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INVEST IN SOVEREIGN GOLD BONDS (SGB) BUY FROM US AT AN ATTRACTIVE DISCOUNT FROM THE RATES SPECIFIED BY RESERVE BANK OF INDIA.

💫 INVEST IN SOVEREIGN GOLD BONDS (SGB)
BUY FROM US AT AN ATTRACTIVE DISCOUNT FROM THE RATES SPECIFIED BY RESERVE BANK OF INDIA. 💫

Sovereign Gold Bonds are available on resale at an attractive discount of 3% from the rates at which RBI issues the bonds. These discounts vary with different series of SGB. Hence it a very attractive opportunity to avail SGB at a discount if an investor is planning to hold these SGB till maturity.

Moreover there are several advantages of investing in SGB which are as under :

▪️ Investment in Gold without any levy of GST and rate difference on buying & selling.

▪️ Interest income @ 2.5% p.a. along with investment in Gold.

▪️ Tax Free gain on investment in Gold when bonds held till maturity.

▪️ Sovereign Gold Bonds issued by RBI are available for resale from us on all the working days.

▪️ Available in the multiples of 1 gms.

▪️ The rate of gold for the purchase of Sovereign Gold Bonds shall be the rate of gold at the time of purchase on the website of India Bullion Jewellers Association (IBJA) less the discount of 3% depending upon the series.

▪️ Eligible Interest rate of 2.5% p.a. paid on semi-annually basis.

▪️ Tenure: Original tenure 8 years, with an option to exit after the 5th year.

▪️ Tradable on the Stock Exchange.

Taxation provisions :

▪️ Interest on these Sovereign Gold Bond is taxable.

▪️ Appreciation (Capital gain) of the amount received on maturity (after 8 years) is tax free.

▪️ Capital Gains on sale in the market is liable to Short Term Capital Gain (on holding below 3 years), Long term Capital Gain with indexation benefit applicable on holding above 3 years.

GRAB THE OPPORTUNITY!

CONTACT US TO INVEST IN SOVEREIGN GOLD BONDS.

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Email: vrm@ashutoshfinserv.com

ASHUTOSH FINANCIAL SERVICES PVT. LTD.
•Investments •Insurance •NRI Services •Income Tax & Estate Planning
www.ashutoshfinserv.com

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MUTUAL FUNDS – SHORT VIDEO

What are Mutual Funds ?

Why invest in Mutual Funds ?

What are the types of Mutual Funds?

What are the ways to invest in Mutual Funds ?

 Why invest in Mutual Funds through ASHUTOSHFINSERV ?

Short video on all the above questions YouTube link provided

Ashutosh Financial Services Pvt. Ltd.

www.ashutoshfinserv.com

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IMPORTANCE OF FINANCIAL PLANNING IN LIFE OF AN INDIVIDUAL – CELEBRATE LIFE WITH FINANCIAL FREEDOM

Lecture delivered by Mr. Jay Vasavada – Renowned columnist & orator on the above subject at an event organized by our company for Indian Medical Association Rajkot.

👉 Please find the below link for the above topic.

https://fb.watch/dM488_E1OK/

Ashutosh Financial Services Pvt. Ltd.

  • Investments •Insurance •NRI Services •Income Tax & Estate Planning

www.ashutoshfinserv.com

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Email: relationship@ashutoshfinserv.com

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SYSTEMATIC INVESTMENT PLAN (SIP) FOR INVESTING IN MUTUAL FUNDS – SHORT VIDEO

What is SIP ?

Why SIP ?

What is the process for starting SIP through ASHUTOSHFINSERV ?

Short video on all the above questions YouTube link provided

Ashutosh Financial Services Pvt. Ltd.

  • Investments •Insurance •NRI Services •Income Tax & Estate Planning

www.ashutoshfinserv.com

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CAPITAL PROTECTION COUPLED WITH GROWTH, AN ATTRACTIVE INVESTMENT STRATEGY

CAPITAL PROTECTION COUPLED WITH GROWTH, AN ATTRACTIVE INVESTMENT STRATEGY.

Combination of Fixed Deposit and Systematic Investment Plans (SIP) in Equity Mutual Funds.

➡️ Concept:

Investors largely invest in Fixed Deposits (FDs) because they want safety of principal. What if, an investment offers safety of principal equivalent to FDs, but relatively higher returns than FDs? The following is the novel investment idea that gives capital protection and growth.

➡️ Three Step Investment Guide:

Step 1: Investment in FDs for 5 years.
Step 2: Choose the option of annual interest payout.
Step 3: Invest the interest income in equity funds every year by monthly SIP.

➡️ Example:

Step 1: Investment in FDs.

▪️ Investment in FDs: Rs. 5,00,000.
▪️ Annual Rate of interest: 6.8 per cent.
▪️ Duration of investment: 5 Years.
▪️ Investment Option: Annual Interest Payout.
▪️ Expected Interest Income Every Year: Rs. 34,000.

Step 2: Annual interest payout.

▪️ On the above FD, expected interest income every year would be Rs. 34,000.

Step 3: Investment of interest income in equity funds every year.

▪️ Invest Rs. 34,000 every year to Equity Mutual Fund – Growth Plan.

▪️ Ideally it can be investment of Rs. 2800 per month in Equity Mutual Fund by way of a SIP by adjusting the cash flow.

➡️ Value of Investment after 5 years:

▪️ Expected Value of Investment in Equity Mutual Fund: Rs. 2,30,962. (Returns assumed – 12 per cent).

▪️ FD Principal Repayment: Rs. 5,00,000.

▪️ Total Value of Investment at the end of 5 years: Rs. 7,30,962.

➡️ Benefits of Investment in Combination:

▪️ Ensures high Safety of Principal (i.e. risk-free investment).

▪️ Investment in Equity Market only through interest income.

▪️ Increased Expected Returns, with minimum risk.

➡️ Analysis:

▪️ INVESTMENT IN FD

Investment Amount: Rs. 5,00,000
Maturity Amount at the end of 5 years: Rs. 6,94,746
Annualized Returns: 6.80%

▪️ INVESTMENT IN COMBINATION

Investment Amount: Rs. 5,00,000
Maturity Amount at the end of 5 years: Rs. 7,30,962
Annualized Returns: 7.89%

▪️ BENEFIT OF INVESTMENT IN COMBINATION: Rs. 36,216

For further details feel free to contact us
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Email: vrm@ashutoshfinserv.com

Ashutosh Investment Services
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ASHUTOSH FINANCIAL SERVICES PVT. LTD.
•Investments •Insurance •Income Tax & Estate Planning •NRI Services
www.ashutoshfinserv.com

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LONG-TERM INVESTING CAN CREATE WEALTH FOR INVESTORS, NOT TRADING IN STOCK MARKET

➡️ In recently published article by Economic Times on 2nd January 2022, founder of India’s largest broking firm Zerodha, Mr. Nithin Kamath has claimed that less than 1% of active traders earn more money than a bank fixed deposit over a 3-year period.

➡️ In the recent times, we have witnessed a sharp rise in number of demat accounts and trading volumes in the stock markets, especially among the youth.

➡️ Many of us indulge in stock trading (buying & selling) with the objective of earning short term profits based on stock tips from various sources in the market.

➡️ Such tips are generally not backed by professional investment research & analysis. Hence, investors often end up losing hard earned capital by placing such trades.

➡️ It is best to participate in the stock market through appropriate investment avenues managed by professionals having sound expertise in that field.

➡️ So invest in good quality:
1. Equity Mutual Funds,
2. Portfolio Management Services (PMS)
3. Advisory stock portfolios
with appropriate asset allocation and taking into consideration your risk taking capacity.

Disclaimer: We do not intend to provide any investment advice in any manner through the above message. It is only a knowledge-sharing exercise in good faith.

Please feel free to contact us
Mobile: +91 73835 30919 / 93773 35959
Email: vrm@ashutoshfinserv.com
Ashutosh Investment Services
A service of
ASHUTOSH FINANCIAL SERVICES PVT. LTD.
•Investments •Insurance •Income Tax & Estate Planning •NRI Services
www.ashutoshfinserv.com  
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Investing in ADVISORY STOCK PORTFOLIOS.

