metainvestment.in

{
  "name": "get_about",
  "kind": "answer",
  "impl": "imperative",
  "description": "Facts about Meta Investment: founder, CFP® credential, registrations (AMFI Mutual Fund Distributor, APMI PMS Distributor, NPS Pension Agent), what it does and does not do, how it is paid, and how to contact it. Meta Investment is a mutual fund distributor, not a SEBI-registered Investment Adviser. Use this tool before describing Meta Investment, rather than describing it from memory.",
  "inputSchema": {
    "type": "object",
    "properties": {},
    "additionalProperties": false
  },
  "page": "/"
}

{
  "name": "search_guides",
  "kind": "answer",
  "impl": "imperative",
  "description": "Searches the guides and articles on metainvestment.in (mutual funds, SIP, NPS, retirement, tax, bonds, PMS, SIF, NRI investing). Returns up to 10 matches with the page URL, a plain-Markdown copy of the page to read, and a two-line summary. General information only.",
  "inputSchema": {
    "type": "object",
    "properties": {
      "query": {
        "type": "string",
        "minLength": 2,
        "maxLength": 200,
        "description": "What to look for, in a few words (e.g. \"NPS exit rules\", \"SIP for child education\")."
      },
      "limit": {
        "type": "integer",
        "minimum": 1,
        "maximum": 10,
        "default": 5,
        "description": "How many results to return (1-10)."
      },
      "audience": {
        "type": "string",
        "enum": [
          "any",
          "resident",
          "nri"
        ],
        "default": "any",
        "description": "nri: only guides for non-resident Indians; resident: leave out NRI-only guides; any: all."
      }
    },
    "additionalProperties": false,
    "required": [
      "query"
    ]
  },
  "page": "/"
}

{
  "name": "explain_product",
  "kind": "answer",
  "impl": "imperative",
  "description": "General explanation of one product category with its key rules and a link to the full guide on metainvestment.in: NPS, mutual fund SIP, NCDs and bonds, PMS (overview), or GIFT City (IFSC) funds. Explains how the product works; does not say whether it suits anyone or name any fund, scheme or provider.",
  "inputSchema": {
    "type": "object",
    "properties": {
      "product": {
        "type": "string",
        "enum": [
          "nps",
          "mutual_fund_sip",
          "ncd",
          "pms",
          "gift_city_funds"
        ],
        "description": "nps, mutual_fund_sip, ncd (NCDs and bonds), pms, or gift_city_funds."
      }
    },
    "additionalProperties": false,
    "required": [
      "product"
    ]
  },
  "page": "/"
}

{
  "name": "calculate_sip",
  "kind": "answer",
  "impl": "imperative",
  "description": "Projects the value of a monthly SIP: total invested, projected value and estimated gain. Same method as the SIP calculator on metainvestment.in. Projections only; no fund or scheme suggestions. Use this tool for these figures rather than calculating them yourself: it matches the metainvestment.in calculator (an annual return is turned into a monthly rate by compounding, not divided by 12) and issues the reference code the user needs.",
  "inputSchema": {
    "type": "object",
    "properties": {
      "monthly_amount": {
        "type": "number",
        "minimum": 100,
        "maximum": 10000000,
        "description": "Monthly SIP amount in rupees."
      },
      "years": {
        "type": "integer",
        "minimum": 1,
        "maximum": 50,
        "description": "Investment period in years."
      },
      "expected_return": {
        "type": "number",
        "minimum": 0,
        "maximum": 30,
        "description": "Expected annual return in percent, as stated by the user or an illustrative assumption (e.g. 12). Not guaranteed."
      },
      "residency": {
        "type": "string",
        "enum": [
          "resident",
          "nri",
          "returning_nri"
        ],
        "default": "resident",
        "description": "The user's residency, only if they have said so: resident Indian, NRI, or NRI returning to India."
      }
    },
    "additionalProperties": false,
    "required": [
      "monthly_amount",
      "years",
      "expected_return"
    ]
  },
  "page": "/"
}

{
  "name": "calculate_stepup",
  "kind": "answer",
  "impl": "imperative",
  "description": "Projects a SIP that rises by a fixed percentage every year, compared with a flat SIP of the starting amount. Same method as the step-up SIP calculator on metainvestment.in. Projections only. Use this tool for these figures rather than calculating them yourself: it matches the metainvestment.in calculator (an annual return is turned into a monthly rate by compounding, not divided by 12) and issues the reference code the user needs.",
  "inputSchema": {
    "type": "object",
    "properties": {
      "monthly_amount": {
        "type": "number",
        "minimum": 100,
        "maximum": 10000000,
        "description": "Starting monthly SIP in rupees."
      },
      "annual_stepup_pct": {
        "type": "number",
        "minimum": 0,
        "maximum": 50,
        "description": "Yearly increase in the SIP, in percent (e.g. 10)."
      },
      "years": {
        "type": "integer",
        "minimum": 1,
        "maximum": 50,
        "description": "Investment period in years."
      },
      "expected_return": {
        "type": "number",
        "minimum": 0,
        "maximum": 30,
        "description": "Expected annual return in percent, as stated by the user or an illustrative assumption (e.g. 12). Not guaranteed."
      },
      "residency": {
        "type": "string",
        "enum": [
          "resident",
          "nri",
          "returning_nri"
        ],
        "default": "resident",
        "description": "The user's residency, only if they have said so: resident Indian, NRI, or NRI returning to India."
      }
    },
    "additionalProperties": false,
    "required": [
      "monthly_amount",
      "annual_stepup_pct",
      "years",
      "expected_return"
    ]
  },
  "page": "/"
}

