Your cashflow is steady, so the work is discipline: SIPs mapped to clear goals, an emergency fund that stays untouched, and tax-saving funds chosen with a plan.
We start from the goal, not the fund: how much is needed, in which year, and how much of a market fall you can sit through on the way. That decides whether a SIP goes into equity, hybrid or debt — and when it should start moving to safer funds as the date approaches. Step-ups are agreed upfront, so the SIP rises with your income without a fresh decision every year.
We also help you check that term and health cover match your loans and your family. Reviews happen every year, and whenever your salary or family situation changes.
Suits
Salaried investors in their 30s and 40s; young families
Typical goals
Education, a home, retirement, a parent's medical fund
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing. Seed Investments is an AMFI-registered Mutual Fund Distributor (ARN-136455) and does not provide investment advice; the information above is to help you assess suitability. The decision to invest is yours.
Who we help · Cashflow
Business owners, retirees, and parents' income
Cashflow comes in lumps. We keep enough in short-term funds that a slow quarter never forces a sale — and we make sure the surplus is working in the meantime.
For a business, surplus that sits in a current account earns nothing, and an FD locks it up. A structure of liquid, short-duration and high-quality (AAA/AA) debt funds, laddered to when the money may be needed, keeps it earning and available on any business day. Whose name to invest in — individual, HUF, family members, the firm — is settled before investing, not after.
For retirement, we set aside three to five years of income in debt and liquid funds first, then set up a monthly withdrawal (SWP) that the rest of the portfolio can support. Review dates are fixed before the first withdrawal, nominations are done properly, and a market fall never changes what reaches the bank on the 1st. Many clients set this up for their parents.
Suits
SME founders and proprietors; anyone nearing or in retirement; children arranging a parent's income
Instruments
Liquid, overnight, short-duration and corporate-bond debt funds; arbitrage; SWP from hybrid or debt
Liquidity
Open-ended funds redeem on any business day; money usually in the bank within one to three working days
Tax
Explained in writing for your situation; filing stays with your tax consultant
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing. Seed Investments is an AMFI-registered Mutual Fund Distributor (ARN-136455) and does not provide investment advice; the information above is to help you assess suitability. The decision to invest is yours.
Who we help · Structure
Families with larger portfolios — above ₹5 crore
How much in mutual funds, whether SIF, PMS or AIF fit, in whose name, and how each is taxed — tracked as one family portfolio.
We consolidate holdings across fund houses and family members into a single view, keep concentration in any one fund, sector or manager within agreed limits, and put the cost of every product next to what it is expected to add. A diversified core does most of the work; concentrated strategies are added in limited size, with the reason and the exit terms written down.
We are registered with APMI to distribute PMS and hold the NISM certification for SIF. AIFs we help you compare and understand — the strategy, the manager's record, the fees, the lock-in and the tax — and we only bring one up when a mutual fund or PMS cannot do the job.
Suits
Families with ₹5 crore and above, across several products and members
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing. Seed Investments is an AMFI-registered Mutual Fund Distributor (ARN-136455) and does not provide investment advice; the information above is to help you assess suitability. The decision to invest is yours.
Our services
What we offer
Five things we do. Tap any of them for the detail.
SEBI sets the minimums for SIF, PMS and AIF. Insurance is offered as an IRDAI-licensed intermediary.
The core of almost every portfolio we service. Equity, debt, hybrid and index funds from 25+ fund houses, held in your own name.
Every scheme we suggest passes the same filter: does it fit the goal it is meant for, is the risk within what you have said you can live with, and is the cost justified by what the fund is expected to do? A scheme that tops a one-year table but fails any of those three does not get in.
SIPs from ₹500 a month and lump sums of any size. Regular plans through us carry a trail commission built into the expense ratio; direct plans do not, and you are free to hold them — we show you both costs side by side.
Everything sits in your own NSE mutual fund account. You can see it on the web dashboard and the mobile app, and redeem on any business day.
Minimum
SIP ₹500 / month; lump sum any amount
Liquidity
Open-ended schemes redeem on any business day; ELSS has a 3-year lock-in per instalment
How we are paid
Trail commission from the fund house, disclosed on your statement
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing. Seed Investments is an AMFI-registered Mutual Fund Distributor (ARN-136455) and does not provide investment advice; the information above is to help you assess suitability. The decision to invest is yours.
