About

Why Mutual Funds:

The financially risk averse tend to invest in Fixed Deposits. The real rate of return (Actual interest less inflation) is very low and at most times negative. This is further compounded by the income tax that is payable on the interest earned even if they are cumulative deposits. Further interest rates fluctuate wildly, and funds get locked up at non beneficial rates. At the other end of the spectrum are the high-risk taking group, who need this high return to quickly grow and address their needs. This category of customers is ill suited to trade in shares but are tempted to do so.

The solution to both types who represent the extreme ends of the spectrum is the Mutual Fund industry (MF). The
benefits of investing through MF is:

  • Experts handle the investment decisions.
  • Active Management of funds.
  • Benefit of large scale.
  • High liquidity.
  • No taxation unless redeemed.
  • Power of compounding.

We at Aparyapta, will handle only the investment services and would use the services of SEBI registered Research Analysts. We will provide you with the requisite access so that you can track your investments constantly. This will be supplemented by periodical reports that will be comprehensive in covering the financial health of your investment, but we will also help you track your financial goals and your current status on that journey.


Why Insurance:

Today this would be a no brainer but we, at Aparyapta feel that insurance, especially Life insurance is currently sold as Investment solution rather than as pure play insurance. The errors in choosing the right insurance can not only be costly but are mostly non correctible.
We at Aparyapta, will explain the consequences of each option you choose irrespective of the effect of your choice
on our commission.


Why Lending:

Much as we would like to live within our means, there will be occasion when we would have to borrow. Those averse to borrowing generally tend to spend out of their savings. This reduces their over all wealth as they would have to rebuild their savings.


We at Aparyapta, will help them evaluate loan options and choose an optimum solution to address their needs. Currently many opportunities are available where money can be borrowed especially at reasonable rates against financial assets like Mutual Funds and Insurance Policies.