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About Us

While laying the foundation of ‘Invest4wealth’ we dreamt of setting up a truly honest client orient practice. We want our client to ‘Celebrate Life with Invest4wealth’ as we driven by the passion of touching their lives and not just managing their wealth. Invest4wealth Financial Services started in the year 2000 to help clients to achieve their financial goals with effective and smart investment planning with our experience and guidance. We are Certified Financial Goal Planner (CFGP ) which is world’s most Prestigious Certification, recognized in India by American Academy of Financial Management India (AAFM). We are certified Mutual Fund and Insurance Consultants recognized by AMFI (Association of Mutual Fund in India) and IRDA (Insurance Regulator and Development Authority). Financial Planning is the key to achieving your financial goals. We will evaluate your situation and help you determine which strategies are right for you. We also help our clients how they protect the Risks of Everyday Life. Providing health awareness programs to support the wellness of our clients and other community members. Our facility offers a wide variety of Financial Education for all. We know that Well-Being is strengthened by Positive Attitude, Action and Knowledge. We hope our offering assist you on your path to a Healthy Lifestyle. Services We Provided: Wealth Creation/ Protection Services Estate Planning Services Retirement Planning Tax Planning Child Future Planning (Education & Marriage) Mobile Application/ Online Portfolio Sampooran Suraksha (Life, Health & General) And Many Other Services.............. Products We Deals: Mutual Funds Life Insurance Health Insurance General Insurance Home Loans

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Features

Family Account

Access your family member's Portfolio
with one single login

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Transact Online

Invest Online in Lumpsum or SIP
in mutual fund schemes.

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Save Tax

Check out Tax Savings
and Invest into ELSS Funds

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Reports

View your current market value,
your profits & losses.

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Calculators

Calculate the amount of wealth
required for your goal

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Factsheet

Explore Mutual Fund schemes
and their performance

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Focused Funds

Check out our recommended funds
and invest into them

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Market Views

Get monthly market outlook
from the experts

E-Locker

Upload and save
your important documents.

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Mobile App

Manage your wealth & track your family’s portfolio with one single login. You can easily and quickly invest in Mutual Funds from the app. Explore funds, view their performance and invest. Start an SIP or invest Lumpsum. Check out our recommendation of funds under Focused Funds. Whether you made profits or loss, check out from the reports. Simply Login and setup a 4 digit PIN for subsequent login so that you don’t need to enter your Username & Password every time. Download Now!

Mutual Funds

What is a Mutual Fund?

A Mutual Fund is a trust that pools the savings of a number of investors who share a common financial goal. It is essentially a diversified portfolio of financial instruments - these could be equities, debentures/bonds or money market instruments. The corpus of the fund is then deployed in investment alternatives that help to meet predefined investment objectives. The income earned through these investments and the capital appreciation realised are shared by its unit holders in proportion to the number of units owned by them. Thus a Mutual Fund is a suitable investment for the common man as it offers an opportunity to invest in a diversified, professionally managed basket of securities at a relatively low cost.

You could make money from a Mutual Fund in three ways:

  • Income is earned from dividends declared by Mutual Fund schemes from time to time

  • If the fund sells securities that have increased in price, the fund has a capital gain. This is reflected in the price of each unit. When investors sell these units at prices higher than their purchase price, they stand to make a gain

  • If fund holdings increase in price but are not sold by the fund manager, the fund's unit price increases. You can then sell your Mutual Fund units for a profit. This is tantamount to a valuation gain

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Market Views

Key Market Events:

 

  • The Gross Domestic Product continued its downward spiral for the seventh consecutive quarter, falling to 4.5 per cent in the second quarter (July-September) of the year 2019-20
  • CPI inflation jumps to 4.62% in October 2019. Core CPI inflation dips to 3.44% in October 2019
  • Wholesale prices in India rose by 0.16 percent year-on-year in October of 2019, slowing from a 0.33 percent gain in the previous month and compared with market expectations of a flat reading.
  • The fiscal deficit for the period April-October was recorded at 102.4% crossing the full year target underlining the fiscal concerns for the government
  • India’s trade deficit narrowed to $11.01 billion in October from $18.0 billion a year ago, the trade ministry said on Friday, helped by lower oil imports.
  • Industrial growth shrunk for the second straight month in September, contracting by 4.3%, the most in nearly 8 years. The slide was mainly due to poor performance in the manufacturing sector, according to official data released on Monday.
  • India’s Manufacturing PMI rose to 51.2 in November from 50.6 in October, indicating little improvement in health of the sector.
  • The Union Cabinet approved the sale of the government's stake in BPCL, SCI, and Concor, as well as decided to cut shareholding in select public sector firms below 51%.