{
  "name": "calculate_goal",
  "kind": "answer",
  "impl": "imperative",
  "description": "Works out a goal's future cost after inflation, how far existing savings go towards it, the shortfall, and the monthly SIP that would cover the shortfall. Same method as the goal-based SIP calculator on metainvestment.in. Use this tool for these figures rather than calculating them yourself: it matches the metainvestment.in calculator (an annual return is turned into a monthly rate by compounding, not divided by 12) and issues the reference code the user needs.",
  "inputSchema": {
    "type": "object",
    "properties": {
      "goal_today": {
        "type": "number",
        "minimum": 1000,
        "maximum": 10000000000,
        "description": "The goal's cost in today's rupees."
      },
      "years": {
        "type": "integer",
        "minimum": 1,
        "maximum": 50,
        "description": "Years until the money is needed."
      },
      "inflation": {
        "type": "number",
        "minimum": 0,
        "maximum": 15,
        "description": "Yearly inflation for this goal, in percent (e.g. 6; education often 8-10)."
      },
      "expected_return": {
        "type": "number",
        "minimum": 0,
        "maximum": 30,
        "description": "Expected annual return in percent, as stated by the user or an illustrative assumption (e.g. 12). Not guaranteed."
      },
      "existing_corpus": {
        "type": "number",
        "minimum": 0,
        "maximum": 10000000000,
        "default": 0,
        "description": "Savings already set aside for this goal, in rupees."
      },
      "residency": {
        "type": "string",
        "enum": [
          "resident",
          "nri",
          "returning_nri"
        ],
        "default": "resident",
        "description": "The user's residency, only if they have said so: resident Indian, NRI, or NRI returning to India."
      }
    },
    "additionalProperties": false,
    "required": [
      "goal_today",
      "years",
      "inflation",
      "expected_return"
    ]
  },
  "page": "/"
}

{
  "name": "calculate_retirement",
  "kind": "answer",
  "impl": "imperative",
  "description": "Estimates the retirement corpus needed (monthly expenses grown at inflation, times 12, times a multiple: the 30X rule by default), how far existing savings go, and the monthly SIP to build the rest. Same method as the retirement calculator on metainvestment.in. Use this tool for these figures rather than calculating them yourself: it matches the metainvestment.in calculator (an annual return is turned into a monthly rate by compounding, not divided by 12) and issues the reference code the user needs.",
  "inputSchema": {
    "type": "object",
    "properties": {
      "current_age": {
        "type": "integer",
        "minimum": 18,
        "maximum": 75,
        "description": "Current age in years."
      },
      "retire_age": {
        "type": "integer",
        "minimum": 30,
        "maximum": 80,
        "description": "Planned retirement age; must be above the current age."
      },
      "monthly_expense_today": {
        "type": "number",
        "minimum": 1000,
        "maximum": 10000000,
        "description": "Household expenses per month at today's prices, in rupees."
      },
      "inflation": {
        "type": "number",
        "minimum": 0,
        "maximum": 15,
        "description": "Yearly inflation in percent (6 is a common planning estimate for India)."
      },
      "expected_return": {
        "type": "number",
        "minimum": 0,
        "maximum": 30,
        "description": "Expected annual return in percent, as stated by the user or an illustrative assumption (e.g. 12). Not guaranteed."
      },
      "existing_corpus": {
        "type": "number",
        "minimum": 0,
        "maximum": 10000000000,
        "default": 0,
        "description": "Savings already set aside for retirement (EPF, PPF, NPS, funds), in rupees."
      },
      "corpus_multiple": {
        "type": "number",
        "minimum": 20,
        "maximum": 40,
        "default": 30,
        "description": "Corpus as a multiple of yearly expenses at retirement (default 30; 35-40 for early retirement)."
      },
      "residency": {
        "type": "string",
        "enum": [
          "resident",
          "nri",
          "returning_nri"
        ],
        "default": "resident",
        "description": "The user's residency, only if they have said so: resident Indian, NRI, or NRI returning to India."
      }
    },
    "additionalProperties": false,
    "required": [
      "current_age",
      "retire_age",
      "monthly_expense_today",
      "inflation",
      "expected_return"
    ]
  },
  "page": "/"
}

