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What Is SIP ?
What Services We Offer?
Asset Allocation
Asset allocation is the process of spreading investments across different asset classes - such as stocks, bonds, real estate, gold, and cash-based on an individual’s goals, risk tolerance, and time horizon. It helps balance risk and return by diversifying the portfolio, as different assets perform differently under various market conditions. For example, bonds may offer stability when equities are volatile, while gold can act as a hedge during inflation.
There are three main strategies: strategic (fixed mix with rebalancing), tactical (temporary shifts for short-term gains), and dynamic (continuous adjustments based on changing circumstances). A well-planned allocation considers factors like age, income, financial goals, and risk appetite, making it a personalized approach to optimize returns and manage risk effectively.
Portfolio Review
Portfolio review is a regular check-in to evaluate the overall health and performance of your investments. We assess whether your current holdings are aligned with your financial goals, risk profile, and investment horizon - and identify if any adjustments are needed.
This review takes into account life events, market movements, and your changing priorities. It’s not just a numbers update - it’s a proactive conversation to keep your portfolio goal-oriented and adaptive, ensuring you're never investing on autopilot.
Tax Optimization
Mutual fund taxation in India depends on the fund type and holding period. Equity mutual funds (with ≥65% equity) attract 15% tax on short-term capital gains (holding <1 year) and 10% on long-term gains (holding ≥1 year) exceeding ₹1 lakh annually. Debt mutual funds, as per rules from April 1, 2023, are now taxed entirely as per the investor’s income tax slab, regardless of holding period - removing earlier long-term benefits like indexation. Hybrid funds are taxed based on their equity allocation.
Dividends from all mutual funds are taxable as per the investor’s income slab, with 10% TDS if total dividends exceed ₹5,000 in a financial year, making it important to factor dividend income into overall tax planning. Investors can also use tax-loss harvesting - offsetting capital gains with losses to reduce overall tax liability.
Corrective Measures
Corrective measures are timely interventions taken to address specific issues within your portfolio - such as underperforming funds or investments that no longer align with your evolving financial needs. If a fund consistently lags behind its peers or no longer fits your strategy due to changing market dynamics, we may recommend switching to a more suitable option within the same category.
This also includes reshuffling allocations in response to life stage changes - for example, moving from high-growth funds to more stable options as you near retirement. The goal is to keep your investments relevant, responsive, and on track with your evolving financial goals.
Succession Transfer
Succession transfer is the process of transferring mutual fund units from a deceased investor to their rightful heirs or nominees, ensuring the investment benefits the intended recipients without legal delays. If a nominee is registered, the transfer is straightforward upon submission of documents like the death certificate, nominee’s ID, and a transmission request form. If no nominee is appointed, legal heirs must provide a death certificate, succession or legal heir certificate, NOCs from other heirs (if needed), and a completed request form.
To ensure a smooth transfer, investors should register a nominee, keep personal details updated, inform family about their investments, and consider creating a Will - especially for larger portfolios. Succession planning is essential to ensure investments fulfill their intended purpose even after one’s lifetime.