Services
Mutual Fund
A mutual fund is a collective investment vehicle that collects & pools money from a number of investors and invests the same in equities, bonds, government securities, money market instruments.
The money collected in mutual fund scheme is invested by professional fund managers in stocks and bonds etc. in line with a scheme’s investment objective. Mutual funds are ideal for investors who a. lack the knowledge or skill / experience of investing in stock markets directly b. want to grow their wealth, but do not have the inclination or time to research the stock market c. want to get diversified portfolio.
Stock Investment
Shares represent equity ownership in a corporation or financial asset, owned by investors who exchange capital in return for these units. Common shares enable voting rights and possible returns through price appreciation and dividends. Most companies have shares, but only the shares of publicly traded companies are found on stock exchanges.
We at Moolya believe that portfolio managers of Mutual Funds do better job at selecting funds based on the fund theme, but for less risk averse investors we offer our expert opinion on investment through stock market.
Gold Bond
Gone are the days of investing in physical gold. Holding physical gold comes with risk of a. Theft b. Investing in locker for safe keeping c. Purity of gold. To avoid all the above problems and to get same returns as investing in Gold, one can invest in SGB (Sovereign Gold Bonds) and Gold Mutual Funds.
Gold bonds (Mutual funds) invest in Gold ETFs and provide an added advantage of not having to worry about storage costs, safety and liquidity problems concerned with physical gold. They are substitutes for holding physical gold. Investment in these funds result in accumulation of gold as an asset class without having to physically buy gold.
Insurance
Buying insurance is important as it ensures that you are financially secure to face any type of problem in life, and this is why insurance is a very important part of financial planning. Insurance is a mitigation against any financial loss owing to unforeseen circumstances like illness, disability, death of bread winner, vehicle damage etc.
We at Moolya do Term Insurance (a form of life insurance), health insurance and vehicle insurance. Protection from unforeseen emergencies help prevent loss of wealth.
Fixed Income and Bond
Investment in Fixed income and Bond are for preservation of capital and income. Fixed income and bond invest in corporate Bond and money market funds. This product can offer income with less risk than stocks. Bonds invest in various debt security available in the market and generate regular and fixed returns. As such they guarantee stability as returns are provided periodically at a fixed rate of interest. Fixed income and bonds are popular among risk averse investors who prefer stability and gaining market advantage.
National Pension System
NPS provides financial security and stability during old age when people have no source of income. Pension Scheme gives opportunity to invest and accumulate savings and get lumpsum amount as regular income through annuity plan on retirement.
NPS individual saving are pooled in pension funds which are invested by Pension Fund Regulatory and development authority as per the approved investment guidelines, into diversified portfolios comprising of government bonds, corporate debenture and shares.
In NPS There are two types of account TIER 1 And TIER 2 . TIER 1 is for retirement.
Saving and in TIER 2 can be used for saving and emergency funds. The scheme allows systemized saving and financial discipline among individuals to save for future benefits.
ITR Filing
Income Tax Return (ITR) filing is a process of submitting your income tax details to the government. It is mandatory for all individuals, including salaried and self-employed, to file their ITR every year. The purpose of ITR filing is to provide information on the income earned during the year and the taxes paid on it. The government uses this information to assess the tax liability of the individual and to identify any discrepancies or inconsistencies in their tax returns. Filing ITR also serves as proof of income, which is often required for various purposes such as loan applications, visa applications, etc. It is important to file your ITR accurately and within the due date to avoid penalties and legal consequences.
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Make a Will
Will making is to determine your financial planning for future. It helps to distribute wealth equitably as per your wishes among your nearest ones. It ensures distribution of wealth as per wishes of the individual. It is important to have your will written to avoid any disputes within the family in case of the individual’s demise. Also, individual preparing will, may exercise his wisdom in distributing wealth in proportion to what he/she deems is justified.
Portfolio analysis
Portfolio analysis is the process of evaluating an investor's portfolio to determine its overall performance, risk, and suitability. This analysis involves assessing the composition of the portfolio, such as the types of assets held, their allocations, and the investor's investment goals and risk tolerance.
Risk analysis: This involves assessing the level of risk in an investor's portfolio, such as the volatility of each asset and the overall portfolio. Risk analysis aims to determine whether an investor's portfolio is appropriately balanced between risk and return.
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Loan Against Mutual Fund
A loan against Mutual fund is a better alternative to liquidate Mutual fund investment. This is a quick way to raise funds quickly. Your Mutual fund portfolio is preserved and continues to produce returns, while the loan meets your immediate cash needs.
Loans against Mutual Fund is an excellent way to receive instant liquidity of mutual funds units of your own. It provides help in case of financial problems, by availing loan one can fulfill one’s desires.
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