Services
Cool investment for a hot future
Smart investing isn’t just about today — it’s about preparing for tomorrow. At Linac, we offer innovative, future-ready investment solutions designed to beat inflation, seize emerging opportunities, and align with your financial goals. Whether you’re building wealth, planning for retirement, or investing in sustainable growth, we make your money work smarter. Stay ahead of the curve — invest cool today for a hotter, brighter tomorrow.
Mutual funds
A mutual fund is an investment avenue that pools money from multiple investors to create a professionally managed portfolio of stocks, bonds, and other securities. It offers access to diversified investments and expert fund management.
Instead of selecting individual assets directly, investors participate through mutual funds, guided by professional fund managers. These funds are regulated by the Securities and Exchange Board of India (SEBI) to ensure transparency and protect investor interests.
Each investment is divided into units, and the value per unit is known as the Net Asset Value (NAV), which is calculated daily. With various schemes designed for different financial goals, mutual funds offer a simple, smart, and efficient way to invest.
Whether you’re planning for long-term goals or seeking to grow your savings steadily, mutual funds offer a flexible and transparent path to building wealth.
At Linac, we assist investors in understanding, choosing, and investing in mutual fund schemes that match their financial goals and risk appetite, making investing easier, smarter, and more accessible for everyone.
Types of Mutual Funds
Understanding the different types of mutual funds can help investors choose schemes that align with their financial goals, risk appetite, and investment horizon. Here are the main categories:
Equity Funds
These funds primarily invest in shares of companies and are suitable for investors seeking long-term capital growth. They include sub-categories like large-cap, mid-cap, small-cap, and multi-cap funds, each focusing on different segments of the stock market.
Debt (Income) Funds
Debt funds invest in fixed-income instruments such as bonds, government securities, and money market instruments. They aim to provide regular income with relatively lower risk compared to equity funds.
Hybrid or Balanced Funds
These funds invest in a mix of equity and debt instruments, balancing growth and stability. They include types like arbitrage funds, dynamic asset allocation funds, and multi-asset allocation funds.
Index & Exchange-Traded Funds (ETFs)
These passively managed funds track specific indices like the Nifty or Sensex. They aim to replicate the performance of the index and are known for their low cost and transparency.
Gold & Silver Funds
These funds invest in gold and silver assets or related instruments, offering investors a way to include precious metals in their portfolio without holding them physically.
International Funds
These invest in overseas markets, giving investors exposure to global companies and economies. They are ideal for diversification beyond domestic opportunities.
Who Is It For?
Mutual funds are for everyone, whether you’re just starting out or already planning your next big financial goal. With options for every risk level, time horizon, and budget, mutual funds make investing accessible to:
- Beginners looking for simple, guided investment options
- Busy individuals who want professional fund management
- Savers planning for goals like a home, education, or retirement
- Investors seeking diversification and long-term growth
No matter your age, income, or experience, there’s a mutual fund that fits.
Why It Matters?
Mutual funds bring together everything that makes investing smart and stress-free: safety, flexibility, expert guidance, and long-term growth. Here’s why they stand out:
- Experts Handle Your Money: Your investments are managed by professionals who know the markets and make smart decisions on your behalf.
- Shared Risk: Mutual funds spread your money across different assets to reduce risk and balance returns.
- Start Small, Grow Big: You can begin investing with just ₹500 through SIPs, without any need for big savings or deep market knowledge.
- High Liquidity: Most mutual funds let you withdraw anytime, offering easy access to your money when needed.
- Something for Everyone: Whether you want to save on taxes, grow your money, or invest for the future, there’s a fund that fits your goal.
- Safe and Well-Regulated: All mutual funds are monitored by SEBI to ensure transparency, rules, and investor protection.
In short, mutual funds make investing easy, safe, and rewarding; no matter your age, income, or experience.
