SIP & Mutual Funds
Mutual funds pool money from thousands of investors and invest it in a diversified portfolio of stocks or bonds. A Systematic Investment Plan (SIP) is a method to invest in mutual funds where you contribute a fixed amount regularly (e.g., monthly). This eliminates the need to time the market and builds wealth through rupee cost averaging and compounding.
Key Benefits
Indian Stocks (Direct Equity)
Direct equity investing involves buying shares of companies listed on NSE/BSE. It offers the highest return potential among all asset classes but requires knowledge, patience, and a long-term horizon. SARAA helps with research-backed stock recommendations and portfolio construction.
US Stocks
Investing in US stocks gives you exposure to the world's largest economy and its tech-driven growth. Companies like Apple, Microsoft, Amazon, Google, and Tesla are not available on Indian exchanges. Fractional investing allows you to buy a slice of expensive shares for as little as $10.
Fixed Deposits & Bonds
For investors prioritizing capital preservation and regular income, we offer highly rated Corporate FDs and Government/Corporate Bonds. These provide predictable, fixed returns that are generally higher than standard bank FDs.
Retirement Planning (NPS, PPF)
Retirement planning requires a mix of aggressive growth and tax efficiency during your working years, shifting to capital preservation closer to retirement. We help structure portfolios using the National Pension System (NPS), PPF, and target-date mutual funds.
Portfolio Management Services (PMS) & AIF
For High Net Worth Individuals (HNIs) investing ₹50 Lakhs or more, PMS offers a customized, highly concentrated equity portfolio managed by star fund managers. Alternative Investment Funds (AIFs) provide exposure to private equity, real estate, and hedge funds.
Asset Class Comparison
| Asset Class | Risk Level | Expected Return* | Ideal Horizon | Liquidity |
|---|---|---|---|---|
| Equity Mutual Funds | High | 10-14% CAGR | 5+ Years | High (1-3 Days) |
| Direct Stocks | Very High | 12-16% CAGR | 5+ Years | Very High (Instant) |
| Debt Mutual Funds | Low | 6-8% CAGR | 1-3 Years | High (1-2 Days) |
| Corporate FDs | Low to Medium | 7-9% Fixed | 1-5 Years | Low (Penalties apply) |
*Expected returns are indicative based on historical data and not guaranteed.