Attain your financial objectives through personalized investment portfolios tailored to your specific risk tolerance.

Wealth management can sometimes seem unexciting to the point that it's often the last thing on most people's minds. However, it's a crucial practice that should commence as soon as you receive your first paycheck

Let us help you understand in more detail.

What does wealth management entail?
Wealth management encompasses the strategic utilization of your financial resources to secure and enhance your financial well-being, ultimately aiming for financial freedom.

Ok, but what do you mean by financial freedom?
Financial freedom means no longer relying on your monthly paychecks. In other words, you have accumulated sufficient investments to sustain your lifestyle for the remainder of your life.

Sounds awesome, but can it really be done or is it just another jargon?
Certainly, it's an attainable goal. Achieving financial freedom demands meticulous planning supported by data and thorough research. This is where we step in. Our team comprises Chartered Accountants (CAs), Chartered Financial Analysts (CFAs), and MBA (finance) graduates with extensive experience in investment research spanning decades.

What all products will you be advising on?
We generally use a combination of the following products for wealth management. You may click on each product to understand about them in more detail.

• Mutual Funds
• Bonds
• Corporate FDs
• P2P investments
• Startups
• AIFs
• PMS

What is the advantage of investing with you vs. others?
Here are some key advantages of investing with us:

• Expertise: We are a team of highly qualified professionals with years of experience in investment research. Our advice is rooted in honesty and supported by thorough research.
• Convenience: We offer a single dashboard to track all your investments, making it easier for you to stay updated on your financial portfolio.
• Portfolio Rebalancing: We ensure that your investment portfolio is rebalanced at regular intervals, optimizing your returns and aligning with your financial goals.
• Tax Efficiency: We prioritize tax efficiency in all investment decisions, ensuring that both contributions and withdrawals are made in the most tax-advantageous manner.

Our commitment to these ensures that your investments are managed with the utmost care and professionalism.

India is home to more than 100 unicorns. Most of these companies had early backers who believed in them and provided funds at an early stage. Today, those early backers are millionaires because they believed in those startups and risked their money.
Startup investing was earlier limited to a certain set of people, but that is no longer the case, it has democratised. 

Who should invest in startups?

According to us, people with high networth having a high degree of risk taking ability should consider investing in startups. Domain experts may also consider investing in startups from the same sector as they will be able to assess the risk better.

Why is startup investing considered risky?

In their quest to grow quickly, startups tend to burn a lot of cash due to which there is a constant need for funding. If the funding dries up, it becomes very difficult for the startup to survive. Hence, there is very limited capital protection in case of startups. If you invest in any other instrument, there is a high degree of principal protection even if partially, which is not the case in startups.

What is the typical investment size and investment type in startups?

The cheque sizes usually range from 5-10L per startup. The investments are mostly equity investments. There are debt structures as well where you receive regular coupon payments, but they are less popular as startups are generally starved for cash and adding an interest payment may not be the best idea.

How is Growthvine different from the other startup investing platforms?

Happy to take that one. Our team is made up of people with investment research experience across financial companies. We have been analysing businesses for than 10 years and are very conservative in our approach. Our experience and approach is what differentiates us. Our process is simple, we hunt for startup opportunities where we are able to trust the management, the business has a long runway for growth and the funding needs are not extreme.

What are some of the startup terminology so it is easier to understand their business?

CAC (Customer Acquisition Cost): This is the marketing spend that a company does in order get the customer on board.

ARR (Annual Recurring Revenue): This is the revenue which the company is making.

Cash burn : This is the net negative cash that a company is making every month. Say a company earns revenue of Rs. 100 a month, but is spending Rs. 120 in costs, then the burn will be Rs. 20 If startup investing excites you, contact us and become a part of India’s next leg of growth.

A comprehensive solution for NRIs, encompassing banking, investments, and tax management, efficiently handling all intricate paperwork. It's widely acknowledged that the next decade holds immense promise for India. Feel free to reach out to us to explore NRI investment options in india. 
Let’s try to answer some of the burning questions in every NRI’s mind while trying to invest in India.

What products do NRIs usually invest in?

• Real estate has traditionally been the preferred asset class for NRIs in India.
• However, there has been a notable shift in recent years towards investments in financial markets, including Mutual Funds, PMS (Portfolio Management Services), and AIFs (Alternative Investment Funds).
• Startups are also gaining popularity among NRIs for investment activities in India.

Why NRI investments in India should be into financial markets instead of real estate, and what kind of returns can we anticipate from the Indian equity markets?

Real estate is a great asset, however it requires a high degree of management and the regulatory compliances are also higher. Moreover, being in a foreign country, it is very hard to track your real estate investments. The risk adjusted returns in real estate are also lower than most of the financial instruments.

While on the other hand, financial investments can be easily tracked via our app and even on a conservative basis, equity markets are expected to provide atleast 12-14% return which would beat most real estate returns.

How can Growthvine assist with NRI investments options in India?

We deal in multiple financial products which are listed below. Kindly click on each to learn in more detail:

• Mutual Funds
• Bonds
• Corporate FDs
• P2P investments
• Startups
• AIFs
• PMS

Which accounts can be used for investments?

For most of the products, you have the flexibility to utilize your NRO and NRE accounts for investments. However, in certain cases, there might be restrictions necessitating the use of either the NRO account or the NRE account exclusively. Additionally, for specific investments such as startups, you may have the option to utilize your foreign currency account.

How long have you been managing NRI money?
We have a track record of managing NRI funds for over four years.

Is there a minimum ticket size for investments in India for NRIs?

While the ticket sizes can vary depending on the product, they typically do not involve large amounts of capital to start off with 

“Money kept in the current account is eaten away by inflation” - Growthvine Capital.

