Wealth Management Services

About SIB WealthX

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Our Wealth Management Services, SIB WealthX offers a host of personalized services exclusively for you. We create a holistic approach to meet your specific needs and includes various services such as Financial Planning, Investment portfolio management, Tax planning, Risk Planning, Will drafting and Estate Planning. We will help you to experience personalised and diversified investment avenues with rich banking experience and best in lifestyle benefits.

Our experienced team will formulate the strategy that are aligned to your current and future goals and develop a comprehensive plan, which will help you to achieve them. South Indian Bank is a trusted partner for millions of our customers and we are aiming to become the preferred bank in customer satisfaction, stakeholder value, and corporate governance for our clientele.

We have partnered with Geojit Financial Services to provide wealth management services for our clients. Geojit, with over 35 years of experience in the Indian capital market incur the expertise for long-term wealth creation through professional wealth managers providing personalized portfolio management.

Products under SIB WealthX

Buying units in a mutual fund is an easy way to diversify your investments across many securities and asset categories such as equity, debt and gold, which helps in spreading the risk - so you won't have all your eggs in one basket. Professional management, Transparency, Liquidity, Regulated, Convenient, Low cost with risk diversification will be the key when it comes to Mutual Fund Investment. 

• Market growth by investing in equities and equity related instruments or debt securities of companies
• Investors with higher risk appetite and longer investment horizon and who understands the risk reward ratio will be rewarded. 

2.    Portfolio Management Services (PMS)

PMS are SEBI-regulated and tailor-made professional investment solutions for investors, formulated according to their risk tolerance and financial capability. The minimum investment required is 50 lakhs. 

There are primarily two kinds of PMS: Discretionary and non-discretionary. All financial decisions and actions are taken by the portfolio manager in the case of the former; however, the fund manager suggests possible courses of action according to the directions given by the client in the case of the later.

• PMS is a customized investment avenue for Ultra High Net Worth clients
• Numerous benefits like dynamic portfolio rebalancing, regulatory compliance, transparency in terms of holdings, transactions, and variable cost structures are available
• A niche offering exclusively for HNI clients who are looking beyond conventional offerings like FDs and MF

3.    Alternate Investment Funds (AIF)

AIF comprises pooled investment funds that invest in venture capital, private equity, hedge funds, managed futures, etc. The minimum investment required is 1 Crore. They greatly differ from conventional investment avenues such as stocks, debt securities, etc.

• The investment is made to a pool that is a counterweight to conventional asset classes with low correlation
• Unlike PMS and MF, taxation is taken care of by the fund manager directly on Tier 3 Category Funds and post-tax returns have been passed on to the investor
• AIFs invest in securities that go beyond traditional investments such as stocks, bonds, mutual funds, etc., paving a way for investors to expose themselves to alternative securities that deliver higher returns

4.    Bonds

Bonds are fixed-income instruments issued by various institutions namely the government, PSU, and private sectors, etc. to raise capital for funding various expenditures. Similar to stocks, after issuance in the primary market, bonds are traded by investors in the secondary market. Bonds come from several different issuers, and each issuer will have several bonds offered - with different maturity, coupon, nominal value, and credit rating.

• Bonds offer higher yields than traditional asset classes like FDs
• An opportunity for investors to diversify their portfolio in fixed-income instruments
• Bonds offer fixed coupon payments at specified intervals which ensures regular cash flow to meet the requirements