Plan with us

We all need Retirement planning as every individual is expected to live longer as medical technology has advanced , so start planning early .

Start systematic investment plan only with proper financial planning and exit once your goal is achieved

Mutual funds also offer funds investing in shares of international gold mine companies .

Mutual funds also offer you Hybrid equity funds which invest majorly 60% in shares and 40% in debt and also are considered best as risk category is moderate and Long term capital gains tax after one year is NIL .

National Pension Scheme will help you to save tax over and above 1,50,000 ( which is limit in Sec 80 C ) , However we suggest only to those who are in high tax bracket .

Mutual funds also offers you sectoral / thematic funds . These funds invest majorly in equity shares of particular sector like Banking , Pharma , Fast moving Consumer goods , Infrastructure etc .

Hybrid Debt conservative funds offered by various Mutual fund AMCs are best suitable for investor for a time horizon of 3 years and also post tax withdrawal returns in these funds after three years are comparatively higher than post tax withdrawal returns in Fixed deposit .

Liquid Funds offer by Mutual fund companies offer better return as compared to saving account , Over the past one year average returns in liquid funds is 9% .

Every Customer should plan their finance as follows.
1) Priority 1 -Retirement Planning through SIP and Online Term Plan, Mediclaim
2) Priority 2- Emergency Corpus and Children Higher Education.

Once the above goals are completed , Customer should then plan for another needs like Home , Car etc .

Home Loan , Personal Loan , Car loan occupies maximum budget of customer , and also prevent them for saving for their retirement as very less budget is available for the customer to invest in Mutual Funds/SIP .

Financial Planning through Mutual Funds .

1) Large Cap Funds - invest for 5 years .
2) Small Cap Funds - Invest for atleast 7 years
3) Hybrid Equity Funds - Invest for atleast three years .
4) Hybrid Debt Funds - Alternative for Fixed deposit , holding period 1.5- 2 years.
5) Liquid funds - alternative for saving bank account

Debt oriented funds can offer better tax free withdrawal returns than Fixed deposit .