The more capital one can invest, the more investment opportunities become available. This means institutional and sophisticated investors can diversify their portfolios better. On the other hand, retail investors need more diversification. Especially in India.<\/p>\n
My theory is that Indians invest in what they believe are safe investments – fixed deposits (FD), gold and real estate – because they don\u2019t have social security. Not enough Indians have insurance either. Only when they feel secure do they wade into stocks. But they miss a step in between – corporate bonds. For that matter, not many know how to include government bonds in their portfolio either.<\/p>\n
As co-founder and CEO Ajinkya Kulkarni explains in this episode of From Scratch, he realised that he could lend his own money to his father\u2019s business to get a higher yield than FDs. Despite this potential, however, investors can\u2019t invest in high-yielding corporate bonds easily. People don’t understand how bonds work, how to pick good bonds, or where to invest in them. And they usually don’t have the capital to invest in them in the first place.<\/p>\n
These are hard problems to solve. That\u2019s why the folks at Wint Wealth<\/a> decided to take it on.<\/p>\n