About Us

Welcome to Saksham Investments

At Saksham Investments, we are more than just mutual fund distributors; we are your trusted partners in navigating the complex world of investments. With over 25 years of experience in the securities market, we have built a solid foundation of expertise and integrity, serving a diverse clientele that includes High Net Worth Individuals (HNI) and Ultra High Net Worth Individuals (UHNI).

Our Mission

Our mission is to empower our clients with tailored investment solutions that align with their unique financial goals. We believe in fostering long-term relationships based on trust, transparency, and exceptional service. Our commitment to excellence drives us to continuously enhance our offerings, ensuring that we provide the highest level of value to our clients.

Our Expertise

With a robust team of seasoned professionals specializing in market research and portfolio analysis, we pride ourselves on delivering insights that matter. Our experts stay ahead of market trends, enabling us to craft personalized investment strategies that maximize returns while managing risk effectively.

Tailored Solutions for Every Investor

Understanding that each investor has distinct needs, we offer customized solutions across various categories of mutual funds. Whether you are looking to grow your wealth, preserve capital, or achieve specific financial objectives, our dedicated fund managers work closely with you to develop strategies that meet your requirements.

Our Values

  • Credibility: We uphold the highest standards of professionalism and ethical conduct. Our clients can trust that we act in their best interests at all times.
  • Transparency: We believe in open communication and provide our clients with clear insights into their investments. You will always know how your portfolio is performing and the rationale behind our strategies.
  • Value Addition: Our goal is to enhance your investment experience. From comprehensive financial planning to regular portfolio reviews, we are dedicated to adding value at every step of your investment journey.

Join Us on Your Investment Journey

At Saksham Investments, we are committed to helping you achieve your financial aspirations. Let us be your guide in the ever-evolving landscape of investments. Together, we can build a prosperous future.

Contact us today to learn more about how we can assist you in reaching your financial goals.

Vision

To become a trusted entity in your service, create financial awareness and education and offer you with our best.

Mission

To build your holistic financial portfolio by keeping our promise ‘Building Better Future’.

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Our Services

Mutual Funds

Investing in mutual funds is a smart option to grow your wealth. Mutual funds pool money from various investors to buy a diversified portfolio of stocks, bonds, and other securities. This diversified approach reduces risk and allows you to benefit from professional fund management.
Mutual funds offer an easy entry point into the world of investing, making them an excellent choice for both beginners and experienced investors. With mutual funds, your money is managed by skilled fund managers who analyze the market and select the best investment opportunities.
Types of Mutual Funds

  • Equity Funds: These funds primarily invest in stocks and offer the potential for high returns.
  • Debt Funds: Debt funds focus on bonds and fixed-income securities, providing stability.
  • Hybrid Funds: These combine equity and debt, striking a balance between risk and return.
  • Index Funds: Designed to replicate a specific market index, offering broad market exposure.

Key Features:

  • Professional Management: Skilled fund managers make investment decisions.
  • Diversification: ?Spread your risk across various assets.
  • Liquidity: Easily buy and sell fund units as per your needs.
  • Transparency: Regular updates on the fund's performance.
  • SIP Option: Invest a fixed amount regularly for financial discipline.

Mutual funds provide a flexible and convenient way to grow your money over time. Start your investment journey today for a brighter financial future.

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Demat Account

A Demat account simplifies the process of buying, holding, and selling securities by converting physical certificates into electronic form. It eliminates risks associated with physical securities, such as theft, damage, and loss. With a Demat account, you can manage all your investments, including stocks, bonds, and mutual funds, in a single platform.

Types of Demat Accounts:

  • Regular Demat Account: For residents who intend to invest and trade in securities within the country.
  • Repatriable Demat Account: Designed for Non-Resident Indians (NRIs), allowing them to transfer funds abroad through NRE (Non-Resident External) accounts.
  • Non-Repatriable Demat Account: NRIs can use this type of account to invest in securities, but funds cannot be transferred abroad. It is linked to an NRO (Non-Resident Ordinary) account.

Features of Demat Accounts:

  • Safe and Convenient: Offers a secure way to hold securities in electronic form, reducing the risk of theft or loss.
  • Paperless Transactions: Eliminates the need for physical certificates, streamlining the entire trading and investment process.
  • Easy Access and Management: Manage and monitor your portfolio from a single platform, with 24/7 access.
  • Quick Transfer of Securities: Facilitates the fast transfer of securities between buyers and sellers, ensuring smooth transactions.
  • Cost-Effective: Reduces the costs involved in handling, storing, and maintaining physical certificates.

