Why in Investment in Latest Performing Mutual Funds a Progressive Choice?

Performing Mutual Funds
Modern Case Scenario
In this modern world of Investing, people like Warren Buffet and Geraldine Weiss, who are considered as legendary investors, have always advised not to depend on any single source of income and have continuously warned the world about the catastrophic results which over-dependence on any one source of earning can cause. In the past, we have seen scenarios such as the case of Jet airways where a huge group of people were retrenched and lost their jobs. Situations such as these have a major impact on the lives of those affected and their mere existence is often threatened due to lack of finance to support their needs and their families, coercing them to be indebted or forcing them to sell their precious possessions. This is why advisors usually recommend their clients to create a second source of income i.e. investment.
Investing in Mutual Funds
When we think about investment, the rate of return on investment is the first thing that strikes our brain and the risk factor, along with ROI, is one of the most important elements in making any investment decision. Now, the real question arises as to where should this money be invested into, many of the secured securities such as fixed deposit, bonds usually have a low rate of return accompanied with lesser risk and the securities with a higher rate of return such as shares of a company have a much higher risk component, thereby demonstrating the positive relationship between the risk factors and the gain. Here finding the right balance between the element of risk and adequate rate of return is very essential.

For people who wish to play on the safer side usually invest in debt securities and bonds, whereas people with higher risk appetite usually invest in equities. However, for investors who want to have a comparatively higher return than debt but want moderate risk, are often advised to invest in the latest performing mutual funds. The level of risk in a mutual fund depends on what it invests in. Mutual funds are said to be riskier than bonds but earn more returns on the investment.

So, till here we know that mutual fund is one of the best ways to get good returns on our investments by taking moderate risks. But, knowing how to invest in the best performing mutual funds could be a real hassle for common businessmen and investors.
We, at VSRK wealth creator, are committed to solve all your queries regarding investment and help you to decide the best Investment and course of action for your Wealth Management.
How we can help?
VSRK Wealth Creator is one of the best-known names amongst the leading financial consultants in Delhi. When you opt for our professional services, your investments in mutual funds are operated by our dedicated team of portfolio managers working devotedly along with our with specialized investment research team, to enhance your income on amount invested by allocating the funds into an enormous pool of securities in order to decrease the overall risk to
the minimum level possible and thereby providing you with high returns as well as comparatively low risks.
Being a financial consultant in Delhi, for the past decades, enables our experts to prudently examine various companies, their performances & growth, and after exhaustive analysis of all the necessary factors and elements select the best alternative, amongst the available investment option which is aptly suited to achieve the objective of wealth maximization.
Why Mutual Fund?
We believe in the golden investment adages such as “do not put all your eggs in one basket” and “never test the depth of river with both legs”. Investments in the leading performing mutual funds enable the users to be benefited from the diversification of the amount of investment into various alternatives. Such benefits of diversification were traditionally, available to High Net -worth Individuals (HNIs) who had large amounts to be invested, however investing in the best performing mutual funds provides the investors with such benefits of diversification, and also gives you an opportunity to invest with fewer funds as compared to other avenues in the capital market.
While on one hand wealth is being created, on another hand provides us with an option to en- cash our investment immediately. This helps us to maintain high cash liquidity, which is generally missing in most of the securities such as bonds and fixed deposits and might be of great help in emergencies. Along with all these benefits, the investors can choose from a large list of options to invest in, whether it is in a blue chip company, bond or any other security.
So, it can be concluded that best performing mutual funds are a great source for wealth creation, which provides the investors with comparatively high returns, moderate risks, high liquidity and a diversified option of securities to invest in.

Investment Solutions For the People Who Don’t Have Enough Money to Invest

People With Lower Incomes Have More Struggles

People with lower incomes have more struggles. They don’t have enough money for investing. In most cases they don’t have enough money left over after paying the expenses of daily life. The old saying says that money to make money clearly says it all. You should definitely have some  money or wealth to invest for the future sake. It is also true that if you don’t plan money management for the future and uninvited adversaries you will have to face big trouble. If someday you won’t be able to work and have enough savings for living that what you will you do in that case. Well to avoid these situations it is very important to plan investments.

