Frequently Asked Questions

Your queries, answered in one place

Why is financial planning important?

Financial planning helps you align your money with your goals — whether it’s buying a house, funding your child’s education, building wealth, or securing retirement. Without planning, investments are scattered; with planning, they’re structured, efficient, and goal-driven.

Why should I choose Ant Vault for my investments?

Ant Vault is not just a distributor — we are certified financial advisors (NSE, AMFI, IRDA) with over 25 years of experience and 1000+ satisfied clients. Inspired by the discipline and foresight of ants, we ensure small, consistent steps lead to mammoth outcomes.

What exactly is a mutual fund?

A mutual fund pools money from multiple investors and invests in a diversified basket of equities, bonds, or hybrid assets. It’s managed by professional fund managers, giving you the benefits of expertise, diversification, and growth.

Why should I invest in mutual funds through Ant Vault?

We don’t just handpick funds — we analyze your goals, risk tolerance, and time horizon before recommending investments. With us, you get:

  • Smart fund selection (not random chasing of returns).
  • Portfolio rebalancing as markets shift.
  • Guidance across life stages (young professional, family, retirement).
Are mutual funds safe?

Mutual funds are market-linked, so they carry some risk. However, they’re structured to spread risk across asset classes. Over the long term, they’re one of the most effective ways to grow wealth.

Who should consider PMS?

PMS is designed for High Net-Worth Individuals (HNIs) looking for customized wealth management. If you want a portfolio tailored to your unique financial goals, PMS may be right for you.

How is PMS different from mutual funds?
  • Mutual Funds → Pooled investment for many investors.
  • PMS → A personalized portfolio in your name, curated for your risk-return profile.
What is the minimum investment for PMS?

As per SEBI regulations, the minimum investment is ₹50 lakhs.

Why invest in equities?

Equities give you direct ownership in companies, offering wealth creation through capital appreciation and dividends. Ideal for long-term growth.

What are ETFs and how are they different?

ETFs (Exchange Traded Funds) are baskets of securities that track indices, sectors, or asset classes. They’re low-cost, diversified, and traded like stocks on exchanges. Unlike individual equities, ETFs spread risk while providing exposure to markets.

How does Ant Vault help in equity & ETF investing?

We assess your goals, risk profile, and market trends to build a balanced portfolio of equities and ETFs — maximizing growth while managing volatility.

What is a loan against mutual funds?

It’s a facility where you can borrow money by pledging your mutual fund units as collateral — without selling them. Your investments continue to grow while you get liquidity.

Why is this better than taking a personal loan?
  • Lower interest rates.
  • No need to break long-term investments.
  • Faster processing and approval.
When should I use this option?

For short-term needs like business expansion, education fees, or emergencies — without disturbing your wealth-building journey.

What is NPS?

NPS is a government-backed retirement savings scheme combining equity, debt, and government securities. It helps you accumulate a retirement corpus and offers tax benefits.

What are the tax benefits of NPS?
  • Up to ₹1.5 lakh deduction under Section 80C.
  • Additional ₹50,000 deduction under Section 80CCD(1B).
Can I withdraw from NPS before retirement?

Yes, partial withdrawals are allowed after 3 years for specific purposes (education, medical, marriage, etc.), but full withdrawal is allowed only at retirement.

Why is life insurance important?

Life insurance ensures your family is financially secure if something happens to you. It covers loans, lifestyle needs, education costs, and retirement income for dependents.

How much life cover should I have?

A rule of thumb: 10–15 times your annual income + outstanding liabilities (like home loans). At Ant Vault, we help you calculate exact coverage based on your responsibilities.

Why do I need health insurance if my company already provides it?

Corporate health insurance often has limited coverage and ends when you leave your job. A personal plan ensures continuous protection for you and your family, even post-retirement.

What is a critical illness plan and do I need one?

It provides a lump sum payout on diagnosis of serious illnesses like cancer or heart disease. It helps cover treatment costs + income loss during recovery. Essential if there’s a family history of such illnesses.

What makes Ant Vault different?
  • 25+ years of expertise.
  • 1000+ happy clients.
  • Certified by NSE, AMFI, IRDA.
  • Inspired by ant principles: small, disciplined steps → mammoth wealth.
  • Holistic wealth management across investment, protection, and retirement.
How does Ant Vault ensure my money is safe?

We only deal with regulated, SEBI-approved products (Mutual Funds, PMS, Insurance, NPS). Our focus is on strategy, not speculation.

Is Ant Vault suitable for young professionals as well as retirees?

Absolutely! We design solutions for every life stage —

  • Young professionals → SIPs, term insurance.
  • Families → Balanced funds, family health cover.
  • Mid-career → Wealth acceleration, equity exposure.
  • Retirees → NPS, pension plans, low-risk funds.