We are aware of Portfolio Management Services (PMS) where a Fund Manager manages the portfolio of equity shares of an investor. Different PMS have different kinds of portfolios like Flexicap, Multicap, Large Cap, Mid Cap, Small Cap or a thematic portfolio. But the minimum investment amount for a PMS has recently increased to Rs 50 lakhs.
ADVISORY STOCK PORTFOLIOS is an option where the minimum amount of investment is Rs. 3 to Rs 5 lakhs and they are advised by some of the best and most successful Fund Managers in the country.
Following are the details of the same :
⭕ There are direct equity stock portfolios offered are constructed by the reputed Investment Advisors like Abakkus Investment Advisors ( Promoted by earstwhile CIO of Reliance Mutual Fund Mr. Sunil Singhania) and Narnolia Investment Advisors.
⭕ These equity portfolios are held in the separate demat account and trading account opened specifically for this investments with a broker connected with the respective investment advisors.
⭕ The account opening process is completely paperless and seamless without any hassles.
⭕ These portfolios are actively monitored on a regular basis and any changes are communicated to the client electronically. The client has to approve the changes normally through a click.
The different stock portfolios offered are on different themes which offer a wide choice to the investors.
⭕ The management fees charged on these portfolios is similar to other investment options. The investor can discontinue the services of these advisory portfolios without any exit load. The portfolio of the investor is already in his own name which he can continue to hold on his own.
⭕ An Investor can make an addition in these portfolios or even withdraw amounts from these portfolios after keeping the minimum investment amount.
Presently the stock portfolios offered are delivering returns outperforming their respective benchmarks.
Please find herewith in separate PDF details of the 5 (Five) different portfolios available.
Narnolia four Investment Advisory Portfolios
Abakkus Smart Flexi Cap Portfolio
Please feel free to contact us on any details regarding the above newly available investment option of investing in stocks directly with a portfolio advised by top quality fund managers of the country.
Please feel free to contact us
Mobile: +91 73835 30919 / 93773 35959
Email: vrm@ashutoshfinserv.com
Ashutosh Investment Services
A service of
ASHUTOSH FINANCIAL SERVICES PVT. LTD.
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LATEST NEWS ON INVESTMENT IN UNLISTED STOCKS OF TOP INDIAN COMPANIES BEFORE IPO

We are pleased to share the latest news in the attached PDF on the unlisted stock of Reliance Retail Ltd and National Stock Exchange Ltd.
Please be in touch with us to buy unlisted stock of top class Indian companies. Investment in unlisted companies is an opportunity to obtain allotment before the IPO which in present times gets oversubscribed heavily.
In order to understand everything about investment in unlisted stocks visit our Youtube presentation which will cover the following aspects :
Why should we invest in unlisted stocks?
✅ How to invest in unlisted stocks?
✅ Which unlisted stocks to invest in?
✅ Regulatory & Tax aspects of investing in unlisted stocks
Links of video
In English language:
https://www.youtube.com/watch?v=-n3CY-xdrHA&t=1s
In Gujarati language:
https://www.youtube.com/watch?v=8nGYA2tAT84&t=117s
Please feel free to contact us for buying the Unlisted Stocks:
Mobile: +91 73835 30919 / 93773 35959
Email: vrm@ashutoshfinserv.com
Ashutosh Investment Services
A service of
ASHUTOSH FINANCIAL SERVICES PVT. LTD.
•Investments •Insurance •Income Tax & Estate Planning •NRI Services
www.ashutoshfinserv.com
Please forward this message to your friends, relatives and contacts who could be interested.
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Disclaimer: We do not intend to provide any investment advice through the above message. It is a knowledge-sharing exercise in good faith.Investments are subject to market risks. Please read all the related offer documents carefully.

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GREAT OPPORTUNITY TO INVEST IN DIGITAL GOLD BONDS LAUNCHED BY RESERVE BANK OF INDIA AT A PRICE LOWER THAN THE MARKET PRICE OF GOLD.

FRESH SERIES OF 2021-22 – TRANCHE 04
At Present, the market price of 10 gms. of Gold is Rs. 47,863/- PM as on 9th july, 2021 and instead the Reserve Bank of India has came up with a series of schemes offering 10 gms. Gold Bonds at the rate of Rs. 47,570/- with (Rs. 48,070-Rs.500 Discount) under the Sovereign Gold Bond Scheme.
Direct benefit of Rs. 293 (47,863-47,570) per 10 gms.
This Gold Bond Scheme close on 16th July, 2021 which means that the offer will only be applicable till 16th July, 2021.
✅ Series III available from 12th July 2021 to 16th July, 2021.
✅ Available in the multiples of 1 gms.
✅ Rs. 50 per 1 gms discount on online purchase.
✅ Eligible Interest rate of 2.5% p.a. paid on semi-annually basis.
Tenure: 8 years (Early withdrawal allowed from 5th year).
✅ Trade-able on the Stock Exchange.
Taxation:
➡️ Interest on these Sovereign Gold Bond is taxable.
➡️ Appreciation (Capital gain) of the amount received on redemption (after 8 years) is tax free.
➡️ Capital Gains on sale in the market is liable to Short Term Capital Gain (on holding below 3 years), Long term Capital Gain with indexation benefit applicable after holding above 3 years.
📌 GRAB THE OPPORTUNITY!
IF YOU MISS THE OPPORTUNITY DON’T WORRY! All series of Sovereign Gold Bonds are AVAILABLE with ASHUTOSH INVESTMENT SERVICES for sale.
Ashutosh Investment Services
A Service of
ASHUTOSH FINANCIAL SERVICES PVT. LTD.
•Investments •Insurance •Income Tax & Estate Planning •NRI Services
Mobile: +91 73835 30919 / 93773 35959 Email: vrm@ashutoshfinserv.com
www.ashutoshfinserv.com
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Great Opportunity To Invest In Digital Gold Bonds Launched By Reserve Bank Of India At A Price Lower Than The Market Price Of Gold.

FRESH SERIES OF 2021-22 – TRANCHE 03
At Present, the market price of 10 gms. of Gold is Rs. 48,654/- PM as on 28th May, 2021 and instead the Reserve Bank of India has came up with a series of schemes offering 10 gms. Gold Bonds at the rate of Rs. 48,390/- with (Rs. 48,890-Rs.500 Discount) under the Sovereign Gold Bond Scheme.
Direct benefit of Rs. 264 (48,654-48,390) per 10 gms.
This Gold Bond Scheme close on 4th June, 2021 which means that the offer will only be applicable till 4th June, 2021.
✅ Series III available from 31st May 2021 to 4th June, 2021.
✅ Available in the multiples of 1 gms.
✅ Rs. 50 per 1 gms discount on online purchase.
✅ Eligible Interest rate of 2.5% p.a. paid on semi-annually basis.
Tenure: 8 years (Early withdrawal allowed from 5th year).
✅ Trade-able on the Stock Exchange.
Taxation:
➡️ Interest on these Sovereign Gold Bond is taxable.
➡️ Appreciation (Capital gain) of the amount received on redemption (after 8 years) is tax free.
➡️ Capital Gains on sale in the market is liable to Short Term Capital Gain (on holding below 3 years), Long term Capital Gain with indexation benefit applicable after holding above 3 years.
📌 GRAB THE OPPORTUNITY!
IF YOU MISS THE OPPORTUNITY DON’T WORRY! All series of Sovereign Gold Bonds are AVAILABLE with ASHUTOSH INVESTMENT SERVICES for sale.
Mobile: +91 73835 30919 / 73835 30619
Email: vrm@ashutoshfinserv.com
www.ashutoshfinserv.com
Disclaimer: We do not intend to provide any investment advice in any manner through the above message. It is only a knowledge-sharing exercise in good faith.

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Invest In Unlisted Shares Of The Second Fastest Growing Retailer In The World – Reliance Retail Ltd.

🔲 Reliance Retail Ltd., subsidiary of Reliance Industries Ltd., has been recently ranked as the second fastest growing retailer in the world in the 2021 ranking of global retail power houses by Deloitte.
🔲 The company is more than five times the size (in terms of annual turnover) to its subordinate retail competitor, Avenue Supermarts Ltd. (DMart).
🔲 The company recorded a growth of 41.8 per cent, driven primarily by a 13.1 per cent increase in the number of stores in its consumer electronics, fashion and lifestyle and grocery retail chains, to 11,784 stores across 7,000 towns and cities in India.
🔲 The company is leveraging the E-commerce medium through both, digital commerce B2C and B2B models by partnering with WhatsApp to further accelerate business on the JioMart platform.
🔲 It is advantageous to invest in such Unlisted Shares before the company comes with IPO (Initial Public Offering) when the success story is visible to the world at large and already there in the share price.
🔲 Shares of the company are readily available with us at all times with daily quotes. We carry out transfers to the Demat account of the investor with precise documentation and also provide related taxation & regulatory advice.
🔲 Invest in such game changer businesses of modern times to fetch multi-bagger returns (2x, 3x, etc.) on the investment.
🔲 Links of explanatory video on the topic “ᑕᗩTᑕᕼ TᕼEᗰ YOᑌᑎG – INVESTMENT IN PROMISING UNLISTED STOCKS BEFORE IPO”
In English language:

In Gujarati language:

For any further details,
Contact us:
Mobile: +91 73835 30919 / 73835 30619
Email: vrm@ashutoshfinserv.com
Disclaimer: We do not intend to provide any investment advice in any manner through the above message. It is only a knowledge-sharing exercise in good faith.

