Mutual Funds

1. Free review of existing mutual fund portfolio.

   We review your existing mutual fund portfolio free of cost and suggest changes / modifications based on fund performance and suitability to your objectives & needs.

2. Selection of funds in line with financial goals.

   We ensure that we select funds in line with your financial objectives & goals. The funds are reviewed periodically and corrective action, if necessary, is taken with your consent.

3. Systematic Investment Plan (SIP)

   A Systematic Investment Plan or SIP is an investment vehicle through which investors can invest specific amounts of money in mutual funds. This is done periodically such as monthly, quarterly or annually. By planting small seeds of investment month after month, the investor can hope to gain the fruits of investment returns over a period of time. Investing through SIP is a disciplined approach that helps investors achieve their financial goals.

   Why invest in SIPs?

   • Ease of investment
   • Brings discipline into investments
   • Spreads out risk
   • Gives the flexibility to top-up
   • Benefits of investing through SIPs?
     • Lighter on the wallet
     • Makes market timing irrelevant
     • Enables rupee cost averaging
     • Benefits from power of compounding
     • Helps in goal planning

4. Systematic Transfer Plan (STP)

   Systematic Transfer Plan or STP is an investment plan that allows investors to invest a lump sum amount in a particular mutual fund and regularly transfer a specific amount into another fund.

   For instance, the investor can choose to transfer a pre-defined amount from a debt fund to an equity fund (or vice versa) on a regular basis.

   Advantages of investing through STP:

   Safety, Potential for higher returns, Enables Portfolio rebalance, Mitigates market risks

5. Systematic Withdrawal Plan (SWP)

   A Systematic Withdrawal Plan (SWP) is a facility offered by Mutual Fund, which allows an investor to periodically withdraw fixed money as per requirement instead of withdrawing it in one go. Withdrawals through SWP are subject to exit load and tax implications.

   Benefits of SWP

   • SWP helps you with systematic redemption of your invested money based on your liquidity need.
   • It allows you to have fixed income every month in your bank account.
   • It allows you to plan your goals through systematic withdrawals on periodic basis.
   • Systematic withdrawal plan is best suited for retired people which allows them to withdraw / or have fixed amount every month from their invested amount without withdrawing the entire investment amount.

   What kind of an investor should invest in SWP?

   Investor looking to fulfil monthly / quarterly cash flow requirements. This generally happens during the retirement phase or in case of liquidity crunch, wherein you intend to live off the accumulated corpus.

6. Lumpsum investments - Equity funds / Hybrid funds / Debt funds

   We help you select appropriate equity / hybrid / debt funds for your lumpsum investment keeping in mind the investment duration, your age profile & your risk taking ability

7. Tax saving plans

   ELSS or Equity Linked Savings Schemes are tax saving mutual funds, in which majority of the funds are invested in equity schemes. Under section 80C, one can avail tax benefit up to Rs.46,800 by investing up to Rs.1.5 lakhs per year in ELSS schemes. It has the lowest lock in period (3 Years) and the returns are higher than other tax-saving schemes so it is ideal to anyone who wishes to reduce income tax by investing in 80C tax-saving schemes and at the same time, to reap benefits in long term.