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 minimize 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, which includes relationship personnel, research and back office analyst, back office operations 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.

TAX FREE BONDS: Tax-free bonds are types of goods or financial products, which the government enterprises issue. It offers you a fixed interest rate, at a low-risk investment avenue. As the name suggests, its most attractive feature absolute tax exemption. This is as per Section 10 of the Income Tax Act of India, 1961. Tax-free bonds generally have a long-term maturity of typically ten years or more. Government invests the money collected from these bonds in infrastructure and housing projects.

NON CONVERTIBLE DEBENTURES (NCD): Investors are forever on the lookout for improved and more sustainable schemes. The market volatility, sometimes, even makes traditional and trusted investments lose their sheen. Here, Non Convertible Debenture or NCD proved to be a dark horse when they started delivering smaller but steady returns over time.

Like traditional corporate FDs, NCD too is a fixed-income investment with a specific term and interest income. Companies issue them to raise funds, and evidently you cannot convert it to equities. To make up for this limitation, investors enjoy supreme returns, liquidity, low risk and tax respite as opposed to convertible debentures.

PERPETUAL BONDS: A perpetual bond is a fixed income security with no maturity date. One major drawback to these types of bonds is that they are not redeemable. Given this drawback, the major benefit of them is that they pay a steady stream of interest payments forever. A perpetual bond is also known as a “consol” or a “perp.

Equity PMS: Portfolio Management Services are ideal for High Net Worth Individuals or Institutions who wish to opt for personalized management of their finances. A team of expert professionals conduct extensive research on markets to provide a customized solution for achieving unique investment objectives. This ensures the optimal selection of investment opportunities within an asset class and active monitoring for optimized results. Investor can review their portfolio at any time to see the progress of returns and present values.

RE-PMS: Now a day we can invest in real estate through structured real estate product like Real Estate Portfolio Management Service (RE-PMS) that is invested in bonds/instruments secured by property instead of actually owning property as it involves risk due to volatility in property prices. RE-PMS 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 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.

For more details and assistance you can contact us or review Mutual Funds FAQ and Why Mutual Funds.

Knowledge Center

What is a Mutual Fund ?

A Mutual Fund is a body corporate registered with the Securities and Exchange Board of India (SEBI), that pools up the money from individual / corporate investors and invests the same on behalf of the investors /unit holders, in equity shares, Government securities, Bonds, Call money markets etc., and distributes the profits. In other words, a mutual fund allows an investor to indirectly take a position in a basket of assets

Which was the First Mutual Fund to be set up in India ?

Unit Trust of India is the first Mutual Fund set up under a separate act, UTI Act in 1963, and started its operations in 1964 with the issue of units under the scheme US-64

Which are the other institutions that have floated Mutual Funds in India ?

Currently public sector banks like SBI, Canara Bank, Bank of India, institutions like IDBI, GIC, LIC Foreign Institutions like Alliance, Morgan Stanley, Templeton and Private financial companies like Kothari Pioneer, DSP Merrill Lynch, Sundaram, Kotak Mahindra etc. have floated their own mutual funds

How many Mutual Funds are there in India currently ?

Presently there are 33 Mutual Funds in India and close to 400 mutual fund schemes. We will very soon be putting up detailed analysis of major schemes operating in India.

Why has the concept of mutual funds taken so long to pick up in India ?

Even in the US the concept of mutual funds has started picking up only in the last decade. This whole process of investor education and investor awareness takes a lot of time. But Indian investors are now beginning to understand the benefits of investing through the mutual funds route and hence the collections are beginning to pick up.

Enable investment of a fixed sum at periodical intervals for a fixed term in a chosen scheme. This can be automated by either giving post dated cheques to the mutual fund house or standing instructions to your bank.

Using SIP, investment can be made over a period of time to build a corpus…

Further you are able to lower the average purchase price over time.

An illustration to explain the concept of Rupee-Cost Averaging

Date Amount invested (`) NAV (Rs) Units purchased
1-Jan-09 5,000.00 13.2816 374.461
1-Feb-09 5,000.00 14.1634 353.023
1-Mar-09 5,000.00 12.5871 397.232
1-Apr-09 5,000.00 11.9253 419.227
1-May-09 5,000.00 13.9844 357.541
Total 25,000.00 1,903.533
Average purchase price Rs. 13.1335

WHY MUTUAL FUNDS:

Mutual fund is a pool of funds (money) brought together from investors sharing their common goal, and invests into various asset classes.

Here are the benefits of investing in mutual funds:

Economies of scale

It indirectly lets you invest into large ticket size instruments like Government Bonds which otherwise are unavailable to retail investors.

Liquidity

You can buy/sell Mutual Funds by simply approaching the Fund House, MF Distributor, or even by Transacting Online.

Investing Through Advisors

Advisors help you buy Mutual Funds after detailed research on Schemes and Market.

Tax Benefits

Investing in ELSS (Equity Linked Saving Scheme) Mutual Funds investor can get the dual benefit of Savings on Taxes of upto Rs. 150,000 with lowest lock in period and higher returns on investment compared to Bank FD, PPF, NSC and Other Tax Saving Investment Options.

Mutual fund Classification

Mutual Funds can be classified on two parameters – Structure and Investment Objective.

Structure

Mutual funds schemes can be either Open-Ended, Close-Ended or Interval Schemes.

  1. Open-End Funds:

Purchase and sale of unit can be undertaken any Open-Ended time (in Business Hours) on any business day at prevailing NAV.

  1. Close-End Funds:

Units can be purchased only during the NFO and Close-ended redeemed only on a specified date. In the interim, units can be traded on the stock exchange.

  1. Interval Schemes:

Presently, Interval Schemes can be purchased and redeemed at fixed intervals at the fund houses. With effect from 01st Apr, 2011, the units shall be listed and available for trading on exchange(s). However, the same shall be purchased/redeemed at the fund houses during the specified transaction period.

Portfolio

Mutual funds can invest in various investments ranging from treasury bills to companies listed overseas. Based on the underlying portfolio, mutual fund schemes can be broadly classified as:

  1. Equity Based Schemes.
  2. Debt Based Schemes.
  3. Balance Schemes (Equity + Debt).

 

  1. Equity Based Schemes:

Equity oriented schemes can be further classified.

  1. Debt Based Schemes:

Debt oriented schemes can be further classified.

  1. Debt Based Schemes:

A balanced or hybrid provides a one-stop investment mix by investing in a mix of debt and equity instruments. In India, the Best Balanced Mutual Funds typically invest 50% to 70% of their portfolio in stocks and the remainder of their resources in bonds and other debt instruments.

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