# Amrit Nivesh > AMFI-registered Mutual Fund Distributor ## Posts - [RBI raises the repo rate to 5.50%. Here is what changed](https://amritnivesh.com/rbi-raises-repo-rate/): On 7 October the RBI raised the repo rate from 5.25% to 5.50% and changed its stance. What it decided, why, and how it reaches loans, deposits and debt funds. - [What is a SIP, and how does it work?](https://amritnivesh.com/what-is-a-sip/): A SIP puts a fixed amount into a mutual fund every month. How it works, what you need to start, and what it can't do for you. ## Pages - [Blog](https://amritnivesh.com/blog/) - [Calculators](https://amritnivesh.com/calculators/) - [Thank You for joining with us.](https://amritnivesh.com/thank-you-for-joining-with-us/): Thank You for connecting with us. The form has been submitted successfully! Our team will get back to you shortly. - [LiquiLoan](https://amritnivesh.com/liquiloan/): LiquiLoan LiquiLoans is a Peer-to-Peer Lending platform founded by Achal Mittal and Gautam Adukia who have previously co-founded a successful rental platform ‘Rentomojo’. The company uses technology to match borrowers and lenders; and in the process eliminates the margin, which is charged by traditional banks and NBFCs, thus, making borrowing cheaper and investing a more lucrative opportunity as compared to traditional investment avenues. The company is funded by Matrix Partners, which has invested in some of the marquee companies like OlaCabs, Practo, Quikr and Cloud Nine.  HOW DOES IT WORK? ·  Create an account and invest money. ·  Your money gets divided […] - [Smallcase](https://amritnivesh.com/smallcase/): Smallcase WHAT IS A SMALLCASE? A smallcase is a basket of exchange traded securities (like stocks & ETFs) to reflect a certain objective (ideas, themes, strategies). A smallcase has a minimum of 2 securities and a maximum of 50 securities. HOW IS IT DIFFERENT FROM STOCKS? Investing in a basket of stocks gives you diversification benefits that minimize stock-specific risk. Instead of picking stocks, you can invest in ideas you believe in with research-backed portfolios that are tied to relatable themes. No fees are charged for smallcase transactions. Standard brokerage applicable as per your broker. WHICH SMALLCASE SHOULD YOU INVEST […] - [Bonds](https://amritnivesh.com/bonds/): Bonds ABOUT BONDS A bond is a fixed income instrument in which investor loans money to an entity (Corporate or Government) which borrows the funds for a defined period of time at a variable or fixed interest rate. Bonds are used by Corporate or Government to raise money and finance a variety of projects or activities. It is a market meant for trading (i.e. buying or selling) fixed income instruments. Fixed income instruments could be securities issued by Central and State Governments, Municipal Corporations, Govt. Bodies or by Private entities like Financial institutions, Banks, Corporate, etc. WHY INVEST IN BONDS? […] - [Fixed Deposit](https://amritnivesh.com/fixed-deposit/): Fixed Deposit ·  Fixed Deposit is one of the most preferred investment options among conservative investor who need fixed and regular income. ·  Fixed Deposit also popularly known as Term Deposit is an investment option wherein interest rate is fixed for a predefined term. ·  Deposits placed by an investor with companies are known as Company Fixed Deposit. These deposits are accepted by manufacturing companies, financial institutions and non-banking finance companies. Deposits mobilized by these companies are governed by the Companies Act u/s 58A.   BASIC INFO ABOUT FIXED DEPOSIT ·  The tenure of company FDs can range from a few months to a […] - [Direct Equity](https://amritnivesh.com/direct-equity/): Direct Equity There were many public issues where we have seen successful listings of RBL Bank, Avenue Supermarts, Ujjivan Finance and many more. Most of these shares were actively traded in the unlisted space where investors saw significant gains when the stock got listed. Purchasing unlisted equity through secondary market is relatively easier way for retail investors to get exposure to a privately held company. This has emerged as a new investment option for the investor. BENEFITS KEY RISKS - [PMS / AIF](https://amritnivesh.com/pms-aif/): PMS/AIF PORTFOLIO MANAGEMENT SERVICE (PMS) PMS is a tailor-made professional service offered to cater the investment objective of different investor classes. The clients can be Individuals or Institutional entities with high net worth. In simple words, a PMS provides professional management of investments to create wealth. PMS offers various customized portfolios depending on investors risk appetite and returns expectation. In such discretionary portfolios, fund manager takes investment decision on behalf of the investor. FEATURES OF PMS ·   Professional Management : PMS provides professional management of portfolios with the objective of delivering consistent long-term performance while controlling risk. ·  Risk Control :  Well defined investment philosophy & […] - [Insurance](https://amritnivesh.com/insurance/): Insurance LIFE INSURANCE Life is unpredictable. So, it is important to ensure that your family and loved ones are taken care of financially in case something happens to you. This is where life insurance comes in. It can provide