With the growing complexity of retirement, more and more people are getting concerned about retirement and its planning. Once you have passed the working age, it becomes difficult to mend the expenses. During such times, careful retirement planning is the need of the hour, which can undoubtedly make your retirement period a golden era as it should be.

Regardless of your age, it is never too early or too late to begin looking after your money. Visions of retirement vary from person to person and include such things as relaxing full time, travelling, pursuing a hobby and maybe even working part-time.

Retirement planning involves organising your assets and savings into a plan that will meet your goals for retirement. Taking into account your needs, time-frame and goals, we identify and help you make informed decisions on a number of personalised strategies that will maximise your wealth for retirement. We can further help you with Self-Managed Funds (SMF), which can give you greater flexibility, investment choice and control over your superannuation.

The planning of retirement is equally considered to be planning for a lifetime. At the time when you are hale and hearty, planning about your retirement is the only thing, which keeps your old age financial woes aside. Regardless of your age, the relevance of retirement turns out to be extremely essential for the remaining golden years of your life.

If you are confused about your retirement and are finding it difficult to think in advance then consult us today. Under the assistance of our finest personnel, we will not spare our self in any way to solve your retirement related worries.

Having investment does not mean that you are ready for retirement or for solving business crisis or for college funding. Do remember that the absence of investment planning would in no way turn out to be good for your financial wellbeing. The primary key, which focuses on your investment planning, includes a set of your own favourable goals. You are the only one who can best focus on your goals. Many still live with the assumption that investing while only having huge funds would alone work. It is not about how much you save, it is about how you do plan to save.

The basic key to do this is to invest by having your goals conscious in your mind, that’s it. Just the habit of managing your investment can lead you towards the best investment planning.

When it comes down to developing an investment strategy you have two broad choices. The first is based on trying to predict when investments are going to move up or down and the second is based on the view that it is impossible to consistently and accurately predict these moves.

We have always adopted a prudent and disciplined investment strategy with a strong focus on quality rather than speculation, and therefore our advice and strategies are designed to ride through all market cycles, the good and the bad, and remain intact over the lifetime of our clients.

Our investment philosophy is based upon high calibre research performed completely independently of banks, insurance companies and finance houses. We also have our own in-house investment committee to analyse and act on the information we receive to ensure it is consistent with your needs.

We believe you make money by not losing it. Our investment process is anchored by a number of core beliefs about investment markets, in particular:

Time – Financial market returns are unpredictable in the short term, but more reliable over longer periods. Good investments need time, so discipline – not emotion – must drive investment decisions.

Diversification –Returns associated with any single investment are highly uncertain, but are generally more predictable across a wider range of assets. Consequently, we favour investments in broadly diversified portfolios to ensure that you capture the long-term wealth creation potential of investment markets.

Fundamental value and quality –Market prices can often stray significantly from their fundamental value. Because of this, we design portfolios that can be orientated toward investments that exhibit potential real value. Our focus is on maintaining well-researched portfolios of high-quality assets. To ensure our approach is adhered to, we employ top researchers and investment managers.

We recommend creating a budget and track your day to day expenses. Pay off your existing debts, design a well disciplined investment plan that includes saving for a rainy day and ensure your wealth is well managed.

Rather than concerning about your low capital, it is good to create a budget and track your day to day expenses. Some of the other factors including paying off your existing debts, designing a well-disciplined program, saving for your rainy days through a well-studied investment plan direct on your overall wealth management.

Insurance is an important element of a sound financial plan. It is required to protect ourselves and our family from unfortunate events and accidents that may occur in the form of accidents, disability, illness and death.

We work with you to identify your risks and implement a cost-effective risk management program that has been developed with your specific circumstances and requirements in mind. Insurance recommendations provided by us include:

• Life Insurance
• Health Insurance
• Personal Accident Insurance
• Income Protection Insurance
• Child Cover

If you have existing insurance arrangements, it is important to realise that both over-insuring and under-insuring can be costly. Your authorised planner will review these arrangements and ensure that you are appropriately covered.

