Blog - VSRK Capital | Trusted Mutual Fund Distributor & Financial Advisory Services

December 4, 2019November 27, 2024

Breaking Down Debt Mutual Funds

Debt mutual funds are those that invest in fixed income instruments – such as corporate and government bonds, overnight securities, corporate debt securities, money market instruments etc. These funds are ideal for investors who are averse to risk and seek to generate regular income.

Debt funds are a good tool to use if you want steady income with low volatility and higher than bank returns. They also come with greater tax-efficiency than these products. We’ll address the advantages of debt funds and compare them with similar products in another article.

Let’s look at how SEBI has categorized debt funds.

Overnight Funds

These funds invest in overnight securities having a maturity of 1 day. They are the least risky of all debt fund categories, and this low risk comes with low returns. How these funds work is that at the beginning of each day, the AUM is invested in overnight securities, and since they mature the next day, the fund manager can buy fresh overnight bonds the next day using the principal and return earned. NAV of this fund will increase little by little over time. The advantage of this is that changes in the RBI rate, credit rating of the borrower do not affect your investment.

Liquid Funds

Liquid funds invest in debt and money market securities such as treasury bills, government securities, call money with a maturity of up to 91 days. These are a good tool to use to park surpluses and to build an emergency fund. These can also be used to transfer that surplus to an equity fund using a Systematic Transfer Plan (STP). What’s interesting to note is that some liquid funds even come with an instant redemption facility.

Money Market Funds

Money market funds invest in money market instruments such as commercial papers, certificates of deposit, treasury bills, repo agreements of the highest quality with a maturity of up to 1 year. These are suitable for investors with low risk appetite and an investment horizon of at least a year.

Corporate Bond Funds

Corporate Bond Funds invest in debt instruments issued by companies. These instruments comprise of the highest rated bonds, debentures, commercial papers and structured obligations. Minimum investment in corporate bonds by these funds is 80% of the AUM. They are suitable for investors with an investment tenure of 3-5 years.

Credit Risk Funds

Credit-risk funds are debt funds that invest at least 65% of total assets in papers rated less than AA (not of the highest quality). As these funds take on more risk than most other debt funds, they come with the ability to generate higher returns too. It is suitable for investors who can assume high risk and have an investment horizon of at least 3 years.

Banking and PSU Funds

Banking and PSU debt funds invest at least 80% of their corpus in debt instruments of banks, Public Sector Undertakings and Public Financial Institutions. They come with low risk and are suitable for investors who have an investment horizon of 1-2 years.

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Duration funds

Duration funds invest in debt and money market instruments that have different maturities. Based on the maturity of instruments, they are classified into ultra-short (3-6 months), low duration (6-12 months), short duration (1-3 years), medium duration (3-4 years), medium to long duration (4-7 years), long duration (7+ years). The longer the tenure of the fund, the higher its ability to take risk. Investors in these funds should invest if the maturities are in line with their investment horizon as the fund will take this time to give an investor his principal and the interest owed to him (Macaulay duration) for investing in the fund.

Dynamic Bond Funds

Dynamic bond funds invest in instruments with varying durations. These are actively managed funds and are suitable for investors who find it difficult to judge interest rate movement and have an investment horizon of 3+ years. This is because these funds hold securities with reducing portfolio maturity when interest rates rise and increasing portfolio maturity when interest rates fall.

Gilt Funds

Gilt funds invest at least 80% of their total assets in Government securities (G-secs). These are issued by central and state governments across various tenures, both long and short. They usually have no default risk as these are government backed. They do come with higher interest rate risk for instruments with higher maturities. These funds are suitable for investors with an investment horizon of 3+ years and benefit the most in a falling interest rate environment.

Gilt Fund with 10-year constant duration

Gilt funds as discussed earlier invest in government securities. In the case of funds with a 10-year constant duration, assets held in the fund have a Macaulay duration of 10 years and are suitable for investors with this investment horizon in mind.

