Create Wealth


Mutual Funds

Mutual funds offer a way for a group of investors to effectively pool their money so they can invest in a wider variety of investment vehicles and take advantage of professional money management through the purchase of one mutual fund share. Mutual fund companies essentially collect the money from their investors, or shareholders, and invest that pooled money into individual investment vehicles according to some risk profile, money management philosophy, or financial goal. The mutual fund then passes along the profits (and losses) of those investments to its shareholders.

More & more people are learning about mutual funds as a means of investment. From putting ones money into fixed deposits or investing in real estate, people are becoming aware of mutual funds as lucrative choice of savings & investments. It is becoming the most sought-after method of investing but having limited or no knowledge of it can hamper ones plan to go ahead with mutual funds completely. Here, we will give you a summarized info about all you need to know about mutual funds & the benefits it carries.

Equities & Derivatives


CAPITAL PLUS are the members of both NSE and BSE, have a robust infrastructure and trading platform to execute the trades. CAPITAL PLUS provides Technical/Fundamental research services for investment in Equities, which has been giving stellar returns to our clients. Our online trading platform on the internet and mobile application enables the convenience of investing on the go from anywhere.

One can open a trading account online and start to trade immediately once the application is approved. Traders can also read through the stock tips and suggestions that are available on the website and receive right guidance when it comes to the trading process.

Capital Plus is one firm that provides trading across various platforms be it Web, Mobile, Desktop or Call-n-trade. Traders can watch share market live, watch news related to share markets, search and study the market research reports, check the data of various stocks from BSE and NSE and learn about new investment opportunities.


It is a financial instrument which derives its value/price from the underlying assets. Originally, underlying corpus is first created which can consist of one security or a combination of different securities. The value of the underlying asset is bound to change as the value of the underlying assets keep changing continuously.


A bond is a fixed income investment in which an investor loans money to an entity (typically corporate or governmental) which borrows the funds for a defined period of time at a variable or fixed interest rate. Bonds are used by companies, municipalities, states and sovereign governments to raise money and finance a variety of projects and activities. Owners of bonds are debt holders, or creditors, of the issuer.

Different kinds of Bonds

  • Corporate Bond                                                                                                                        Corporate bonds are issued by corporations to raise capital. They are safer than equities. The bondholders get a specified return every period. These bonds can be of two types-

    1. Convertible bonds
    They can be converted into a pre-defined number of stocks as and when required by the investor.
    2. Non-Convertible bonds
    Non-convertible bonds are just plain bonds.
  • Government Bond
    Government bonds are issued by Government to finance their activities. In India, the Government bond market size is much larger than the corporate bond market size. They are also known as G-Sec. The bonds’ return depends on the prevailing interest rate. Usually, Government bonds pay a return of 7% to 10%. The maturity can be anywhere between 3 months to 30 years. To buy a government debt is a low-risk activity as long as you deal with the government itself or some other reputable institution.
  • PSU Bond
    PSU bonds are medium and long term obligations issued by public sector undertakings. PSU bonds issue is a phenomenon of the late 1980s when the Central Government stopped / reduced funding to PSUs through the general budget. PSUs float bonds in the primary market to raise funds. PSUs borrow funds from the market for their regular working capital or capital expenditure requirement by issuing bonds. The market for PSU bonds has grown substantially over the past decade. All PSU bonds have a built in redemption and some of them are embedded with put or call options. Many of these are issued by infrastructure related companies such as railways and power companies, and their sizes vary widely from Rs.10-1000 crore. PSU bonds have maturities ranging between five and ten years. They are issued in denominations of Rs.1,000 each.The majority of PSU bonds are privately placed with banks or large investors.
  • Municipal Bond
    A municipal bond is a debt security issued by a state, municipality to finance its capital expenditures, including the construction of highways, bridges or schools. Municipal bonds are exempt from federal taxes and most state and local taxes, making them especially attractive to people in high income tax brackets. 

Bonds Credit Ratings

Investment grade issuer credit ratings are those that are above BBB- or Baa. The exact ratings depend on the credit rating agency.

For Standard & Poor’s, investment grade credit ratings include. AAA, AA+, AA, and AA-. Companies that have credit ratings in this category have a very high capacity to repay their loans, with AAA rated companies having the highest capacity to repay.

The next category down includes companies with A+, A, and A- ratings. These are companies that have a strong capacity to repay their financial commitments. These companies are currently stable and easily able to repay their debts, but could face challenges if economic conditions deteriorate. The bottom tier of investment grade credit ratings includes BBB+, BBB, and BBB-. These companies are considered "speculative grade" and are vulnerable to changing economic conditions and could face big challenges if economic conditions decline. When rated, however, these companies have demonstrated both the capacity and capability to meet their debt payment obligations.