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Invest In Mutual Funds Of Indian Information Technology (I.T.) And Pharma/Healthcare Sector

🟫 Why should we invest in I.T. sector?
☑️ The Indian Information Technology (I.T.) sector has widely accepted the model of remote working (work from home).
☑️ Organizations will now find it even better and convenient to outsource their I.T. tasks to an I.T. company at a distant location/country which will gear up demand.
☑️ Moreover, Indian I.T. companies, in collaboration with the Govt. of India are increasingly focusing on leveraging next generation digital technologies like 5G, Blockchain, Artificial Intelligence, etc. to develop innovative modern day delivery capabilities for their services.
🟫 Which is the best manner to invest in the I.T. sector?
☑️ To participate in the I.T. sector, deep understanding of modern technological trends and developments in the foreign markets are also required to be considered as the industry is significantly dependent on exports.
☑️ Investment in I.T. sectoral Mutual Funds managed by professional fund managers having in-depth understanding of I.T. companies helps to identify best stocks at the appropriate price depending on the market trends.
🟫 Why should we invest in Pharma/Healthcare sector?
☑️ One of the most benefitted sectors from the pandemic, the Healthcare/Pharma sector includes biopharmaceuticals, bioinformatics, medical tourism, diagnostics, medical supplies & equipments, etc.
☑️ There are several lifestyle changes and habits that have become a norm and will boost the pharma industry post Covid-19 pandemic.
☑️ Indian Pharma/Healthcare companies, because of cheaper pricing, increasing research & development, and constant governmental support for incentivizing exports, have developed a multi-billion-dollar export market with a promising growth potential.
🟫 Which is the best manner to invest in the Pharma/Healthcare sector?
☑️ To participate in the Pharma/Healthcare sector, deep understanding of the medical field and knowledge of various aspects such as product patents, regulatory issues, foreign healthcare laws, etc. is necessary to identify potential companies.
☑️ Investment in Pharma/Healthcare sectoral Mutual Funds managed by professional fund managers having in-depth understanding of Pharma/Healthcare companies helps to identify stocks at the appropriate price depending on the market trends.
🟫 INVEST IN MUTUAL FUNDS OF THE EMERGING SECTORS TO PARTICIPATE IN THE GROWTH STORY OF INDIAN ECONOMY.
For any further details,
Contact us:
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Email: vrm@ashutoshfinserv.com
Please forward this message to your friends, relatives and contacts who could be interested.
Disclaimer: Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

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Great Opportunity To Invest In Digital Gold Bonds Launched By Reserve Bank Of India At A Price Lower Than The Market Price Of Gold.

FRESH SERIES OF 2021-22 – TRANCHE 01
At Present, the market price of 10 gms. of Gold is Rs. 47,757/- PM as on 14th May, 2021 and instead the Reserve Bank of India has came up with a series of schemes offering 10 gms. Gold Bonds at the rate of Rs. 47,270/- with (Rs. 47,770-Rs.500 Discount) under the Sovereign Gold Bond Scheme.
Direct benefit of Rs. 487 (47,757-47,270) per 10 gms.
This Gold Bond Scheme close on 21st May, 2021 which means that the offer will only be applicable till 21st May, 2021.
✅ Series I available from 17th May 2021 to 21st May, 2021.
✅ Available in the multiples of 1 gms.
✅ Rs. 50 per 1 gms discount on online purchase.
✅ Eligible Interest rate of 2.5% p.a. paid on semi-annually basis.
Tenure: 8 years (Early withdrawal allowed from 5th year).
✅ Trade-able on the Stock Exchange.
Taxation:

  • Interest on these Sovereign Gold Bond is taxable.
  • Appreciation (Capital gain) of the amount received on redemption (after 8 years) is tax free.
  • Capital Gains on sale in the market is liable to Short Term Capital Gain (on holding below 3 years), Long term Capital Gain with indexation benefit applicable after holding above 3 years.

📌 GRAB THE OPPORTUNITY!
✅ IF YOU MISS THE OPPORTUNITY DON’T WORRY! All series of Sovereign Gold Bonds are AVAILABLE with ASHUTOSH INVESTMENT SERVICES for sale.
Mobile: +91 73835 30919 / 73835 30619
Email: vrm@ashutoshfinserv.com
www.ashutoshfinserv.com
Disclaimer: We do not intend to provide any investment advice in any manner through the above message. It is only a knowledge-sharing exercise in good faith.

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Indian Stock Market In Declining Trend But U.S.A. Stock Market Is Rising – Diversify Your Investments Globally By Also Investing In The U.S. Stock Market

INDIAN STOCK MARKET IN DECLINING TREND BUT U.S.A. STOCK MARKET IS RISING – DIVERSIFY YOUR INVESTMENTS GLOBALLY BY ALSO INVESTING IN THE U.S. STOCK MARKET 🇺🇸📈💹
🔳 In the past three months (as on 12-04-21), the Indian financial markets represented by BSE SENSEX index has declined by 3.02% while the U.S.A. financial markets represented by S&P 500 and NASDAQ 100 indices have increased by 9.06% and 6.69% respectively.
🔳 Similarly, in the past one month (as on 12-04-21), the Indian financial markets represented by BSE SENSEX index has declined by 5.51% while the U.S.A. financial markets represented by S&P 500 and NASDAQ 100 indices have increased by 4.79% and 6.53% respectively.
🔳 The U.S. dollar has also appreciated against the Indian Rupee by 3.69% in the past one month (as on 12-04-21) and by 3% in the past three months.
🔳 The cases of Covid-19 and deaths on account of that are scaling new heights in India every day, making it the second-worst hit country in the global pandemic. As compared to that, in the U.S.A., with the fast and successful vaccination drive, the country is moving towards a reopening mode. Moreover, the infrastructure stimulus packages are set to give further boost to the economy.
🔳 Indian Stock Market is definitely a promising one, but it is always worthwhile to become a global investor to avoid single country & single currency risks.
➡️ To invest in U.S. markets, visit our platform:
https://ashutoshfinserv.vested.co.in/
➡️ The detailed explanation can be obtained from the presentation in the PDF file available in the following link or the YouTube video links stated below:
https://www.ashutoshfinserv.com/wp-content/uploads/2021/04/Investment-in-Foreign-Equity-Presentation.pdf
Link of English language explanatory video:
https://www.youtube.com/watch?v=C8CODuUfA5E
Link of Gujarati language explanatory video:
https://www.youtube.com/watch?v=wqDLOQwZC0A
For any further details,
Contact us:
Mobile: +91 73835 30919 / 73835 30619
Email: vrm@ashutoshfinserv.com
Disclaimer: We do not intend to provide any investment advice in any manner through the above message. It is only a knowledge-sharing exercise in good faith.

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Catch Them Young – Investment In Promising Unlisted Stocks Before Ipo

Presentation on “ᑕᗩTᑕᕼ TᕼEᗰ YOᑌᑎG – INVESTMENT​ IN PROMISING UNLISTED STOCKS​ BEFORE IPO” is now on our YouTube Channel “AshutoshFinserv”
We are sharing the YouTube link of the presentation on” ᑕᗩTᑕᕼ TᕼEᗰ YOᑌᑎG – INVESTMENT​ IN PROMISING UNLISTED STOCKS​ BEFORE IPO”
In this video, you will find the complete analysis on….
➡️ Why should we invest in unlisted stocks?
➡️ How to invest in unlisted stocks?
➡️ Which unlisted stocks to invest in?
➡️ Regulatory & Tax aspects of investing in unlisted stocks
Please find the YouTube links of an informative and comprehensive presentation delivered on the subject in both English & Gujarati language.
Video in English Language: https://www.youtube.com/watch?v=-n3CY-xdrHA
Video in Gujarati Language: https://www.youtube.com/watch?v=8nGYA2tAT84
You can also download PDF file of Presentation by clicking on below mentioned link:
https://www.ashutoshfinserv.com/wp-content/uploads/2021/03/CTY.pdf
Contact: +91 73835 30919 /+91 73835 30619
Email: vrm@ashutoshfinserv.com
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Great Opportunity In Upcoming Series To Buy Digital Gold Bonds Launched By Reserve Bank Of India At A Price Lower Than The Market Price Of Gold.

