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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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Amit Gupta In the upcoming week, the FIIs are likely to stay away from EM’s as the EM currency and equity continue to remain weak. The rate differential attractiveness of US continues to keep Dollar and US asset class stronger, says Amit Gupta of ICICIdirect.
Sun, 24 Jun 2018 09:39:52 +0530


FO expiry due in this week! Options Pain is an add-on indicator for expiry trading If a trader is able to successfully forecast the level; or a narrow range of expiry, there exists several strategies which can be of high yield namely: Short Straddle, Short Strangle or a hedged strategy with a high reward to risk ratio along-with limited risk i.e. Butterflies, says Shubham Agrawal of Quantsapp Private Limited.
Sat, 23 Jun 2018 10:43:25 +0530


Top 6 factors to consider when you pick stocks for intraday trading The most important step for an intraday trader is selecting the stocks to trade intraday. You need stocks that can give movement and at the same time are predictable, says Amar Singh of Angel Broking.
Sat, 23 Jun 2018 10:20:46 +0530


Saurabh Mukherjea suggests moving away from midcaps to derisk your portfolio The other way to look at this approach would be to look at high quality companies and the ones with good track record revenue growth.
Fri, 22 Jun 2018 11:20:50 +0530


Aditya Agarwal The Nifty is trading in a range of 10,700 – 10,900 zones and due to such range bound activities daily Bollinger band has contracted further. Hence, we are likely to see a high volatility in coming trading sessions, says Aditya Agarwal of Way2Wealth Brokers.
Fri, 22 Jun 2018 09:39:37 +0530


Sachin Trivedi At this point in time, he prefers private sector corporate lenders over state run peers.
Fri, 22 Jun 2018 09:13:48 +0530


Crucial support for Nifty around 10,680; HDFC a good short-term bet Traders and investors may once again accumulate blue-chip stocks on dips around dual supports placed around 10,700 and 10,680, says Jaydeb Dey of Stewart Mackertich Wealth Management Ltd.
Fri, 22 Jun 2018 08:31:51 +0530


Mahesh Patil Midcaps’ recent correction, pick up in earnings growth is likely to catch up and it would be a good idea to selectively add them to your portfolio
Thu, 21 Jun 2018 14:40:28 +0530


2018 will be the year of consolidation after stellar gains in 2017: Rakesh Jhunjhunwala According to Rakesh Jhunjhunwala, there is no credible leader in the opposition party to take on PM Modi. I am sure that the next government will be a BJP government despite what people feel, he said.
Thu, 21 Jun 2018 13:15:48 +0530


Vinod Nair Vinod Nair of Geojit said the selloff in the mid and smallcap space can provide a value buying opportunity when the market turns around
Thu, 21 Jun 2018 12:19:41 +0530


Jay Thakkar Jay Thakkar of Anand Rathi Shares expects the market to trade with a negative bias in the July series
Thu, 21 Jun 2018 11:23:20 +0530


Trade cautiously, 10,780 level crucial Nifty support; Buy JSPL for the short term “A breach above 10,780 is a foremost condition for unfolding the next leg of the upmove towards 10,810 and 10,840 levels,” says Jaydeb Dey of Stewart Mackertich Wealth Management
Thu, 21 Jun 2018 08:42:50 +0530


Reliance Securities bets on these 6 quality names for the long term Considering the likely pick up in rural consumption, higher utilisation and recent reforms, we are hopeful that corporate earnings will witness double-digit growth in coming quarters
Wed, 20 Jun 2018 13:56:11 +0530


ILFS#39; Vibhav Kapoor is betting on these 5 sectors, should you? Kapoor said the basic texture of state-run banks has to change in terms of management and decision making.
Wed, 20 Jun 2018 13:41:29 +0530


Stay cautious on short build-up by FIIs; 3 stocks that may return up to 13% "If the Nifty falls below the 10,680 mark, it could correct to 10,500 levels on the back of further selling," says Shitij Gandhi of SMC Global Securities
Wed, 20 Jun 2018 09:09:54 +0530


