Frequently asked Question

How do you help me

Investment planning is a process of creating a smart plan for your investments based on your risk-taking propensity, time frame for which you wish to invest, and the purpose of your investments that could include funding your retirement or buying your favorite car or holiday to your favorite exotic destination

Investment planning ensures that you invest into products that have liquidity (easy withdrawal) and the ability to earn healthy returns.

If you are earning money, you would definitely need investment planning  not because we say so. Those who save their hard-earned money periodically and plan their investments lead a more peaceful and fulfilled life compared with those who overlook planning.

Investment planning helps you get effective answers to the following questions:

  • Who you are as an investor and the level of risk that suits you?
  • What are your most important goals and how do you plan to achieve them?
  • How much money do you need to start saving periodically to achieve your goals?
  • What are the asset classes that suit you based on your risk profile?
  • How to identify top performing investment schemes inside an asset class?
  • How to track your investments and take periodic actions such as invest more, rebalance

Get started

We have 2 simple choices for you:

  1. Expert Advice: Our experts have designed a smart risk profiling system for you, which helps you understand your risk profile, create your life goals, and invest based on your risk tolerance and goal tenure. Our smart algorithm helps you create your own customized investment plan without any hassles.
  2. OR

  3. Self-Invest: Invest directly in some of the top mutual funds recommended by our Research Desk or search for a fund of your choice, which you believe is good for you.
You can invest across five categories – Equity, Debt, Cash, Gold, and Tax-Savings (ELSS).
  1. Equity (mutual funds investing in shares)
  2. Debt (mutual funds investing in fixed income instruments)
  3. Cash (mutual funds investing in very short-term fixed income instruments and are highly liquid)
  4. Gold (mutual funds investing in Gold ETFs, which track the market price of gold)
  5. Tax Saving ELSS (mutual funds investing in shares, but giving you tax benefits u/s 80C of the Income Tax Act. These funds have a compulsory lock-in period of 3 years, yet this lock-in period is far less than the lock-in period of other tax-saving instruments such as PPF, NSC, and Life Insurance)
Rainy Day Fund/Emergency Fund will enable you to meet all your necessary expenses for the short period of time (around 3-6 months) when you are earning zero income due to job loss or any other health emergency. In the absence of this fund, you will either withdraw money from your long-term investments, which you had made for your retirement or child’s education, or you may choose to take a high-interest personal loan, which can prove to be very costly. Hence, financial experts always recommended you create a ‘Rainy Day fund’.

It’s always up to you. We at Investmentz do not want to restrict our clients to any specific investment tenure. Hence, while we enable you to plan for the long term, we have also ensured that you are able to withdraw your investments anytime.

We do this by researching and recommending only those top performing schemes that are free of any lock-in period and are open for withdrawal all the time. Only tax-saving schemes have a mandatory lock-in period of 3 years. All other recommended funds are open for withdrawal, though some may charge a small exit fee if withdrawn before 1 year or 2 years. At the time of withdrawal, you can either check online or call our customer care to know more about exit charges.

Yes. If you select Self-Invest and go to Tax-Saving, you will find all the top recommended tax-saving mutual funds (also known as ELSS).

Alternatively, if you select Expert Advice and create a Tax-Saving Goal, you will be offered tax-saving mutual funds for that goal.

Yes. We can help you plan and build your own Retirement fund that is able to provide you with a fixed pension after retirement or a pension that keeps increasing every year with inflation. Please

Note: We mainly help you plan and invest for building a retirement corpus. The pension that you will receive depends on where you invest your entire retirement corpus after your retirement.

Depending on your risk profile (ability to absorb losses that can arise due to ups and downs in the investment value) investors are divided into the following 4 broad categories:

Very Aggressive Investor: You believe that you can earn more in equity (shares) than anywhere else and know that the stock market can be ugly at times. You are comfortable with taking a high degree of risk in exchange for potentially higher long-term returns.

Aggressive Investor: You prefer taking medium-to-high degree of risk to achieve higher returns on your investments and are looking for a portfolio, which is not too high, but is slightly overweight on equity (stocks).

Moderate Investor: You like investing with a '50-50' outlook and want your investments to grow without taking high risks. Consequently, you prefer having a balanced portfolio, which doesn't rise very high when stock markets rise and vice versa.

Conservative Investor: Your primary objective is preservation of capital invested and you simply don’t want to lose much money when the stock market underperforms. Your goal is to participate in the stock market (equity) to a small extent.

