We help individuals plan their financial needs. We also explain various avenues in which individuals based on their risk appetite can invest. Further, we have after enormous research and experience designed automated products that can help you generate good returns on your investments.

All the Asset Management Companies (AMCs) in India don’t allow NRIs especially from US and Canada because of the cumbersome compliance requirements under Foreign Account Tax Compliance Act (FATCA) in these countries. However following fund houses do accept investments from NRIs from US and Canada - Birla Sun Life Mutual Fund ICICI Prudential Mutual Fund UTI Mutual Fund SBI Mutual Fund IDFC Mutual Fund Reliance Mutual Fund Sundaram Mutual Fund L&T Mutual Fund DHFL Pramerica PPFAS mutual fund ICICI Prudential Mutual Fund.

Non-Resident (External) Rupee (NRE) Account - NRE is a rupee bank account from which funds are freely repatriable. It can be opened with either fund remitted from abroad or local funds maintained in NRE/ FCNR accounts, which can be remitted abroad. The deposits can be used for all legitimate purposes. The balance in the account is freely repatriable. Interest credited to the NRE accounts is exempt from tax in the hands of the NRI. Non-Resident Ordinary Rupee (NRO) Account - NRO is a rupee bank account and can be opened with funds either remitted from abroad or generated in India. The amounts in such an account generally cannot be repatriable. However, funds in NRO accounts can be remitted abroad subject to/as per various directives in force at the time of repatriation.

If you start your financial planning early in your working careers it will give you a head start in meeting your financial objectives even earlier. Saving and investment is not the most important priority for many young professionals. While lifestyle is an important consideration for many young people, you should be careful to not build a liability in your personal balance sheet. Economic lessons learnt from the west over the past 2 decades have taught us that we can easily get into debt trap without even realizing. Young people should think long term, because a small amount of money saved now can create wealth for you in the future. The benefit of having a financial plan earlier in your work career will put your savings and investment on autopilot mode, with minimal impact on your lifestyle. You will realize the benefits of early financial planning, when you approach important life goals, like buying your house, funding your children’s higher education, your own retirement etc. Early start can also help you buy adequate life and health insurance at much lower premium as the premiums rise rapidly as your age increases.

It is another important aspect of financial planning. When you have income, you come under the ambit of tax. Tax planning starts when a person starts working and continues almost throughout one’s life, even after retirement. Different investment products are subject to different tax treatments. Financial planning can not only help you save taxes (under Section 80C, Section 80CCD, Section 80D etc.) every year. The benefit of having a financial plan is that it helps you reduce the taxes which you have to pay on your investment income or profit, by saving in various tax planning avenues.

How you invest your savings (debt or equity or real estate), plays a very important role in ensuring the success of your goals. Different asset classes have different risk return characteristics. Too much risk can result in loss of money, while too little risk may prevent you from meeting your long term financial objectives. While drawing your financial plan the emphasis is on Asset allocation which is the process of balancing your risk and return objectives. It is one of the most important aspects of financial planning. You can reap rich benefits if you just follow the provided guidance on asset allocation in your financial plan. Asset allocation is the only sure shot way for you to meet your short term, medium term and long term financial objectives.

Mutual fund is a financial instrument which pools the money of different people and invests them in different financial securities like stocks, bonds etc. The Asset Management Company (AMC), i.e. the company which manages the mutual fund raises money from the public. The AMC then deploys the money by investing in different financial securities like stocks, bonds etc. The securities are selected keeping in mind the investment objective of the fund.

Mutual fund is a financial instrument which pools the money of different people and invests them in different financial securities like stocks, bonds etc. The Asset Management Company (AMC), i.e. the company which manages the mutual fund raises money from the public. The AMC then deploys the money by investing in different financial securities like stocks, bonds etc. The securities are selected keeping in mind the investment objective of the fund. Each investor in a mutual fund owns units of the fund, which represents a portion of the holdings of the mutual fund. On an on-going basis, the fund managers will manage the fund to ensure that the investment objectives are met. For the services the AMCs provide to the investors, they incur expenses and charge a fee to the unit holders. These expenses are charged against proportionately against the assets of the fund and are adjusted in the price of the unit. Mutual funds are bought or sold on the basis of Net Asset Value (NAV). Unlike share prices which changes constantly depending on the activity in the share market, the NAV is determined on a daily basis, computed at the end of the day based on closing price of all the securities that the mutual fund holds in its portfolio.