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We build an optimized investment portfolio for you that matches your goals, time horizon, investment objectives and risk appetite. We review your portfolio on a regular basis and constantly churn it depending upon the current market conditions in order to help you maximize your returns.

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WEALTH MANAGEMENT

Having money in your hand every month does not guarantee you the lifestyle you deserve. Circumstances and needs always keep changing. Today’s sound financial situation does not guarantee an equally sound future. And hence, no or improper financial planning can be disastrous.

This is where we step in and help you manage your finances in the most efficient manner. Our network of well-seasoned AMFI & IRDA certified financial advisors & tax professionals provide you an integrated approach towards your wealth management. We provide wealth management solutions not only to corporate clients but also to retail investors, high net worth individuals, trusts etc.

Insurance Planning

Emergencies do not come with a prior notice. Hence being insured at all times from such emergencies becomes extremely necessary. Insurance is an important financial tool, which assures you a faster recovery from unforeseen disasters such as such as theft, fire, health related problems etc. by providing financial assistance at such times.

We provide you a plethora of protection options to safeguard you from unforeseen contingencies including group insurance and all types of personal insurance.

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Tax Planning

Tax is a fine for doing well and hence payment of taxes is a sign of your success! However, taxes have the capacity to eat into your annual earnings if not planned properly. Therefore, being proactive in this area and planning your taxes is a good way to reduce your tax liability in any given financial year.

We have a team of finance & tax professionals who can guide you in planning your taxes in the most efficient manner & also help you in meeting all regulatory compliances relating to taxation.

Retirement Planning

You work hard towards earning a living for yourself and your family for most part of your life. But such hard work will be futile if you have no money left for your retirement. Hence it is always essential to build a corpus for your retirement phase by setting aside funds regularly, and the time to start building on it is now!

Our finance professionals can guide you to fulfil this objective in the most simple and systematic way.

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Lending Solutions

We provide companies as well as individuals with a wide range of debt funding options such as business loans, personal loans, loan against property, credit limits such as bank overdraft, cash credit, letters of credit etc. as well as equity funding avenues.

THE SAVING MANTRA

-Start NOW, Save FIRST, Save Regularly-

 
  • Start NOW– There is no better time to start saving than now – TIME IS MONEY
     

  • Save FIRST– Make savings your first and most important expense
     

  • Save REGULARLY – Regular commitment to anything gives you the most favorable results

DIFFERENCE BETWEEN INVESTING & SAVING

Although the words saving and investing are often used interchangeably, they mean different things. They have different purposes and play different roles in your financial planning.

 

Saving involves the protection and preservation of money from loss; it is the process of putting money gradually aside in extremely safe securities of accounts for emergency purposes or future use. People generally save for a particular goal, like paying for a car, a deposit on a house, or any emergencies that might come up. Although saving money can help you achieve your desired outcome, your saved money will not be  growing your wealth.

 

Investing, on the other hand, means to make a long-term commitment to putting money away and letting it grow to a larger sum. Investing is the process of using some of your money to buy an asset that you think has a good probability of generating a safe and acceptable return over time.

WHY INVEST?

To multiply your money

Benefit from the
power of compounding

WHAT IS RIGHT INVESTMENT?

Since it is not a one size fits all, so what investment portfolio you should have is something that cannot be common for all. It depends on various factors such as your risk-taking capacity, return expectation, income, expenses etc.

 

The RISK & RETURN relationship

Most investors look out for investments in which they get sky-high returns as quickly as possible without the risk of losing the principal amount. Their investment decisions usually stage around finding the best return on financial instruments.

However, a high-return and low-risk combination in any investment product, unfortunately, does not exist. In reality, risk and returns are directly related, they go hand-in-hand, i.e. the higher the returns – the higher the risk and vice versa.

While selecting an investment avenue, you have to match your own risk profile with the associated risks of the product before investing. There are some investments that carry high risk but have the potential to generate higher inflation-adjusted returns than other asset classes in the long term while some investments come with low-risk and therefore lower returns.

 

TYPES OF INVESTMENT PRODUCTS

FINANCIAL ASSETS

Market-linked products

  • Stocks

  • Mutual Funds

  • Unlisted/pre-IPO shares)

  • Alternate Investment Funds
     

Fixed income products

  • Public Provident Fund

  • Bank fixed deposits

  • Bonds

NON FINANCIAL ASSETS

  • Physical gold

  • Real Estate

Market-linked investments offer the potential of high returns but also carry high risks. Fixed income investments help in preserving the accumulated wealth so as to meet the desired goal. For long-term goals, it is important to make the best use of both worlds. Always remember that you need to have a diversified portfolio i.e. don’t put all your eggs in one basket.