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Stay Wealthy

Stay Wealthy

Gyaata strongly promotes the habit of saving and advices client for Regular, Incremental Saving vis e vis incremental income and right choice of product under different asset class .We believe financial discipline leads us towards achieving financial dreams in systematic manner.
Our investment philosophy

  • Diversification of investments across asset class,to minimize risk with maximization of return
  • Discipline approach of regular investment
  • Never invest or sale in haste
  • Spend time on investment and balance and rebalance the portfolio investment on periodic basis

Our investment offering is mix of equity and debt products

We recommend saving of small sum regularly in the stock market through mutual fund's SIP to balance market fluctuations. In last 15 years average return on Mutual Fund scheme is 22.78% p.a.

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Mutual Funds
Mutual Funds Cycle

What is equity Mutual fund?

It is the pool of money collected from various investors to invest in stock market with the help of fund manager, who is experienced and his recommendation is based on research.

Salient features of equity as an asset class

  • Equity as an asset class has generated consistent returns in excess of 22% over period of past 15 years.
  • The growth of equity as an asset class is higher as compared to other assets, because the corporate growth in developing economy is much higher as compared to developed country.
  • Stock market provides opportunity to invest in equities of corporate having growth story and also experiencing growth.
  • As compared to other asset class equity is cyclical in nature, thereby it requires the investor to stay invested for longer tenure.
  • We think that India will continue to be on growth path & corporate growth will remain in double digit at least for next decades.

We recommend investor for “Systematic Investment Plan” to maximize the returns on their investments. Why “Systematic Investment Plan”?

  • It is a tool that allows you to invest in mutual funds through small periodic investments
  • It induces the habit of compulsory saving and we recommend investing on incremental basis.
  • It can be done daily, weekly, monthly & Yearly basis and it helps in reducing the risk of market timing.



  • Invest regularly preferably on monthly basis.
  • Invest the amount on regular interval, which ensures higher saving & gradual exposure to stock market.
  • Since exit is equally important as entry, on achieving benchmark return, one should take an exit from the portfolio.
  • Invest into different themes based upon market condition if market is low; invest more in blue-chip base MF, when the market just picks up invest in midcap MF.


  • Do not check the portfolio returns on regular basis as fall in market instigate fear and hasty decisions results in unwarranted losses

“Warren Buffet philosophy” Be fearful when others are greedy and greedy when other is fearful. Never be driven by market sentiments remain invested till you get complete cycle to be over & One reached to the desired expected returns (obviously it should be based on past track record)

We recommend fixed and incremental SIP over lump sum investment as it neutralize the fluctuation of the market.
There are themes of Mutual funds .The portfolio of the fund is built on the basis of these themes .The decision to invest in any of these themes depends purely on investor risk profile and market conditions.
Some of the popular fund themes.

Large Cap

Theme: such MF invest in large cap & blue chip stocks, which over period of time balance the market fluctuation. Thereby provide decent returns in long run. It generally run in tandem with sensex.

Dynamic Fund

Theme : such MF generally churn the portfolio very often, they believe on warren buffet philosophy that ‘ Sell when everyone buys & Buy when everyone sell”.
Investment in stocks : Generally value buying large cap & mid cap stocks

Discovery Fund

Theme : Invest in emerging businesses / the companies which is undervalued and market has not recognized the same.
As when market recognize its true value, the stock multiply

Midcap Fund

Theme : Most stocks held in a mid-cap fund are firms with established businesses that are still considered developing companies. These funds tend to offer more growth than large-cap stocks and less volatility than the small-cap segment.

Dividend Yield

Theme: Such MF invest into stocks which has regular dividend payment track record and distribution of good dividend yield by the companies

Fixed Deposit

Fixed deposits of banks and corporates

People perceive fixed deposit as 100% safe government investment product issued by banks. But in reality these are deposits not only raise by banks but also by certain corporates (subject to getting license from RBI), NBFCs, cooperative banks & societies.

