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Introduction to SAFESTOX

INVULB is a Pension/Retirement platform with an aim to achieve adequate Retirement corpus to its customers. It is a mix of various Financial Products including Equity Derivatives/Mutual Funds/Metals (Gold, Silver) etc.

To help our customers get the best Retirement Solutions…. INVULB uses its own Proprietary Investment ideology named as “SAFESTOX”

What is SAFESTOX?

SAFESTOX is our in house methodology that we use to create a curated set of Product offerings to our customers. SAFESTOX is highly selective on the value opportunities, which considers the below pillars for identifying the Financial Product:

Good value opportunities will always
provide a buffer in case of market adversities
1
Value of the asset class like MF, Index,
Derivatives, Metals etc.
2
Liquidity of the Financial Product
3
Income generation (Dividend, Interest, Coupons etc.)
4
Governance Standards
5

Hence, the above pillars ensure all products offered by INVULB are categorized and undergo a RATING.

INVULB follows a proprietary RATING system for the Financial Products distributed in our platform.

Accordingly these products are available in the individual PENSION PLANS and BASKETS (curated Financial Portfolio of Products) for the Investors to choose.

About SAFESTOX Ratings?

RATING is based on continuous fundamental analysis with focus on Value and Safety of the instruments.

Rating will change from time to time, along with market price and changes in other parameters. INVULB valuation formula is based on DCF multiples (Discounted Cash Flows) and an objective estimation process.

Based on this framework we will project the target prices in a time series format This value distribution is compared against the market price and valuation gap is computed accordingly.

Based on the Basket Performance, their is a definition for valuation gap in financial returns/goals -REBALANCING for each type of Basket Structure and automated notifications are generated for customer actions such as

Buy
(new purchase) Add-more (to
existing investment) Maintain
or Hold Reduce (exposure
existing investment) Sell or
Redemption

Stock / MF / Financial Product will be given a rating of “A, B or C” indicating the below:

Safe for long term with limited monitoring
Medium risk and needs regular monitoring.
High risk and needs continuous monitoring.

We will identify VALUE OPPORTUNITIES in the identified asset classes (Equity, MF, Gold, Derivatives etc)

  • value for money
  • undervalued
  • substantially below the fair value

The following are the parameters considered for evaluating the specific Financial Products covered:

METALS: GOLD/SILVER

  • Historical Value of Metal (Gold/Silver)
  • Overall Global economic scenario
  • Indian Macro economic scenario
  • Inflation
  • Interest Rates
  • Currency Fluctuations
  • international Metal prices etc.

MUTUAL FUNDS

  • AMC performance - Fund Manager
  • Strategy
  • AUM
  • Content
  • Performance & Stability
  • Historical and Peer analysis
  • Governance etc.

STOCKS

  • Management strength
  • Governance standards
  • Business partnerships & Industry position
  • Government/Regulatory environment
  • Stock market track record
  • Financials/Valuation Ratios
  • Stability of cash flow
  • Growth prospects & Competition
  • Investor Confidence

Bonds / Fixed-Income /Financial products:

  • Issuer strength & track record
  • Governance
  • Financials
  • Liquidity
  • Credit rating

How does it work?

INVULB has used first of its kind Pension Product Basket (portfolio) based on INVULB product ratings-

PENSION PRODUCT BASKET

Disclaimer
INVULB rating model is strictly meant for INVULB consumers who have signed up with the INVULB platform. Rating methodology is based on the fundamental analysis of the following information available from - annual reports, official websites, exchange filing and other reputed/authorized sources. Sources are reasonably verified by the INVULB analyst team, and the analytical process is based on industry accepted common practices and logical projections.