How To Invest in Mutual Funds
Investing in mutual funds is simple and flexible. There are two main ways to get started:
1. Lump Sum Investment
A lump sum investment means putting in the entire amount at once. It’s suitable for investors who have a larger amount of money ready to invest and are comfortable with market timing.
2. SIP – Systematic Investment Plan
A Systematic Investment Plan (SIP) enables you to invest any desired amount at regular intervals—monthly, quarterly, or as per your preference—offering a disciplined and flexible approach to long-term wealth creation.
SIP is a disciplined way to invest small amounts in mutual funds at regular intervals, helping form a saving habit while spreading your investments over time.
Why SIP Works Well:
- Makes investing more affordable and consistent
- Helps reduce the impact of market ups and downs
- Encourages long-term wealth creation through the power of compounding
No need to time the market or predict the best entry point
Understanding SIP through Rupee Cost Averaging
Let’s say you invest ₹2,000 every month through a SIP:
| Month | NAV (Price per Unit) | Amount Invested | Units Purchased |
|---|---|---|---|
| Jan | ₹20 | ₹2,000 | 100 units |
| Feb | ₹25 | ₹2,000 | 80 units |
| Mar | ₹16 | ₹2,000 | 125 units |
| Apr | ₹18 | ₹2,000 | 111.11 units |
Calculated SIP
Calculate returns on your monthly SIP investments. Get a rough estimate on your final maturity amount.
Total Invested: ₹8,000
Total Units Bought: 416.11 units
Average Cost per Unit: ₹8,000 ÷ 416.11 = approx. ₹19.22
Even though the NAV fluctuated, your average purchase price was lower than some of the higher market prices. That’s the benefit of rupee cost averaging; it smooths out the highs and lows of the market over time.
Whether you choose to invest all at once or step-by-step through SIP, both methods can help grow your wealth, based on your financial goals and comfort.
Linac is here to guide you at every step.
Cost of delay in SIP investments
When doing investment, always follow the golden rule of investment: “Start Early”. Any delay, even for small time e.g. 3 months or 6 months, can substantially impact your return on investment. Let’s understand through an example.
SIP Investment of a small amount of Rs. 10000/month, with different investment period (due to delay in start of SIP), will substantially impact your return on investment.
| Monthly SIP Investment | Investment Period (Yrs.) | Expected Rate of return (%) |
|---|---|---|
| 10000 | 20 | 12 |
| Investment Period | Maturity Amt. (In lac) | Notional Loss (In Lac) |
|---|---|---|
| Start Today | 99.91 | |
| 1 Month Delay | 98.83 | 1.09 |
| 6 Months Delay | 93.54 | 6.38 |
| 1 year Delay | 87.53 | 12.38 |
| 2 Years Delay | 76.54 | 23.37 |
As we have observed, delay in investment means-
- Loss of opportunity to earn higher returns.
- Same amount of SIP invested with different time start yield very different returns. If we delay, then to get same returns, more amount is to be invested.
- In long term, even a small delay of 6 months in SIP initiation, may result in substantial reduction in yield.
How Linac Helps You Invest Better
At Linac, we believe wealth isn’t just about returns, it’s about creating freedom, security, and a life you’re proud of. We don’t just offer generic pieces of advise, we build tailored strategies designed around you.
What Makes Us Different
Personalized, Purpose-Driven Planning
Every investment plan is aligned with your life goals, risk profile, and values.
Diverse Solutions, One Partner
From early planning to long-term growth, our products cover every stage of your financial journey.
Tech That Empowers You
Smart, intuitive platforms give you real-time visibility and control over your money.
Simple and Stress-Free Investing with Linac
Wealth Handling Solutions
Leave more than money, leave a legacy.
Strategic wealth management is essential to grow and protect your wealth with a strong and stable long-term plan.
Who Is It For
- High-income earners
- Business owners
- Individuals with significant savings or inheritance
Why It Matters
Wealth management ensures stability for generations, while unmanaged capital can quickly depreciate.
