Overview - Services
1. Financial Planning / Wealth Management
1. Financial Planning / Wealth Management
1. Financial Planning / Wealth Management
Financial planning is the process of taking a comprehensive look at your financial situation and building a specific financial plan to reach your goals. As a result, financial planning often delves into multiple areas of finance, including investing, taxes, savings, retirement, your estate, insurance and more.
2. Goal Planning
1. Financial Planning / Wealth Management
1. Financial Planning / Wealth Management
Goal Planning is a process for thinking about your ideal future, and for motivating yourself to turn your vision of this future into reality.
The process of setting goals helps you choose where you want to go in life. By knowing precisely what you want to achieve, you know where you have to concentrate your efforts.
3. Tax Planning
1. Financial Planning / Wealth Management
4. Retirement / Pension Planning
Tax planning is the analysis of a financial situation or plan to ensure that all elements work together to allow you to pay the lowest taxes possible. A plan that minimizes how much you pay in taxes is referred to as tax efficient.
4. Retirement / Pension Planning
5. Technical and Fundamental Analysis of Stocks
4. Retirement / Pension Planning
Retirement planning is a process of setting retirement income goals and taking all the possible actions and making decisions, which are essential to achieve those retirement goals. Retirement planning includes evaluating sources of income, estimating expenses, and setting up an investment plan or savings plan to achieve the retirement goals by managing the risks and assets.
5. Technical and Fundamental Analysis of Stocks
5. Technical and Fundamental Analysis of Stocks
5. Technical and Fundamental Analysis of Stocks
Technical analysis is essentially the making and interpreting of stock charts. Thus, its practitioners, a small but abnormally dedicated cult, are called chartists. They study the past-both the movements of common stock prices and the volume of trading-for a clue to the direction of future change.
Fundamental analysts take the opposite tack, believing that the market is 90 percent logical and only 10 percent psychological.
Caring little about the pattern of past price movement, fundamentalists seek to determine an issue's proper value. Value in this case is related to the expected growth rate of earnings and dividends, interest rates, and risk. By estimating such factors as the future growth for each company, the fundamentalist arrives at an estimate of a security's intrinsic value or firm foundation of value. If this is above the market price, then the investor is advised to buy. Fundamentalists· believe that eventually the market will reflect accurately the security's real worth.
Overview - Products
1. Mutual Funds
A mutual fund is a pool of money managed by a professional Fund Manager. It is a trust that collects money from a number of investors who share a common investment objective and invests the same in equities, bonds, money market instruments and/or other securities. Private Equity, PMS AIF.
2. Listed Shares
Simply put, listed shares refer to the stocks of companies that are available for trading on a recognised stock exchange, for instance, NSE and BSE in India. Listed shares represent a company’s financial assets.
3. Unlisted Shares
Unlisted stocks or pre-IPO shares refer to securities or financial assets that are not ready to trade on the stock/regulated market. Companies that are planning to list on the stock exchange often place unlisted shares for trading.
4. Structured Products
Structured products are financial instruments whose performance or value is linked to that of an underlying asset, product, or index. These may include market indices, individual or baskets of stocks, bonds, and commodities, currencies, interest rates or a mix of these.
5. NCD
Non-convertible debentures (NCDs) are financial instruments used by companies to raise long-term funds through public issues. Unlike convertible debentures, NCDs cannot be converted into shares or equities.
6. Small Case
A small case is a basket of stocks that reflects an idea. Small cases are portfolios of stocks or ETFs, that track a theme, strategy or objective.
7. Bonds
A bond is a fixed-income investment that represents a loan made by an investor to a borrower, usually corporate or governmental.
8. Corporate FD
Corporate fixed deposits (FDs), also known as company fixed deposits, are a type of term deposit offered by non-banking financial companies (NBFCs), housing finance companies, and corporates to raise debt capital. They are similar to traditional bank fixed deposits but offer relatively higher interest rates.
9. P2P Lending Loans
A peer-to-peer (P2P) service is a decentralized platform whereby two individuals interact directly with each other, without intermediation by a third party. Instead, the buyer and the seller transact directly with each other via the P2P service. The P2P platform may provide services such as search, screening, rating, payment processing, or escrow.
10. Loans
A loan is money or other goods that an individual borrows from a lender and agrees to pay back the borrowed sum in equated monthly instalments (EMIs).
11. NPS
National Pension System (NPS) is a voluntary retirement savings scheme laid out to allow the subscribers to make defined contribution towards planned savings.
12. Insurance
Life insurance is a contract between an insurance company and a policy owner in which the insurer guarantees to pay a sum of money to one or more named beneficiaries when the insured person dies. In exchange, the policyholder pays premiums to the insurer during their lifetime. The best life insurance companies have good financial strength, a low number of customer complaints, high customer satisfaction, several policy types available, optional riders, and easy application processes.
General insurance or non-life insurance policy, including automobile and homeowners policies, provide payments depending on the loss from a particular financial event. General insurance is typically defined as any insurance that is not determined to be life insurance.
General insurance can be categorized into the following:
- Motor Insurance: Motor Insurance can be divided into two groups, two and four wheeled vehicle insurance.
- Health insurance: Common types of health insurance include: individual health insurance, family floater health insurance, comprehensive health insurance and critical illness insurance.
- Travel insurance: Travel insurance can be broadly grouped into: individual travel policy, family travel policy, student travel insurance, and senior citizen health insurance.
- Home insurance: Home insurance protects a house and its contents.
- Marine insurance: Marine insurance covers goods, freight, cargo, and other interests against loss or damage during transit by rail, road, sea and/or air.
- Commercial insurance: Commercial insurance encompasses solutions for all sectors of the industry arising out of business operations.
- Accident insurance: Accidents of different types are possible at any time, at any place and in case of any person or object. Persons and vehicles are more prone to accidents causing injuries and damages.
- Fire insurance: To get the asset, stock or machines insured against fire, a proposal form is to be filled in and submitted to the insurance company. The insurance company examines the proposal with due regards to various factors and the periodical amount of premium is fixed.