A debenture is a type of debt instrument that is not secured by physical assets or collateral. Debentures are backed only by the general creditworthiness and reputation of the issuer. Both corporations and governments frequently issue this type of bond to secure capital. Like other types of bonds, debentures are documented in an indenture.

Types of Debentures

  • Convertible debentures are bonds that can convert into equity shares of the issuing corporation after a specific period of time. These types of bonds are the most attractive to investors because of the ability to convert, and they are most attractive to companies because of the low interest rate.
  • Nonconvertible debentures are regular debentures that cannot be converted into equity of the issuing corporation. To compensate, investors are rewarded with a higher interest rate when compared with convertible debentures.


CAPITAL PLUS PMS (Portfolio Management Services) is Portfolio Manager specializing in Identifying, Investing and managing listed equity stocks that are fundamentally strong and have good growth potential.

Benefits of Portfolio Management Services :

Professional Management that give you the Portfolio edge.

  • Professional & experienced Fund Managers with excellent track record of Fund Management. Actively managed portfolio, supported by team of experts research analyst. Transparent decision making & timely Performance Repots.
  • Your portfolio performance report is regularly sent, as well as can be tracked on the net.

PMS Portfolio Strategy

  • Concentrated Portfolio-average 20-25 stocks
  • Long holding periods.
  • Low portfolio churn.
  • Controlling losses by using a disciplined stop loss approach.
  • Minimize risk by using disciplined stop loss approach.
  • Always set the exemplary performance.

Historical Performance

    • The Growth & Momentum portfolio endeavours to identify bottom up stock ideas in all market conditions. This approach has resulted in the portfolio significantly, outperforming the benchmarks.



In India, alternative investment funds (AIFs) are defined in Regulation 2(1) (b) of Securities and Exchange Board of India (Alternative Investment Funds) Regulations, 2012. It refers to any privately pooled investment fund, (whether from Indian or foreign sources), in the form of a trust or a company or a body corporate or a Limited Liability Partnership (LLP). Hence, in India, AIFs are private funds which are otherwise not coming under the jurisdiction of any regulatory agency in India.

Categories of Alternative Investment Funds (AIFs)

As per Securities and Exchange Board of India (Alternative Investment Funds) Regulations, 2012 Alternative Investment Funds shall seek registration in one of the three categories

  • Category I

  Mainly invests in start- ups, SMEs or any other sector which Govt. considers economically and socially viable.

  • Category II

 These include Alternative Investment Funds such as private equity funds or debt funds for which no specific incentives or concessions are given by the government or any other Regulator.

  • Category III

 Alternative Investment Funds such as hedge funds or funds which trade with a view to make short term returns or such other funds which are open ended and for which no specific incentives or concessions are given by the government or any other Regulator.

Gold ETF

Gold ETFs are a great way to take exposure to gold. Gold ETFs are Exchange Traded Funds that allow investors to invest in gold on the exchange. So an investor eager to get into gold ETF can buy and sell the same on the exchange. They eliminate a lot of issues which come when buying physical gold.

Physical gold does not generate income and the cost of making jewellery is also high. So gold ETF is the best option for a retail investor.


Why to Invest in Gold ETF

Gold ETF are transparent vehicle and provide an effective and efficient platform for small investors to diversify in to GOLD.

Gold is considered as a Global Asset Class and there are various reasons why GOLD ETF is a must in retails investors portfolio, and how they are better than traditional forms of investing in Gold.

  • No worry on adulteration or impurities
  • Held in Electronic Form
  • Can track your investment values in real time
  • Extremely Liquid

The expenses incurred in buying and selling Gold ETF is much lower than the cost incurred in buying, selling, storing and insuring physical gold.

Advantages of Gold ETF

Gold ETF has many advantages over the physical gold which makes it an attractive alternative to an investor. Some are discussed below:-

1. Impurity Risk - In physical gold, the impurity risk is present. For a retail investor, it is very hard to determine the purity of the gold. Besides, when an investor goes to sell the gold which he bought 10 years ago, he may not get the same weight and purity when he bought.

2. Liquidity - Liquidity is one of the most important factors of an investment. Physical gold is less liquid than Gold ETF. An investor can buy and sell Gold ETF anytime during the trading session. While for selling a physical gold, an investor has to go to a goldsmith.

3. Transaction cost - The transaction cost of the physical gold is also higher than Gold ETF. The expense ratio of Gold ETFs is around 1% while the making charge of physical gold is around 10% to 20% in case of ornaments.



What are the types of funds available in NPS ?

There are three types of NPS funds available. They are as below.

  • Asset Class E                                                                                                                                Invest in equity market instruments. This is the riskier asset class among all three.
  • Asset Class G
    Invest in fixed income instruments. The best example of this is central government bond. This is the secured among all three.
  • Third Party Policy
    Invest in fixed income instruments. Examples of these are bonds issued by firms or companies. this neither risky like Asset Class E nor safe like Asset Class G.

