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Mutual Fund
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Link for www.amfiindia.com |
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 Equity Funds
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Equity Funds achieve the benefits of diversification by investing in the stocks
of companies across a large number of sectors. As a result, it minimizes the risk
of exposure to a single company or sector. They carry the principal objective of
capital appreciation of the investment over medium to long-term. However they face
more risk than debt funds due to exposure to Equity markets. There are various types
of Equity schemes such as Aggressive Growth Fund, Growth Fund , Diversified Equity
Funds, Equity Index Funds ,Sector Funds, Equity Tax Savings Fund. |
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Debt Funds
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Debt Funds invest in debt instruments issued by Central & State Governments, Private
Companies, Banks and Financial Institutions and other entities such as Infrastructure
Companies / Utilities. There are various types of Debt Funds like Income Fund, Gilt
Fund, Liquid Funds, Money Market Funds etc, which cater to different investor needs.
They are best suited for the investors who are averse to risk and seek capital preservation. |
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Hybrid Funds
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Hybrid Funds are a fusion of Equity and Debt instruments with the objective to diversify
across different asset classes. MIPs & Balanced schemes fall under the category
of Hybrid funds. |
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MIPs
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The right choice for conservative investors in need of higher returns. In a scenario
where debt returns have come down because of historic low interest rates, the MIP
product relies on small dosages of equities in a predominantly debt portfolio to
provide the return kicker. Generally, the Equity exposure to MIPs is around 15-20%
& the rest of the money is deployed in debt instruments. |
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The equity kicker in an MIP can work favorably for the portfolio, as a positive
movement in the equity component improves the overall return, whereas a negative
movement in the equity component does not have any long-term impact on capital. |
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Balanced Funds
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A Mutual Fund that buys a combination of common stock, preferred stock, bonds, and
short-term bonds, to provide both income and capital appreciation while avoiding
excessive risk. The purpose of balanced funds is to provide investors with a single
mutual fund that combines both growth and income objectives, by investing in both
stocks (for growth) and bonds (for income). A typical balanced fund might contain
about 65-75% stocks and hold the rest of shareholder's money in bonds. It is important
to know the distribution of stocks to bonds in a specific balanced fund to understand
the risks and rewards inherent in that fund. They are ideal for medium to long-term
investors willing to take moderate risks. |
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Insurance
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Link for www.hdfcinsurance.com
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LIFE INSURANCE
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HDFC Standard Life Insurance Company Limited. is one of India's leading private
insurance companies, which offers a range of individual and group insurance solutions.
It is a joint venture between Housing Development Finance Corporation Limited (HDFC
Limited), India's leading housing finance institution and a Group Company of the
Standard Life Plc, UK. As on February 28, 2009 HDFC Ltd. holds 72.43% and Standard
Life (Mauritius Holding) 2006, Ltd. holds 26.00% of equity in the joint venture,
while the rest is held by others. |
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Mr Ganesh S Shanbhag is a Certified Financial Consultant with HDFC Standard Life
Insurance Co. Ltd.
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NON-LIFE INSURANCE
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We have an exclusive Tie Up with Bajaj Allianz General Insurance Company Limited.
Bajaj Allianz General Insurance Company Limited is a joint venture between Bajaj
Finserv Limited (recently demerged from Bajaj Auto Limited) and Allianz SE. Both
enjoy a reputation of expertise, stability and strength.
These are of different types: |
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Home Insurance |
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It covers the buildings and contents of your home against all possible kinds of
perils such as fire, earthquake, terrorism, storm, flood, cyclone, burglary and
breakdown of appliances. |
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Health Insurance |
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A Health Insurance policy is designed to offer complete protection to the insured
and family. You can cover your spouse, children (above 90 days) and dependent parents
(Up to 60 years) from all Health worries. However renewal is accepted up to 70 yrs.Income
tax benefits on premium paid as per section 80-D of Income Tax Act. |
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Accident Insurance |
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It is an insurance package designed to take care of individuals & family members
in the unfortunate event of a fatal accident or disability.
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Motor Insurance |
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It’s a Policy for your four-wheelers, which covers Third Party Liability (TPL) for
bodily injury and/or death, Personal Accident cover for owner-driver and loss or
damage to the vehicle insured (Own Damage or OD). |
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Travel Insurance |
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Besides your luggage, money, passport and tickets, the next important item to accompany
you on your trip is a reliable travel insurance plan to take care of any unexpected
event.