Floater Funds

Floater funds invest a minimum of 65% of assets in floating rate instruments and the rest in fixed income securities. Floating rate instruments are those that don’t have a fixed interest. If interest rates rise, the interest from these funds also rise immediately. These funds invest in securities that have medium to long-term maturities.

Fixed Maturity Plans (FMPs)

FMPs are passively managed close-ended funds, where investments are held to maturity. These can be considered as an alternative to FDs as they have the potential to deliver FD beating returns. Another advantage they have over FDs are that they come with better tax-efficiency. We will discuss tax-efficieny of mutual funds in another article.

November 4, 2019

5 Things To Know Before Hiring Financial Advisor

Who is a financial advisor?

A financial advisor is an investment professional who is an expert when it comes to managing your saving and other investment related problems. They help you to draw up investment plans, choose the best investment alternative amongst the pool of choices available and enable you to fulfill your wealth related objectives.

Why to consult financial advisor?

Ever tried flying an aircraft on your own? Some of you might have yes as an answer which has been supported by years of intense training and experience of flying a plane. Managing your wealth could be just the same as flying an airplane.

If you know how to fly it you’d be in the clouds but if you don’t your life could be at high risk so it is advisable to let the pilot handle the yoke. Similarly, if you lack the necessary skill & knowledge of managing investments you should consider a financial planner.

There are a lot of changes in the ever changing market; a majority of individuals are unable to understand the dynamicity which usually causes a major loss to the investors. Therefore, a financial planner is one that you should consider before investing your hard earned money.

Following are the list of factors that you should consider before appointing a financial advisor.

Decide whether you need a financial advisor

Considering a financial advisor is always a good thing to go for, but the advice usually carries a brokerage or commission. This decision normally depends upon the investor’s knowledge, education and other related factors. If you have a strong knowledge of the fields of finance and generally keep yourself updated you might skip the option of hiring a financial advisor. Otherwise it is highly recommend considering a financial advisor.

Find a Reputable Advisor

Before consulting a financial advisor, you must check his reputation, feedback & reviews of the past and current clients. There are a lot of financial advisory firms available in the markets which have good repute and a loyal customer base which makes your investment safer.

Past performance of the financial advisor

Before investing your hard earned money you should be aware of the past tracking records of the financial advisor. A lot of people are shy about asking for proof that whether their financial planner actually has a successful track record managing accounts.

The Education Level & Certifications of the financial planner

The government has various certification & education bodies which skeptically check the competence of the financial planner. Such certifications are an assurance that the individual which you are referring to is a genuine expert in the fields of investment and has a better command over understanding the dynamics of the market.

Know when to consult a new advisor

There could be a lot of possible situations where you might want to shift to a new financial planner in place of the current one. A good advisor is one which understands your investment needs, has multiple conversations with you, discussing your long term goals and assessing your plan. If you feel that your advisor is not able to serve to your expectations, give good suggestions or is unable to help you achieve your investment objectives you should consider a new business planner.

Who is VSRK?

VSRK is one of the financial advisory firms in Delhi, giving advisory on mutual funds, life insurance, general insurance, pre-IPO, PMF, IVF and other structured financial products.

Why should you choose us?

Here at VSRK we advise about your financial needs at different level of your age, be it for your child’s education, pension plans, medical insurance plans or making huge investments for profitable businesses. That’s what makes us one of the best financial business planners in Delhi.

Our awards

VSRK has been a member of UTI Mutual Fund Chairman Club since 2008.
VSRK has been awarded as wealth management firms in Delhi by Pan India in Distribution of UTI Mutual Fund products in IFA Category for the year 2009-2010.

VSRK has also been awarded IFA Category WEALTH FORUM Advisor Award – 2010 for Highest Growth in AUM Equity + Hybrid), North Zone – Delhi Region for financial business planner in Delhi.

September 26, 2019

Why are the Corporate Giants Opting Out of the New Tax Cut-Off Scheme of Modi 2.0?