What we offer · Mutual Funds & SIF
SIPs mapped to goals
One SIP per goal, sized to the target and the date. It is the simplest structure we know, and the easiest to stick with.
We start from the goal, not the fund: how much is needed, in which year, and how much of a market fall you can sit through on the way. That decides whether the SIP goes into equity, hybrid or debt — and when it should start moving to safer funds as the date approaches.
Step-ups are agreed upfront, so the SIP rises with your income without a fresh decision every year. Reviews check whether each goal is on track and whether anything in your life has changed.
Suits
Salaried investors and young families
Typical goals
Education, home down payment, retirement, a parent's medical fund
Review
Annually, and whenever income or family situation changes
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing. Seed Investments is an AMFI-registered Mutual Fund Distributor (ARN-136455) and does not provide investment advice; the information above is to help you assess suitability. The decision to invest is yours.
What we offer · Mutual Funds & SIF
The right mix of index and active funds
Both have a place. The proportion is the actual decision — and we write it down so it does not drift.
In the large-cap end of the Indian market, the cost of an active fund is hard to beat consistently, so index funds often make sense there. In mid and small caps, and in some debt categories, the gap between good and average managers is wide enough that a fund manager can still earn the fee.
For every active fund we suggest, we show you its cost, the index alternative, and what the fund needs to deliver to justify the difference. You decide with that in front of you.
Typical use
Index for large-cap core; active for mid/small cap and selected debt
What you see
Expense ratio, index alternative and the gap, in writing
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing. Seed Investments is an AMFI-registered Mutual Fund Distributor (ARN-136455) and does not provide investment advice; the information above is to help you assess suitability. The decision to invest is yours.
What we offer · Mutual Funds & SIF
Sectoral and thematic funds
Sector and thematic funds have their place — as a small, deliberate part of a portfolio, never as its centre. We follow the sectors closely enough to hold that line.
These funds carry the deepest falls in the category, and they are where investors most often give up on a plan at the worst moment. Taken deliberately, capped at an agreed share of the portfolio, with an exit rule decided before entry, they are a reasonable way to express a view.
Many active sector funds lean towards large caps. When the plan wants concentrated mid- or small-cap exposure to a sector, a sectoral index fund can deliver it more directly, and usually at lower cost. We show both, with the expense ratio and the gap.
The same exposure collected one NFO at a time until it dominates a portfolio is a different situation. If that is where you are, we map what you hold, show the true concentration, and discuss it — sometimes the answer is that nothing needs to change.
Our rule
Capped share of the portfolio; exit rule agreed before entry
Instruments
Active sector/thematic funds; sectoral and mid/small-cap index funds
Suitable for
Investors with a diversified core already in place
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing. Seed Investments is an AMFI-registered Mutual Fund Distributor (ARN-136455) and does not provide investment advice; the information above is to help you assess suitability. The decision to invest is yours.
What we offer · Cashflow & Retirement Income
Cashflow from debt funds
A firm's working surplus, or a household's next three years, should earn something and stay reachable. Debt funds, laddered to when the money may be needed, do both.
Money in a current account earns nothing; an FD earns something but locks it. A structure of overnight, liquid, short-duration and corporate-bond funds — selected for credit quality (AAA/AA paper) and matched in duration to when the money may be called on — keeps it working and available on any business day.
We set the ladder with you: what may be needed this quarter, this year, and later. Whose name it sits in — the firm, the proprietor, the HUF — is settled first. Credit quality, duration and exit loads are shown before you invest, and the same structure feeds a household's short-term bucket.
Suits
SMEs and proprietors with a working surplus; anyone building the short-term bucket
Instruments
Overnight, liquid, ultra-short and short-duration funds; corporate-bond funds; arbitrage where suitable
Liquidity
Any business day; money usually in the bank in one to three working days
Tax
Explained in writing for the entity; filing stays with your CA
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing. Seed Investments is an AMFI-registered Mutual Fund Distributor (ARN-136455) and does not provide investment advice; the information above is to help you assess suitability. The decision to invest is yours.
