Our team at RupeeInvest often ponder over this fundamental question. Why should an individual or a family go through a distributor. This is all the more relevant today as Investors can invest directly and save a part of their expense. Ease of investing online and saving part of expense is alluring. However, this Is just one part of the story. With over 2000 schemes in debt and equity category the choice of the scheme has to be correct. Going forward consistent monitoring of investments becomes extremely important. Add to this various servicing needs like change of bank, updating of address, email ID’s, statement of capital gains etc. Hence, a Mutual Fund Distributor may be indispensable. The moot point is “is engaging a distributor worth it ?” . Totally. We shall give you all the tools to enable financial literacy that can in turn enable even new investors to make informed decisions. Weather it is rebalancing of the portfolio with the changing market and political conditions and/or weeding out existing non performing schemes, our portfolio tracker will be a great enabler and empower you with DIY.
We have more than years of experience
In our close interaction with our family of over 6000 investors, this is what we figured out about “ the worth it” distributor. Investors are looking for ‘ Honest & prompt service”. All relevant information needs to be communicated. All risk parameters of the scheme ought to be in the investors domain. Fact sheets and Scheme “riskometers” need to be shared with the investors.
Financial planning is not taught ia most school text books. Besides, it is simple and easy to understand. Hence basic education needs to be imparted. Investors expect "hand holding" for a few months and consistent monitoring for years to come. RupeeInvest will give you enough links from various websites and youtube videos that enables you to take all important decisions on your own.
Investors expect distributors to know the importance of savings and investment in middle class families. Investors expect hard earned money to be safeguarded.
Investors have little or no idea about financial objectives/goals, retirement planning, long term compounding, inflation, risk or adjusted return. They expect the distributor to act as an enabler, Enable the investors to take important decisions. In monetary terms, good and prompt services, investment tracker and professional approach may be more relevant than cost savings by investing direct.
All information & risks is communicated. KID, SID, SAI and KIM are shared with investors.
Immediate and prompt actions as per the request of the investors.
Investors expect hard earned money to be regularly monitored. with 6000+ investors we understand the importance of reliability.
With over 16+ year experience. RupeeInvest provides great service experience.
We take pride in calling ourselves “Distributors to middle class Indians”. We take an extremely calibrated approach to investing. We will communicate all subjective & objective parameters and enable investors to choose a scheme or a product. RupeeInvest provide all relevant information that enables investors to take a calculated decisions on investing.
Higher the age, lower the risk and vice versa.
Generally higher the family income, higher the risk appetite. However, this is to be combined with certain other variables and looked at on a case to case basis.
PE , P/BV, and dividend yields are the variables help us decide in 'favour of' or 'against equity'
Political stability, geopolitics, international oil prices and domestic and international interest rates are given adequate weightage.
Years of Experience
Total Number of Clients
AUM
Award
Investor is communicated that results (returns) may come in 5-7 years. Hence, unpredictable outcome is made largely predictable by increasing the time horizon.
Investors are given all information on SIP and STP. This will bring down unpredictability.
Lastly investor can choose a product after factoring in his/her age, financial status, liabilities etc. Good example is a retired pensioner, leading a comfortable middle-class life. He may choose a “risk free (or negligible risk) product” with risk free returns of 8-9%. Hence, no unpredictable outcomes or unpleasant surprises.
We at RupeeInvest, will give all relevant information for “managing risk”. The “riskometer” in the fund fact sheet is a great tool and is often given in our official communication. We fully understand that investor likes information and wishes to protect downside.
Fatca, KYC compliance.
Age of investor, number of earning members, number of dependents and age of dependents etc.
Term of investment is decided and paperwork executed.
Mail the login id and passwords, Help to install the mobile app, Social media engagement, Encourage regular monitoring of investment.
Investors can monitor the portfolio anytime. We provide all looks to enable investors to take informed decisions.
Investors can choose to changes scheme(s) due non-performance or any other reason.
Investors can Monitor the investments and ensure if the investments are meeting his objectives. This is all done on DIY basis.
This calculator will help you to visualize the amount which you will get on a regular investment with expected rate of return
| Monthly Savings (Rs.) | |
|---|---|
| Investment period (in years) | |
| Expected rate of return (% p.a) | |
7 Investors
285 Investors
1200 Investors
3000 Investors
4400 Investors
6000+ Investors
Equity Mutual Funds are essentially vehicles which hold ‘shares’ (or part ownership) of various companies. Retail investors view mutual funds as a ‘black box’. This “black box” is viewed with lot of scepticism and negativity. A layman would think mutual funds has a price (NAV) that may go up and down. Mostly down. Fear of losing money will keep investors at bay. As a result, total head count of investors in the Indian Mutual Fund space is barely 2 Cr. A penetration of less than 2%.
