Wealth Creation

SIP (Systematic Investment Plans)

Systematic Investment Plans involve investing a fixed amount at regular intervals in mutual fund schemes. SIPs have, over time, become a widely used mode of investment among retail investors for long-term financial goals. The disciplined approach of periodic investing, coupled with rupee-cost averaging, allows investments to be made across different market conditions. Historically, longer investment horizons of 7–10 years or more have helped mitigate the impact of market volatility.

Strategic Allocation

Mutual Funds & Specialized Investment Funds (SIFs)

Investments are allocated across appropriate mutual fund schemes and Specialized Investment Funds (SIFs) after considering the investor’s financial goals, risk profile, and investment horizon. Asset allocation decisions also take into account prevailing market conditions and suitability norms.

Where applicable, investment options may include GIFT City–based fund structures for Non-Resident Indians (NRIs), subject to eligibility and regulatory provisions. 

Tax consideration

Tax-Efficient Investment Structuring

Investment selection may consider tax implications associated with Equity, Hybrid, and Fund of Fund (FOF) schemes. The taxation of Short-Term Capital Gains (STCG) and Long-Term Capital Gains (LTCG) is explained to enable investors to make informed decisions in line with prevailing tax laws.

Goal Focused Planning

Financial Goal Planning

Investment planning is undertaken with reference to defined financial goals such as retirement, children’s education and marriage, home purchase, long-term wealth accumulation, and contingency planning. Strategies are structured with appropriate time horizons and periodic investment approaches.

Portfolio Monitoring

Portfolio Review & Rebalancing

Mutual fund portfolios are reviewed periodically to assess alignment with stated financial goals, risk profile, and investment horizon. Rebalancing may be undertaken, where required, based on changes in market conditions or investor circumstances.

Risk Assessment

Risk Profiling & Tracking

Risk profiling is conducted to assess the investor’s ability and willingness to assume investment risk. Portfolio performance is tracked and shared through periodic reports to support transparency and ongoing review.