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High Risk

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Every Person should have answers to these Questions to have a Wise and Secure Future

  • How much to save monthly to spend a tension free retirement life?
  • What is the ideal Insurance and insurance coverage?
  • What is the ideal quantum of savings to smoothly meet Children education, marriage expenses etc.
  • What is the ideal investment portfolio?
  • What is the ideal time to reallocate portfolio?
  • How to Execute the plan?

 

So, if you have Answers to these Questions, there is no need of any Professional Financial Planner. But, If you don’t, it’s the right time to appoint a financial planner. Our team shall be happy to help you in purchasing apt financial instrument.

Some of the Popular Investments Products are –

Stocks/Commodities
When you buy stock, you are becoming part owner of the business. This allows you to potentially receive profits that the company allocates to its owners. Those profits are dividends. A stock can also appreciate in value, based on the success of the company. These are higher risk but have good long-term potential to make bigger profits. Apart from stocks, there are investment options in Commodity and Currency Instruments.

Real Estate
Real Estate that generates income or is otherwise intended for Investment purposes rather than as a primary residence. It is common for investors to own multiple pieces of Real Estate, one of which serves as a primary residence, while the others are used to generate rental income and profits through price appreciation. We categorise investment in just launched projects as High Risk due to execution risk, and Investment in completed projects as Moderate Risk.

Equity Investment in other unlisted companies
This is high risk with high reward investment product, where you buy shares of Startup or Unlisted Corporates with a expectation of exponential growth in future. An investor should always keep in mind, Taxation and Liquidity aspects while dealing in unlisted securities.

Peer to Peer Lending (P2P)
Lately a new concept has evolved in India, known as Peer to Peer Lending, although this is still not regulated in India (under discussion stage). Under this method, an individual can borrow money at a market driven rate of interest and an investor can lend to these borrowers at interest rates as high as upto 30% p.a.. Generally these are online platforms which provide a common place for borrowers and investors, here investors can check details of listed borrowers requiring funds and if they find it suitable they can lend it to these desired borrowers. Here the role of online platform company is to perform due diligence of borrowers, sign agreements and ensure possible recovery (if delays), for this they charge processing fee as well as upfront fee for registering as borrower/investor. It has gained traction in India as it is provides high returns to investors and quick and easy disbursement to borrowers.

Bitcoin/Other Crypto currencies
Bitcoin is an innovative payment network and a new kind of money. It is a digital currency in which encryption techniques are used to regulate the generation of units of currency and verify the transfer of funds, operating independently of a central bank. Returns can go as high as 1000% p.a., However it is a very risky product. This also is yet to be regulated in India