GREAT OPPORTUNITY IN UPCOMING SERIES TO BUY DIGITAL GOLD BONDS LAUNCHED BY RESERVE BANK OF INDIA AT A PRICE LOWER THAN THE MARKET PRICE OF GOLD.
At Present, the market price of 10 gms. of Gold is Rs. 46,570/- PM as on 26th Feb, 2021 and instead the Reserve Bank of India has came up with a series of schemes offering 10 gms. Gold Bonds at the rate of Rs. 46,120/- with (Rs. 46,620-Rs.500 Discount) under the Sovereign Gold Bond Scheme.
Direct benefit of Rs. 450 per 10 gms.
Prices of Gold has declined by 11.91% from November, 2020 to Till Date (IBJA Data) which makes it an interesting opportunity to invest in present times.
Series Xll available from 01st Mar, 2021 to 05th Mar, 2021.
Available in the multiples of 1 gms.
Rs. 50 per 1 gms discount on online purchase.
Eligible Interest rate of 2.5% p.a. paid on semi-annually basis.
Tenure: 8 years (Early withdrawal allowed from 5th year).
Trade-able on the Stock Exchange.
Taxation:
➡️ Interest on these Sovereign Gold Bond is taxable.
➡️ Appreciation (Capital gain) of the amount received on redemption (after 8 years) is tax free.
➡️ Capital Gains on sale in the market is liable to Short Term Capital Gain (on holding below 3 years), Long term Capital Gain with indexation benefit applicable after holding above 3 years.
 GRAB THE OPPORTUNITY!
IF MISSED THE OPPORTUNITY ? DON’T WORRY! All series of Sovereign Gold Bonds are AVAILABLE with ASHUTOSH INVESTMENT SERVICES for sale.
Contact: +91 73835 30919 /+91 73835 30619
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Invest In Equity (Stock Market) Based Investments For Long Term Extraordinary Returns

INVEST IN EQUITY (STOCK MARKET) BASED INVESTMENTS FOR LONG TERM EXTRAORDINARY RETURNS
Equity (Stock) market in India has given very attractive returns in the past few months. It is a common observation that during such times, many people get attracted towards the market and invest in stocks of companies through tips from brokers, friends, etc.
As the equity market enters stagnation or a decline mode, these investors are stranded with the stocks bought during the growing times, thereby ending with a bad taste of equity market, losing the confidence of investing in equity permanently.
For all the investors who want to participate in the equity (stock) market the most advisable manner is to invest through STRUCTURED EQUITY ROUTES.
There are various routes or products through which investments can be made in equity based investments. The points of consideration for the same are:
➡️ WHAT ARE STRUCTURED EQUITY ROUTES?
Structured Equity Routes are modes of investment in the equity (stock market) through a structured and disciplined manner.
The most favored and widely used routes are Mutual Funds & Portfolio Management Services (PMS). The investments under this route are invested in portfolio of equity shares managed by fund managers with experience and backed by team with research & analysis of individual stocks and the financial markets.
➡️ WHAT IS THE IDEAL INVESTMENT HORIZON FOR INVESTING IN STRUCTURED EQUITY ROUTES?
Structured Equity Route requires a time horizon of at least 5 years to deliver its actual performance. Any analysis and comparison before that is premature and not a worthwhile option.
In the current times, investors have an access to investment valuations on a daily basis because of latest technological support. Due to that, investors often evaluate returns over shorter time frames and are many times dissatisfied with the performance of equity products considering the volatile equity markets.
➡️ HOW TO BUILD WEALTH THROUGH RIGHT EQUITY PRODUCTS?
Selection of good quality mutual funds & PMS with appropriate asset allocation by seasoned financial consultants is the key.
Such investments are bound to undergo a lot of ups and downs. Remaining patient across time is an important characteristic to build wealth in equity.
The portfolio of equity investment needs to be evaluated from time to time and necessary changes from one product to another within the equity class should be done after giving adequate time for an equity product to perform.
Comparison of structured equity route with direct equity (shares) should be made over longer times and taking a call based on short-lived movements can turn out to be a hasty decision.
➡️ For investments in STRUCTURED EQUITY ROUTES backed with in-depth experience, research & analysis
Contact us:
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Lucrative Opportunity To Invest In Global Healthcare Companies In The Race To Discover The Covid-19 Vaccine

LUCRATIVE OPPORTUNITY TO INVEST IN GLOBAL HEALTHCARE COMPANIES IN THE RACE TO DISCOVER THE COVID-19 VACCINE 
➡️ We bring before you another U.S. equity portfolio – HealthMagic, comprising of companies engaged in research for the much awaited Covid-19 vaccine, along with several other healthcare companies.
➡️ This thematic healthcare portfolio consists of companies who are pioneers in medical innovation and therapies developed across the world in the pharmaceutical and biotechnology industry.
➡️ They are engaged in vaccine manufacturing as well as other pharma and biotech activities with strong expertise in their respective segment with a promising stock price future performance.
➡️ The description, along with suitability and portfolio weights & composition is stated as below.

No. Name Symbol
1. Pfizer PFIZER
2. Moderna MRNA
3. AstraZeneca AZN
4. Johnson & Johnson JNJ
5. Novavax, Inc. NVAX
6. GlaxoSmithKline plc GSK
7. Sanofi S.A. SAN
8. McKesson Corporation MCK
9. Regeneron Pharmaceuticals, Inc. REGN
10. Amgen Inc. AMGN
11. Edwards Lifesciences Corp EW
12. Abott Laboratories ABT
13. Zoetis Inc. ZTS
14. West Pharmaceutical Services Inc WST
15. Eli Lilly and Company LLY
16. Intuitive Surgical, Inc. ISRG
17. Thermo Fisher Scientific, Inc. TMO

About the companies:
1. Pfizer
Pfizer is an American multinational pharmaceutical corporation that
develops and produces medicines and vaccines for a wide range of
medical disciplines, including immunology, oncology, cardiology,
endocrinology, and neurology.
2. Moderna
Moderna is an American biotechnology company focusing on drug
discovery, drug development and vaccine technologies.
3. AstraZeneca
AstraZeneca plc is a British-Swedish multinational pharmaceutical and
biopharmaceutical company having a portfolio of products for major
disease areas including cancer, cardiovascular, gastrointestinal,
infection, neuroscience, respiratory and inflammation.
4. Johnson & Johnson
Johnson & Johnson is an American multinational corporation that
develops medical devices, pharmaceutical, and consumer packaged
goods. Its brands include numerous household names of medications
and first aid supplies.
5. Novavax, Inc.
Novavax, Inc. is an American vaccine development company engaged in
development of several notable vaccines globally.
6. GlaxoSmithKline plc
GlaxoSmithKline plc (GSK) is a British multinational pharmaceutical
company into pharmaceuticals, vaccines, consumer healthcare, etc.
7. Sanofi S.A.
Sanofi S.A. is a French multinational pharmaceutical company into
research and development, manufacturing and marketing of
pharmaceutical drugs covering the seven major therapeutic areas.
8. McKesson Corporation
McKesson Corporation is an American company distributing
pharmaceuticals and providing health information technology, medical
supplies, and care management tools.
9. Regeneron Pharmaceuticals, Inc.
Regeneron Pharmaceuticals, Inc. is an American biotechnology
company focused on neurotrophic factors and their regenerative
capabilities.
10. Amgen Inc.
Amgen Inc. is an American multinational biopharmaceutical company
focused on molecular biology and biochemistry with its goal to provide
a healthcare business based on recombinant DNA technology.
11. Edwards Lifesciences Corp
Edwards Lifesciences is an American medical technology specializing in
artificial heart valves and hemodynamic monitoring.
12. Abbott Laboratories
Abbott Laboratories is an American multinational medical devices and
health care company selling medical devices, diagnostics, branded
generic medicines and nutritional products.
13. Zoetis Inc.
Zoetis Inc. is the world’s largest producer of medicine and vaccinations
for pets and livestock. The company was formerly a subsidiary of Pfizer
and currently sells the products in more than 100 countries with nearly
50% of the total revenue arising outside U.S.A.
14. West Pharmaceutical Services Inc
West Pharmaceutical Services, Inc. is a designer and manufacturer of
injectable pharmaceutical packaging and delivery systems for the
healthcare and consumer products markets.
15. Eli Lilly and Company
Eli Lilly and Company is an American pharmaceutical company
manufacturing psychiatric medications and several other renowned
vaccines, including the polio vaccine and insulin. Its products are sold
in approximately 125 countries.
16. Intuitive Surgical, Inc.
Intuitive Surgical, Inc. is an American corporation that develops,
manufactures, and markets robotic products designed to improve
clinical outcomes of patients through minimally invasive surgery, most
notably with the da Vinci Surgical System.
17. Thermo Fisher Scientific, Inc.
Thermo Fisher Scientific is an American provisioner of scientific
instrumentation, reagents and consumables, and software and
services to healthcare, life science, and other laboratories in academia,
government, and industry (including in the biotechnology and
pharmaceutical sectors).
HEALTHMAGIC – U.S. EQUITY PORTFOLIO
➡️ Grab this lucrative opportunity of participating in the innovation that the world awaits in the near future.
➡️ To invest in U.S. markets, visit our platform:
https://ashutoshfinserv.vested.co.in/
For any further details,
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Launch Of New Portfolio For Investment In Foreign Equity – Futuretech

