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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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Big bet on SIPs: MFs garner over Rs 67,000-cr in FY18 In comparison, Rs 43,921 crore was collected through the investment plan in 2016-17, according to the latest update with Association of Mutual Funds in India (Amfi).
Mon, 16 Apr 2018 16:20:25 +0530


Equity MF inflow down 59% to Rs 6,657-cr in March on LTCG According to a report by rating agency Icra, equity funds, including equity-linked saving schemes saw monthly net inflow of Rs 6,657 crore in March, down from Rs 16,268 crore infusion seen in February.
Thu, 12 Apr 2018 18:25:23 +0530


Equity mutual funds log Rs 1.7 lakh crore inflow in FY18 Strong inflows have pushed the asset base of equity MFs by 38 percent to Rs 7.5 lakh crore during the period under review, the data showed.
Mon, 09 Apr 2018 15:35:18 +0530


Most equity mutual funds underperform in last 1 year: Report The findings are a part of SP Dow Jones Indices#39; scorecard SPIVA, which tracks the performance of actively managed Indian mutual funds against their benchmarks over one-year, three-year, five-year and 10-year periods.
Mon, 26 Mar 2018 17:58:12 +0530


Tushar Pradhan Speaking on investor behaviour, Tushar Pradhan believes that the real test of the investor would be in case of a major correction if there is a substantial external element.
Wed, 14 Mar 2018 10:43:13 +0530


Motilal Oswal AMC bets on these five themes, do you own any? Sonthalia believes that short-covering activity will drive the market higher.
Tue, 24 Apr 2018 11:28:04 +0530


Podcast | Hold Nifty longs with a stoploss of 10,460; 3 stocks which could give up to 15% return Here is a list of top three stocks which could give up to 15% return in short term.
Tue, 24 Apr 2018 10:56:34 +0530


Ashish Chaturmohta "The index has resistance zone at 10,630-10,700 levels. In Nifty options, strike price 10,700 Call has the highest open interest (OI) in Calls, suggesting market could head towards 10,700 levels but likely to face resistance this level," says Ashish Chaturmohta, Head Technical and Derivatives at Sanctum Wealth Management.
Tue, 24 Apr 2018 09:25:04 +0530


Trade Setup for Tuesday: Top 15 things to know before Opening Bell FIIs sold shares worth Rs 259.08 crore, while domestic institutional investors bought shares worth Rs 387.26 crore in the Indian equity market
Mon, 23 Apr 2018 19:56:19 +0530


Vinod Nair The escalating load of NPAs, bond yields and decline in credit growth rate are major issues faced by state run banks.
Mon, 23 Apr 2018 13:29:01 +0530


Dinesh Rohira Here is a list of top three stocks which could give up to 12% return in short term.
Mon, 23 Apr 2018 11:19:33 +0530


Akash Jain Here is the list of three stocks that can give up to 100% return.
Mon, 23 Apr 2018 10:56:17 +0530


Nifty likely to get into a corrective downward wave; Buy Wipro, sell ICICI Bank for short term “Nifty breaking out cluster of resistances placed around 10,570 to 10,600 is unlikely as of now” says Jaydeb Dey, Technical Analyst at Stewart Mackertich Wealth Management Ltd.
Mon, 23 Apr 2018 07:57:44 +0530


Chandan Taparia Underperformance in Bank Nifty has given a pause in positive momentum of broader market.
Sun, 22 Apr 2018 11:06:42 +0530


Nifty likely to trade in range of 10,400-10,650 in expiry week; 4 stocks to buy One should remain cautious in the zone of 10,580-10,740 as the fall from this zone can be sharp and may not give the exit opportunity later.
Sun, 22 Apr 2018 10:33:47 +0530


Amit Gupta We believe any directional move in the Nifty has to be triggered by the banking index. Till the banking index does not surpass 25,300, ongoing consolidation in the Nifty may continue.
Sun, 22 Apr 2018 09:00:19 +0530


Sumit Bilgaiyan Next week#39;s trend will be decided on the basis of quarterly earnings and trends in global markets.
Sat, 21 Apr 2018 12:07:55 +0530


Shubham Agarwal "Either one needs to adjust the non-linear asset for linearity or the most effective way is to draw signals from underlying using Technical Analysis and apply them on options to amplify returns," says Shubham Agrawal, CEO Head of Research at Quantsapp Private Limited.
Sat, 21 Apr 2018 10:16:27 +0530


