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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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AUM @ Rs 20 lakh cr! Top 20 stocks under largecap Rank 1 funds where big boys are betting The amount of money which MFs are receiving is largely backed by retail investors as well as high net worth individuals (HNIs).
Fri, 08 Sep 2017 14:42:28 +0530


Should you mimic mutual fund managers’ stock picks? The better way, some think, is to be with the big boys – buy what big fund managers are buying. But is it a good idea?
Fri, 08 Sep 2017 11:06:30 +0530


Arbitrage fund or short term bond funds: Which one works for you? The tax treatment and the expected returns should you help you to decide on the right bet.
Mon, 04 Sep 2017 12:24:44 +0530


MFs tapping retail savings on slashed bank savings deposits rates: ICRA Last month, State Bank of India reduced it#39;s interest rates by 50 basis points to 3.5 per cent for savings deposits of less than Rs one crore. Subsequently, several other public and private sector banks cut their savings deposits rates by 50 basis points.
Wed, 30 Aug 2017 18:10:17 +0530


Fund managers conviction bets? Top 20 stocks where MFs has more than 2% exposure MFs were net buyers in two-thirds of the Nifty stocks last month. The highest net buying in July on a MoM basis was witnessed in HDFC, Hero MotoCorp, and Ambuja Cements.
Thu, 17 Aug 2017 12:46:26 +0530


Ambareesh Baliga Independent market expert Ambareesh Baliga says this is a traders market and so it is better to take your profits on a daily basis.
Tue, 19 Sep 2017 16:46:28 +0530


Upmove likely till Nifty holds 9,950, next Nifty target at 10,500; midcaps may outperform The next Nifty target would be 10,500 and the Midcap index is likely to outperform.
Mon, 18 Sep 2017 17:25:16 +0530


Mitessh Thakkar The Sensex was up 151.15 points at 32423.76, while the Nifty was up 67.70 points at 10153.10.
Mon, 18 Sep 2017 17:00:47 +0530


Gautam Duggad Gautam Duggad of Motilal Oswal believes while valuations are not euphoric, they are rich versus long period averages.
Mon, 18 Sep 2017 15:13:50 +0530


Vineet Bhatnagar The hospitality industry changed dramatically between 2000 and 2017, it has gone through a strategic shift ofan asset-heavy model to asset-light model, said Vineet Bhatnagar, MD, PhillipCapital.
Mon, 18 Sep 2017 13:49:25 +0530


Udayan Mukherjee In an interview to CNBC-TV18, Udayan Mukherjee, Consulting Editor of CNBC-TV18 shared his views and readings on the market, specific stocks and sectors.
Mon, 18 Sep 2017 11:16:50 +0530


Beware of this suckers rally; Nifty likely to correct up to 5% from presumed top As risk-reward ratios are not favourable, traders are advised to exit their long positions as Nifty rallies into the critical resistance points.
Mon, 18 Sep 2017 10:04:11 +0530


Here are top 3 technical stock picks by Reliance Securities MindTree reversed after forming a Double Bottom pattern around Rs 440 and rose to 2-week high.
Mon, 18 Sep 2017 08:59:42 +0530


Basant Maheshwari There are not too many sectors showing earnings growth – IT, pharma and PSU banks are not supporting the market, said Basant Maheshwari of Basant Maheshwari Wealth Advisors.
Fri, 15 Sep 2017 18:27:43 +0530


Dipan Mehta Dipan Mehta Member BSE NSE is of the view that the story is in midcap stocks and there are fantastic price and volume movement actions across range of companies.
Fri, 15 Sep 2017 17:26:08 +0530


Porinju Veliyath Porinju Veliyath of Equity Intelligence India also said that there could be some small infrastructure companies that have huge potential in the coming years.
Fri, 15 Sep 2017 11:40:11 +0530


Mitessh Thakkar It is a market which is positively biased, so one can trade with long bias on a stock specific basis and once the index breaks into fresh highs then trade on the index, says Mitessh Thakkar.
Thu, 14 Sep 2017 16:19:50 +0530


Sridhar Sivaram Sridhar Sivaram of Enam Holdings said one could also look for companies with reasonable debt and business model as reduction in interest rates could benefit them as well.
Thu, 14 Sep 2017 11:03:09 +0530


