12 SIP days · 1 review day
The other 352 days are yours.
Tell Boring what you're saving for and by when. It works out the monthly SIP the goal needs, splits it across five funds with long track records, and debits it on the same date every month. Once a year you spend twenty minutes checking it still fits your life.
Received
You're on the list.
We'll write when there's a place for you. Nothing to do until then.
If you'd like to help: roughly how much do you invest each month?
Thanks.
Your year with Boring
352 days off
| 05 Oct | SIP, automatic · ₹45,000 | You: nothing |
| 05 Nov | SIP, automatic · ₹45,000 | You: nothing |
| 14 Mar | Annual review | You: 20 minutes |
Sample entries, not an account. On most dates, the last column reads the same.
Your number
What your goal needs each month.
₹40 lakh for a college fund, ₹1 crore to retire early, your number.
One question
Imagine your ₹10 lakh investment temporarily falls to ₹8 lakh during a bad market year. What would you most likely do?
Monthly SIP
₹—
Money you need within three years sits mostly in debt funds in the portfolio we offer, so the range is narrow and modest.
The expensive year
What one skipped year costs.
Every crash has a week when stopping the SIP feels like the sensible thing. Put in your numbers and see what that week turns into by the time your goal arrives.
The gap
₹—
How it works
Three steps, then twelve debits a year.
Name the goal.
An amount and a year, like ₹40 lakh by 2038. Then one question about how you'd take a bad year.
See what it takes.
Boring shows the monthly amount the goal needs and the portfolio we offer for it: five funds from two fund houses, each with more than ten years of history, weighted by how far away the goal is. You see why each fund is there, its riskometer, its costs including our share, and the scheme documents. You pick the amount.
Open it. Read one word. Close it.
The SIP goes out on the date you choose, say the 5th, a few days after salary. Home tells you one thing: On track, Slightly behind or Action required, and the date of your next debit. We write only when something needs you: a failed SIP, a mandate problem, a goal slipping behind, or the yearly review.
A person places every order on BSE StAR MF, under our ARN. Your money goes from your bank to the fund house and never passes through us.
No push notification will ever tell you the Nifty fell 2%. You'll hear about it at lunch anyway.
Next to a life cycle fund
Or you could buy a life cycle fund.
SEBI created life cycle funds this year: one fund with a target year that moves from equity toward debt on its own. If you want one fund and no app, it's a sound choice. Here's how the two differ.
| Question | A life cycle fund | Boring |
|---|---|---|
| What you pick | A target year, in five-year steps | Your own amount and year |
| How much to invest | You work it out | Worked out from your goal; you choose the amount |
| Am I on track? | Not the fund's job | On track, Slightly behind or Action required, on Home |
| Moving toward safer assets | The whole corpus, inside the fund, with no tax to pay on the shift | Where new money goes, as the goal nears |
| History | A new category; the first funds launched in 2026 | Five funds, each with more than ten years of history |
| Leaving early | Exit load of 3%, 2% and 1% over the first three years | Up to 2% in the first year, then nil |
| Fund houses | One | Two |
Life cycle funds as set out in SEBI's circular of 26 February 2026. Exit loads vary by scheme; read each scheme's documents. As of September 2026.
How we get paid
One commission, paid by the fund house.
You invest in the regular plans of the funds we offer. The fund house pays us a trail commission from the scheme's expense ratio, about ₹600 a year for every ₹1 lakh you hold, and only while you stay invested. You pay us no fee. It pays for the plan, the monthly debit, and a person who writes when a SIP fails or a goal slips.
Regular plans have a higher expense ratio than direct plans of the same schemes, because they include distribution commission. The funds we offer average about 1.2% a year in their regular plans, as of September 2026. The order form shows each fund's current figure before you invest.
Questions
Fair questions.
Who holds my money?
The fund houses. Units are issued in your name, and money moves from your bank to the fund house through BSE. We never hold it. You'll need to be KYC-compliant, as anywhere.
Why does a person place the orders?
We're new and would rather be careful than fast. Each order is a request that a person places on BSE StAR MF, and you can see its status in the app.
Can I choose the funds?
You see all five, and why each is there, before you invest a rupee. You can't swap them. None is included, or weighted higher, because it pays us more.
Where's my data?
Stored in India. Never shared, never sold, and no ads.
Waitlist
Get a place when it opens.
Boring isn't open to investors yet. Leave your email and we'll write when there's a place for you.
Received
You're on the list.
We'll write when there's a place for you. Nothing to do until then.
If you'd like to help: roughly how much do you invest each month?
Thanks.