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Learn » Using FundsIndia » What is FundsIndia? How can I use it?

What is FundsIndia? How can I use it?

FundsIndia is an investment service. We help people invest their savings in ways that will benefit them in the long run. The primary investment products that we offer are mutual funds from various mutual fund companies in India. Apart from this we also offer deposits from different companies, equity market trading and National Pension System (NPS).

When we say we are an investment service what we mean is that investors can use our online platform (FundsIndia.com) to actually make, monitor, and manage their investments. We are not a "content" site - we don't just provide market data, news and articles about investing. An investor can actually open an investment account with us, and invest money by linking to their bank account. After they invest, they can also monitor their portfolios and withdraw money when they see fit.

FundsIndia offers many innovative features and services apart from being a convenient online platform that is available 24x7 for investments. FundsIndia can be used by any kind of investor - from a novice investor who is not familiar with mutual funds to an expert investor who follows the market and invests efficiently.

Here is how you can use FundsIndia effectively depending on the type of investor that you are:

If you are a beginning investor...

If you are just starting out with your investment career and want to use FundsIndia for this purpose, we recommend that you use the following services on our platform:

1. Pre-packaged portfolios - where we have put together our experts' recommendations as portfolios that you can invest in even if you don't know where to invest.
2. SIP portfolio designer - Our simple, yet powerful SIP portfolio designer which will help you create your own SIP portfolio with the help of our advisory recommendations. Just a few easy to answer questions, and the system will create a portfolio that is best suited for your requirements. Even if you have just Rs. 1000 to invest every month, you can use this system to help suggest funds for you.
3. Free Advisory appointments - you can always set-up an appointment with our Partner services to ask for help. an partner will call you at a time of your convenience and counsel you with regards to your specific needs and aspirations.

If you have some experience...

If you have made some investments in mutual funds (may be tax saving funds), and have one or two SIP going, you can still use the services for the novice investor (especially The Partner y appointments). However, there are some more services that might interest you:
1. Alert SIP - Using this method of systematic investments, you can initiate a SIP schedule without ECS mandates. We will send you alerts when your SIP is due, and you can login and complete your transaction using your net-banking account. You will also have the flexibility to change the amount on a monthly basis
2. Portfolio SIP - Why invest in a single scheme using your SIP, when you can invest in a whole portfolio? With Portfolio SIP, you can do asset allocation across different schemes, and invest in goal-oriented portfolios in a systematic manner.
3. Easy Transfer - Consolidate your mutual fund investments in one place - use our easy transfer facility to migrate your existing mutual fund investments to your FundsIndia account for ease of management and monitoring.
4. Using "Portfolios" to organize - FundsIndia offers the method of organizing your investments in portfolios - groups of holdings - that can be used very nicely as an organizational tool. Whether you have 5 funds or 50 funds, portfolios can be used to group them in meaningful buckets that can be monitored separately.

If you are an expert investor...

If you have a significant mutual fund portfolio and are an astute follower of the markets, FundsIndia offers certain services for you that will further enhance the efficiency of your investments.

1. Flexi SIP - This method of SIP gives you the option to change the amount of investment between a pre-set range of amounts on a monthly basis. It lets you invest more or less depending on either your affordability or your perception of the market climate.
2. Value-averaging investment plan - Using VIP, you can put the markets to work for you by changing your investment amount monthly based on the performance of your scheme. By setting up an expected rate of return and a maximum amount for your investment plan, the system will automatically figure out the amount to be invested on a monthly basis to try and optimize the rate of return of your portfolio.
3. Value-averaging transfer plan - VTP is similar to VIP, but uses a source liquid fund to effect the value-averaging algorithm. With this method, you can effectively deploy lump-sums in the market efficiently.
4. Triggers - FundsIndia offers a variety of triggers - market-based or scheme data based - that can be used by investors to make investment decisions. You can use triggers to monitor the market conditions to either invest or redeem your funds. You can also use triggers to monitor the growth of your investments to make similar decisions.

These are but some of the more prominent ways for different types of investors to use FundsIndia. A mature platform, FundsIndia offers even more - a financial planning engine, several SIP calculators, portfolio analysis tools, etc. - that makes the process of investing as informed and effective as it can be.