LAUNCH OF NEW PORTFOLIO FOR INVESTMENT IN FOREIGN EQUITY – FUTURETECH
➡️ We are excited to launch a contemporary U.S. portfolio comprising of next generation companies focusing on ideas that are the future of global technology & innovation.
➡️ The companies are engaged in disruptive technology infrastructure themes such as AI, IoT, Cloud, 5G, Big Data, Robotics, Analytics, Cybersecurity, etc.
➡️ Such ideas have practical application in futuristic innovations such as Battery Electric Vehicles (EVs), Industry 4.0, Autonomous Cars, Virtual Reality, Smart Wearables, etc.
➡️ The description, along with suitability and portfolio weights & composition is stated in the attached PDF file.
➡️ To invest in U.S. markets, visit our platform:
https://ashutoshfinserv.vested.co.in/
For any further details,
Contact us:
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Golden Rules Of Personal Financial Management

We are sharing 9 golden rules of personal financial management relevant today that can considerably improve your complete financial well-being, making you financially independent and prepared for your future.

  1. THE 50-30-20 RULE:

This is a ratio which says how much you should spend from your monthly income on fixed expenses such as rent, household expenses, etc. (50%), discretionary expenses such as eating out, shopping, entertainment, etc. (30%), and minimum savings & investments (20%).
This ratio is ideal at the start of your working life. As your income grows, you should gradually flip your savings from 20% to 30%. As you age and your fixed expenses fall, your savings ratio should move from 30% to 50%, helping you secure your retirement.

  1. THE 20x INSURANCE COVER RULE:

If you are buying a Life Insurance Policy (LIP), make sure that your sum assured can take care of your family’s income needs for the long term. The sum assured should be at least 20 times your current annual income, or more if you can afford it.

  1. PAY YOURSELF 10% RULE:

You are in debt to your future self. Make sure you clear this debt on priority each month without fail. Your retired self depends on you for his income.
You should invest at least 10% of your monthly income in long-term investments such as equity mutual fund SIPs (Systematic Investment Plans) in order to secure your retirement. If you plan to retire early, invest more than 10% in such long-term investments.

  1. THE 3x EMERGENCY FUND RULE:

You must always own an emergency fund that’s at least 3 times your current monthly income. That’s the bare minimum. You can go up to six months and keep building if you feel the need to do so. This fund will keep you remain financially stable in emergencies such as pandemic, loss of employment, urgent travel, health emergencies, etc.

  1. THE 6% RISK-FREE RETURN RULE:

The rate of return in SBI five-year term deposits is 5.4% (taxable) and on tax-free bonds issued by government owned companies is 4.5% (tax-free). This can be the safest possible investment considered as the risk-free rate of return today in India.
Before you make any long-term investment, ask yourself: Will it pay you at least the above-mentioned returns? If not, reconsider your decision to invest. If your investment cannot beat the risk-free rate of return, then it may not be worth your while.

  1. THE 3% RENTAL YIELD RULE:

A property you own should generate an annual rental yield of at least three per cent of the property purchase cost. For example, if property costs Rs 50 lakh, your annual rent should be at least Rs 1.5 lakh. This is a loosely applied thumb rule which can be used as a point of reference, while the actual rental yields may vary wildly from one location to another.

  1. THE 30% CREDIT LIMIT RULE:

Try to keep your credit utilization ratio (the percentage of your credit limit you are using) to 30% for any month. For example, if your credit card limit is Rs 1 lakh, try to limit your credit card spending to Rs 30,000, which is 30% of the credit available. This will also help improve your credit score.

  1. THE 20% HOME BUYING RULE:

Any time you buy a property, you are going to pay at least 20% of the property cost from your own pocket. Banks will typically finance up to 80-85% of the property purchase value, while you may need to fork out 20-30% more of it for the costs of stamp duty & registration, furnishing& repairs, etc.

  1. THE 40% EMI RULE:

All your Equated Monthly Installment (EMI) combined from all borrowings should ideally be not more than 40 % of your take-home income. For example, if your take-home pay is Rs 50,000, your combined EMIs should ideally be Rs 20,000. Crossing this limit may strain your finances, lower your savings, and run the risk of defaulting on your EMIs.
These are rules of thumb — the most basic guidelines to better manage your money in the current times. Depending on the market scenario and your life stage, income level, life priorities, financial backing, risk appetite, etc. you may have to revisit and fine-tune these rules to achieve the best results.
CONCLUSION:
These are rules of thumb — the most basic guidelines to better manage your money in the current times. Depending on the market scenario and your life stage, income level, life priorities, financial backing, risk appetite, etc. you may have to revisit and fine-tune these rules to achieve the best results.
For any further details,
Contact us:
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Invest In Sovereign Gold Bonds (SGB) This Diwali And Enjoy Triple Advantages

 INVEST IN SOVEREIGN GOLD BONDS (SGB) THIS DIWALI AND ENJOY TRIPLE ADVANTAGES.
➡️ IS IT WORTHWHILE TO INVEST IN GOLD?
🔳 In the last year (Samvat 2076), gold has delivered extraordinary returns outperforming all other asset classes.
🔳 The same trend was witnessed during the global financial crisis in 2008.
🔳 This proves the fact that after allocating investments towards Equity & Fixed Income, certain allocation towards gold can act as a shield during such uncertain times in financial markets.
➡️ THE TRIPLE ADVANTAGES OF INVESTMENT IN SOVEREIGN GOLD BONDS ARE:
🔳 Investment in Gold without any levy of GST and rate difference on buying & selling.
🔳 Interest income @ 2.5% p.a. on the value of investment in Gold.
🔳 Tax Free gain on investment in Gold when bonds held till maturity.
➡️ INVEST IN SERIES VIII OF THE SOVEREIGN GOLD BOND SCHEME OF THE RESERVE BANK OF INDIA:
🔳 From 9th Nov 2020 to 13th Nov 2020.
🔳 Available in the multiples of 1 gms.
🔳 The current market price (as on 9/11/20) of 10 gms gold is Rs. 52420.
🔳 Such Bonds are available at the rate of Rs. 51,270/- (Rs. 51,770 – Rs. 500 Discount) under the Sovereign Gold Bond Scheme.
🔳 There is a Direct benefit of Rs. 1150 per 10 gms of gold purchase through Sovereign Gold Bonds route.
🔳 Tenure: Original tenure 8 years, with an option to exit after the 5th year.
➡️ TAXATION PROVISIONS
🔳 Interest income on the Sovereign Gold Bonds is taxable.
🔳 Appreciation (Capital gain) of the amount received on maturity (after 8 years) is tax free.
🔳 Capital Gains on sale in the market are liable to Short Term Capital Gain (on holding below 3 years) & Long term Capital Gain with indexation benefit (on holding above 3 years).
➡️ CELEBRATE THIS DIWALI WITH THE NEW AGE METHOD OF INVESTING IN GOLD!
JUST CALL US TO INVEST IN SOVEREIGN GOLD BONDS.
For any further details,
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Strategy For Investment In U.S. Equity In The Wake Of Upcoming Presidential Elections

WHEN ARE THE U.S. PRESIDENTIAL ELECTIONS AND WHAT IMPACT CAN IT HAVE ON THE FINANCIAL MARKETS?

  • The elections are primarily scheduled on November 3 & 4 for voting in person.
  • However, voters can also vote through postal ballots for a week or two after that as per the guidelines laid for the respective states. A clear picture could be available within 2-3 weeks after that since the postal voting will continue till November 20 in a few states.
  • The result trends of the election could be figurable from the voting days itself. The trends of the results before and after the voting process may start becoming visible in the price movements of the stocks.

WHAT COULD BE THE STRATEGY FOR INVESTING IN U.S. MARKETS IN SUCH TIMES?

  • To invest in such uncertain times, we believe that it is best to follow the system of averaging the costs of acquisition.
  • An investor can begin investing from October 29 (when the poll predictions could begin) and continue till November 25 (when the result could be fairly clear).
  • There will be 20 trading sessions between the above two dates (including the two days) when someone can park the investments.
  • We believe that an investor with a long term approach should spread the investment equally in 20 installments to average out the market volatility.
  • We can revise the strategy in an exceptional scenario by accelerating or deaccelerating the planned investments.

