Successful people do their work keeping a goal in mind; same implies to investments. We are into Financial Planning and provide goal specific solutions. It’s much more fruitful for people if they invest as per their family and life goals. This also helps them understand whether their savings & investments are adequate to meet their goal. Incase their current investments are not sufficient so it’s alarming for them to raise the investment amount whenever they have surplus.

We put lot of effort in interacting with our clients and understanding about their exact requirement. We tell them simple and powerful ways to align their goals by streamlining their investments.

Additionally we do put efforts for their financial awareness by organizing Investor awareness program. Our innate curiosity and passion for learning supports our aim to achieve excellence in advisory. Our expertise tells that if you are early and regular investor then you will be less dependent on borrowed money.

  • Financial Planning
  • Investments
  • Tax Planning

“Failing to plan is planning to fail” – Alan Lakein

Financial Planning

Financial Planning is all about planning for life goals. In order to achieve your goals its paramount that you start investing early and regularly. Inflation is the key factor while doing financial planning as it erodes the value of money over time.

Ask yourself:

  • Have I aligned my goals to investment?
  • Are my Investments fetching sufficient return to meet goals?
  • Am I taking complete exemption of tax available to me?
  • How long my dependant can maintain the lifestyle if something happens to me?
  • Is my Insurance amount covering my home loan?

How can we help you?

  • We plan for your short term and long term goals and help you prioritize them
  • We shows how to give value to your hard earned money
  • We discuss the investment avenues based on your risk profile/suitability in a tax efficient manner
  • We discourage people taking fancy insurance products. Rather we first understand their liability and advise them to take adequate term cover.
  • We help you deciding the health cover for your requirement.
    Goals could be:

    • Buying your house
    • Investing for Child education
    • Planning for retirement
    • Wealth creation planning etc.

 

InvestmentsBOX (second) icon- Investment (on home page) pref.2

  1. Mutual Fund
  2. Fixed Deposit
  3. Equity

 

 Mutual Fund

Money Mantra offers advisory and distribution services of various mutual fund schemes to its clients. We have registered with AMFI as an approved advisor of mutual fund.

Why Mutual Fund?

Mutual Fund is well regulated entity managed by highly skilled professional and fund managers to capture potential returns. They take informed and well researched decisions and have diversification in investments. It’s a very tax efficient investment tool and provides liquidity.

Systematic Investment Plan (SIP) is an excellent tool to build corpus for life goals. One can invest on monthly basis via SIP route in a Mutual Fund scheme. Many people find SIP a very convenient way of investing as they gets salary on monthly basis. Moreover it also average out the purchase price, so people prefers this the most.
 

Fixed Deposit

We have requisite empanelment to offer fixed deposit, corporate deposit, bonds, debentures etc. However we find debt mutual fund (aka Fixed Income products) as much more attractive investment option not only from the return perspective but tax efficient too.  
 

Equity

We often see people put a lot of money in direct equity in quite haphazard way; many with an intention of earning overnight. Here we advise investor the right way of doing this. We tell them equity is for long term and there is a lot of possibility of losing money if they keep on churning. Rather we even tell them to invest in Equity Mutual Fund where the fund manager does the stock selection. Its essential to understand the risk-reward of Equity before doing the right allocation.
 

Term Insurance

One must have adequate life insurance but we find many people INVEST in life insurance which is not right. What we mean by that is people take traditional product of life insurance may be due to lack of knowledge or improper guidance by sales guy. Traditional Life Insurance products are low return or high expense in nature. Term insurance provides life coverage in relatively quite low premium.

Health Insurance

Medical cost is increasing day by day and an individual need to shell out lot of money even for small treatment. Health Insurance takes care of medical expenses mainly hospitalization due to illness or accident. A medical emergency can occur any time regardless of you having sufficient money or not. Hence one should have adequate health insurance. Not having health insurance or having insufficient health insurance can impact ongoing investment which in turn can affect goal planning.
 

TAX Planning

Under section 80C – you can benefit from Life Insurance (term), ELSS (3 years lock-in) – Mutual Fund. Maximum tax benefit under this section is Rs 150,000.

Under section 80D- covers Health insurance premium. Maximum deduction u/s 80D is raised to Rs 25,000. The deduction for senior citizens is increased to Rs 30,000.