What is Invest Your Interest? How Does it Work? 

In a world where making your money work harder for you is more important than ever, Torus Digital’s ‘Invest Your Interest’ (IYI) feature stands out as an innovative solution for those looking to enhance their financial portfolio effortlessly.  

This unique facility allows users to maximize their earnings by automating the investment of the interest generated from their savings account into passive investment funds.  

Let’s dive deeper into what ‘Invest Your Interest’ is all about and how it works. 

What is ‘Invest Your Interest’? 

‘Invest Your Interest’ is a unique and one-of-its-kind solution that revolutionizes the way you approach savings and investments, allowing you to earn more while keeping your capital secure. This unique feature allows you to automate the investment of your monthly interest earnings from your Torus Digital Savings Account into SIPs in passive investment schemes such as Index Funds or ETFs. 

By harnessing the power of compounding, ‘Invest Your Interest’ enables your savings to work harder for you, significantly maximizing your returns over time. Instead of letting your interest earnings remain stagnant in a savings account, this feature ensures that they are put to productive use, generating additional income and building your wealth more effectively.  

With ‘Invest Your Interest’, you not only benefit from the security of your initial capital but also from the potential growth offered by diversified investment portfolios. It’s a smart, effortless way to enhance your financial future, making your money work as hard as you do. 

The opportunity to boost earning by up to 15%* extra makes this feature particularly attractive for those who are keen on enhancing their long-term financial health. 

How Does ‘Invest Your Interest’ Work? 

The process of using the ‘Invest Your Interest’ feature is straightforward and user-friendly, making it accessible to both novice and experienced investors. Here’s a breakdown of how it works: 

1. Setting Up Your Account: To get started, users need to have an active Torus Digital 3-in-1 Savings & Investment account to qualify for utilising the ‘Invest Your Interest’ feature.
2. Selection of ETFs: Users can choose from a list of selected ETFs and index funds to invest in. The selection typically includes options that have been curated for performance, risk assessment, and growth potential.
3. Auto-Investment Mechanism: Once you’ve selected your preferred ETFs, the IYI feature takes over. At the end of each month, the interest earned from your savings will be automatically invested into the chosen ETFs through a Systematic Investment Plan (SIP).
4. Starting Small: One of the best aspects of ‘Invest Your Interest’ is the barrier-free entry point. With SIPs starting as low as ₹27, even those with lower savings in their bank account or the ones new to the world of investing can easily participate in the stock market and start building their investment portfolio.
5. Compound Growth: By reinvesting your interest, you leverage the power of compounding. Over time, this can significantly increase your earnings potential, as your returns can generate further returns, creating a virtuous cycle of growth.

 Why Choose ‘Invest Your Interest’? 

• Enhanced Earnings: By allowing your savings interest to work for you, you can potentially increase your earnings by up to 15%* more than if you simply kept the interest in your savings account. 

• Hands-Free Investing: The automatic investment feature means that users can sit back and watch their investments grow without the need for constant monitoring or decision-making. 

• Low Entry Barrier: With investment options starting as low as ₹27, it democratizes investing and makes it accessible to a wider audience, including those who may not be able to save much in their bank account or feel intimidated by traditional investment avenues. 

• Diversification: Investing in ETFs allows users to diversify their portfolios, reducing risk while capitalizing on the growth of various sectors represented in the funds. 

 ‘Invest Your Interest’ is not just a feature; it’s an empowering tool that allows users to make the most out of their savings and automate their wealth-building journey.  

With its appealing benefits and user-friendly setup, now is the perfect time to take charge of your finances and let your money work for you!  

To explore more about Torus Digital’s ‘Invest Your Interest’ feature, click here. 

FAQs 

• What is Invest Your Interest? 

‘Invest Your Interest’ is Torus Digitals’ unique feature that allows users of its 3-in-1 Savings & Investment account to earn up to 15%* extra by automating the investment of their savings account interest into selected ETFs or index funds. 

• Why can I only use IYI for ETF investments? 

While you can establish SIPs in individual stocks, our focus is on minimizing risk and safeguarding your investments. By prioritizing ETFs, we provide low-risk options that not only facilitate growth but also offer essential diversification and stability, ensuring you can grow your wealth with confidence and peace of mind. 

As a low-risk investment option, ETFs offer attractive returns while eliminating exposure to the volatility often associated with individual stocks.  

• What are ETFs?   

Exchange Traded Funds (ETFs) are investment vehicles that aggregate a diverse collection of assets, including stocks and bonds, and are traded on stock exchanges. By investing in ETFs, you gain exposure to a broader market or specific sector, providing a balanced investment strategy that typically involves lower risks than direct investment in individual assets. 

• What are Nifty 50 ETFs? 

Nifty 50 ETFs are designed to track the performance of the Nifty 50 Index, allowing you to gain broad market exposure with a single investment. This blend of growth potential and risk management makes Nifty 50 ETFs a compelling addition to any investor’s portfolio, ensuring that your financial future is both promising and secure. 

• What returns can I expect from IYI? 

With Invest Your Interest, you have the potential to earn up to an additional 15%. Over the past five years, the Nifty (Index) has delivered consistent returns, achieving a compounded annual growth rate (CAGR) of up to 15%. However, it’s essential to remember that past performance of stocks or ETFs is not indicative of its future performance.  

ETF returns fluctuate with market conditions, and there are no guarantees of returns. All investments involve some degree of risk, including the possibility of losing your capital. Please invest wisely.