Story till Now

To stir up the economy, the Union Finance Minister, Nirmala Sitharaman has announced heavy tax cut off wherein the effective tax rate of around 35% has been reduced to mere 25%. On top of that, the tax rate for new domestic firms and new manufacturing units that set up in India, starting in October and commence production before the end of March, 2023 will be taxed at an effective rate of just 17%.

This announcement of the Central Government has been received with great enthusiasm by the market as the Sensex hiked up by 1900 on Friday and 1300 points on Monday. This decision, although would cause a revenue loss of around Rs. 1.5 lakh crore to the Union government, is being considered a much needed support by the government to support the falling economy.

Will the benefits of tax reduction be transferred to Consumer?

This move has been praised by all the business related community and has attracted investors. The tax-reduction, normally, results in lower costs and thereby higher demand for goods or services and ultimately resulting in the treatment of ailing demand. However, for now, it is rational to assume that the Businesses will not be transferring the benefits to the customers. The benefits from such tax reductions might be used to recover the losses that the organizations have faced because of the stagnant demand.

Recently, nearly every sector was affected by the poor demands and caused huge losses to the Indian market, resulting in loss of jobs and huge unemployment. So, we assume that the benefits would be definitely but not immediately transferred to the ultimate consumers, i.e. once the companies are have made good all the losses incurred by them in the past few months.

How is the corporate industry reacting for the same?

As stated above, this has provided benefits to the organizations by reduced tax slab and even higher market evaluation for most of the Companies. Although, now the corporate have the option of opting lower tax regime but the condition of foregoing other exemptions has made an economic dilemma in the minds of corporate. Therefore, we are seeing two kinds of actions by the corporate.

Some corporate are opting in the new tax rates and availing the benefits that new policies provide. However, on the other, few corporate such as Godrej and Dabur are opting out of the new scheme.

Why are some corporates opting out of the new scheme?

These actions by the giants follow their decisions to claim exemptions provided in the various sections of Income Tax Act, 1961 which would lapse if these corporate giants opt for the new scheme. As far as we can say, the companies who have a lot of exemptions to claim might skip the new schemes as of now and once these exemption benefits have been satisfied, they would opt in the new schemes.

We would like to conclude that companies which are willing to reap the benefits from various exemption-related provisions of the Income Tax Act tax cut off are opting out of the new schemes, rest are highly satisfied by the ‘new gift’ of the Finance Minister.

September 24, 2019

Why the Indian Market Rose up By 1900 Points?

On Friday, the Indian government launched an all out attack on the drooping Indian economy to counter the economic slowdown. Surprisingly, it was welcomed by the investors at a great level where the Sensex rose by over 1900 points and Nifty closed at 11,254.

The main attraction of the announcement made by the Finance Minister was the tremendous decrease in the tax slab of corporate tax rate. In order to boost up the businesses, there was a significant cut in the corporate tax rates, the effective tax rate (inclusive of surcharges) for domestic corporate, have been reduced from 34.94% to 25.17%.

Also, the tax rate for new domestic firms and new manufacturing units that set up in India, starting in October and commence production before the end of March, 2023 will be taxed at an effective rate of just 17%.

The above decision of the government is being called as the most visible factor leading to the drastic change in the market, where Sensex and Nifty observed their biggest one-day rise since 2009.

What does this offer to the economy?

The decision clearly offers an incentive to the Indian markets to invest more in the corporate. As, most of advisors are suggesting, the present tax cut has made the country more competitive on a global level as far as corporate taxes were ever concerned.

It must be noted that whenever such cuts are made there is obviously a loss of revenue for the state. However, such a loss is generally recovered if such an incentive is actually able to stir up the market. There are many benefits, this might bring such as more investment, employment, etc.

Would it be actually helpful?

Whether or not this change of corporate actually stimulates the current economic slowdown, would be seen in time, but we would like to state what the experts are advise. On one hand, people are saying that this reduction is just a concession rather an actual help. As the real problem is the reduction in demand. Others say that the structural reforms such as GST has caused a loss in the demand of goods and employment. So, it is possible that such a reduction might actually help the current situation.