Recently a new fund category by name Alternate investment has been introduced.

List of NPS Fund Managers

Currently, there are 8 Fund Managers who are managing our NPS corpus and they are as below.

  • Birla Sun Life Pension Scheme
  • HDFC Pension Fund
  • ICICI Prudential Pension Fund
  • Kotak Pension Fund
  • LIC Pension Fund
  • Reliance Capital Pension Fund
  • SBI Pension Fund
  • UTI Retirement Solutions

Some of the benefits of the National Pension System (NPS) are

  • It is transparent                                                                                                                            NPS is transparent and cost effective system wherein the pension contributions are invested in the pension fund schemes and the employee will be able to know the value of the investment on day to day basis.
  • It is simple
    All the subscriber has to do, is to open an account with his/her nodal office and get a Permanent Retirement Account Number (PRAN).
  • It is portable
    Each employee is identified by a unique number and has a separate PRAN which is portable i.e., will remain same even if an employee gets transferred to any other office.
  • It is regulated
    NPS is regulated by Pension Fund Regulatory and Development Authority- External website that opens in a new window, with transparent investment norms & regular monitoring and performance review of fund managers by NPS Trust- External website that opens in a new window.
  • Tax Benefit
    • Under New Pension Scheme, an investor can claim tax benefit under Sections 80CCD(1), 80CCD(2), and 80CCD(1B) , not exceeding 10% of basic salary + DA. This is applicable only to Tier I accounts.
    • Under 80CCE, investors can claim tax benefits on their employer’s contribution to NPS, not exceeding 10% of basic + DA.
    • Companies too can claim tax exemptions in their P&L statement.
    • Tier II accounts like mutual funds.

Currency and Commodity


Gone are the days when currency was an exclusive trading instrument for a few financial institutions, corporates and hedge funds. With greater global interdependence and increase in international trade and financial awareness, the currency market offers a new avenue for trading. As a trader, currency markets are a lucrative investment option wherein you can spot opportunities and take advantage of the volatility arising in global markets.

Key Benefits

  • Inter-connection of national economies
  • Low margin, high leverage
  • Hedging of potential losses in business

Commodity Market  

A commodity market is a physical or virtual marketplace for buying, selling and trading raw or primary products, and there are currently about 50 major commodity markets worldwide that facilitate investment trade in approximately 100 primary commodities.

Commodities are split into two types: hard and soft commodities. Hard commodities are typically natural resources that must be mined or extracted (such as gold, rubber and oil), whereas soft commodities are agricultural products or livestock (such as corn, wheat, coffee, sugar and pork).

Advantages of Investing in Commodity Market

1. Diversification - Commodities can diversify a portfolio. Commodity returns usually have low or negative correlations with the returns of other major asset classes. So often, when bonds and stocks fall, commodities rise. Sometimes, there may not be any connection between the returns at all. Factors that affect returns on stocks and bonds, for example, do not affect returns on commodities in the same manner. Besides, commodities may react differently from other assets in various economic and geopolitical situations. For example, the prices of stocks may fall during a financial crisis. But gold prices may rise as demand for this safe asset increases. A diversified portfolio with a low correlation between its assets tends to have less volatile returns. Thus, investing in commodities ensures diversification and improves risk-adjusted returns.

2. Inflation protection - Inflation has a different impact on commodities than financial assets like stocks and bonds. This is because inflation causes currency to depreciate. This erodes the real value of financial assets like stocks and bonds. Commodities, however, maintain their value and price even during high inflation. In this environment, investors can turn to hard assets such as gold and other precious metals.

3. Hedge against event risk - Events such as natural disasters, wars, and economic crises can lead to depreciation of an investor’s assets. This is an ‘event risk’. Such events affect financial assets like stocks and bonds negatively. They may also lead to a rise in the prices of certain commodities. For example, supply disruptions due to wars may raise the prices of commodities like oil. So, these commodities may act as a potential hedge against some event risks—a buffer against losses.

4. Liquidity - Unlike investment in assets like real estate, investment in commodity futures offers high liquidity. It is easy to buy and sell commodity futures. An investor can liquidate his position whenever required.

5. Trading on lower margin - An investor in commodity futures needs to deposit a certain amount as a margin with the broker. The margin can be close to 5–10% of the total value of the contract. This is much lower than the margin required for other asset classes. Thus, the investor can take larger positions while investing less capital. This also helps increase the potential for high profits.

6. High returns - Commodity markets are volatile. They can experience huge swings in prices. For example, war in a major oil-producing country like Iraq can cause oil prices to shoot up. Smart investors can take advantage of these price swings to make gains. Well-planned commodity investments can provide higher returns than investments in other assets.