some financial peace of mind if the worst were to happen. Life insurance offers a way to replace the loss of income that occurs when someone dies. Life insurance is insurance for you and your family’s peace of mind. With a life insurance policy in place, you can: ·  Provide security to your family. ·  Protect your home mortgage, loans, credit card borrowings […] - [Mutual Fund](https://amritnivesh.com/mutual-fund/): Mutual Fund  A mutual fund is a type of investment vehicle consisting of a portfolio of stocks, bonds or other asset classes. Mutual funds give small or individual investors access to diversified, professionally managed portfolios at a low price. Mutual funds are divided into several kinds of categories, representing the kinds of securities they invest in, their investment objectives, and the type of returns they seek. Facts that you must know before investing in mutual fund: 1.  MUTUAL FUND IS NOT NECESSARILY ALL ABOUT EQUITY OR STOCKS.  Mutual funds also deal into debt instruments like Certificate of Deposits (CDs), Bonds, Govt. Securities […] - [TAX OPTIMIZATION](https://amritnivesh.com/tax-optimization/): TAX OPTIMIZATION Tax planning  involves optimizing your wealth creation and protecting your health, life and assets while aligning all these with existing provisions in our tax laws . This should also consider all your sources of income. Tax planning should never be done in isolation. Tax saving just for the sake of utilizing an available section often leads to bad financial decisions. Tax planning should always get linked to overall financial planning paradigm of yours. There is a subtle difference between paying minimum possible tax  and saving maximum possible tax. We always prioritize the former. We make it a top priority to first calculate your […] - [TARGETED INVESTMENT](https://amritnivesh.com/targeted-investment/): TARGETED INVESTMENT Making holistic investment choice  is always preferred than making random investments. This can be achieved if every investment made is linked to a certain purpose. There are life’s goals which are critical to achieve. That includes – retirement fund accumulation, child’s higher education and marriage etc. Choice of products also depend a lot on the linked goal. The key to accumulate retirement fund in time  is to start at earliest. It is not necessary to start with a bang. You can start with small amounts and increase it as your salary/income increases. Also, if you start early and you have time with […] - [WEALTH BASKET](https://amritnivesh.com/wealth-basket/): WEALTH BASKET Wealth is an abundance of variable material resources. The meaning of wealth is not straightforward. Wealth is basically a person’s net worth. Wealth can be explained as assets minus liabilities. Handling wealth properly is a discipline that incorporates investment portfolio management and a number of other financial services. It is a professional service that encompasses all parts of a person’s financial life.  Investors must have already accumulated a proper amount of wealth for wealth management strategies to be efficient and effective. This service is designed to focus on high-net worth customers. We use our experience in reviewing investment portfolio, estate planning, […] - [INSURANCE POLICIES](https://amritnivesh.com/insurance-policies/): Insurance Policies Insurance is an important risk management tool that can protect you and your family from financial hardship caused by unfortunate events . We work with you to identify your risks and implement a cost-effective risk management program that has been developed with your specific circumstances and requirements in mind. Our insurance recommendations include Insurance For ·  Life Insurance ·  Health Insurance ·  Personal Accident Insurance ·  Critical Illness Cover ·  Travel Insurance ·  Motor Insurance If you have existing insurance policies, it is important to realize that both over-insuring and under-insuring can be costly. We will review all your existing policies and ensure that you are appropriately […] - [INVESTMENT PORTFOLIO](https://amritnivesh.com/investment-portfolio/): Investement Protfolio Whenever you think of making investment, three things should come on top of your mind – Risk Profiling, Products and Asset Allocation. Along with these – cash-flow situations, investments already made, net-worth and  are equally important to consider before deciding where should your hard-earned money get invested into. RISK PROFILING –  Knowing ourselves well is more important than choosing products first. Risk Profiling helps in doing that. By carefully answering a well-researched set of questionnaires, your risk appetite can be known. This may not remain constant forever with changing dynamics of micro and macro-economic factors. Hence, it is important to go back […] - [Contact Us](https://amritnivesh.com/contact/) - [About Us](https://amritnivesh.com/about-us/) - [Services](https://amritnivesh.com/services/): Frequently Asked Questions Find answers to commonly asked questions. Still have a question? If you have any other queries, feel free to reach out to us. - [Home](https://amritnivesh.com/) ## Optional - [Agent (MCP protocol)](websites-agents.hostinger.com/amritnivesh.com/mcp) [comment]: # (Generated by Hostinger Tools Plugin)