“The best time to plant a tree was 20 years ago. The second-best time is now.”

There is no reason why one should delay your investments, except, of course, when there is no money to invest.

Financial planning is a process of analysing a person's current money situation and monetary goals, as well as strategies to achieve those goals. A financial plan may be created independently or with the help of a certified financial planner. 

In either case, it begins with a thorough evaluation of the individual's current financial state and future expectations.

1. Determine Cash Flow: You can't create a financial plan without knowing where your money is going every month now. Documenting it will help you see how much you need every month for necessities, how much might be left for saving and investing, and even where you can cut back a little (or a lot).

2. Consider Your Priorities - The core of a financial plan is a person's clearly defined goals. They may include funding a college education for the children, buying a larger home, starting a business, retiring on time, or leaving a legacy.

Your current net worth = Total assets - Total liabilities

Your assets: This may include a home and a car, some cash in the bank, money invested in a PF/Pension plan, and anything else you own of value

Your liabilities: These may include credit card debt, student debt, an outstanding mortgage, and a car loan

Though we believe retirement is unique to an individual and their families, there are some basic guidelines one can follow: 

1. Start saving / investing for retirement from the day you start working

2. Ensure to save & Invest, then spend what is left

3. Make budgets and stick to them

4. Make sure your liabilities are taken care of before you retire

While there is a myth that there are “best investment plans” out there, we hate to break it to you that there is no such thing! Every person’s needs, wants and aspirations are different. There is no "one size fits all" formula. One must choose investment options that best suit their lifestyle, preference, personal & family objectives etc. 

Talk to a qualified and seasoned investment/financial planner who will be able to help you ascertain investment options and asset classes that suit you best.

An ideal investment is a combination of different asset classes (equity, debt, gold, savings, cash, real estate) in line with your risk and time horizon to make your money grow and meet your goals.

Yes, so are Overnight Funds, Liquid Funds and other debt funds. Liquidity Requirements are paramount to an investor. Allow us to guide you through these options.

Check if your KYC is completed and registered

If KYC is not Registered, you can initiate it here through the e-KYC portal

Upload soft-copy of the necessary documents like PAN copy, Address proof etc.

Fill out the application form online

Verify your details

Submit application and complete the investment process by initiating payment towards the mutual fund scheme.

There are a few ways in which one can access or invest in shares of listed companies:

Equity mutual fund: By selecting a fund that gives you the desired equity exposure in a professional and convenient manner 

Portfolio Management service / AIF: For an investor who can afford to invest Rs.50 Lacs in PMS and Rs.100 Lac in AIF or more to invest in a unique equity basket  

ULIPS: Insurance plans which have underlying equity exposure 

Share Broking / Direct share purchase : Open a demat and trading opening with a broker and starting buying with your own research or research provided by your broker/advisor 

A Systematic Investment Plan (SIP) lets you invest specific amounts of money for a specific period at regular intervals to gradually build a large corpus.  By investing in a SIP, your investments get disciplined.

The advantages of investing in mutual funds are:

Liquidity to enter and exit anytime

Diversification for spreading risk

Expert fund management

Flexibility to invest in smaller amounts

Accessibility – easy to invest Schemes for diverse financial goals

Safety and Transparency

Tax Benefits

Yes, however there is a minimal 0.5-1.5% charge, we are completely transparent with our brokerage structure and do not charge any extra fees for financial advice .

GERMINATE INVESTOR SERVICES LLP IS A MUTUAL FUND DISTRIBUTOR (MFD) in accordance with the extant regulations (SEBI circular: SEBI/IMD/CIR No. 4/ 168230/09) . The following are the details of the comparative commission earned by GERMINATE INVESTOR SERVICES LLP from various fund-houses, whose products are being distributed:

Asset Class and typical brokerage structure

1. Equity & Equity oriented schemes (ELSS, Hybrid funds, Balanced funds, Balanced Advantage funds, Equity Savings) – 0.05-1.50%

2. Index Funds and Exchange traded funds (ETF) – 0.25-0.75%

3. Arbitrage Funds- 0.50%- 0.90%

4. Fund of Funds (FoFs) & International Funds – 0.20%-0.50%

5. Debt/Fixed Income Funds: Liquid Funds, Cash funds & Overnight Funds 0.05% - 0.20%

6. Debt/Fixed Income Funds, Debt Funds, Low Duration Funds, Ultra Shorts- term Funds & Short- term Funds 0.10%- 0.75%

7. Debt/ Fixed Income Funds: Long Term Funds (GILT & Income Funds) 0.25%-1.00%

8. Debt/ Fixed Income Funds: Fixed Maturity Plans (FMP) 0.10%-0.50%

Note: This information collation is on a best effort basis and Income details are updated based on brokerage communication received from AMCs. The commission details will be regularly updated on this website and customers are advised to check the same before making any investment. Neither the Company nor its affiliates will be responsible for intimating customers of any change in this Schedule of Commission other than by way of posting the information on this website. 

The above-mentioned rates are subject to change without any prior consent and at a discretion and agreement between GERMINATE INVESTOR SERVICES LLP and the respective AMCs.