Raja Lahiri of Grant Thornton discusses the biggest MA trends in August, 2017 Overall deal activity in August, 2017 was better when compared to July, largely driven by big ticket private equity investments. To discuss the fine print and the key sectors in focus, we were joined by Raja Lahiri, Partner at Grant Thornton.
Wed, 13 Sep 2017 17:34:42 +0530


Sudip Bandopadhyay NULL
Wed, 13 Sep 2017 16:57:20 +0530


SBI Life Insurance raises Rs 2,226 crore from 69 anchor investors The company through its merchant bankers informed exchanges that under anchor investors portion in the public issue of SBI Life Insurance Company, 3.18 crore equity shares have been subscribed on Tuesday by 69 anchor investors.
Wed, 20 Sep 2017 08:45:27 +0530


SBI Life’s Rs 8,400-cr IPO kicks off today. Should you subscribe to the issue? Brokerage houses largely recommend subscribing to the issue, citing healthy valuations and better business prospects.
Wed, 20 Sep 2017 07:40:55 +0530


SBI Life Insurance IPO to open on September 20; 10 things to know before investing The IPO by size is expected to be the largest in life insurance space in India and it would be the second life insurance company to list on bourses.
Tue, 19 Sep 2017 20:41:36 +0530


Subscribe to SBI Life Insurance Company : HEM Securities HEM Securities has come out with its report on SBI Life Insurance Company , The research firm has recommended to “ Subscribe ” the IPO in its research report as on September 19, 2017
Tue, 19 Sep 2017 15:15:28 +0530


Share India Securities SME IPO to open on 21st sept 2017 ShareIndia Securities SME IPO to open on 21st sept 2017
Tue, 19 Sep 2017 12:48:59 +0530


ICICI Lombard IPO oversubscribed 3 times on QIB support Post-issue, the shareholding of Fairfax will reduce to 9.91 percent from 21.91 percent and ICICI Bank#39;s stake will come down to 55.92 percent, from 62.92 percent.
Tue, 19 Sep 2017 12:39:30 +0530


Subscribe to ICICI Lombard General Insurance Company  : HEM Securities HEM securities has come out with its report on ICICI Lombard General Insurance Company , The research firm has recommended to “ Subscribe ” the IPO in its research report as on September 18, 2017
Mon, 18 Sep 2017 17:43:06 +0530


Bharat Road Network ends with gains of 1.5% on listing day There were some swings seen in the stock during the morning session, as it fell over a percent in the first few minutes, but has now gained around 4 percent later.
Mon, 18 Sep 2017 17:32:02 +0530


Solid debut: Dixon Tech ends with hefty premium, up 64% at Rs 2,891.55 on NSE Dixon closed with a premium of 63.73 percent at Rs 2,891.55 on the National Stock Exchange, against issue price of Rs 1,766.
Mon, 18 Sep 2017 16:40:17 +0530


Tepid Listing: Bharat Road Network opens flat at Rs 205 Soon, the stock saw sharp swings, as it fell over a percent in the first few minutes, but has now gained around 4 percent.
Mon, 18 Sep 2017 10:15:53 +0530


Stellar listing: Dixon Tech debuts at Rs 2,725; up 64% over issue price Consumer electronics manufacturer Dixon Technologies started off trade at Rs 2,725, up 54 percent over issue price of Rs 1,766.
Mon, 18 Sep 2017 10:00:54 +0530


Dixon Technologies, Bharat Road Network to debut on bourses on September 18 Dixon Technologies has fixed issue price at Rs 1,766 per share and Bharat Road Network has set it at Rs 205 per share, the higher end of price band.
Sun, 17 Sep 2017 13:12:29 +0530


National Insurance expects up to Rs 5,000 cr from IPO NIC has also submitted a roadmap to the government and the regulator
Sun, 17 Sep 2017 11:25:20 +0530


ICICI Lombard IPO subscribed 27% on Day 1 The qualified institutional buyer (QIB) category was subscribed 62 per cent, non-institutional investors 4 per cent and retail individual investors 18 per cent.
Fri, 15 Sep 2017 18:45:19 +0530


Capacit#39;e Infraprojects IPO oversubscribed 183 times on strong demand The initial public offering of construction firm Capacit#39;e Infraprojects has seen very strong response from investors on final day.
Fri, 15 Sep 2017 16:03:56 +0530

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