Opening a Demat account is a must for hassle-free, secure, and efficient management of your investments. Whether you are an individual investor or an NRI, a Demat account is key to safeguarding and managing your financial assets.

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Retirement

Retirement happens to be one of the most important life-stage goals, if not the most important! Yet, most of us do not plan prudently to ensure we have a happy and hassle-free post-retirement life. One of the studies by Tower Watson (an US-based Consultancy Company) mentions that 78% of Indians don’t save enough for their retirement.

Retirement is increasingly becoming more pertinent now due to some of the following reasons:

  • Increasing cost of living due to high inflation: Implication – Individuals have to save smartly to beat inflation
  • Increasing Life Expectancy: Implication – Individuals have to ensure that the retirement corpus is fairly large to support the long post-retirement life
  • Lack of formal Social Security System: Implication – Individuals cannot hope for external support for their retirement
  • Move towards a Nuclear Family System: Implication – Individuals have to ensure that they fend for themselves

Retirement is a fairly long-term goal, which requires careful considerations and planning. A 30-30 rule of thumb says an individual earns for 30 years, to provide for 30 years of post-retirement life where the individual’s income would have stopped, yet the need to maintain similar life style exists.

Introducing: Tailor Made   Retirement Fund

We are happy to introduce to you a Retirement Fund – a one-stop Equity & Debt Oriented Retirement Solution with an aim to help your staff save & accumulate for enjoying their post retirement life.  Retirement Fund encourages them to start saving for their post retirement life from the young age. The scheme provides flexibility to the investors to select or change their asset allocation anytime, depending on their changing risk profiles and investment requirements. Along with the fundamental concept of encouraging investors to prudently save for their retirement, the scheme combines various facilities such as Step-up, Auto Transfer, Auto SWP, etc., in order to help them effectively meet their retirement objectives. The product has 5 years lock-in, to instill discipline amongst investors towards staying invested for the longer term.

Key Features of the Fund:

  • Retirement Fund offering equity-oriented solution
  • The Fund will have 2 Schemes: (Both the Schemes will have different portfolios)
  • Wealth Creation Scheme - Equity Oriented (65%-100% in Equities)
  • Income Generation Scheme - Debt Oriented (5%-30% in Equities)
  • Note - The Fund allows unlimited switches between the two schemes, without any exit load
  • A host of features for investors to suit their exact requirements
  • The Fund has been notified as a Pension Fund under Section 80C(2)(xiv) of the Income Tax Act, offering tax deductions for investments up to Rs. 1.5 Lakhs.

What is in it for your staff?

Your staff can follow 3 simple steps for an effective Retirement Planning using Retirement Fund            

  • Step 1: To SAVE prudently, the Fund offers the flexibility to choose asset class, depending on the actual requirement
  • Step 2: To ACCUMULATE a healthy retirement corpus, the Fund offers an option to increase SIP through STEP UP Facility in the underlying schemes (Wealth Creation & Income Generation Scheme)
  • Step 3: To ENJOY post retirement life, the Fund offers AUTO SWP Facility and other Liquidity Benefits

We believe Retirement Fund can help your staff effectively meet their retirement goals, by allowing them to invest into equity / debt-oriented asset class, depending on their requirements, and combining them with features and facilities to suit their actual requirements.
An individual could use the Fund to save, say, Rs.5000 per month for 30 yrs, accumulate a retirement corpus of ~Rs.3.5 crores at age of 60 and enjoy a post-retirement pension of ~Rs.3 Lakhs per month for 30 years!!

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Tax Planning

Tax planning involves strategic financial moves aimed at reducing tax liabilities while maximizing savings within established financial regulations.
Objectives of Tax Planning:

  • Tax Minimization: Decrease taxable income through lawful means.
  • Savings Maximization: Utilize deductions for increased savings.
  • Compliance Assurance: Adhere to financial laws while optimizing savings.

Strategies for Tax Planning:

  • Section 80C Investments: Utilizing deductions under Section 80C for investments like PPF, ELSS, etc.
  • Tax-Saving FDs: Investing in Tax-Saving Fixed Deposits under Section 80C for tax benefits.
  • National Pension System (NPS): Availing tax benefits under Section 80CCD for contributions to NPS.

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Equity

Equity advisory services assist you in making informed investment decisions in the stock market, maximizing potential returns while managing risks. These services help you build and diversify your equity portfolio, ensuring that you take advantage of market opportunities while aligning your investments with your financial goals.

Types of Equity Advisory:

Growth Investing:

  • Focuses on investing in companies with high potential for growth, aiming to achieve long-term capital appreciation.

Value Investing:

  • Targets undervalued stocks that are trading below their intrinsic value, offering potential for steady returns over time.