Lumpsum means that the investor wants to make one single large investment compared with small investments every month. This is made by those who have substantial amounts ready to invest.
SIP (Systematic Investment Plan) means that the investor wants to invest a small amount every month to achieve his goals instead of investing a large amount at once.
You will invest the first SIP installment by Net Banking immediately and from next month, your registered bank account will be auto-debited for your selected SIP Amount. The debit will happen one day prior to your selected date.
Goals are the set financial targets that you wish to achieve, and are the reasons for which you are investing.
In the goals section, select any one goal of your choice from the readymade list (or create a completely new goal for yourself). Inside the goal, you need to enter some basic details such as tenure of your goal and amount that you have targeted to achieve. Based on this data, we will calculate how much amount you need to start investing every month to achieve your goal.
Currently, we help you calculate the amount of the life and health cover you would require, which would help you in deciding on the insurance plan. Going ahead, we plan to introduce the facilities of buying insurance directly on the Investmentz platform.
Currently, we do not provide share trading on this platform. As a SEBI-registered stock broker and depository participant we do have Demat and trading account facilities on this platform. To open a Demat account and avail our premium research services, simply call us on 022-28584545 or give a missed call on +91 8010968308.
Yes, you can. Login to our mobile friendly website - investmentplanning.investmentz.com

Making Your Investments

All your investments are made in the best performing mutual funds identified by ACMIIL’s Research and Analysis team. We consider quantitative and qualitative factors that would help our clients make profitable investments. We recommend mutual fund schemes through statistically robust methods without favoring any particular mutual fund scheme, ensuring that you invest in the best funds based purely on its past and current performance.

Process for finding top mutual funds involves:

  • Analyzing past performance of a wide range of mutual funds schemes
  • Understanding expenses charged by the funds, which affect the investors’ returns
  • Segregating funds into different baskets based on the type of assets that they invest in
  • Segregating funds into sub-baskets based on 'Risk Profile' and 'Tenure' of the instruments that they hold
  • Filtering funds that best suit your goals such as retirement, children’s education, and buying an own home
Yes, you can either accept the planned asset allocation shown under ‘Expert Advice’ and move forward with the recommended investment or you can edit the asset allocation as per your choice and proceed. Our idea is to always recommend you the best and at the same time, allow you the flexibility to take your own decisions if you feel confident about the same.
You need to create one or more goals for yourself to create an investment plan using ‘Expert Advice’. We strongly recommend investing with some goal in mind, since it allows you to stay disciplined with your investments for the long-term. This enables you to set a clear purpose before investing. If you still wish to invest directly, you can choose the Self-Invest option where you can view all the top schemes, select them, and invest in them directly.

Yes, you can alter your investment choices as per your preference. There is no compulsion of investing in all the 4 asset classes. You may choose to skip gold and cash, but we highly recommend that you at least choose equity and debt in your investments, since they would offer basic diversification for your investments. Investing in equity and debt will balance your portfolio, since debt refers to fixed income instruments, which are low risk, low return whereas equity refers to shares, which are high risk, high return (in equity, your funds are invested in top performing equity mutual funds, which invest directly in the best shares/stocks).

If your corpus available for investment is less, we will automatically recommend you only equity and debt and not all the 4 asset classes.

Yes, you can either accept the schemes recommended for you under Expert Advice and move forward or you can edit the scheme selection as per your choice. That said, our idea is to always recommend you the best combination of schemes and at the same time, give you the flexibility to take your own decisions
Go to ‘My Goals’ in main menu and select a particular goal and click on ‘Delete Goal’ for deleting a particular goal and for transferring the invested funds to another goal of your choice.
Your first investment installment is transferred through net banking and subsequent investments (in case of SIP) will be auto-debited from your registered bank account.
Every installment is locked for 3 years from the date of its investment. ELSS (Tax-Saving) mutual fund schemes don't allow you to withdraw your funds before completion of the 3-year lock-in period.
We don't charge any penalty for the same. However, as we auto debit your bank account on a selected date, if there is insufficient balance your bank may levy some charges for the auto-debit not going through. Kindly check with your bank.
We don't charge our customers for missing the due date. However, we suggest not to miss the payment date, since it will take more time to achieve your goals. For ex: If you delay the payment for 1 month, your date of achieving the goals will also be delayed by approximately 1 month.

About

“Investmentz” is the vision of Asit C. Mehta Investment Interrmediates Ltd (ACMIIL), part of Mumbai based Nucleus Group, jointly promoted by two stock market veterans, Mr. Asit C. Mehta and Mrs. Deena A. Mehta.

