Investment Planning & Mutual Fund Services in India
Investing, Built Around You – Personalized strategies designed around your goals, helping you grow wealth steadily while staying calm and confident through changing market conditions.
Retirement Fund Planning
Assuming retirement is 14 years away, at 5% inflation, a monthly expense of ₹1 lakh today can double to nearly ₹2 lakhs. To sustain the same standard of living, you would need a retirement corpus of ₹5–6 crores.
Maintaining your current lifestyle after retirement will therefore require a significantly larger financial cushion.While contributions to PF and NPS can help build ₹1–2 crores, a substantial gap still remains.
The key question is—are your current savings and investments enough to bridge this gap while managing EMIs and everyday expenses?
Retirement planning isn’t just about saving more, but investing wisely with a clear, long-term strategy.
Start building your retirement fund today. Connect with us to plan with clarity and confidence.
Child Education Fund Planning
At 5% inflation, a higher education cost of ₹30 lakhs today can rise to nearly ₹60 lakhs in the next 14 years. Are you building a dedicated fund for this goal or relying on education loans in the future?
With disciplined investing, even a modest monthly SIP can make a meaningful difference. For instance, a ₹15k monthly investment, growing at an assumed 12% annual return in well-selected mutual funds, can help you reach this goal in 14 years.
Planning early is key to ensuring your child’s dreams are not limited by financial constraints. The sooner you start, the lighter the burden and the greater the confidence.
Start planning today to secure your child’s future. Connect with us to build a dedicated education fund.
Home Purchase Planning
Buying your first home is both an emotional milestone and a major financial decision.
Suppose your current savings is ₹60k and you are paying a monthly rent of ₹30k. Planning to buy a ₹1.2 crore home today with a down payment of ₹20 lakhs and a loan of ₹1 crore at 8% interest for 20 years means an EMI of ~₹84k leaving little room for savings.
Alternatively, if you defer the purchase and invest ₹20 lakhs lumpsum plus ₹60k monthly, it could grow to ~₹2 crores in 10 years. Even if the home price rises to ~₹2.4 crores, you can put ₹1 crore down, take a ₹1.4 crore loan at 8% for 15 years (EMI ~₹1.35 lakhs), and still retain ₹1 crore investment that could grow to ~₹5 crores in 15 years at 12% assumed return.
The goal isn’t just to buy a home early, but to do it without compromising your financial future.
Plan smart. Own wisely. Connect with us to get started.
Home Loan Repayment Planning
A ₹1 crore home loan at 8% interest results in an EMI of ~₹96k for 15 years, compared to ~₹84k for 20 years—a difference of about ₹12k per month.
That difference of ₹12k, if invested monthly at 12% assumed return, can grow to over ₹1 crore in 20 years—potentially offsetting a large part of your home cost.
Smart planning isn’t just about faster loan repayment, but balancing EMIs with disciplined investing to build long-term wealth. Stretching finances today in the hope of higher future income can create unnecessary stress—planning it right from the start makes all the difference.
Plan your loan repayment wisely. Connect with us to build a smarter strategy.
Post-Retirement Income Planning
Many retirees place their hard-earned savings—PF, gratuity, leave encashment into fixed deposits earning 6–8%. It feels comfortable initially, but over time, rising healthcare and living costs can outpace this income, putting pressure on savings.
A more balanced approach is to invest across low, medium, and high-growth mutual funds, aiming to generate returns that stay ahead of inflation while managing risk. This also allows you to set up a Systematic Withdrawal Plan (SWP) to create a steady, reliable income for decades.
Post-retirement investing requires careful planning and the right balance to ensure both stability and longevity of your wealth.
Make your retirement savings work for you. Connect with us to build a sustainable withdrawal strategy.
Periodic Market Updates
At JSH Investment Services, we personally connect with you for all key decisions—whether it’s financial planning, portfolio adjustments, SIP modifications, or lump sum investments.
Beyond this, we keep you consistently informed through regular market updates, monthly roundup videos and insightful content that simplifies investing and keeps you aligned with your long-term goals.
Our focus is simple—clear communication, informed decisions, and complete transparency.
Whether markets turn volatile or euphoric, you can count on us to handhold you every step of the way. Connect with us to experience truly peaceful investing.
3 Steps to Get Started
1. Consult
Reach out to schedule a consultation and know our approach to investing
2. Plan
Share your goals and financial details so we can create a tailored investment strategy
3. Invest
Open your account on Assetplus and start investing in our recommended mutual funds