August 19, 2019

How Differently-Abled Can Plan For A Financially Secure Future Without Prior Education

Why planning finances is crucial for specially abled-01

The country has already celebrated its 73rd Independence Day. However, many still ignore the very existence of differently-abled people, their requirements and their plight, including the importance of financial Independence for specially abled people. Few years back, our Prime Minister spoke about the importance of ‘financial independence’ and ‘financial inclusion’ for a side-lined majority of individuals with special disabilities, so that the benefits can reach to them too. According to Census 2011, India has 2.68 crore differently-abled people who lack the ability to perform any activity in the main stream. That is why planning finances is crucial for specially abled; it is required for their special needs and secured future.

Why is it important to plan in advance?
By prioritising finances and future savings, a person with disability is independent and has a low disposable income left as a huge chunk is often directed towards regular expenses such as treatments, regular checkups and other expenditures on medical care and supervision. All these factors hint towards the need of implementation of a sound and appropriate financial plan in order to safeguard the future not only of one’s own self but also of the family. These schemes are only depending upon one’s investment and risk appetite.

How and where to invest?
A plethora of investment options are available in the market, but the lack of knowledge and drive have kept such a huge mars behind the dark clouds. While saving should be a goal, it is also important to remember to set the investment according to earning potential.

Following are a few places differently abled people can invest in:

Public Provident Fund and FDs
It is often advised to invest in PPF and FDs in order to suit long-term saving needs. But it also requires completing the maturity to withdraw from the scheme. You can withdraw the total amount by paying a penalty. Anyone can invest in the PPF scheme with upto Rs 1.5 Lakh. Also, it helps in income tax redemption where they can get effective return.

PM Atal Pension Yojana
This pension scheme is primarily designed for the unorganized sector working class. The age eligiblity for a person joining the scheme is minimum 18 years and maximum 40 years. After its maturity, joinees will get Rs 5000 monthly by investing just Rs 210 per month.

Pradhan Mantri Vaya Vandana Yojana (PMVVY)
This program has been introduced keeping senior citizens in mind. The pension plan is for senior citizens of 60 years and above. The investment limit of the plan is Rs 15 lakhs and senior citizens will get assured 8% return for 10 years. The modes of pension payment will be monthly, quarterly, half-yearly and yearly. The minimum pension amount will be Rs 1,000 per month, Rs 3,000 per quarter, Rs 6,000 per half year and Rs 12,000 per year. The maximum pension amount will be 10x the minimum amount. The last date to apply for the plan is 31st March, 2019.

Small Cap Funds
A part of mutual funds, small cap funds are the funds in companies with a market capitalisation ranging less than Rs 500 crore. The cap in small cap, stands for a company’s capitalisation. Small cap funds are the ones in which the risk factor is really high, but so is the return. Small Cap Funds give aggressive returns. Fund managers are likely to haver exposure to stocks of small companies in range of 65%-90%. Small cap funds also charge an annual fee, known as ‘Exposure Ratio’, to manage your money.

Multicap Funds
These funds are diversified mutual funds which have the option of investing in stocks across market capitalisation. The Multicap Funds portfolio includes all sorts of funds, which are, large cap, mid cap and small cap funds. multicap funds involve comparatively less risk as compared to mid-cap or small cap Funds. This is because these funds involve mixed risk factors, wherein Large Cap has low risk, Mid Cap has medium risk and Small Cap has the highest risk. However, whereas Large Cap has high stability, Mid and Small Cap have high returns. The investments are done in different proportions to fulfil investment objectives.

Along with debt and above-mentioned government and private schemes, equity and mutual funds are also recommended as they help to deal with inflation while at the same time giving good alphas (returns). All such financial plans are highly accessible by simply consulting an investment professional who would understand the requirements and help to draft a plan which is most suitable as per one’s needs.

