Plan your investment
What Our Plans Cover
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A single purchase into the chosen...
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Units allotted at the applicable n...
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Access to the full range of equity
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Additional purchases into the same...
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Redemption at any time
Who Can Consider This Plan?
- Indian resident individual, HUF, trust or company
- NRIs, subject to the fund house accepting the country of residence
- Completed KYC with a registered KYC registration agency
- PAN, which is mandatory for all mutual fund investments
- A bank account in the investor's own name for transactions
What May Not Be Covered?
- Any protection against the market falling after you invest
- Any guarantee of return
- Averaging of your entry price, which only an SIP or STP provides
- Redemption without exit load inside the stated period
- Withdrawal from ELSS schemes inside the three-year lock-in
Always check the policy wording before you commit.
Why Choose Wealth & Covers?
- Expert advice to choose the right plan
- Plans from leading investments companies
- Hassle-free process and documentation
- End-to-end support, including claim assistance
- Dedicated relationship manager
- Expert Guidance Personalised advice from experienced investments professionals.
- End-to-End Support From choosing the right plan to claim assistance, we are with you always.
- Claims Assistance Hassle-free claim support to ensure you get what you deserve.
- Transparent Process Clear information, easy documentation and a hassle-free experience.
Overview
A lumpsum investment puts a single amount into a fund in one transaction. It is the simplest way to invest and, in a rising market, the most effective, because the whole amount is exposed to the market from the first day.
That same characteristic is its risk. All of the money enters at one level, and if that level turns out to have been a peak, the entire investment carries the fall. There is no averaging to soften it.
For money that has arrived in a lump — a bonus, a maturity, a property sale — the practical question is whether to invest it all at once or stage it. Neither answer is universally right. What is universally true is that the decision should follow your horizon and your tolerance for a fall, not a view about where markets are going.
Who should consider it
Investors with money that has arrived in a lump and a horizon long enough to absorb volatility. Investors moving between funds. Anyone with an existing corpus to deploy after a maturity or a sale.
Investors uncomfortable with the idea of the whole amount falling in the first month should consider staging it through a systematic transfer plan instead.
Benefits
- The full amount is invested and working from day one
- A single transaction with nothing to monitor monthly
- Suits money that has genuinely arrived as a lump
- No mandate or recurring instruction to maintain
- Efficient for moving between funds or rebalancing
- Full participation if markets rise from the entry point
What is included, and what is not
Read the right-hand column first. It is the one that tends to surprise people later.
Included
- A single purchase into the chosen scheme
- Units allotted at the applicable net asset value
- Access to the full range of equity, debt and hybrid schemes
- Additional purchases into the same folio at any time
- Redemption at any time, subject to exit load and lock-in
Not included
- Any protection against the market falling after you invest
- Any guarantee of return
- Averaging of your entry price, which only an SIP or STP provides
- Redemption without exit load inside the stated period
- Withdrawal from ELSS schemes inside the three-year lock-in
Terms vary between providers and between plans from the same provider. The offer document you receive is what governs — we will walk you through it before you commit.
How it works with us
- 1 Goal and horizon before fund selection What the money is for and when you need it decides the asset class. The fund name is the last decision, not the first.
- 2 Risk profiling that is honest rather than flattering Capacity to take risk and willingness to sit through a fall are different things. We assess both, because the second is what breaks plans.
- 3 Shortlist built on process, not last year's return Mandate, expense ratio, fund manager tenure and how the fund behaved in a bad year. Past performance is not a forecast.
- 4 KYC, onboarding and the first investment One-time KYC, then the folio and the mandate. We set up the SIP so it runs without depending on you remembering.
- 5 Review annually, rebalance deliberately A yearly review against the goal, not a monthly reaction to markets. Most damage in investing is self-inflicted.
Important considerations
The things a brochure tends to leave out. Read these before you decide.
- Match the horizon to the asset class. Equity money you may need in two years is money in the wrong place, however good the fund.
- If the amount is large relative to your total portfolio, consider staging it through a systematic transfer plan rather than entering in one transaction.
- Do not time the entry on a view about markets. Nobody does this reliably, and waiting for a better level is how money sits in a savings account for three years.
- Check the exit load period before investing. Redeeming inside it costs you a percentage of the value.
- Mutual fund investments are subject to market risk. The value of your investment can fall, and past performance does not indicate future returns.
Documents required
- PAN card
- Aadhaar or other identity proof
- Address proof
- Cancelled cheque or bank account details
- Recent passport-size photograph
- Completed KYC, or KYC documents to complete it
- FATCA and nominee declaration
Frequently Asked Questions
Should I invest a lumpsum or start an SIP?
If the money has genuinely arrived as a lump — a bonus, a maturity, a sale — the question is whether to deploy it at once or stage it. A systematic transfer plan does the latter, moving money gradually from a liquid fund into equity. If you would be uncomfortable seeing the whole amount fall in the first month, stage it.
Is it better to wait for markets to fall?
It sounds sensible and rarely works. Waiting for a better entry level is how money sits idle for years while the market moves away. If your horizon is long, entry level matters far less than time invested; if your horizon is short, equity is the wrong place regardless of level.
What is exit load?
A charge deducted if you redeem within a stated period, commonly a percentage of the value within the first year on equity schemes. It exists to discourage short-term money, and it is worth checking before investing rather than at redemption.
How much should I invest at once?
An amount you will not need within your stated horizon, and one whose fall you could sit through without selling. Those two constraints matter more than any view about the market level.
Is my money safe?
Mutual fund investments are subject to market risk. The value can fall as well as rise, there is no guarantee of return, and past performance does not indicate future results. What a fund offers is diversification and professional management, not protection from markets.
Want a shortlist instead of a catalogue?
Tell us the situation and an advisor comes back with two or three options that actually fit — and names what each one gives up.