What we offer · Cashflow & Retirement Income
Retirement income by SWP
When the salary stops, the portfolio has to start paying. The structure below is what makes that income arrive every month regardless of what the market did last quarter.
We fill the short-term bucket first — three to five years of the monthly income, in liquid and short-duration debt funds. This is the money that pays the bills, and it does not move with the stock market. An SWP then credits a fixed amount to the bank on a fixed date each month, and can be stepped up for inflation.
At each review, gains from the long-term bucket refill the short-term one. In a bad year for equities, the refill waits — the income does not. Many clients set this up for their parents, in the parent's name, with nominations done and a family view on the dashboard.
Suits
Anyone nearing or in retirement; children arranging a parent's income
What an SWP is
A withdrawal facility from a mutual fund — not a guaranteed pension
Try it
The retirement income calculator on this site runs in your browser
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing. Seed Investments is an AMFI-registered Mutual Fund Distributor (ARN-136455) and does not provide investment advice; the information above is to help you assess suitability. The decision to invest is yours.
What we offer · PMS & AIF
SIF, PMS and AIF
Three routes above the mutual fund minimums. Each has a SEBI-set entry, its own liquidity and its own reason to exist — and none of them replaces a diversified core.
SIF — ₹10 lakh. Run by mutual fund houses under SEBI's SIF framework. Can hold more concentrated positions, and strategies such as long-short, than a regular scheme. We hold the NISM certification required to distribute them.
PMS — ₹50 lakh. Run by SEBI-registered portfolio managers, with the securities in your own demat account. We are registered with APMI to distribute PMS, and we put the fees, the hurdle and the exit terms next to a comparable mutual fund before you commit.
AIF — ₹1 crore. Access to strategies a mutual fund cannot hold — private credit, long-short, structured — in exchange for locking the money in for the fund's term. The strategy, the manager's record, the fees, the lock-in and the tax are explained in writing first.
In most portfolios the honest answer is that none of these is needed yet, and we will say so. They earn a place only when the plan calls for something a scheme cannot do and you meet the eligibility.
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing. Seed Investments is an AMFI-registered Mutual Fund Distributor (ARN-136455) and does not provide investment advice; the information above is to help you assess suitability. The decision to invest is yours.
What we offer · Mutual Funds & SIF
Specialised Investment Funds (SIF)
A newer option from SEBI, run by mutual fund houses, for investors who want strategies beyond a regular scheme without the PMS ticket size.
SIFs can use strategies such as long-short and can hold more concentrated positions than a mutual fund scheme. They are run by AMCs under SEBI's mutual fund framework, with a ₹10 lakh minimum across a fund house's SIF strategies.
They are useful for some investors and unnecessary for most. If your plan does not need what a SIF does, we will say so. We hold the NISM certification required to distribute them.
Eligibility
₹10 lakh minimum, by SEBI regulation
Run by
Mutual fund houses (AMCs) under SEBI's SIF framework
Distribution
Through AMFI-registered distributors holding the NISM SIF certification — which we do
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing. Seed Investments is an AMFI-registered Mutual Fund Distributor (ARN-136455) and does not provide investment advice; the information above is to help you assess suitability. The decision to invest is yours.
What we offer · PMS & AIF
Portfolio Management Services (PMS)
For portfolios where a concentrated, professionally run strategy fits the plan. We help you compare managers and understand the terms before you commit.
PMS is offered by SEBI-registered portfolio managers. Your money sits in your own demat account, the manager runs the strategy, and fees — fixed, performance-linked or both — are charged as per the agreement you sign. We put those fees, the hurdle and the exit terms next to a comparable mutual fund so the difference is clear.
PMS suits investors who already have a diversified core and want a specific strategy on top. It is not a substitute for that core.
Eligibility
₹50 lakh minimum, by SEBI regulation
Held in
Your own demat account
Distribution
Seed Investments is registered with APMI as a PMS distributor
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing. Seed Investments is an AMFI-registered Mutual Fund Distributor (ARN-136455) and does not provide investment advice; the information above is to help you assess suitability. The decision to invest is yours.
What we offer · PMS & AIF
Alternative Investment Funds (AIF)
AIFs give access to strategies a mutual fund cannot hold. They also lock money in for years. Both facts go in writing before you commit.
