Offering
Mutual Funds
Mutual Funds (MF) is a mechanism to pool money from investors who wish to save and invest in securities through professional management to achieve one’s financial needs. When you invest in mutual funds, you purchase units that represent your ownership in the fund. The returns you earn are based on the performance of the underlying investments and are distributed among all unit holders in proportion to the number of units they hold. This makes mutual funds a suitable option for those looking to start investing in mutual funds with small amounts, as it offers a diversified, professionally managed portfolio at an affordable cost. Asset Management Companies (AMCs) provide a range of funds tailored to different financial needs, risk levels, and investment horizons. Whether you are looking for growth, income, or a balance of both, there is a mutual fund that fits your preferences, allowing you to start your journey toward financial growth in a simple and accessible way.
Why Mutual Fund?
Earning - Inflation = Real Return
If you invest in a scheme with an 8% return and inflation is 6%, your real return is just 2% (8% - 6%). Is it enough to achieve our various goals in life?
Invest in ups & downs (Value averaging)
Rupee Cost Averaging is a strategy where you invest a fixed amount regularly, allowing you to buy more when prices are low and less when prices are high, reducing timing risks in the market.
Power of compounding
The ability of money to grow exponentially over time, as interest earned on your initial investment is reinvested to earn more interest. This thus creates a snowball effect.
MODE OF INVESTMENTS
An investor can start investment in Mutual Funds either by opting for Systematic Investment Plans (SIP) or by investing a lump sum amount.
EQUITY
Your Way to Wealth Creation
Investing in equity requires a long term view and a disciplined approach. It requires understanding of company’s management, finances and several key valuation metrics. We at Sushil Finance are passionate about providing these insights through our research reports, thereby simplifying your investment journey and helping you make informed decisions.
Benefits
- BSE, NSE Cash & Futures & Options all at one place
- Depository Participant with CDSL, providing services for the last Twenty Years.
- Exclusive Equity Research Calls with 13+ Research Products to serve every kind of investor.
- Dedicated relationship manager for personalized services
- State of the art technology
Portfolio Management Services (PMS)
Investors can diversify their investments across a wide range of products including equities, mutual funds, ETFs, and more, managed by experienced institutional professionals on their behalf. NJ’s Portfolio Management Services is built on the framework of ‘Rule-Based Investing’. Rule-based investing integrates disciplined investment strategies with active management, aiming to deliver reasonable long-term returns to investors. Our team of Financial Product Distributors comprehensively understands investor needs and preferences, assisting them in identifying portfolios aligned with their risk tolerance to fulfill their long-term financial aspirations.
Investment Assessment
Everyone desires the highest possible returns, but solely focusing on assets with the greatest potential isn't the optimal strategy. Historical market crashes demonstrate the risks associated with such an approach. At SAFEinvest, we prioritise regular investment analysis and portfolio evaluation. Our primary focus is on managing portfolio asset allocation to generate risk-adjusted returns. We offer comprehensive investment analysis services to ensure your portfolio is aligned with your financial needs and risk tolerance. By carefully assessing your investment portfolio, we can make informed decisions about asset allocation and help you achieve optimal returns.
Asset Allocation
Asset allocation is the single most important determinant of a person's wealth in the long run. An appropriate asset allocation hence is very critical to be decided and followed. Consider the following facts:
Determinants of Portfolio Performance in long run:
- 2% - Market Timing
- 6% - Security Selection
- Fixed Income Products
- 92% - Asset Allocation
* Research Paper “Determinants of Portfolio Performance” in Financial Analyst Journal, 1986 by Brinson, Hood, and Beebower
What our Investment Portfolio Assessment Includes?
- Net Asset Report
- Current Asset Allocation, Equity & Debt. What is decided and what is actual
- Equity & Debt Micro Review with AMC Exposure & Type of Equity Scheme
- Performance & Observation on existing investment
- Recommendations & Actions to be taken
Taxation
When you invest in a tax-saving fund with SAFEinvest, we offer comprehensive services to help you maximise your tax benefits. Our taxation investment services include:
- Tax Planning under Section 80C: We’ll analyse your yearly income and recommend suitable ELSS tax-saving fund options to optimise your tax benefits.
