OUR INVESTMENT APPROACH - ACHIEVE VALUE & GROWTH
FINANCIAL PLANNING
Financial planning is the process of assessing the current financial situation of a business to identify future financial goals and how to achieve them. The financial plan itself is a document that serves as a roadmap for a company's financial growth
Family Financial planning is a process of meeting the future goals of your family on a priority basis. The whole approach will get your finances in order and set your finances on a right path to achieve the financial goal
Asset Care Advisory is quick to spot an opportunity for investment into listed and unlisted equity & property
At our company, our primary goal is to secure your assets through comprehensive insurance solutions and expert guidance. We are dedicated to ensuring that your investments yield profitable returns, providing you with peace of mind and financial stability. Trust us to navigate the complexities of asset protection, so you can focus on what truly matters.
Make profitable investments & feel secure
INVESTMENTS
The investment process includes asset allocation and diversification, evaluating risk factors, and setting goals while continuously monitoring and refining an effective investment strategy
Life insurance and general insurance policies are essential components in this process, offering financial security and effective risk management
There are various types of investments like bonds, real estate, fixed deposits, ULIP, ETF, PPF, annuities, mutual funds, savings account, alternate investments and equity shares
Equity shares are highly liquid investments, meaning they can be easily bought and sold on stock exchanges. This liquidity is a significant advantage, as it allows investors to quickly convert their shares into cash
Real estate in the form of a loan taken by an individual to purchase a property may be a good investment, if there is value for same in the next decade. It is typically considered an illiquid asset, implying that it takes longer to sell and convert to cash
Fixed deposits and mutual funds are considered as a highly liquid investment
Pay your insurance premium on time
INSURANCE
Life Insurance can be defined as a contract between an insurance policy holder and an insurance company, where the insurer promises to pay a sum of money in exchange for a premium, upon the death of an insured person or after a set period.
A non-life insurance policy, or a general insurance policy, is essentially any kind of insurance policy other than a life insurance policy. Such insurance covers you from the financial damages associated with car accidents, natural calamities that could strike your home or business, or any kind of theft that might take place in your home or office premises There is an insurance policy for almost everything that could go wrong in life.
A health insurance policy is a contract between an insurer and an individual or a group of individuals in which the insurer agrees to provide specified health insurance cover at a particular “premium”. Insurers for health are General Insurance companies & Standalone Health Insurance companies
Policy holder, Life assured, Nomination, Assignment, Insurable interest, Maturity benefit, Proposer, Beneficiary, Compulsary excess, Add on covers, Riders, Proximate cause, Deductible, Depreciation reimbursement, Theft & burglary, Ombudsman, Surveyor, Total loss and partial loss, First loss basis, Reinstatement value & Market value, Earned income and unearned income are some important terms of reference for your insurance proposal and policy document
Insurance Regulatory & Development Authority of India (IRDAI) is a statutory body formed under an act of parliament IRDA Act, 1999 for overall supervision & development of the insurance sector in India
Equity shares & liquid assets
EQUITY
Equity issued by companies are mainly ordinary, preference, redeemable preference, convertible preference and treasury shares that represent ownership in a company and are an essential aspect of the corporate world
A private placement is a way to raise money by selling stocks or bonds to a small group of investors as opposed to the broader public. Without going through the time-consuming and expensive process of a public offering, this might be an effective way for businesses to generate money
An IPO, or initial public offering, is the term for the first time that a private company sells shares of its stock to the public on a stock exchange. The event means that the company has transitioned from private to public ownership, which is why an IPO is often referred to as "going public." It's an opportunity for a company to raise significant capital—to help it fund new growth, for example, or pay off debt. It allows private investors, like founders, angel investors, and family members, to cash out, often realizing gains on their investment
Promoter shareholding is the percentage of shares owned by the company's promoters. The promoters are the company's founders, who hold a majority stake in the company's capital. They occupy many seats on the company's management committee
Public shareholding encompasses all the shares held by entities other than the promoters. It includes retail investors, institutional investors, foreign investors, and other non-promoter shareholders. The distribution of shares among the public is a critical aspect of the shareholding pattern
A shareholding pattern refers to the distribution of a company's equity among different classes of shareholders and defines the promoter shareholding and public shareholding The shares held by public have various categories - Domestic Institutions include mutual funds, banks, alternate funds, pension funds and insurance companies - Foreign Institutions include FPI, FII and foreign banks - Central Government or State Government - Non Institutions include subsidiary companies, corporate bodies, resident individuals and others
