SK Advizors

Mutual Funds – Your Path to Diversified Investing

At SK Advizors, we believe that **mutual funds** are the most effective way for individuals to grow wealth in a disciplined, transparent, and diversified manner, pooling money for professionally managed investments.

6 Core Benefits of Mutual Funds

🧑‍💼

Professional Management

Experts manage the portfolio, saving you from constant monitoring.

🌐

Diversification

Your money is spread across multiple securities, reducing overall risk.

🔄

Flexibility

Options for equity, debt, hybrid, or multi-asset funds based on your needs.

💧

Liquidity

Easy to buy and sell with transparent pricing.

💰

Low Entry Barrier

Start investing with small amounts.

Understanding Mutual Fund Taxation

💹 Equity Fund Tax Rules

**Short-Term (Held < 1 year):** 20% tax on gains.
**Long-Term (Held > 1 year):** 12.5% tax on gains above ₹1 lakh per year.

📘 Debt Fund Tax Rules

**Short-Term (Held < 2 years):** Taxed as per your income tax slab.
**Long-Term (Held > 2 years):** 20% tax with the benefit of **indexation** (inflation-adjusted).

Our Approach to Mutual Fund Planning

🎯 Goal-Based Investing – We match funds to your goals (retirement, education, wealth creation).

📈 Risk Profiling – Investments are chosen based on your comfort with risk and time horizon.

🔍 Portfolio Review – Regular monitoring and rebalancing to keep your portfolio on track.

🤝 Full Transparency – You always remain in control with clear reporting and access.

Key Concepts: SIP, SWP, and STP

**Multiple Ways to Invest:**
**SIP (Systematic Investment Plan):** Invest small amounts regularly to benefit from **rupee cost averaging** and long-term wealth creation.
**SWP (Systematic Withdrawal Plan):** Ideal if you want regular withdrawals. Fixed amounts are credited to your account at set intervals.
**STP (Systematic Transfer Plan):** A smart way to reduce risk in volatile markets—your lump sum is first invested in a liquid fund and then gradually shifted to equity.

Mutual Funds – FAQs

Mutual funds are regulated by SEBI (Securities and Exchange Board of India) and managed by professional fund managers. While they carry market-linked risks, choosing the right category based on your goals and risk profile makes them a safe and disciplined way to grow wealth.

Both have their benefits:

SIP (Systematic Investment Plan): Best for beginners and salaried individuals. It allows you to invest small amounts regularly and benefits from rupee cost averaging.

Lump Sum: Ideal when you have a large amount to invest and want to put it to work immediately.

At SK Advizors, we guide you on the right approach depending on market conditions and your goals.

Yes, most mutual funds offer high liquidity—you can redeem your investment anytime. However, some schemes may have exit loads (small charges if withdrawn before a set period) and tax implications. We help you plan withdrawals in the most cost-effective and tax-efficient way.

No. You only need to be KYC compliant with a valid bank account. At SK Advizors, we simplify the process and help you invest online without the need for a demat account.

Equity Funds (≥65% in equity):

Sold within 1 year → 15% tax on gains.

Sold after 1 year → 10% tax on gains above ₹1 lakh.

Debt Funds (<65% in equity):

Sold within 3 years → Taxed as per your income tax slab.

Held for 3+ years → 20% tax with indexation (inflation-adjusted).

The right fund depends on your goals, time horizon, and risk appetite. For example:

Short-term needs → Debt or liquid funds.

Long-term wealth creation → Equity funds or hybrid funds.

At SK Advizors, we design a personalized mutual fund strategy that suits your lifestyle and financial objectives.

Equity Funds – For long-term growth.

Debt Funds – For safety and stability.

Hybrid Funds – Mix of equity + debt.

Multi-Asset Funds – Invest in multiple asset classes.

Thematic Funds – Focused on specific sectors/themes.

Disciplined Wealth Growth