Income Investing:

  • Concentrates on stocks that provide regular dividends, ensuring a steady income stream for investors.

Small-Cap Investing:

  • Involves investing in smaller, emerging companies with high growth potential, which may offer substantial returns with higher risk.

Large-Cap Investing:

  • Involves investing in well-established, large companies with stable earnings and lower risk compared to smaller companies.

Features of Equity Advisory:

Personalized Investment Strategies:

  • Equity advisory services tailor investment strategies based on your individual risk tolerance, financial goals, and market conditions.

Diversification:

  • Helps in creating a diversified portfolio across various sectors and industries, minimizing risks while maximizing returns.

Expert Guidance:

  • Provides expert insights and market analysis to guide your investment decisions, helping you navigate complex market dynamics.

Regular Portfolio Reviews:

  • Ongoing monitoring and adjustments to your portfolio ensure that your investments remain aligned with your financial goals and market changes.

Risk Management:

  • Identifies and manages risks within your equity portfolio, using strategies such as stop-loss orders and asset rebalancing to protect your investments.

Esdee Finmart offers personalized equity advisory services designed to help you make informed, confident investment decisions. With expert analysis and tailored strategies, we assist you in navigating the stock market to achieve your financial goals.

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Child Future Planning

Investing in your child's education is one of the most important decisions you can make. It not only helps them acquire knowledge but also equips them with the skills necessary for a successful future. At Peepee Investments, we offer tailored financial solutions designed to help you save for your child's educational expenses effectively.

Our Children Education plans are structured to ensure that you can comfortably meet your child's educational goals, whether it’s for school, college, or professional courses. With flexible options and expert guidance, you can create a secure financial foundation that supports your child's aspirations.

Types of Children Education Plans:

1. Child Education Savings Plans

These plans are designed to help parents accumulate savings over time for their child’s education.

They offer guaranteed returns and allow for regular contributions.

2. Child Investment Plans

These are investment-linked plans that provide the potential for higher returns through market investments.

They typically include a combination of insurance and investment components.

3. Education Loans

Tailored loans to cover educational expenses, available at competitive interest rates.

Flexible repayment options that align with your financial situation.

Features of Our Children Education Plans:

- Flexible Contribution Options:

Choose the amount and frequency of your contributions based on your financial capacity.

- Goal-Based Savings:

Tailor your savings to specific educational milestones, such as school fees or college tuition.

- Expert Financial Guidance:

Our experienced advisors are available to help you navigate your options and create a personalized plan.

- Tax Benefits:

Enjoy potential tax deductions on contributions made towards eligible education plans.

- Secure Investment:

With a focus on safety, our plans ensure your capital is protected while still providing growth opportunities.

Investing in your child's education today can secure a brighter future for them. At Peepee Investments, we are committed to helping you achieve your financial goals with our comprehensive Children Education plans. Start your journey toward a secured future for your child—contact us today for personalized guidance and explore the best options available for you!

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FD & BONDS

Fixed Deposits (FD) and Bonds are popular investment options that offer steady returns with low risk, helping you grow your savings over time. Both are ideal for conservative investors looking for secure and predictable investment avenues.

Types of Fixed Deposits & Bonds:

Fixed Deposits (FD):

  • Provides a fixed interest rate over a set period, offering guaranteed returns upon maturity.

Government Bonds:

  • Issued by the government, offering low-risk returns over a fixed tenure, with periodic interest payments.

Corporate Bonds:

  • Issued by companies, typically offering higher returns compared to government bonds, but with a slightly higher risk.

Municipal Bonds:

  • Issued by local government entities, offering tax-free income and low-risk returns, ideal for conservative investors.

Debentures:

  • A type of corporate bond offering higher returns, secured against the company\\\\'s assets to provide safety to investors.

Features of Fixed Deposits & Bonds:

Low-Risk Investment:

  • Both FD and bonds provide predictable returns, making them ideal for risk-averse investors looking for stability.

Fixed Returns:

  • These investment options offer guaranteed returns, which are predetermined at the time of investment.

Tax Benefits:

  • Certain fixed deposits and bonds offer tax advantages, such as tax-saving FDs under Section 80C or tax-free municipal bonds.

Regular Income:

  • Investments in bonds may provide periodic interest payouts, making them suitable for investors seeking a regular income stream.

Liquidity Options:

  • Fixed deposits typically have a lock-in period, but bonds are often more liquid, allowing for trading in the secondary market.

Esdee Finmart offers a wide range of Fixed Deposit and Bond options, helping you make the most of your savings with stable returns. Whether you\\\\'re looking for a safe investment or seeking higher returns, we provide tailored solutions that align with your financial objectives.

