kd finvest services
One clear plan for all your wealth
Whether your wealth sits in property, a business, savings or other investments, we help you see it all as one picture — built around your goals, not a product.
real estate + financial assets
Different assets. One wealth strategy.
Property, a business, deposits and market investments all behave differently. We help you make each decision with the bigger financial picture in mind.
our philosophy
Your goals. Your wealth. Our guidance.
Goals before products. We start with what you are trying to achieve and what you already own — which investments fit, if any, is the last part of the conversation, never the first.
who we serve
Wealth looks different for every owner
What connects the people we work with is not portfolio size. It is that no single conversation has ever covered everything they own.
high-net-worth individuals
Larger portfolios spread across property, financial assets and several separate relationships. We map the complete structure before discussing anything new.
business owners & entrepreneurs
When a large share of your net worth depends on one business, diversification becomes a structural question — not a product recommendation.
real-estate-heavy investors
Substantial property, relatively few financial assets. We look at concentration, liquidity and flexibility — without ever suggesting the property was the wrong decision.
professionals
Building wealth from salary or professional income, and looking for a structure that keeps working through a demanding schedule.
families
Several goals running at once — a home, education, retirement, family security — each sitting on a different time horizon.
corporate clients
Surplus cash and reserves, considered entirely separately from personal investing: liquidity, horizon and capital preservation.
why kd finvest
Different assets. One wealth strategy.
Six things separate this practice from a product desk — where the experience came from, how the thinking is done, and what happens after the money is placed.
goals before products
The first conversation is about what you are trying to achieve, not about what we can sell. A product is the answer to a question, and the question comes first.
built around your situation
Your objectives, your tolerance for risk and how long you can leave money alone. Three people with the same amount to invest should not end up with the same plan.
real estate is not a footnote here
This practice grew out of years of professional real-estate consulting. Property questions get answered by someone who has valued and negotiated real transactions, not treated them as a line on a slide.
everything in one place
Mutual funds, bonds, NCDs, equity, PMS and AIFs under one roof — and, more usefully, looked at together. A property decision affects your liquidity; a business opportunity changes your capacity.
long term, and we come back to it
Disciplined investing over years, not positioning for the next quarter. A plan set once and never revisited stops matching your life fairly quickly, so we return to it as circumstances change.
nothing hidden
Plain information, including the parts that are inconvenient. Investments are placed through established platforms and intermediaries, so your holdings and your money sit with those institutions — never with us.
We do not hold your money. We do not guarantee returns. And we do not put a product in front of you before we understand what you are trying to do.
who we work with
The platforms behind your portfolio
Access, execution and administration run through established platforms and intermediaries rather than through us.
These are commercial arrangements for product access and execution. They are not an endorsement of any particular investment, and they do not remove the risks set out on each product page.
our services
What we actually help you do
None of this begins with an investment. It begins with a conversation about what you already have and where you want it to go.
Every conversation starts with your goals.
Not sure which of these applies to you? That is usually the point of the first conversation — we will tell you which ones are actually relevant, including when the answer is none of them.
start an investment conversation01
investment portfolio
Designing and reviewing the structure of everything you hold — allocation, concentration and liquidity in one view.
02
retirement planning
Working back from the income you will need to what has to happen now, across accumulation and drawdown.
03
targeted investment
A defined amount on a defined date — education, a home, a wedding — structured to match that horizon.
04
tax optimization
Considering the tax characteristics of how holdings are structured and when they are sold, alongside your chartered accountant.
05
fixed income planning
Structuring the stable, income-oriented part of a portfolio — maturities, credit quality and cash-flow matching.
the founder
Kshitij Desai has actually done this
Before KD Finvest, Kshitij spent 25+ years building businesses and over a decade as a professional real estate consultant — working directly with the same clients this practice now serves.
25+
Years in business
10+
Years as a real estate consultant
3,000+
Client relationships
our approach
What working with us looks like
It starts with you — not with a product.
-
see
See exactly how much of your wealth sits in one place.
