FAQs
Have questions? Our FAQ section covers everything you need to know about investments, onboarding, and financial planning.
Common Questions
Find answers to common questions about investments, retirement planning, child’s education, and tax savings & more.
Explore simple, clear insights to help you make informed financial decisions.
How do I start investing if I have never invested before?
Start by setting clear financial goals, assessing your risk appetite, and choosing simple investment options like mutual funds.
What is the minimum amount required to start investing?
You can start with as little as ₹500 in SIPs (Systematic Investment Plans) for mutual funds or ₹1,000 in certain investment options.
How do I track my investments?
You can track investments through your fund house’s portal, stock market apps, or by keeping a regular investment record.
Can I withdraw my investment anytime?
It depends on the investment type. Stocks and liquid mutual funds can be withdrawn anytime, while FDs and ELSS (tax-saving funds) have lock-in periods.
How long should I stay invested?
The longer you stay invested, the better your chances of earning higher returns, depending on your financial goals.
What is compounding, and how does it help my investments grow?
Compounding allows your returns to generate further earnings over time, helping your wealth grow exponentially if you stay invested longer.
What is SIP, and how does it work?
A Systematic Investment Plan (SIP) lets you invest a fixed amount regularly in mutual funds, ensuring disciplined investing and rupee cost averaging.
What should I do if my investment value drops?
Short-term market fluctuations are normal. Stay invested, review your portfolio, and consult an expert before making changes.
Do I need to pay tax on my investment returns?
Yes, different investments have different tax implications. Capital gains, dividends, and interest earnings may be taxable based on tenure and amount.
What happens to my investments if I pass away?
Your investments will be transferred to your nominee or legal heirs. It’s important to update nominations in all financial assets.
How do I ensure my investment strategy aligns with my life goals?
Regularly review your financial plan, adjust asset allocation based on milestones (e.g., marriage, kids, retirement), and seek professional guidance when needed.
When should I start planning for retirement, and how much should I invest?
The earlier, the better!
Starting in your 20s or 30s allows compounding to work in your favor. Invest at least 10-20% of your income in long-term growth assets like equity mutual funds or retirement plans.
Starting in your 20s or 30s allows compounding to work in your favor. Invest at least 10-20% of your income in long-term growth assets like equity mutual funds or retirement plans.
What is the difference between SIP and lump sum investment?
SIP allows small, regular investments, reducing market risk, while a lump sum is a one-time investment that depends on market timing.
Can I withdraw my money anytime from a mutual fund?
Yes, except for funds with lock-in periods like ELSS (3 years). However, withdrawals may be subject to exit loads or capital gains tax.
Which mutual funds help in tax saving?
Equity Linked Savings Schemes (ELSS) allow tax deductions under Section 80C with a 3-year lock-in period.
Services Questions
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How do I start investing with KAJ Fincare?
You can connect with our team to understand suitable investment options based on your financial goals and risk appetite.
Does KAJ Fincare provide personalized investment solutions?
Yes, we offer tailored investment solutions based on your financial needs, future goals, and risk tolerance.
What’s the difference between wealth management and regular investment?
We work with a variety of clients. We work with the heads of municipalities’ transportation planning, traffic engineering or economic development departments, and with mayors’ offices.
What’s the difference between wealth management and regular investment?
Wealth management is a comprehensive financial strategy that includes investments, savings, and asset protection, whereas regular investment focuses on growing funds.
Can I invest in multiple financial instruments through KAJ Fincare?
Yes, we help you create a diversified portfolio including mutual funds, bonds, and other financial products based on your risk profile.
Do I need to visit your office for onboarding?
No, the entire process can be done online. We ensure a seamless digital onboarding experience.
What documents are required to start investing?
You typically need PAN card, Aadhaar card, bank details, and a recent photograph for verification.
Do I need a Demat account to start investing?
No, a Demat account is not required for mutual funds and other structured financial products we offer.
Is there a consultation fee for onboarding?
No, our initial consultation is free to help you understand your financial options before committing.
Can I update my details after onboarding?
Yes, you can update your personal and banking details anytime through our support team.
How can I track my investments?
You will have access to a secure online portal where you can check your investment performance anytime.
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