Explore financial products with clarity.

A fund is a portfolio, not a promise.

Mutual funds pool investor money under a stated investment objective. Equity, debt, hybrid and index funds can behave very differently. SIPs spread contributions over time but do not eliminate market risk or guarantee a return.

• Consider your objective, time horizon and tolerance for fluctuations.
• Compare the scheme’s mandate, benchmark, expense ratio and riskometer.
• Read the scheme documents and understand exit loads and taxation.

Saashwat can help you navigate available product information. Distribution and advisory are different regulated activities.

Before you apply, examine the business.

An initial public offering lets eligible investors apply for shares before an exchange listing. Allocation is not assured. A listing price can be above or below the offer price, and a familiar brand is not a substitute for reading the prospectus.

• Review the use of proceeds, financial statements and stated risks.
• Understand the price band, lot size, application process and allotment rules.
• Make a long term case independently of expected listing gains.

Look beyond the coupon.

Non convertible debentures are debt instruments. A higher stated interest rate may come with higher credit, liquidity or interest rate risk. Terms differ by issuer and issue.

• Check credit information, security, seniority and issuer concentration.
• Examine the maturity, payout schedule and early exit possibilities.
• Read the issue document; a rating is not a guarantee of repayment.

Liquidity matters as much as price.

Unlisted shares can be difficult to value and resell. Transfers, settlement, disclosure and future listing are subject to conditions. They can be unsuitable for someone who needs near term access to their money.

• Understand the source of pricing, ownership and transfer process.
• Assess company information, concentration and potential loss.
• Never treat a possible future listing as a guaranteed outcome.