Mission Samriddhi
From the MD and CEO's Desk
A message for those who serve
Some responsibilities are carried quietly, for years, without applause. Financial well-being also grows through steady and consistent discipline. On Kargil Vijay Diwas, Navneet Munot highlights the purpose of why Mission Samriddhi exists, and how it aims to empower the men and women in uniform.
The silent enemy that weakens your savings
Inflation is a strategic threat that erodes purchasing power over decades. Understanding its impact is the first step in mounting a defense.
The above table/pictorial/chart is shown for illustrative purpose to explain the concept.
Source: RBI Handbook of statistics on Indian Economy
*Average CPI inflation for 5 years from 31st March 2021 till 31st March 2025 – 5.26%, 15 years from 31st March 2011 till 31st March 2025 – 6.05%, 20 Years 31st March 2006 till 31st March 2025 – 6.46%
Are you investing in the right asset mix?
Align your portfolio by giving distinct roles to different asset classes based on your financial goals, liquidity needs and risk profile.
Liquidity
- For short-term needs or emergency needs
- Fund Category: Liquid Funds / Low Duration Funds
Time horizon for short-term goals can vary from a week to up to 3 years. For these goals, liquidity and capital preservation are key. These funds are commonly used for emergency expenses, short-term cash requirements, or temporarily parking surplus funds with easy access.
Income
- For relative stability with lower volatility
- Fund Category: Debt Funds
Debt Funds are the best way to counter the equity market volatility. If a careful choice is made across debt fund categories keeping in mind one's overall investment objectives, debt funds can offer the benefits of capital appreciation and yield reasonable returns over a period of time.
Growth
- Potential for long-term wealth creation
- Fund Category: Equity Funds
An equity fund is a mutual fund scheme that essentially buys ownership of various businesses that are traded publicly. This is done by investing the pool of investor's money in stocks of these businesses. The objective of all equity funds is to seek out opportunities to invest in a business that will grow thus yielding profits for its shareholders.
Every mission needs a battle plan
Assess the ground. Set the objective. Move with intent.
Define Financial Goals
Assess Current Financial Situation
Create Asset Allocation and Evaluate Risk
Invest Accordingly
Monitor, Review and Modify
Watch the mission unfold
A short film about the discipline that defines a life in uniform, and how that same discipline could build something lasting for the people waiting at home.
Learn how to start your SIP in 6 simple steps
Consider starting your SIP in six simple steps.
Define your goal
What are you investing for? A future expense, a life milestone, retirement or simply more financial comfort.
Select Appropriate Schemes
Pick a fund category that matches your goal, time horizon, and risk appetite.
Complete your KYC
A quick, one-time step. Your entry into the world of investing.
Decide your SIP Amount and Frequency
Choose an amount that feels easy. Consistency matters.
Select your investment platform
Choose the simplest way for you - app, website or advisor.
Set up mandate and track periodically
Let your SIP run quietly in the background. Like a habit that takes care of itself. Review your investments periodically to ensure they remain aligned with your financial goals and risk profile.
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