- Do you know what the real value of all your investments
is? Real value being the proceeds minus inflation minus
tax.
- Are your savings/Investments fetching you sufficient returns
to meet your goals?
- Are you taking full advantage of the tax exemptions available
to you?
- How long your dependents can maintain current lifestyle,
if something happens to you?
- And does your cover include the home loan you have taken?
- Can you maintain a lifestyle you have been accustomed to,
if you go on a sabbatical /retirement?
- Does your retirement fund take into account the increased
medical expenses you are likely to have in your advanced
years?
If you don’t have answers
to these questions, you need a proper financial planning.
|
| |
| Simply put, financial planning
is the process of identifying and defining your financial goals,
prioritizing them and achieving these goals with a clear, focused
and a customized game plan. Financial Planning can help you
achieve both greater wealth and financial security, while inadequate
or improper planning can be disastrous. Financial Planning
is an ongoing and continuous activity involving investment
management, cash flow planning, retirement planning, insurance
planning, tax planning and estate planning. |
| |
| Financial planning is all about
preplanning. |
| The only thing certain in life
is uncertainty. |
| When you have a mild fever,
you will most likely self prescribe a medicine. When it persists
you may ask the local pharmacist to prescribe something stronger.
But if it continues and other complications start arising you
will go to a doctor. Maybe if you had gone to the doctor in
the first place, instead of being unwell for 10 days you might
have gotten better in 5. Seeking the advice and services of
a Financial Planner and a certified one at that is just the
same. |
| But people still seek advice
from the pharmacist equivalent broker, or a friend or a colleague
for their hard earned money which may prove disastrous. |
| Most young professionals today
do not plan their finances - some because of a lack of awareness
about its benefits, others because of their belief that they
do not require it at the initial stage of their careers and
some others because it may be expensive for them now. |
| The sooner you start investing,
the more time your money will have to grow - pure and simple "compounding" or
the "snowball effect" on your money. |
| |
| How can a Financial Advisor help
you? |
- He plans after considering your long-term and your short-term
goals.
- He recommends products that suit your needs and forces
you to invest money rather than spending it on weekend shopping.
- He pushes you for that much needed insurance cover that
you have been procrastinating for so long.
- He does not sell every product that is available in the
market and at times even discourages you to buy a product,
which seems attractive to you because it does not suit your
appetite or portfolio.
|
| You will see the benefit of his advice on your
portfolio and also on your understanding of your finances and
needs |
| |
| Basic Services provided to clients
under our investment advisory services are as follows: |
- Recommendations of entry & exit based on detailed
research and analysis of the market, economy and individual
funds, schemes.
- Periodic review and restructuring of portfolio in response
to client needs and market dynamics.
- Recommendations on insurance policies best suited to client
requirements and needs.
- Monitoring of Unit Linked Insurance Policies with monthly
updates and recommendations of top-ups and fund switches.
- Operational assistance and execution in terms of insurance
policies - premium reminders, pick-up of cheques.
- A Relationship Manager, who will be the contact point for
all queries, transactions and any kind of assistance.
|
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| Our Pre Investment Support will
help you in following ways: |
- PAN Cards – Pan card is mandatory
for investing in Mutual Funds. We assist you in applying
for the Permanent Account Number
or even modifying details in your existing PAN.
- KYC Compliance: All assistance in complying
with Know Your Customer
norms which is mandatory for investing in Mutual Funds.
- Mutual Fund Investment Advice - Across
28 fund houses, backed by sound research; thereby giving
you quality advice ensuring better returns.
- Insurance Advisory - Across 7
of the top companies, covering more than 80% of the current
market. The right type of policy chosen to meet your needs.
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| Post- Investment Support: |
- Operational Support -Filling application
forms, ensuring execution, Change of Bank etc.
- Email and Phone Support - For any query
on your Investments.
- Online Investment Monitoring – Anytime-Anywhere.
- Filing Income Tax returns - The BIG year
end worry, now handled by experts.
|
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| You may contact us for a personalised Financial Planning session with our Financial Planner. |
