Investment & Wealth Planning
Keshav Finserv helps you understand and select investment avenues based on your financial goals, investment horizon, and risk profile.
Mutual Fund Investment
Disciplined wealth creation through systematic investing and professional fund management.
SIP – Systematic Investment Plan
Harness the power of monthly rupee-cost averaging and compounding.
- Automated monthly or quarterly disciplined investing
- Rupee cost averaging mitigates market volatility
- Flexibility to pause, increase (Top-Up SIP), or redeem anytime
Lump Sum Investment
Deploy surplus business cash or festival bonuses into strategic asset classes.
- Instant allocation of surplus liquidity
- Can be deployed into Arbitrage / Liquid funds with STP into equity
- High liquidity with T+1 redemption into bank account
Equity Mutual Funds (Large, Mid, Small & Flexi-Cap)
Capital appreciation by participating in India’s leading corporate growth stories.
- Large Cap: India's top 100 bluechip companies with proven balance sheets
- Mid & Small Cap: High growth enterprises with superior alpha potential
- Flexi-Cap: Dynamic fund allocation across all market capitalizations
Debt, Liquid & Hybrid Mutual Funds
Capital preservation, regular income, and balanced risk-reward.
- Balanced Advantage Funds: Dynamic asset allocation between equity & debt
- Liquid & Overnight Funds: Higher returns than bank savings account for idle business cash
- Corporate Bond & Banking & PSU Funds for predictable fixed income
ELSS – Tax-Saving Mutual Funds
Save up to ₹46,800 under Section 80C with the shortest 3-year lock-in.
- Shortest lock-in period (only 3 years vs 5 years for FD, 15 years for PPF)
- Superior historical returns compared to all other 80C instruments
- Available via lump-sum and monthly SIP routes
SWP, STP & New Fund Offers (NFO)
Systematic cash withdrawals, phased rebalancing, and thematic new funds.
- Systematic Withdrawal Plan (SWP): Tax-optimized regular monthly cash flow
- Systematic Transfer Plan (STP): Staggered rupee-cost averaging from lump sums
- New Fund Offers (NFO): Participate in emerging economic sectors & themes
Market-Linked Investments
Direct market instruments subject to SEBI regulations and individual risk tolerance.
Shares, Direct Equity & IPOs
Direct ownership in publicly traded enterprises and initial public offerings.
- Direct equity holding in client's own Demat account
- Participation in Mainboard & SME Initial Public Offers (IPOs)
- Long-term dividend income and voting rights as equity shareholder
Bonds, Sovereign Gold Bonds & Govt Securities
Fixed coupon yield with sovereign and AAA-rated security.
- Sovereign Gold Bonds (SGB) with tax-free capital gains at maturity
- AAA & AA+ rated corporate bonds with 8.5% to 11% fixed annual yields
- Capital gains tax exemption bonds under Section 54EC (NHAI / REC)
ETFs, REITs & InvITs
Low-cost index tracking and commercial real estate & infrastructure yields.
- ETFs track Nifty 50, Gold, Silver, and Nasdaq 100 seamlessly on exchanges
- REITs (Real Estate Investment Trusts) distribute quarterly rental dividend yields
- InvITs provide high cash payout from operational toll roads & power assets
Goal-Based Investment Planning
Structure your savings and investments around tangible personal and family milestones.
Child Education & Marriage Planning
Ensure an inflation-beating fund for your child’s college degree and dream wedding.
- Targeted goal calculator factoring domestic and overseas tuition fees
- Gradual de-risking from equity to debt as the milestone approaches
- Guaranteed peace of mind without taking emergency education loans
Retirement Planning & Long-Term Wealth Creation
Accumulate a multi-crore corpus to sustain your post-retirement lifestyle.
- Comprehensive retirement corpus calculation based on desired monthly lifestyle
- Diversified asset allocation across equity, debt, gold, and real estate
- Post-retirement SWP structuring for regular monthly tax-free cash flows
House Purchase, Business Expansion & Emergency Fund
Build down-payment liquidity and 6-12 months emergency safety net.
- Emergency Fund in liquid funds yielding 6.5-7% with instant 24/7 ATM withdrawal
- Medium-term capital accumulation for real estate down payments
- Tax planning and annual portfolio rebalancing review with certified advisors
Calculate Your SIP Wealth Returns
Use our interactive wealth simulator to see how ₹5,000 to ₹50,000/month compounds over 10-20 years.
SEBI notes that shares, bonds, mutual funds, ETFs, derivatives, REITs and InvITs have different features and risk characteristics, so investors should understand the risks before investing. Mutual funds pool money from investors and invest across securities according to scheme objectives. Past performance is no guarantee of future returns.