SERVICES

Multiple financial products & services under one roof

Comprehensive Solutions for Direct Taxes and GST Compliance

Smart Financial Solutions for Every Stage of Life

Saraf & Associates is a comprehensive Financial Services Firm dedicated to helping individuals, families, and businesses secure their financial future. We offer a range of solutions including mutual fund investments (led by our AMFI Registered Certified Mutual Fund Distributor, Ms. Rashi Chopra), insurance advisory, seamless will registration, creation of family trusts, and expert tax advisory on investments.

Start Your Investment Journey

Our Offerings

Personal Finance Facilitators

1. Mutual Funds Investments

Achieve your financial goals with mutual funds. Our services are designed to help you select and manage mutual fund investments that align with your objectives. Our Chief Financial Officer, Ms. Rashi Chopra – an AMFI Registered Certified Mutual Fund Distributor with over a decade of corporate experience – leads our efforts to empower individuals, families, and businesses to build their wealth through careful selection and diversification of mutual fund portfolios.

  • Systematic Investment Plans (SIPs) for steady wealth creation.
  • Lumpsum investments to capitalize on growth opportunities.
  • Portfolio diversification to balance risk and returns.

Disclaimer:

Saraf & Associates facilitates investments in mutual fund products. Ms. Rashi Chopra, our Chief Financial Officer, is an AMFI Registered Certified Mutual Fund Distributor. She is responsible for assisting clients in selecting suitable mutual fund schemes based on their financial goals and risk profiles. We are not SEBI Registered Investment Advisors (RIA) and do not provide comprehensive investment advisory services on a wide range of securities or fee-based financial planning. Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns.

2. Insurance

  • Comprehensive life insurance plans.
  • Risk management strategies for individuals and businesses.
  • Retirement planning and pension schemes.

3. Will Registration & Estate Planning Support

  • Assisting with the creation and registration of wills to secure family wealth.
  • Creation of private family trusts for asset protection and inheritance planning

4. Tax Advisory on Investments

  • Minimizing tax liabilities through strategic investments.
  • Advisory on tax-saving instruments and plans.

BENEFITS

Benefits of our financial services

Expert Facilitators

Facilitating transactions basis data-driven insights for better decision-making.

Goal-Oriented Solutions

Scheme selection based on investor goals and risk profiles

After-Sales Support

Nomination, KYC updates, portfolio review

Ethical Practices

Prioritizing investor interest, transparency, and fairness.

Risk Management

Assessing the investor's risk profile, explaining the risks, and helping diversify the portfolio

Tax Efficiency

Legally minimise tax liabilities

HELP CENTER

Frequently Asked Questions and Answers

A mutual fund is a professionally managed investment fund that collects capital from multiple investors to invest in diversified assets, including equities, bonds, and money market instruments. Mutual funds operate by pooling funds from investors, which are then allocated to different asset classes by professional fund managers to generate returns while managing risks.

  • Diversification: Reduces risk by investing across various asset classes.
  • Professional Management: Expert fund managers oversee asset allocation and investment decisions.
  • Liquidity: Mutual funds offer ease of entry and exit compared to direct investments.
  • Tax Efficiency: Certain mutual funds provide tax-saving benefits under specific regulations.
  1. Define Investment Objectives: Identify financial goals and risk appetite.
  2. Select the Right Fund Category: Choose from equity, debt, or hybrid mutual funds.
  3. Start with SIPs or Lump Sum Investment: Determine the best investment strategy.
  4. Monitor and Rebalance Portfolio: Regularly review holdings and reallocate assets as needed.

India’s mutual fund industry offers diverse investment options catering to different risk appetites and wealth objectives.

Equity mutual funds primarily invest in stocks and aim for long-term capital appreciation.

  1. Large-Cap Funds: Top 100 companies by market capitalisation.
  2. Mid-Cap Funds: Companies ranked 101st to 250th by market capitalisation.
  3. Small-Cap Funds: Companies ranked 251st and beyond by market capitalisation.
  4. Sectoral & Thematic Funds: Focus on specific industries or investment themes.

Debt funds are ideal for conservative investors seeking steady returns with lower risk.

  • Liquid Funds: Short-term investments with high liquidity.
  • Corporate Bond Funds: High-quality corporate debt instruments.
  • Government Bond Funds: Sovereign securities for risk-free returns.
  • Dynamic Bond Funds: Adjust investments based on interest rate movements.

Hybrid funds combine equity and debt exposure to offer a mix of stability and growth.

  • Aggressive Hybrid Funds: Higher equity allocation for growth.
  • Conservative Hybrid Funds: More debt allocation for stability.
  • Balanced Advantage Funds: Dynamic allocation based on market conditions.

SIP, or Systematic Investment Plan, is an investment approach where a fixed amount is invested in a mutual fund at regular intervals, such as monthly or quarterly.

  • If you want to mitigate market volatility.
  • If you prefer a structured and consistent approach to investing.
  • If you wish to leverage compounding benefits over time.
  • When markets are at a lower valuation and expected to rise.
  • When there is a surplus fund available for a long-term investment.

All Mutual Fund Schemes offer two plans- Direct and Regular. In a Direct Plan, an investor has to invest directly with the AMC, with no distributor to facilitate the transaction. In a Regular Plan, the investor invests through an intermediary such as distributor, broker or banker who is paid a distribution fee by the AMC, which is charged to the plan.

Thus if an investor chooses to invest directly through the Direct Plan, she may get marginally higher return on account of savings in expenses, but she would not be able to avail of distribution and related services of an intermediary.