Investing in mutual funds is a smart option to grow your wealth. Mutual funds pool money from various investors to buy a diversified portfolio of stocks, bonds, and other securities. This diversified approach reduces risk and allows you to benefit from professional fund management.
Mutual funds offer an easy entry point into the world of investing, making them an excellent choice for both beginners and experienced investors. With mutual funds, your money is managed by skilled fund managers who analyze the market and select the best investment opportunities.
Types of Mutual Funds

• Equity Funds: These funds primarily invest in stocks and offer the potential for high returns.
• Debt Funds: Debt funds focus on bonds and fixed-income securities, providing stability.
• Hybrid Funds: These combine equity and debt, striking a balance between risk and return.
• Index Funds: Designed to replicate a specific market index, offering broad market exposure.

Key Features:

• Professional Management: Skilled fund managers make investment decisions.
• Diversification: Spread your risk across various assets.
• Liquidity: Easily buy and sell fund units as per your needs.
• Transparency: Regular updates on the fund's performance.
• SIP Option: Invest a fixed amount regularly for financial discipline.

Mutual funds provide a flexible and convenient way to grow your money over time. Start your investment journey today for a brighter financial future.

Wealth management is a holistic service that combines financial planning, investment management, and advisory services. With a focus on your individual financial objectives, wealth managers design personalized strategies that encompass all aspects of your financial life, from investment portfolios to tax and estate planning.

Types of Wealth Management:

• Investment Management:

  Focuses on the creation and oversight of a diverse investment portfolio to maximize returns while minimizing risks.

• Retirement Planning:

  Provides strategies to build and sustain your wealth post-retirement, ensuring you maintain your lifestyle after your working years.

• Tax Planning:

  Helps optimize your tax liabilities through proper financial structuring, ensuring you maximize your wealth by paying the least amount of tax legally possible.

• Estate Planning:

  Prepares for the efficient transfer of wealth to the next generation, minimizing tax burdens and legal hurdles.

Features of Wealth Management:

• Personalized Approach:

  Every strategy is tailored to your financial goals, risk tolerance, and time horizon.

• Holistic Service:

  It covers all aspects of your financial life, including investments, insurance, retirement, and estate planning.

• Risk Management:

  Wealth management focuses on creating a balanced approach to managing risks associated with market fluctuations and life uncertainties.

• Expert Advisory:

  Access to a team of experienced financial advisors who provide continuous support and guidance for informed decision-making.

• Long-term Planning:

  Strategies designed for sustained wealth growth and protection over time, ensuring financial security across generations.

At Summit Finserv, our wealth management services are designed to help you grow and protect your financial assets. With a personalized approach that addresses all your financial needs, we provide you with the tools and expertise to achieve financial independence.

Retirement happens to be one of the most important life-stage goals, if not the most important! Yet, most of us do not plan prudently to ensure we have a happy and hassle-free post-retirement life. One of the studies by Tower Watson (an US-based Consultancy Company) mentions that 78% of Indians don’t save enough for their retirement.

Retirement is increasingly becoming more pertinent now due to some of the following reasons:

• Increasing cost of living due to high inflation: Implication – Individuals have to save smartly to beat inflation
• Increasing Life Expectancy: Implication – Individuals have to ensure that the retirement corpus is fairly large to support the long post-retirement life
• Lack of formal Social Security System: Implication – Individuals cannot hope for external support for their retirement
• Move towards a Nuclear Family System: Implication – Individuals have to ensure that they fend for themselves

Retirement is a fairly long-term goal, which requires careful considerations and planning. A 30-30 rule of thumb says an individual earns for 30 years, to provide for 30 years of post-retirement life where the individual’s income would have stopped, yet the need to maintain similar life style exists.

