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Other Services

Our range of services include Financial Planning Services, Investment Advisory Services, Wealth Management Services, Tax Planning Services, Insurance Planning Services and Mutual Fund Services.

Financial Planning Services
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Financial Planning is the process of meeting your life goals through the proper management of your finances. Life goals can include buying a house, saving for your child’s higher education or planning for retirement. The Financial Planning Process consists of six steps that help you take a ‘big picture’ look at where you are currently. Using these six steps, you can work out where you are now, what you may need in the future and what you must do to reach your goals. The process involves gathering relevant financial information, setting life goals, examining your current financial status and coming up with a strategy or plan for how you can meet your goals given your current situation and future plans.

Benefits of Financial Planning:

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. For example, buying a particular investment product might help you pay off your mortgage faster or it might delay your retirement significantly. By viewing each financial decision as part of the whole, you can consider its short and long-term effects on your life goals. You can also adapt more easily to life changes and feel more secure that your goals are on track.

Need for Financial Planning:

Financial Planning offers a coordinated and comprehensive approach to helping you achieve your personal and reasonable financial goals. Building, managing and preserving wealth is not an easy task. Maybe you have recently retired and are concerned about outliving your nest egg. Perhaps you are a baby boomer trying to plan for a secure retirement. Maybe you are part of the “sandwich generation”, caring for your own children at home while also caring for the needs of aging parents. Maybe you are recently widowed or divorced with all of the complications that these life challenges bring. Maybe you have accumulated substantial wealth and want to protect your assets from lawsuits, spendthrift relatives, divorce or other potential threats not only to yourself but also to your heirs. Further complicating the financial landscape is the vast array of advisors and publications that typically offer conflicting opinions and advice. Fortunately, CERTIFIED FINANCIAL PLANNER™ practitioners are available to assist you in the process of developing a sound financial plan. Selecting appropriate investments is simply one ingredient in the recipe for an effective financial plan that should also include retirement and estate planning. An experienced financial assessment team will help you to 

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Investment Advisory Services
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Investment advisory is for individuals who wish to invest money as per their stated objective. We help them to choose products from a wide range of mutual fund schemes, direct equities, bonds, structured products and insurance-based investment products. We help to choose products and create a solution that is much in line with their risk appetite and short term financial objectives.

The Role of the Financial Advisor

The Financial Advisor guides investors through an ongoing consulting process designed to lead them towards their investing goals by formulating a policy that suits their investment strategy.

This process may include the following:

  • Setting Goals and Guidelines: A Financial Advisor helps investors to identify financial goals and expectations that can be translated into a long-term investment plan.
  • Determining Asset Allocation: Based on the investor objectives, the Advisor suggests an asset allocation divided among stocks, fixed income, debt, cash, structured products and other investments and also determine which investment vehicles are most appropriate
  • Selecting Investment Managers and Investment Vehicles: After asset allocation, our Consultant will recommend specific portfolio managers and funds.
  • Managing and Monitoring Investor Accounts: Financial Advisor helps in monitoring clients account and managing it according to market.
  • Ongoing Personal Service: our financial advisor will provide you customized service at any point of time whenever an investor wants. Also the Financial Advisor may help you put investment performance in the proper perspective, and help you decide whether it may be appropriate to:
    1. Modify your expectations to reflect a changing market;
    2. Adjust your risk considerations; or Reallocate the assets in your portfolio.

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Wealth Management Services
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We all have objectives we want to achieve in life, but without precise financial planning, how do we expect our money and assets to work in favor of our goals? Some of us have worked hard to achieve a facet of wealth, while others aspire to be financially independent. Our goal is to assess our clients’ current financial situation, understand their future aspirations, then systematically and strategically provide comprehensive quality financial products. Our service is designed to offer honest, transparent, tangible and realistic results in both the creation and preservation of wealth while paying particular attention to Risk Management. In essence, allowing us to do what we do best, allows you to get on with what you do best.

