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Find our range of services here that includes insurance, equities and mutual funds.
From insurance to equities we, here at KMV FinancialS committed to provide best services. We offer our clients a researched based platform which not only actively monitored but also give you a confidence for a long-term relationship. Your success is our smile. Know more here!
Financial planning is predominantly dealing with growth, and further accumulation of existing wealth. KMV FinancialS analyzes your risk appetite and offers you a stable goal-oriented investment option.
Since market is volatile and the return is also not fixed, you should always consider consulting a financial planner to help you with this. Enjoy your financial freedom with KMV FinancialS!
Fixed income offers a steady stream of income with less risk than stocks. It includes investments from government bonds, corporate bonds, and money markets.
We, here at KMV FinancialS helps you to find out best life insurance plans that not only protects you from unforeseen circumstances but also accumulate funds over the period of time for your retirement.
Financial Planning & Advisory
To ensure you achieve your financial objectives, KMV’s investments advisors use a blend of research-based approach, technology, knowledge, and case studies. Our investment advisors are highly qualified CFP’s or financial planning diploma holders. Equity market is volatile and if you don’t possess proper knowledge or guidance there is a chance of incur loss or you may get less profit.
How We are Different from Others?
Every investor is different, and every investment objective is different. Our financial advisors use their expertise and knowledge to construct personalized financial plans for our clients. We not only focus on investments but also focus on savings, retirement planning, insurance, and tax planning. Only planning is not sufficient, at the same time, acting wisely according to the market will prevent you from unforeseen market volatility and maintain the pace of your return. Taking financial decisions at right time is not enough, it needs proper guidance and constant monitoring of your investment. We reevaluate the current situation at regular intervals, future goals, and plan accordingly. At KMV we give equal importance to every client irrespective of their fund size. This allows us to gain heights as of now what we are today, and we are committed to do more for our clients.
There are several parameters we investigate while creating the financial plans.
Creating a Robust Financial Plan
Let’s consider you want to retire in next 25 years and want to send your child for higher education in next 10 years form now. To accomplish your goal, you may need a skilled professional with right license who will analyze your risk appetite and do a proper financial planning to make your goals a reality.
You and your advisor will discuss many topics including the amount of money you should save, the types of investment option you should choose, what kind of insurance you should have and of course tax planning. The detailed analysis will help you to understand the difference between budgeting, savings, investments for your retirement. You can’t really plan your future without knowing where you are standing today, so it is very important to understand your current financial health. A financial advisor will look into your assets, liabilities, income and expenses together in consideration while creating a financial plan.
Once the investment advisor creates your investment portfolio, he will now do the asset allocation. At this time, you should tell the advisor about your investment preferences. Either you are planning for a long-term investment for your retirement (Ideal 20-25 years) or you are planning for any short-term investments like child education or wedding.
Rest assured KMV FinancialS will carry out all the necessary steps needed for you.
Post Planning and Action Steps
Here in KMV FinancialS we believe our job is not only to help the investors with investments but also help them with every aspect of their financial life. That why we are called as family office. Taking right decision at right time will help you to build corpus at faster pace.
By constant monitoring your funds/investment will give you better returns and create a wonderful roadmap for your future. Our analysis, research-based approach, portfolio recommendation and well diversification of funds across various asset classes make your investment more robust and gives you better returns.
Here is an example to understand this better.
A 55-year-old individual who is already having enough funds for retirement and is predominantly wants to preserve his capital. They should opt for a very conservative asset allocation of 35% in stock assets (which may include individual stocks, mutual funds) and 65% in fixed-income assets such as bonds. Similarly, a 30-year-old individual who wants to create a corpus for his retirement and has better risk appetite should opt for a financial portfolio with an asset allocation of 70% stock assets, 25% fixed-income assets, and 5% other investments.
Fixed Income Investments
Fixed income offers a steady stream of income with less risk than stocks. It includes investments from government bonds, corporate bonds, and money markets. The corporate fixed deposits offer you higher returns when compared to bank’s Fixed Deposits.
Like bank fixed deposits, several companies, and Non-Banking financial companies (NBFCs) collect money from investors for a fixed tenure at a fixed interest rate. Such deposits are called corporate Fixed Deposits. They offer higher interest rate (1%-3%) when compared to banks. They provide guaranteed returns and flexibility of choosing the tenure. Company Fixed Deposits are relatively safe then the market-based investments and the maturity can range from a few months to a few years.
You can avail steady returns and benefit from a wide range of AAA and AA-rated Company Fixed Deposits. If the goal is for short term them corporate fixed deposits are the best option to go with.
