Investment Products
Personalized guidance from Ahmedabad's trusted experts
Mutual funds have emerged as one of the most preferred investment vehicles for Indian investors, offering a perfect blend of professional management, diversification, and accessibility. By pooling resources from multiple investors, mutual funds provide access to professionally managed portfolios that would otherwise require significant capital and expertise to build individually.
The power of diversification helps mitigate risk by spreading investments across multiple securities and asset classes. Professional fund managers with years of market experience make informed investment decisions, saving you time and research efforts. Systematic Investment Plans (SIPs) enable rupee cost averaging, allowing you to invest regularly regardless of market conditions, which helps in building wealth over time.
Tax benefits under Section 80C through ELSS funds, combined with the potential for long-term wealth creation, make mutual funds an attractive option for achieving various financial goals such as retirement planning, child education, home purchase, and wealth accumulation. With options starting from just ₹500 per month, mutual funds democratize wealth creation for investors across all income levels.
Key Benefits
Discover the advantages that make mutual funds a preferred choice for smart investors
Spread your investment across multiple securities and asset classes to reduce risk and enhance returns.
Expert fund managers with years of experience make informed investment decisions on your behalf.
Easy entry and exit options with open-ended funds, allowing you to redeem your investment when needed.
Regular disclosures, daily NAV updates, and complete portfolio transparency as per SEBI regulations.
ELSS funds offer tax deduction under Section 80C up to ₹1.5 lakh, with potential for wealth creation.
Begin your investment journey with as little as ₹500 per month through Systematic Investment Plans.
Why HRP Wealth
Trusted financial experts committed to your mutual fund investment success
Registered with Association of Mutual Funds in India, ensuring compliance with all regulatory requirements.
Authorized business partner of NJ Wealth, one of India's leading wealth management firms with industry expertise.
Three decades of experience in investment and financial planning, serving clients across Gujarat and India.
Personalized investment strategies aligned with your specific financial goals, risk profile, and time horizon.
Transparent fee structure with no hidden costs. We believe in building long-term relationships through trust.
Ongoing portfolio monitoring and regular reviews in Gujarati, Hindi, and English to keep you informed.
Investment Options
Explore diverse fund categories tailored to different risk profiles and investment objectives
*Returns are indicative based on past 7-10 year CAGR. Past performance does not guarantee future results.
Invests in India's top 100 companies by market capitalization. Lower risk with stable returns.
Typical Returns
12-15% CAGR
Flexible allocation across large, mid, and small-cap stocks based on market opportunities.
Typical Returns
13-16% CAGR
Focuses on companies ranked 101-250 by market cap. Higher growth potential with moderate risk.
Typical Returns
14-18% CAGR
Invests in companies beyond top 250. Highest growth potential with higher volatility.
Typical Returns
15-20% CAGR
Equity Linked Saving Scheme with 3-year lock-in. Tax deduction under Section 80C up to ₹1.5 lakh.
Typical Returns
12-16% CAGR
Dynamic allocation between equity and debt based on market valuations. Balanced risk-return profile.
Typical Returns
10-13% CAGR
Invests in fixed-income securities and money market instruments. Lower risk with stable returns.
Typical Returns
6-8% CAGR
Passive funds tracking market indices like Nifty 50, Sensex. Low expense ratio with market-matching returns.
Typical Returns
11-14% CAGR
Goal-based suggestions
High-level guidance to connect your life goals with suitable mutual fund categories. Final fund selection is done one-to-one with your expert.
Example: For a 35-year-old targeting ₹2 Cr in 25 years, a SIP in diversified equity funds plus a gradual shift to hybrid and debt 5–7 years before retirement.
Example: For a 5-year-old targeting engineering in 2038, combine equity SIPs with Sukanya / PPF and de-risk the corpus 3–4 years before admission.
Example: Combine an ELSS SIP of ₹5,000/month for tax saving with a 3–6 month emergency corpus parked in liquid and low-duration debt funds.
Sample journeys
These are simplified examples to help you imagine structures. They are not recommendations or guarantees. Your actual plan will always be customised.
Age 34 & 31 · 1 child · Ahmedabad
Age 45 · Property sale surplus
Age 37 · UAE · Family in Gujarat
If you are new to mutual funds or to SIP / SWP / STP, you may find these education pages helpful. They explain concepts in simple language before we design a plan together.