Our Roles & Responsibilities:
» Minimize tax liabilities
» Risk Management
» Educate / Update clients’ on investments
» Protect that which has accrued over time
» Deliver a Personalized Cash Flow Chart
» Periodic “Updates” to maintain its alignment with the goals
» Available at all times to help find suitable solutions for your concerns

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Tax Planning Services
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Tax Planning Services

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There is more to tax planning than exemptions available on savings. With our advice, you will pay the right amount of tax, not more and not less. You will also know how to tax proof your incomes and gains. After all, your capital is more productive in your hands and it can work wonders for you if planned properly.

We guide you in the Planning & managing your finances and achieving your financial goals. Basic planning starts with Tax planning as good tax planning can increase the take home salary. These investments can also cater to a few of your needs if this is well planned. Tax planning is not restricted only to tax savings investments (Section 80C). There are several other components E.g HRA, Home Loans, LTA, Re-imbursements, etc to reduce the taxable income.

Our Advice:

•  By careful planning, one can reduce tax liability substantially.
•  Declaring at the start of the FY is most important
•  Don’t wait for last minute. Start in April and use monthly investments to reduce risk. It will be easier on your pocket as well.
•  Try and achieve tax planning and also planning for your needs simultaneously
•  Use tax efficient investment avenues. You should not be paying too much tax on their returns

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Insurance Planning Services
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Insurance is one of the most important financial topics in today’s complex world. Failure to have sufficient insurance coverage is the quickest and easiest way to accrue mass debt. Nothing will make your business, car, house, family, or self more vulnerable or susceptible to financial strain than a lack of adequate insurance. However, paying too much for insurance can be a financial strain in itself. And paying for insurance that is not needed is just money down the drain.

Many people have a preconceived notion that insurance is just a waste of money, something that is not necessary. This is not true. Almost everyone needs insurance. How do you know? If you own anything that cannot be easily replaced without economic hardship, it should be insured. If your house burned down, what would you do? If you became disabled at work, would there still be food on the table? Or, in the worst case, would your family be provided for if you passed away?

Hopefully, you now realize that insurance is a necessary part of today’s world. So let’s move on. There are four questions you should have in mind when you set out to purchase insurance.

  • What kinds of insurance do I need?
  • How much of each kind do I need?
  • Who do I insure from?
  • How do I get the best deal?

At Mentor Wealth, we emphasize on Financial Risk management. Financial risk planning places a heavy emphasis on protecting the financial assets and resources of an individual or an organization. Financial risks will generally be managed through the usage of various financial instruments based on what the need is.

Insurance is a basic form of risk management which provides protection against possible loss to life or physical assets. Insurance enables us to live our lives to the fullest, without worrying about the financial impact of events that could hamper it. In other words, insurance protects us from the contingencies that could affect us.

At Mentor Wealth, the endeavor is to always design a risk management plan which is structured and systematic and the aim is to be both transparent and inclusive at all times.

  • Low and affordable Premium with maximum cover
  • Assistance at your doorstep
  • Tailor made plans to suit your financial needs
  • Help desk for all your queries
  • Hassle free and transparent dealings

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Mutual Fund Services
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Mutual Fund Services

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A mutual fund is simply a financial intermediary that allows a group of investors to pool their money together with a predetermined investment objective. The mutual fund will have a fund manager who is responsible for investing the pooled money into specific securities (usually stocks or bonds). Mutual funds are one of the best investments ever created because they are very cost efficient and very easy to invest in (you don’t have to figure out which stocks or bonds to buy).

How it Works?

A mutual fund is a collection of stocks, bonds, or other securities owned by a group of investors and managed by a professional investment company. For an individual investor, having a diversified portfolio is difficult. Mutual funds helps the individual investors to invest in equity and debt securities simultaneously. When investors invest a particular amount in mutual funds, he becomes the unit holder of corresponding units. In turn, mutual funds invest unit holders’ money in stocks, bonds or other securities that earn interest or dividend. This money is distributed to the unit holders. If the fund gets money by selling some stocks at higher price the unit holders are liable to get the capital gains.

Advantages of Mutual Fund:

Professional Management: The primary advantage of funds is the professional management of your money. Investors purchase funds because they do not have the time or the expertise to manage their own portfolio. A mutual fund is a relatively inexpensive way for a small investor to get a full-time manager to make and monitor the investments.

