Frequently Asked Questions

Investeve was founded with the goal of supporting women and families in their financial journeys. This mission is crucial as more women become earning members of their families. Despite having their own income, many women still rely on family members to manage their finances. It’s essential for women to navigate the investment journey alongside their earning journey. Research has shown that women often excel as investors in many ways. We are excited to assist you and your family in your investment journey.
Everyone who earns needs to invest, yet awareness and education about investments remain low in India. This is why only a small fraction of Indians invest in options beyond Fixed Deposits, leading to suboptimal and tax-unfriendly investments. We will guide you through your investment journey from the start. We’ll help you determine your investible surplus through an Income Expense Analysis and create a plan based on your goals. As you progress with us, your understanding of investments will also improve.

When starting your financial planning, it’s essential to keep your investments and insurance separate. We suggest purchasing insurance to cover two primary risks: life and health. A straightforward term life insurance policy with a sum assured of ten to twenty times your annual income is usually adequate. For health insurance, a family floater plan that covers hospitalisation expenses typically meets the needs of most people.

On the other hand, mutual funds are versatile products that can address all your investment goals, whether short-term, medium-term, or long-term. They offer various product types to suit different age groups, financial situations, and risk preferences.

Providing a straightforward Yes or No answer to this question is challenging because it depends on several factors: the type of policy you have, when you purchased it, how many years of premiums you’ve paid, and the surrender value offered by the insurance company. If we manage your investments, we can help you understand these details about your policy and assist you in making an informed decision.

Women are central to our investment strategy. Both women and men bring unique strengths, and like many aspects of life, the financial journey can be more rewarding when undertaken together. As the woman of the house, it’s important for you to be aware of where the investments are made and to ensure there is adequate life insurance coverage in case of any unfortunate events.

While we are happy to assist your husband, we strongly encourage you to join the conversation. Don’t worry about not understanding the subject; we will keep our discussion jargon-free 🙂.

Yes, Mutual Funds allow you to invest in the name of your minor child by becoming the custodian of the account. It can be a great way to save for their higher education or marriage which are important investment goals for most parents.
Investing for the future doesn’t mean you can’t live life to the fullest now. Striking a balance between spending your money today and investing for tomorrow ensures you can maintain your lifestyle throughout your life. A thoughtful mix of essentials, enjoyment, and future planning will make your financial journey both fulfilling and sustainable.
Mutual Funds operate under strict regulations set by SEBI, the government regulator, ensuring that the interests of retail investors are prioritized. SEBI has also required all funds to be categorized by risk levels: Low, Low to Moderate, Moderate, Moderately High, High, and Very High. We assist our investors in understanding their risk tolerance and choosing appropriate funds. The likelihood of an investor losing all their money is virtually zero.
Direct equity investment is a skill that requires learning and expertise. Just as doctors, engineers, and IT professionals become experts through years of study and practice, equity fund managers dedicate years to mastering equity investments. Equity mutual funds allow you to benefit from this expertise while providing a better risk spread, as your investments are diversified across multiple companies simultaneously.
No, we cannot. We firmly believe that most derivative trading is highly speculative and that the majority of investors do not profit from it. According to a SEBI report, over 90% of investors in Futures and Options (F&O) lose money. We do not recommend engaging in such speculative investments, as it goes against our core principles.
Equity as an asset class has historically delivered high returns over the long term, despite short-term market volatility, known as Market Risk. This risk can be managed by staying invested longer and regularly reviewing your portfolio. Money needed within the next 6-7 years should not be invested in Equity. However, Equity is ideal for funds not needed in the short (2-3 years) or medium term (4-6 years). The chances of losing money in a diversified Equity Mutual Fund over seven years are practically nil.

Absolutely, you can. Mutual Funds are generally divided into two main categories: Equity and Debt. Equity Mutual Funds invest primarily in stocks and are suitable for investors looking for higher returns and willing to take on more risk. On the other hand, Debt Mutual Funds invest in fixed-income securities like bonds and government securities, making them a safer option.

If you are highly risk-averse and view Mutual Funds as a superior alternative to Fixed Deposits, we can assist you in investing solely in Fixed Income (Debt) Mutual Funds. These funds aim to provide stable returns with lower risk, making them an ideal choice for conservative investors seeking better returns than traditional Fixed Deposits while maintaining a low-risk profile

While retirement planning is indeed a crucial objective, it’s not the only reason to invest. You can also have short-term goals like buying a car or funding higher education, and medium-term goals such as purchasing a house. Starting to invest even a small amount towards these goals can make a significant difference over time. Watching your investments grow can also be a rewarding way to enjoy your money.

Debt Mutual Funds offer several advantages over Fixed Deposits, including partial liquidity without charges, the flexibility to add funds as needed, taxation only upon maturity leading to better compounding of returns, and risk diversification across multiple underlying securities. Depending on the type of Debt Fund you choose, you may also achieve better returns compared to a Fixed Deposit, along with these benefits.
When considering an investment in a mutual fund, it’s crucial to look beyond just past returns. While historical performance can provide some insights, it’s not the only factor to consider. Other important aspects include the consistency of the fund’s performance over time, the Assets Under Management (AUM), and a thorough risk-return analysis. These elements can give a more comprehensive view of the fund’s potential. An expert can evaluate all these factors, offering a more informed and balanced recommendation to help you choose the most suitable fund for your investment goals.
Absolutely, that’s one of our key services. We continuously review all mutual funds available in the market to identify the best options. It’s important to note that past returns are not the sole indicator of a fund’s performance. Other critical factors include risk-return analysis, the fund’s Assets Under Management (AUM), and the credibility of the fund house. These parameters are essential in determining whether a fund aligns with an investor’s needs.

Investments generally fall into two main categories: Equity and Debt (Fixed Income). While there are alternative investments like Gold, commodities, and Crypto, these should not dominate your portfolio. Asset allocation refers to the distribution of your investments among different asset types. Key factors in deciding your asset allocation include your age, financial situation, risk appetite and life goals.

To determine your risk tolerance and set appropriate goals, we'll start with a risk profiling and goal-setting exercise. Based on your risk appetite, we can then recommend a suitable asset allocation for your investments.

As your investments grow, your initial asset allocation may shift. It’s crucial to review and rebalance at least once a year, or twice if market conditions warrant. We will assist you with these reviews and rebalancing."
Complete confidentiality is maintained for all investors at all times. We ensure that no details about any investor’s investments or net worth are shared with anyone other than the investor themselves. This strict confidentiality policy is upheld to protect your privacy and provide you with peace of mind regarding the security of your financial information.
Absolutely. We prioritise your financial well-being above all else. We don’t offer products that promise unrealistic overnight gains. Instead, we adopt a methodical and systematic approach to managing your investments, ensuring consistency and reliability. Our commitment is to act in your best interest at all times, providing you with thoughtful, informed guidance to help you achieve your financial goals.
We don’t charge our clients directly. Instead, all Regular Mutual Fund plans come with an Expense ratio, which is publicly declared. This ratio covers the costs associated with managing the fund. A portion of this Expense ratio is shared with us as compensation for the services we provide. This way, our income is derived from the fund’s management fees, not from direct charges to our clients.”

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