• Financial Planning

    In finance, investment is putting money into an asset with the expectation of capital appreciation.

  • Mutual Funds

    When it comes to the world of investing, three words come to mind: overwhelming, intimidating, and scary.

  • Time for changes

    Bottoms in the investment world don't end with four-year lows; they end with 10- or 15-year lows.

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Financial planning



Financial planning is the process of assessing financial goals of an individual, taking an inventory of the money and other assets which the person has, determine life goals and then take necessary steps to achieve goals in the stipulated period. It is a method of quantifying a persons requirement in terms of money.

It is the process of meeting life goals through the proper management of finances. Financial planning is a process that a person goes through to find out where they are now (financially), determine where they want to be in the future, and what they are going to do to get there. Financial Planning provides direction and meaning to persons financial decisions. It allows understanding of how each financial decision a person makes, affects the other areas of their finances. For example, buying a particular investment product might help to pay off mortgage faster or it might delay the retirement significantly. By viewing each financial decision as part of the whole, one can consider its short and long- term effects on their life goals. People can also adapt more easily to life changes and feel more secure that their goals are on track.

In simple, Financial Planning is what a person does with their money. Individuals have been practicing financial planning for ages. Every individual who received money had to make a decision about the best way to use it. Typically, the decision was either spend it then or save it to spend later. Everyone had to make the same decision every time they receive money.

Financial Planning is an advisory service provided by the finance industry. Although financial planning is not a new concept, it just needs to be conducted in organized manner. Financial Planner on other hand is a service provider which enables an individual to select proper product mix for achieving their goals.

The major things to be considered in financial planning are time horizon to achieve life goals, identify risk tolerance of client, their liquidity need, the inflation. Keeping all this in mind financial planning is done with six step process. This are self assessment of client, identify personal goals and financial goals and objective, identify financial problems and opportunities, determining recommendations and alternative solutions, implementation of appropriate strategy to achieve goals and review and update plan periodically.

A good financial plan includes Contingency planning, Risk Planning (insurance), Tax Planning, Retirement Planning and Investment and Saving option

 Mutual Fund Distribution

Mutual Funds have emerged as a biggest and most sought-after investment option in modern times. But with so many funds and schemes in the market, it has become mind-boggling to choose the right fund/scheme. Having invested in mutual funds, there is another more herculean task of managing the funds, knowing their folios and current NAV. We will help you in evaluating the correct fund/scheme suitable to you based on your risk-bearing appetite and also help you in knowing the current NAVs and managing your folios across different funds/schemes.
Bond/ Fixed deposit

Introduction of Bonds:

A bond is a negotiable debt security under which the issuer borrows a given amount of money, called the principal amount. In exchange, the borrower agrees to pay fixed amounts of interests, also called the coupons, during a specific period of time. Everything is well defined by the bond contract: the coupon rate is the interest rate that the issuer pays to the bondholder and the coupon dates are the dates on which the coupons are paid. Besides the issuer will repay the total amount of the principal when the bond will reach what is called maturity (or maturity date). In short, a bond is a securitized loan.

Life Insurance Planning

Two major risks of Life - Living too long and living too short needs to be taken care of. We have wide range of Insurance Options to take care of both the events. Whats more! Life Insurance planning can help you achieve your financial goals and save on your taxes too. Remember - There is no substitute to Life Insurance. We will help you in structuring your insurance planning based on your needs and requirements.
Health Insurance Planning

Medical expenses are rising day by day and are only expected to go further up! Health insurance serves as hedge against medical expenses. We have good health insurance policies to cater to your needs.

General Insurance Planning


We at Advisory Services deals in all the General Insurance Products across various General Insurance Cos. as per our customers need and convenience.


