Products
Mutual Funds
Mutual funds are pooled investment vehicles which invest funds in assets as per their investment objectives. They are regulated by SEBI and can meet the needs of each and every investor. Mutual funds invest in equity shares, fixed income securities, gold, silver as well as a mix of all these assets.
A fund relevant for you
There are many mutual fund schemes investing in different assets. What is relevant for you depends on your investment objective and your ability and willingness to absorb the risk of the investment. We will understand your requirements and then recommend suitable schemes
The benefits of choosing mutual funds are:
- Well defined investment objective
- Diversified portfolio which reduces risk
- Guaranteed liquidity within two business days
- Large choice of schemes
Types of mutual funds
Equity Schemes
These schemes invest in equity shares of companies. There are large cap, mid cap and small cap schemes which invest in different companies. Some schemes invest in a mix of all such companies
Debt Schemes
Debt schemes invest in fixed income securities issued by the Government, Banks and other companies. They invest in short and long term securities. They offer good liquidity compared to other fixed income investments
Multi Asset Schemes
These schemes invest in multiple assets. They may provide steady returns at lower volatility. They are suitable for most investors who should have these in your portfolio.
Hybrid Schemes
Hybrid schemes are appropriate for risk averse investors. They provide an upside from equities but also have the cushion of debt investments. Check with us to determine the right scheme for you from amongst the conservative and aggressive hybrid schemes.
Fixed Deposits
Fixed Deposits are appropriate for investors looking for a steady return with a
return of their Principal. Many Banks and companies accept funds as fixed
deposits. Diversify your funds amongst different companies. We will help you
select and invest in these companies.
While the interest rate is certain and so is the amount to be paid at maturity, this does not mean that both these events are certain. A constant monitoring of these investments is required to ensure that investment objectives are achieved.
Follow these steps for a worry free expereince
- Invest in Fixed Deposits after reviewing their credit rating
- Diversify investments into multiple fixed deposits
- Consider the interest rate environment while choosing the duration of the fixed deposit
- Monitor the health of these companies frequently.
- Click here for the currently available Fixed Deposits and their interest rates.
Bonds & Debentures
Bonds and Debentures are similar to fixed deposits. It may be possible to sell them on the stock market subject to liquidity. They will also be in your demat account. The same rules that apply to fixed deposits also apply to bonds and debentures. You can invest in the fresh issue of these securities or buy the same on the stock exchange or even privately.
Click here to determine the list of bonds available at present.
Insurance
Insurance plays an important role in reducing expenses due to risks of illness, accidents to us or our assets. Life insurance cover should be adequate to help the family maintain their standard of living. Health insurance should cover the ever rising costs of hospitalisation and surgery far off in the future. Motor, home and other insurance should cover us from losses due to accidents or fire to our home and vehicles.
Portfolio Management Services (PMS) & Alternative Investment Funds (AIFs)
PMS and AIFs offer exposure to different asset classes as well as to different investment strategies in equities or fixed income. They can play an important role in increasing return as well as optimising risk. We offer both products to clients.
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