HNI Investment Solutions – Advanced Wealth Strategies with Roy’s Invest

For investors seeking sophisticated, high-potential wealth creation beyond traditional mutual funds or direct equity trading, Roy’s Invest offers a comprehensive suite of HNI-oriented investment solutions. These strategies are designed to deliver strategic diversification, active portfolio management, downside risk mitigation, and global market access.

1. Specialised Investment Funds (SIF)

Dynamic, Hedged Investment Strategies

Minimum Investment: ~₹10 lakh

What it is

Specialised Investment Funds (SIFs) are flexible, professionally managed investment vehicles that deploy equities, derivatives (futures & options), foreign exposure, and alternative instruments to manage risk and enhance returns. Unlike traditional mutual funds, SIFs can actively hedge portfolios during market downturns while pursuing alpha across different market cycles.

Why it suits HNIs

SIFs are ideal for experienced investors seeking active risk management and advanced hedging strategies not available through conventional mutual funds or direct equity portfolios.

Benefits vs Mutual Funds / Direct Equity

• Downside risk reduction through derivative-based hedging
• Strategic domestic and global exposure with dynamic rebalancing
• Professional discretionary management aligned to market conditions

2. Portfolio Management Services (PMS)

Expert Equity & Strategy Execution

Minimum Investment: ₹50 lakh

What it is

PMS offers a fully customised equity portfolio managed by experienced professionals. Unlike mutual funds, PMS enables direct ownership of individual stocks, supported by bespoke strategies and enhanced risk control.

Foreign & NRI Access

Foreign citizens and NRIs can invest in PMS, making it a compelling option for investors seeking India-focused equity exposure with professional management.

3. Alternative Investment Funds (AIF)

Diversification into Alternative Assets

Minimum Investment: Typically ₹1 crore

What it is

AIFs pool investor capital into private equity, real estate, structured credit, hedge-style strategies, and thematic investments beyond traditional public markets.

Foreign & NRI Access

AIFs are well-suited for NRIs and foreign investors seeking non-traditional asset exposure in India.

Benefits vs Mutual Funds / Direct Equity

• Access to alternative asset classes with distinct return drivers
• Long-term strategic exposure often uncorrelated with equities
• Active professional management for sophisticated asset allocation

4. GIFT IFSC Investments

Tax-Efficient Global Investing for HNIs

GIFT IFSC (Gujarat International Finance Tec-City – International Financial Services Centre) offers a premium investment gateway for foreign citizens, NRIs, and global HNIs seeking exposure to Indian and international markets through a highly tax-efficient, dollar-denominated structure.

These investments are typically suited for investors with a minimum capacity of USD 125,000 (≈ ₹1.25 crore) or more.

Why GIFT IFSC is Ideal for HNIs & Foreign Investors

Dollar-Based Investing

All investments are denominated in U.S. dollars, eliminating INR conversion complexities and currency risk for foreign investors.

Tax-Efficient Structure

Many GIFT IFSC investment products—such as select AIF structures, derivatives, and offshore funds—benefit from tax exemptions or preferential tax treatment under the IFSC regime.

Capital Gains & Income Advantages

Income from certain derivatives, securities, and financial instruments traded on IFSC platforms may be exempt from Indian capital gains tax for non-resident investors.

No Indian Domestic Transaction Taxes

Investments through GIFT IFSC often attract zero Securities Transaction Tax (STT), Commodity Transaction Tax (CTT), or GST.

Global Market Access from India

GIFT IFSC exchanges provide access to international equities, derivatives, global funds, and alternative instruments without complex offshore account structures.

No Reliance on NRE/NRO or LRS Rules

• Foreign and NRI investors can invest without typical RBI remittance limits or currency conversion restrictions.