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  • Financial Planning

    In finance, investment is putting money into an asset with the expectation of capital appreciation.

  • Mutual Funds

    When it comes to the world of investing, three words come to mind: overwhelming, intimidating, and scary.

  • Time for changes

    Bottoms in the investment world don't end with four-year lows; they end with 10- or 15-year lows.

  • Solution

    The stock market is filled with individuals who know the price of everything, but the value of nothing.

Services

Financial planning

Financial planning is the process of assessing financial goals of an individual, taking an inventory of the money and other assets which the person has, determine life goals and then take necessary steps to achieve goals in the stipulated period. It is a method of quantifying a persons requirement in terms of money.

It is the process of meeting life goals through the proper management of finances. Financial planning is a process that a person goes through to find out where they are now (financially), determine where they want to be in the future, and what they are going to do to get there. Financial Planning provides direction and meaning to persons financial decisions. It allows understanding of how each financial decision a person makes, affects the other areas of their finances. For example, buying a particular investment product might help to pay off mortgage faster or it might delay the retirement significantly. By viewing each financial decision as part of the whole, one can consider its short and long- term effects on their life goals. People can also adapt more easily to life changes and feel more secure that their goals are on track.

In simple, Financial Planning is what a person does with their money. Individuals have been practicing financial planning for ages. Every individual who received money had to make a decision about the best way to use it. Typically, the decision was either spend it then or save it to spend later. Everyone had to make the same decision every time they receive money.

Financial Planning is an advisory service provided by the finance industry. Although financial planning is not a new concept, it just needs to be conducted in organized manner. Financial Planner on other hand is a service provider which enables an individual to select proper product mix for achieving their goals.

The major things to be considered in financial planning are time horizon to achieve life goals, identify risk tolerance of client, their liquidity need, the inflation. Keeping all this in mind financial planning is done with six step process. This are self assessment of client, identify personal goals and financial goals and objective, identify financial problems and opportunities, determining recommendations and alternative solutions, implementation of appropriate strategy to achieve goals and review and update plan periodically.

A good financial plan includes Contingency planning, Risk Planning (insurance), Tax Planning, Retirement Planning and Investment and Saving option

 Mutual Fund Distribution

Mutual Funds have emerged as a biggest and most sought-after investment option in modern times. But with so many funds and schemes in the market, it has become mind-boggling to choose the right fund/scheme. Having invested in mutual funds, there is another more herculean task of managing the funds, knowing their folios and current NAV. We will help you in evaluating the correct fund/scheme suitable to you based on your risk-bearing appetite and also help you in knowing the current NAVs and managing your folios across different funds/schemes.
Bond/ Fixed deposit

Introduction of Bonds:

A bond is a negotiable debt security under which the issuer borrows a given amount of money, called the principal amount. In exchange, the borrower agrees to pay fixed amounts of interests, also called the coupons, during a specific period of time. Everything is well defined by the bond contract: the coupon rate is the interest rate that the issuer pays to the bondholder and the coupon dates are the dates on which the coupons are paid. Besides the issuer will repay the total amount of the principal when the bond will reach what is called maturity (or maturity date). In short, a bond is a securitized loan.
Life Insurance Planning

Two major risks of Life - Living too long and living too short needs to be taken care of. We have wide range of Insurance Options to take care of both the events. Whats more! Life Insurance planning can help you achieve your financial goals and save on your taxes too. Remember - There is no substitute to Life Insurance. We will help you in structuring your insurance planning based on your needs and requirements.
Health Insurance Planning

Medical expenses are rising day by day and are only expected to go further up! Health insurance serves as hedge against medical expenses. We have good health insurance policies to cater to your needs.

 General Insurance Planning
We at Advisory Services deals in all the General Insurance Products across various General Insurance Cos. as per our customers need and convenience.

Market Watch
  • MF News
  • IPO News

Joydeep Sen When the instrument matures after a month or two, or when the fund gets fresh subscriptions, that quantum is invested at the then prevailing yield levels.
Wed, 11 Jul 2018 07:49:40 +0530


How MF ratings are changing after SEBI#39;s fund reclassification With the reclassification of mutual funds, there will be a change not only in basis of arriving at performance ratings by rating agencies, but also in the method of analysis to be adopted by the investors while reviewing the performance of the schemes for making investment decisions.
Tue, 10 Jul 2018 11:05:21 +0530