Client Stories
Real experiences from clients across Ahmedabad, Gandhinagar, and Vadodara
HRP Wealth helped me build a diversified mutual fund portfolio aligned with my retirement goals. Their personalized approach and regular reviews in Gujarati made it easy to understand. The team's expertise and transparency have been exceptional.
Rajesh Patel
Ahmedabad
As a working professional, I needed guidance on tax-saving investments. HRP Wealth recommended ELSS funds that not only saved taxes but also helped grow my wealth. Their goal-based planning approach is truly commendable.
Priya Shah
Gandhinagar
I started my SIP journey with HRP Wealth three years ago. Their regular portfolio reviews and market insights have been invaluable. The NJ EWealth platform makes managing investments so convenient. Highly recommended!
Amit Kumar
Vadodara
The team at HRP Wealth understood my risk profile and recommended a perfect mix of large-cap and mid-cap funds. Their 30+ years of experience shows in their advice. Zero hidden charges and transparent communication throughout.
Meera Desai
Ahmedabad
Investment Platform
One of the most comprehensive platforms for managing investments in India. Some of its features are unique in the industry, only offered by NJ.
Your entire financial portfolio neatly organised at one place.
Experience industry leading paperless transaction features/solutions in one app. Any time, anywhere transaction.
Dedicated mutual fund distributor (HRP Wealth) to guide you in your investment journey.
Access to wide product basket under single roof.
Net banking, NEFT, RTGS, ACH - Mandate, UPI, etc.
Ready MF scheme portfolios to match diverse risk profiles and investment objectives.
Mobile Application, Email, SMS and Call & Transact.
Flexibility to add Multiple Banks to a single account.
Start your investment journey with India's most comprehensive mutual fund platform.
Open Your Account NowEWealth-MF Account Opening Link: http://p.njw.bz/97600
Get personalized investment recommendations from our AMFI registered mutual fund distributors and investment experts. Start your wealth creation journey today.
Important Disclosures & Risk Information
Frequently Asked Questions
Find answers to the most frequently asked questions about mutual fund investments
Mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, and other securities. Each investor owns units representing a portion of the fund's holdings. Professional fund managers make investment decisions, and the fund's performance is reflected in its Net Asset Value (NAV), which is calculated daily.
Most mutual funds allow you to start with as little as ₹500 for Systematic Investment Plans (SIPs) and ₹1,000-5,000 for lump sum investments. Some funds may have higher minimums. The low entry barrier makes mutual funds accessible to investors across all income levels.
ELSS (Equity Linked Saving Scheme) funds offer tax deduction under Section 80C of the Income Tax Act up to ₹1.5 lakh per year with a 3-year lock-in period. For equity funds, long-term capital gains (held over 1 year) are tax-free up to ₹1 lakh per year, and taxed at 10% above that. Short-term gains are taxed at 15%.
SIP (Systematic Investment Plan) allows you to invest a fixed amount regularly (usually monthly), helping with rupee cost averaging and financial discipline. Lump sum investment involves investing a large amount at once. SIP is ideal for regular income earners, while lump sum can be beneficial if you have a large amount and the market timing is favorable.
Consider factors like your investment goal, time horizon, risk tolerance, fund performance history, fund manager's track record, expense ratio, and fund house reputation. It's advisable to consult with a financial expert who can assess your profile and recommend suitable funds aligned with your objectives.
Mutual funds are subject to market risks, and the value of your investment can fluctuate. However, they are regulated by SEBI (Securities and Exchange Board of India), ensuring transparency and investor protection. Debt funds are generally less risky than equity funds, but no investment is completely risk-free. Diversification helps mitigate risk.
Yes, open-ended mutual funds allow you to redeem your investment at any time at the prevailing NAV. However, some funds may have exit loads if redeemed within a certain period (usually 1 year). ELSS funds have a 3-year lock-in period. Close-ended funds can only be redeemed at maturity or through the stock exchange if listed.
Expense ratio is the annual fee charged by the mutual fund to manage your investment, including management fees, administrative costs, and operating expenses. It is expressed as a percentage of the fund's average assets and is deducted from the NAV daily. Lower expense ratios are generally better for investors as they directly impact your returns.
