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MUTUAL FUND

It is a trust that collects money from a number of investors who share a common investment objective. Then, it invests the money in equities, bonds, money market instruments and/or other securities. Each investor owns units, which represent a portion of the holdings of the fund. The income/gains generated from this collective investment is distributed proportionately amongst the investors after deducting certain expenses, by calculating a scheme’s Net Asset Value or NAV. Simply put, a Mutual Fund is one of the most viable investment options for the common man as it offers an opportunity to invest in a diversified, professionally managed basket of securities at a relatively low cost.

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Advantages and benefits of investing in Mutual Funds

  • Risk Diversification

  • Professional Management

  • Affordability & Convenience (Invest Small Amounts)

  • Liquidity

  • Low Cost

  • Tax Benefits

  • Well-regulated

  • Higher Return on Investment (RoI)

  • Easy Investment

  • Flexibility

  • Variety of Schemes

TAX SAVINGS

Tax saving is a practice to save tax by making investment. Tax Savings means the decrease in Tax paid or payable to the relevant Tax Authority.

​To encourage saving by citizens, the government has provided certain tax deductions on the amounts invested in specified instruments under section 80C of the Income-tax Act, 1961. Some of the popular specified investment instruments for the purpose of tax planning are:

  • Government Savings Scheme like EPF, PPF, SCSS, SSY etc.

  • Fixed deposits (tenure of 5 years or more)

  • Life insurance policies

  • ELSS mutual funds

  • National Pension Scheme (NPS)

RETIREMENT PLANNING

Retirement planning has several steps, with the end goal of having enough money to quit working and do whatever you want. Our aim with this retirement planning guide is to help you achieve that goal.

  • ​Retirement planning has five steps: knowing when to start, calculating how much money you'll need, setting priorities, choosing accounts and choosing investments.

  • Generally, the idea is to invest more aggressively when you’re young, and then slowly dial back to a more conservative mix of investments as you approach retirement age.

GOAL BASED INVESTMENT

Goals-based investment is the process of helping clients prioritize their financial goals and determine the optimal plan to fund them. Goals-based planning expands your focus into all aspects of your clients financial life and eliminates the retirement-only focus.

Saving money is not enough when it comes to ensuring financial success and security in life. To achieve your short-term and long-term financial goals, you must put your money to work and invest it in different financial tools. But how to estimate how much you need to invest to achieve your goals? Through goal-based investment!

Furthermore, financial planning also prepares you for financial adversities like an unexpected loss of employment or medical emergencies. This way, you can ensure your family’s financial security at all times and have peace of mind.

LIFE & HEALTH INSURANCE

Life insurance financially safeguards your family in case of your untimely death. It can help them maintain their lifestyle and achieve their life goals even when you are not around. It also provide tax benefit under Section 80C, Section 10(10D) of the Income Tax Act

Health insurance covers costs of hospitalization & related treatment that requires professional treatment. These days most policies offer cashless treatment facility at network hospitals. It also provide tax benefit under Section 80D of the Income Tax Act.