Juzer Gabajiwala The main distinction between capital gains tax and DDT is that DDT is paid by the fund house and not by investors, whereas capital gains tax is paid by the investor
Thu, 28 Jun 2018 08:51:32 +0530


Joydeep Sen If there is an open-ended bond fund that is passively managed with maturity roll-down, investors may opt for it to gradually reduce interest rate risk
Fri, 22 Jun 2018 09:54:53 +0530


How you can help your parents sort their investments systematically Your parents have done their best to secure your future and well-being at every step of the way. It is time you take responsibility for their future wellbeing too.
Thu, 21 Jun 2018 09:51:57 +0530


4 important tips to make the most of close-ended mutual funds Close-ended mutual funds do not have any track record and aren’t open to investors post their initial offer period
Tue, 12 Jun 2018 08:21:17 +0530


Subscribe to TCNS Clothing Co: Prabhudas Lilladher Prabhudas Lilladher has come out with its report on TCNS Clothing Co. The research firm has recommended to "Subscribe" the IPO in its research report as on July 13, 2018.
Mon, 16 Jul 2018 17:06:49 +0530


Varroc Engineering shares list with 5% premium at Rs 1015 The Rs 1,955-crore initial public offering was oversubscribed 3.59 times during June 26-28, driven by strong interest from institutional investors.
Fri, 06 Jul 2018 10:04:36 +0530


Will a probable Reliance Retail IPO unlock value for RIL’s shareholders? The markets are factoring in the value from the retail division of Reliance Industries in the latter’s price.
Thu, 05 Jul 2018 09:18:20 +0530


Varroc Engineering to make stock market debut on July 06 The final issue price of Varroc Engineering is fixed at higher end of price band.
Thu, 05 Jul 2018 09:12:28 +0530


Fine Organic Industries stock ends 5% higher at Rs 822.80 on BSE The stock touched an intraday high of Rs 834 and low of Rs 787 after opening at Rs 815.
Mon, 02 Jul 2018 16:19:40 +0530


Strong Debut: RITES closes with 15% premium at Rs 212.70 on Day 1 The stock price hit an intraday low of Rs 190 which was also the opening price.
Mon, 02 Jul 2018 16:13:56 +0530


New Listing: Fine Organics lists with 4% premium at Rs 815 on NSE The stock listed at Rs 815 apiece, a premium of Rs 32 to the issue price of Rs 783, on the exchange.
Mon, 02 Jul 2018 10:15:05 +0530


RITES stock debuts with premium of 2.7% at Rs 190 on BSE The stock price rallied 2.7 percent compared to issue price which fixed at Rs 185 per share.
Mon, 02 Jul 2018 10:10:20 +0530


After stellar response to IPO, RITES shares to list on July 2 The company after consultation with book running lead managers has fixed final issue price at Rs 185 per share.
Fri, 29 Jun 2018 13:23:05 +0530


Fine Organic Industries to debut on bourses on July 2 The Rs 600-crore initial public offer was oversubscribed by 8.99 times during June 20-22, 2018.
Fri, 29 Jun 2018 13:06:46 +0530


Varroc Engineering IPO oversubscribed 3.54 times on institutional investors support A day ahead of the IPO, the company already raised Rs 583.7 crore from anchor investors.
Thu, 28 Jun 2018 16:31:00 +0530


HDFC Mutual Fund gets Sebi go-ahead for IPO Sebi#39;s observations are necessary for any company to launch public issues like rights issue, initial public offer (IPO) and follow-on public offer (FPO).
Thu, 28 Jun 2018 16:14:05 +0530


Puranik Builders files draft papers for Rs 1000-cr IPO The IPO comprises fresh issue of shares worth Rs 810 crore, besides, an offer for sale up to 18,59,620 equity shares by the company#39;s promoters and existing shareholders, according to the draft papers with the Securities and Exchange Board of India (Sebi).
Wed, 27 Jun 2018 21:43:05 +0530


Varroc Engineering IPO fully subscribed on Day 2; Tata Group may garner up to Rs 1,786 cr Two Tata Group entities which are offloading 13.7 per cent stake, or 1.84 crore shares, of the company would garner up to Rs 1,786 crore through the public issue.
Wed, 27 Jun 2018 18:21:05 +0530


Penver Products files IPO papers with Sebi Besides, micro-finance lender Spandana Sphoorty has approached the Sebi with its IPO papers this week, while housing loan company Aavas Financiers had filed preliminary papers with the markets regulator last week to float initial share-sale offer.
Wed, 27 Jun 2018 15:49:05 +0530