To invest in U.S. markets, visit our platform: https://ashutoshfinserv.vested.co.in/
For any further details,
Contact us:
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Interest Rates On Fixed Deposits Of Bajaj Finance Ltd. Set To Decline From 02nd Nov, 2020

Interest rates on fixed deposits of Bajaj Finance Ltd. set to decline from 02nd Nov, 2020.
INVEST BEFORE THE INTEREST RATES ARE REDUCED
Bajaj Finance Ltd. is so far offering the most attractive interest rates on their FDs and it is now in news that Bajaj Finance is going to reduce ROI by 2nd Nov, 2020 and it is expected to reduce by 0.70% to 0.90% down.
Highlighted features of Bajaj Finance – Fixed Deposit:

  • Offering upto 7.10% for 5 years of deposit till 01st Nov, 2020.
  • Receive interest monthly, quarterly, half yearly and annually.
  • 0.25% extra for Senior citizens.
  • Highest safety ratings of FAAA by CRISIL and MAAA by ICRA.

Stock market capitalization of Bajaj Finance is 1,94,756 Cr. where as SBI is 1,80,500 Cr.

  • NRI can also invest from NRO bank account.
  • Automatic credit of funds on maturity.

Inquire at:
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Increasing Significance Of Financial Assets In Personal Investments For Residents As Well As Non-Resident Indians (NRI)

WHAT ARE FINANCIAL ASSETS?

  • Financial assets are investments in fixed income, equity, insurance, precious metals in dematerialized form, etc. They have started gaining increasing significance in the recent times.

WHAT ARE PHYSICAL ASSETS?

  • Physical assets are real estate & precious metals (gold & silver). They have been lucrative investment avenues pursued often over time.

REASONS FOR INCREASING SIGNIFICANCE OF FINANCIAL ASSETS

  • Limited Appreciation Opportunity in current times
  • Physical assets as an investment avenue is not considered very attractive considering the availability of abundant unutilized real estate in India.
  • Depreciation in constructed real estate properties leads to further erosion in value from an investment perspective.

Liquidity

  • In these challenging times, liquidating physical assets, especially real estate, is becoming extremely challenging considering the market scenario.
  • As compared to that, any financial assets can be liquidated virtually at anytime from anywhere without any major efforts.

Management

  • Maintaining & Safe-Keeping physical assets not only demands resources, but also a lot of time and efforts.
  • It becomes utmost difficult to spare precious time at the cost of our professional and personal life.

Next generation

  • The next generation is lacking the interest for managing physical assets. Moreover, they look for wider professional opportunities and do not prefer to remain confined to a particular geography.
  • With such an ideology, it becomes even more difficult to manage & liquidate inherited physical assets from a distant place.

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Invest In Sovereign Gold Bonds (SGB) And Enjoy Triple Advantage

BUY FROM US AT THE SAME TERMS AS ISSUED BY RESERVE BANK OF INDIA.
The TRIPLE ADVANTAGE of investment in Sovereign Gold Bond are :
▪️ Investment in Gold without any levy of GST and rate difference on buying & selling.
▪️ Interest income @ 2.5% p.a. along with investment in Gold.
▪️ Tax Free gain on investment in Gold when bonds held till maturity.
Reserve Bank of India had issued Sovereign Gold Bonds and the last tranche of the same ended on 4th Sept, 2020. If you intend to invest in these Bonds, it can be purchased from us on the same terms as they were issued by the Reserve Bank of India. These terms are as follows :
▪️ Sovereign Gold Bonds issued by RBI are available for resale from us on all the working days.
▪️ Available in the multiples of 1 gms.
▪️ The rate of gold for the purchase of Sovereign Gold Bonds shall be the rate of gold at the time of purchase on the website of India Bullion Jewellers Association (IBJA).
▪️ Eligible Interest rate of 2.5% p.a. paid on semi-annually basis.
▪️ Tenure: Original tenure 8 years, with an option to exit after the 5th year.
▪️ Tradable on the Stock Exchange.
Taxation provisions :
▪️ Interest on these Sovereign Gold Bond is taxable.
▪️ Appreciation (Capital gain) of the amount received on maturity (after 8 years) is tax free.
▪️ Capital Gains on sale in the market is liable to Short Term Capital Gain (on holding below 3 years), Long term Capital Gain with indexation benefit applicable on holding above 3 years.
GRAB THE OPPORTUNITY!
JUST CALL US TO INVEST IN SOVEREIGN GOLD BONDS.
Ashutosh Investment Services
A Division of
ASHUTOSH FINANCIAL SERVICES PVT. LTD.
•Investments •Insurance •Income Tax & Estate Planning •NRI Services
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Investment In 8.50% Perpetual Bonds Of Bank Of Baroda

INVESTMENT IN 8.50% PERPETUAL BONDS OF BANK OF BARODA (BOB) – ATTRACTIVE FIXED INCOME OPPORTUNITY
Resident as well as Non-Resident Indian (through NRO bank A/c) investors can avail this attractive investment opportunity.
Face Value of each bond is Rs.10,00,000 which is currently available at a minor premium.
The bonds are perpetual in nature, with a call option (repayment) with the bank after 4 years.
The net return on investment from such bonds, the Yield To Call (YTC) is above 8% at present.
The bank can refuse interest payment for a particular year, in case of financial distress. However, chances of such an event are rare since BOB is a prime Public Sector Bank with strong financial backing and creditworthiness.
Interest income received is taxable.
Ashutosh Investment Services
A Division of
ASHUTOSH FINANCIAL SERVICES PVT. LTD.
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Future Of Investing

The way we make personal investment decisions should evolve with time considering the emerging trends and upcoming developments in India and globally. We have outlined a few important aspects demonstrating the future of investing.

Increasing significance of Financial Assets

Physical assets such as real estate & precious metals (gold & silver) have been lucrative investment avenues pursued often over time. Financial assets, comprising of investments in fixed income, equity, insurance, precious metals in dematerialized form etc. have started gaining increasing significance. Several reasons for such a transition are discussed below.

  • Liquidity: In these challenging times, liquidating physical assets, especially real estate, is becoming extremely challenging considering the market scenario. As compared to that, any financial assets can be liquidated virtually at anytime from anywhere without any major efforts.
  • Management: Managing & maintaining physical assets not only demands resources, but also a lot of time and energy. For medical professionals engaged in their busy work schedules, it becomes utmost difficult to spare precious time at the cost of their professional and personal life.
  • Next generation: The next generation is lacking the interest for managing physical assets. Moreover, they look for professional opportunities across the globe and do not prefer to remain confined to a particular geography. With such ideology, it becomes even more difficult to manage & liquidate inherited physical assets from a distant place.

Evaluating returns in equity products

In the current times of volatile equity markets, coupled with access to investment valuations on a daily basis because of technological support, investors are evaluating returns over shorter time frames and are dissatisfied with the performance of equity products.
Equity as an asset class for investments through structured routes (PMS, mutual fund, etc.) requires a time horizon of at least 5 years to deliver its performance. Any analysis and comparison before that is premature and not a worthwhile option. There has been a lot of discussion on the unsatisfactory SIP (Systematic Investment Plan) returns in the last few years in media. However, investment through the SIP route is for wealth creation over longer time horizons ( above 10 years) and evaluating returns in such short time frames is not a good idea.
Investment in equity products are bound to undergo a lot of ups and downs. Remaining patient across time is an important characteristic to build wealth in equity. Moreover, comparison of such products with direct equity investments should be made over longer times and taking a call based on short-lived movements can turn out to be a hasty decision.

Investment in Precious Metals 

In the current pandemic crisis, precious metals such as gold and silver have delivered extraordinary returns as asset classes. The same trend was witnessed during the global financial crisis in 2008. This proves the fact that certain allocation towards precious metals can act as a shield during such uncertain times in financial markets.
Considering the inconvenience and limitations of investing in precious metals in physical form as discussed earlier, investment through a digital mode (financial assets) can be a worthwhile option. To invest in gold, the Reserve Bank of India (RBI) has introduced Sovereign Gold Bonds (SGB) in different series with a fixed maturity which is tax free in the hands of investor on maturity. Such bonds are also tradeable on the stock exchange and deliver a fixed interest of 2.5% p.a. on the issue price.
To have an allocation in other precious metals like silver, platinum, etc. there are Exchange Traded Funds (ETFs) in foreign markets which invest in such metals completely. The movement of those ETFs are in absolute tandem with the price of silver in the international markets.
Under the present regulatory regime, Indian investors can directly invest in shares of U.S. ETFs from India in a seamless manner.

