AlphaSIP® - Smartest Way to SIP | Best ULIP Plans

AlphaSIP® Tax Saver

Minimum Investment Amount:

• Rs. 2.5 lakh per year (in case of yearly SIP) OR Rs. 20,700 per month (in case of monthly SIP)

• In case of monthly SIP, entire investment due in first year i.e. 20,700 x 12 = Rs. 2,48,000 would be payable upfront at the start of the investment, with an option to shift to monthly SIP of Rs. 20,700 from 13th month onwards

Tax Treatment:

• Monthly rebalancing of portfolio does NOT lead to tax incidence

• Maturity proceeds are TAX FREE if redeemed after lock-in period and if investment amount is within Rs. 2.5 lakhs per year

Strategy Executed Using:

• Zero-allocation Charge ULIP Plan of HDFC Life

• Plan Name – Click2Invest

Lock-in Period:

• Investments subject to lock-in period of 5 years

• Investments can't be redeemed in the first 5 years

• SIP's can't be stopped in the first 5 years

Portfolio Rebalancing Fee:

• Rebalancing fee waived for the first 5 years

• 1% of the portfolio value per year from year 6 onwards (payable to metacaps.ai)

• Switching between funds is free 4 times in a year; beyond that, insurance company charges Rs. 25 + GST per switch

Registration Process and Fee:

• Please watch and fully understand the underlying logic of the AlphaSIP® Strategy. Click here to watch the video

• After watching the video, submit your registration by clicking the “Register” button below

• Registration fee has been waived in case you register for the AlphaSIP® Tax Saver variant

• Once you register, one of our ULIP advisors will call back to address any query / doubt you might have with regards to the AlphaSIP® strategy and to assist you with the on-boarding process and/or payment of your first year premium, in case you are ready to proceed with the investment

• Also review the list of documents that you would need to email us in case you wish to proceed with the investment after the consultation (Click here for list of documents to be emailed). Please do NOT register if you do NOT have all the documents required for on-boarding available with you right now

Investment by NRIs:

• NOT available for investment for NRIs

Privileges:

• Support for any service request through out support helpline

• No dedicated RM

Assistance needed from your end in monthly rebalancing of portfolio:

• We typically rebalance our client portfolios every month as per the AlphaSIP® logic within the first 5 trading days of every month

• Currently, we are yet to complete tech-integration with HDFC Life, whose ULIP plans we use to execute the AlphaSIP® Startegy

• Hence, currently any rebalancing / switching between funds in our client portfolios has to be executed by our team on behalf of our clients manually

• However, in order to complete any fund switch initiated from our end on your behalf, HDFC Life will send an OTP on your registered email / phone number

• Our team will contact you over WhatsApp and you will have to share the OTP with our team over WhatsApp

• Only after you share the OTP will the switch between funds be completed for that month

• Hence you should register ONLY if you are OK to assist us with switching between funds in your portfolio by sharing the OTP with our team every month over WhatsApp

• We are of course working with HDFC Life to complete a tech-integration, so that eventually, we can automate the process of monthly rebalancing / switching between funds in our client portfolios, without any manually intervention

AlphaSIP® Pro

Minimum Investment Amount:

• Rs. 5 lakh per year (in case of yearly SIP) OR Rs. 43,000 per month (in case of monthly SIP)

• In case of monthly SIP, entire investment due in first year i.e. 43,000 x 12 = Rs. 5,16,000 would be payable upfront at the start of the investment, with an option to shift to monthly SIP of Rs. 43,000 from 13th month onwards

Tax Treatment:

• Monthly rebalancing of portfolio does NOT lead to tax incidence

• Redemptions after lock-in period are subject to long-term capital gains tax

Strategy Executed Using:

• Zero-allocation Charge ULIP Plan of HDFC Life

• Plan Name – Click2Invest

Lock-in Period:

• Investments subject to lock-in period of 5 years

• Investments can't be redeemed in the first 5 years

• SIP's can't be stopped in the first 5 years

Portfolio Rebalancing Fee:

• Rebalancing fee waived for the first 5 years

• 1% of the portfolio value per year from year 6 onwards (payable to metacaps.ai)

• Switching between funds is free 4 times in a year; beyond that, insurance company charges Rs. 25 + GST per switch

Registration Process and Fee:

• Please watch and fully understand the underlying logic of the AlphaSIP® Strategy. Click here to watch the video

• After watching the video, submit your registration by clicking the “Register” button below

• Registration fee has been waived in case you register for the AlphaSIP® Pro variant

• Once you register, one of our ULIP advisors will call back to address any query / doubt you might have with regards to the AlphaSIP® strategy and to assist you with the on-boarding process and/or payment of your first year premium, in case you are ready to proceed with the investment

• Also review the list of documents that you would need to email us in case you wish to proceed with the investment after the consultation (Click here for list of documents to be emailed). Please do NOT register if you do NOT have all the documents required for on-boarding available with you right now

Investment by NRIs:

• NRIs (including those from USA and Canada) can invest

Privileges:

• Dedicated RM

• Quarterly review of portfolio with RM

Assistance needed from your end in monthly rebalancing of portfolio:

• We typically rebalance our client portfolios every month as per the AlphaSIP® logic within the first 5 trading days of every month

• Currently, we are yet to complete tech-integration with HDFC Life, whose ULIP plans we use to execute the AlphaSIP® Startegy

• Hence, currently any rebalancing / switching between funds in our client portfolios has to be executed by our team on behalf of our clients manually

• However, in order to complete any fund switch initiated from our end on your behalf, HDFC Life will send an OTP on your registered email / phone number

• Our team will contact you over WhatsApp and you will have to share the OTP with our team over WhatsApp

• Only after you share the OTP will the switch between funds be completed for that month

• Hence you should register ONLY if you are OK to assist us with switching between funds in your portfolio by sharing the OTP with our team every month over WhatsApp

• We are of course working with HDFC Life to complete a tech-integration, so that eventually, we can automate the process of monthly rebalancing / switching between funds in our client portfolios, without any manually intervention

AlphaSIP® Pro MAX

Minimum Investment Amount:

• Rs. 10 lakh per year (in case of yearly SIP) OR Rs. 84,000 per month (in case of monthly SIP)

• In case of monthly SIP, entire investment due in first year i.e. 84,000 x 12 = Rs. 10,08,000 would be payable upfront at the start of the investment, with an option to shift to monthly SIP of Rs.84,000 from 13th month onwards

Tax Treatment:

• Monthly rebalancing of portfolio does NOT lead to tax incidence

• Redemptions after lock-in period are subject to long-term capital gains tax

Strategy Executed Using:

• Zero-allocation Charge ULIP Plan of HDFC Life

• Plan Name – Click2Invest

Lock-in Period:

• Investments subject to lock-in period of 5 years

• Investments can't be redeemed in the first 5 years

• SIP's can't be stopped in the first 5 years

Portfolio Rebalancing Fee:

• Rebalancing fee waived for the first 5 years

• 1% of the portfolio value per year from year 6 onwards (payable to metacaps.ai)

• Switching between funds is free 4 times in a year; beyond that, insurance company charges Rs. 25 + GST per switch

Registration Process and Fee:

• Please watch and fully understand the underlying logic of the AlphaSIP® Strategy. Click here to watch the video

• After watching the video, submit your registration by clicking the “Register” button below

• You can opt for a consultation directly with Mr. Indraanil Guha in case you register for the AlphaSIP® Pro MAX variant

• A registration fee of Rs. 7,000 is payable in case you register for the AlphaSIP® Pro MAX variant (this fee will be refunded if you proceed with an investment before 31-Mar-2025, else the fee will NOT be refunded)

• Details of UPI ID / Bank Account details, where the above-mentioned fee should be sent will be displayed after you submit your registration