RITES IPO subscribed over 67 times on last day The share sale of the state-owned firm to raise about Rs 466 crore received bids for over 169 crore shares against the total issue size of 2.52 crore shares, resulting in a total subscription of 67.12 times, NSE data till 1945 hrs showed.
Fri, 22 Jun 2018 21:07:07 +0530


Fine Organic Industries IPO subscribed 9 times on Day 3 The IPO, to raise little over Rs 600 crore, received bids for 4,78,34,875 shares against the total issue size of 53,65,497 shares, translating into an overall subscription of 8.92 times, data available with the NSE till 1930 hrs showed.
Fri, 22 Jun 2018 20:05:13 +0530


RITES IPO: Issue subscribed over 66.5 times on Day 3 The issue received bids for 21.49 crore shares against the issue size of 2.52 crore shares, as of 2:00 PM on June 22, 2018.
Fri, 22 Jun 2018 14:26:41 +0530


Fine Organics IPO subscribed over 8.5 times on Day 3 of issue The issue received bids for 4.68 lakh shares against the issue size of 53.65 lakh crore shares, as of 4:45 PM on June 22, 2018.
Fri, 22 Jun 2018 13:32:36 +0530


Fine Organic Industries IPO subscribed 39% on second day The IPO, to raise little over Rs 600 crore, received bids for 21,10,691 shares as against the total issue size of 53,65,497 shares, data available with the NSE showed.
Thu, 21 Jun 2018 20:12:06 +0530


RITES IPO fully subscribed on Day 2 of issue; retail segment at 3.2x The issue received bids for 2.75 crore shares against the issue size of 2.52 crore shares, as of 12:45 PM on June 21, 2018. The total issue was subscribed 1.09 times.
Thu, 21 Jun 2018 13:08:31 +0530


Fine Organic Industries Rs 600cr IPO subscribed 12% on Day 1 The company raised Rs 180 crore from anchor investors.
Wed, 20 Jun 2018 17:43:47 +0530


RITES IPO subscribed 0.6 times on Day 1 Price band for the issue has been fixed at Rs 180-185.
Wed, 20 Jun 2018 17:40:56 +0530


Subscribe to RITES: Hem Securities Hem Securities has come out with its report on RITES. The research firm has recommended to "Subscribe " the IPO in its research report as on June 19, 2018.
Wed, 20 Jun 2018 13:54:02 +0530


Subscribe to Fine Organics Industries Ltd: Hem Securities Hem Securities has come out with its report on Fine Organics Industries Ltd. The research firm has recommended to "Subscribe " the IPO in its research report as on June 19, 2018.
Wed, 20 Jun 2018 12:45:43 +0530


RITES IPO opens: Should you subscribe to the issue? Brokerages have highlighted the strong order book, steady cash flows as well as reasonable valuations of the issue to ‘subscribe’ to the issue.
Wed, 20 Jun 2018 09:20:45 +0530


Fine Organic IPO opens: Should you subscribe? The public issue comprises of offer for sale of 76,64,994 equity shares by the promoter group selling shareholders.
Wed, 20 Jun 2018 08:27:58 +0530


Subscribe to Fine Organics Industries Ltd: Ajcon Global Ajcon Global has come out with its report on Fine Organics Industries Ltd. The research firm has recommended to "Subscribe " the IPO in its research report as on June 19, 2018.
Tue, 19 Jun 2018 13:41:29 +0530


Subscribe to RITES: Mehta Equities Mehta Equities has come out with its report on RITES. The research firm has recommended to "Subscribe " the IPO in its research report as on June 19, 2018.
Tue, 19 Jun 2018 13:24:59 +0530


Subscribe to Fine Organics Industries Ltd: GEPL Capital GEPL Capital has come out with its report on Fine Organics Industries Ltd. The research firm has recommended to "Subscribe " the IPO in its research report as on June 19, 2018.
Tue, 19 Jun 2018 13:09:44 +0530

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