Market Linked Investments

We offer a complete range of Equity Market Linked Investment products to empower you to find suitable options in line with your long-term objectives.

• Equity Broking Services
  A stock signifies ownership in a corporation and represents a claim on part of the corporation's assets and earnings. Stocks portfolio holding carry no expense ratios and hence are cost effective in comparison to managed equity options like MF, AIF & PMS.
• Mutual Funds
  Mutual Funds offer professional management, diversification, transparency & lower effective taxation. They are easy to invest, manage and completely suitable for long term goals or wealth creation. Mutual funds offer plenty of options to invest by providing different categories and combinations among equity, debt, gold, silver & derivatives.
• ETF/Index Funds
  ETF & Index funds are free from fund manager biases, popular ideas and give us low cost, clear exposure on the selected index / market category. An Index Fund is a type of Mutual Fund while an ETF is an exchange-traded fund which can be traded via a securities account only.
• Portfolio Management Services
  In PMS, the stocks are held directly under your name. PMS funds have a more focused equity stock portfolio and are generally less diversified/aggressive as compared to MF. They offer opportunities to invest in specific ideas, themes, and approaches. They require higher minimum investment amounts & are generally suitable for seasoned investors who understand direct equity and its risk as well. PMS can be divided into three categories- Discretionary, non-discretionary, and advisory.
• Alternative Investment Funds & Structure Products
  AIF & Structure Products are for highly aware clients who have large investment Corpus. Such products generally are less flexible, complex & require a higher minimum investment amount. AIF are not regulated by SEBI Regulation 1996 (Mutual Funds), SEBI regulation 1999 (Collective Investment Schemes) and thus provide more Flexibility to Fund Managers. Structured Products are hybrid investments based on a basket of underlying securities, such as derivatives, equities, debt, commodities indices, currencies, or any combination thereof. Structure Products are flexible and tailor- made investment alternatives that allow exposure to multiple asset classes and risk profiles.
• Private Equity/Unlisted Placements
  Unlisted Equity Opportunities are highly risky, but can be highly rewarding. They are suitable for highly aware customers who can afford to take risk on their capital.

Fixed Income Solutions

Fixed Income Products are essential tools to design right asset allocation & create diversification from Market linked Investments due their secured low risk return offering. We offer a complete range of Fixed Income Products to empower you to find suitable options in line with your long-term objectives.

• Debt Mutual Funds Debt Mutual Funds mainly invest in a mix of debt or fixed income securities of different time horizons according to the fund's investment objective. Debt funds offer plenty of investment choices for investing. One should choose the debt funds based on their expected time frame of investment, credit quality of debt fund portfolio, investment corpus/size of debt fund & fund managers track record.
• Bonds & Debentures
  A Bond is a debt instrument utilized by private companies, government agencies, and financial corporations to draw additional capital from the public. These instruments act as a secured loan, offering investors a specified interest rate, interest payment date and a commitment to repay the loan amount upon maturity.
  
  Debentures, akin to bonds, are debt instruments issued by private companies with specific funding objectives. Unlike bonds, debentures lack collateral, urging investors to diligently assess the creditworthiness of issuers before committing funds. NCD are a popular debenture choice.
  
  Investors seeking low-risk options can find solace in bonds, whereas those pursuing higher returns may lean towards debentures.
• Corporate Fixed Deposits
  Offered by non-banking financial companies (NBFCs) or private corporations. Used by companies to raise debt capital. They are not covered by deposit insurance, posing higher risk to investors. They usually offer higher rates than bank fixed deposits.
• Debt Structure/PMS & AIF
  Today there are many options to invest in debt-oriented structures, PMS and AIF. They generally provide better returns as compared to Debt MF & other fixed income options, but at same time are more complex, have restricted liquidity.

Estate Planning

It is important to keep our wills, estate planning in place to ensure smooth transfer of your assets, business and financial wealth to your heirs and help them avoid a costly and difficult court inheritance procedure. We advise on all aspects of will writing & estate planning for our clients.

