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Prominent & Leading Service Provider from Ulhasnagar, we offer Financial Planning, Single Element Planning, Mutual Fund, Life Insurance, Wealth Management and Retirement Planning.

Financial Planning
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Financial Planning

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Financial planning is the process of meeting your financial goals through the proper management of your finances. Financial goals can include buying a home, savings for your child’s education, planning for your retirement or estate planning.

Walmor helps you to work out on where you are now, what you may need in the future and what you must do to reach your goal by the process that involves gathering relevant financial information, setting financial goals, examining your current financial status and coming up with a strategy for a plan on how you can meet with your goals, and map the gap.

Benefits Of Financial Planning:

Financial planning provides direction and meaning to financial decisions. It allows the client to understand how each financial decision they make affects other areas of their finances.

For eg. Buying a particular investment product might help them pay of their mortgage faster or it might delay the retirement significantly. By viewing each financial decision as part of the whole the client can consider its short and long term effects on their life goals. The client can also adopt more easily to life changes and feel more secure that their goals are on track .

You Pay For It Because:

  • You want to engage the services of a qualified professional and ensure quality advice.
  • You save money when you avoid making wrong investment decisions.
  • Financial plan precedes any advice on products and to that extent, is completely unbiased.
  • You put your trust in the hands of an expert and your mind at ease.

Our Process
Our approach to financial planning is simple and straightforward. However, it is also important that you fully understand our consultative process and our step by step approach.

Evaluate Current Position

This is the first stage of our interaction. It involves evaluating your current situation which includes cash flow analysis, calculating your net worth, reviewing your insurance coverage for life, disability, home, auto, health etc.

Identify Goals

We then go about clearly establishing the objectives of the financial plan so that, several goals can be balanced. The goals could be short, medium or long-term and could include child’s education, marriage, your retirement etc.

Work Out the Plan

We then work out a clear strategy in line with your objectives and risk tolerance. Drawing up a winning asset allocation so that your financial goals are met is fundamental to a successful plan.

Implement the Plan

We will assist you in the process of implementing the plan by suggesting the optimal mix of products and services that are essential for the success of the plan.

Report Periodically

Once the plan is implemented we will monitor the progress on an on-going basis. We will periodically report the progress and measure the results achieved vis-à-vis the plan.

Review & Rebalance

 

Financial planning is a dynamic process. We will annually review the plan and progress made, to see if any modifications are required due to changes like inheritance, change in job status, birth or death in the family etc.

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Single Element Planning
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Single Element Planning

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Investment Planning:

Everyone needs to save for a rainy day. Once you have saved enough to take care of emergencies, you should start thinking about investing and to make your money grow. We can help you plan your investments so that you can reap adequate benefits and achieve your financial goals. It includes risk profiling, creation of investment portfolio, assets allocation, creation of wealth, periodical review and re-balancing.

Retirement Planning:

It is the biggest component of Financial Planning as Your working period (Accumulation Phase) & Retirement period (Distribution Phase) are almost equal. We will help you in planning your retirement. We will help you in creating a portfolio which will take care of your lifestyle expenses. We will help you in taking care of your future expenses like Children’s Education, Buying House etc.

Child Future Planning:

It is done to secure your child's future by arranging funds for his higher education and marriage. It should be started as soon as your child is born. The expenses for education and marriage are rising everyday and we will help you formulate a defined financial strategy to achieve these goals.

Tax Planning:

Tax planning is an important part of financial planning. Efficient tax planning enables you to reduce your tax liability. With our advice, you will pay the right amount of tax. This is done by legitimately taking advantage of all tax exemptions, deductions rebates and allowances while ensuring that your investments are in line with your long term goals.

Insurance Advisory & Risk Management:

Protecting you and your loved ones against potentially devastating, unforeseen events is at the foundation of any sound financial plan. We will analyze your existing protection through Term & Health insurance and will recommend additional coverage if required.

Estate Planning

We generally associate estate planning with people who have tons and tons of money and horde of relatives hungering after it! But what we need to realize is that No matter what your net worth, it's important to have a basic ESTATE PLAN in place.