FDs of corporates V/s FDs of Public sector banks and private sector banks
FD’s issued by public sector banks & private sector banks are considered to be safe as compared to co-operative bank’s and corporate FDs. However there are certain corporates which can be considered equally safe as public sector banks & private sector banks based on rating done by rating agencies

For example credit rating by CARE (a rating agency)
AAA: - Level of safety equals to the top-level public sector banks like SBI, BOB, and PNB etc.
AA: - Level of safety equal to banks like Allahabad bank, Dena bank etc.

FDs of corporates verses FDs of Public sector banks and private sector banks

There is misconception that FD’s issued by cooperative banks are as safe as that of public sector banks. There are several instances where cooperative banks/societies had collected huge deposits from the public at higher rates, and defaulted in making the interest & principal payments.

Companies, which are, rated AA or more by rating agencies are as safe as bank FD’s as these kind of rating denotes negligible chances of default.

We recommend investing in such FD’s, as it provides 2-3% more returns than the bank FD.

Non convertible debentures

Non convertible debentures

What are Non-convertible debentures?
NCD is a form of fixed deposit bearing fixed coupon rate & maturity time. NCDs could be listed & un-listed.

(Generally we avoid recommending un-listed debentures since those are not rated. Without rating it would be difficult to understand the financial health of the companies & its repayment capacity)
Why listed NCDS?
Listed NCD are required to be rated by at least two rating agencies and are reviewed periodically even post its issuance till the time of its maturity. Downward change in rating cautions the investor about the safety of the investment so that he could take corrective measures well in advance.

  • Listed NCDS are traded on exchanges (BSE and NSE) like shares and hence provide liquidity, could be sold without any hassles in case of emergency.
  • Listed NCD also provide higher yield in case of downward interest rate cycle.
  • Interest earned on NCDs is not liable for TDS as in the case of fixed deposits /unlisted NCD.
  • Further if anyone has view on interest rate cycle, he could buy such securities from the market & sell at premium in case the market moves to his expectation. Even if the market doesn’t moves as per his expectation then also he is safe with his principal & earn yield, keeping the same till maturity



Mostly bonds are issued by government.
Infrastructure Bonds: -

Certain infrastructure financial institutes promoted by the government issue bonds at coupon rate moreover equals to bank FD rates but with the additional tax benefits u/s 80C up to certain limits. Such limits are being defined as per income tax law & reviewed every year in the budget.

Tax free Bonds: -
These are issued by companies promoted by government .The coupon rate of such bonds is equal to bank FD rates. Since these bonds are Tax free, pre tax return on such bonds is very high especially if investor is of 30% tax bracket. The pre tax returns on such instrument goes anywhere between 12.5-13%, which is much higher as compared to FD rates.

These bonds are listed and traded on exchanges (BSE&NSE), hence highly liquid and can provide fund in case of emergency. These securities are issued by government companies and are very safe. Keeping this security in DEMAT form add to its benefit. In the event of maturity & interest payment the amount directly credited to the investors account

  • Generally fixed income instruments are not vulnerable to stock market fluctuation and provide fixed rate of return over period of time.Traditionally people used to invest in the following fixed income securities:
    • Fixed Deposit with banks
    • National saving Certificate (NSC)
    • PPF etc
  • Currently there are better options available in the market which provides better returns than traditional product with same level of security as follows:

    • AAA or AA rated corporate bonds
    • Tax free bonds
    • Listed Non convertible debenture with option to sale in the market
We recommend Fixed deposits and NCDs of various companies based on its credibility and credit rating.

Sovereign Gold Bonds
Gold Bonds

Salient Features:

  • They are issued by the RBI
  • The bonds are denominated in a multiple of grams of gold with a basic unit of 1 gram.
  • The bonds are sold through notified banks and post offices.
  • Minimum Investment - 2 units i.e. 2 grams.
  • Maximum Permissible Investment - 500 grams per person per fiscal year.
  • Tenure - 8 years with exit option from 5th year.
  • Interest - 2.75% p.a. payable semi-anually on initial value of investment.
  • Taxation - Interest income is taxable and Capital Gains on sale will be taxed.
  • Collateral - The bonds can be used as collateral to loans
  • The bonds will be tradable on exchanges.
  • Issue and Redemption Price - Simple average of Gold's closing price during the previous week

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