Investment Service in Borivali, Mumbai

Whenever you think of making investment, three things should come on top of your mind – Risk Profiling, Products and Asset Allocation. Along with these – cash-flow situations, investments already made, net-worth and  are equally important to consider before deciding where should your hard-earned money get invested into. RISK PROFILING –  Knowing ourselves well is more important than choosing products first. Risk Profiling helps in doing that. By carefully answering a well-researched set of questionnaires, your risk appetite can be known. This may not remain constant forever with changing dynamics of micro and macro-economic factors. Hence, it is important to go back and re-assess after regular interval. PRODUCTS –  There are many investment products available in the market. The first check should always be that the product must be regulated by a govt. appointed regulatory body. Next, you must consider the suitability. All products are good in their own context and with a certain section of investors. Whether the same suits you or not, depends on your risk profile, investment horizon, liquidity needs and taxation aspect. Also, there are certain products which cater only to a particular section of society, e.g. resident individuals, senior citizens, girl child etc. ASSET ALLOCATION – We should not put all eggs in one basket i.e. not all our money in one single investment product or category. Distributing our investments into poorly correlated asset classes often saves us from big losses and is expected to generate a steady return. Asset allocation must be re-aligned or re-allocated at regular intervals. There are investment products available which aim to inculcate this very principle of asset allocation in the way they are managed. Otherwise, custom asset allocation can always be done.

NPS INVESTMENT---   The National Pension System (NPS) is a retirement savings plan that allows individuals to contribute to their pension account while they are working. The goal is to build a pension fund that can provide a regular income after retirement.    Here are some things to know about NPS:    Eligibility NPS is available to all Indian citizens between the ages of 18 and 70, including those living abroad. It is mandatory for Central Government employees who started working on or after January 1, 2004, with some exceptions. Many State Governments have also adopted NPS for their employees.    Contributions Individuals can contribute to their NPS account, and their employer can also contribute on their behalf.    Account opening When an individual opens an NPS account, they receive a unique Permanent Retirement Account Number (PRAN).    Withdrawals Individuals can make partial withdrawals from their NPS account up to three times during the account's lifetime. They can withdraw up to 25% of their contributions at any time, excluding employer contributions.    Phased withdrawals Subscribers can choose to withdraw their lump sum amount in phases over a period from age 60 to 75.    Tax efficiency NPS is a tax-efficient way to save for retirement.    Risk tolerance NPS may be a good option for people who are willing to take moderate risks and seek higher returns.

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