No. Based on your goals, our models suggest a personalised equity/debt % mix for you. However, you still have some control. You can choose to change that mix if you wish to be more aggressive or conservative. Within the equity and debt allocations, we do the stock or fund selection. We have our own model portfolios (for equity and debt) which have been built over the years with careful analysis at our end. Think about it. It’s a waste of your time to try and figure out which stock to buy more of, which stock to sell, how to take out money, and so on. We’ll take care of that for you.