Why it was too late for me to invest in Wint Wealth ?

I was always curious about new age finance instruments that exist or are about to arrive in the market. I have invested in some of them out of FOMO and some out of some basic research involved what most call as the technical analysis (most folks in their 20s/30s might have experienced that).

Here is a discussion about how and what I feel about the product….this is a rookie’s take on the product. Also, I have applied for the current live asset of Wint Wealth, hence tried to shed some light on the product and the org…

What is Wint Wealth?

Wint Wealth initially started out as GrowFix in March 2021. Ajinkya Kulkarni the co-founder of Wintwealth had a crisp story to tell about the change of name and it necessitates the value of customer perception Ajinkya bored in his mind about the product in terms of trust.

The beauty of the announcement was Ajinkya announced with the help of a meme! Also, they have partnered with some best in the market content creators + finance educators like Rachana Ranade ma’am, Nitihin Kamath, who happens to be an angel investor in the company.

#mememarketing

Yet another beautiful part of the initial earnest marketing efforts of Wint Wealth was its twitter page tweeted some otherwise neglected things about financial behavior most individuals go through like the one in below tweet. We often have a chance to miss on that front..

The above thread begins from the tweet below. (I just want more engagement on my space!!)

This is yet another effort about the organic marketing by use of legit information sharing about financial instruments that can be really beneficial for folks who don’t have any prior knowledge of it!! (including me!!)

I am in love of the memes they created, when marketing their products, I tell you!!

Below is one more such example. Now let us discuss something important considering the things mentioned in the below meme. DO have a close look once!

What exactly does Wint Wealth want to tap into?!

Seeking your attention here now! Based on the beautiful meme above from the product’s twitter page. Below is an important chart that puts the product in position amongst most existing financial instruments. This chart, apart from giving customer a FOMO, (which is not wrong, it is one of the principles to woo the new age investors) talks about the balance, the founders want to keep with their customers about their product.

The product is less riskier and gives balanced returns than equity based instruments like equity mutual funds and stocks. But it gives slightly better returns (which if calculated are better than FD but the element of risk cannot be denied outright!)

After all this risk assessment here is that one thing that Wint Wealth taps into: the debt based instruments. WE, as long term investors have very less to no past history of investing in debt based instruments, commonly known as bonds.

Here’s a poll that Wint Wealth conducted about the debt investment scenario:

Bonds are basically issued by government for raising funding for their undertaking businesses or by private entities for the same function. These are linked to debt unlike equity that we deal in, say stock market for example. What a debt/bond implies as a feature is fixed return (risk might or might not be there based on the product and other allied qualities).

The company completed its first thousand subscribers in April 2021 itself!!

How do they keep working on keeping the belief of customers?

SEBI in April last year announced that it would make the fund managers/product stakeholders mandatory to hold 20% of their salary as assets in the product they are managing.

Wint Wealth too was governed by the same principle. Apart from the regulatory policy, the organisation holds 2% of the active asset until it matures.

Proactive measures by stakeholders> > > >Regulation

The company crosssed 102 crores as assets under management in September 2021 itself.

More than seven rounds of the asset allocations have been conducted until now. The AUM under operation has obviously have increased.

The latest issue information is below.

Why to invest in Wint Wealth? (No financial advice, just an analysis out of value proposition)

The tenure of maturity of most debt instruments is considerably higher. This can be easily found out by some online research about some products like government bonds and private bonds. “fixed Income.com” is one such aggregator of such products to check for.

What Wint Wealth does is optimizes the issue price of such products (~10k per 10 units), reduces the lock in period of assets up to one year (based on the series options the tenure may vary, please don’t believe in my words completely) and the returns are better than fixed deposits with some risk reward factor. The basal aim of the company is to make the debt asset available to retail investors.

Loans are lent to the partner companies for collaterals, that are hedged in each asset issue in terms of gold, counter loans etc., (please check the asset information, one example is cited above for yourself).

The current issue is of senior secured bonds (Januray 2022). Senior secured bonds are with medium risk, secured with collateral, give medium returns as compared to other types of bonds in the category (senior unsecured bonds and subordinated bonds are others in category).

This can be a good option to look out for, for short term asset investment in debt. Please research on Wint Wealth’s website and other resources online before investing.

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