What is Mutual Fund?
A Mutual Fund is a professionally-managed investment scheme, usually run by an asset management company that brings together a group of people and invests their money in stocks, bonds, and other securities.es.
- Equity Funds: Equity Funds are mutual funds that primarily invest in stocks or equity securities. The main objective of Equity Funds is to seek long-term capital appreciation. Equity Oriented Funds are – Large Cap, Mid Cap, Small Cap, ELSS, Sectorial etc.
- Debt Funds: Debt Fundsinvest money into fixed-income securities such as corporate bonds, government securities, and treasury bills. Debt funds can offer stability and a regular income with relatively minimum risk. Debt oriented Funds are – Overnight Funds, Liquid Funds, Low Duration Funds etc.
- Hybrid funds: Hybrid funds invest in both debt and equity instruments so as to balance out debt and equity. In Hybrid Funds Equity provide Long term Capital Appreciation while Debt provide stable returns.
- Solution Oriented Funds: Solution Oriented Funds are customizable as per future Financial Requirement of an investor. These mutual fund schemes are for specific goals like building funds for children’s education or marriage, or for your own retirement. They come with a lock-in period of at least five years.
- International Funds: International Funds invest in Global Market outside India. Investing in Other countries helps Geographical Diversification and also Benefit from Currency Appreciation against Indian Rup
- Index Funds: Index Funds This category invests in all companies that make up particular Index. Index Funds follows a benchmark of an index like Sensex, Nifty 50, Nifty 100 etc.
How to Invest in Mutual Funds?
Advantage of Mutual Fund :
- Diversification: Mutual funds pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other assets. This diversification helps spread risk because if one investment performs poorly, gains from others may offset the losses.
- Professional Management: Mutual funds are managed by professional fund managers who conduct research, make investment decisions, and monitor the performance of the fund. This expertise can potentially lead to better investment decisions compared to individual investors managing their own portfolios.
- Accessibility: Mutual funds are accessible to investors with different levels of capital. With mutual funds, you can start investing with a relatively small amount of money, making them suitable for beginners or those with limited investment capital.
- Liquidity: Most mutual funds offer liquidity, meaning you can easily buy or sell shares at the current net asset value (NAV) at any time during market hours. This liquidity provides flexibility for investors who may need to access their funds quickly.
- Access to Different Market Segments: Mutual fund schemes may focus on specific market segments, such as large-cap stocks, small-cap stocks, international markets, or specific industries. By investing in these specialized schemes, investors gain exposure to segments that may not be easily accessible or practical to invest in directly.
Why Ashutosh Financial Services?
There are multiple instruments in which the NRIs can invest in India, however, Mutual Funds are the most prominent instrument for NRI Investment In India. Mutual Funds are a great option for NRIs to grow their wealth back in India. Investing in Mutual Funds by NRIs is a smart and cost-effective way to grow wealth. Through our years of experience, we assure you that we will select the best mutual funds for your goals.
We at Ashutosh Financial Services while providing NRI Services put maximum importance on understanding your Investment objectives and creating a customized investment plan to ensure the complete achievement of your investment goals. We pride ourselves to be the best goal-based planners. Post Investment, we keep regular track of all your investments to ensure complete achievement of your investment objectives.
We at Ashutosh Financial Services have a process-driven approach for providing NRI Services in India to the NRIs Investing in India. While Investing in India, the NRIs need to adhere to various rules and regulations of various institutions like FEMA (Foreign Exchange Management Act), Income Tax & RBI (Reserve Bank Of India). However, through our expert and qualified team, we assure you that we are more than enough capable of catering to all your needs.
Preliminary
Discussion
Every investor is unique and has unique needs, therefore we at Ashutosh Financial Services listen to every investor’s needs, goals, and expectations in detail before providing NRI Services. We try to inform you about all the rules and regulations pertaining to NRI Investment In Mutual Funds in India. We also inform you about the documentation and banking process needed to invest in mutual funds in India. Through our discussion with you, we try to ascertain your goals and your requirements.
Risk
Profiling
Once our preliminary discussion is concluded, we use our preset strategies and try to ascertain the risk that you should take to achieve your goals. Risk assessment is one of the most important parameter that helps us in choosing the best mutual fund for you. Risk Assessment helps us in achieving the right investment mix and balance for your funds.
Research
&
Analysis
We, at Ashutosh Financial Services, take immense pride in being one of the very few companies in this field to have our own Research & Analysis Department. Once your goals and risks are ascertained, our research team will suggest the funds that you should invest in to achieve your goals. Our Research Team keeps a track of all the funds performances and this enables us to pick the best mutual funds for you. Once the schemes to invest in are finalized it is forwarded to our Top Management, whose approval shall complete the process.
Investment
Process
Once the Top Management has given their approval, you shall be approached with relevant investment documents, along with the factsheets of the funds you are suggested to invest in. The factsheet is the document that contains all the details about the funds performance over the period of years. The Investment process can be done both via forms or digitally. There are certain restrictions from mutual fund companies based on your country of residence, to know more click here.
After
Investment
Service
Once the investment process is concluded, you shall be provided with a dedicated relationship manager who shall be available at all times for any queries that you shall have. Apart from this we also take a periodical review of your investments to see whether the funds performance is in line with the goals we set at the time of investment and if there are changes to be done we shall approach you with the same.
Our Aim :
Our aim is to become your one-stop solution for your financial needs. Through our expert and qualified team, we try to give you the best advice regarding your investments. We also keep ourselves updated with all the activities happening in the world of finance. We aim to provide you with quality & unbiased services to secure your goals and future needs. We at Ashutosh Financial Services, are committed to continuously providing financial services to our investors to the best of our ability.
Our Key USPs are as under
