{"id":7902,"date":"2022-12-17T14:58:01","date_gmt":"2022-12-17T09:28:01","guid":{"rendered":"https:\/\/aayushbhaskar.com\/?p=7902"},"modified":"2022-12-17T16:37:59","modified_gmt":"2022-12-17T11:07:59","slug":"wint-wealth","status":"publish","type":"post","link":"https:\/\/aayushbhaskar.com\/wint-wealth\/","title":{"rendered":"Wint Wealth Review: Is This a Legit Way to Grow Your Wealth?","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"
A platform whose assets are getting fully subscribed in a day. Some of the listed assets getting sold out in 2 hours, and Wint Wealth is making headlines in India\u2019s finance industry.<\/p>\n
But, what is Wint Wealth, How does it work?<\/p>\n
Why is it so hyped, and does it really give good returns?<\/p>\n
I used the Wint platform to find answers to all of these questions.<\/p>\n
Let\u2019s get started with the A to Z of the platform and whether it is worth your time and money or not.<\/p>\n
<\/p>\n
Wint Wealth<\/a> is a platform for raising funds for the NBFCs (Non-Banking Financial Companies). It provides a list of assets to its users and offers a good fixed return on their investments.<\/p>\n Wint wealth offers senior secured bonds<\/a> from different companies directly to the user.<\/p>\n But, why exactly do you need to use Wint to invest in these bonds?<\/p>\n Let\u2019s find out.<\/p>\n Generally, retail investors cannot invest in these bonds as their ticket size is very high. It starts at around Rs.10,00,000 which is not feasible for these retail investors.<\/p>\n The second alternative for investing in them is through the banks and mutual funds<\/a>. These financial instruments take the funds from the retail investors, add their margins, and costs and then invest them in these bonds.<\/p>\n The problem with this process is that the interest rate received by the investor is often low. This happens because the banks keep their share of profits as well.<\/p>\n Wint aims to tackle all such concerns by letting the retail investors directly invest in these bonds. As per the new regulations, investors can now make a minimum investment of Rs.10,000 in these bonds.<\/p>\n Through Wint, you can now directly invest in these bonds without the interference of any bank or mutual fund. This gives a higher rate of return to the investors.<\/p>\n Before jumping onto Senior Secured Bonds, it is important to understand each of its terms. To begin with, a bond is fixed-income security. In the language of finance, a bond is a security where the issuer has a debt to the holder of the bond. The issuer is obliged to repay the principal amount of the bond at its maturity and the interest over a period of time.<\/p>\n Now, there are two types of Bonds, i.e. Unsecured bonds and Secured Bonds. An Unsecured bond simply means a bond that has no security involved in the contract. If the company wraps up its operations, then there is a very minimal chance of recovering your principal sum from the company.<\/p>\n A secured bond is one that is backed by sufficient securities. So, if the company winds up, you have a higher chance of getting back your principal amount.<\/p>\n Finally, the senior secured bonds mean that in the events of the company\u2019s closure, the senior-most secured bondholders will be the first ones to receive their investments. Wint wealth\u2019s Senior Secured Bond is based on this model only.<\/p>\n There are many features coming on the table with Wint\u2019s Senior Secured Bonds. Let\u2019s have a look at all of them in detail.<\/p>\n Unlike other bond investments, where there is a very high ticket size, Wint offers the retail investors to participate in these fixed income securities for as low as Rs.10,000. So, you don\u2019t have to invest a hefty sum in these securities and can start with a very low amount to make some handsome returns.<\/p>\n Investors are generally scared to invest in anything directly as there are many scams happening in the finance sector. To tackle this, Wint filters out the best companies and only provides the safest option to the investors.<\/p>\n People are getting sick of the continuous decrease in the returns of Fixed deposits, and Wint gives just the perfect solution to this. Being a safe and secured fixed-income security, a Senior secured bond is similar to FDs in nature. However, they provide around 9% to 11% of returns, which is much more than FDs.<\/p>\n Wint Wealth\u2019s senior secured bonds are nowhere near the amount of risk possessed by the stock markets. If your risk appetite is low or you are someone who doesn\u2019t want to lose their principal amount, Wint\u2019s investment instruments can be the best bet for you.<\/p>\n As people aim to diversify their portfolio options, Wint offers a good opportunity in this domain. You can easily make your investments in equity and debt, as these bonds let you directly invest in secured and safe debts.<\/p>\n Wint Wealth offers around 9% to 11% returns on their Senior Secured Bonds, which is a very good return considering that it is a fixed return security.<\/p>\n Unlike other FDs and bonds that offer returns to the long-term game, i.e., around 5 years, these bonds offered by Wint Wealth give this return in a mere 2 years time period.<\/p>\n If you are into investments, then you definitely must be aware of the fact that you need to diversify your portfolio. This diversity gives you protection against sudden stock market crashes. With Senior Secured Bonds, you can easily diversify your portfolio by investing in debts that offer fixed returns.<\/p>\n A major advantage of investing in Wint Wealth is its regulations. It is regulated by SEBI & RBI, which gives a sense of security and protection to the investors. So, you can definitely trust Wint with your investments.<\/p>\n Many of the bonds present for investments on Wint\u2019s platform are listed on the stock market. This gives a lot of liquidity to these instruments.<\/p>\n With any investment, comes a lot of risk on the table. Let us have a look at the risks involved in Wint Wealth\u2019s platform.<\/p>\n A lot of times, the investors are scared that their investments might get to zero if the start-up winds up. In many cases, the unsecured bonds have landed these investors in huge losses. Wint Wealth removes this risk by letting only those companies on their platforms that have excess security pools cover their raised funds.<\/p>\n You can even go for Amortizing bonds, under which you can easily retrieve your principal amount in installments in a specific period of time.<\/p>\n Although you can buy these bonds whenever they are available, you might face issues when you want to sell them. This is because these bonds don\u2019t have much liquidity at times, even when it are listed on the stock exchanges.<\/p>\n The best way to deal with it is to invest only that amount that you can hold for a period of time. Wint assists in this by providing good returns in a short period of two years or even one year. Through this, the investors don\u2019t have to wait for earning their interests and the principal amount.<\/p>\n No one knows when fraud can happen to someone. There have been many instances when people have been conned of lakhs of capital. Similarly, people are not 100% confident in these bonds.<\/p>\n Wint offers the full safety of these bonds through different practices. First of all, any and all the bonds are cherry-picked by them. Wint only brings those companies that have low leverage.<\/p>\n A Low leverage company means that it has a low debt-to-equity ratio. This means that when the company ends its operations, it will be able to pay off the debts through its equity.<\/p>\n <\/p>\nWhy Wint?<\/h2>\n
What Are Wint\u2019s Senior Secured Bonds?<\/h2>\n
Features Of Wint Wealth<\/h2>\n
1. Low ticket Size<\/h3>\n
2. Good & Safe Investments On The Platform<\/h3>\n
3. Better Returns Than FDs<\/h3>\n
4. Lower Risk Than Stock Markets<\/h3>\n
5. A Diverse Investment Opportunity<\/h3>\n
Benefits Of Wint Wealth<\/h2>\n
1. Good Returns<\/h3>\n
2. Less duration<\/h3>\n
3. Diversification<\/h3>\n
4. Fully Regulated<\/h3>\n
5. Listed On Stock Markets<\/h3>\n
Risks Involved<\/h2>\n
1. Credit Risk<\/h3>\n
2. Liquidity Risk<\/h3>\n
3. Fraud Risk<\/h3>\n
How To Invest In Senior Secured Bonds of Wint Wealth<\/h2>\n