Taxes can drain out an investor’s annual earnings. Tax Planning is a legitimate tool to reduce tax liabilities while conforming to the legal obligations and hence, tax planning comes as an effective tool in financial planning. 54EC bonds, or capital gains bonds, are one of the best ways to save long-term capital gain tax. 54EC Read More
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People are often uncertain about hiring a financial planner. They wonder if hiring a financial planner is worth their money. How we manage our finances now has a significant impact on our future. After all, isn’t your long-term goal is to save more money, not spend it? Do you know what you’re doing? If you do, Read More
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Love for “Gold-the lifeline for rainy days” is deeply rooted into the Indian tradition but this love for physical gold when imported is a burden on the Indian economy. The Government of India (GoI) in an effort to monetize physical gold introduced Sovereign Gold Bonds (SGB) Scheme in November 2015. SGBs are government securities denominated Read More
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Often you hear the term ‘financial planning.’ But is it just having money and some bank balance? While it may be partially right, financial planning covers even broader aspects that limit an individual for particular periodic planning but for a more extended period. What Is Financial Planning? Financial planning involves analyzing the present monetary position Read More
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You go to a doctor when your health weakens? But who do you go to for Financial Planning when your wealth starts weakening? Your answer- A Financial Planner. Hiring a Financial Planner is detrimental for your financial health. Just like a doctor is for your physical or mental health. In these challenging times, with the Read More
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If you are planning to sell or buy a property, this article tells the role of stamp duty value (SDV) in tax planning for both seller and buyer. Knowing the SDV beforehand and planning the transaction amount is important for following two main reasons: Sellers point of view — The actual market value/transaction value (TV) in Read More
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Equity investors have been going through a tough phase for almost 1.5 years now. Since the time capital gains tax on equity was re-introduced in Jan ‘18. While the equity markets have been yo-yoing since then ( it fell by ≈ 14% in Aug-Oct ’18; then rose by ≈ 20%; the current market skid is Read More
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Here is why (using an extract of our recommended portfolio): Step -1 — Decide your medium term (3 to 5 yrs) outlook for equity markets. Ours has been positive for last 5 years. Did it go right? Yes! (See chart below Step-2) Step — 2 — Based on our bullish outlook (step-1), we tilt the equity portfolio traits to Read More
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My heart goes out the credit analyst sitting in an oblivion in a successful private sector bank. He dared to ask the what if questions. What if the size of the borrowing by Nirav Modi was too good to be true. What if there was more to it than what meets the eye etc. Some Read More
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Last month in a financial year is usually hectic for all enterprises. So is the case for Indian wealth management industry. e.g. It is a good time for us to review the year gone by with respect to client portfolios tilts, performance contribution analysis, fund managers sticking to OUR plans, updating our outlook through the Read More
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BOX Personal Financial Advisors is a brand of AM Investment Advisors & Associates, an AMFI registered Mutual Fund Distributor (ARN-176173) (Registered On 16th Feb 2021 Valid till 15th Feb 2027) & a SEBI Registered Investment Adviser (Registration No INA100004871). Type of Registration = Non-Individual & Validity of Registration = Perpetual. Principal officer: Arun Kumar. Contact No:+91 9999 769 528 Email: arunwealthmanagement@gmail.com. Address: D-33, Sector 2, Noida UP 201301. Local Office of SEBI - 3rd Floor, Eldeco Corporate Chambers-II, Vibhuti Khand, Gomti Nagar, Lucknow - 226010. “Investment in securities market are subject to market risks. Read all the related documents carefully before investing.” “Registration granted by SEBI, membership of BASL (in case of IAs) and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.. Your attention is drawn to the SEBI circular no. SEBI/HO/OIAE/OIAE_IAD-1/P/CIR/2023/131 dated July 31, 2023, on “Online Resolution of Disputes in the Indian Securities Market”. A common Online Dispute Resolution Portal (“ODR Portal”) which harnesses conciliation and online arbitration for resolution of disputes arising in the Indian Securities Market has been established. If you are not satisfied with the resolution provided, you can access ODR Portal at https://smartodr.in/”.
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