SYSTEMATIC EQUITY PLAN
Build a Direct Equity
Portfolio, One Month at a Time
A fixed amount. A selected set of stocks. Invested every month, without waiting for the "right moment".
SEP (Systematic Equity Plan) is a disciplined way to invest a fixed sum every month directly into shares of selected companies. The shares are bought in your name and held in your own demat account. At AK Investments, the stock selection is Chartered Accountant–led and reviewed on an ongoing basis, so you get the discipline of a monthly plan with the transparency of direct ownership.
Start from ₹5,000 per month. BSE & NSE registered. AMFI-registered mutual fund distributor.
What is a SEP (Systematic Equity Plan)?
A SEP is a standing plan to invest a pre-decided amount into direct equity at a fixed interval usually monthly. Instead of buying stocks in lumps whenever cash is available or sentiment is strong, you buy steadily across market levels.
Three things define a SEP:
A fixed amount - You choose an amount you can invest every month without strain.
A fixed interval - You invest on the same date each month, in rising and falling markets alike.
Direct ownership - You buy actual shares, not units of a scheme. Dividends, bonus issues and voting rights come to you.
How a SEP Works
1
Set up the account.
Trading and demat account opened, KYC completed. We handle the paperwork end to end.
2
Fix your monthly commitment.
Choose the monthly amount, starting from ₹5,000, and the date it should go out.
3
Select the stocks.
We help you build a basket of companies matched to your horizon and risk appetite, with the rationale explained in plain terms.
4
Invest every month.
The same amount is deployed into the basket each month, averaging your entry price across cycles.
5
Review and rebalance.
Holdings are reviewed periodically. Weights are adjusted and names are added or exited as the case requires.
Why Investors Choose SEP
Direct ownership
Shares are bought in your name and sit in your demat account. You can see exactly what you own, at any time.
Rupee cost averaging
The same amount buys more shares when prices fall and fewer when they rise, evening out your average cost.
Full transparency
No pooled portfolio, no monthly disclosure to wait for. Every holding is visible from day one.
Cost structure
There is no scheme expense ratio. You pay brokerage and statutory charges on execution.
Flexibility
Increase the amount, pause it, or change the basket as your income and goals change.
Corporate benefits
Dividends, bonus and rights entitlements accrue to you as the shareholder.
CA-led selection
Selection and review are done by Chartered Accountants who read the financials before recommending a name.
SEP vs SIP - What is the Difference?
Both are monthly, disciplined plans. The difference is what you end up holding.
| Basis | SEP (Systematic Equity Plan) | SIP (Systematic Investment Plan) |
| Investment type | Direct shares of selected companies | Units of a mutual fund scheme |
| What you own | Shares in your own demat account | Units of the scheme |
| Managed by | You, with your advisor | Professional fund manager |
| Diversification | Limited and concentrated by design | Broad and automatic |
| Transparency | Every holding visible at all times | Portfolio disclosed periodically |
| Cost | Brokerage and statutory charges | Scheme expense ratio |
| Risk level | Higher, concentrated | Moderate to high |
| Best suited for | Direct market participation | Diversified, hands-off growth |
These are not competing choices. Many investors run both – a SIP for the diversified core, a SEP for a focused, higher-conviction layer on top.
Who a SEP Suits
A SEP works well if you:
- Have a five-year-plus investment horizon.
- Have a steady monthly surplus you can commit.
- Are comfortable seeing your portfolio value move with the market.
- Want to own specific companies rather than a pooled scheme.
A SEP is not the right fit if you need the money back within two to three years, or if you want a fixed, predictable return. For those needs, look at our secured bonds and fixed income options instead.
Pair Your SEP with Fixed Income
Equity builds the growth. Fixed income holds the floor. Our Double Advantage approach routes the interest earned on your bond portfolio straight into your monthly equity plan so the stable part of your portfolio funds the growth part, without adding to your monthly outgo.
Bonds anchor stability. SIP builds a diversified core. SEP adds a targeted equity layer.
A plan built around you
Start Your SEP with AK Investments
Talk to us about a monthly amount that fits your cash flow, and we will build the plan around it.
A plan built around you
Phone
Visit
Office No. 6, Heeramani Shopping Complex, Near Bangur Nagar School, Next to SBI Bank, Goregaon (W), Mumbai 400 104
Frequently Asked Questions
What is the minimum amount to start a SEP?
A SEP with AK Investments starts from ₹5,000 per month. You can raise the amount later, or add a lumpsum alongside it, as your surplus grows.
Is a SEP the same as a SIP?
No. A SIP invests your monthly amount into a mutual fund scheme, and you hold units. A SEP invests it into shares of selected companies, and you hold the shares directly in your demat account. The discipline is the same; the ownership and the risk profile are not.
Who decides which stocks my SEP buys?
You do, on the basis of a recommended basket. Our Chartered Accountants shortlist companies after reading the financials, and explain the rationale for each name. Nothing is bought without your approval.
Can I pause or stop my SEP?
Yes. You can pause, reduce, increase or discontinue the plan at any time. Shares already bought stay in your demat account and can be held or sold as you choose.
Where are my shares held?
In your own demat account, in your name. AK Investments does not hold your securities.
What charges apply to a SEP?
Brokerage on execution, plus statutory charges such as STT, exchange transaction charges, GST, SEBI turnover fees and stamp duty. There is no scheme expense ratio, since you are not buying a pooled product. The applicable brokerage rate is shared before you begin.
How is a SEP taxed?
Each monthly purchase is treated as a separate lot for capital gains, and gains are computed on a first-in-first-out basis when you sell. Listed equity held for more than twelve months attracts long-term capital gains tax; holdings sold earlier attract short-term capital gains tax. Dividends are taxable in your hands at your slab rate. Rates and thresholds change with each Finance Act please confirm the position with your tax advisor for the year in question.
Do I need a demat account?
Yes, and we will help you open one along with the linked trading account. KYC is a one-time process.
How many stocks should a SEP hold?
Enough to avoid single-stock risk, few enough to stay a considered portfolio. The number depends on your monthly amount and horizon, and is set when the plan is designed.
Can I run a SEP and a SIP together?
Yes, and many investors do. The SIP gives you a diversified, professionally managed base; the SEP adds a focused direct equity layer. We can size both against a single monthly budget.
How do I track my SEP?
Through your demat and trading account statements, along with periodic reviews from us covering performance, weights and any changes we recommend.
Disclaimer
Investments in equity and mutual funds are subject to market risks. Returns are neither guaranteed nor assured, and past performance does not indicate future results. Equity investing carries the risk of capital loss, and a concentrated direct equity portfolio carries higher risk than a diversified scheme. AK Investments is a distributor and does not manage funds on a discretionary basis. Please read all scheme and offer documents carefully before investing. Tax treatment depends on the prevailing law and on your individual position.
AK Investments · Goregaon (W), Mumbai · BSE & NSE Registered · BSE Reg. No. AP01673301178592 | NSE Reg. No. AP3086050151 | AMFI ARN 325213