SAFESTOX

SAFESTOX is a proprietary methodology which looks for the medium & long-term value opportunity of the Mutual Funds (MF) and equities listed in BSE 500

The approach adopted is mainly one of bottom-up, as follows:

• MF’s and Stocks with value opportunity, low-risk and reasonable liquidity are identified, based on the historical data available with us and with the use of AI, these are grouped in various categories.
• Deep dive analysis of factual current information with specific focus to management capabilities, governance, business model, balance sheet structure, cost management, cash- flow, business performance, growth, industry standing and overall economic situation are redone to corroborate our findings.
• An MF or stock identified by employing the SAFESTOX methodology is the categorized into INVULB A, B, C based on a scoring model.
• The analysis which will have a 360-degree scope will also be a continuous process to ensure higher margin of safety and capital protection for our clients.
• These categorized names are then shared with our users along with the research findings, investment strategy etc. but based on the risk profiling and persona results of their risk appetite, arrived at the time of on boarding process.
• When the specially identified MF or stocks reach an attractive valuation (trading substantially undervalued) and continue a flat price range for short/medium terms - we would communicate to our users to continue accumulating at an average price as long as it is traded within that attractive range.
• Once the MF or stock crosses the fair value zone – users will be communicated to put the MF or stock in a partial exit again based on the client’s original risk appetite and persona. A sizable part will be maintained in the portfolio for a relatively longer term as long as it remains in the SAFESTOX category and growth potential is intact.
• Once any particular MF or stock is trading at a substantially overvalued zone, this will be automatically removed from the SAFESTOX category. However, it may continue to be in the portfolio of the existing customers as they already booked a partial profit and enjoy a margin of safety that justify their holding.
• For a user with an Ultra Aggressive Persona and HNIs, Option strategies on top of their SAFESTOX holding will be employed to further justify their carrying cost.

INVULB Pension Plans and Investment Strategy

• INVULB has created a unique Pension Management tool which profiles the customers on various in-depth parameters
• INVULB has five(05) Pension Plans determined by an in depth online customer profiling tool (this is an easy 07 step process). The five pension plans are:  
  • Basic
  • Conservative
  • Moderate
  • Aggressive
  • Ultra Aggressive
• Each Pension Plan comprises Four Basket (or Investment options) – Lumpsum/SIP Secure/SIP Gain & Lumpsum Gold
• Each product basket type have clear Investment logic and Return goals. A MF basket will contain a mix of 3 to 5 funds with a specific goal. This will help balance the risk and returns.
• Each Basket will comprise a portfolio mix of different financial products – e.g. – Mutual Funds/Gold/Silver/Equity/Derivatives etc.
• Each Product Basket is a proprietary INVULB mix of financial Products based on INVULB financial model to ensure the user gets the best returns.

All users get access to simple but detailed Dashboard showcasing the product performance

Different Financial Instruments that are part Pension Portfolio investment ?

At present INVULB utilised the following financial products – Mutual Funds/ Equity /Derivatives/Gold & Silver. These are done considering relatively safer nature of these instruments.

Can NRI/OCI & PIO join INVULB Pension Plans ?

INVULB pension plans can be subscribed by Resident and Non Resident Indians. As per Government of India requirements, it is suggested to have the following documents (mandatory) to start your pension investments –

• Aadhar Card
• PAN Card
• Bank Accounts in India (NRE/NRO)
• Address Proof