• Need for Estate Planning
  Ensuring consolidation and smooth succession of assets without delays and disruptions Meeting and protecting financial needs of family members Multi-generational planning of wealth Retaining control and flexibility within the family Addressing concerns about unexpected incapacity Long term and professional management and preservation of assets
  • Protection of assets against a possible reintroduction of estate duty in India
  • Protection of assets against possible future matrimonial claims
  • Protection of assets against future liabilities and claims
• Will based Estate Planning
  Everyone should have at least a basic estate planning document in the form of Will. A will is a testament that declares the intention of the person regarding his wealth and property which he wants to be executed after his death. Drawback with will base planning is that, generally family members still need to go to court to get probate based on will to get complete access to assets.
• Trust Based Estate Planning
  Trust based estate planning is more comprehensive & gives more control and options over when and how your beneficiaries receive benefits from assets. If one has a sizable estate, then trust-based estate planning is a better route to secure you, your estate, and the interest of your heirs.
• Power of Attorney & Durable Power of Attorney
  POA grants your agent the power to handle your financial decisions while you are living or traveling abroad.  DPOA grants another person legal authority to act on your behalf, particularly in circumstances where you become unable to make or communicate decisions due to injury, illness, or incapacity.

Investing Abroad

Global Investing is now easier than ever. We continuously explore global investing opportunities for you. Many Indian investors typically invest most of their money in India, thus missing out on the opportunity to invest in global leaders, diversify across geography, improve return potential, and stabilize portfolio returns. By investing only in India, investors are missing out on opportunities that are available elsewhere in the world.

Having a global portfolio allows one to capture strengths of each geography. Investment in only one geography exposes investors to country specific risk. Historically, global markets have had low correlation with each other. Hence, returns across geographies can stabilize portfolio returns.
There are multiple ways available to invest internationally. One of the simplest ways to take global exposure is by using India domiciled funds and exchange traded funds (ETFs) that invest in international markets. One may also Invest in Foreign Stocks via Indian brokers with international tie ups or via global brokerage accounts. Investors can also take the LRS route to build a global portfolio.

Insurance – Life & Non-Life

• Life Insurance
  Life Insurance, beware of widespread mis-selling We Believe in only Pure Term Insurance as Right Life Insurance Product. We do not Recommend Investment-Oriented Insurance Plans. They involve many complexities, offer inferior returns due to high charges and have low financial planning merit. Only goal of Life Insurance should be to safeguard surviving family members in case of death, accident, or incapacity of earning members. Strangely, Life Insurance is being mostly sold in India for saving & wealth creation. One can blame willful ignorance of respective agencies, blame insurance companies, or may be investors themselves as they want all in one quick solution by signing one page product.
• Term Insurance}
  Term insurance plans are the only type of insurance plans which are designed solely for protection purposes. Against the high levels of sum assured available, the premiums charged are affordable. Term insurance should be the first step towards financial planning.
• Annuity Plan
  Provides Guaranteed Income, But Leaves No Flexibility An annuity is basically an insurance contract in which you pay the financial institution either in a lump sum or a series of payments and the company promises to pay you back regular payments right away or in the future. With an immediate annuity, you can immediately start receiving payments. Deferred annuity enables you to receive payments after a decided stipulated period.
• General Insurance
  Our goal is to help you buy the right & cost-effective non-life policy. General insurance protects against the unforeseen losses and damages other than those covered by life insurance.
• Health Insurance
  Hospitalization and medical emergencies are tough to handle not only physically & mentally, but also financially. Can be taken for an individual or for your family as a Family Floater Health Insurance Plan. Premium of medical insurance keeps on changing hence it is critical to regularly review your policy.
• Home/Property Insurance
  Along with your home, property insurance protects the valuables and other assets against potential threats like burglary, theft, fire, and natural disasters.
• Motor Insurance
  Motor insurance gives protection to the vehicle owner against damages to his/her vehicle & also pays for any Third-Party Liability determined as per law against the owner of the vehicle. 
• Travel Insurance
  Travel insurance can be taken to cover medical eventualities, and non-medical contingencies such as loss of baggage, trip delay and other incidental expenses.
• Personal Accident Insurance
  Provides financial protection in event of injuries, death or disablement caused from accident.

Loans & Debt Management

We have tie up with different institutions to offer you loans for every need. Whether you are looking at buying a new home, adding on to your house or looking to finance a new car, business funding, student loan or personal loan, we are here to help.