KMV helps you to find out best such plans for you.
Insurance
Life insurance is a financial cover for any contingency related to death, disability, accident, or retirement. Even though human life can not be valued, still a financial help can help your family to recover from any sort of loss of income in future years. If you are insured, then your family will get a definite amount of money in case of anything happens to you. Hence, we believe, life insurance is a requirement for everyone.
These are mostly long-term investment plans that provides financial protection to an individual or entity. We, here at KMV FinancialS helps you to find out best life insurance plans that not only protects you from unforeseen circumstances but also accumulate funds over the period of time for your retirement.
Equities & Mutual Funds
An equity investment is invested in a company by purchasing shares of that company in the stock exchange.
Market based investments like Stocks and Mutual Funds are best options to accumulate a large corpus, if you are planning for long term. Since market is volatile and the return is also not fixed, you should always consider consulting a financial planner to help you with this.
Should I Invest in Equities?
Lured by many success stories, people just dive in and invest in most lucrative stocks without doing any market research. Here they are doing mistakes and missed out some important factors. You need to understand your financial needs and why you are investing. How long you want to keep your investment? Without analyzing these factors if you are investing, then some where you are losing the game and you may not get desired yield. Then we blame that the market is risky.
Benefits of Equity Investments
Investment in stocks has many potential benefits. If you are planning for long term, then equities are the best option to create wealth. A proper market research and proper guidance will make you rich. If a stock rises in value, the investor will see the monetary difference and if they liquidate their shares, they can make a large amount of money.
Yes, market is volatile, and risk is involved but with proper knowledge and diversifying the portfolio will reduce the risk. Money takes time to grow. If you are planning for short term, then equities may not be the option for you. If you have just started your job and wants to accumulate funds for your future, then you should consider investing in stock market.
There is a saying “Do not put all your eggs in one basket”. Equity, as an asset class, should be a key component of every portfolio and has the potential to provide the highest post-tax returns.
KMV is associated with Kotak Securities and Motilal Oswal for Demat and Trading services.
What are the benefits of participating in a depository?
It helps your immediate transfer of securities and no stamp duty is collected. It eliminates the risks associated with physical certificates such as bad delivery, fake securities. It helps you for sort out any Demat account related issues without any hassle.
At KMV FinancialS, our guidance, market research and asset diversification will give best returns from equities.
MUTUAL FUNDS
A company, mostly banks collects money from a number of investors and then the pool of money is invested in equities, bonds, money market instruments and other securities. Each investor is allocated some units which represents the holding of the fund. The profit/income is generated from this pooled amount and distributed among investors through “Net Asset Value” or NAV. NAV is calculated after deducting the fund running expenses.
How Mutual Funds are different from Stocks?
In Stocks you are directly investing on the company by purchasing its shares but in case of Mutual Funds your money is diversified across multiple shares, bonds, and other money market instruments. So, when compared to Stocks your risk in mutual fund is relatively low. The person who does not have enough time to monitor the stock market on regular interval, then Mutual Fund investments are best option for them. Returns are also moderate in Mutual Funds but yes, investing in share market will give you more returns then Mutual Funds. There is one fund manager who regulates your money.
Why Mutual Funds?
Mutual Fund investments are best investment option you have.
There are different types of Mutual Fund products available in market. For example, equity oriented mutual fund are those investment options if you are planning for a long-term time horizon (15-20 years). Similarly, Debt oriented mutual funds are suitable for 3 to 5 years of time period. Balanced funds are the mixture of equity and debt funds with a proportion of 65% in equity and 35% into bonds. They offer moderate risk with healthy returns. There are various other offerings from mutual fund sector that makes it a great choice for creating wealth.
There are several reasons why one should invest in Mutual Funds.
More Diversification: When you buy a mutual fund, your money is a part of a pool of investments. It holds a number of investments/shares that makes it diversified across stocks, bonds and other money market instruments. Because of its diversifying nature it holds less market risks.
Professional Management: One does not require any definite skills and knowledge to manage your own investments or need to spend time. The fund manager will do the job for you because your investment is taken care of along with other investments in that pool.
Varieties of Products: Mutual Fund offers you varieties of products for short term and long-term. If you are planning for short term then you should invest in Debt funds, similarly, if you want to invest for long term then equities funds are there for you. For parking your money, you should invest in liquid funds.
But it is very important to choose the right product according to your financial goal. KMV FinancialS will help you here to choose the right funds and make the portfolio that suits you.