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Portfolio Management Services

Portfolio Management Services (PMS) offer personalized investment strategies designed to meet your financial goals. With expert guidance and tailored portfolios, PMS helps investors navigate market fluctuations and achieve sustainable growth.

PMS involves managing your investments by professional fund managers who create a customized portfolio based on your risk tolerance and investment objectives. This service aims to maximize returns while minimizing risks, allowing you to focus on your financial future.

Types of Portfolio Management Services

  • Discretionary PMS:
    • The fund manager has full authority to make investment decisions on your behalf.
    • Suitable for investors who prefer a hands-off approach.
  • Non-Discretionary PMS:
    • You retain control over investment decisions, with the fund manager providing advice.
    • Ideal for investors who want to be actively involved in their investment strategy.

Features of Portfolio Management Services

  • Personalized Investment Strategy: Tailored portfolios based on individual financial goals and risk tolerance.
  • Expert Management: Professional fund managers with extensive market knowledge and experience.
  • Regular Performance Monitoring: Continuous tracking and adjustment of portfolios to optimize performance.
  • Comprehensive Reporting: Detailed reports on portfolio performance and market insights.

Start your journey towards financial growth today with our Portfolio Management Services. Contact us now to learn how we can help you achieve your investment objectives.

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Alternative Investment Funds

Alternative Investment Funds (AIFs) are a popular investment vehicle that provides opportunities to invest in assets beyond traditional equities and bonds. Designed for sophisticated investors, AIFs allow individuals to diversify their portfolios and access unique investment opportunities, including private equity, hedge funds, and real estate.

AIFs are categorized into various types, each with its own investment strategy and risk profile:

  • Category I AIF:

    These funds invest in sectors that are considered economically and socially beneficial, such as start-ups, small and medium enterprises (SMEs), and infrastructure. They are generally less risky and have a lower return potential.

  • Category II AIF:

    Category II AIFs are typically used for private equity investments. They do not have specific investment restrictions and focus on generating medium to high returns, albeit with a higher risk.

  • Category III AIF:

    These funds employ diverse strategies, including complex financial instruments, to maximize returns. They tend to be more aggressive in their investment approaches, often involving higher risks and potential for significant returns.

The key features of AIFs include:

  • Diverse Investment Opportunities:

    AIFs offer access to a wide range of asset classes, including real estate, commodities, and private equity, enabling portfolio diversification.

  • Professional Management:

    Managed by skilled fund managers, AIFs leverage their expertise to identify and invest in high-potential opportunities.

  • Regulatory Oversight:

    AIFs are regulated by financial authorities, ensuring compliance with established standards and protecting investors\\\\\\\\' interests.

  • Customizable Strategies:

    Investors can choose AIFs based on their risk appetite and investment objectives, tailoring their investment strategies accordingly.

AIFs present a unique investment opportunity for sophisticated investors looking to diversify their portfolios and explore alternative asset classes. With the potential for higher returns and professional management, they can be an integral part of an investor\\\\\\\\'s strategy. Explore our AIF offerings today to start your investment journey!

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FAQ's

What is SIP?

SIP, or Systematic Investment Plan, is a popular method of investing in mutual funds. It allows investors to contribute a fixed amount at regular intervals, typically monthly. SIPs are designed to make investing easy and affordable for people with different financial goals and risk tolerance.

What is the minimum amount for SIP?

The minimum amount for SIP can vary based on the mutual fund scheme and the fund house. However, many mutual funds offer SIPs with a minimum investment of as low as Rs 500 per month, making them accessible to a wide range of investors.

When is the right time to invest in SIP?

The right time to start a SIP is now. SIP investments benefit from the power of compounding, where your money earns returns on both the principal and accumulated earnings. Time in the market is more crucial than timing the market. By starting early, you give your investments more time to grow.

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Rani Singh

These exceptionally knowledgeable experts have remarkably transformed my finances, securing my future, and significantly boosting my investments. They come highly recommended for their unwavering trustworthiness and results-driven approach. Their exceptional service removes financial planning stress, ensuring a prosperous future.

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Impressed with their financial expertise, they've significantly boosted my investments, leading me to financial success. Highly recommended for stability and growth. They've made a significant difference in my financial journey, and I can wholeheartedly vouch for their exceptional services.

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These knowledgeable experts have transformed my finances, securing my future, and boosting investments. Highly recommended for their trustworthiness and results-driven approach. Their exceptional service ensures a prosperous and satisfying financial journey, and I am exceptionally satisfied with their consistently exceptional services.