The lost earnings can be experienced with the death, disability, estate settlement costs and its clear impact is seen in the financial well being. Thus by seeking assistance with insurance planning one can receive extensive relief in one’s overall financial status. Planning for covering all possible risks through insurance always turns out to be fruitful as well as satisfactory for each one of us.

Instead of considering insurance planning as an absolute tool and an integral part of financial planning, we misunderstand and perceive insurance as an investment tool. Insurance is meant for and to secure ourselves and our families for the unintended. Already where our daily lives remain unpredictable with uncertainties including an absolute loss of income, critical illness or even with a disability, why not look forward to the attainment of excessive peace of mind through an effective insurance planning technique.

Create a legacy that provides for your family, supports the causes and charities you care about, and maintains your values and vision across future generations. Our experienced Estate and Trust professionals provide advice on tax-efficient wealth transfers, with a view in helping you:

• Review your existing estate planning documents
• Integrate your estate plans with tax, investment, business and insurance planning
• Manage the issues associated with a sizable inheritance
• Identify the most beneficial trust structures for your particular needs
• Use tax-efficient wealth-transfer strategies
• Carry out your philanthropic goals
• Coordinate with legal counsel to modify your estate planning documents so they accurately reflect your wishes
• Advise on business succession strategies
• Support family wealth education
• Managing Fiduciary Relationships with Care and Discretion

Planning is the key to successfully and legally reducing your tax liability. We go beyond tax compliance and proactively recommend tax saving strategies to maximize your after-tax income.

Our consultants make it a priority to enhance their mastery of the current tax law, complex tax code, and new tax regulations by attending frequent tax seminars. Businesses and individuals pay the lowest amount of taxes allowable by law because we continually look for ways to minimize your taxes throughout the year, not just at the end of the year.

With the growing complexity & diversity of available options for tax planning purposes, it is important that we critically examine and bring across to you the new generation options available for investors in the present investment market.

There are various provisions in the Income Tax Act to save tax. The saving schemes one should opt. For would depend on the persons income and the tax bracket he / she is in.

In other words investing in Equity Linked Savings Scheme may result in greater savings for one person while investing in PPF may result in better tax saving for another person. The Tax saving strategy should be finalised on an individual basis after discussion. For tax saving point view, the suitability of a scheme depends on which income tax slab one is in.

There are certainly attractive avenues in India, where NRIs obtain the freedom of investing in diversified asset allocation and significantly build up their investment portfolio. India is emerging as a fastest growing investment destination for NRIs.

NRIs can now invest into investment vehicles by saving into:

Mutual Funds:

Mutual funds are known for its simplest ways of investing in increasingly complex financial markets. The reason why mutual funds are so popular is that it comes with flexibility, affordability, diversification, liquidity, low costs and regulated investor protection facilities.

Bank Fixed Deposits:

Fixed deposit facility (FD) evolve as being the safest investment options in India as it is meant to generate stable income for an ideal investment period of 6-12 months. These facilities come in the form of FCNR, NRO and NRE deposits.

Real Estate:

Reserve Bank has granted general permissions to financial institutions to provide housing finance loans to NRIs.

Shares:

Either directly subscribing to shares and debentures on a repatriable or non- repatriable basis, or through portfolio investment scheme NRIs are allowed to invest in both shares and stock.

Rules for NRIs to Invest:

As per the Section 2(V) of Foreign Exchange Management Act 1999, NRI is a person

• Who resides outside India or has taken up employment outside India;
• Conducting business activities outside India
• Staying outside India for an indefinite or uncertain time period
• Has been in possession of his Indian passport (provided he is not a citizen of Pakistan or Bangladesh)
• Either of parents or grandparents were Indian citizens (as per the Indian Constitution/Citizenship Act of 1955)