Wealth Third Party Products - FAQ

MONARCH NETWORTH offers a diverse range of tailored financial products, including mutual funds, PMS, AIF, unlisted shares, structured products, IPOs, NCDs, corporate fixed deposits, SGBs, tax-free bonds, capital gain bonds, and insurance (life, health, and general) along with loan against shares.

We distribute third-party products through offline and online channels, offering flexibility in transaction modes. We encourage clients to leverage our digital platforms for a seamless and efficient experience.

You do not require a Demat account with us to access third-party product distribution services. We extend our services to all clients, irrespective of their Demat account availability.

At MONARCH NETWORTH, delivering exceptional value to our clients is our commitment. We're pleased to inform you that we do not charge advisory fees for our third-party product distribution services. We aim to help you make informed investment choices without adding to your financial burden.

A mutual fund is a type of investment vehicle that pools money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities. The fund is managed by professional fund managers who make investment decisions on behalf of the investors. Investors own shares in the mutual fund, and the value of these shares is based on the performance of the fund's underlying investments.

Here's a concise guide to help you get started: Mutual funds investment plans for beginners

• Define Your Goals: Clarify your financial objectives for investing.
• Assess Risk Tolerance: Understand your comfort level with investment risks.
• Educate Yourself: Learn about different types of mutual funds.
• Start with SIPs: Consider Systematic Investment Plans for disciplined investing.
• Diversify Your Portfolio: Spread investments across asset classes.
• Choose Appropriate Funds: Select funds based on goals and risk tolerance.
• Consider Index Funds: Explore low-cost index funds for simplicity.
• Research Fund Performance: Review historical performance and consistency.
• Select Reputable Fund Houses: Choose funds from established and reputable houses.
• Periodic Review: Regularly reassess and adjust your portfolio.
• Use Online Platforms: Leverage user-friendly platforms for convenience.
• Seek Professional Advice: Consult a financial advisor for personalized insights. 

Here are specific steps tailored for online investing in mutual funds:

• Select a Reliable Online Platform:   
  Choose a reputable online mutual fund platform or brokerage that provides a user-friendly interface and a wide range of mutual fund options.    
• Complete Digital KYC (Know Your Customer):   
  Many online platforms facilitate a fully digital KYC process. Submit the required documents online and complete the KYC verification electronically.    
• Open an Online Investment Account:   
  Create your investment account on the chosen online platform by providing necessary personal and financial information. This can usually be done through the platform's website or mobile app.    
• Explore and Research Funds Online:   
  Use the platform's online tools to explore and research various mutual funds. Analyze past performances, fund types, expense ratios, and any other relevant information.    
• Set Up Systematic Investment Plans (SIPs) Online:   
  Most online platforms allow you to set up SIPs easily. Choose the amount and frequency of your investments, and the platform will automatically deduct funds from your account.    
• Diversify Your Portfolio Digitally:   
  Leverage the digital tools provided to diversify your portfolio. Allocate your investments across different types of mutual funds based on your risk tolerance and financial goals.    
• Monitor Real-Time Performance:   
  Take advantage of online tracking features to monitor the real-time performance of your mutual fund portfolio. Many platforms offer customizable dashboards and reports.    
• Reinvest Dividends Online:   
  Opt for the automatic reinvestment of dividends through the online platform. This helps in maximizing the compounding effect on your investments.    
• Utilize Online Tools for Goal Planning:   
  Explore goal planning features offered by the platform. Many online tools can help you set and track financial goals, ensuring your investments align with your objectives.    
• Access Educational Resources Online:   
  Online platforms often provide educational resources and materials to help investors make informed decisions. Take advantage of these materials to enhance your understanding of mutual fund investing.    
• Utilize Customer Support Services:   
  Online platforms usually offer customer support services through chat, email, or phone. Reach out to customer support for any queries or assistance.    
• Ensure Secure Online Transactions:   
  Prioritize platforms with secure online transactions. Verify that the platform follows industry-standard security measures to protect your sensitive information.   

The bond markets have two distinct segments: the primary market and the secondary market.

Primary Market: Often referred to as the "new issues" market, it facilitates direct transactions between bond issuers and buyers. It's where brand-new debt securities are issued, usually through IPOs, which have yet to be publicly available.

Secondary Bond Market: This is where freely tradable bonds are bought and sold by investors without the involvement of the original issuer. Its primary purpose is to provide liquidity, allowing investors to trade their bonds according to their investment needs freely.

Non-convertible debentures (NCDs), much like equity shares, are initially issued by companies in the primary market and later traded on exchanges like NSE and BSE in the secondary market. When considering NCD investments, you have two options: participate in the public issue during the primary market offering or acquire them later in the secondary market.

Capital gain bonds, also known as 54EC bonds, are fixed-return debt instruments that provide a way to enjoy tax exemption on capital gains from selling a house property. These bonds offer interest at a fixed rate, calculated on the face value, and payout at regular intervals. They must be redeemed upon maturity.

To benefit from tax exemption on long-term capital gains, you must invest in capital gain bonds within six months of selling your house property. The lock-in period for these bonds is five years from the investment date.

As per the Income Tax Act of 1961 provisions, you can invest a maximum of ₹50 lakh in total in 54EC bonds.

Corporate fixed deposits in India involve investors depositing funds with companies for a fixed term, earning a predetermined interest rate for the chosen tenure.

The minimum tenure for a corporate fixed deposit is one year.

A fixed-income solution focuses on preserving capital and generating income. It typically involves investments in debt products like Bonds, Debentures, and Debt funds. Fixed income offers a consistent income stream with lower risk compared to stocks.

• Debt Mutual Funds
• Government Bonds
• Corporate Bonds
• Fixed Deposits (FD)
• Non-Convertible Debentures (NCDs)
• Market Linked Debentures (MLDs)
• Real Estate Funds
• Structured Debt Products 

Investors seeking a stable income stream with moderate to low risk should explore fixed-income products. These investments integrate into an overall portfolio based on individual risk profiles and asset allocation strategies.

Depending on your financial objectives, investing in fixed-income products offers several potential benefits:

• Diversification to mitigate stock market risk
• Capital preservation, safeguarding your investment
• Income generation through regular interest or coupon payments
• Return optimization with potentially higher yields, considering varying credit and interest rate risk levels. 

At MONARCH NETWORTH, you can secure your life and assets through a wide array of insurance options, including:

• Life Insurance
• Medical Insurance
• Motor Insurance
• Home Insurance
• Travel Insurance
• Fire/Property Insurance
• Critical Illness Insurance
• Marine Insurance
• Engineering Insurance 

Life insurance provides financial protection to your family or beneficiaries during your demise. On the other hand, health insurance offers coverage for medical expenses, including hospitalization, for yourself and your family.

MONARCH NETWORTH offers all insurance services in a fully digital, paperless manner for your convenience.

Our dedicated team of insurance experts is available to assist you in selecting the most suitable life or general insurance plan based on your unique requirements.

You can cancel your policy within 15 days of receiving it, known as the 'free look period,' should you wish.