ACMIIL is one of the most trusted names in broking services in India. It is a corporate member of B S E Limited (BSE) and National Stock Exchange of India (NSE) and a DP with Central Depository Services ( India) Limited (CDSL). ACMIL offers a full bouquet of financial services. Established in 1986, ACMIIL is trusted brand among more than 1 lakh customers.

Head office: Mumbai 3rd Floor, A-Wing, Nucleus House, Saki Vihar Road, Andheri (E), Mumbai – 400072. Moreover, we also have our branches/sub-brokers in more than 150 locations.

A client who wishes to trade through our ‘Call-to-Trade’ number can call us at 022 – 28584444 (you will be charged applicable call rates as per your service provider) from Monday to Friday during 08:15 am - 04.30 pm.

For customer service, you can call us at 022 – 28584545 (call rates applicable as per your service provider) during 08:30 am - 5.00 pm on weekdays and 09:30 am - 01:30 pm on the 1st, 3rd, and 5th Saturday.

Pricing

We do not charge our valuable clients. All planning and investment services on this platform are free. Yes, we do receive commission from the respective mutual fund houses for the mutual fund schemes that you select to invest.
No. There are ‘0’ charges for account opening.

Extra Benefits

We send you monthly asset allocation alerts, which help you to take re-balancing decisions. Moreover, we will also send you auto-recommendations on re-balancing.
You can access your portfolio from our app/website. Moreover, we will provide quarterly performance report and monthly asset allocation alerts on your email.
The app is available for you on both the platforms. In addition to this, you can also use the app online (through browser) by going to investmentplanning.investmentz.com.

System and Security

To ensure complete safety of your payments and data, our website uses HTTPS (SSL Certification) for a reliable and secure online investment experience. All transactions are secured by 128 bit SSL encryption. SSL technology encodes information as it is being sent over the Internet, helping us ensure that the information transmitted remains confidential.
All your investments in mutual funds are registered with SEBI. We act as a platform, which enables you to do your investment planning. We provide you with smart recommendations before you proceed to invest.

KYC

Once we receive your signed form, it will take 1-2 working days.
Yes, you can invest online. You are required to make the first payment through net banking and your future monthly payments (in case of SIP) will be debited from your account one day prior to the date chosen by you
Yes, we will be happy to assist you with information and queries at 022 – 28584545 (call rates applicable as per your service provider). Customer service is available during 08:30 am - 5.00 pm on weekdays and 09:30 am - 01:30 pm on 1st, 3rd, and 5th Saturday.
Once you have completed your form filling online, we will mail you the completed form. You need to take the print of the same, sign on it, and send the physical form through courier/post to our Mumbai registered office address.
We are already in the process to launch a completely online account opening process for you, which includes e-sign, until then, applicants will have to courier the documents to us.
Yes, all existing clients of Asit C. Mehta Investment Interrmediates can login (using PAN or Client code) to invest directly without going through any KYC process.

After Investing

We provide you live status of all your investments. This includes the Invested Value, Current Market value, Profit & Loss %, Profit & Loss amount, etc. Moreover, we also provide live status of your goal, which will help you to know how far you have progressed in achieving your goal.
Yes, you do have the flexibility to make additional investments in between, as and when you have money. For Ex: if currently you are investing every month in an SIP of Rs. 10,000, you can either increase it to say Rs. 12,000 or even decrease it to say Rs. 8,000 as per your convenience. Moreover, you can even do a Lumpsum in between if you happen to get any bonus income, which you want to invest towards achieving your goals.
Yes, such flexibility is available to you. You can stop/pause your investment and can restart it anytime. At the same time, you also need to understand that due to this, your goals will be achieved later than the actual time requiried. For ex: If you stop/pause your investment for 6 months then your date of achieving the goals will also be delayed by approximately 6 months.
Your goal is achieved when the amount targeted by you is reached. Yet, investments into your goal will remain active unless you delete your goal.
In case of emergency you can withdraw the amount. For this, you need to go to “Portfolio”, click on “View All Schemes”, go to any specific scheme of your choice, and click on “Emergency withdrawal” inside the Action Menu for that scheme.
We don't charge anything for untimely withdrawal from your invested goals. However, some mutual fund schemes may have some charges for withdrawal before 1 year or 1.5 years. Please contact us or enquire before withdrawing money to avoid exit load charges from any mutual fund scheme.
You can call our customer service desk at 022 – 28584545 (call rates applicable as per your service provider) during 08:30 am - 5.00 pm on weekdays and 09:30 am - 01:30 pm on 1st, 3rd, and 5th Saturday.
Yes, you will be provided with quarterly performance report and monthly asset allocation status of your investment on your email.

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