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What are most important things to watch before investing. There are 4 major components one need to watch out for before taking any investing decision.
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#4 Critical Things to check before
Investing
1Risk
Step 1- Check the Risk of investing ofProduct against the expected returns.
Step 2-Check your Risk Attitude andRisk Capacity
Step 3- Compare the Risk of productwith Personal Risk Profile
Investment
RiskCapacity
Risk Attitude Returns
2 Return
Step 1- Check the Historical Returns ofthe Various investment Options
Step 2- Estimate the expected returns forfuture period.
Step 3- Build a portfolio with all productsin a proportion, which gives ExpectedReturn with Acceptable Risk
Step 4-Check the Hidden Charges ofproducts before investing
8.0%
19.0%
27.0%
5.0%
21.0%
35.0%
7.5% 8.0% 7.5%
2.3%
-11.5%
-3.7%
-20.0%
-10.0%
0.0%
10.0%
20.0%
30.0%
40.0%
2013 2014 2015
Returns on different Products
Shares Mutual Fund Fixed Deposit Gold
Source: AdviseSure Research
3Tax on Returns
Tax on Income can take major chunk of the returns.
Income from Products like shares and Equity mutual funds is Tax Free if sold after one year
This makes it necessary to check the taxes on the returns earned from various products
Equity Mutual Funds
Debt Mutual Funds
Fixed Deposit Tax on Interest as per Tax Slab of Investor
Tax free if Sold after 1 year. 15% tax in case sold within 1 year of PurchaseShares
Bonds
Tax free if Sold after 1 year. 15% tax in case sold within 1 year of Purchase
10% Tax if Sold after 3 years. If Sold within 3 years then as per Tax Slab of Investor
Tax on Interest as per Normal Income Slab
For Detailed Analysis refer our Taxation page
4Liquidity
Liquidity means easy to sell a particular product A portfolio should consist of the right mix of liquid and less liquid products. Less liquid provide
greater returns whereas as liquid ones may provide less returns in the short run Some part of your investments should be kept in liquid fund or maintained in your savings
account to meet contingencies
Bank Fixed Deposit
Saving / Current Bank Account
Corporate Fixed Deposit
Highly Liquid
Property
Equal to cash
Moderate Liquid
Illiquid
Debt / Equity Mutual Funds
Highly Liquid
Shares/Gold Highly Liquid
Risk ProfilingKnowing-
Risk Capacity- How muchRisk you can afford to take
Risk Attitude- How muchRisk you want to take
Financial GoalsKnowing-
All Financial Goals of the life
The Inflation adjustedamount required to meetthem
Right Portfolio
Investment Products rightas per risk profile
Portfolio which is taxefficient
Buy/ Sell
With least Brokerage &Commission
With Nil hidden costs
Regular Monitoring
Of Portfolio and Markets
Rebalance Investmentswhen required
1 2 3 4 5
Right Process
Advisory Fees Rs. 365 Per Annum
Customized , unbiased Wealth Management
@Rs. 1 per day
Customized advise only for you
Unlimited Long Term Investment Advise
Tax efficient portfolio design
No Minimum investment
Regular Review and Rebalancing
Substantial Savings in Commission (Optional)
We Offer
Wealth Creation Advice
Monthly Savings Advice
Tax Saving Investments
Portfolio Restructuring Advice
Goal Planning Online Transaction
In case you want to invest Lump Sum
In case you want to invest On Monthly basis
In case you want to Make Tax Saving Investments
In case you want to Buy and Sell any product
In case you want to Plan your Financial Goals
If you want to Restructure your portfolio
What You get@ Rs 1
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Multiproduct
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