We after talking to Best Wealth Management Companies in Delhi NCR put together some ideas for the people who don’t have enough funds to invest. There are many small funding Schemes in which you can invest :-

DRIPS (Dividend Reinvestment Plan)–  DRIPS, allow you to invest small amounts of money into dividend-paying stock, by purchasing directly from the company. Companies that allow you to make regular purchases of very small amounts of stock, and reinvest the dividends. This can add up to a big investment over time and, as you gain a larger balance, you may consider diverting some of these funds into other investments.

ETFs (exchange-traded funds)-  ETFs,or exchange-traded funds, are financial products that track the performance of a certain sector of the investment market. You can buy as little as one share of an ETF through a broker, and some of these ETFs track the performance of the total stock market, the bond market, and many others.

Target Date Funds- Target date funds, as the name implies, target your retirement date by changing the percentage of stocks and bonds to assure that your money remains safe as you approach retirement age.

If you want to hire Professional Financial Services for your business and funds investment you can contact to VSRK Wealth, one of the Investment Services Company in Delhi.

Why Finance Planning is Necessary For Everyone

Why Finance Planning is Necessary For Everyone

Financial planning a need for today

Financial planning in simple term means to plan your money wealth for future. in  Today’s world when everything is so expensive, the expenses without planning becomes a burden. If you will not plan the amount of money and finance you are going to spend in future, then it is gonna be trouble for you. If you run a business and you have the huge amount of money for your company’s funding in that case it is very necessary to hire a financial planner. There are many Certified Financial planner.

If you are a person who works in a company or have a job then too it is very important to do financial management and money planning. You can Invest your hard earned money in several Investment plans according to your amount and suitability. You can invest money in mutual funds, SIP mutual Fund investment, Bonds, Fixed Deposits. You can secure your future as well as your family and children’s future by taking Insurance policies.

Planning and investing your money can also be useful in saving the amount of taxes. There is a rebate in paying tax when you invest your money. So investment saves your money in many ways.

Financial planning should be started by everyone in early age. The more early you will plan your finance and start investing, the more benefit you will get in your future. Planning of finance gives you a security and leads you to live a better livelihood. It can give you to live your life more freely without worries of the changing financial situations. Financial planning also gives you a protection against any adversary.

You can contact best Financial Advisory firms in Delhi to plan your financial decisions. There are many Wealth Management Companies in Delhi NCR which provides many financial solutions. VSRK Wealth is the Fastest Growing Financial Services in Delhi. Which provides best financial products for all type investors. So start planning your Finance now.

What is the difference between Financial Planning and Financial Management

Financial Planning And Financial Management Are two different terms. People think these are similar, although the objective of both are same but still there is a difference between them. We have find out  the difference between Financial Planning and Financial Management after talking over with the Best Financial Planners in Delhi.

Financial Planning– Financial Planning Is the process of planning your finance for Future.  Financial Planning is the task of managing that how a business or individual will afford it’s finance, complete its future goals and Objectives. It is the process of determining that how an organization will achieve it’s financial aims. For planning your finance it is not necessary that you should have finance or money at the time of planning.

Objectives of Financial Planning-

Financial planning is done to achieve the following objectives-

  1. Financial planning helps in ensuring the requirements of funds whenever they needed.
  2. Financial Planning helps in controlling the wastage of funds in unnecessary resources.
  3. Financial planning reduces the risk of  uncertainties in changing market trends.
  4. Financial planning helps in obtaining the right financial Schemes for those resources which will be beneficial in Long-term.
  5. Financial planning helps in Delivering the funds at the right time at the right place.

Financial ManagementFinance And Money is the Vital need of any business and Organization. The source of finance is always limited. So therefore it is very important to manage finance in a right manner. Financial management is the process of planning, organizing, controlling and managing financial resources, with the aim of achieving all financial goals of organization.

Objectives of Financial Management-

The financial management is generally related with procurement, allocation and control of financial resource. The main objectives are-

  1. Financial management helps in ensuring the  regular supply of funds to the related concern.
  2. Financial management ensures the optimum utilization of funds.
  3. It helps in investing in safe areas, so that the great R.O.I. can be achieved.
  4. Financial management helps in  planning a good Financial Structure. There should be maintained  a fair balance between the debt and Equity Capital.
  5. Proper finance management helps in Maximization of Wealth and  profits.