Loans ~ the purpose
LOANS
An advance of funds from one party called the creditor to another party called the debtor for a period of time is defined as a Loan. The funds can be advanced for an agreed period or be repayable upon demand & Interest is usually paid on the advance which can be secured or unsecured
A secured loan is backed by collateral, meaning something you own can be seized by the bank if you default on the loan. An unsecured loan, on the other hand, does not require collateral. Unsecured loans are the standard option among personal loan lenders
Secured Loans like home loan, business loan, loan against property, professional loan and others may help you achieve your financial goals if the loans are utilized as the purpose declared to the lender and honestly serve the purpose of growth in your business or capital
An Unsecured Loan is a loan that does not require you to provide any collateral to avail them. It is issued to you by the lender on your creditworthiness as a borrower & hence, having an excellent credit score CIBIL is a prerequisite for the approval of an Unsecured Loan
A lender is defined as a business or financial institution that extends credit to companies and individuals, with the expectation that the full amount of the loan will be repaid. The lender earns interest on the credit, which is charged at a specific percentage of the total amount of loan extended to the borrower, who must repay the amount borrowed, plus the interest agreed upon in the contract, within a predetermined time frame
There are innumerable lenders in the market and various Banks & NBFC's that offer loans to individuals and MSME's for a specific purpose declared by the applicant for a loan and they do face a default - Default is the failure to make required interest or principal repayments on a debt, whether that debt is a loan or a security. Individuals, businesses, and even countries can default on their debt obligations Default risk is an important consideration for creditors
Loans may help borrowers in asset creation if taken for a specific purpose and used effectilvely, while ensuring that all repayments are made on time to the lender
Real Asset ~ Financial Asset ~ Goodwill
ASSET
In financial accounting, an asset is any resource owned or controlled by a business or an economic entity. It is anything, tangible or intangible, that can be used to produce positive economic value. Assets represent value of ownership that can be converted into cash
A financial asset is a liquid asset that gets its value from a contractual right or ownership claim. Real assets are physical assets that have an intrinsic worth due to their substance and properties. Real assets include precious metals, commodities, real estate, land, equipment, and natural resources.
Purpose: Real assets are used to produce goods and services to generate revenue. Financial assets generate income or wealth among investors which are used to purchase real assets
Real assets are physical assets that have an intrinsic worth due to their substance and properties. Real assets include precious metals, commodities, real estate, land, equipment, and natural resources. They are appropriate for inclusion in most diversified portfolios because of their relatively low correlation with financial assets, such as stocks and bonds. Although they are lumped together as tangible assets, real assets are a separate and distinct asset class from financial assets. Unlike real assets, which have intrinsic value, financial assets derive their value from a contractual claim on an underlying asset that may be real or intangible.
For example, commodities and property are real assets, but commodity futures, exchange-traded funds (ETFs), and real estate investment trusts (REITs) constitute financial assets whose value depends on the underlying real assets.
Brand assets are design and marketing elements that convey a business identity and are easily recognized by consumers. They promote a quick association and help set a brand apart from its competitors. Goodwill is an intangible asset (an asset that's non-physical but offers long-term value) which arises when another company acquires a new business. Goodwill refers to the purchase cost, minus the fair market value of the tangible assets, the liabilities, and the intangible assets that you're able to identify. Goodwill is not only an intangible asset but also a capital asset. The value of goodwill refers to the amount over book value that one company pays when acquiring another. Goodwill is classified as a capital asset because it provides an ongoing revenue generation benefit for a period that extends beyond one year.
Care for Somebody ~ Care for Something
CARE
Care for Somebody
Look after somebody so that he or she has what they may need for their health and protection
Care for Something
Look after something that you select, which may be owned by you or your parents or by the responsibility you may have due to your employment or business or commitment to an individual or a corporate
Care because you are employed
Care because it is your business
Care because you are committed
Just taking care, as an action, is a feeling of fulfillment in ones life.
CARE for somebody or something is a very natural feeling for every individual and any family
Care for your self
Care for your family
Care for your business
Care for your employer
Care for your wealth
THE WEALTH OF THIS WORLD IS NOT IN THE GROUND, IT IS ALL AROUND US
A belief that the true value and wealth of the world lies not in the resources that can be extracted from the ground, but in the natural world & its interconnectedness, beyond the tangibile resources, emphasising an environmental message, suggesting that humanity should respect and protect the natural world rather than exploit it for short-term gain.