Built for irregular income. Built for merchant navy life.
We help mariners choose the right mutual fund investments — around contract cycles, sea-time tax residency, and the years at sea most advisors have never navigated themselves.
First contract → Mid-career → Command → Retirement corpus
We’ve stood the watch. We know the drill.
ChartMyFunds was built by a merchant navy captain who spent years fielding the same question from crewmates: “what do I actually do with this money between contracts?” Generic advisors don’t know what a sign-off gap does to a SIP, or why your tax residency depends on how many days you spent at sea last year. We do — because we’ve lived it.
That sea-time understanding is only half the equation. As an AMFI-registered distributor working on the Centracity platform, we pair it with real access to research, fund analytics, and portfolio tools built for serious investing. One side knows mariners. The other knows the markets. Together, that gives us the context and tools to help seafarers make more informed mutual-fund investment decisions.
What mariners need to know about their money
Investment Options
Mutual funds, AIF, PMS and more — understanding the options and how they differ for contract-based income.
Explore →Understanding Insurance
Term and health cover for mariners — and understanding how insurance products such as ULIPs differ.
Explore →Retirement Planning
Building a corpus without a monthly salary — planned around sign-offs, not against them.
Explore →Learn the Terms
A plain-English glossary of the concepts that show up in every conversation about your money.
Explore →Notes on money, written for life at sea
SIPs during sign-off vs. during contract
Why the timing of your contributions matters more than most mariners realise.
Life at SeaThe real cost of advice from people you trust
Colleagues, WhatsApp forwards, a call right after sign-off — why informal advice costs more than it looks like.
Our StoryWhat Mr X’s car EMI could have been worth
₹3 lakh became ~₹25 lakh by doing nothing at all — one mariner’s car loan, revisited.
Ready to chart your course?
A short conversation is all it takes to understand where you stand — and what your money could be doing for you between contracts.