{"id":7981,"date":"2022-06-16T14:35:19","date_gmt":"2022-06-16T09:05:19","guid":{"rendered":"https:\/\/aayushbhaskar.com\/?p=7981"},"modified":"2022-07-14T17:36:01","modified_gmt":"2022-07-14T12:06:01","slug":"wint-wealth-vs-grip-invest","status":"publish","type":"post","link":"https:\/\/aayushbhaskar.com\/wint-wealth-vs-grip-invest\/","title":{"rendered":"Wint Wealth vs Grip Invest – Worlds of Alternative Investments","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"
You are familiar with investing in equities, mutual funds, and the stock markets. But portfolio diversification theory tells us that 95% of the portfolio returns come from diversifying among other asset classes.<\/p>\n
Fixed income or bonds, residential and commercial real estate, asset leases, inventory, venture capital investments, or angel investing in companies provide alternative assets that diversify your portfolio beyond conventional assets like equities and gold<\/a>.<\/p>\n Previous alternative investments were offered to high net worth individuals with a large ticket size of the investment.<\/p>\n Wint Wealth and Grip Invest are alternative investment platforms through which you can invest and diversify your portfolio among non-correlated assets.<\/p>\n In times of volatility, investing in alternative investments is an effective way to diversify risk.<\/p>\n What is the main business proposition of Wint and Grip?<\/b><\/p>\n Wint has designed a radical way to facilitate the deepening of the bond market in India through retail participation.<\/p>\n In India, bond market investing is limited to investments by commercial banks and bond mutual funds. Wint looks at private sector bonds or good corporate credits, which offer a high yield.<\/p>\n When you invest through a bond fund, the yield on the bond mutual fund is reduced by the Fund Manager\u2019s asset management fees and other operational costs.<\/p>\n As bond fund returns are also taxed, you do not get a high rate of return on the bonds. Previously, the minimum investment was prohibitively large when purchasing bonds, pegged at Rs. 10 Lakhs per bond. This means that you could not create your bond portfolio through direct investment<\/a>.<\/p>\n Wint<\/a> makes it possible for you to invest directly in bonds by securitising bonds into smaller minimums suitable for retail investors. Wint allows you to invest directly in NBFC-issued bonds, which carry high yields with minimum investments of Rs 10,000.<\/p>\n Apart from a slightly elevated premium paid on purchasing the bond, only taxes will reduce your total yield. This offers a large spread compared to conventional bank deposits, plus it has the advantage of making fixed-income payments.<\/p>\n Grip<\/a>, in contrast, offers securitised asset pools like asset leases, inventory, real estate<\/a> and venture capital and start-up transactions. Again, these assets are offered at retail minimums, making investing easy.<\/p>\n Both are online fintech platforms offering alternative investments securitised into retail minimums in which a small retail investor can participate.<\/p>\n The universe of investments offered by them is a departure from conventional investments, which are known to you and offer good diversification opportunities for your portfolio and income streams.<\/p>\n Their investments provide regular income streams, except for private equity, where the return is realised only upon IPO and listing on the stock exchange.<\/p>\n Main Differences between Wint and Grip<\/b><\/p>\n