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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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MF assets to hit Rs 100 lakh cr in next 10 years: Mahindra AMC In 2017, the total asset base of all 42 active fund houses put together surged by an impressive 32 per cent, while it had risen by 24 per cent over the last five years.
Thu, 04 Jan 2018 15:27:33 +0530


Ramesh Damani Watch accompanying video of Nilesh Shah, MD of Kotak Mahindra AMC, Utpal Sheth, CEO Partner of RARE Enterprises, Raamdeo Agrawal, ED of Motilal Oswal and Sandeep Kothari, Portfolio Advisor at Fidelity International along with Ramesh Damani decoding the Indian markets.
Fri, 23 Feb 2018 21:02:04 +0530


Taking Stock: The week gone by  what lies ahead on Dalal Street In an interview with CNBC-TV18 Ajay Srivastava, CEO of Dimensions Corporate Financial Services and Ashwani Gujral of ashwanigujral.com shared their reading and outlook on the market and also gave recommendations on various stocks.
Fri, 23 Feb 2018 17:47:34 +0530


Taking Stock: The week gone by  what lies ahead on Dalal Street In an interview with CNBC-TV18 Ajay Srivastava, CEO of Dimensions Corporate Financial Services and Ashwani Gujral of ashwanigujral.com shared their reading and outlook on the market and also gave recommendations on various stocks.
Fri, 23 Feb 2018 17:47:34 +0530


Don’t miss the bus again! Time is ripe to pick quality stocks: Devang Mehta Experts such as Devang Mehta, Head – Equity Advisory at Centrum Wealth Management believe that there is no reason to panic as corrections are a part and parcel of any bull market.
Fri, 23 Feb 2018 13:10:13 +0530


Aditya Agarwal "We are taking slightly contra view on index and expect Nifty index to see a short-term pullback from current level. Till the time Nifty is trading above 10033.35, the Higher Top Higher Bottom formation on weekly chart remains intact. On weekly charts, RSI (14), has signaled an oversold condition post the formation of a bearish divergence," says Aditya Agarwal, Head Technical Research at Way2Wealth Brokers Pvt. Ltd.
Fri, 23 Feb 2018 11:20:06 +0530


Sandeepa Arora “The trajectory looks a lot more volatile this year. Unlike 2017 which had a clear up run, that’s not going to be the case in the year 2018. Considering we are sitting in a pre-election year, things are likely to remain volatile amid challenging macro environment,” said Sandeepa Arora, President, IIFL Institutional Equities.
Fri, 23 Feb 2018 10:35:00 +0530


Investors remain long-term bullish  short-term cautious on market: IIFL In an interview with CNBC-TV18, Rahul Ajmera, CEO of IIFL Institutional Equities spoke about his reading of the market and his outlook. He was speaking from the side-lines of IIFL Enterprising India Conference.
Thu, 22 Feb 2018 15:52:47 +0530


Rishi Kohli "There could be further pain in the market," said Rishi Kohli, MD -Pro Alpha Systems.
Thu, 22 Feb 2018 13:49:12 +0530


Focus should be on companies where earnings momentum is strong: IIFL Instl Equities In an interview to CNBC-TV18, from the sideline of the IIFL Enterprising India Conference, Ashutosh Datar, Equity Strategist at IIFL Institutional Equities shared his views and readings on the market.
Thu, 22 Feb 2018 09:30:10 +0530


Ayon Mukhopadhyay In an interview with CNBC-TV18, Ayon Mukhopadhyay, Director of IIFL Institutional Equities for UK and Europe spoke about his reading of the market and his outlook. He was speaking from the side-lines of IIFL#39;s 3-day India Global Investors Conference.
Wed, 21 Feb 2018 16:42:32 +0530


Panic situation unlikely; 5 stocks to buy after recent sharp fall: Sharekhan Interview with Hemang Jani, Head — Advisory, Sharekhan.
Wed, 21 Feb 2018 13:46:29 +0530


Investor mood is good; consumption remains strong: IIFL Instl Equities In an interview to CNBC-TV18, GV Giri, Head of Research at IIFL Institutional Equities spoke at length about IIFL’s conference and shared his views on the market.
Wed, 21 Feb 2018 10:50:45 +0530


Global cues will continue to drive Indian market in the near-term: Pramod Gubbi "Indian market is under pressure largely on account of both domestic as well as global factors. But, in the near term, it will be global cues which will give direction to the Indian market," says Pramod Gubbi of Ambit Capital.
Wed, 21 Feb 2018 10:35:14 +0530


Nirmal Jain Jain believes that it will not have a long term overhang. He doesn#39;t think this is s systemic fraud that will have a cascading impact.
Tue, 20 Feb 2018 16:53:04 +0530