ELSS versus ULIPs: Which is the better tax saving option? The imposition of 10 percent tax on LTCG earned on mutual funds could be a trigger for ULIPs
Wed, 29 Aug 2018 07:52:27 +0530


Garden Reach Shipbuilders IPO to open on September 24: 10 key things to know Garden Reach Shipbuilders#39; aggregate order book as of July 2018 was Rs 20,313.61 crore, comprising gross order value in the shipbuilding segment, engineering segment and the engine segment.
Sun, 23 Sep 2018 13:31:20 +0530


Subscribe to Garden Reach Shipbuilders  Engineers Ltd: GEPL Capital GEPL Capital has come out with its report on Garden Reach Shipbuilders Engineers Ltd. The research firm has recommended to "Subscribe" the IPO in its research report as on September 19, 2018.
Fri, 21 Sep 2018 13:42:24 +0530


Subscribe to Aavas Financiers: Cholamandalam Securities Cholamandalam Securities has come out with its report on Aavas Financiers. The research firm has recommended to "Subscribe" the IPO in its research report as on September 19, 2018.
Fri, 21 Sep 2018 13:29:55 +0530


Subscribe to Aavas Financiers: Cholamandalam Securities Cholamandalam Securities has come out with its report on Aavas Financiers. The research firm has recommended to "Subscribe" the IPO in its research report as on September 19, 2018.
Fri, 21 Sep 2018 13:29:55 +0530


Dinesh Engineers IPO to open on September 28, price band set at Rs 183-185/sh Dinesh Engineers will utilise net issue proceeds for expansion of business by setting up of further OFC network under IP-1 license; fund expenditures towards general corporate purposes; and to meet public issue expenses.
Wed, 19 Sep 2018 13:40:17 +0530


IRCON International IPO subscribed 49% so far, retail investors lap up issue completely The public issue comprises an offer for sale of 99,05,157 equity shares by the Government of India. Retail investors and eligible employees will get shares at a discount of Rs 10 per share on the final offer price.
Tue, 18 Sep 2018 13:11:44 +0530


Subscribe to Ircon International: SPA Research SPA Research has come out with its report on Ircon International. The research firm has recommended to "Subscribe" the IPO in its research report as on September 12, 2018.
Mon, 17 Sep 2018 12:58:07 +0530


Avoid Garden Reach Shipbuilders  Engineers Ltd: Choice Broking Choice Broking has come out with its report on Garden Reach Shipbuilders Engineers Ltd. The research firm has recommended to "Avoid" the IPO in its research report as on September 15, 2018.
Mon, 17 Sep 2018 12:51:28 +0530


IRCON International IPO opens: Should you subscribe? At the higher price band of Rs 475 per share, IRCON#39;s share is valued at a P/E multiple of 10.9x (to its restated FY18 EPS of Rs 43.8), which shows the issue is attractively priced at current levels, brokerages said.
Mon, 17 Sep 2018 08:11:57 +0530


IRCON International IPO to open on September 17; 10 key things to know before investing IRCON International would be the 9th company coming out with public issue in current financial year 2018-19 while it would the second company from Government of India coming out with IPO under divestment programme.
Sat, 15 Sep 2018 08:24:31 +0530


Subscribe to Ircon International: Mehta Equities Mehta Equities has come out with its report on Ircon International. The research firm has recommended to "Subscribe" the IPO in its research report as on September 14, 2018.
Fri, 14 Sep 2018 15:54:15 +0530


Subscribe to Ircon International: ICICI Direct ICICI Direct has come out with its report on Ircon International. The research firm has recommended to "Subscribe" the IPO in its research report as on September 12, 2018.
Wed, 12 Sep 2018 17:04:19 +0530


CreditAccess Grameen shares to list on Thursday The portion set aside for qualified institutional buyers (QIBs) was subscribed 5.52 times, while that of non institutional investors was 98 per cent and retail investors witnessed a subscription of 88 per cent.
Tue, 21 Aug 2018 19:36:05 +0530


Mrs Bectors Food Specialities files Rs 800 crore IPO papers The IPO will see sale of shares to the tune of Rs 800 crore by existing shareholders and promoters, according to the draft red herring prospectus (DRHP) filed with Sebi.
Tue, 14 Aug 2018 16:26:05 +0530