Services
Wealth Management
- Services provided under WM in brief
- Detailed description of services in WM
- Investment options available with Tipsons
- Structured Products
Services provided under WM in brief
- Assessing the client’s current financial Health
- Systematic arrangement of finance for the client’s long term & short term goals like- Buying a house, car / Education & marriage of children/World tour etc. & also making provision for contingencies
- Advising client the best investment opportunity depending upon
- Return expectation
- Risk appetite
- Horizons
- Current investment
- Advising & planning one’s tax related matters in connection to investment planning
- Reviewing portfolio regularly and suggesting any changes according to the market scenario
Detailed description of services in WM
- Assessing the client’s financial health – through analysis of current financial context. This includes the income, expenses and net worth (assets and loans).
- Understand customer’s current investments across debt, equity, realty, PMS, structured products and other asset classes.
- Helping & advising client to set up Short term & long term goals like
- Buying a house
- Buying a car
- Education of Children
- Marriage of children
- Estimation of the required retirement corpus after detailed discussions with the customer regarding expected post retirement lifestyle and likely sources of other income if any.
- Suggesting the best investment option depending on
- Risk taking ability, return expectation ,time horizon based on milestones planned above
- Evaluate the existing investments across different asset classes
- Recommend an asset allocation suitable to customer needs and designed to meet objectives laid out in the Financial Plan
- Recommend specific mutual fund schemes, debt instruments, equity ideas within each asset class
- Execute the transactions to achieve the targeted asset allocation and hence the Financial Plan objectives
- Execute the transactions from time to time.
- Recommend changes in mutual fund schemes where the performance is not up to the mark.
- Suggest investment themes and ideas from time to time – covering sectors, new fund
- Planning for the reduction of tax liabilities and the freeing-up of cash flows for other purposes
- Planning for contingencies and advising the client suitable term plan mediclaim & other general insurance product
Investment options available with Tipsons
- Bonds (Primary & Secondary)
- Taxable Bonds
- Includes Bonds of Central / State Government Guaranteed, PSU , PFI, Private etc
- Less risky instrument
- Available in tenure starting from 1 year to Perpetual
- Tax free Bonds –Suitable for person coming under higher tax bracket (20% & 30% )
- Capital Gain Bonds (54 EC Bonds)- Assesses have the option of not paying any long-term capital gains tax by investing the profit capital gains bonds with a stipulated time period. Capital gains bonds are issued by specified institutions and tax benefits are available under Section 54EC of the Income Tax Act.
- Deep Discount Bonds (Cumulative Bonds)
- Taxable Bonds
- Fixed Deposit
- Corporate FD
- State Guaranteed FD
- Mutual Fund
- Equity MF
- Debt MF
- Liquid Schemes
- Fixed Maturity Plan (Close Ended)
- Balanced MF
- ETF
- Gold ETF
- PSU ETF (RGESS-80CCG)
- Equity Linked Savings scheme (Deduction U/S 80C)
- CRPS (Compulsory Redeemable Preference Shares)
- Inflation Indexed Bonds
- Interest rate Futures
- Insurance Products
Structured Products
- Commodity Arbitrage Product
- Real Estate
- Gold