Piyush Sharma The Midcap earnings were far better but headline growth was skewed by a few names. It’s surprising that this market has held up relatively well at clearly stretched valuations.
Tue, 20 Feb 2018 12:31:53 +0530


HG Infra Engineering IPO to open on Feb 26: Here’s 10 things you must know The issue priced in the range of Rs 263-270 apiece will open on February 26 and will close on February 28, 2018.
Sat, 24 Feb 2018 19:44:31 +0530


HG Infra Engineering raises Rs 138 cr from anchor investors The IPO committee has finalised allocation of 51,33,150 equity shares to as many as 11 anchor investors at Rs 270 apiece, also the upper price band for the offer, the company informed the stock exchanges.
Fri, 23 Feb 2018 22:36:28 +0530


Subscribe to HG Infra Engineering IPO: ICICI Direct ICICI Direct has come out with its report on HG Infra Engineering IPO , The research firm has recommended to “ Subscribe ” the IPO in its research report as on February 22 , 2018
Thu, 22 Feb 2018 17:20:49 +0530


Bharat Dynamics, IREDA get Sebi#39;s go-ahead for IPO Bharat Dynamics and IREDA had received #39;observations#39; from the Securities and Exchange Board of India (Sebi) on February 15 and February 16, respectively, as per the latest update with the markets watchdog.
Thu, 22 Feb 2018 13:36:29 +0530


HEM Securities has come with the report on Hindcon Chemicals ltd Hem securities has come with the report on Hindcon Chemicals Ltd as on Feb 20, 2018.
Tue, 20 Feb 2018 14:58:11 +0530


HG Infra Engineering IPO to open on February 26, aims to raise Rs 462 cr HG Infra aims to raise Rs 462 crore through the issue at a price of Rs 270 per share.
Fri, 16 Feb 2018 12:13:58 +0530


Aster DM Healthcare IPO subscribed 1.3 times on final day Proceeds of the fresh issue would be used towards repayment of debt, purchase of medical equipment, and for general corporate purposes.
Thu, 15 Feb 2018 13:20:07 +0530


IndoStar Capital files Rs 2,000 crore IPO papers with SEBI Non-banking finance company IndoStar Capital Finance has filed draft papers with capital markets regulator SEBI to raise an estimated Rs 2,000 crore through an initial share-sale.
Mon, 12 Feb 2018 13:37:51 +0530


Reducing debt is one of the major ideas of this IPO: Aster DM Healthcare In an interview with CNBC-TV18, Azad Moopen, Chairman of Aster DM Healthcare spoke about the latest happenings in his company and sector.
Mon, 12 Feb 2018 12:25:34 +0530


Avoid Aster DM Healthcare : SSJ Finanace SSJ Finance has come out with its report on Aster DM Healthcare Ltd IPO , The research firm has recommended to “ Avoid ” the IPO in its research report as on February 09, 2018
Mon, 12 Feb 2018 11:44:59 +0530


Avoid Aster DM Healthcare : HEM Securities HEM Securities has come out with its report on Aster DM Healthcare IPO , The research firm has recommended to “ Avoid ” the IPO in its research report as on February 09 , 2018
Mon, 12 Feb 2018 10:58:17 +0530


Aster DM Healthcare IPO opens: Should you subscribe? The company will use the amount raised through IPO for repayment and/or pre-payment of debt, purchase of medical equipment and for general corporate purposes.
Mon, 12 Feb 2018 08:49:07 +0530


Aster DM Healthcare raises Rs 294 cr from anchor investors Anchor investors are SBI MF, Sundaram MF, Karst Peak Asia Master Fund, DB International Asia, Societe Generale, Caisse De Depot Et Placement Du Quebec - First State Investments International and First State Indian Subcontinent Fund.
Sat, 10 Feb 2018 17:17:34 +0530


We are very much optimistic that listing can be done at any time: IRFC As Indian Railway Finance Corporation (IFRC) gets ready for its Dalal Street debut, CNBC-TV18 caught up with the company#39;s Managing Director, SK Pattanayak and he exclusively said that IRFC is ready to get listed as the Corporate Affairs Ministry (MCA) has resolved the tax issue, which was delaying the process.
Sat, 10 Feb 2018 14:26:26 +0530


Fine Organic Industries files IPO papers with SEBI Established in 1970, the Mumbai-based firm is a leading producer of speciality additives for foods, plastics, rubbers, paints, inks, cosmetics, coatings, textile auxiliaries, lubes and several other speciality applications.
Thu, 08 Feb 2018 21:23:44 +0530

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