Invest and earn introduces SMART MIP ( Monthly Income Plan)

                          Invest and Earn :  SMART MIP (monthly income Plan)

Many investors struggle to decide upon an investment product which could generate tax friendly flexible monthly returns or income along with capital appreciation.

 Most of the times they get attracted to invest either in bank FDs where monthly returns are assured, others invest in physical assets like real estate in expectation of monthly rental income which requires huge investment and the rental incomes earned are most of the times are less then bank FD & also suffer due to over and above expenses on repair, maintenance etc.

Invest and earn introduces customized SMART MIP(Monthly income plan) based upon investor’s risk profile and monthly income requirement along with tax friendly capital growth. These MIPs are flexible and customized based upon active investment management philosophy adapted by ‘invest and earn’ to suit every investor’s requirement and GOAL.

We asses risk profile of investor and based upon his risk appetite we propose a hybrid investment model which constitutes percentage of Equity MF & debt/FD in consultation with every investor. This is a unique actively managed module where investor gets agreed monthly sum every month and rest of principal is allowed to grow in a market based return through equity MFs. During the investment period client would be advised to redeem at right time from the most appropriate fund based upon the timing.

1. Regular Income

It can be a steady source of regular income and can be helpful in times of crisis such as unemployment, closure of business or retirement. It is also a good substitute for pension post retirement when cash flow comes to halt or an additional income apart from the salary.

2. Tax Efficient

It is tax efficient as the tax is paid only on the gains made by the investors and not on the actual principal. The taxation norms depend on the kind of mutual funds and investment duration. In case of equity funds, long term capital gains are exempted and short term profits are taxed at 15% on withdrawals within one year. In case of debt  short term gains are added to the investors’ income and taxed as per their tax slab.

 3. Customized Cash Flow

The withdrawal amount can be customized. It can be a fixed or a variable monthly return where in withdrawal Plan in which the investor sells off certain units equivalent to the desired amount from couple of equity MF schemes  and the money is transferred to his/her account the capital appreciation earned over the units (purchased from principal amount) is transferred to the account

Investment Process: Principal may be invested through offline or online mode across 5-7 Equity Mutual fund schemes & Debt products

Monthly Redemption (Equity MF):A fixed or variable  amount is redeemed through online link which investor needs to approve every month for Equity MF and the amount gets credited within 3 business day in the registered bank account

Monthly payment (Debt) : The fixed amount gets credited every month through NEFTs 

Investment Objective : Monthly income + Capital Appreciation + Tax friendly + liquidity + flexibility

                                                                                                                                       

                           Sample MIP ((Monthly income Plan) for Moderate Risk investor