Mutual Funds
Get easy access to virtually every mutual fund scheme from all fund houses in India. A very popular investment vehicle, a mutual fund scheme pools money from investors to invest in a diversified portfolio of stocks, bonds, or other securities, depending on the scheme's objective. Anyone can find a fund that aligns with their risk tolerance and investment objectives. Mutual funds provide diversification, reducing risk compared to investing in individual stocks or other securities. The returns provided by mutual funds are not guaranteed and depend on market performance.
Why to invest?
- Diversification by investing in a basket of assets and underlying securities
- Suitable for every investor, investment objective & risk appetite Professionally managed
- Variety of options to invest as per requirement
- Easy and convenient to manage
Portfoilo Management Service (PMS)
Get easy access to Discretionary & Non-Discretionary strategies. A PMS is a service that provides professional investment management with the objective of wealth creation, offering greater flexibility and customisation to investors. PMS can potentially offer greater control over your portfolio as compared to mutual funds. It is suitable for experienced investors and high-net-worth investors with a minimum investment amount of Rs.50 Lakh.
Why to invest?
- Suitable for HNI investors
- Flexibility & customisation
- Professional management
- Transparency
Loan Against Mutual Fund (LAS)
Get easy access to secured loans against your stock, bond, and mutual fund investments. This will ensure that your investments are not disturbed by any unexpected fund requirements. NJ is engaged in the loan distribution business and has partnered with NBFCs to offer loan products 100% digitally. Products available are term loans, consumer loans, and flexi-loans. All loan applications are approved & sanctioned by the NBFCs or banks registered with the RBI.
Why avail LAS?
- Easy, convenient, and a fast process
- Better terms and lower costs compared to personal loans
- Avoid early exits and continue to grow your investments
- Save capital gain taxation
Sovereign Gold Bonds (SGBs)
Invest in digital gold with SGBs, a safe and convenient alternative to physical gold. Backed by the government, SGBs can be purchased in grams of gold, which can be liquidated at the prevailing gold price at maturity. SGBs help eliminate the hassle of storage and purity concerns and minimise the risk of loss or theft. They also offer a guaranteed interest payment, adding to your returns. SGBs are suitable for investors looking to invest in an alternative to physical gold and as an asset to diversify investments.
Why to invest?
- Safe investment with the backing of the government
- Regular income in the form of interest payments
- Diversification of portfolio
- Convenience and freedom from risks & hassle of physical gold
- Possibility of capital appreciation in the long term
Equity & Exchange Traded Funds (ETFs)
Get easy access to equities and ETFs in the capital market. An ETF is similar to an investment fund, having a basket of multiple stocks or other securities traded on the stock exchange. It is suitable for experienced and knowledgeable investors willing to take risks, research, and invest directly in the equity markets. To invest in equities and ETFs, you will have to enable the Capital Market segment in your NJ E-Wealth Account, as per guidance from an NJ Wealth Partner.
Why to invest?
- Suitable for experienced investors with a high-risk appetite
- Flexibility and full control over investments
- Portfolio exposure, concentration, and diversification as desired
- Potential for higher returns but with higher risk
National Pension Scheme
Get easy access to NPS, a government initiative towards social security designed to provide financial security in the golden years of retirement with market-linked investment solutions. It is suitable for anyone looking for a long-term investment plan for retirement with a better balance of risk and potential for higher returns than traditional products. The contributions are invested in a mix of asset classes as per the option chosen.
Why to invest?
- Government backing
- Suitable for risk-averse investors d
- Additional tax savings on investment
- Potential for better returns
- Diversification of your retirement portfolio
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