The following is a curated list of interesting financial products that could form part of an investor’s portfolio. As always, please consult a Registered Investment Adviser or a Certified Financial Planner to assess their suitability for your personal financial situation.
- Gift City Products (IFSC – Gujarat International Finance Tec-City)
India’s first International Financial Services Centre offers tax-efficient products for both inbound (NRIs, foreign nationals) and outbound (resident Indians) investors.
Inbound products: Specifically for Foreign Nationals and NRIs. No capital gains tax, minimal documentation (no PAN needed, international bank account suffices). Mixture of market linked and banking products available.
Outbound products: Specifically for Resident Indians. Easy access to international markets with tax efficiency.
Investment options start at Retail (USD 500–5000) and PMS (USD 150,000+).
- Specialized Investment Funds (SIFs)
Concentrated investment strategies regulated by SEBI under mutual fund guidelines. Minimum investment: ₹10 lakh. Combine mutual fund tax efficiency with the aggressiveness of PMS. Expect differentiated domestic opportunities in equity, debt and arbitrage space.
- REITs & SM REITs
Investment in Grade A commercial property without the hassles of physical ownership. Benefits: Convenience, diversification, liquidity, and tax efficiency. Normal REITs: Invest as low as ₹500 per unit, diversified across properties/occupants. SM REITs: Concentrated exposure to a single property. Minimum -₹10 lakh. Requirement: Demat + trading account.
- Income + Arbitrage Fund of Funds (FoFs)
A conservative option (alternative to banking products) with tax benefits. Long-term capital gains (after 2 years) taxed at concessional flat 12.5% rate.
- Equity Index Funds
Low-cost, tax-efficient exposure to equity markets. Options: Large-cap, mid-cap, small-cap, or blended indices.
Ideal for small/large core portfolios and cost-sensitive investors.
- Pure Debt Funds
Suitable for resident Indians with annual income below ₹12 lakh. Safer alternative to cooperative banks and societies. Low-risk fixed income option.
- Dynamic Equity Mutual Funds
For investors who want equity exposure without timing the market. Participate in upside, while managing downside. Categories include: Balanced Advantage, Multi-Asset, Dynamic Asset Allocation, and Asset Allocation FoFs.
- Super Top Up Health Insurance Plans:
Individuals and families seeking substantial health insurance (such as ₹1 crore coverage) can now access such large covers at a fraction of traditional premiums. This strategy allows you to:
- Secure protection against major medical expenses at a low cost.
- Use smaller company-provided plans or personal cash flows to manage minor healthcare expenses.
It’s an efficient way to manage healthcare risks while keeping premiums economical.
Closing Note:
These are some of the product categories we are actively reviewing with our annual fee only clients.If you would like to explore how the above financial products suit your portfolio, connect with our team.
Happy Financial Planning!
Naveen Julian Rego – CFP®
MD & Principal Officer
Date: 12-09-2025
Note and disclaimers:
- Investment in the securities market is subject to market risks. Read all the related documents carefully before investing.
- Registration granted by SEBI, membership of BSE and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
- Financial products recommended by us which are under the jurisdiction of other regulators are beyond the scope of SEBI’s grievance mechanism.