Variable Investment

What is Variable Investment?

Variable investments are financial assets whose returns fluctuate based on market forces and are not in the form of fixed or guaranteed returns. As opposed to traditional fixed investments such as Fixed Deposits (FDs), variable investments carry market risk but higher potential for growth. Variable investments are suitable for investors seeking long-term wealth creation, portfolio diversification, and capital appreciation.

Variable investments are typically a blend of:

  • Equities (Stocks)
  • Mutual Funds (Equity & Hybrid Funds)
  • Market Traded Bonds
  • Commodities
  • ULIP
  • Forex

Government-Sponsored Schemes Like The National Pension Scheme (NPS)

As variable investments are dynamic in nature, active portfolio management, frequent checks, and individual advisory services are needed. To handle such variable portfolios and customer interactions optimally for financial consultants and planners, an effective, dedicated CRM for Financial Advisors for investment businesses is needed.

Variations of Variable Investments Discussed in Detail:

National Pension Scheme (NPS)

National Pension Scheme is a voluntary, government-run retirement saving scheme with a view to providing market-linked returns through a mix of equity, government bonds, and corporate debt.

  • Diversified Asset Allocation: Investors can invest up to 75% of the funds in shares under NPS to achieve growth and stability goals.
  • Tax Attractive Benefits: The contribution is eligible for tax deduction under Section 80C and additional ₹50,000 under Section 80CCD(1B).
  • Low Management Fees: NPS is affordable with minimal management fees on the money.
  • Market-Linked Returns: Offers growth opportunities with relatively managed risk since asset allocation is governed.

NPS is an important variable investment tool that can be recommended by financial planners to customers who are looking for long-term retirement planning with moderate risk propensity.

Market Traded Bonds

Fixed-income securities listed on stock markets like government securities (G-Secs), municipal bonds, and corporate bonds are market-traded bonds.

  • Periodic Interest Income: Bonds provide pre-defined coupon payment rates, providing periodic income streams.
  • Liquidity & Flexibility: Bonds can be negotiated on the secondary market before maturity, as opposed to traditional fixed deposits.
  • Credit Quality Transparency: Bonds come with credit ratings, enabling assessment of risk and making informed investment decisions.
  • Portfolio Diversification: Bonds give a secure income and reduce portfolio volatility compared to equities.

For financial planners, integrating market-traded bonds in the portfolios of their clients can mitigate risk and increase total return, a strategy best dealt with by an effective CRM for investment advisory.

Stocks (Equity Investments)

Shares in publicly quoted companies are stocks and are one of the most popular variable investment products.

  • Potential for High Capital Gains: Stocks possess the potential to create huge growth over a long time.
  • Dividend Income: Most successful companies provide frequent dividends, providing consistent passive income.
  • Volatility: Shares are susceptible to market fluctuations and require professional analysis and portfolio management.
  • Ownership Rights: Shareholders receive voting rights in addition to partial ownership, introducing an element of control.

Advisors providing stock recommendations need a CRM that has detailed monitoring of equity portfolios, dividend income, and price movement to provide up-to-date advice and re-balancing suggestions.

Mutual Funds (SIP and Lump Sum Investment)

Mutual Funds continue to be a strong and versatile investment option that enables investors to gain exposure to a broad spectrum of assets. Shiven Enterprises CRM accommodates two prominent types of investment styles in mutual funds:

A. SIP (Systematic Investment Plan)

SIP provides investors with the facility to invest in small portions at periodic intervals (monthly/quarterly), gradually building wealth while minimizing market timing risks.

  • Disciplined Investment: Promotes regular investing and develops the habit of saving.
  • Rupee Cost Averaging: Pick up more units when markets are low and fewer when they are high, averaging the cost of investment.
  • Low Initial Investment: Even new investors can start small.
  • Automated Setup: Perfect for CRM integration—track, remind, and update client SIPs conveniently.

B. Lump Sum Investments

Lump Sum Investing: Investing a large amount at a single go, ideal when market conditions are favorable or excess funds are available.

  • Better for Market Timing: Enables investors to capture maximum returns when timed right.
  • More Capital Deployment: Beneficial for customers receiving bonuses, inheritances, or windfall income.
  • Requires Monitoring: CRM features performance notifications and re-balancing recommendations to ensure portfolio wellness.

ULIP (Unit Linked Insurance Plan)

ULIPs have life insurance coupled with market-linked investment possibilities, having twin benefits in one product.

