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Wealth Creation and sustenance requires systematic Financial Planning. This process deals with Diligent Selection, Execution and on-going Review of various Financial Instruments. These Products and Assets need to be suitably expertly women to generate optimum outcome across various Life Goals. Wealth Nation’s Product dimensions for its Advisory services are snapped here for You to create better understanding of our workings.
Direct Equity
Investments in Equity Shares of companies listed on Indian Stock Exchanges. Basis various factors including financial goals and risk factoring, WNites are advised investments in Capital markets. Our stock recommendations are based on qualitative and quantitative research undertaken using advanced technology and information systems.
Mutual Funds/Exchange Traded Funds
With a plethora of Mutual fund offerings across asset classes and various scheme objectives, investors are spoilt for choice. Still, the harsh reality is there is too much confusion and selecting the required fit is a tiring task. What with all the market player’s voices pulling and pushing in different directions! WNites, relax and leave the right fund selection to us and take firm steps towards achievement of your financial goals.
Insurance Planning
In the domain of Personal finance, Insurance planning is about financial risk management. With the fast-paced life style, there is an increase in the inherent risk that we bear as individuals, as entities and as Society collectively. To mitigate such risks, various product offerings are developed in Life and Non-Life Insurance space. The products keep on evolving to meet these requirements. Selection of the right product fit to provide optimum risk coverage is must. It’s not a simple exercise and often with improper solicitation can be damaging rather than rewarding. WNites, be rest assured with our well researched and customized solutions in the Insurance planning space.
Small Savings Schemes
The Small savings schemes were started with the objective to promote savings habit and create long term wealth creation for Citizens. Over the period of time, various schemes have been launched and modified to suite investor outlook. Their popularity as a safe and long-term savings instruments has only grown. These characteristics make them an essential part of our wealth management advice. Investments in various instruments like PPF, EPF, NSC, Sukanya Samriddhi yojana is duly emphasized.
Fixed Deposits
Fixed deposits are traditionally offered by various commercial and co-operative Banks. They are perceived to be one of the safest avenues to place hard-earned savings. They often offer flexibility in terms of short term to long term durations making them even more attractive. Various NBFCs and lFCs also offer Fixed Deposits along with various Corporate FDs that are now available as valiant option. Our investment guidance across these options is designed to offer flexibility, safety and yet at times higher real returns. We recommend only fundamentally sound and AAA rated options as a part of investment strategy.
Various types of Bonds
Bonds are increasingly getting popular among HNI and Retail investors. To participate and be a part of the Nation’s growth story and most of the time earn relatively higher returns. Various options to invest include G-Sec bonds, Corporate bonds, RBI Bonds, Convertible bonds among others. With relatively new category of Sovereign Gold Bond (SGB) also finding some traction. These form part of the advice after suitably assessing client requirements.
National Pension Scheme (NPS)
NPS has been envisioned, with an aim to provide sustainable retirement income and inculcate the habit of saving early for the retirement life. It is regulated by Pension funds regulatory PFRDA. It’s an attractive tool in the formulation of retirement planning strategy.
Debt Management
Loan offerings have paved the way for faster fulfilment of our goals. But debt brings along certain liability which if not managed properly can deplete ones Net worth. The Worst-case scenario can get one stuck in the vicious cycle of burgeoning debt. We help manage the debt requirement to optimal level as part of financial planning and to eventually get debt free.
Overseas Investments
Global investment markets can help diversify one’s portfolio effectively. Basis one’s financial risk appetite and basic understanding, we advise investments in developed economies capital markets through instruments like Mutual funds, ETFs and direct equity.
Income Tax Planning
At its core, Income tax planning is about optimizing your income tax liability. It’s a broad subject and as such has evolved into a profession in itself. We advise on instruments to undertake tax efficient investments and tax management across various financial services availed by you. The taxation aspect of investments is often undermined, but in the long run, its proper management can significantly add to one’s net worth and help achieve Life Goals. Advanced Income Tax planning involving complex matters is provided in consultation with subject experts.
Estate Planning
Aspects of planning with the broader intention to give back to the loved ones and to society constitutes estate planning. It could be to leave a legacy, support dependents, spread greater good in the form of Charity among others. This requires due diligence to optimize selection of the ways including writing Will, formation of Trust, appointment of Guardian and Trustee. It is multi-dimensional and can be worked out as per your situation, needs and requirements. We offer Advanced Estate planning services in consultation with subject experts.
