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Mutual Fund

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Evaluating PMS

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NRI Investments And Taxation

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Financial Planning

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Health Insurance

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Mutual Funds

A. There are about 44 AMFI (Association of Mutual Funds in India) registered fund houses in India which together offer more than 2500 Mutual Fund schemes.

B. One of the foremost aims of many investors is to achieve a higher rate of return on their investments to beat inflation and save for future needs. Mutual fund assists in generating higher inflation-adjusted returns, without them having to put in a lot of effort and time.

C. 6 Reasons why one should invest in Mutual Funds

  1. Comparatively higher return on investment (ROI)
  2. Managed by professionals and experts
  3. Built in Diversifications
  4. Ease of investing and monitoring.
  5. Tax benefits and Liquidity
  6. Availability of Systematics withdrawal plan etc

 

D. Market Risk vs Return

Mutual funds are subject to market risks but how much and for how long?.The answer to this question depends on the fund you choose and the purpose of it. Mutual funds do have risks but do not necessary that always lead to losses. If you choose the right fund, you are more likely to profit much more than your anticipated losses. It might even surpass the amount invested by a great deal.

E. FEW KEY FACTORS TO BE CONSIDERED IN SELECTING THE FUND.

  1. Investment objective and style of the Fund
  2. Fund performance
  3. Experience of the Fund Manager
  4. Expense Ratio & Risk Parameters
  5. Exit Load
  6. Tax implications etc
 
SUMMARY-HIGHLIGHTS

Having said about the No of schemes available in the market (approx.-2500 schemes), benefits of investing in mutual funds and the factors to be considered before investing in mutual fund etc., selecting the wining mutual fund to an individual keeping in mind his Financial goals, risk profile, time horizon etc, involves a rigorous process where both quantitative and qualitative   parameters are considered as it is imperative to have a consistent performer in your portfolio.

Once the money is invested it is  also equally important to monitor the performance of the funds on a periodical basis  and when  to exit the scheme, how much SIP is required to achieve the financial goal and when to start SWP etc are also the part of the financial planning process.

A Knowledgeable and experienced Financial Advisor can suggest a suitable mutual fund scheme for the individual based on the profile of the individual

PMS Equity

  1. PMS OR PORTFOLIO MANAGEMENT SERVICE is a professional service where qualified and experienced portfolio managers backed by a research team manage the equity portfolios on behalf of clients instead of clients managing themselves.
  2. PMS is mainly for seasoned HNIS who understand direct equity and its risk and return very well .The minimum investment required is RS 50 lakhs.
  3. PMS is Registered with SEBI, the market regulator
  4. In INDIA PMS schemes are offered by stock broking houses, independent PMS Managers and by few ASSET MANAGEMENT COMPANIES (AMCS).
  5. Process and philosophy are the most important ingredients of a PMS.

Summary

We at S&B FINANCIAL SOLUTIONS have tied up with few of the best PMS providers in India which in turn can be offered to the customers depending upon the profile and risk taking capacity of the individual.

Any other or more details can be obtained and explained during the personal discussions.

NRI Investments

We at S & B Financial Solutions offer all kind of consultation with respect to most of the financial products in India along with necessary TAX Consultancy services and as well any other legal issues related to Individuals.

We also do undertake the following services for NRI

Normally it is a combination of Equity, Debt, Real state etc. This products are offered to an individual or families as a whole. It is a long-term approach of Wealth creation and preservation.

  • PMS – (Portfolio Management system) – Minimum Investment Rs 50 Lakhs.
  • Filing of Income Tax Returns for NRI’s.
  • Any of the services like Property Maintainance / Property Tax Payment / Rent Collection Etc.,Partaining to NRI’s

Financial Planning

A. GOALS    

 We spend time to understand your needs and aspirations and prepare a financial plan to achieve them.

B. PROTECT 

 We help you to prepare yourself if things go wrong financially.we identify what life insurance and health insurance is required to protect yourself and your family.

C. ASSET ALLOCATION

We arrive at the right asset allocation for you based on your risk profile and life stage ,we can chalk out a plan for you to move from current to recommended asset allocation.

D. TAX AND ESTATE PLANNING

We provide advise on better tax efficient products so that you can invest smartly. We also come up with Estate plan for wealth distributions to your future generation.

Health Care

There is no need to over emphasize about the need to take Health Insurance policy for every individual. Hence it is said that having a HEALTH INSURANCE PLAN is the starting point of all Financial Plans. Here we look at the various important features and factors of Health insurance policy that may help you zero in on the right policy

A. Why you should get Health Cover

Basically it is for two reasons ie., for  “FINANCIAL STABILITY’ AND as well as for “BEST TRATMENT”. According to few studies done in the past ,the medical inflation in India, much above the general inflation level. The need for adequate health insurance is necessarily becoming important and so is choosing the right health insurance plan.

B. How can we quickly buy a health insurance plan?

 Here is   some quick guide for beginners and there are three ground rules

  1. DO NOT BUY IN HURRY
  2. Do NOT BUY ON FRIENDS RECOMMENDATIONS  AND LASTLY
  3. DO NOT BUY BASED ON PRICE -(HEALTH INSURANCE PLANS CAN RESTRICT THE QUALITY OF HEALTH CARE THROUGH ROOM ELIGIBILITY AND NET WORK OF HOSPITALS)

Health insurance plan comes with numerous benefits and riders offered by different insurance companies in India that makes it difficult to choose the right policy as per the requirement of an individual and the following are few major factors which one should consider and compare before taking any decisions.

  1. Premium paid vs coverage provided
  2. co- payment clauses
  3. No claim bonus provided
  4. Waiting period for preexisting conditions
  5. Waiting period for specific conditions
  6. Network of hospitals providing cashless statement
  7. Emergency-global cover etc

C. Having said the above basic facts the following major questions may arise in every individual’s mind before taking a health plan/policy.

  1. SHOULD I BUY THE INSURANCE POLICY FROM PUBLIC SECTOR OR PRIVATE INSURER? (In INDIA, currently there are about 25 health insurance companies registered with IRDA)
  2. WHY EMPLOYER”S HEALTH INSURANCE IS NOT ENOUGH?
  3. IN CASE OF ANY CLAIM SETTLEMENT, HOW MUCH MONEY I WILL GET BACK AND HOW MUCH TIME IT WIL TAKE TO PROCESS THE CLAIM?(The claims settlement process is one of the most important aspects of an insurance policy ,especially in health cover)

LAST BUT NOT THE LEAST SHALL I PURCHASE THE POLICY ON ONLINE OR PURCHASE THROUGH AN AGENT.

The above Factors will be well explained by a knowledgeable and qualified Health Insurance Agent.

LAST BUT NOT THE LEAST, WHEN YOU ARE BUYING A POLICY, PLEASE VERIFY THE CREDENTIALS OF THE CONCERNED AGENT.

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