Diversification: By owning “shares”(known as “units”) in a mutual fund instead of owning individual stocks or bonds, your risk is spread out. The idea behind diversification is to invest in a number of assets so that a loss in any particular investment is minimized by gains in others. In other words, the more stocks and bonds you own, the less any one of them can hurt you. Large mutual funds typically own hundreds of different stocks in many different industries. It wouldn’t be possible for a small investor to build this kind of portfolio with a small amount of money.

Economies of Scale: Because a mutual fund buys and sells large amounts of securities at a time, its transaction costs are lower than you as an individual would pay.

Liquidity: Just like an individual stock, a mutual fund allows you to sell the units at any time.

Simplicity: Buying a mutual fund is easy! The minimum investment is also very small. As little as Rs 500 can be invested on a monthly basis. Just contact us to know more.

History of Mutual Fund:

The origin of mutual fund industry in India was with the introduction of the concept of mutual fund by UTI in the year 1963. It accelerated from the year 1987 when non-UTI players entered the industry. In the past decade, Indian mutual fund industry had seen a dramatic imporvements, both qualitywise as well as quantitywise.

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Life Insurance Services
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Life Insurance Services

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Life Insurance is a contract by which you can protect yourself against specific losses by paying a premium over a period of time. Since each one of us, during our lives are faced with numerous risks – failing health, financial losses, accidents and even fatalities, our instinct drives us to cover ourselves against those risks. Though an insurance cover can’t protect you against the emotional losses arising out of these risks, it softens the economic crisis that usually accompanies these losses.

Simply put, life brings with it many surprises, both pleasant and unpleasant. By taking a Life Insurance Plan one can ensure that he / she is better prepared to face uncertainties in number of ways.

•  Keep the highest possible term
•  Keep the maturity age as long as possible
•  Talk to 4-5 insurers or visit their websites to get premium rates
•  Choose the plan that has the lowest premium at your parameters
•  Undergo medical tests, if required
•  Keep the nominees informed
•  Pay premiums every year

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Retirement solution is a much sought and discussed subject in our time. It is said that retirement planning is never too late though ideal if you start it at very young age. Retirement is the ultimate reality that happens to a working professional and it should be the most enjoyable phase of an individual. Effective retirement planning gives individual a benefit to retain their financial independence even after their work life. Thus, retirement planning is as important as your education and marriage. We must understand that future largely depends on the choices that we make today. An individual will be able to maintain high standards of living with the help of effective retirement planning.

Benefits of Retirement Plans

Retirement plans helps us to make large corpuses that can be utilized to achieve any financial goal after we stop working.
An individual can start investing with a very low sum at a very early age.
Retirement planning starts at a point when you know your life goals and then to accompany these goals with a sound financial plan that helps you to meet these objectives upon retirement.

Features of Retirement Plans

We must overcome one obstacle which is that no clue is available with us for how long we are going to live. There are certain things for an effective retirement like you must decide how much money you require to live a comfortable life after retirement and ascertain how much you require investing to achieve this goal.

You should invest in a right investment cum retirement plan to build determined corpus.

Most of the retirement plans offered in the market either provides you fixed monthly income or a lump sum after you retire from your professional life.

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NRI Services

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India has turned into a splendid investment destination for Non Resident Indians and persons of Indian origin. A growing & robust economy, a strong Rupee and profitable companies have together ensured that investors get maximum returns from both equity and debt markets. A highly transparent and automated stock exchange and a resonant mutual fund industry have ensured that investments are liquid and transparent. Taking advantage of this environment and our proven experience in the market.

We offer the entire gamut of financial planning and advisory services to NRIs and also provide additional services such as tax filing in India.

