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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.

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How to invest in equity mutual funds without risking your capital The dividends announced by the source scheme will be transferred to transferee scheme at regular intervals.
Tue, 14 Nov 2017 11:51:57 +0530


Mutual funds pour over Rs 11k cr in these 10 largecap stocks in September. Do you own any? Sectors such as financials, aviation, IT, energy and auto were on the radar of fund houses during September.
Mon, 30 Oct 2017 08:48:09 +0530


Sandeep J. Shah Speaking to CNBC-TV18, Shah said he expects the market to consolidate further for a little longer and then move upwards.
Thu, 23 Nov 2017 18:04:22 +0530


Sanjiv Bhasin According to Ashwani Gujral of ashwanigujral.com, tomorrow could be a sideways, range-bound day for the market.
Thu, 23 Nov 2017 16:28:09 +0530


Gautam Shah Shah observed that activity was taking place around 10,100-10,350 zones and once that is taken, the market could rise to 10,600-odd levels.
Thu, 23 Nov 2017 12:09:40 +0530


Better-than-expected state election outcome could propel Nifty to 11K by December US Fed meeting is scheduled in mid-December 2017; though the market has already factored in rate hike it would closely monitor the commentary for future actions.
Thu, 23 Nov 2017 11:13:13 +0530


Nifty likely to head towards 10,600; top 3 stocks could give up to 16% return in 6 months The rally getting bigger highlights inherent strength in the trend amid persistent demand at elevated levels and augurs well for the continuance of the up move going forward.
Thu, 23 Nov 2017 08:50:15 +0530


Sudip Bandopadhyay Sudip Bandopadhyay of Inditrade Capital said market will likely remain range bound for the next one-one and half months barring any global event that may enable it to break the range
Wed, 22 Nov 2017 16:35:42 +0530


Some signs of BFS demand is coming back, but this can only be confirmed in CY19, it added.
Wed, 22 Nov 2017 13:03:51 +0530


Goldman sees India’s FY19 GDP at 8%; negative impact of GST to fade Among other macro parameters, Goldman Sachs sees current account deficit to be widen, but manageable, at 2.1 percent of GDP in FY19.
Wed, 22 Nov 2017 11:51:02 +0530


Market is factoring reappointment of BJP government in state elections: Aneesh Srivastava Srivastava, who is Chief Investment Officer for IDBI Federal Life Insurance, talks about his take on the markets today and where one should ideally invest.
Wed, 22 Nov 2017 11:28:48 +0530


Ashwani Gujral The market is moving sideways in 10250-10350 range and chances are market will continue with sideways move till it makes a decisive move on the upside, said Ashwani Gujral.
Tue, 21 Nov 2017 16:31:46 +0530


UR Bhat Watch the interview of UR Bhat, Director of Dalton Capital Advisors with Prashant Nair and Ekta Batra of CNBC-TV18. He shared his readings and outlook on the market and on a few sectors.
Tue, 21 Nov 2017 13:44:46 +0530


Ajay Srivastava Srivastava is adding portfolios of consumer and infrastructure. The latter will get a boost ahead of elections, he added.
Tue, 21 Nov 2017 11:59:29 +0530


Liquidity scenario expected to come to neutrality in Dec 2017-Jan 2018: HSBC India In an interview to CNBC-TV18, Manish Wadhawan, MD Head of Interest Rates at HSBC India spoke at length about bond market.
Tue, 21 Nov 2017 10:44:00 +0530


Ashwani Gujral SP Tulsian believes the dip seen in Cement stock on back of news that Supreme Court has banned use of pet coke, should be used as a buying opportunity.
Mon, 20 Nov 2017 16:28:56 +0530


R Sukumar Meanwhile, in case of PSU banks, he said that they could lose market share despite recapitalisation.
Mon, 20 Nov 2017 12:33:49 +0530


Strong debut: HDFC Standard Life closes with 19% premium at Rs 344.60 per share The share price rallied as much as 27.24 percent intraday while it opened with 8 percent premium on the NSE.
Fri, 17 Nov 2017 16:15:39 +0530


HDFC Standard Life Insurance extends rally, jumps 27% after good debut The share price opened at Rs 313 per share against issue price of Rs 290.
Fri, 17 Nov 2017 10:06:56 +0530


Heads up! HDFC Standard Life to list on bourses with a premium: Experts Although analysts are not expecting a blockbuster listing, a small premium to the issue price could well be on the cards.
Thu, 16 Nov 2017 21:15:36 +0530


HDFC Standard Life Insurance to debut on bourses on November 17 This would be third life insurance company getting listing on exchanges, after ICICI Prudential Life and SBI Life.
Thu, 16 Nov 2017 11:50:19 +0530


Neeraj Kumar Gupta Investing in Bharat 22 ETF is like participating in the Indian growth story and I am sure investors will take part in this growth story said, Neeraj Kumar Gupta, Secretary, DIPAM.
Wed, 15 Nov 2017 10:56:16 +0530


Bharat 22 ETF anchor book subscribed 6 times As much as 25 percent of the total issue size, or Rs 2,000 crore, was reserved for anchor investors who put in bids worth about Rs 12,000 crore, ICICI Prudential MF said.
Tue, 14 Nov 2017 22:11:07 +0530


Khadim India closes with 8% discount at Rs 688.85 per share on market debut Khadim India has settled the trade at Rs 688.85 per share on the National Stock Exchange against IPO price of Rs 750. During the day, it could not cross issue price.
Tue, 14 Nov 2017 17:25:39 +0530


Galaxy Surfactants files IPO papers with Sebi During the initial share sale, as many as 307 shareholders will sell 63,31,674 shares of the company, according to the draft red herring prospectus (DRHP )filed with Sebi.
Tue, 14 Nov 2017 13:38:06 +0530


Khadim India debuts at Rs 723, a 4% discount to issue price The stock fell as much as 4.5 percent in early trade to hit day#39;s low of Rs 716 while its pre-opening price of Rs 730 remained the highest level.
Tue, 14 Nov 2017 10:08:22 +0530


New Listing: New India Assurance closes 3% lower to listing price on Day 1 The company’s shares closed at Rs 725.05 apiece, down 3.18 percent to the listing price of Rs 748.90 apiece, on the BSE.
Mon, 13 Nov 2017 17:38:59 +0530


The new entrant’s initial public offering (IPO), which sought to raise Rs 9,600 crore, was oversubscribed around 1.19 times. The price band was Rs 770-800 per share.
Mon, 13 Nov 2017 10:05:51 +0530


The Rs 10K crore New India Assurance IPO is likely to list on bourses at a discount: Experts The country#39;s largest general insurance firm New India Assurance Company, which recently concluded its initial public offer, will be making its stock market debut on Monday, November 13, and most likely at a discount or to a slight premium.
Sun, 12 Nov 2017 11:54:07 +0530


New Listing: Mahindra Logistics ends flat on its debut at Rs 429.15 The 3rd party logistics (3PL) solutions provider raised Rs 829.35 crore through the issue, at higher end of price band of Rs 425-429 per share.
Fri, 10 Nov 2017 17:07:49 +0530


Focus on growing non-Mahindra biz; targeting 20% topline growth: Mahindra Logisctics The company has managed to create a unique positioning in the industry and is an asset-light organization, said Pirojshaw Sarkari, CEO, Mahindra Logistics.
Fri, 10 Nov 2017 12:10:04 +0530


Mahindra Logistics debuts at discount to issue price of Rs 429, falls 3% It touched day#39;s low of Rs 416.10 on the National Stock Exchange while its issue price is day#39;s high.
Fri, 10 Nov 2017 10:20:53 +0530

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