Difference between Financial Planning and Financial Management- Although Financial Planning and financial Management are very similar. But still there is a difference. According to Financial Business Planner in Delhi The main Difference between Financial Planning and Financial Management is that you can plan your finance and financial goals for future, whether you have not money or finance at that time, but for financial management you should already have wealth and money to manage.

VSRK Wealth Creator is one of the Best Financial Distribution Company in Delhi. For effectively planning your funds and Finance you can also consult mutual fund services.

How are Fintech Companies creating disturbance in Banking Sector?

Times have changed and the technology has also challenged the status quo of the Financial Sector. The bombardment of mobile payment apps, online shopping, investments, mobile to mobile banking has made a tilt shift of 180 degrees in financial arena. The Banking System has been confronted by this new idea of Fintech Companies which are spreading its roots in India. People now-a-days to avoid paper formalities and finding ease of access through the internet, are switching from Banks to these Fintech Ventures.

Mobility has played a vital role in financial revolution. In this fast-paced World, one needs all the information and services on their smartphones. Financial Services traditionally needed an infrastructural setup (branches) and fixed assets to raise their entry for customer retention. While technology advancements now allow Fintech startups to virtually operate to deliver complex financial solutions. The digital transformation coupled with mobility gives the ease of excess to their clients who initially were forced to wait in long queues for making a deposit, requesting a check-book or conduct trades. That’s where these Fintech Companies earn trust and credence from the public at large giving flexible and adaptable options to their customers.

 

Ways how Fintech is creating disturbance in Banking Sector

Fintech venture opens the door to choose between various and multiple schemes which are available in market. Whereas, mostly bank can only promote their own products. Fintech not only offers numerous plans like mutual funds, pension plans or insurances but with the help of various tools and artificial intelligence draws a comparative analysis chart for the customer which eventually aids them to choose the right plan/scheme for their financial goals.

These Fintech Giants have incorporated the pop of online transactions and use of digital wallets, which eventually has made our life trouble-free than those times where we use to trade goats for wheat. Old fashioned banking transactions have been losing its charm. Today these e-wallets allows anybody to transfer funds from any place on the planet to any person having a mobile phone. This provides a faster, cheaper and more reliable way to transact than conventional banking system. Customers like to experiment with new methods offered by Fintech players which aids them track their payments, passbooks and account balance more transparently on their smartphones. In recent years we have also seen a rapid growth in block-chain, crypto-currency which has taken toll in the financial world by providing a swift way to transact.

Fintech players also empower customers with mobile applications which time to time notifies Portfolio Insights, Tracking of Goals, etc. This contributes customers to get information about their investments and holdings. The inheritance of Mobile Application embodies a platform which personalizes with each and every customer which mostly Bank fails to deliver. With all the statistics and data on one’s fingertips, customer is always updated. Neobanks are a very refined example for the same. In this digital sphere, Fintech endeavours from customer support chat-boxes, machine learning algorithms and biometric fraud analysis which attracts customer’s confidence.

Fintech ventures also promotes machine-learning through artificial intelligence which keeps a track of money laundering. These security software alerts while making any fraudulent payment or any virus attacks, which aids in check and balance of every transaction. Biometrics, facial recognition, iris scans and voice pattern adds a layer to the security system which increases the authenticity and reliability.

Financial Advisor in delhi ncr

– This article has been contributed by Swapnil Aggarwal, Director, VSRK Wealth Creator

 

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Why Do We Need Of Tax Planning ?

Tax planning- Tax Planning is the process of arranging your finance and wealth in a way that postpone, reduces or avoid the tax amount. If you plan effective tax strategies you can have more money to save to invest and to for expense, whatever you want. Tax planning minimizes your tax liabilities.

Right tax planning strategies permits you to do what you want along with reducing your taxable amount. You can achieve these benefits through Tax planning  Which we have bring for you with the consultation of our financial expertise.

