Presentation describes the various wealth management services provided to HNIs by the wealth management firms.

1. Wealth Management Services

2. Deposit and Investment Services
• Safe keeping of funds and hassle free withdrawal
• Earning interest revenue
• Enjoying social status
• Availing of ancillary services SDL and SCS

3. How it differs
• Short term with bulk amounts earning
higher interest rate
• Free life insurance policies
• Pre payment of time deposits

4. Asset Management
services
• Portfolio management on
behalf of customers
• Such investments in
public/private equity
funds and mutual funds
Investment Advisory
services
• Recommends investment
to customers
• Banks with research base
can provide the service

5. Credit card Facility
• Very high outer limit
• Interest free period
• Special status credit card
• Life insurance cover of Rs.15 Lacs
• Co-branded credit cards
• Loyalty benefits

6. E-Banking Services
ECS
• Instant business payments
• Across globe
• Effected in minute
EFT
• Inter city transactions
• Different banks
• High value transaction

7. Taxation Services
• Investing in investments which can reduce
taxable income
• Investment decisions between debt and
equity

8. Estate Planning
• Arrangement to ensure disposal of one’s
wealth in systematic manner for the benefit
of one or more identified relatives
• Creating a will
• Creating a trust

9. Demat Services
• Dematerializaion – Conversion of physical
certificates into dematerialized holdings
• Reduction of delays in transfer
• Fraudulent transfers
• Mitigating problem related to handling

10. Retirement Planning
• Mentally planning retirement life style
• Framing an overall income/expenditure
• Working out a desired level of net income
from likely retirement corpus

11. NRI Special
• Allowing direct investment in trade
• Establishing any office of profit
• Purchase of landed property
• Allowing subscription to equity

12. Risk Management
• Completely risk averse – Investment in
postal deposits
• Not entirely – Investment in large corporates
equities
• Agreeable for risks – Combination of real
assets

13. Case
• Income Rs.1.5 L
• Land 2 crore
• Car Rs.5 L
• PF Rs.10 L
• Bank Deposit Rs.20 L
• Equity Rs.50 L

15. Case 1
• Analysis
1. Does not require regular income
2. Concerned about future inflow
• Decision
1. 5 L – Bank deposit/Postal deposit
2. 45 L – Securities through MF

16. Case 2
• Analysis
1. Requires regular income
2. Concerned about safety
• Decision
1. 60% - National savings scheme/FD
2. 30% - Investment in gold/land
3. 10% - Debt/Equity