Yogesh Mehta Any negative surprise in 2018 state elections outcome can impact market sentiments and it may displace all other factors for the market.
Fri, 20 Apr 2018 14:50:11 +0530


Hadrien Mendonca Here is a list of top three stocks which could give up to 11% return in the short term.
Fri, 20 Apr 2018 09:52:24 +0530


Nazara Technologies gets Sebi#39;s go-ahead for IPO The company is popularly known for its games on World Cricket Championship, Chhota Bheem and Motu Patlu series.
Mon, 23 Apr 2018 18:37:29 +0530


IndoStar Capital gets Sebi#39;s nod for Rs 2,000 cr IPO The company had filed IPO papers with Securities and Exchange Board of India (Sebi) in January and received "observations" from the regulator on April 3, as per the latest update with the markets watchdog.
Mon, 09 Apr 2018 18:43:18 +0530


Strong debut: Hotel chain Lemon Tree closes 29% higher on Day 1 The hospitality chain’s stock closed at Rs 72.10 apiece, a rise of Rs 16.1 to the issue price of Rs 56. It had listed at Rs 61.6, a premium of 10 percent to its issue price on the National Stock Exchange (NSE).
Mon, 09 Apr 2018 15:37:30 +0530


New Listing: Lemon Tree Hotels debuts with 10% premium at Rs 61.6 apiece The Rs 1,038.68 IPO received bids for 15.49 crore shares against the total issue size of 12.98 crore shares.
Mon, 09 Apr 2018 10:00:24 +0530


Lemon Tree Hotels to make stock market debut on April 9 The company in consultation with merchant bankers has fixed final issue price at Rs 56 per share.
Sat, 07 Apr 2018 17:00:04 +0530


Mishra Dhatu Nigam closes tad higher than issue price The stock touched an intraday high of Rs 91 and low of Rs 86.05 after opening 3.3 percent lower at Rs 87.
Wed, 04 Apr 2018 17:12:22 +0530


ICICI Securities makes weak debut; stock dips 14% below issue price The stock got listed at Rs 431.10 with a discount of 17.09 per cent over the issue price. During the day, it touched an intra-day high of Rs 462.70 and an intra-day low of Rs 431.10.
Wed, 04 Apr 2018 15:20:20 +0530


Mishra Dhatu Nigam opens lower, falls over 4% to Rs 86.05 The stock price fell as much as 4.4 percent in morning to hit a day#39;s low of Rs 86.05 while it touched an intraday high of Rs 90.90.
Wed, 04 Apr 2018 10:33:32 +0530


ICICI Securities debuts at Rs 453.80, down 13% from issue price The stock price debuted at Rs 453.80 on the National Stock Exchange, down 12.73 percent compared to issue price of Rs 520.
Wed, 04 Apr 2018 10:08:15 +0530


4 PSUs file IPO papers with Sebi Railway infrastructure firm Ircon International and warship maker Garden Reach Shipbuilders and Engineers are the other two firms which have filed IPO papers.
Mon, 02 Apr 2018 19:19:16 +0530


Karda Construction debuts with a discount of 24% at Rs 136 The stock listed at Rs 136, a discount of 24 percent to the issue price of Rs 180.
Mon, 02 Apr 2018 10:14:27 +0530


New Listing: Sandhar Technologies lists at a premium of 5% at Rs 349 The stock listed at Rs 349, a gain of Rs 27 to the issue price of Rs 332 per share.
Mon, 02 Apr 2018 10:04:22 +0530


Sandhar Technologies, Karda Construction to debut on bourses on April 2 Sandhar Technologies has fixed the final issue price at Rs 332 per share and Karda at Rs 180 per share.
Wed, 28 Mar 2018 23:50:20 +0530


T Suvarna Raju It was no fireworks for Hindustan Aeronautics Limited (HAL) debut on dalal street. The defence major listed at Rs 1,159 per share versus issue price of Rs 1,215 per share.
Wed, 28 Mar 2018 15:07:13 +0530


Hindustan Aeronautics debuts at Rs 1,159, falls 5% from issue price The stock price has opened at Rs 1,159 on the National Stock Exchange while it started off trade at Rs 1,169 on the BSE, falling 4 percent.
Wed, 28 Mar 2018 10:05:24 +0530

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