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consider
Consider a wider range of options, structured as one coherent plan.
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revisit
Come back and revisit the plan as your goals or circumstances change.
step
understand
We start by learning about your goals and your situation.
01
step
assess
We look at what you already have before anything else.
02
step
structure
We map out which types of investments might actually fit.
03
step
implement
You decide what to act on — nothing moves without you.
04
step
review
We check back in as your goals or life change.
05
investment solutions
What we work across
Six investment categories, two routes into them and one borrowing facility. Which of them are relevant — if any — comes out of the conversation, not before it.
mutual funds
Professionally managed funds that pool money across many investments, so you are not picking each one yourself.
bonds
Lend money to a government or company and receive regular interest until it is repaid.
NCDs
Fixed-tenure debt issued directly by a single company, paying interest over a set period — and carrying that one company’s credit risk.
equity
Direct ownership in listed companies, with value that moves with the business and the market.
PMS
A dedicated manager runs an individual portfolio on your behalf, tailored to your specific holdings.
AIFs
Pooled funds that follow strategies outside traditional mutual funds, under their own regulatory framework.
NRI investing
A route rather than a category. Which of the six above you can reach depends on your account and where you live.
GIFT City
India’s international financial centre, in Gujarat. Its own regulator, foreign-currency denomination, its own rules.
loan against securities
Borrowing, not investing. Pledge holdings you already own instead of selling them — which raises risk, not lowers it.
Every investment category above carries risk, including the possible loss of capital. Returns are not guaranteed and past performance does not indicate future results. A loan against securities is borrowing rather than investing and carries its own risks, including the sale of pledged holdings. Nothing here is a recommendation — what may be relevant, if any of it, depends on your goals, time horizon and existing holdings.
faqs
Frequently asked questions
Individuals and families whose wealth has grown across more than one place — high-net-worth investors, business owners and entrepreneurs, investors whose holdings sit largely in real estate, salaried professionals, families planning around several goals at once, and companies looking at surplus funds. What connects them is not portfolio size; it's that no single conversation has ever covered everything they own.
Yes — that's one of the most common situations we see. Real estate and financial assets simply have different characteristics, and neither is automatically better than the other. The useful question is what balance suits your goals, your liquidity needs and your time horizon. We start there, not from a view that you should sell anything.
No. Some people come to us with holdings accumulated over twenty years and no clear overall view of them. Others are looking at investing outside property or a business for the first time. Either way, the first conversation is about your goals and what you already own.
Mutual funds, bonds and fixed income, NCDs, equity, PMS and AIFs. Which of them are relevant — if any — depends on your goals, your time horizon and what you already hold. Categories get discussed once we understand the picture, not before.
It's a conversation, not a pitch. We ask about your goals, your time horizon, what you already own across property, business and financial assets, and what's prompting you to look at this now. Nothing is recommended in that first meeting, and there is no obligation to proceed.
Our legal entity name, regulatory capacity, registration details and grievance contact are being finalised and will be published in full on our Disclosures page. Until then we'll share them directly on request — please ask during your first conversation.
investor services
What happens after you invest
Choosing an investment takes an afternoon. The paperwork, the statements and the service requests run for years. We handle that part with you.
KYC & documentation
Records, PAN and bank details, address and contact changes — kept current instead of quietly going stale.
transactions
Purchases, additional investments, redemptions and switches, each following the process the product actually requires.
SIP servicing
Register a SIP, change the amount or the date, pause it, restart it or stop it — and any SWP arrangement alongside.
statements & reporting
Portfolio, transaction and capital gain statements pulled together in one place — and explained rather than forwarded.
nomination
Adding or updating a nominee across your holdings. Unglamorous, endlessly postponed, and the one families most wish had been done.
grievance assistance
Getting an issue to the right entity through the right channel — and telling you what the escalation route is if that does not settle it.
let's talk
Let's start with a conversation
There's no obligation, no pressure — just a conversation about where things stand and where you'd like to go.