Introducing: Tailor Made   Retirement Fund

We are happy to introduce to you a Retirement Fund – a one-stop Equity & Debt Oriented Retirement Solution with an aim to help your staff save & accumulate for enjoying their post retirement life.  Retirement Fund encourages them to start saving for their post retirement life from the young age. The scheme provides flexibility to the investors to select or change their asset allocation anytime, depending on their changing risk profiles and investment requirements. Along with the fundamental concept of encouraging investors to prudently save for their retirement, the scheme combines various facilities such as Step-up, Auto Transfer, Auto SWP, etc., in order to help them effectively meet their retirement objectives. The product has 5 years lock-in, to instill discipline amongst investors towards staying invested for the longer term.

Key Features of the Fund:

• Retirement Fund offering equity-oriented solution
• The Fund will have 2 Schemes: (Both the Schemes will have different portfolios)
• Wealth Creation Scheme - Equity Oriented (65%-100% in Equities)
• Income Generation Scheme - Debt Oriented (5%-30% in Equities)
• Note - The Fund allows unlimited switches between the two schemes, without any exit load
• A host of features for investors to suit their exact requirements
• The Fund has been notified as a Pension Fund under Section 80C(2)(xiv) of the Income Tax Act, offering tax deductions for investments up to Rs. 1.5 Lakhs.

What is in it for your staff?

Your staff can follow 3 simple steps for an effective Retirement Planning using Retirement Fund            

• Step 1: To SAVE prudently, the Fund offers the flexibility to choose asset class, depending on the actual requirement
• Step 2: To ACCUMULATE a healthy retirement corpus, the Fund offers an option to increase SIP through STEP UP Facility in the underlying schemes (Wealth Creation & Income Generation Scheme)
• Step 3: To ENJOY post retirement life, the Fund offers AUTO SWP Facility and other Liquidity Benefits

We believe Retirement Fund can help your staff effectively meet their retirement goals, by allowing them to invest into equity / debt-oriented asset class, depending on their requirements, and combining them with features and facilities to suit their actual requirements.
An individual could use the Fund to save, say, Rs.5000 per month for 30 yrs, accumulate a retirement corpus of ~Rs.3.5 crores at age of 60 and enjoy a post-retirement pension of ~Rs.3 Lakhs per month for 30 years!!

A Child Gift Plan is a long-term investment strategy designed to secure the future of your child by providing financial support for their education, marriage, and other important milestones. By contributing regularly, you build a fund that grows over time, ensuring that your child's future is financially protected.

Types of Child Gift Plans:

• Education Planning:

  Helps accumulate funds for your child's education, from school to higher studies, ensuring they have the resources needed for a successful academic journey.

• Marriage Planning:

  Prepares for the financial needs of your child's marriage by accumulating a corpus that will cover wedding expenses and associated costs.

• Life Coverage:

  Provides financial protection in case of unforeseen events, ensuring your child's future is secure even in your absence.

• Wealth Accumulation:

  Allows you to build a long-term investment portfolio that grows over time, providing a substantial fund for your child's future needs.

Features of a Child Gift Plan:

• Customizable Plans:

  Child Gift Plans can be tailored to meet your child's specific future needs, such as education or marriage, with flexible premium options.

• Tax Benefits:

  Contributions to Child Gift Plans often come with tax advantages, helping you save on taxes while securing your child's future.

• Regular Contributions:

  The plan encourages regular contributions that accumulate over time, ensuring your child's needs are met without financial strain.

• Financial Security:

  Provides a safety net for your child in case of unexpected circumstances, offering peace of mind to parents.

• Investment Growth:

  Funds are invested wisely to grow over time, ensuring the plan's value increases to match your child's future financial needs.

At Summit Finserv, our Child Gift Plans are designed to provide you with the peace of mind that comes from knowing your child's future is secure. With a plan tailored to your financial goals, we help you build a strong foundation for your child's education, marriage, and beyond.

Portfolio Management Services (PMS) offer a personalized investment strategy that is designed to meet your unique financial goals. With professional managers overseeing your portfolio, PMS ensures that your investments are tailored to maximize returns while managing risk in accordance with your financial objectives and risk profile.