We are a firm believer in deploying your money instead of keeping it in current account as inflation will lead to negative real returns.
Our team of experts help corporates and startups utilise their funds efficiently by managing their treasury operations.

What services do you provide?

We provide end to end treasury management services from documentation to cash management. Our aim is to provide atleast 7-9% of stable returns such that there is no Asset Liability mismatch.

Which products do you invest in?

We use a combination of the following products to achieve desired investment objectives. Kindly click on each to learn in more detail:

• Debt mutual funds
• Arbitrage funds
• Corporate bonds
• Corporate FDs
• P2P investments

Why should a startup make use of these services?

When a startup raises money, it usually has a runway in mind, say 12 months, to deploy those funds. The money raised would not be utilised immediately and hence it should be invested such that the startup is able to increase its runway from 12 months to 12.5-13 months. The startup gets an additional month’s leeway just by judiciously deploying the excess cash. Therefore, it makes a lot of sense for a startup to let someone handle their treasury operations while they focus on growing their
core business.

Why should a company make use of these services?
Any cash flow positive company would want to deploy their excess cash after capital expenditures and working capital requirements. Usually the banking partners would push you for an FD which would fetch low returns and are very tax inefficient. This is why the company should seek outside help for their investments as there are a plethora of investment options which provide better returns and are tax efficient as well.

We are happy to answer any queries that you may have. Please fill in the form below or schedule a call with us.

Alternative investments, including AIFs, PMS, and structured products are hand-picked after thorough research to fit our clients' needs.
The world that we live in today is getting complex. How can the world of finance stay behind? 
The traditional financial instruments are just not cut out for the people wanting to invest large sums of money as well as generating high returns on their investments. This gap is filled by the plethora of alternate investment options listed below:

• Alternative Investment Funds
• Portfolio Management Services
• Structured Products

Feel free to read more about each product by clicking on the links above.
 

Why should I invest in Alternative instruments?

• An investor can get different types of asset classes such as startups, PE, commercial real estate etc.
• Expected to deliver higher returns than traditional investments
•  Improve portfolio diversification

Who should NOT invest in alternative investment products?

• People with low risk appetite
• People with lower sums of money as the minimum ticket size for these investments range from Rs.10 Lacs - Rs. 1 crore
• People having short investment horizon

Add comfort of capital protection to your portfolio by investing in a well-researched bouquet of Bonds, MLDs, Corporate FDs and P2P investments.
In Cricket, not every ball is supposed to be hit for a boundary. Similarly, in investments, not every investment should be done to generate very high returns. This is because, just like in cricket, high returns and a boundary shot both come with a certain set of risks.

What entails principal protection suite?
Principal protection suite focuses on protecting your capital as well as generating a steady return on your investments. This will be done through a varied mix of products listed below. Click on the links to know more about each product:

• Corporate bonds
• Debt Mutual funds
• Corporate FDs
• P2P Lending

Who should invest in Principal protection products?

• Ones who are investing for short investment horizon or for short-term goals
• Risk-averse investors who don’t want to take too much risk in their portfolios
• Retired individuals looking for a steady source of income
• Tactical allocation when equity markets are overvalued

Why are these products better than Bank FDs? 

• All of these products will yield better returns than Bank FDs
• These products will beat inflation while protecting your capital
• Some of the products have lower taxation vs FD

Take advantage of higher returns by investing in high growth companies before they go public. Not every good company in India is listed on the stock exchange. ‘Unlisted equity’ refers to those companies which have not yet listed on any stock exchange. 
There are lots of Indian corporates - established as well as startups - which have not yet gone public due to various reasons. There is an opportunity to identify some of the hidden gems in the unlisted markets and create multibagger returns.

Why should one invest in unlisted equities? 

• High growth stocks
• Opportunity to benefit from high IPO valuations once the stock gets listed
• Attractive valuations because these are not discovered by the public, at large.

What is the role of Growthvine?
Growthvine is a research-oriented wealth management firm with both the founders having a decade of experience working with top portfolio managers across the globe. We will do the research and due diligence for you and help you build a portfolio of unlisted stocks. Apart from that, we will also facilitate the transaction once approved by you.
 

What are the risks involved in unlisted equities?

• Just like listed companies, the value of unlisted companies will be volatile and will depend on business performance and market sentiments.
• It is slightly more difficult to sell unlisted equities vs listed companies.
• The companies have less oversight and hence lesser information is available.

Are you a startup looking for fund raise? Or are you a company looking for equity or debt funding?
Look no further, Growthvine is there to help you.

What kind of fund raise do you facilitate?

• For Startups: We facilitate funding from seed rounds to pre-series A. We also help in raising venture debt and bank financing for startups
• For Corporates: We provide complete merchant banking solutions for fund raise including, private placements, IPO, and syndicated debt raises

What all services do you provide?
We use our investor network for fund raise, but that’s just the beginning. We are also partners with the top law firms in Delhi and other leading angel networks in Delhi-NCR region. We are there with you in the whole journey. We provide not just monetary support, but also allied services like SHA documentation, IPR services etc.

What is the fee for your services?
Our fees varies depending on the services availed. Fund raise are charged as a percentage of amount raised by us, while there would be flat rate for non-monetary services. We are very honest and open about our charges and are happy to discuss on a case by case basis.

Why should a company make use of Growthvine, when it can go to a bank directly?
Banks are sometimes very choosy and do give a fair chance to the companies. Moreover, they insist on insane amount of Fixed Deposits. We can help you secure funding from banks with possibly milder terms.

Moreover, banks would generally not fund the whole debt requirement. This is where our investor network comes in handy and we are able to close the gap left by banks.
If you have an ad-hoc requirement as well, we are there to help. Contact us today