• Loans – Owning Asset versus Interest Trap
  Loans help us in building assets & comfort at the cost of interest paying. It is always tricky to choose between the dream of buying assets and worrying about paying hefty interest. One needs to assess the following question before taking loans.
  • Am I taking good or bad debt?
  • How much debt is too much regarding my net worth?
  • What tenure should I opt for the loan?
  • How much of a percentage loan should be to your Income?
  • Should I avoid certain Loans?
  • What is the best interest rate?
  We will answer all the above questions to you in detail, so as you can assure or stop yourself from taking out a loan. We continuously analyze the best loan offer from banks and NBFCs to find the best alternative for you.
• CIBIL/ Credit score
  We also help you find and improve your CIBIL/ Credit score.

Real Estate Solutions

We recognize that real estate is an integral, and often large, component of most portfolios in our part of the world. Our real estate offering includes a range of asset and transaction types, including purchases and sales, reflecting the diverse needs of our clients and the rapidly evolving landscape in which we operate.

• Financial Investments in Real Estate
  We assist our clients in identifying attractive financial investment opportunities with underlying real estate assets across a wide range of available instruments including REITs, Invites, NCDs, structured buybacks, and real estate funds.
• Residential Real Estate
  We offer our clients a carefully curated selection or primary and secondary opportunities, including distressed assets, which carry attributes that make them attractive investment opportunities
• International Opportunities
  Whether it is for diversification purposes or to support our clients’ lifestyles, we use our network of partnerships to identify attractive international real estate opportunities across locations and help our clients simplify the execution process.
• Opportunities in Emerging Sectors
  We continuously work to find yield enhancement and outright equity opportunities across projects in rapidly-growing sectors such as Student Housing, Co-Living, Senior Living and Warehousing.
• Pre-lease Options
  Investment opportunities across Commercial, Sunrise, Warehousing, Hospitality, Education, Healthcare sectors etc. to ensure a good rental yield and cashflow.
• Fundraising and Structured Financing
  We guide our clients about financing solutions using a range of debt and equity instruments including Loan Against Property (LAP), Lease Rental Discounting (LRD), structure buybacks, NCDs, and equity.

NRI Services

We fully understand the challenges faced by Non-Resident Indians in managing their matters back home. We offer comprehensive range of services to simplify your financial journey & other requirements. We arrange expert guidance & ensure adherence to all Indian laws and regulations for NRI transactions.  Our mission is to be a world class global services provider to NRIs and OCIs.

Services for NRI & OCIs:

• Complete Financial Services
• Estate Planning
• Health /Medical insurance & Comprehensive travel insurance!
• Legal documentation Needs
• NRI - Elder Care Services
• Taxation Services (Income Tax, Wealth Tax, DTAA, etc.)
• India Real Estate Investment
• India Home Loans & Other Loans
• PAN CARD Applications
• OCI Card Application

Insights & Investor Awareness Program (IAP)

• Markets Insights & Updates
  Financial Markets are Dynamic & Short-Term Volatility in Inevitable. So, we try to keep close track on what is happening and share with our clients to enhance their knowledge and hence financial discipline in the long run.
  
  We keep you abreast of trends in the world of wealth management services in India and are proactive in identifying new and innovative solutions to enable you to make smarter choices.
  
  
  • Market Commentary
  • In the Press
  • Investment Outlook 2021
• Investor Awareness Program (IAP) 
  The investor awareness programs play a pivotal role in our overarching objective to enhance functional literacy and broaden access to investment opportunities across every region of the country. By educating individuals about various investment avenues, risk management strategies, and the potential returns associated with different financial instruments, we aim to empower people from all backgrounds to make informed financial decisions. This initiative not only aims to increase awareness about the benefits and risks of investments but also strives to bridge the knowledge gap and promote a culture of financial prudence and empowerment nationwide. By ensuring that comprehensive investor education reaches every corner of our diverse nation, we aspire to create a more inclusive and financially literate society.
  
  Our IAPs cater to investors from all walks of life, from those entirely new to investing to existing investors seeking to refine their strategies, from investors investing to build wealth to investors looking to achieve specific financial goals. We break down complex financial concepts like risk-reward, asset allocation, and various mutual fund types, other Investment Options into easily understandable topics.