As you probably know, Mutual Fund is gaining ground & have become a extremely popular investment option. The fund
industry has witnessed healthy growth in last five years or so. Mutual Fund is nothing but a common pool of savings created
by a number of investors & is an ideal investment product for an individual investor. Different investors with common investment
objective contribute to create a common pool of money & this money is then invested by fund manager according to the objective
of the scheme.
There are numerous benefits of investing through sip mutual fund and one of the key reasons for its phenomenal success is the range of benefits they offer, which are unmatched by most other investment avenues.
Benefits of investing in Mutual funds
Portfolio Diversification
Diversification of Risk
Liquidity
Professional Management
Convenience
Tax Saver
Different types of schemes available under Mutual funds
For Investment purpose, we often wait to collect a large amount of money and invest it all at once. These investments are done
to achieve our future goals like buying a house, child's education, marriage or retirement planning.
However recurring household expenses always erode the money which we would have otherwise kept for investments and the result -
we end up compromising on our financial goals. So,in order to get the dual benefits of investment and that too of small amount
periodically, we have Systematic Investment Plans(SIP).
Systematic Investment Plan (SIP) is a financial planning tool that allows you to invest in sip mutual fund through small, periodic
installments. Moreover you can also select the tenure of your investments & it helps you set aside a fixed amount every month
for investments thus contributing towards your financial goals.
From India to a New India- the world as we know is in a metamorphosis stage today. The Indian economy is steadily moving
forward on its path to prosperity with economic development being the focal point of the progress & enormous real estate investments in India symbolizes this changing face of our country.
At NJ IndiaRealty, we understand the challenges in shaping reality from your realty aspirations.
Needless to mention, our
main objective is transparent deals of properties by providing latest, extensive and reliable information of real estate
sector. We have been instrumental for making the projects of many leading builders a success. NJ IndiaRealty has a rich
experience and a vast repertoire in project planning & execution in the realty domain.
The team at NJ IndiaRealty aims to meet every aspect of your needs in Indian real estate industry, acting like a one-stop
guide to all housing needs. We at NJ IndiaRealty, ensure that you are successful in shaping reality from your realty aspirations.
Life is unpredictable. Unexpected events that strike without warning can disrupt the smooth rhythm of life. You must be prepared at
all times.
As the primary earning member, you will do anything for the ones you love and ensure that nothing is lacking even if
you are taken away from them forever. Do your best today to ensure that your family can always enjoy a comfortable lifestyle.
Life insurance is nothing but its a way to replace the loss of income that occurs when someone dies. It ensures that your family
will receive financial support in your absence. Put simply, life insurance provides your family with a sum of money if something
happens to you. It protects your family from financial crises & provides some financial peace of mind.
In addition to serving as a protective cover, life insurance also acts as a flexible money-saving scheme, which empowers you to accumulate wealth-to buy a new car, get your children married and even retire comfortably.
Health Insurance
Health insurance policies insure you against several illnesses and guarantee you stay financially secure should you ever
require treatment. They safeguard your peace of mind, eliminate all worries about treatment expenses, and allow you to focus
your energy on more important things like recovery.
Health insurance is required when an individual is ill or requires medical checkups. It can prevent the patient from being
expected to pay out of pocket expenses towards medical bills because they do not have any health insurance. Without health insurance products, one may even not be able to afford expensive medical services when needed.
Benefits of having a Health Insurance products
Helps protect your income - Disability Income Protection Insurance
Provides a monthly benefit to help maintain financial stability while you recover from a disability.
Long-Term Care Insurance
Provides a daily benefit to help you offset the cost of care administered in a long-term care facility or at home.
Critical Illness Insurance
Provides a lump-sum payment to be used in case of contingency
Hospital Cash Plan
Provides a daily allowance to help you pay during your hospital stay.
Company Fixed Deposits is a fixed deposit scheme offered by a company. It works similar to a bank deposit where you earn interest income. Company FDs offer much higher returns than bank FDs, since they entail higher risks. The higher the risk, the higher is
the interest rate offered.
Furthermore, company fixed deposits are 'unsecured'. This means, you have no lien on the assets of company, in case it goes into
financial difficulties and is wound up. Hence, it is of utmost importance to obtain professional financial advice with regards
to Company Fixed Deposit.
Returns offered by Company Fixed Deposits:
Returns offered by Company fixed deposits are higher compared to the Bank FD. However higher the return higher the risk. Hence,
be careful before choosing a company with say a 15 per cent coupon rate as against one with a 11 per cent coupon. While the higher
return may be tempting, the safety may be lower.
Before investing you can also check for the rating given to the Company FD and also the past track record of making timely interest payments.
The desire to grow money is a natural instinct. But as simple as the desire is, the process to do so is just as complex. At NJ,
we believe that growing and protecting your wealth is an art.
Just as art is the culmination of talent and experience in an artist, so also growing money depends on the natural instinct and
experience of a financial manager. At NJ, our financial managers use their combined talents and experience to build up your
mutual funds portfolio of investments with an endeavor to bring out the best in it.
What is PMS?
Portfolio Management Services (PMS) is a sophisticated investment vehicle that offers a customized investing into stocks, fixed
income products, cash, other structured products and mutual funds units etc. to meet specific investment objectives. Though,
PMS is managed by a professional financial managers, it has potential to address the personal preferences tailored into the
investment portfolio giving the freedom and flexibility required for achieving the financial goals.
Different ways in which PMS can be managed
Discretionary: This service gives the flexibility and freedom to investment manager to operate on behalf of the investor fully.
Non-Discretionary: Under this service, the investment manager recommends the investment ideas. Appropriate time to execute the
transaction is left up to the investor
Advisory: Under this category of services, the portfolio manager only suggests the investment ideas. The choice as well as the
execution of the investment decisions rest solely with the Investor. In India, majority of PMS providers offer Discretionary
Services.
PMS benefits investors in the following way-
Professional Management
Continuous Monitoring
Risk Control
Hassle-free Operation
Flexibility
Transparency
Customized Advice
Personalized approach
So, you earn money in bagfuls, but don't have the time to manage it. If this description fits you, do consider entrusting your
money to a N J's portfolio management services (PMS).
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Benefits of investing in Mutual funds