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Mutual Fund
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Mutual Fund

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Investing in a mutual fund is like an investment made by a collective. An individual as a single investor is likely to have lesser amount of money at disposal than say, a group of friends put together. Now, let's assume that this group of individuals is a novice in investing and so the group turns over the pooled funds to an expert to make their money work for them. This is what a professional Asset Management Company does for mutual funds. The AMC invests the investors' money on their behalf into various assets towards a common investment objective.
Hence, technically speaking, a mutual fund is an investment vehicle which pools investors' money and invests the same for and on behalf of investors into stocks, bonds, money market instruments and other assets. The money is received by the AMC with a promise that it will be invested in a particular manner by professional managers (commonly known as fund managers). The fund managers are expected to honour this promise. The SEBI and the Board of Trustees ensure that this actually happens.

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Life Insurance
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Life Insurance

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You will do anything for the ones you love.Thinking about why you need life insurance can be an emotional and stressful task. However, life insurance is one of the most responsible decisions you can make to help ensure that your spouse, children or other loved ones can continue to enjoy the quality of the life they deserve. Life is unpredictable.
So it is important to ensure that your family and loved ones are taken care of financially in case something should happen to you. This is where life insurance comes in.It can provide some financial peace of mind if the worst were to happen.

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Wealth Management
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Wealth Management

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Wealth Management is a discipline that incorporates financial planning, Investment portfolio management and a number of financial services. It is a professional service it can also encompass all parts of a person’s financial life. Wealth management is done by wealth managers. Wealth managers can be MBAs, CFAs & Certified Financial Planners(CFPCM) or any credentialed professional money manager who works to enhance the growth and income. Investors must have already accumulated a proper amount of wealth for wealth management strategies to be efficient and effective. It can be provided by large company entities, independent financial advisers or multi-licensed portfolio managers. Their services are designed to focus on high-net worth customers. Wealth Managers use their experience in estate planning, risk management and legal specialists, to manage the holdings of high net worth client. Wealth managers must contain a current profile of client holdings.

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Retirement Planning
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Retirement Planning

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With the growing complexity of retirement, more and more people are getting concerned about retirement and its planning. Once you have passed working age, it becomes difficult to Manage the expenses. During such times, careful retirement planning is the only thing, which can undoubtedly make your retirement period a golden era. Retirement planning, related term Which is often referred as allocation of financial resources so that its benefits can be fully achieved when you can no longer remain liable to work and earn.

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Financial Planning
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Financial Planning

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It is the process of meeting your financial goals through the proper management of your finances. Financial goals can include buying a home, savings for your childs education, planning for your retirement or estate planning.We help you to work out on where you are now, what you may need in the future and what you must do to reach your goal by the process that involves gathering relevant financial information, setting financial goals, examining your current financial status and coming up with a strategy for a plan on how you can meet with your goals, and map the gap.

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Insurance Planning
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Insurance Planning

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Insurance is an important risk management tool that can protect you and your family from financial hardship caused by unfortunate events. we work with you to identify your risks and implement a cost-effective risk management program that has been developed with your specific circumstances and requirements in mind.

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Estate Planning
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Estate Planning

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Create a legacy that provides for your family, supports the causes and charities you care about, and maintains your values and vision across future generations. Our experienced Estate and Trust professionals provide advice on tax-efficient wealth transfers, with a view to helping you:

  • Review your existing estate planning documents
  • Integrate your estate plans with tax, investment, business and insurance planning
  • Manage the issues associated with a sizable inheritance
  • Identify the most beneficial trust structures for your particular needs
  • Use tax-efficient wealth-transfer strategies
  • Carry out your philanthropic goals
  • Coordinate with legal counsel to modify your estate planning documents so they accurately reflect your wishes
  • Advise on business succession strategies
  • Support family wealth education

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Mutual Fund

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Mutual Fund is a vehicle that enables a collective group of individuals to:

  • Pool their investible surplus funds and collectively invest in instruments / assets for a common investment objective.
  • Optimize the knowledge and experience of a fund manager, a capacity that individually they may not have
  • Benefit from the economies of scale which size enables and is not available on an individual basis
  • Investing in a mutual fund is like an investment made by a collective. An individual as a single investor is likely to have lesser amount of money at disposal than say, a group of friends put together. Now, let's assume that this group of individuals is a novice in investing and so the group turns over the pooled funds to an expert to make their money work for them. This is what a professional Asset Management Company does for mutual funds. The AMC invests the investors' money on their behalf into various assets towards a common investment objective.
  • Hence, technically speaking, a mutual fund is an investment vehicle which pools investors' money and invests the same for and on behalf of investors, into stocks, bonds, money market instruments and other assets. The money is received by the AMC with a promise that it will be invested in a particular manner by a professional manager (commonly known as fund managers). The fund managers are expected to honour this promise. The SEBI and the Board of Trustees ensure that this actually happens.
  • Typical classification of mutual fund schemes on various basis:
  • Tenor refers to the 'time'. Mutual funds can be classified on the basis of time as under:
Open ended funds
  • These funds are available for subscription throughout the year. These funds do not have a fixed maturity. Investors have the flexibility to buy or sell any part of their investment at any time, at the prevailing price (Net Asset Value - NAV) at that time.
  • Close Ended funds
  • These funds begin with a fixed corpus and operate for a fixed duration. These funds are open for subscription only during a specified period. When the period terminates, investors can redeem their units at the prevailing NAV.
Asset classes
  • Equity funds
  • These funds invest in shares. These funds may invest money in growth stocks, momentum stocks, value stocks or income stocks depending on the investment objective of the fund. .
  • Debt funds or Income funds
  • These funds invest money in bonds and money market instruments. These funds may invest into long-term and/or short-term maturity bonds.
Real asset funds
  • These funds invest in physical assets such as gold, platinum, silver, oil, commodities and real estate. Gold Exchange Traded Funds (ETFs) and Real Estate Investment Trusts (REITs) fall within the category of real asset funds.
Investment Philosophy
  • Diversified Equity Funds
  • These funds diversify the equity component of their Asset under Management (AUM), across various sectors. Such funds avoid taking sect oral bets i.e.
Sector Funds
  • These funds are expected to invest predominantly in a specific sector. For instance, a banking fund will invest only in banking stocks. Generally, such funds invest 65% of their total assets in a respective sector.

Index Funds

  • These funds seek to have a position which replicates the index, say BSE Sensex or NSE Nifty. They maintain an investment portfolio that replicates the composition of the chosen index, thus following a passive style of investing.

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Corporate Deposits

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Net Asset Value (NAV)

NAV is the sum total of all the assets of the mutual fund (at market price) less the liabilities (fund manager fees, audit fees, registration fees among others); divide this by the number of units and you get the NAV per unit of the mutual fund.

Standard Deviation (SD)

SD is the measure of risk taken by, or volatility borne by, the mutual fund. Mathematically speaking, SD tells us how much the values have deviated from the mean (average) of the values. SD measures by how much the investor could diverge from the average return either upwards or downwards. It highlights the element of risk associated with the fund.

Sharpe Ratio (SR)

SR is a measure developed to calculate risk-adjusted returns. It measures how much return you can expect over and above a certain risk-free rate (for example, the bank deposit rate), for every unit of risk (i.e. Standard Deviation) of the scheme. Statistically, the Sharpe Ratio is the difference between the annualised return (Ri) and the risk-free return (Rf) divided by the Standard Deviation (SD) during the specified period. Sharpe Ratio = (Ri-Rf)/SD. Higher the magnitude of the Sharpe Ratio, higher is the performance rating of the scheme.

Compounded Annual Growth Rate (CAGR)

These funds invest in physical assets such as gold, platinum, silver, oil, commodities and real estate. Gold Exchange Traded Funds (ETFs) and Real Estate Investment Trusts (REITs) fall within the category of real asset funds.

Absolute Returns

These are the simple returns, i.e. the returns that an asset achieves, from the day of its purchase to the day of its sale, regardless of how much time has elapsed in between. This measure looks at the appreciation or depreciation that an asset - usually a stock or a mutual fund - achieves over the given period of time. Mathematically it is calculated as under:

Ending Value - Beginning Value x 100

Beginning Value Generally returns for a period less than 1 year are expressed in an absolute form.

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Child Education & Marriage

As a parent, you would not like to compromise your child's bright future regardless of the rising cost of living. Most of the parents start saving for Child Education from the birth of Child, which is a great. You too need comprehensive financial planning for your child’s education/ developmental needs. Here is the 5 step guide for your child’s future planning.

  • Set a Target Date
  • Set a Target Amount in Today’s Term
  • Find out the Amount you need on target date
  • Estimate the return which you can
  • Generate over your investments
  • Calculate per month Contribution
  • Buying a Dream Home
Owning a house has been a dream in almost all of us. But it’s undoubtedly a big decision in anyone’s life. There are few monetary aspects that matter in taking the big decision.

Ask yourself the following questions before going to purchase a house:

Can you afford to take the extra burden or seem better to stay in a rented house? Analyze your monthly spending and judge your affordability.

Loan & Debt Management

  • Taking a loan is part of almost everyone’s life these days. It could a Car loan, Home loan, business loan or personal loans to fund a variety of personal needs. Let’s be upfront - it’s sometime difficult to live a decent lifestyle today without meeting with a loan disbursement company at some point in time.
  • Taking a loan also means having to pay it back - with interest. The interest could be ‘fixed’ rate or ‘floating’ rate. Whichever way it is, you need to pay it back normally as fixed monthly installments or in lumpsum, or usually a mix of both.
  • These re-payments eats into your regular ability to save, while also commiting you to a certain lifestyle during the re-payment period. A good liability plan will go a long way in making this journey an easier one.
  • Changes in Employment/Starting new Business
  • During the different stages in your life, you may come across times when certain situations have led to a dramatic change in your financial circumstances, sometimes for the better or sometimes for the worse. Ask yourself following questions.
  • Budget & Cash Flow Planning
  • In simple terms, cash flow refers to the inflow and outflow of money. It is a record of your income and expenses.
  • Cash flow planning refers to the process of identifying the major expenditures in future (both short-term and long-term) and making planned investments so that the required amount is accumulated within the required time frame.
  • Cash flow planning is the first thing that should be done prior to starting an investment exercise, because only then will you be in a position to know how your finances look like, and what is it that you can invest without causing a strain on yourself. It will also enable you to understand if a particular investment matches with your flow requirement.
  • Cash flow plan brings you face-to-face with what you should ideally be saving, and investing in a systematic and regular manner, and what would it mean to you to withdraw from your portfolio after a couple of years. It brings down in numbers what your financial future has in store for you, and gives a clear view (as much as is possible with inflation and the interest rate scenario).
  • We give concrete advice on how to manage money so money doesn't manage you.

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Estate Planning

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The complexities of estate laws can lead many people to put off the crucial task of Estate Planning until it is too late. With competent legal help you can lay a solid foundation for protecting your life and those you love.
Proper estate planning encompasses more than executing a simple will. It establishes who will receive your assets at the time of your death; minimizes or eliminates the cost of probate; minimizes or eliminates estate taxes; provides detailed instructions for your care in the event of disability; determines who cares for minor children at your death, and allows you to maintain control of your assets both during your life and after your death.

Our services include:
  • Estate Plan Advisory
  • Preparation of Wills
  • Trust Formation
  • Trust Administration
By maintaining a thorough knowledge of current laws and by listening to you and understanding your needs, we can design a personalized estate plan that maintains your control while achieving your hopes and vision for your family and loved ones.

Time waits for no person, so don’t be complacent. Discuss your estate planning objectives, concerns and fears with us, so that together we can develop a plan, applicable to your unique financial situation and needs, for effectively transferring wealth to your beneficiaries.

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Tax Planning

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