NS Financial Services helps you start and manage mutual fund investments for retirement, your children's education and other goals. We explain every step in simple language, and we stay with you after you invest.
We are a mutual fund distributor. We help you invest in mutual fund schemes and look after your investments over the years.
Start a monthly SIP or invest a lump sum in schemes from the fund houses we distribute. We explain the options and help you with the forms.
Build a retirement fund steadily while you earn, and set up a systematic withdrawal plan (SWP) for regular income later.
Invest towards school and college costs on a timeline that matches when the money will be needed.
Complete your KYC, add nominees and register your bank mandate so your investments start on the right footing.
Help with statements, SIP changes, switches, redemptions and updating your details whenever something changes.
Sit down with us from time to time to see how your investments are tracking against your goals.
Getting started takes a short conversation and a few documents.
Share your goals, time frame and comfort with risk.
We help with the simple one-time process. Keep your PAN, Aadhaar and bank details ready.
We explain options that fit your goals.
Set the amount and date. It runs automatically.
Yearly review and help whenever you need it.
We follow the AMFI Code of Conduct for mutual fund distributors. Here is what that means for you.
We suggest only what suits your goals, time frame and comfort with risk, never what pays us more.
We explain each scheme's features and risks, and ask you to read the scheme documents (SID, SAI and KIM) before you invest.
Mutual funds do not guarantee returns, and the value of your investment can fall. We never promise or assure returns.
Fund houses pay us commission on Regular Plans. We tell you the commission on the schemes we suggest.
We do not push needless switches to earn more, and we do not offer rebates or gifts to win your business.
Every form carries your own contact details, and your information is never shared except as the law requires.
We distribute schemes of selected fund houses only, so schemes of other fund houses may also suit you. If you have any concern, write to us at nsfinserv.kmu@gmail.com and we will help resolve it promptly.
See how a monthly SIP could grow over time. Move the sliders or type a value.
Illustration for investor education only, at an assumed return of 12% a year with each instalment invested at the start of the month. Assumed returns are capped at 13% a year. Mutual funds do not assure returns, and actual returns may be higher, lower or negative. Past performance may or may not be sustained in the future and is not a guarantee of future returns. This is not a recommendation of any scheme.
Our investor guide in six short parts. No stock market knowledge needed.
Investing means putting your money to work so it grows over time, like a farmer planting seeds today for tomorrow's harvest.
Earning money is the first step. Making your money earn for you is the next.
Your future needs will cost much more than they do today, and your salary alone may not be enough.
Invest first, then spend what is left.
If prices rise 6% a year.
Inflation is the steady rise in prices. The same ₹100 buys a little less every year.
If your money isn't growing faster than prices, you are getting poorer every year.
Assumes prices rise 6% a year.
Your money must grow faster than prices. Only growth above inflation is real growth.
Safe from market ups and downs is not the same as safe from inflation.
| Kept in | You will see | Worth in today's money |
|---|---|---|
| Cash at home | ₹1.00 L | ₹0.42 L |
| Savings (3%) | ₹1.56 L | ₹0.65 L |
| FD (7%) | ₹2.76 L | ₹1.15 L |
| Equity fund (12%) | ₹5.47 L | ₹2.28 L |
Assumed rates, with inflation at 6%. Equity fund returns are not guaranteed.
Like a house needs a foundation, your money needs a safety base before long-term investing.
Protect first, then invest.
Compounding means earning returns on your returns, like a snowball that grows as it rolls.
Compounding needs only your money and your patience.
Assumed rate for illustration, not a promise.
A small amount started early can beat a big amount started late.
The best time to start was yesterday. The next best time is today.
Assumed 12% a year. Not a guarantee.
A mutual fund pools money from many people. A professional fund manager invests it, and each investor owns units.
You don't need to pick shares yourself. Experts do it for you.
NAV is the price of one unit, published every business day.
They give ordinary families the same tools big investors use.
Mutual funds were made for people like you.
Different funds suit different needs. First ask: when will I need this money?
Match the fund to your goal's time frame, not to last year's top performer.
| Fund type | Suits money needed in |
|---|---|
| Equity | 5 years or more |
| Hybrid | 3 to 5 years |
| Debt | 1 to 3 years |
| Liquid | Days to 1 year |
A SIP invests a fixed amount in a mutual fund every month, automatically, like a recurring deposit.
Over long periods, growth can become bigger than what you put in.
Assumed 12% a year. Not a guarantee.
No big amount or market knowledge needed. Just start and keep going.
For a SIP investor, a falling market is a sale season.
When prices fall, the same ₹1,000 buys more units. This is called rupee cost averaging.
Three automatic plans. One builds your money, one moves it safely, one pays you an income.
SIP to build. STP to move. SWP to earn a monthly income.
Start with the goal: what you need, by when, and how much to invest each month.
A goal without an amount and a date is only a wish.
| Goal | 10 yrs | 15 yrs | 20 yrs |
|---|---|---|---|
| ₹10 lakh | ₹4,460 | ₹2,100 | ₹1,090 |
| ₹25 lakh | ₹11,160 | ₹5,250 | ₹2,720 |
| ₹50 lakh | ₹22,320 | ₹10,510 | ₹5,440 |
| ₹1 crore | ₹44,640 | ₹21,010 | ₹10,870 |
Assumed 12% a year. Not a guarantee.
In the short term, markets move with news and emotions. Over the long term, they have tended to follow business growth.
Time in the market matters more than timing the market.
Source: BSE. Past performance may or may not be sustained in future.
Safe in how they are run and regulated, but not free from market ups and downs.
Beware of anyone promising guaranteed returns.
Understand the risk, and take only what suits your goal.
Take risk only with money you won't need soon.
You can't control the market, but you can control your mix, timing and reviews.
Discipline protects you more than predicting the market.
Common myths keep many people away from mutual funds.
When in doubt, ask.
| Myth | Fact |
|---|---|
| I need a lot of money. | A SIP can start with a few hundred rupees. |
| Returns are guaranteed. | No. Returns depend on markets. |
| Stop the SIP when markets fall. | Falls buy more units at lower prices. |
| A lower NAV is cheaper. | NAV level doesn't decide returns. |
Simple habits, followed patiently, matter more than finding the perfect fund.
Start, stay regular, stay patient.
For investor education only, not investment advice or a recommendation of any scheme. Examples use assumed rates (inflation 6%, equity funds 12%) to explain ideas and do not guarantee returns. Past performance may or may not be sustained in the future and is not a guarantee of future returns.
Call, WhatsApp or email us with your goal, and we will get back to you. We are happy to explain everything in Tamil or English.