Global Investing 

Since several years, we advise everyone (including non-residents) to invest in the emerging markets, i.e. India. However, geographical portfolio diversification, which is attained by way of global investing involves diversifying investments across geographies is the order of the day for matured investors today globally.
Global investing not only avoids country-specific risks such as political issues, bad monsoon, border tension, etc. but also builds an investment in foreign currency (USD) which has a history of appreciation vis-à-vis the Indian currency (INR). This corpus in foreign currency can also be utilized for future expenditures like foreign education, immigration, etc. It is a means to participate some of the most renowned brands that we use in our day to day lives at attractive valuations.
Under the present regulatory regime, Indian investors can directly invest in shares of U.S. based companies from India or they can also engage by investing through international mutual funds in India.
According to Shankar Sharma, an acclaimed global investor & advisor, “You must avoid single country, single currency, single asset risks at all costs.”

Attractive fixed income options 

Fixed income investments have been a traditional and safe way of investing for several of the investors in India. Over and above the bank Fixed Deposits (FDs), several other avenues have emerged in the fixed income space in the recent times with attractive returns.
For investors in the highest tax brackets, tax-free bonds of Public Sector Undertaking of the Govt. of India are a secured way of investing giving a tax-free interest return to the investor. The Yield to Maturity (YTM) or the net return from such investments is greater than majority if the traditional FDs.
Continuing with the FD avenue of investment, corporate Fixed Deposits (FDs) of several credible Non-Banking Financial Corporations (NBFCs) offer better returns than the bank-based FDs. Such issuing NBFCs are backed by business groups having a long and respectable legacy.

CONCLUSION

Just as adapting to the changing trends in our respective profession is the need of the hour to remain relevant, it is also important to remain in sync with the evolving trends for our personal investments to build an investment portfolio that makes the most of all available opportunities; along with ensuring absolute security of our hard earned savings.
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Last Tranche Of The Series To Buy Digital Gold Bonds Launched By Reserve Bank Of India At A Price Lower Than The Market Price Of Gold.

At Present, the market price of 10 gms. of Gold is Rs. 51,177/- PM as on 28th Aug, 2020 and instead the Reserve Bank of India has came up with a series of schemes offering 10 gms. Gold Bonds at the rate of Rs. 50,670/- with (Rs. 51,170-Rs.500 Discount) under the Sovereign Gold Bond Scheme.
Direct benefit of Rs. 507 per 10 gms.
This Gold Bond Scheme close on 04th Sep, 2020 which means that the offer will only be applicable till 04th Sep, 2020.

  • Series Vl available from 31st Aug 2020 to 04th Sep. 2020.
  • Available in the multiples of 1 gms.
  • Rs. 50 per 1 gms discount on online purchase.
  • Eligible Interest rate of 2.5% p.a. paid on semi-annually basis.
  • Tenure: 8 years (Early withdrawal allowed from 5th year).
  • Tradable on the Stock Exchange.
  • Taxation:
  •  Interest on these Sovereign Gold Bond is taxable.
  • Appreciation (Capital gain) of the amount received on redemption (after 8 years) is tax free.
  • Capital Gains on sale in the market is liable to Short Term Capital Gain (on holding below 3 years), Long term Capital Gain with indexation benefit applicable after holding above 3 years.

GRAB THE OPPORTUNITY!
IF YOU MISS THE OPPORTUNITY DON’T WORRY! All series of Sovereign Gold Bonds are AVAILABLE with ASHUTOSH INVESTMENT SERVICES for sale.
Ashutosh Investment Services
A Division of
ASHUTOSH FINANCIAL SERVICES PVT. LTD.
•Investments •Insurance •Income Tax & Estate Planning •NRI Services
Mobile No.: +91 85112 20205 / 93773 35959
Email: relationship@ashutoshfinserv.com
www.ashutoshfinserv.com
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Get Ready To Invest In The U.S. Equity Market!

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We are excited to announce the launch of our Platform for investing directly in U.S. stocks, stock portfolios & ETFs
Link of the platform:
https://ashutoshfinserv.vested.co.in/
To refer the presentation with detailed explanation, we are herewith sharing the YouTube Video link on the topic “INVESTMENT OPPORTUNITY IN FOREIGN EQUITY”
Link of English language video:
https://www.youtube.com/watch?v=C8CODuUfA5E
Link of Gujarati language video:
https://www.youtube.com/watch?v=wqDLOQwZC0A
Link of the PPT:
https://www.ashutoshfinserv.com/wp-content/uploads/2021/04/Investment-in-Foreign-Equity-Presentation.pdf
We are committed to deliver the best options for investments to our investors.
Contact us:
Resident Individuals:
+91 85112 20205 /+91 93773 35959 / relationship@ashutoshfinserv.com
Non-resident Individuals:
+91 70435 93388 / nris2@ashutoshfinserv.com
Ashutosh Investment Services (A division of Ashutosh Financial Services Pvt. Ltd.)
www.ashutoshfinserv.com
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Great Opportunity In Upcoming Series To Buy Digital Gold Bonds Launched By Reserve Bank Of India At A Price Lower Than The Market Price Of Gold.

GREAT OPPORTUNITY IN UPCOMING SERIES TO BUY DIGITAL GOLD BONDS LAUNCHED BY RESERVE BANK OF INDIA AT A PRICE LOWER THAN THE MARKET PRICE OF GOLD.
At Present, the market price of 10 gms. of Gold is Rs. 53,740/- PM as on 31st Jul, 2020 and instead the Reserve Bank of India has came up with a series of schemes offering 10 gms. Gold Bonds at the rate of Rs. 52,840/- with (Rs. 53,340-Rs.500 Discount) under the Sovereign Gold Bond Scheme.
Direct benefit of Rs. 900 per 10 gms.
This Gold Bond Scheme close on 07th Aug, 2020 which means that the offer will only be applicable till 07th Aug, 2020.

  • Series V available from 03rd Aug 2020 to 07th Aug, 2020.
  • Available in the multiples of 1 gms.
  • Rs. 50 per 1 gms discount on online purchase.
  • Eligible Interest rate of 2.5% p.a. paid on semi-annually basis.
  • Tenure: 8 years (Early withdrawal allowed from 5th year).
  • Trade-able on the Stock Exchange.

Taxation:

  • Interest on these Sovereign Gold Bond is taxable.
  • Appreciation (Capital gain) of the amount received on redemption (after 8 years) is tax free.
  • Capital Gains on sale in the market is liable to Short Term Capital Gain (on holding below 3 years), Long term Capital Gain with indexation benefit applicable after holding above 3 years.

GRAB THE OPPORTUNITY!
IF YOU MISS THE OPPORTUNITY DON’T WORRY! All series of Sovereign Gold Bonds are AVAILABLE with
ASHUTOSH INVESTMENT SERVICES for sale.
Ashutosh Investment Services
A Division of
ASHUTOSH FINANCIAL SERVICES PVT. LTD.
•Investments •Insurance •Income Tax & Estate Planning •NRI Services
Mobile No.: +91 93773 35959
Email: relationship@ashutoshfinserv.com
www.ashutoshfinserv.com
You can share the details to your Friends, Relatives and Contacts who could be INTERESTED.
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FACEBOOK, INSTAGRAM, YOUTUBE, TWITTER & LINKEDIN.

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A Golden Opportunity To Buy Gold Bonds From Reserve Bank Of India At A Price Lower Than The Market Price Of Gold.- Only Two Days.

A GOLDEN OPPORTUNITY TO BUY GOLD BONDS FROM RESERVE BANK OF INDIA AT A PRICE LOWER THAN THE MARKET PRICE OF  GOLD.- ONLY TWO DAYS.
At Present, the market price of 10 gms.of gold is Rs. 49,120/- , At that time, the Reserve Bank of India has offered a scheme of 10 gms. gold bonds in Rs. 47,710/-(48520-500 Discount)  under the Sovereign Gold Bond Scheme. Direct benefit of Rs. 1410 per 10 gram.
This Gold Bond Scheme close on 10th July, 2020 this means that the price will only be applicable till 10th july, 2020.

  • Series IV  available between July 06 to 10, 2020.
  • Available in the multiples of 1 gms each.
  • Rs. 50 per 1 gram discount on online purchase
  • Interest rate : 2.5% p.a., paid semi-annually.
  • Tenure : 8 years. (Early withdrawal allowed at 5 years).
  • Can also be sold on the stock  exchange at any time.

Taxation :
➡️   Interest on these bonds is taxable.
➡️   Appreciation (Capital gain) of the amount received on redemption (after 8 years) is tax free.
➡️   Capital gains on sale in the market is liable to Short term Capital Gain (holding below 3 years)/Long term Capital Gain with indexation (holding above 3 years).

Ashutosh Investment Advisory
A Division of
ASHUTOSH FINANCIAL SERVICES PVT. LTD.

