Investment products
products come last
These are tools, not recommendations
This section exists so you can understand each category before anyone suggests one. Which of them is relevant — if any — depends entirely on your plan.
the plan decides
A product is only appropriate once it is clear what job the money has to do and when it is needed.
risks stated plainly
Every page in this section sets out what can go wrong, in the same detail as what can go right.
products
What you can invest in
Six investment categories, two routes into them, and one borrowing product. Each page explains how it works, who it may suit, and what the risks are.
01
mutual funds
Professionally managed pooled funds holding many underlying securities, priced daily and generally straightforward to enter and exit.
02
bonds
Lending to a government or company for a defined term at a defined rate, with credit and interest-rate risk attached.
03
NCDs
Corporate debentures paying interest for a fixed term. Concentrated credit exposure to a single issuer.
04
equity
Part ownership of listed businesses. The widest range of outcomes here, and the one that most needs time.
05
PMS
A portfolio managed for you individually and held in your own name. SEBI minimum of ₹50 lakh.
06
AIFs
Privately pooled funds with long lock-ins and a ₹1 crore minimum. The least liquid category here.
07
NRI investing
A route rather than a category. Which of the six above you can access, and how the money gets in and out, depends on your account and where you live.
08
GIFT City
India’s international financial centre, in Gujarat. Its own regulator, foreign-currency denomination, and its own eligibility rules.
09
loan against securities
Borrowing, not investing. You pledge holdings you already own instead of selling them — which raises risk rather than lowering it.
before you choose
Three questions that come before any product
If these are not answered, no category can be assessed properly.
what is it for?
A defined purpose and, where relevant, a date. Money with a deadline behaves differently from money without one.
when might you need it?
The horizon rules out more options than anything else. It is the first filter, not the last.
what do you already hold?
A category that looks sensible alone can be the wrong choice once existing concentration is taken into account.
faqs
Questions about these products
None of them is best in general, and we would be cautious of anyone who answers that question without knowing your situation. Each category carries a different combination of expected return, risk, liquidity and complexity. Suitability depends on your goals, your horizon and what you already own.
No. Every category on this page can lose value, including the possible loss of capital. Fixed income instruments have a defined payment schedule, but that is a promise from an issuer rather than a protection of your money. The risks differ by category; they are never absent.
Because leading with a product list is how investors end up owning things that do not fit together. The useful order is your situation first, then the plan, then the instruments that serve it. This section is deliberately placed after the thinking.
Any commercial arrangements are disclosed openly before you commit to anything, so you can weigh them.
Risk and important information
All of the categories above carry risk, including the possible loss of capital. Returns are not guaranteed and past performance does not indicate future results. Nothing here is a recommendation — which categories may be relevant, if any, depends on your goals, time horizon and existing holdings. Please read all offer documents and scheme-related information carefully before investing.
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.