Debt Outlook:

 

  • The head line spiked as expected however the core data plunged to 3.44 which is a clear indication of a demand slowdown. As per the RBI outlook this is likely to stay in the range for coming year which is very positive for the rates cycle.
  • Brent crude oil fell back to ~US$60-62 per barrel despite all global news which took higher how ever its has cooled down faster than expected reflecting underlying weak demand i.e. slow world economy
  • The GDP growth was pegged at 4.5% which was marginally lower than consensus despite heavy lifting form the government spending. This will give RBI enough reason to go for the cut again. The only question arises is whether the cut is of 15bps or 25 bps.
  • India is probably preparing for inclusion in JP Morgan EM bond index. This will be a huge positive for long bonds
  • Liquidity is in huge surplus mode but market is yet to price this new phase. Positive liquidity is a more important tool than repo rate cut.
  • Global bond yields of developed economies continue to remain low or in the negative zone. This may lead to a chase for sovereign assets which are still offering high real rates sooner than later probably the index inclusion may act as a trigger
  • We expect at least 50-75 bps cut in the policy rates in FY 20. Market may still be in denial mode which gives a window of opportunity for the long term investors
  • In a nut shell key driver for returns will be corporate spread compression or flattening of the yield curve. It will start with AAA/PSU followed by NBFC/HFC like Bajaj/HDFC and then it may percolate to lower grade NBFC and other corporate bonds.
  • We believe that the investment opportunity in short duration bond funds, banking and PSU funds, credit funds and dynamically managed duration funds is still present and become more attractive. Investors may look to invest in the funds depending on the scale of risk appetite and the investment horizon.

Key Market Events of October 2019

 

  • India moved from 77th to 63rd position in the World Bank's Ease of Doing Business rankings this year.
  • In line with expectations, RBI MPC delivered a 25bps rate cut (taking cumulative cut to 135bps in 2019) and provided a strong forward guidance for further rate cuts to support growth
  • US Fed cuts policy rate by 25 bps, but signals pause in easing cycle
  • GST collection declined 5.29 per cent to Rs 95,380 crore in October 2019, in comparison to the same month last year.
  • Headline CPI rose to 4% yoy in September primarily led by vegetable price inflation
  • Aug IIP declined 1.1% yoy (capital goods -21%, consumer durables -9.1%), sharpest fall in industrial output growth since Feb’13 reinforcing fears of a structural slowdown and deteriorating consumer sentiment.
  • India Manufacturing PMI came in at 51.4 in September 2019, unchanged from the previous month's 15-month low.
  • Sep Trade Deficit narrowed to $10.9bn as deterioration in import growth outweighed exports. Import growth fell to a 3-yr low on lower oil, gold and capital goods whereas exports weakness was more broad-based.
  • The Union Cabinet raised Dearness Allowance of ~5mn government employees and ~6.5mn pensioners by 5% costing the exchequer approximately ~Rs160bn.
  • The International Monetary Fund (IMF) downgraded growth of the global economy. In the October World Economic Outlook, IMF forecast a 3 % growth in 2019, the slowest pace since the global financial crisis. It also estimated that the U.S.-China trade tensions will cumulatively reduce the level of global GDP by 0.8 % by 2020.
Ms Shibani Kurian - Head Of Research and Equity Fund Manager, Kotak Mutual Fund shares her outlook on the Indian equity market, the month gone by, sector outlook and strategies to focus on going forward.
09/12/2019 12:08:50
Ms. Lakshmi Iyer, CIO (Debt) & Head Products, shares her outlook on the Debt Market. She shares her view on the monetary policy, its impact on the bond market, Liquidity in the banking system, the way forward and strategies to focus on.
09/12/2019 12:08:19
Ms. Lakshmi Iyer, CIO (Debt) & Head Products, shares her outlook on the Debt Market. She shares her view on the month gone by, debt markets, liquidity, the way forward and strategies for investors to focus on.
20/11/2019 07:19:43
 

Contact Us

Phone +91 769 621 2126, +91 981 401 2126
Email invest4wealthpro@gmail.com
Address: SCO-218-19, Cabin No. 404, Level 4, Above ICICI Bank

Sector-34 A, Chandigarh