Category II and III AIFs — private credit, long-short equity, structured strategies — are for investors who can commit ₹1 crore for the fund's full term and can absorb a loss on that portion without it affecting the plan.
We explain the strategy, the manager's record, the fee structure, the lock-in and the tax treatment before you invest, and only when the plan calls for something a mutual fund, SIF or PMS cannot provide.
Eligibility
₹1 crore minimum, by SEBI regulation
Liquidity
Locked in for the fund's term; no early exit in most cases
Suitable for
A small share of a large, already diversified portfolio
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing. Seed Investments is an AMFI-registered Mutual Fund Distributor (ARN-136455) and does not provide investment advice; the information above is to help you assess suitability. The decision to invest is yours.
What we offer · Health & Term Insurance
Term insurance
Term insurance is bought to cover a risk, never as an investment. We size it, compare it across insurers and help you buy it — as an IRDAI-licensed intermediary.
Term cover is sized to your loans plus the years of income your family would need to replace. Health cover is sized to hospital costs in your city, with a top-up where it is cheaper than a larger base policy. We compare policies across insurers and explain exclusions and waiting periods before you sign.
We do not mix insurance with investing. If a product is being sold to you as both, we will show you what it costs against a term policy plus a mutual fund.
Products
Term life; critical-illness riders where they make sense
Our role
IRDAI-licensed insurance intermediary; commission paid by the insurer
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing. Seed Investments is an AMFI-registered Mutual Fund Distributor (ARN-136455) and does not provide investment advice; the information above is to help you assess suitability. The decision to invest is yours.
What we offer · Health & Term Insurance
Health insurance
Health cover is sized to hospital costs where you live, for the whole family. We compare policies, explain exclusions and waiting periods, and help you buy — as an IRDAI-licensed intermediary.
Term cover is sized to your loans plus the years of income your family would need to replace. Health cover is sized to hospital costs in your city, with a top-up where it is cheaper than a larger base policy. We compare policies across insurers and explain exclusions and waiting periods before you sign.
We do not mix insurance with investing. If a product is being sold to you as both, we will show you what it costs against a term policy plus a mutual fund.
Products
Family floater, top-up and super top-up, senior-citizen and critical illness
Our role
IRDAI-licensed insurance intermediary; commission paid by the insurer
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing. Seed Investments is an AMFI-registered Mutual Fund Distributor (ARN-136455) and does not provide investment advice; the information above is to help you assess suitability. The decision to invest is yours.
What we offer · Mutual Funds & SIF
NRI investing in India
Investing in Indian mutual funds from abroad is straightforward once the accounts are set up correctly. We do that part carefully, once.
NRE and NRO money is treated differently for repatriation and tax. We help you set up KYC, FATCA declarations and the right bank mapping so redemptions land where you expect. Some fund houses do not accept investors from the US and Canada; we tell you which before you choose.
Tax on your Indian investments is explained in writing. For tax where you live, we work alongside your own tax consultant. Reviews run on video in your time zone.
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing. Seed Investments is an AMFI-registered Mutual Fund Distributor (ARN-136455) and does not provide investment advice; the information above is to help you assess suitability. The decision to invest is yours.
As a client
Your account. Your dashboard.
In your name. On web and mobile.
Family view — everyone in one place, with consent
Goals — each SIP against its number and date
Reports — monthly report and capital gains, sent on time
Nothing held by us — the fund houses hold your money
Apps are good at buying. The work starts after that.
DIY appsGroww · Zerodha Coin · Kuvera · ET MoneySeed
Where apps are better
Lowest cost — direct plans, no commission
Start with ₹100, no one to talk to
Buy, sell and track on your phone in minutes
Fine if you have the time and the interest to run it yourself
Where a person matters
Someone who knows your family and your goals
Folios kept sorted across the family, in the right names
A switch suggested when it is needed — and not when it is not
Sectors, themes and policy changes followed for you
Why a fund is not performing, explained
A call in a falling market, before you sell
Goals with a number and a date, in writing; fixed quarterly review
What it costs youNothing — direct planAbout 0.5% a year, inside the fund's expense ratio
Both are fair choices. If you have the time to run it yourself, the app is cheaper and we will tell you so. If you do not, we help you take well-informed decisions — the decision is always yours.