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July 9, 2019

Union Budget and its Effect on MSMEs and Investment Sector

On 5^th July 2019, the Union Finance Minister Nirmala Sitharaman announced the financial budget for the Assessment year 2020-21. It had many pragmatic amendments affecting the general investment practices of a regular investor and the MSMEs.

The budget has announced many changes, in the MSME sector, such as proposing ease in angel tax for start-ups, removing the requirement of scrutiny of angel tax from IT department for start-up, enabling e-verification mechanism for establishing investor identity and source of funds for start-ups, 2% interest subvention for GST-registered MSME on fresh or incremental loans, ‘stand up India’ scheme to continue till 2025, new television channel for start-ups and pension benefit extended to retail traders. All these changes are sought to have a positive impact on the MSME sector and flourish the growth of start-ups. Also, the start-ups are being given a whole set of tax benefits.

The investment sector has also met some changes such as simplification and formalisation of existing KYC norms for FPIS to make it more investor-friendly, long-term bonds for market to allow FIIS & FPIS investment in debt securities issued by NBFCs, credit guarantee enhancement corporation to be set up long-term bonds with specific focus on infra sector and propose social stock exchange under SEBI for listing social enterprises & voluntary organizations.

All these changes along with those in other sectors have led to huge swings on Budget day. An examination of trading data shows that the Sensex has swung an average of 3.1 percent in past 21 budget day sessions. The India VIX index ended at 13.53, down 1.2 percent on Thursday. The index has cooled off sharply from May’s high of 28.7.

‘We will ask SEBI to mull a rise in MPS for listed companies from 25% to 35%,’ said Finance Minister Nirmala Sitharaman, during the budget speech. While this move will ensure more public investment in equity markets it will also force corporates to go on a public offering spree.

This can be seen by the downfall of the market value of TCS by Rs. 30,400 crores after the union budget. The IT giant has a public float of 28% with Tata Sons holding the rest. If the proposal is implemented, Tata Sons would need to sell share worth Rs. 57,000 crore.

All these are implemented in order to increase the contribution of start-ups and MSMEs in the country’s economy as well as include the general public’s participation in the investments in corporate giants. The union government has also sought to spur growth with a reduction in corporate tax and sops to the housing sector, start-ups, and electric vehicles. This budget is the first since the BJP led by Prime Minister Narendra Modi returned for a second term in power and is aimed at boosting infrastructure and foreign investment. The budget is said to be presented with a 10-year vision in mind. ‘The budget is for a New India and has a roadmap to transform the agriculture sector of the country, this budget is one of hope’, says Narendra Modi.

July 1, 2019

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

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.

May 2, 2019

Best Ways to save and Invest Money for Newly Married Couples

When two people decide to stay with each other, there are many responsibilities which come together. Including Changes in Living or spending money on different choices. Sometimes Not planning proper finance Destroys the flow of happy living. Many Wealth management Companies also advises how can people plan the finance if they don’t have enough money to invest.

There are some ways by following them any one can lead to happy married and wealthier life. These are some points which can help any couple to plan money making.

Opening a Joint Account– Couples should start saving money firstly by opening a joint account. It will help them in saving money, And planning their future needs. All the experts suggests that opening a joint account in which the couple invests n saves money from their salaries, definitely will be beneficial in future.

Budget making- When we enter in new phase of life it is sometimes difficult to maintain the budget. People are unaware of their partners habits, and don’t have an idea about what they prefer and in which things they love to spend money. So it’s better to make budget for maintaining the flow of funds.

Planning in tax saving Funds- When couple earns jointly, the amount of tax which lend on them is also increases. So for avoiding and decreasing the amount of tax, they can save and invest into various insurance schemes. These insurance schemes can not only save the taxes, also give you security for your future.

Planning Smartly- for every newlywed their are some sort of responsibilities which they need to manage. Like buying their own house, Buying a car, planning for future emergencies and so on. So it is important to plan smartly and wisely for future financial success.

April 12, 2019

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

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.

March 29, 2019

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.