Types of Portfolio Management Services:

• Discretionary PMS:

  In a discretionary PMS, the portfolio manager makes all investment decisions on your behalf, according to your goals and risk profile, while keeping you informed about the performance.

• Non-Discretionary PMS:

  The investor makes the final investment decision, but the portfolio manager provides advice and recommendations based on detailed market analysis and the investor\'s preferences.

• Advisory PMS:

  The portfolio manager offers investment advice, but the decision to buy or sell is left to the investor, allowing greater control over the portfolio.

• Structured PMS:

  Designed to meet specific financial goals, such as retirement planning or wealth accumulation, structured PMS ensures that the investments align with the investor’s financial plans.

Features of Portfolio Management Services:

• Customized Investment Strategy:

  PMS offers a personalized approach, with a portfolio tailored to your financial goals, risk tolerance, and time horizon.

• Expert Portfolio Management:

  Access to professional portfolio managers who have the expertise and experience to make informed investment decisions on your behalf.

• Regular Monitoring and Reporting:

  Your portfolio is regularly monitored, and you receive periodic reports on performance, ensuring that you stay informed of your investments.

• Diversified Portfolio:

  PMS ensures diversification across different asset classes, which helps in mitigating risks while aiming for optimal returns.

• Active Risk Management:

  Continuous evaluation of the market and your portfolio allows for proactive risk management, adjusting the strategy to changing market conditions.

At Summit Finserv, our Portfolio Management Services are designed to help you achieve your financial goals with expert guidance and personalized strategies. With our skilled managers and tailored solutions, we focus on growing your wealth while managing risk effectively.

Alternative Investment Funds (AIF) are investment vehicles that pool capital from accredited investors to invest in a range of non-traditional assets. AIFs aim to provide higher returns by investing in asset classes like private equity, venture capital, hedge funds, real estate, and commodities, among others. These funds are ideal for investors looking to diversify their portfolios beyond traditional investments like stocks and bonds.

Types of Alternative Investment Funds:

• Private Equity Funds:

  Invest in private companies or startups, with the aim of generating high returns by helping these businesses grow or by eventually exiting through IPOs or mergers and acquisitions.

• Venture Capital Funds:

  Focus on investing in early-stage, high-potential startups. These funds offer capital to young companies with innovative business models, often in exchange for equity.

• Real Estate Funds:

  Invest in real estate properties or real estate development projects. These funds provide exposure to the real estate market, offering returns through rental income and capital appreciation.

• Hedge Funds:

  Invest in a wide range of assets and employ various strategies (such as long/short positions, derivatives, and leverage) to achieve high returns, often irrespective of market conditions.

• Debt Funds:

  Invest in debt instruments, including bonds, corporate loans, and other credit-related products. These funds aim to generate returns through interest payments and capital gains from debt instruments.

Features of Alternative Investment Funds:

• Diversification:

  By investing in non-traditional assets, AIFs help investors diversify their portfolios, reducing risk associated with market volatility.

• Higher Return Potential:

  AIFs target higher returns compared to traditional investments, making them attractive for investors willing to accept a higher level of risk.

• Access to Private Markets:

  AIFs offer investors the opportunity to invest in private companies, startups, or specialized sectors not typically accessible through public markets.

• Regulatory Oversight:

  AIFs are regulated by the Securities and Exchange Board of India (SEBI), ensuring that the funds operate within a structured and transparent framework.

• Risk Mitigation Strategies:

  Portfolio managers of AIFs implement active risk management strategies, including diversification, hedging, and using alternative investment techniques, to safeguard the investor’s capital.

At Summit Finserv, we offer a wide range of Alternative Investment Funds tailored to meet your specific investment needs and risk profile. With expert management and access to exclusive investment opportunities, AIFs are a great way to enhance your portfolio and achieve your long-term financial goals.