What do Individuals and Companies with their surplus Fund?
Individuals
Keep the money in Savings Bank account and get taxable interest of
less than 4%.
Companies and Other
Organizations
Keep the money in Current Account and utilize it according to the
fund requirement for expenses. Balance amount will be in the Current
Account without Generating any return.
Why cant they avoid this concept of keeping money without return?
We have professionally
designed risk free investment plan to invest the fund according to the
needs of the client for a duration of 5 days onwards. The Mode of
Investments are:
Daily Fund Management - In Debt or Equity Fund
according to the Discretion of the Client
Short Term Investments
- In Debt or Equity Fund according to the Discretion of the Client
Long Term Investments
-- In Debt or Equity Fund according to the Discretion of the Client
Tax Saving Investment
Tax Free Bonds
We understand that every client comes to us with her or his own unique
concerns, needs and financial situation. Often, our client's worries are
aggravated because there doesn't seem to be enough hours in the day to
stay on top of everything. Yet, there is the recognition that one's
financial well- being is tied to constantly fluid capital markets,
ever-changing tax and pension laws and an endless proliferation of
product choices. Sorting fact from fiction in the overwhelming din of
information now available just adds to the stress.
That is where our personal financial advisor makes such a difference. We
help you design a clear path to the milestones that are critical in your
life. And we do it by asking you some very important and very different
questions at the outset. What is the vision of the life that you most
want to live? What are your dreams and how can we express them as
understandable financial goals? What is important about money, to you?
Through this in-depth dialogue, we also gather critical information such
as your investment horizon, long term income requirements, risk
tolerance and capacity and liquidity needs. We then take planning to the
next level. We undertake a thorough review of your tax status as well as
your estate, critical illness and disability needs. Personal elements as
well as family dynamics become a vital part of the mosaic.
Services
Managing your money and planning your financial security are no easy
tasks. Time constraints, tax laws that are constantly changing and a
confusing assortment of investment options - all present roadblocks for
most people seeking to manage their finances in a profitable way.
As an experienced private investment advisor, we are able to offer high
- performance financial products that help you take right financial
decisions.
Our experts analyze your basic financial goals - elements such as needs
and desires, your experiences, your status in life and your current net
worth and then advise an optimal solution.
The Products
We advise on an entire range of "third party" products - including asset
products, liability products and insurance services.
Every piece of wealth - bank deposits securities investments, fixed
deposits, real estate - carries its own set of risks. we brings to you a
holistic picture of your wealth - the risks you face and the
opportunities hidden with them.
Wealth Management
As your assets grow so do the challenges of picking the right wealth
management solutions. And today, more than ever before, investors like
you, are constantly in need of financial partners who have the expertise
to understand these challenges and offer winning solutions.
Investment Management
There is no single investment strategy that suits everyone. We have
channeled our successful wealth management expertise to create a wide
array of solutions that cater to a range of risk and return preferences.
Investment planning begins with determining an appropriate asset mix
more than picking good funds. Your portfolio should be balanced to
provide security, income and growth. Diversification and balanced
investing give protection against portfolio volatility as a whole and
keep you invested and on track.
Based on your goals, time frame for investing and risk/reward tolerance,
we choose the right combination of investments and customize an asset
allocation strategy for your portfolio.
As your investment manager, we try to maximize your after-tax returns
through careful portfolio construction, risk management, and disciplined
rebalancing. We aim to consistently deliver high risk-adjusted returns,
irrespective of your specific investment goals.
Products
Mutual Fund
Bonds
Insurance
Life Insurance
General Insurance
Corporate Fixed Deposit
Mutual Funds
Benefits of investing through a mutual fund
Mutual funds allow you to invest small sums.
Professional management
The major advantage of investing in a mutual fund is that you get a
professional money manager to manage your investments for a small fee.
You can leave the investment decisions to him and only have to monitor
the performance of the fund at regular intervals.
Diversification
Considered the essential tool in risk management, mutual funds make
it possible for even small investors to diversify their portfolio. A
mutual fund can effectively diversify its portfolio because of the large
corpus. However, a small investor cannot have a well-diversified
portfolio because it calls for large investment.
Convenience
Mutual funds offer tailor-made solutions like systematic investment
plans and systematic withdrawal plans to investors, which is very
convenient to investors. Investors also do not have to worry about
investment decisions, they do not have to deal with brokerage or
depository, etc. for buying or selling of securities. Mutual funds also
offer specialized schemes like retirement plans, children's plans,
industry specific schemes, etc. to suit personal preference of
investors. These schemes also help small investors with asset allocation
of their corpus. It also saves a lot of paper work.
Cost effectiveness
A small investor will find that the mutual fund route is a
cost-effective method and it also saves a lot of transaction cost as
mutual funds get concession from brokerages. Also, the investor gets the
service of a financial professional for a very small fee. If he were to
seek a financial advisor's help directly, he will end up paying
significantly more for investment advice. Also, he will need to have a
sizeable corpus to offer for investment management to be eligible for an
investment adviser's services.
Liquidity
You can liquidate your investments within 3 to 5 working days (mutual
funds dispatch redemption cheques speedily and also offer direct credit
facility into your bank account i.e. Electronic Clearing Services).
Tax breaks
You do not have to pay any taxes on dividends issued by mutual funds.
You also have the advantage of capital gains taxation. Tax-saving
schemes and pension schemes give you the added advantage of benefits
under section 80-C.
Transparency
Mutual funds offer daily NAVs of schemes, which help you to monitor
your investments on a regular basis. They also send quarterly
newsletters, which give details of the portfolio, performance of schemes
against various benchmarks, etc. They are also well regulated and SEBI
monitors their actions closely.