  • Insurance + Investment: Provides life coverage along with equity/debt fund investment options.
  • Tax Efficiency: Premiums are tax-deductible under Section 80C, and returns could be tax-free under Section 10(10D).
  • Fund Switching: Investors can shift between funds depending on market scenarios without being taxed.
  • Lock-in Period: Promotes long-term investing with a 5-year lock-in.
  • Transparency & Charges: New-generation ULIPs have explicitly mentioned charges, improved returns, and flexibility.

A financial advisor’s CRM should monitor premium payment dates, fund performance, updates on the net asset value, and insurance elements, all of which are fully served by Shiven Enterprises’s CRM.

Commodities

Investing in commodities (gold, silver, oil, agricultural products) provides diversification of the portfolio and inflation hedging.

  • Hedge Against Inflation: Commodity prices tend to increase with inflation, safeguarding purchasing power.
  • Diversification: Offers a non-correlated asset class, lowering total portfolio risk.
  • Volatility & Leverage: Commodities are subject to volatility and typically traded on margin, necessitating risk management tools.
  • Real-Time Monitoring: Prices change daily, necessitating CRM-supported real-time dashboards.

Our CRM accommodates tracking commodities, margin changes, and alerts, assisting advisors in making balanced recommendations.

  • Currency pair tracking
  • Exchange rate alerts
  • Leverage management
  • Historical price analysis and advisor notifications

This allows wealth advisors to provide quantified, timely forex plans to clients seeking global market exposure.

What is Shiven Enterprises Variable Investment CRM

Shiven Enterprises’ Variable Investment CRM is an integrated portfolio management product that is specifically tailored for investment consultants, financial planners, and wealth managers. It is created to enable efficient management of client variable investment portfolios in the stock, mutual funds, bonds, and pension schemes.

With the automation of principal processes like transaction monitoring, portfolio rebalancing, goal tracking, and client communication, Shiven Enterprises’ CRM enables advisors to focus on delivering personalized investment advice and building their advisory practice.

This is a niche CRM for financial advisors, which has been designed to meet the advanced needs of today’s investment advisory businesses.

Key Features of Shiven Enterprises Variable Investment CRM

360-Degree Portfolio Dashboard:

Tracking of stocks, mutual funds, NPS, and market-traded bonds in real time under one roof.

Automated Alerts & SIP Reminders:

No more misses on SIP payment dates, dividend distribution dates, or portfolio rebalancing.

Personalized Client Communications:

Send customized email and SMS notifications to increase client interaction and retention.

Multi-Device Accessibility:

Web-based solution accessible on desktop, mobile, and tablet to enable on-the-go advisors.

Regulatory Compliance & Security:

Role-based access control, data encryption, and regular backups for protection and compliance of client data.

Benefits of Shiven Enterprises CRM for Financial Advisors and Consultants

  • Effortless Variable Investment Management: Manage diverse asset classes effortlessly, providing comprehensive advisory solutions.
  • Improved Client Experience: Real-time alerts, personalized communication, and in-depth portfolio information to enhance client satisfaction and trust.
  • Time Savings: Routine tasks like reminders and documentation get automated, lessening manual labour.
  • Improved Decision-Making: Report-driven insights help advisors maximize portfolio performance and manage risk.
  • Scalable for Growing Businesses: Whether you’re a solo advisor or part of a large firm, Shiven CRM scales with your operations.
  • Boosted Client Retention: Regular engagement and proactive advisory reduce client churn.
  • Data Security & Compliance: Strong security measures establish client trust in your investment management services.

This turns Shiven Enterprises into the CRM for advisors wishing to provide superior client service in variable investment management.

Why Choose Shiven Enterprises CRM for Your Investment Business?

  • CRM Tailored For Financial Advisors: Shiven Enterprises is specifically developed for managing intricate variable investment portfolios compared to universal CRMs.
  • Complete Investment Management Solution: Integrates client onboarding, portfolio tracking, communication, compliance, and reporting.
  • Recommended by Financial Advisors across India: Proven and trusted platform for thousands of advisors to deliver preferred financial outcomes.
  • User-Friendly & Customization: Simple-to-use interface with tools to customize investment advisory procedures.
  • Dedicated Support & Regular Updates: Get expert help and updated releases for new features and security measures.
  • Affordable Pricing: Flexible plans to accommodate both solo advisors and large advisory businesses.

Frequently Asked Questions

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