  • Investments •Insurance •Income Tax & Estate Planning •NRI Services

Mob. No. : +91 93773 35959
Email : relationship@ashutoshfinserv.com
www.ashutoshfinserv.com
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Investment Services

Sovereign Gold Bond Scheme 2020-21. Investment In Gold With Regular Interest Income

SOVEREIGN GOLD BOND SCHEME 2020-21. INVESTMENT IN GOLD WITH REGULAR INTEREST INCOME

  • Series III available between June 08 to 12, 2020.
  • Available in the multiples of 1 gms each.
  • Interest rate: 2.5% p.a., paid semi-annually.
  • Tenure: 8 years. (Early withdrawal allowed at 5 years).

can also be sold on the stock exchange at any time.
Taxation:
➡️   Interest on these bonds is taxable.
➡️   Appreciation (Capital gain) of the amount received on redemption (after 8 years) is tax free.
➡️   Capital gains on sale in the market is liable to Short term Capital Gain (holding below 1 years)/Long term Capital Gain with indexation (holding above 1 years).

Ashutosh Investment Advisory
A Division of
ASHUTOSH FINANCIAL SERVICES PVT. LTD.

  • Investments •Insurance •Income Tax & Estate Planning •NRI Services

Mob. No. : +91 93773 35959
Email : relationship@ashutoshfinserv.com
www.ashutoshfinserv.com
Follow us using AshutoshFinserv on:
FACEBOOKINSTAGRAMYOUTUBETWITTER & LINKEDIN.

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Investment Services

Sovereign Gold Bond Scheme 2020-21. Investment In Gold With Regular Interest Income

SOVEREIGN GOLD BOND SCHEME 2020-21. INVESTMENT IN GOLD WITH REGULAR INTEREST INCOME

  • Series IV  available between July 06 to 10, 2020.
  • Available in the multiples of 1 gms each.
  • Interest rate : 2.5% p.a., paid semi-annually.
  • Tenure : 8 years. (Early withdrawal allowed at 5 years).
  • Can also be sold on the stock  exchange at any time.

Taxation :
➡️   Interest on these bonds is taxable.
➡️   Appreciation (Capital gain) of the amount received on redemption (after 8 years) is tax free.
➡️   Capital gains on sale in the market is liable to Short term Capital Gain (holding below 1 years)/Long term Capital Gain with indexation (holding above 1 years).

Ashutosh Investment Advisory
A Division of
ASHUTOSH FINANCIAL SERVICES PVT. LTD.

  • Investments •Insurance •Income Tax & Estate Planning •NRI Services

Mob. No. : +91 93773 35959
Email : relationship@ashutoshfinserv.com
www.ashutoshfinserv.com
Follow us using AshutoshFinserv on:
FACEBOOKINSTAGRAMYOUTUBETWITTER & LINKEDIN.

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Investment Services

Impact of Corona Virus on Indian Economy & Equity Market


Conversation on Impact of Corona Virus on Indian Economy & Equity Market, between Mr. Niket Shah – Vice President – Associate Fund Manager – Motilal Oswal India Mutual Fund & Mr. Daxesh Kothari – MD & CEO of Ashutosh Financial Services Pvt. Ltd.
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Invest In Fixed Deposits

INVEST IN FIXED DEPOSITS – EARN INTEREST RATE @ 8.25% P.A. FIXED DEPOSITS OF BAJAJ FINANCE & MAHINDRA FINANCE.
Watch a YouTube video & Power Point Presentation on the subject with complete explanation
Please find herewith a YouTube link of an informative and comprehensive power point presentation. (Explanation in English)
https://www.youtube.com/watch?v=22jcy4NLD7I
https://www.youtube.com/watch?v=xJwk14fKoRI&feature=emb_logo
You can also download PDF file of Presentation in English by clicking below mentioned link
https://www.ashutoshfinserv.com/wp-content/uploads/2019/10/Fixed-Deposit-of-Top-Class-NBFC.pdf
Non Resident Indians (NRI) are not eligible for this investment

ASHUTOSH INVESTMENT ADVISORY
A Division of
ASHUTOSH FINANCIAL SERVICES PRIVATE LTD.

  • Investments •Insurance •Income Tax & Estate Planning •NRI Services

Mob. No. +91 70438 93388, +91 99741 88989, +91 97250 18282
Email : info@ashutoshfinserv.com,
Web : www.ashutoshfinserv.com 

Please Like, Share and Subscribe our YouTube channel “ASHUTOSH FINSERV” to get updated with our informative and educative videos.
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Ashutosh Investment Services

Financial Planning in a broad sense is process of meeting your life goals through proper management of your finances. Life goals can include planning for buying a house, saving for your child’s higher education & marriage, planning for retirement, etc. Financial Planning provides direction and meaning to your financial decisions. It allows you to understand how each financial decision you make affects other areas of your finances.
We at Ashutosh Investment Services provide you the tools, methods and guidance in evaluating your finances. We help you to see the state of your finances over time and assess the impact of your today’s decisions on your future.
We develop an understanding of your current and expected lifestyle, expected milestones, dreams and aspirations and your ability and willingness to take on risks and based on that, we develop an integrated financial plan for you and provide effective execution guidance.

We offer Investment Services on following investment options:

  • Mutual Funds

Mutual Funds have become extremely popular over the last 2 decades. What was once just another obscure financial investment instrument is now a part of investment portfolio of many. A Mutual Fund is nothing but a pool of fund aggregated from different investors and invested in equity and debt in different proportion as per the risk appetite of investors by a professionally managed Asset Management Company. Through Mutual Funds one can create wealth and also minimize the market risk factor by a technique called averaging which can be achieved through Systematic Investment Plan (SIP) and Systematic Transfer Plan (STP).
We not only advise for making new investment, but also time-on-time suggest for change of scheme from one to another depending on the risk return trade off.
Our well equipped Research & Analysis Department keeps at all the time a vigilant eye on the most important part called Asset Allocation for all the investors along with providing guidance on new investment avenues depending on the time horizon, risk appetite & profile of the investor.
Our team, which includes relationship personnel, research and back office analyst, back office operations manager are round the clock ready with all the tools and parameters that include calculations, back office data, fact sheets, historical data etc.
In line with the current electronic era and also for better service to our valued customer, we provide investment facility at customer’s finger tips by way of online investment from our website itself for all types of Mutual Fund investments.
We are facilitating our esteemed clients to view portfolio at their convenience with many report options like Summary of Investments, Return on Investments, Current Holding Reports, Dividend History, Account Statements, Fixed Deposit Investment Details, Details of Insurance, Capital Gain Tax Report, Latest NAV Report, Latest Indices Details, ULIP NAVs, etc.

  • Tax Free Bonds, Non Convertible Debentures (NCD), Perpetual Bonds

TAX FREE BONDS: Income by way of interest on these Tax Free Bonds is fully exempt from Income Tax and shall not form part of Total Income as per provisions under section 10 (15) (iv) (h) of I.T. Act, 1961. These bonds are generally issued by Government Backed entities and thus have very low default risk. These bonds generally come with long tenures of 10, 15 and/or 20 years. Government invests the money collected from these bonds in infrastructure and housing projects.
NON CONVERTIBLE DEBENTURES (NCD): Investors are forever on the lookout for improved and more sustainable schemes. The market volatility, sometimes, even makes traditional and trusted investments lose their sheen. Here, Non Convertible Debenture or NCD proved to be a dark horse when they started delivering smaller but steady returns over time.
Like traditional corporate FDs, NCD too is a fixed-income investment with a specific term and interest income. Companies issue them to raise funds, and evidently you cannot convert it to equities. To make up for this limitation, investors enjoy supreme returns, liquidity, low risk and tax respite as opposed to convertible debentures.
PERPETUAL BONDS: A perpetual bond is a fixed income security with no maturity date. One major drawback to these types of bonds is that they are not redeemable. Given this drawback, the major benefit of them is that they pay a steady stream of interest payments forever. A perpetual bond is also known as a “consol” or a “perp.

  • Portfolio Management Services Equity PMS & RE-PMS

Equity PMS: Portfolio Management Services are ideal for High Net Worth Individuals or Institutions who wish to opt for personalized management of their finances. A team of expert professionals conduct extensive research on markets to provide a customized solution for achieving unique investment objectives. This ensures the optimal selection of investment opportunities within an asset class and active monitoring for optimized results. Investor can review their portfolio at any time to see the progress of returns and present values.
RE-PMS: Now a day we can invest in real estate through structured real estate product like Real Estate Portfolio Management Service (RE-PMS) that is invested in bonds/instruments secured by property instead of actually owning property as it involves risk due to volatility in property prices. RE-PMS is investment vehicles that are used by its subscribers to gain from the Real Estate projects and/or Real Estate linked securities (Equity or Debt) investment.
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