- Old Tax Regime: Maximise deductions up to ₹1.5 lakh on investments in ELSS funds, PPF,Home loans, etc.
- New Tax Regime: Benefit from lower tax slabs without claiming deductions.
- P&L Calculation: We’ll assist you with the Profit & Loss account calculations required for Advance tax planning.
NRI Services
We provide holistic NRI services from Operations, Investment Assessment to Taxation to our overseas clients as per their risk tolerance and needs.
Our FPDs monitor and provide guidance for NRI mutual fund investment and portfolio management services (PMS) that align with your risk appetite and investment horizon.
We offer Demat (E-Wealth) services through the NJ platform, allowing you to manage your investments online. This virtual presence eliminates the need for physical visits, making it easier for NRIs to access our services.
Our services include
- Personalised investment planning
- Access to a wide range of mutual funds
- Regular portfolio monitoring and rebalancing
- Convenient online investment management through our E-Wealth platform
Wealth Account
We offer benefits of trading and depository services under one roof. NJ India Invest Pvt. Ltd. is registered as a Member with Bombay Stock Exchange (BSE) & National Stock Exchange (NSE). NJ is also registered as a Depository participant of CDSL and through that platform we offer E-Wealth A/c services.
Dematerialisation and trading in the demat mode is a safer and quicker alternative to holding physical securities. Under our depository services, the securities are held in electronic form through your E-Wealth account, removing the risks associated with physical storage.
Benefits of E-Wealth
Open an E-Wealth account online and experience and benefits of seamless digital portfolio management. Our comprehensive platform empowers you to access, manage, and track your entire investment portfolio, including mutual funds, stocks, bonds, and other assets.
With an E-Wealth MF account, you can easily invest in a diverse range of mutual funds, tailored to your financial goals. Our user-friendly platform provides real-time access to your investment information, allowing you to make informed decisions and monitor your performance effortlessly.
WILL Writing Service
We facilitate an online platform for our existing clients to create ‘WILL’ for successful wealth transfer through NJ Will Writing Services (NJ WWS). The testator can make a customized/personalized Will as per the client’s special requirements with 100% confidentiality.
Will writing is for all ages and is equally vital for the youth to dodge any uncertain event(s) of life.
Need to form a ‘Will’
- Personalised investment planning
- Access to a wide range of mutual funds
- Regular portfolio monitoring and rebalancing
- Convenient online investment management through our E-Wealth platform
*Source RBI Annual Report
Hence, anyone who has an investment, or possesses any other asset(s), irrespective of the portfolio size, must form a formal Will, seeking the Best Will Writing Service can help individuals ensure their assets are well accounted for and accessed by their heirs. A Will provides peace of mind and avoids potential legal complications even if you have a small estate or are single.
Loan Against Securities
Why redeem units when the loan is easily available?
Application for Loans against securities to be made online through E-Wealth Account. The loan sanction status is updated within minutes, and the loan amount is disbursed in no time.
There are no foreclosure charges and partial repayment is possible too under the loan repayment option.
With Loan Against Securities (LAS) from NJ Capital you can unlock the potential of your investments without liquidating them and having to book profits or losses in an unplanned manner. All you have to do is pledge your mutual funds, equity shares, bonds or securities and get access to instant liquidity.
Unplanned redemptions / sales of investments not only get impacted by unfavourable market prices (since the timing of exit is not planned) but also generally result in upfront tax liabilities, all of which end up causing financial losses to investors and impacting the Goal based investments that the investor may be looking forward to make. The LAS – Term Loan product introduced by NJ Capital provides a very quick, convenient way of availing finance against securities held in your NJ E-wealth account, while still retaining ownership and riding the upside of being invested in the stock market.
The EMI based repayment structure also ensures that payments are made in an orderly, planned and affordable manner over the specified period and the liability is continuously brought down.