Investment Avenues:
The following investment avenues are available for the Non-Resident Indians in India
»  NRIs are permitted to invest in Government securities through primary dealers.
»  NRIs are permitted to purchase non-convertible debentures of Indian Companies, Fixed Deposits with Public Limited Companies, commercial papers issued by Indian companies, bonds issued by Public Sector Units (PSU’s).
NRIs are permitted to invest in mutual funds both on repatriable as well as non repatriable basis. There is no limit for investment in domestic mutual funds.
»  NRIs can make investments in shares and convertible debentures of Indian Companies both on repatriation and non repatriation basis. This is provided the company is not involved in plantation, real estate or agricultural business. NRIs can make investments both in the primary as well as secondary market.
»  General permission is available to a NRI, being an Indian Citizen, to invest in immovable property in India, provided funds are if from outside India or through NRE/ FCNR accounts. NRIs / PIOs can freely rent out their immovable properties, without seking any permission from RBI.
»  NRIs are now not permitted to invest in bearer securities like Indira Vikas Patra/Kisan Vikas Patra, National Savings Certificates , Public Provident Fund, RBI Bonds, Senior Citizen Savings Scheme 2004. Investment already made, if any, shall persist.

Extent of Tax Liability:
Based on the residential status of a tax payer and the place where the income is earned, the income that is included in the total income is as under:

All incomes whether earned in India or outside India

Not Ordinarily Resident:
All incomes:
»  Earned in India, and
»  All incomes earned outside India if the same is derived from a business which is controlled in India or from a profession which is set up in India.

Non Resident:
All incomes earned in India

Double Taxation Avoidance:
Since a resident is liable to pay tax in India on his ‘total world income’, it is possible that he may have to pay tax on his foreign income in that country also. To avoid such a situation the Government of India has entered into agreements for avoidance of ‘double taxation’ with different countries.

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General Insurance or Non-life Insurance policies is a practical option for every person who would like to live a risk-free life. Risk is associated with everything and so, it is important to secure all the things that we own and that security is provided by insurance. General insurance covers insurance policies fire, marine, motor, accident and other miscellaneous non-life insurance.

The tangible assets are susceptible to damages and a need to protect the economic value of the assets is needed. For this purpose, general insurance products are bought as they provide protection against unforeseeable contingencies like damage and loss of the asset. Like life insurance, general insurance products come at a price in the form of premium.

Types of General Insurance – Individuals:
Health Insurance:
Protect your greatest asset good health.
»  Individual and Group- Ordinary and Floater health Insurance Policy.
»  Cash free hospitalization in more than 1400 hospitals across India.
»  Reimbursement of expenses during Pre- Hospitalisation and Post- Hospitalisation stages of treatment.
»  130 minor surgeries that require less than 24 hours hospitalization covered under the UNIQUE day care procedure.
»  Reimbursement of expenses incurred on ambulance services to the nearest hospital where Emergency Health facilities are available.

Motor Insurance:
»  Protection from a financial loss arising out of loss or damage to your vehicle.
»  Protection from liability towards third parties for personal injury.
»  Protection death and property damage on account of any accident involving your vehicle.
»  Cash Less and Hassle free Claim procedure.

Travel Health Insurance:
There’s a lot you’re exposed to while traveling abroad. And even though you’ve planned everything down to the smallest detail, there’s no telling when a calamity might strike. A sudden illness, loss of baggage, a financial emergency…. with Travel Health Insurance from you can be sure you’re covered for a whole host of calamities that may occur while traveling abroad.

Personal Accident:
An accident can happen at any time. And it could leave you with permanent harm or temporary disability, both of which could affect your life and your family.

Home Insurance:
Home insurance policy is designed to cover various risks and contingencies faced by home ownersand Safeguard the structure and contents of your home against natural calamities and human misintents. Get a comprehensive coverage for the lowest premium rate.

Types of General Insurance – Commercial/ Corporate:

Marine Insurance:
Marine Cargo Insurance provides coverage for loss of or damage to goods in transit by any mode like rail, road, sea, air, post, courier etc., either inland purchases/sales or global imports/exports. Marine insurance cover can be provided for export and import shipments.

Corporate Employee benefit Insurance:
Group Mediclaim Policy is the perfect health protection for the employees and their family. It takes care of the expensive medical treatment incurred during hospitalization resulting from an accident or illness. It take care of preexisting diseases and also few critical illness.

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