  • Lowering the amount of Taxable Income- The most important benefit of planning tax is that correct tax planning can reduce the amount of tax to be paid. Tax Planning helps you to save money.
  • Minimizing the Litigation- There is always a war between the taxpayer and the tax collector. Taxpayer wants the Tax amount and liabilities to be minimum, And the collector wants that amount to be maximum. So in these cases Proper Tax Planning can minimize the litigation between both of them.
  • Helps in achieving the Financial Goals- Proper Tax planning can also help businesses and individuals to achieve their Financial goals. Because if the tax amount is reduced, one can use that money in other investments and needs with consulting the Certified Financial planner in Delhi, And this will benefit in achieving financial aims, and get more money into pockets.
  • Avoid Legal Trouble- Right tax planning and paying that tax on time with right legal laws will avoid the legal trouble. Because if you don’t pay tax on time then you will be liable for some legal actions. So tax planning can avoid your legal troubles.
  • Economic Stability Proper tax planning gives you and your Business economic stability. You can count your Financial crisis and growth . When you plan tax you evaluate your total growth and losses and then you can find ways to avoid unnecessary expenses. This can help you to stabilize your growth.
  • You Can Take Advantage of Tax Laws- Every year government make changes in the tax laws. These law changes can benefit you if you plan your tax before that particular law (which can give you benefit) changes or expires. Or maybe you have to wait for the next year to get benefit from new law. Planned tax can help you to take advantages of particular laws.

If you are looking for best tax planning services you can contact and plan your Tax through the help of VSRK Wealth.

Is It Safe to Invest in Mutual Funds in India?

Systematic Investment Plan is investing a fixed amount at a fixed time interval(monthly, quarterly or annually) in a given Mutual Fund. An investor commits to invest a specific amount for a continuous period at regular intervals, this ensures that he gets more units when prices are lower and fewer units when prices are high, this works on the principle of rupee cost averaging when invested at different levels and automatically participate in the swing of the market. You can earn compound interest on your deposits on a monthly basis, thereby, increasing your investment amount significantly over the long run.

Choosing the Best SIP: Choosing a Right Sip is very important. Before selecting the right sip just Keep in mind the following factors, Which we have written after consulting the Best Financial Planner in Delhi-

Objective of Investing: When you think about investing in sip mutual fund, then you should have known the objective of investing. You have to ask yourself that what is the amount of risk you will have to take, and secondly the time period of investing. Then you can make a logical decision that which type of fund investing you really need.

Performance & Returns you will get: Before Going into investment, you should study about the investment plans, and the type of funds. Make a comparison on the performance basis. The comparison of performance on the time period basis will tell you the power of that fund and investment plan. Try not to invest on those plans which is strong towards market fluctuations.

Selecting right Fund House: A fund house or an Wealth management company is the company that manages Mutual Fund. If you select the right fund house, it will help you in getting good return on investment. Fund will be as good as the fund house you will choose. Your fund house will take decisions for your fund investments. If the fund house will not take the right decisions the investor will end up losing money. So before selecting your fund house properly read about the right Best Mutual Fund Advisor Delhi and fund house, and about the scheme you want your money to get invested. This will help you to reach your investment dreams.

Fund type: There are four types of sip investment plans are there. You can choose according to your amount and of goal of investment. These are-

Top-up SIP: Top-up SIPs allow investors to increase your amount at regular time period. You can increase the amount of investment if you think that the fund scheme in which you invested is performing well.

Flexible SIP: Flexible sip as its name shows are flexible. In these investment plans you can increase and decrease the amount of investment as per your financial situations. If investor runs out of money he can skip the payment, And when the investor has good amount of money he can deposit that in his sip account.

Perpetual SIP: Usually the investor signs ups in sip mutual funds for particular period of time like we can say 1 or 2 or 5 years. But if you don’t want to enter the time of end date then it is called as perpetual sip. This Sip gives option to the investor to redeem his fund when he wants to. Or whenever he feels that his financial aims are completed. Nevertheless, it is always to start SIP for a fixed period of time.

Trigger SIP: Trigger Sips are best for those investors who are aware and has some knowledge about the financial Markets.

Ratio of Expense: If you have researched enough and you find the funds that are similar in nature, then you can select the right fund according to their expense ratio. you can choose among them on the basis of expense ratio. This includes management fee and Total administrative price. a high expense ratio will knock down a fund’s performance.

Entry Load And Exit Load: Previously investing there was entry fee in the form of entry load, but , Securities and Exchange Board of India (SEBI) has stopped funds from levying an entry load. Therefore now, the only time you pay is when you leave a fund or we can say when you redeem the fund. This amount is called exit load. The amount of exit load differs with time period, amount of investment and scheme type. These Exit loads are regulated by SEBI.

