Our core philosophy is to guide you to reach your goals in your life in financial terms. We provide guidance and services for all and every type of goals, ranging in amount from few thousand rupees to crores of rupees and in time frame from few weeks to fifty years and more.

Our passionate approach is to provide excellent and exemplary services for TWO main goals of every investor’s life, namely
(1) Children’s Education and Marriage
(2) Retirement

We intend to guide you to reach heights of such goals with comfort and ease. We will make your income tax planning in such a way that tax saving and retirement planning becomes integrated and you are benefitted with tax savings in retirement planning as well.
Any and every goal can be reached by SIP and realized by SWP  

SIP :-  Systematic Investment Plan is really is  “SAB SE IMPORTANT PLAN”  because you are benefitted with disciplined approach, rupee cost averaging and compounding.

SWP :- Systematic Withdrawal Plan allows the investors to withdraw a fixed amount of money from Mutual Fund scheme regularly.

Here again you are benefitted with disciplined approach, rupee cost averaging and compounding. The Balance Amount of investment with mutual fund scheme continues to earn and compound.

SWP is mirror image of SIP in simple words
SIP takes money from you for wealth creation – a negative cash flow.
SWP gives you back money from created wealth – a positive cash flow.

Combination of SIP/SWP makes Mutual Fund investments is a clear winner with respect to all other options of financial instrument as investment.
 
For more understanding on SIP/SWP kindly read the following lines.

A Systematic Investment Plan or SIP is a smart and hassle free mode for investing money in mutual funds. SIP allows you to invest a certain pre-determined amount at a regular interval (weekly, monthly, quarterly, etc.). A SIP is a planned approach towards investments and helps you inculcate the habit of saving and building wealth for the future.


How Does It Work?

A SIP is a flexible and easy investment plan. Your money is auto-debited from your bank account and invested into a specific mutual fund scheme. You are allocated certain number of units based on the ongoing market rate (called NAV or net asset value) for the day.Every time you invest money, additional units of the scheme are purchased at the market rate and added to your Mutual Fund folio. Hence, units are bought at different rates and investors benefit from Rupee-Cost Averaging and the Power of Compounding.

Rupee-Cost Averaging

With volatile markets, most investors remain skeptical about the best time to invest and try to time their entry into the market. Rupee-cost averaging allows you to opt out of the guessing game. Since you are a regular investor, your money fetches more units when the price is low and lesser when the price is high. During volatile period, it may allow you to achieve a lower average cost per unit.

Power of Compounding

Albert Einstein once said, "Compound interest is the eighth wonder of the world. He, who understands it, earns it... he who does not... pays for it." The rule for compounding is simple - the sooner you start investing, the more time your money has to grow.

Example
If you started investing Rs. 10000 a month on your 40th birthday, in 20 years time you would have put aside Rs. 24 lakhs. If that investment grew by an average of 7% a year, it would be worth Rs. 52.4 lakhs when you reach 60.

However, if you started investing 10 years earlier, your Rs. 10000 each month would add up to Rs. 36 lakh over 30 years. Assuming the same average annual growth of 7%, you would have Rs. 1.22 Cr on your 60th birthday - more than double the amount you would have received if you had started ten years later!

Other Benefits of Systematic Investment Plans

Disciplined Saving - Discipline is the key to successful investments. When you invest through SIP, you commit yourself to save regularly. Every investment is a step towards attaining your financial objectives.

Flexibility - While it is advisable to continue SIP investments with a long-term perspective, there is no compulsion. Investors can discontinue the plan at any time. One can also increase/ decrease the amount being invested.

Long-Term Gains - Due to rupee-cost averaging and the power of compounding SIPs have the potential to deliver attractive returns over a long investment horizon.

Convenience - SIP is a hassle-free mode of investment. You can issue a standing instruction to your bank to facilitate auto-debits from your bank account.

SIPs have proved to be an ideal mode of investment for retail investors who do not have the resources to pursue active investments.

A Systematic Withdrawal Plan or SWP is a smart and hassle free mode for withdrawing money in mutual funds. SWP allows you to withdraw certain pre-determined amount at a regular interval (weekly, monthly, quarterly, etc.). A SWP is a planned approach towards Withdrawal and helps you inculcate the habit of saving the balance Amount and building wealth for the future.

How does it work?

A SWP is a flexible and easy Withdrawal plan. Your money is auto-Credited to your bank account. Certain numbers of units based on the ongoing market rate (called NAV or net asset value) for the day are deducted from your Units. Every time you withdraw money, additional units of the scheme are redeemed at the market rate and deducted from your Units. Hence, units are redeemed at different rates and investors benefit from Rupee-Cost Averaging and the Power of Compounding.

Rupee-Cost Averaging

With volatile markets, most investors remain skeptical about the best time to withdraw and try to time their Exit from the market. Rupee-cost averaging allows you to opt out of the guessing game. Since you have a regular withdrawal, your money costs fewer units when the price is High During volatile period, it may allow you to have less numbers of units deduct from your folio.

Power of Compounding :- Albert Einstein once said, "Compound interest is the eighth wonder of the world. He, who understands it, earns it... he who does not... pays for it." The rule for compounding is simple - the sooner you start investing, the more time your money has to grow.

Example:- If your corpus is  52.4  Lacks (as from above SIP calculation ) and you start withdrawing  Rs. 4.62 Lakhs  per year beginning from same year following your 60th birthday, your corpus will last till 80th  birthday till your total corpus gets exhausted. In monthly term it turns to be Rs. 38,500 per month.
Lump sum withdrawal will give 52.40 Lakhs only @ 60th birthday while SWP will give 4.62*20 = 92.44 Lakhs over 20 Years of SWP.

Other Benefits of Systematic Withdrawal Plans

Disciplined Withdrawal - Discipline is the key to successful withdrawals. When you withdraw through SWP, you commit yourself to withdraw regularly. Residual investment is a step towards attaining your financial objectives.

Flexibility - While it is advisable to continue SWP withdrawals with a long-term perspective, there is no compulsion. Investors can discontinue the plan at any time. One can also increase/ decrease the amount being withdrawn.

Long-Term Gains - Due to rupee-cost averaging and the power of compounding SWP have the potential to deliver attractive returns over a long investment horizon.

Convenience - SWP is a hassle-free mode of withdrawal. You can issue a standing instruction to your mutual fund to facilitate auto-credits to your bank account from Mutual Fund. In old age you do not need to go to post office for withdrawal in schemes like SCSS and Post MIS.

SWP have proved to be an ideal mode of withdrawal for retail investors who do not have the resources to pursue active withdrawals.