Linac Finserv’s Strategic solutions to manage wealth include
We simplify the process of aligning your finances with your goals, so that you achieving your dreams. Over the years, Linac has been delivering measurable results and enabling financial freedom through this step-by-step methodology:
Personalised Investment Strategies
We design personalized investment plans based on your financial goals, risk appetite, and time horizon with the intention to create a legacy.
Diversification
As an expert MFD, we ensure your wealth is spread across various asset classes (equity, debt, and hybrid) to optimize returns and minimize risk.
Tax Optimization
We also provide guidance on tax-efficient investment options, helping minimize tax liabilities while growing your wealth.
Access to Exclusive Products
We offer a diverse range of Mutual Funds, AIFs, and PMS with high-growth and niche investment opportunities.
Ongoing Support and Advice
We aim to offer continuous guidance on market trends, investment strategies, and wealth growth opportunities.
Alternative Investment Funds (AIFs)
For Smart Investors Seeking Higher Returns
Alternative Investment Funds are private funds that put money into assets and not regular stocks or bonds.
Who Should Avail
- HNIs (High Net-worth Individuals)
- Investors with a higher risk appetite
- Clients looking for diversification outside regular mutual funds
Why It Matters
AIFs can offer higher returns, strategic opportunities, and exposure to unconventional assets, making them ideal for diversification and growth.
How Linac Adds Value
Client Awareness and Education
We explain the different structures, categories, returns, and risks associated with these funds to our clients and how AIFs differ from mutual funds or direct equity investing.
Suitability Assessment
At Linac, we examine whether a particular AIF suits a client’s risk ability, financial goals, and investment budget.
Recommend suitable AIFs
Through investment strategy, fund manager track record, focused investment theme, and tracking of historical performance and fees, we assist individuals in identifying and short-listing the best AIF options.
Assistance with Documentation
We offer complete assistance with the onboarding and documentation process, along with thorough compliance checks.
Performance Monitoring
By tracking fund performance, we offer key periodic insights and updates to evaluate returns against the risk taken.
Portfolio Management Services (PMS)
Personalized Wealth Care
PMS is a customized investment service where expert managers handle your portfolio directly, offering greater flexibility and strategy.
Who Is It For
- HNIs and Ultra-HNIs
- Investors seeking high-level customization and control
- Individuals with high amounts to invest
Why It Matters
For large portfolios, PMS offers sharper strategies, active management, and a more personalized approach than mutual funds.
How We Make It Seamless
Explaining the PMS Structure
We believe in educating the investor by explaining how PMS differs from mutual funds and AIFs and clarifying the different investment strategies.
Assessing Investor Suitability
We evaluate if the PMS suits the investor’s profile by considering financial goals, risk appetite, time horizon, and net worth.
Selecting the correct PMS
We recommend suitable PMS providers based on the historical performance, investment philosophy, experience, and the fee structure.
Onboarding
Support
At Linac, we offer complete assistance with the onboarding process, which includes the documentation procedures, account setup, and coordination with the PMS provider.
Performance
Tracking
Our performance monitoring services include analyses of performance with benchmarks and expectations through periodic reports and reviewing portfolio holdings, and strategy execution.
Communication with the Clients
We maintain complete transparency with the clients through consistent communication to offer regular updates of the PMS reports and highlight changes in the portfolio or market trends.
Coordination
We aim to bridge the gap between our clients and the PMS house to solve queries and provide balance by offering timely reporting, tax documents, and redemptions.
Why Linac Finserv?
We believe you deserve more than just investment choices — you deserve a trusted partner in your financial journey. We blend meaningful relationships, expert guidance, and intelligent technology to help you build lasting wealth and a secure future.
Reach out to us today and get closer to your dreams, freedom, and a secure future!
AIFS
Alternative Investment Fund
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PMSs
Prime Minister’s Scholarship Scheme
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