Services
Investment Profiling
Whenever you think of making investment, three things should come on top of your mind – Risk Profiling, Products and Asset Allocation.
RISK PROFILING – Knowing ourselves well is more important than choosing products first. Risk Profiling helps in doing that. By carefully answering a well-researched set of questionnaire, your risk appetite can be known. This may not remain constant forever with changing dynamics of micro and macro-economic factors. Hence, it is important to go back and re-assess after regular interval.
PRODUCTS – There are many investment products available in the market. The first check should always be that the product must be regulated by a govt. appointed regulatory body. Next, you must consider the suitability. All products are good in their own context and with a certain section of investors. Whether the same suits you or not, depends on your risk profile, investment horizon, liquidity needs and taxation aspect. Also, there are certain products which cater only to a particular section of society, e.g. resident individuals, senior citizens, girl child etc.
ASSET ALLOCATION – We should not put all eggs in one basket i.e. not all our money in one single investment product or category. Distributing our investments into poorly correlated asset classes often saves us from big losses and is expected to generate a steady return. Asset allocation has to be re-aligned or re-allocated at regular intervals. There are investment products available which aim to inculcate this very principle of asset allocation in the way they are managed. Otherwise, custom asset allocation can always be done.
Mutual funds
Mutual Fund is a vehicle that enables a collective group of individuals to:
- Provide security to your family
- Protect your home mortgage, loans, credit card borrowings etc.
- Provide finance to your loved ones to achieve their goals in your absence
- Ensure that your family is able to maintain their lifestyle, no matter what happens
- Look at other retirement saving/investment vehicles
Investing in a mutual fund is like an investment made by a collective. An individual as a single investor is likely to have lesser amount of money at disposal than say, a group of friends put together. Now, let’s assume that this group of individuals is a novice in investing and so the group turns over the pooled funds to an expert to make their money work for them. This is what a professional Asset Management Company does for mutual funds. The AMC invests the investors’ money on their behalf into various assets towards a common investment objective.
Hence, technically speaking, a mutual fund is an investment vehicle which pools investors’ money and invests the same for and on behalf of investors into stocks, bonds, money market instruments and other assets. The money is received by the AMC with a promise that it will be invested in a particular manner by professional managers (commonly known as fund managers). The fund managers are expected to honour this promise. The SEBI and the Board of Trustees ensure that this actually happens.
Why should you Invest in Mutual Funds?
Convenience: Investing in mutual funds is very convenient. With a lot less paper-work and market-monitoring, you can get exposure to a broad-based market and investment as per your requirement. Moreover, the facility of switching between funds and portfolio rebalancing helps to keep your returns in line with expectations.
Low initial investment: With as low as Rs 500, you can get access to a diversified mutual fund portfolio. Moreover, you get the flexibility to invest via a lump sum or a systematic investment plan (SIP). As compared to a lump sum, an SIP is a good way to lower the overall cost of investment and enjoy the power of compounding.
Tax-saving: Section 80C provides tax deductions on certain financial instruments and mutual fund is one of them. Equity Linked Savings Scheme (ELSS) has become a popular tax-saving option for Indians in the last few years, owing to its higher returns and the shortest lock-in period of 3 years.
Professional fund management: In mutual fund investing, your money is managed by a professional fund manager who is backed by a team of researchers. He formulates the investment strategy to do the asset allocation. He gets real-time access to the financial environment and adjusts your mutual fund portfolio accordingly.
Insurance Planning
Insurance is an important risk management tool that can protect you and your family from financial hardship caused by unfortunate events. We work with you to identify your risks and implement a cost-effective risk management program that has been developed with your specific circumstances and requirements in mind.
Our Insurance recommendations include Insurance For
Life Insurance
Health Insurance
Personal Accident Insurance
Critical Illness Cover
Travel Insurance
Motor Insurance
If you have existing insurance policies, it is important to realise that both over-insuring and under-insuring can be costly. We will review all your existing policies and ensure that you are appropriately and adequately Insured.
The loss of earnings and dent in wealth basket can be experienced with the death, disability, critical illness or long period of hospitalization and its clear impact is seen on the financial well-being. By seeking the insurance planning assistance one can receive extensive relief in one’s overall financial status. Planning for covering all possible risks through insurance always turns out to be fruitful as well as satisfactory for each one of us.
If you have existing insurance policies, it is important to realise that both over-insuring and under-insuring can be costly. We will review all your existing policies and ensure that you are appropriately and adequately Insured.
The loss of earnings and dent in wealth basket can be experienced with the death, disability, critical illness or long period of hospitalization and its clear impact is seen on the financial well-being. By seeking the insurance planning assistance one can receive extensive relief in one’s overall financial status. Planning for covering all possible risks through insurance always turns out to be fruitful as well as satisfactory for each one of us.
Instead of considering insurance planning as an absolute tool towards the overall financial planning, we often misunderstand it by calling an investment. Already where our daily lives remain unpredictable with uncertainties including an absolute loss of income, critical illness or even with disability, why not look forward for the attainment of absolute peace of mind through an effective insurance planning technique.
You must be thinking how insurance planning is associated with overall financial well-being? But the fact is that where financial well-being is a way of creating wealth over time and also creating a path to accomplish the benefits, the relevance of insurance planning cannot be left behind. As insurance planning assists in protecting us from adverse financial crises or losses which we may all face at the time of emergencies.
Our Insurance recommendations include Insurance For:
Life: Life insurance is important for business owners because it can help protect the business from financial loss, liabilities or instability in the case of an owner or business partner’s death.
Health: At Success yantra Health Insurance, we help you accomplish your dreams, while you partner us in making this venture a success.
Personal Accident Insurance: The purpose of life insurance is to cover the risk of early death and the purpose of Health Insurance is to act as a cushion against hospitalisation expenses.
Child Cover: The conversation about life insurance for a child can lead to a flood of emotions. That is the very reason it is so important to provide for this in your financial plans.
Equity Gurukul
Equity Gurukul is creating platform for student to enhance stock market knowledge. This project is providing research opportunity to fresher. Equiyt Gurukul will help students for practical knowledge and many others .
Investment and Trading:
If you are a:
Stock market Beginner: You are a beginner and want to know how to Invest in Stocks confidently.
Stock Market Investor: You want to build long term wealth from stocks by learning to pick good stocks.
Stock Market Trader: You want to learn Future and options, Technical analysis, options writing and pair trading.
Knowledge seeker: You are a knowledge seeker and want to know about business, sectors and economy of India.
Job seeker: You are planning to join or switch your job in the stock market domain and make a career.