These SIPs are the subject of market risks. You can ask for right portfolio management services from the right Certified financial planner in Delhi NCR.

Do not Undermine the Importance of Health Insurance: Get it Now!

Having health Insurance for yourself and your family is very Important. Medical treatment and care is very costly thing. If somebody is hospitalized the amount which can be spend on the medical bills can destroy your all budget plans. And if the only person who earns becomes sick then it is very tough for the family to bear those expenses. All these problems can be solved by taking the right health insurance. A right health insurance policy can cover all the health aspects of medical health emergencies. Included hospitalization charges. Medical emergencies are uncertain and it is not necessary that everyone has good amount of money for these sudden situations. So It is always advised to planning the right healthcare.

Benefits of having a Health insurance Policy

  • Cash-free Treatment: If you take health insurance then if you have any medical emergency then you don’t have to run after for cash to deposit. Because your insurance company will collaborate with the hospital from your behalf.
  • Covering pre-existing diseases: Insurance policy also covers the pre-existing diseases if you choose the right medical health policy.
  • Transportation Charges: Insurance policy also covers the amount which is spend in transportation of the insured. The charges of ambulance and other transportations.
  • No Claim Bonus: If the insured person doesn’t file the medical claim in the gone year then the insurance policy pays the bonus amount to the insured person.
  • Medical Checkup: Insurance policy provides free medical check-up to the family if you choose the family health insurance.
  • Room Rent: Insurance policy also pays the room rent of the insured person, depending upon the policy chosen by you.
  • Tax Benefit: Premium which you pay on buying Health insurance is eligible tax deductions under section 80D of the Indian Income Tax Act.
  • Best Treatment: The other benefit of having medical insurance is that you can select best hospital according to your trust even if it’s expensive. Because if you have insurance then you have no issue of considering money before spending it in good hospital.

 

Top 5 Ways to Control Your Expenses and Increase Savings

We all have many needs and desires. Our most of desired wishes are related to doing or purchasing something. To fulfill all desires and basic requirements we all need money. Money doesn’t come easy, so before spending money we all need to think about how to spend it correctly. From purchasing grocery to paying bills somewhere we all encounter some financial issues. Today maintaining Lifestyle is so expensive. We all need to plan our budget and expenses according to our Income. Saving money is Very important.

There are so many methods, Tricks and strategies to save money and to achieve your money goals. Below are five of the simplest but most effective Methods to save money .

Always Trace Expenses

First of all you need to check where most of your money spends. It will give you an idea of your needful expenses and extra spending’s. It can help you to cut down those spending’s which is not that important for you. Before purchasing something you should ask yourself Do I really need this? The amount which I am spending on particular thing is in budget or not. When you will think about spending money, then this will help you to stop purchasing unnecessary things.

Invest your Money

If you have a goal to fulfill all your financial needs then you will have to save money. There are many Certified Financial planners and Financial advisory firms that can help you to plan your finance. These financial advisors will suggest you according to your earnings and financial condition which Investment plan and Insurance will be best for you. If you select Good financial planner then the half work is already done, Because right advisor will give you the right planning and will help you to meet your financial goals.

Make Budget

Well it is most easiest way to plan your money matters. From top priority things to less needy things you can make budget.  List your Liabilities according to balance, then handle them accordingly. It will give you an idea of how much amount you need to plan your monthly financial aims. In that way you can cut down unnecessary expenses, and so on and so on until you finally reach debt freedom. It can also benefit you to save money for things which you want to buy other than your daily requirements. In general, the idea is to make sure your that priorities are taken care of before you spend that money on less important things.

Make future Finance Goals

Always plan your future finance. Talk to your partner, and plan what you expect from yourself after n number of years. Then plan accordingly. If you Picture your future then you will be able to save more money. Set your financial targets. When you set targets for your future you become more responsible in money management. Commit and challenge yourself towards Financial targets.

Keep yourself Motivated and up for Savings

First of all you have to keep yourself Motivated for completing your financial goals. This Attitude of keeping yourself active towards your goal will give you more innovative ideas to save money. It will also give you new ways to earn money.  Try to save money whenever you find a way. If you are you’re not sure how much you should save, Save 10 percent of your income, no matter how much you earn. This can help you to meetup all your financial expectations.

Empower yourself by following these methods. You can Talk to Financial Advisor For more better Investment and saving plans.