Equity Mutual Funds (or Equity oriented Mutual Funds) are essentially vehicles which hold ‘Equity shares’ of various companies. As we know the ‘shares’ of these companies are listed (and traded) on various stock exchange, such as BSE or NSE. When you buy a unit of the mutual fund, the investors’ money is used to buy parts of these companies. The diagram on the right shows a Mutual Fund with the Top 10 listed companies. In India 80% of all equity mutual fund assets are spread across around 150 companies.
Mutual Funds tend to do well, if the companies they invest in do well. Performance of the mutual fund scheme is proportional to the growth in revenues and profits of the invested companies. Secondly, managers of the scheme, comprising, CIO, fund manager and analysts also play an important part. They decide what to buy, what to sell and when to buy and when to sell. How much to buy and how much to stay in cash etc. Lastly, macro-economic variables and sentiments also play a big part in share price movements and hence the performance of the fund.
Here’s the performance of some of the leading companies in India over the past decade. Hence, any equity fund owing these shares would have grown accordingly.
Indian economy is one of the fastest growing economies in the world, growing at close to 12% pa in nominal terms, and it is expected to grow at the same pace for years to come.The incremental growth in the economy in 2018 alone was equal to the size of the economy in 1996. This path of progress is here to stay.
If you want to create wealth, start by owning great companies through mutualfunds. Mutual Funds as a vehicle for you to own ‘shares’ of some exceptional companies has done an exceptional job in wealth creation. You do not need to bother about what to buy or what not to buy. Let the fund managers do their job and you (as investors) will monetarily benefit by investing and sitting tight.
New to the world of mutual funds? This is what we can do for you….
Risk Profiling : RupeeInvest, will enable you to access your risk appetite. This is the first step in choosing a scheme. At times retail investor has no realisation of his/her risk appetite. Let us illustrate: A working professional nearing 60, with no retirement planning feels that he has a high risk appetite. This thought process is a recipe for disaster. Another individual in the same age bracket with substantial alternate income (eg. Rental income etc) feels he is nearing retirement and has “zero” risk appetite. This too is factually incorrect. A hawkish look at an individual own risk appetite is the starting point in looking at investment products.
State of Equity markets and the Economy: These are 2 extremely relevant factors for any investments for 3-5 years. RupeeInvest will provide all relevant communication on this. RupeeInvest will communicate the 2 related pieces (economy and stock prices) so that the prospective investor can chose between debt or Equity on his own.
Tenure of investments. This variable will determine if an individual needs to invest in debt or equity. Investors may invest in high risk equity with risk mitigation tools like SIP or STP. Let us explain; An individual who has saved money for his daughters marriage next year, need not use the equity route. Investment can conveniently go in debt instruments and generate 2-3% higher return than FD. Another investor who is 35 and needs to plan a retirement corpus can easily invest in equity and take the SIP route.
Proactive monitoring of your investments: Once you have invested with RupeeInvest, we will give you access to a portfolio tracker and a mobile app. They shall enable you to take prompt actions at the click of a button.
We will assist you with your existing investments.
You may have already made some MF investments then this is what RupeeInvest can do for you :
We use the word “risk” very often, and have little idea as to what is Risk. Risk is defined as the possibility of losing something of value. Risk can also be defined as the intentional action that may lead to unpredictable results. Hence, when an individual (or an investor) exercises a choice or an action that may lead to “unpredictable and uncontrollable outcome” is called risk.
Now let us deliberate on what is risk in financial investments. More so, in equity or Equity mutual funds. We illustrate with an example. An investor, totally new to the word of investing, invests a lump sum amount in a small and mid-cap scheme. A year later he finds his investments down by 50%. Now when the investment decision was made a year earlier, it may have seemed a smart one. There may have been some convincing reasons why small and mid-caps will go up. This Investors financial advisor may have thought likewise. However, all this was done without considering risk. Hence it led to an “intentional action leading to unpredictable results”. This is a disappointing introduction to the world of investing. This is risk and unpredictable result as loss.
Risk can be mitigated on 3 fronts. Firstly, Intentional action is made wiser with investments in low or zero risk products. Secondly, unpredictable results can be made largely predictable. Lastly, dosage of risk is advised as per the investors risk appetite, market valuations and other macro-economic factors.
"RupeeInvest is honestly following their tagline of 'Let's get rich'. Never imagined I'll get these better returns by just investing in Mutual Funds. The whole team of fund experts and relationship managers is very responsive and investors are never kept in dark for any particular thing. Great service and suggestion of funds."
“Good place to manage your portfolio. Great assistance from the team and suggestions on improving overall folio.”
“I connected with Mutual Fund Wala, in 2019 in last 1.5 Year , this company representative guided me well about the Fund's to be invested and i got best growth in such a short time span. Team is very Professional and Proactive in terms of response.”
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