Derivative Market

1. COMMODITY MARKET- In the world of investing, every form of financial vehicle holds certain advantages and disadvantages, commodities are no different.

After starting to invest in individual stocks and bonds, you might be wondering if getting commodities into your portfolio will add the final touch of diversification to it.

Investing in the commodities market is not really difficult and with a bit of research, you can probably profit from your transactions!

Trading in the commodities market has become more popular with the recent volatility in the stock market.

2. CURRENCY MARKET- In ancient times, people operated by the principle of barter and traded goods with each other as forms of payment. Today, the world runs on the power of currency, and there is a large variety of it across the world.

The rise and fall of the values, as well as the exchanges of these currencies offers immense opportunities for trading. That is why the Foreign Exchange Market, also known as the currency market, is a hotbed of currency trading.

Mutual Funds

What are Mutual funds?

A mutual fund is a company that pools money from many investors and invests the money in securities such as stocks, bonds, and short-term debt. The combined holdings of the mutual fund are known as its portfolio. Investors buy shares in mutual funds. Each share represents an investor’s part ownership in the fund and the income it generates.

Why do people buy mutual funds?

Mutual funds are a popular choice among investors because they generally offer the following features:

• Professional Management. The fund managers do the research for you. They select the securities and monitor the performance.

• Diversification or “Don’t put all your eggs in one basket.” Mutual funds typically invest in a range of companies and industries. This helps to lower your risk if one company fails.

• Affordability. Most mutual funds set a relatively low amount for initial investment and subsequent purchases.

• Liquidity. Mutual fund investors can easily redeem their shares at any time, for the current net asset value (NAV) plus any redemption fees.

Life Insurance

What Is Life Insurance?

Life insurance is a contract between an insurer and a policyholder in which the insurer guarantees payment of a death benefit to named beneficiaries when the insured dies. The insurance company promises a death benefit in exchange for premiums paid by the policyholder.

Types of Life Insurance Plans:

Term Life Insurance

Unit Linked Plans (ULIPs)

Endowment Plans

Money Back Life Insurance

Whole Life Insurance

Child Plan

Retirement Plan

General Insurance

Life is filled up with excitement. But at the same time it is full of risks. Some uncertainties and unexpected events can really put you down.

General Insurance or Non-life Insurance helps you to safeguard yourself and the things around, which you value a lot. These may include your home, car and other valuables like money lending, professional casualties other than death, etc. These valuables carry a lot of financial risks. Therefore, General Insurance Plans provide financial protection from the impact of fire, storm, flood, earthquake, car accidents, theft and other travel accidents.

It also covers us from the expenses spent on the legal actions. In short, you have the option to choose the right type of cover and the right type of insurance policy as per your requirements.

The tenure for a general insurance is not like the tenure we have in life insurance. Mostly these types of insurance are yearly contracts.

Do not get confused between Life Insurance and General Insurance. They both cater to different aspects in life. Life Insurance looks after risks of death and its consequences, whereas, General Insurance helps in protecting risks due to other aspects of life and its diverse assets.

Types of General Insurance: Motor/Vehicle Insurance, Health Insurance(Mediclaim), Travel Insurance, Home Insurance, Stock Insurance, Marine Insurance, Fire/Earthquake/Burglary Insurance.

Tax Planning

What Is Tax Planning?

Tax planning is the analysis of a financial situation or plan from a tax perspective. The purpose of tax planning is to ensure tax efficiency. Through tax planning, all elements of the financial plan work together in the most tax-efficient manner possible.

Tax planning is an essential part of an individual investor's financial plan. Reduction of tax liability and maximizing the ability to contribute to retirement plans are crucial for success.

How Tax Planning Works?

Tax planning covers several considerations. Considerations include timing of income, size, and timing of purchases, and planning for other expenditures. Also, the selection of investments and types of retirement plans must complement the tax filing status and deductions to create the best possible outcome.

• Tax planning is the analysis of finances from a tax perspective, with the purpose of ensuring maximum tax efficiency.

• Considerations of tax planning include timing of income, size, timing of purchases, and planning for expenditures.

• Tax planning strategies can include saving for retirement in an IRA or engaging in tax gain-loss harvesting.

Financial Planning

What Is a Financial Plan?

A financial plan is a document containing a person's current money situation and long-term monetary goals, as well as strategies to achieve those goals. A financial plan may be created independently or with the help of a certified financial planner.

In either case, it begins with a thorough evaluation of the individual's current financial state and future expectations.

• A financial plan documents an individual's long-term goals and creates a strategy for accomplishing them.

• The plan should be highly individualized to reflect the individual's personal and family situation, risk tolerance, and future expectations.

• The plan starts with a calculation of the person's current net worth and cash flow.

Research & Analysis

What is fundamental and technical analysis?

Fundamental analysis is about understanding the business of the company, its growth prospects, its profitability, its debt etc.Technical analysis focuses more on charts and patterns and tries to find out past patterns to apply for the future. Fundamentals are used more by investors while technicals are used more by traders.

1. Fundamental Analysis: This process combines the other factors that influence prices in markets, like global events, tragedies and occurrences. These factors affect prices over the long term, so this process of investing is mainly for investors who want to invest for a medium to long tenure. It is best to adopt a combination of both technical and fundamental analysis to avoid price swings in the short term market.

2. Technical Analysis: This process involves decoding chart patterns by extensive reading of the financial markets. It is best suited for people who want to invest for the short term.

3. Data Analysis: Data analysis is the most crucial part of any research. Data analysis summarizes collected data. It involves the interpretation of data gathered through the use of analytical and logical reasoning to determine patterns, relationships or trends.

Advisory Services

In this competitive era of vast modernization, maintaining your existence in the business industry is a tough task. In every vertical whether it be services, education, legal or business; there is an arduous competition.

Every organization is trying to step on its rivals to move ahead and stay at the curve. In this world of prodigious opportunities and complexities, business organizations are looking forward to establish new connections and are finding new ways for innovation.

Advisory services are provided with the goal to support undertakings and overcome weakness in specific areas like finance, business, legal etc.

Proper advisory services are required by every organization out there to leave a blemish on the audiences mind and the stakeholders too.

Advice on Financial aspects: