+91 96019 64998 contact@thecapitalinvestment.in

Services & Plans

Services, investment plans and insurance, built around one plan.

You can start with any one of these. Most families begin with a goal plan or a portfolio review, and the rest follows from what that reveals. Based in Adajan, Surat, and working with clients across India.

Services Investment plans Insurance

Scope

What we handle

Mutual Fund Distribution Scheme selection across equity, hybrid and debt categories, with KYC, onboarding and transactions handled for you.

Goal Planning Retirement, children’s education, a home, a vehicle or a sabbatical — each costed, dated and assigned a monthly amount.

Retirement Income Converting an accumulated corpus into a predictable monthly withdrawal that is designed to last.

Insurance Review Checking whether your term and health cover match your income, loans and dependants — and closing the gap if not.

Tax Planning Regime comparison, deduction planning, and timing of redemptions so tax is a decision rather than a surprise.

Annual Review A yearly sit-down to measure progress against the plan, rebalance allocation, and adjust for life changes.

Retirement From monthly saving to monthly income Sizing the corpus for inflation, building it with a step-up SIP, then drawing an income from it with an SWP that does not run out.

Retirement planning →

Existing portfolios A second look at the portfolio you already hold Scheme overlap, category drift, cost, and the tax impact of correcting it. If the portfolio is sound, we say so.

Portfolio review →

Investing from abroad NRI mutual fund investment in India NRE and NRO accounts, KYC by video call, repatriation and taxation — the whole process handled online, across time zones.

Read the NRI guide →

Engagement

What a first engagement looks like

Four stages, spread over about two weeks from the first call to the first transaction.

Discovery call

Thirty minutes on your income, commitments, existing investments and the goals you already have in mind.

Plan draft

Within a week. Goals quantified with assumptions written out, and a monthly amount for each.

Implementation

KYC, mandates and first transactions. Fully online if you prefer, or in person.

Reviews

A scheduled annual review, plus availability whenever something material changes for you.

Tax planning

What we look at on tax

Regime Comparison Whether the old regime with deductions or the new regime with lower rates works out better for your specific income and claims.

Deduction Planning Mapping the deductions you are genuinely eligible for across the year, instead of buying products in March.

ELSS Equity-linked savings schemes carry a three-year lock-in. Useful where equity suits your horizon anyway — not otherwise.

Capital Gains Timing When to redeem, how holding period changes the treatment, and how to sequence redemptions across financial years.

Year-End Review A check before 31 March so nothing is left to the last week, and nothing unnecessary is bought.

Documentation Capital gains statements and proofs organised so filing is straightforward.

Tax sequence

A common order for tax

Sequence matters more than any single instrument. These four rules prevent most of the damage.

Start with the plan — Decide your asset allocation first. Then see which tax-eligible instrument fits inside it.

Compare regimes first — If the new regime is better for you, tax-saving purchases may add nothing at all.

Spread the year — Monthly contributions to a tax-eligible investment beat a single March purchase on both cost and choice.

Treat lock-ins as real — A three-year lock-in is a genuine constraint on your liquidity. Count it before you invest, not after.

Please note

We are mutual fund distributors, not chartered accountants. We help you plan the investment side of your tax position and sequence your redemptions. For return filing, assessments and formal tax opinions, please work with a qualified tax professional.

Investment plans

Five ways to invest. The right one depends on your cash flow.

A plan is not a scheme name. It is a decision about how money enters the market, at what pace, and how it leaves again. These are the structures we use most. Structures we set up for clients from our Surat office and online across India.

Structures

Plan structures

SIP A fixed amount invested every month. Suits a salary cycle, needs no market view, and averages your entry price over time.

Step-Up SIP A SIP that increases annually by a fixed amount or percentage, so your investing keeps pace with your income.

Lumpsum A single deployment of an existing corpus. The full amount begins compounding at once, and carries full entry-timing risk.

Systematic Transfer A lumpsum parked in a liquid or short-duration fund and moved into equity in monthly tranches, reducing timing risk.

Systematic Withdrawal A fixed monthly withdrawal from a built corpus, while the remaining balance stays invested.

Selection

Choosing between them

The question is rarely which plan performs best. It is which plan you can sustain, given how your money actually arrives.

Situation	Usual structure	Why
Monthly salary, long horizon	SIP or Step-Up SIP	Matches cash flow and removes the need to time entry
Bonus, maturity or sale proceeds	STP, sometimes lumpsum	Staggered entry limits the damage of one bad entry date
Retired, needs monthly income	SWP	Regular withdrawal while the balance continues to work
Goal under three years	Debt or hybrid, not equity	Too little time to recover from a market fall

This table is a starting point, not a recommendation. Suitability depends on your full situation.

Model it yourself

Every structure above has a calculator

Enter your own amount and horizon before you decide. The output is yours to keep as a PDF.

Open the calculators

Insurance

Protection first. Investment second. Never the same product.

Insurance exists to replace income and absorb medical shocks. When it is sold as an investment, it usually does both jobs poorly. We keep the two separate. Reviewed alongside your investments, from our Surat office or by video call.

Review

What we review

Term Life Cover A pure risk cover that pays your family if you are not there. Low cost, high sum assured, no maturity value.

Health Cover A family floater or individual policy sized to actual hospitalisation costs in your city, plus a top-up where sensible.

Existing Policies What you already hold, what it actually covers, and whether continuing it makes sense.

Sizing

How much cover is enough

There is no single multiple that works for everyone. The calculation follows from four things, and the fourth is what most people forget to subtract.

Income to replace

How many years of your current income your family would need if it stopped today.

Liabilities outstanding

Home loan, vehicle loan and any personal borrowing that would otherwise fall on your family.

Dated future costs

Children’s education and marriage, and your spouse’s retirement, each at its expected future cost.

Assets available

Existing investments and any employer cover, subtracted from the total requirement.

A common confusion

Where insurance and investment get mixed up

Investment-linked insurance products bundle a small cover with a long-lock investment. The cover is usually too little to protect a family, and the investment usually carries higher costs and less flexibility than a mutual fund.

Protection works best bought as protection, with investing kept separate where you can see and control the costs.

Not sure which service you need?

Start with a review. We will tell you what is already working before suggesting anything new.

Call +91 96019 64998 Send an enquiry