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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
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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

  • India Inc over the last 3 years has seen multiple shocks – from demonetisation to key reforms like GST, RERA etc to credit freeze in aftermath of wholesale NBFC unable to get access to credit to current lockdown amidst the global supply and demand shock unleashed by Coronavirus. In the long journey of corporate India, these events almost seems like a big RESET button. A call to significantly change business practices, realign key business priorities in a changing landscape and massive consolidation across sectors.

 

  • ·       Covid19 – while initial impact was localised to Chinese economy and therefore the supply shock given large export from China, the spread of virus globally now risks creating a demand shock as well. While global coordination of policy makers and containment of virus and improvement in drugs to counter will reduce the longer term impacts of this shock, near-term demand and supply chains remain frozen amidst a significant drop in economic activity.

 

  • ·       While Indian government & RBI have announced few measures, we expect more measures to be announced given the unprecedented nature of events led by Covid 19. Amidst this uncertainty, Indian equities have seen large up and down moves in recent months.

 

  • ·       While near term uncertainty induces volatility in asset prices, in the long run, wealth creation in equities is a function as how businesses can profitably grow over their cost of capital sustainably. Given the long-range of reforms introduced as well as likely relief measures by government & RBI, we believe longer-term prospects of Indian equities is quite encouraging and we would advise investors to benefit from such induced volatility.

 

  • ·       Time in the market is more important than timing the market - recently, markets volatility has moved up and investors can benefit from this volatility by focusing on disciplined investing and asset allocation.

•       One of the biggest fallouts of the Covid crisis was seen in April with oil prices (WTI Crude) going into negative territory as inventory buildup, due to lack of demand, created a storage problem in the oil markets.

•       The lock down in India has been extended for the second time in India till the 17th of May, however several concessions were provided based on the classification of the entire country into Green, Orange and Red zones, depending on the number of cases in each region.

 

•       In the mutual fund space, Franklin Templeton wound up 6 of their debt schemes with over 30000 Crs of AUM as of 31st Mar 2020, citing inability to meet redemptions due to market liquidity conditions as a result of the Covid-19 crisis.

 

•       Earlier during the month RBI has announced several measures including a cut of reverse repo rate by 25 bps to 3.75 percent, LTRO 2 of 50000 cr that could be lent to NBFC’s and MFI’s

 

•       The current Gsec yield curve is quite steep. However we do expect further RBI action to introduce some amount of flattening.

 

·         The geo-political Risk which was triggered due to Coronavirus in Wuhan has become the 6 sigma event as feared. The slowdown fears are quickly becoming a reality.

·         The falling commodity prices and bond rally globally will help keep Indian rates lower.  This is positive for trade deficit however due to equity selloff INR will remain under pressure, which is manageable as RBI has enough reserves to fight the same.

·         If India continues to remain relatively unaffected from the COVID-19, it could spell positive for the country in attracting capital, tourism and jobs.

·         We believe we have seen peak of inflation in February  2020 with head line CPI at 7.59% . However based on current prices we expect the same to ease off to 7% and gradually trend towards the comfort zone. This will be positive from interest rates point of view given the overall environment inflation is what will be chased globally

·         The RBI announced LTRO worth 1lac cr which was much potent tool than a rate cut and we believe this LTRO will pull down and anchor the short term rates much closer to overnight rates as 1 Lac cr of fresh money will lead to at least 2-3 lac cr worth of demand for assets leading to spread compression.

·         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. 

Weekly Market Round Up : An overview of last week's market. #KMFMarketRoundUp (15th May 2020 - 22nd May 2020)
26/05/2020 13:59:07
Kotak Standard Multicap Fund – It’s Focused! A fund that strives to focus on the most promising sectors in the ongoing market cycle across market capitalisation.
21/05/2020 06:33:09
Growth Option With SWP - An Attractive Solution By Ms. Lakshmi Iyer, CIO (Debt) & Head Products.
19/05/2020 14:11:08
 

Contact Us

Phone

+91 769 621 2126 +91 981 401 2126
Email invest4wealthpro@gmail.com
Address: SCO-218-19, Cabin No. 306, Level 3, Above ICICI Bank

Sector-34 A, Chandigarh