A shortlist of instrument categories we help clients access. Exact scheme suitability depends on your goal, horizon and risk appetite — this page is illustrative, not a recommendation.
Product 01
Open-ended equity, debt, hybrid and index schemes across 26 AMCs, chosen against your goal and risk profile rather than short-term performance.
Ask about Mutual Funds| Category | Best for | Risk | Typical horizon |
|---|---|---|---|
| Equity | Long-term growth | High | 5+ years |
| Debt | Capital stability | Low–Moderate | < 3 years |
| Hybrid | Balanced growth | Moderate | 3–5 years |
| ELSS | Tax saving (80C) | High | 3-yr lock-in |
Product 02
Term plans for pure risk cover, and traditional/ULIP plans where a client specifically wants a savings component bundled with insurance — sized to actual family liabilities.
Ask about Life Insurance| Plan type | Purpose | Note |
|---|---|---|
| Term Insurance | Pure protection | High cover, low premium |
| Traditional Endowment | Guaranteed savings | Lower returns, guaranteed |
| ULIP | Insurance + market-linked investing | Market risk applies |
Product 03
Bank and corporate FDs for the stable, low-volatility portion of a portfolio, or for short-term goals where capital protection matters more than growth.
Ask about Fixed Deposits| FD type | Trade-off | Note |
|---|---|---|
| Bank FD | Highest safety | Fully liquid (with penalty) |
| Corporate FD | Higher yield | Credit rating dependent |
| Senior Citizen FD | Higher rate slab | For 60+ investors |
Product 04
Government and tax-free bonds for investors who want fixed, predictable income with sovereign or high-credit backing.
Ask about Saving Bonds| Bond type | Feature | Note |
|---|---|---|
| Government Bonds | Sovereign safety | Long tenure |
| Tax-free Bonds | Tax-exempt interest | Limited new issuances |
| Sovereign Gold Bonds | Gold exposure + interest | 8-year tenure, tradeable |