• Please NOTE that paying the above mentioned fee does NOT guarantee an appointment with Mr. Indraanil Guha. In case we receive a very high volume of consultation requests with Mr. Guha, and are therefore unable to offer a mutually convenient slot for consultation with Mr. Guha before 31-Mar-2025, we will refund the fee paid by you

• Please mention your phone number in the "Add note" or "Add a message" box while sending your payment thru GPay or PhonePe

• Please email us the screenshot of the payment receipt at hello@metacaps.ai

• Upon receipt of payment, one of our ULIP advisors will call back to set up a call between yourself and Mr. Indraanil Guha at a mutually convenient date and time

• Also review the list of documents that you would need to email us in case you wish to proceed with the investment after the consultation call with Mr. Guha (Click here for list of documents to be emailed)

• Please note that the payment of Rs. 7,500 is NOT REFUNDABLE if you do NOT proceed with the investment by 31-Mar-2025. Hence please do NOT register or pay Rs. 7,500 if you are NOT sure about proceeding with the investment at this stage, or if you have any doubts about the strategy, or if you do NOT have all the documents required for on-boarding available with you right now

Investment by NRIs:

• NRIs (including those from USA and Canada) can invest

Privileges:

• Dedicated RM

• Quarterly review of portfolio with RM

• 1 yearly review of portfolio with Mr. Indraanil Guha

Assistance needed from your end in monthly rebalancing of portfolio:

• We typically rebalance our client portfolios every month as per the AlphaSIP® logic within the first 5 trading days of every month

• Currently, we are yet to complete tech-integration with HDFC Life, whose ULIP plans we use to execute the AlphaSIP® Startegy

• Hence, currently any rebalancing / switching between funds in our client portfolios has to be executed by our team on behalf of our clients manually

• However, in order to complete any fund switch initiated from our end on your behalf, HDFC Life will send an OTP on your registered email / phone number

• Our team will contact you over WhatsApp and you will have to share the OTP with our team over WhatsApp

• Only after you share the OTP will the switch between funds be completed for that month

• Hence you should register ONLY if you are OK to assist us with switching between funds in your portfolio by sharing the OTP with our team every month over WhatsApp

• We are of course working with HDFC Life to complete a tech-integration, so that eventually, we can automate the process of monthly rebalancing / switching between funds in our client portfolios, without any manually intervention

Documents / Details required for Signing up

Basic Details to be emailed:

1. Name

2. Date of Birth

3. Marital Status

4. Mothers Name

5. Place of Birth

6. Educational Qualification

7. Mobile Number

8. Email Address

9. Are you a politically exposed person (PEP) (yes/no)

10. Nominee Name

11. Nominee Date of Birth

12. Nominee Contact Details

13. Identification Mark

14. Gross yearly income from all sources (in Rs.)

15. Name of present employer / business

16. Designation

17. Workplace City

18. Industry Type

19. Do you have an existing insurance cover (yes/no)

20. What is your height?

21. What is your weight?

22. Do you consume alcohol?

23. Do you use tobacco products?

24. COVID vaccination done? (yes/no)

Documents to be emailed (softcopy):

1. Aadhaar Card (front and back)

2. PAN card

3. Cancelled cheque of the bank account from where investor intents to invest

4. Income proof (salary slip of last 3 months along with 6 months bank statement, OR IT returns of last 3 years)

Additional Details / Documents of the Insured Person (in case the insured person is NOT the same as the Investor / Proposer):

1. Height

2. Weight

3. Marital Status

4. Mothers Name

5. Place of Birth

6. Educational Qualification

7. Identification Mark

8. Do you have an existing insurance cover (yes/no)

9. Do you consume alcohol?

10. Do you use tobacco products?

11. COVID vaccination done? (yes/no)

12. School ID / College ID (in case insured person is a student)

13. AADHAAR card (front and back)

14. PAN card (if insured person is 18+)

15. Mobile Number (if insured person is 18+)

16. Income proof (salary slip of last 3 months along with 6 months bank statement, OR IT returns of last 3 years) (required only if insured person is employed)