come back with what looks 20%.
/ 01
Discovery
call
Our services
Offerings
Build the engine. From your first SIP to your retirement corpus
— we plan, execute, and review the portfolio that compounds your money over decades
— Goal-based portfolio construction
— SIP planning & lump-sum deployment
— Asset allocation across equity, debt, gold
— Quarterly rebalancing, annual review
Every rupee saved in tax compounds. We map your investments to deductions, harvest gains efficiently, and pick the regime that actually fits
— 80C, 80D, 80CCD optimization
— LTCG harvesting (₹1.25L threshold)
— Old vs new regime analysis
— Year-end review before March 31
Protection, not investment. We advise only on pure protection products
— Sized to your dependents and liabilities, never bundled, never ornamental.
— Term life cover (sized to real need)
— Health & critical illness
— Family floater & personal accident
— Annual review against life events
Wealth doesn't transfer itself. Most family wealth is lost not to markets, but to a missing nominee or a stale will. We get the paperwork right while it still matters
— Nominee updates across all assets
— Will drafting & registration support
— Joint holding & succession structures
— EPF, PPF, insurance beneficiary tracking
WHo We ARE
Pawan Parkash Gupta
Pawan Parkash Gupta has guided families through four decades of market evolution and every major cycle since India’s mutual fund industry began. Having earned the trust of over 1,000 families across three generations, he has built one the most enduring wealth advisory practices through a rare combination of integrity, discipline, and deeply personal relationships. For many clients, he is not merely an advisor, but a trusted confidant in their most important financial decisions.
Where experience meets wisdom, he helps families align investments with their goals, life stages, and risk profiles while instilling the behavioral discipline required to remain steadfast through volatility and avoid costly mistakes. Where others manage money, he helps preserve and strengthen legacies across generations.
Founder
Vidisha Gupta
Partner
Vidisha Gupta’s journey spans economics, capital markets, and global finance. From early training at the Bombay Stock Exchange to equity research at Barclays, investment banking at Goldman Sachs, strategy consulting at Bain & Company, and an MBA from ISB, she brings a rare blend of analytical rigor and strategic perspective. Selected as one of only 50 women nationwide for the CFA Institute’s Young Women in Investment Programme, she combines institutional expertise with thoughtful, client-centered advisory.
Where insight meets empathy, Vidisha helps families translate complex financial decisions into clear, enduring strategies for multi-generational wealth stewardship.
Anshul Kukreti
partner
Anshul brings a unique combination of strategic consulting and valuation expertise to the firm. With experience at Bain & Company and Kroll (formerly Duff & Phelps) across Mumbai and New York, he has advised on corporate strategy, private equity valuations, and complex financial analysis. His work spans investments, insurance, and risk, adding an institutional lens to the firm’s capabilities.
He focuses on bringing structured thinking and analytical depth to important financial decisions. By translating sophisticated financial concepts into practical insights, Anshul helps strengthen the strategic foundation behind long-term wealth planning.
Client Stories
The human side of wealth creation.
V. Rae, IAS (Retd.), Former Petroleum Secretary, Delhi
Pawan ji has walked us through every cycle with patience, timely counsel that helped us when it mattered. Our experience with Vidisha has been nothing short of exceptional, and we're happy to have them by our side for the journey ahead.
R.S. Bhatia, Delhi
Every time I've gotten excited about the latest hot investment, Parefo has talked me out of it. And looking back, I'm grateful for every one of those conversations. The answer has been "No, here's why" far more often than "Yes, let's do it" and that's exactly what I want from an advisor. Unbiased advice and integrity are two things I value the most.
R. Prasad, London
My father and I have trusted Parefo for over two decades. Their advice has helped us build real wealth and reach the goals that mattered most. Most importantly, they have been a call away at every step of the journey.
Refine Your 20%
Get in Touch
Office
Empowering Your Wealth
IA Block, Ashok Vihar
New Delhi, 110052
Parefo is a brand name of Vidisha Gupta, an AMFI-registered mutual fund distributor (ARN: 350266) and an IRDAI-licensed insurance advisor.
For over 40 years, we've helped families across India invest in mutual funds and choose suitable insurance solutions with discipline, transparency, and a long-term view.
The content on this website is for educational and informational purposes only and does not constitute investment advice, financial planning, or a solicitation to buy or sell any mutual fund scheme or insurance product. We act as a distributor of mutual fund products and earn commissions from the respective Asset Management Companies (AMCs) for the schemes distributed. Investors do not pay any additional cost beyond the scheme's Total Expense Ratio (TER).
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing. Past performance is not indicative of future results.
Insurance is the subject matter of solicitation. For complete details on risk factors, terms, and conditions, please read the policy document carefully before concluding a sale.
Email Us
parefowealth@gmail.com
Call Us
+91 8800334378