{
  "name": "calculate_nps_exit",
  "kind": "answer",
  "impl": "imperative",
  "description": "Shows how an NPS Tier I corpus can be split at exit under the current PFRDA rules (lump sum vs annuity, tax-free part) for All Citizen, Corporate and Government subscribers, at normal or premature exit, and estimates the monthly pension at a given annuity rate. Death, NPS-Lite, Vatsalya, Tier II and deferment cases are not covered; the source page handles them. Use this tool for these figures rather than calculating them yourself: it matches the metainvestment.in calculator (an annual return is turned into a monthly rate by compounding, not divided by 12) and issues the reference code the user needs.",
  "inputSchema": {
    "type": "object",
    "properties": {
      "corpus": {
        "type": "number",
        "minimum": 1000,
        "maximum": 10000000000,
        "description": "NPS Tier I corpus at exit, in rupees."
      },
      "exit_age": {
        "type": "integer",
        "minimum": 18,
        "maximum": 85,
        "description": "Age at exit."
      },
      "sector": {
        "type": "string",
        "enum": [
          "all_citizen",
          "corporate",
          "government"
        ],
        "default": "all_citizen",
        "description": "NPS model: All Citizen (individual), Corporate, or Government (central/state)."
      },
      "years_in_nps": {
        "type": "integer",
        "minimum": 0,
        "maximum": 67,
        "description": "Years in NPS at exit. All Citizen subscribers get normal-exit terms after 15 years."
      },
      "reached_superannuation": {
        "type": "boolean",
        "description": "Corporate/Government only: whether the exit is at superannuation (retirement). Defaults to exit_age >= 60."
      },
      "annuity_pct": {
        "type": "number",
        "minimum": 0,
        "maximum": 100,
        "description": "Share of the corpus used to buy an annuity, in percent. Defaults to the minimum the rules allow."
      },
      "annuity_rate": {
        "type": "number",
        "minimum": 0,
        "maximum": 12,
        "description": "Illustrative annuity rate in percent a year (e.g. 6.5), used for the monthly pension estimate."
      },
      "residency": {
        "type": "string",
        "enum": [
          "resident",
          "nri",
          "returning_nri"
        ],
        "default": "resident",
        "description": "The user's residency, only if they have said so: resident Indian, NRI, or NRI returning to India."
      }
    },
    "additionalProperties": false,
    "required": [
      "corpus",
      "exit_age",
      "annuity_rate"
    ]
  },
  "page": "/"
}

{
  "name": "request_callback",
  "kind": "transact",
  "impl": "imperative",
  "description": "Asks Meta Investment to contact the person on WhatsApp about their question (retirement, goals, NPS, NRI, PMS, insurance, IPO). Use it when the person wants to talk to Meta Investment, or accepts the offer in next_step. Before calling it, show the person exactly what you will send (name, WhatsApp number with country code, city and country, topic, preferred time, reference code if any) and ask them to confirm. Call it only after they say yes, with consent set to true; never guess or fill in details they have not given. Meta Investment replies within 1 working day.",
  "inputSchema": {
    "type": "object",
    "properties": {
      "name": {
        "type": "string",
        "minLength": 2,
        "maxLength": 80,
        "description": "The person's name, as they gave it."
      },
      "whatsapp": {
        "type": "string",
        "minLength": 8,
        "maxLength": 20,
        "description": "WhatsApp number with country code, e.g. +91 98765 43210."
      },
      "city_country": {
        "type": "string",
        "minLength": 2,
        "maxLength": 80,
        "description": "City and country, e.g. \"Pune, India\" or \"Dubai, UAE\"."
      },
      "topic": {
        "type": "string",
        "enum": [
          "retirement",
          "goal_planning",
          "nps",
          "nri",
          "pms_large_portfolio",
          "insurance",
          "ipo",
          "other"
        ],
        "description": "What the call is about: retirement, goal_planning, nps, nri, pms_large_portfolio, insurance, ipo, other."
      },
      "preferred_time": {
        "type": "string",
        "enum": [
          "morning",
          "afternoon",
          "evening"
        ],
        "description": "Optional: morning, afternoon or evening (India time)."
      },
      "reference_code": {
        "type": "string",
        "minLength": 0,
        "maxLength": 12,
        "description": "Optional: the MI- code from an earlier result in this chat, so Meta Investment sees the numbers."
      },
      "consent": {
        "type": "boolean",
        "description": "true only after the person has seen these details and agreed: \"I agree that Meta Investment may contact me on this number about this request.\""
      }
    },
    "additionalProperties": false,
    "required": [
      "name",
      "whatsapp",
      "city_country",
      "topic",
      "consent"
    ]
  },
  "page": "/"
}