Wint Wealth: Disrupting Traditional Investments with High-Yield Fixed-Income Options

 

Wint Wealth: Disrupting Traditional Investments with High-Yield Fixed-Income Options


[Source - Wint Wealth]

With a Google Play Store rating of 4.3/5 & App Store of 4.7/5, Wint Wealth is making the talks into the finance industry of late. It is a Bengaluru-based Fintech company that specializes in enhancing retail investments in fixed-income securities, especially corporate bonds. The company also offers retail investors access to investment opportunities conventionally at the disposal of institutional investors. In July 2023, Wint Wealth received the Online Bond Platform Provider (OBPP) license from the Securities and Exchange Board of India (SEBI). This license enables the company to continue facilitating investments in corporate bonds for retail investors, adhering to SEBI's regulations introduced in November 2022.

In November 2023, Wint Wealth acquired a majority stake in Chandigarh-based non-banking finance company (NBFC) Ambium Finserve, after which they received an official approval from the Reserve Bank of India (RBI). This acquisition grants Wint Wealth an NBFC license, allowing it to expand its offerings under the brand name Wint Capital. Wint Capital focuses on wholesale lending to growth-stage NBFCs and plans to offer listed corporate bonds to retail investors.

Upon deep-diving we noticed “wint” means winning. The word is associated to yielding high fixed income investment options combined with maintaining low-risk aspect. Wint also signifies winning in the financial arena. Here’s a quick sneak peek of the pillars of this organization:
  • Ajinkya Kulkarni- Co-founder & Chief Executive Officer
  • Abhik Patel- Co-founder & Chief Product Officer
  • Shashank Chimaladari Co-founder & Chief Technical Officer
  • Anshul Gupta- Co-founder & Chief Information Officer
  • Vinay Dubey- Co-founder & Chief Marketing Officer
  • Sruthi Sivakumar Co-founder & Chief Data Officer
The organization is also supported by some pioneers of the startup world, Kunal Shah(Founder, CRED), Lalit Keshre (Co-Founder and CEO, Groww), Nithin Kamath (Co-Founder, Zerodha) and many more. 

How Wint Wealth is Changing the Game?

In November 2021, SEBI established a crucial rule. Previously, retail investors could purchase bonds of those companies who raised minimum capital of Rs. 100 Crore publicly & could invest only Rs. 1000 in private placement. The current regulation the minimum public size requirement for a public debt issue was reduced from Rs. 100 crore to Rs. 10 Crores, & the minimum investment in private issue was raised to Rs. 10 Lakhs from This unnoticed opportunity opened up doors for the co-founders of Wint Wealth. It aims to be the bond aggregator in the market. 

Revenue Model

[Source - Wint Wealth]

The services provided by them to the investors is their strategy to charge for. Via these services, retail investors invest in assets that provide higher fixed deposit returns compared to traditional options like savings bank account etc. The wealth management fees is what they charge for to the investors for utilizing their platform combined with services. The percentage of total assets needed to be managed are kept into the calculation to keep a uniform stream of income for the organization.

A second revenue source is via performance fees. These are charged on returns based for investors. The returns which the investors enjoy are chargeable if the made investments surpass a cetain level or targets, Wint Wealth is entitled to get a share of those profits as a fee.

By offering other financial institutions collaborations, the organization has made itself a third revenue source. It offers institutions private label solutions in order to gain access to their investment products through other channels. It earns fees as commissions from these channels.

The revenue model of Wint Wealth can be said as providing a sustainable & steady income growth as it accommodates the interests of the company. By charging fees based on performance & commissions, it creates authenticity & value for each of its clients.

Key Features of Wint Wealth:


[Source - wintwealth.com]

  1. Shielded investment: Due to digitalization, the risk of financial fraud has never been at its peak as of now. Investors or buyers hesitate to initiate investments. The organization addresses this issue by scrutinizing the most secure option from blue-chip assets & businesses that ensures safer investment.
  2. Negligible amounts: In fixed-income securities, one can invest for as lower an amount of Rs. 10,000. This is substantially lower than conventional bonds investment. So, this states that a bigger & bulk amount isn’t needed when an investor aspires to invest in bonds.
  3. Uniformity in return on investment: Overtime, the returns on investments become stable in bonds, unlike the stock market. Stock market is always in talks for its volatility that either causes substantial profits or losses. Keeping a part of your funds to invest in fixed returns is an ideal option for your financial portfolio as it safeguards the investor from the volatility of the market.
  4. Better than fixed deposits: Bond investments give you a return of 9 to 11% returns on an average which is higher than fixed deposits.

How to invest in the security bonds Wint Wealth?


[Source - Wint Wealth]

Step 1: Sign up on the platform to complete the KYC process. A dashboard pops up displaying all your investments, if you have any.

Step 2: Click on the “assets” option that will open a list of assets offered by Wint Wealth. By clicking on the “See Asset Details” option, you gain insights to learn more about those assets. The details like type of interest payment, issue size of the bond, minimum investment to acquire, & principal repayment are displayed.

Step 3: If you’ve planned to take the plunge & purchase an asset, click on the “Invest Now” option to be redirected to the screen where you can select your investment lot & the returns you expect to get from the principal investment. Then, the payment gateway is displayed where you can initiate your investment.   

Conclusion

With their zero-default history, Wint Wealth is a great platform for retail investor to diversify their investment portfolio. Majority of investors have a high allocation of fixed deposits which generate below-inflation returns. Allocation to platforms like Wint Wealth the portfolio gets a boost as it diversifies it. A lot of investors state being satisfied with the returns of the company.

Uncover the latest trends and insights with our articles on Visionary Vogues

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