Financial Planning in a broad sense is process of meeting your life goals through proper management of your finances. Life goals can include planning for buying a house, saving for your child’s higher education & marriage, planning for retirement, etc. Financial Planning provides direction and meaning to your financial decisions. It allows you to understand how each financial decision you make affects other areas of your finances.
We at Ashutosh Investment Advisory provide you the tools, methods and guidance in evaluating your finances. We help you to see the state of your finances over time and assess the impact of your today’s decisions on your future.
We develop an understanding of your current and expected lifestyle, expected milestones, dreams and aspirations and your ability and willingness to take on risks and based on that, we develop an integrated financial plan for you and provide effective execution guidance.
We offer Investment Advisory on following investment options:
Mutual Funds have become extremely popular over the last 2 decades. What was once just another obscure financial investment instrument is now a part of investment portfolio of many. A Mutual Fund is nothing but a pool of fund aggregated from different investors and invested in equity and debt in different proportion as per the risk appetite of investors by a professionally managed Asset Management Company. Through Mutual Funds one can create wealth and also minimise the market risk factor by a technique called averaging which can be achieved through Systematic Investment Plan (SIP) and Systematic Transfer Plan (STP).
We not only advise for making new investment, but also time-on-time suggest for change of scheme from one to another depending on the risk return trade off.
Our well equipped Research & Analysis Department keeps at all the time a vigilant eye on the most important part called Asset Allocation for all the investors along with providing guidance on new investment avenues depending on the time horizon, risk appetite & profile of the investor.
Our team, that includes relationship personnel, research and back office analyst, back office manager are round the clock ready with all the tools and parameters that include calculations, back office data, fact sheets, historical data etc.
In line with the current electronic era and also for better service to our valued customer, we provide investment facility at customer’s finger tips by way of online investment from our website itself for all types of Mutual Fund investments.
We are facilitating our esteemed clients to view portfolio at their convenience with many report options like summary of investments, Return on investments, Current Holding Reports, Dividend History, Account Statements, Fixed Deposit Investment details, Details of Insurance, Capital Gain Tax Report, Latest NAV Report, Latest Indices Details, ULIP NAVs, etc.
Moreover by using this facility, investor can even view his most important part of investment called Asset Allocation.
Pension Plans ensure the comfortable financial flow at the time in life when the regular incomes have stopped or slowed down. A thoughtful planning of Pension Plans can ensure a smooth passage of life even in the sunset years of an individual.
With the increase in the average expectancy of life “living too long” is taken care by pension where as the threat of “living too short” is addressed by insurance. We also design combination of various insurance plans and pension plans so as to meet the customer’s multiple needs and to better manage cash flows.
Bonds, Fixed Deposits
We deal in all kind of bonds such as Capital Gain Tax Bonds, Tax Free Bonds etc. during Public Offerings and also by way of online purchase on stock exchanges.
Also we work as a main broker and as a sub-broker with various companies for Fixed Deposits. We always suggest offerings of only those companies for fixed income investments whose roots are strong enough to digest jolts of any ups & downs.
We are equipped with advanced software and terminal system to carry out transactions on BSE and NSE exchanges.
Portfolio Management Services (PMS)
Portfolio Management Services is an investment avenue by which one can make investment in Equity Shares and Fixed Income Instruments with a customization according to the aspirations of the investor. We act as advisors and distributor for the best of Portfolio Management Services available in India. We facilitate our clients to select the right Portfolio Management Services option from the various options available and monitor its performance from time to time.
Initial Public Offer (New Issue of Shares)
At the time of launching of an IPO, there are opportunities to create arbitrage/gain because some IPOs are offered at a price which is lesser than the price at which the securities are expected to be listed. We guide you of such IPOs that are potentially attractive because of lower price offerings.
Real Estate Service
Real estate has emerged as a major area of interest and attraction for all in the economy. In an endeavor to provide broad based financial services to its client the company offers real estate related services over and above the other financial services. We provide the following Real Estate Services.
Real Estate Portfolio Management Services (RE-PMS):
Now a days we can invest in real estate through structured real estate product like Real Estate Portfolio Management Service (RE-PMS). It is investment vehicles that are used by its subscribers to gain from the Real Estate projects and/or Real Estate linked securities (Equity or Debt) investment.
This Investment tool is like Equity Portfolio Management Service (Equity PMS). In Equity PMS the manager invests in direct equity and in RE-PMS the manager invests in a project of real estate. Some real estate PMS invest in bonds/instruments secured by property instead of actually owning property as it involves risk due to volatility in property prices.
Real Estate Investment Trusts (REITs) & Infrastructure Investment Trust (InvITs):
This is another form of structured real estate product to invest in Real estate trough very reputed institutes and companies and high end real estate projects.
Real Estate investment Trusts (REITs) and Infrastructure Investment Trusts (InvITs) are mutual fund like institutions that enable investments into the real estate sector or in the infrastructure sector, respectively, by pooling small sums of money from multitude of individual investors for directly investing in real estate properties or in the infrastructure sector, respectively, so as to return a portion of the income (after deducting expenditures) to unit holders of REITs or InvITs, who pooled in the money.
Generally Real Estate investment Trusts invests in properties which are fetching good rental income and also have growth potential. Same way Infrastructure Investment Trusts invests in good infrastructure projects like roads, bridges etc., where regular income can be earned.