Until you return to India, this policy guards you from unexpected incidents such
as baggage delay, loss of baggage, flight delays, medical expenses and loss of travel
documents, all under one convenient package, at an affordable price. |
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Factory Insurance |
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This insurance protects a companies business where there is usually an element of
manufacturing involved. The insurer will need fairly detailed information from you
to provide a factory insurance quote and will be particularly interested in the
product that is being manufactured and its intended use. As well as the Building
itself, Fixtures & Fittings & Contents, cover can include Stock, Business Interruption
and Machinery. You may also require Engineering Insurance if you have Lifting Equipment
etc. The covers provided are usually Fire & Perils or All Risks; you will normally
be given the option to choose. All Risks is the better cover but will cost more.
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Jewellery Insurance |
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Jewellery forms an integral part of our culture & our lives, be it any occasion
or even a regular day. However, these valuables need to be safeguarded against various
risks, which may not be covered under other policies. Jewellery Insurance safeguards
this asset for you, securing it against all risks.
The only product of its kind in the industry, Jewellery Insurance provides complete
security for gold / jewellery, when it is worn by the policyholder in person or
while being carried to the bank lockers. Absolute security & coverage is given against
burglary & fire, in respect of items kept at home / bank locker.
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Stock Broking
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We are Registered Member of Inter-connected Stock Exchange of India Ltd. (ISE). |
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We have separate desks for NSE and BSE. |
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We give regular SMS/ Email alerts to our Clients regarding stocks. |
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All our clients get the Quarterly Newsletter ARTHAVRIDDHI free. |
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To avail of our Equity Broking services, clients need to register themselves with
us by filling in "Client Registration Form"Copies of the following documents have
to be submitted along with the form: |
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Mandatory :
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1) A Passport Size photograph
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2) PAN Card ( Self attested photocopy)
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3) A Cancelled cheque
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4) Latest Demat Account Statement not more than 3 months old with Banker Stamp,
Signature & Self attested by client.
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5) Bank Account Statement ( With Bank’s stamp on it, Self attested & Not more than
3 months old)
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Any 1 of the below mentioned :
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1) Passport(Pages containing Name,Address,Number and Expiry date)
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2) Ration Card (first and last page)
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3) Voter Identity Card
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4) Driving License
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Client registration charges Rs.300/-. Please pay by Cash or Cheque favoring "SMS
Financial Services P Ltd" |
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Client Account will be opened ( if all documents are in order ) within four working
days. |
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On opening of account, the Client is allocated a Client code.The same is required
to be quoted at the time of placing order,enquiring about account position etc.
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Transfer Cases
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After unfortunate demise of your beloved family member you might require to sort
out his old physical shares/ mutual fund investments etc. This is a hectic task
and new generation might be unaware of the value of those papers. So before trashing
them Just Contact Us. We are among very few who will help you in converting all
old physical shares in DEMAT mode and streamline the portfolio.
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Retirement Planning
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Everyone wants a golden retirement... But saving for retirement is not an easy task.
It’s a highly personalized job depending on the needs of the individual. There is
a myth that we can start retirement plan comfortably but the younger you start the
better it is. It is very necessary to have an income plan in place to finance
your retirement. We design a comprehensive retirement plan for our clients suiting
their future financial needs so that they can enjoy their retired life. |
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Tax Planning
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SAVE TAX up to RS.44, 187* under various Income Tax Sections like Sec80C, Sec 80CCC,
Sec 80D, Sec10 (10) D.
We would like to offer you the following solutions for Tax Planning.
Mutual Funds (Equity Linked Saving Schemes u/s 80C)
Create Long term wealth irrespective of market conditions. Invest in time tested
and best performing Tax Saving Schemes. Start early and invest regularly as there
is No Right Time for Investment.
Life – Insurance: (HDFC Standard Life Insurance)
Invest in Unit Linked Insurance Plan (ULIP) / Conventional Insurance Plans and avail
tax benefit u/s 80C
Invest in Unit Linked Pension Plan (ULPP) / Conventional Pension Plans and avail
tax benefit u/s 80CCC
Non- Life-Insurance: (Bajaj Allianz General Insurance)
Health Guard:
- Health costs are getting higher. Protect your family in case of serious accident
or major illness.
- Avail cash less benefit
- Medical expenses covered: 60 days prior and 90 days post hospitalization.
Critical Illness:
- Critical illnesses are life threatening but curable these days. Only life cover
is not enough
- Avail critical illness policy and insured against diseases like Cancer, Heart Attack,
Kidney Failure, Bypass Surgery Stroke etc
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Have you made your WILL?
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Where there is a WILL, there’s always a way.
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Will planning is important for everyone, especially for those having substantial
wealth and want to distribute it in any specific manner after they ceases to live.
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Will is a legal declaration of the intention of a person with respect to his/her
property. It’s a document that can be revoked, modified or substituted by the person
anytime during his life time.
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We will help you in preparing your last will and other relevant documents.
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