Lucre Financial Services (LFS)• Origination :- LFS is the recent venture of Parshwa Group started in May 2011. It is an independent Wealth Advisory firm providing wealth management solutions to everyone. The company offers financial services of Wealth Advisory and Wealth Management.• The LFS are framed to meet clients needs through personal consultations. It helps create a way to help them meet their investment goals based on a deep understanding of their needs . The LFS follows a unique three-step process to create a financial plan for clients, conduct a portfolio review and then to ensure asset allocation being maintained through active portfolio management (continuous tracking and rebalancing). The financial health diagnostics include Income Tax ,Insurance, Investment, Retirement, Estate Planning and Mutual Fund Commensurate with these objectives, there is a strong excellence and clarity to the high ethical standards .
Investments• Investment :- Everybody knows what is investment, money you earn is partly spent and rest is invested for meeting future goals.
IPO• IPO :- IPO is Initial Public Offering where if any company wants to increase their capital then the company will launch IPO through which it issue shares in market and they will get the money which will help them out in expanding their business.
Equities BSE & NSE Equities Nse Bse• John Maynard Keynes said, Dont try to figure out what the market is doing. Figure out a business you understand, and concentrate . Investing in stocks is more a science than an art.• There are certain ground rules which investors must follow to be successful. Even before you decide to invest in stocks of individual companies, it is pertinent to have a proper asset allocation plan, that is, what portion of your portfolio should be dedicated to equity
Equities – BSE & NSE• Equities In BSE & NSE :- In equities investment can be done from 500 to 5,00,000…….• Investment in equities benefit is investor gets dividend or capital growth of the market.• Tax benefit , if holding is more then one year i.e. long term capital gain tax benefit , where profit earned on equity is tax free .• Dividend earned from Indian companies is tax free.• In Equity investment potential of bonus and right issues are there as per companies future plans.
NSE Derivatives Futures & Options FUTURES OPTIONS INDEX STOCK CALL PUTFUTURES FUTURE OPTION OPTION INDEX CALL STOCK CALL INDEX PUT STOCK PUT
NSE Futures• NSE Futures :- Futures means contract available for trades in index and stocks• In NSE futures lot size available to trade , in lot size number of shares decided by exchange.• In futures investor need to give margin ie some % of investment amount decided by exchange.• Three months contracts are available to trade.• On every month’s last Thursday expiry of contract done by holder or exchange by default .
NSE Options• NSE Options :-In Nse options there is two segments I.e call and put.• Call :- One can buy call when market is going up ie. market is bullish market , people predict that market will go up on that basis call option can be bought.• Put :- One can buy put when market is going down ie market is bearish market , people predict that market will go down on that basis put can be bought.• Call and put prices is decided by open interest. * Open Interest is the total number of outstanding contracts that are held by market participants at the end of the day.
Commodities COMMODITIES MCX NCDEX NSELBULLIONS METALS ENERGY AGRI PRODUCTS NON AGRI PRODUCTS INVESTMENT PRODUCTS ALUMINIUM GOLD SPICS LEAD CRUDEOIL ENERGY E-GOLD SILVER PULSES TIN NATURAL GAS ETC. METALS E-SLIVER ETC. ETC OIL & OIL SEEDS NICKEL
CommoditiesThere are three markets in commodities i.e.• Mcx – Future & spot market• Ncdex - Future & spot market• NSEL – Spot market• MCX :- In MCX future and spot market various commodities are trading like Gold, Silver etc.• In future market you can buy or sell future contract available for trade.• In mcx lot size & margin decided by exchange.• Mainly in mcx bullions and metals are most active trades.
Commodities Cont.• NCDEX :- In NCDEX future and spot market various commodities like agriculture products and non agriculture products are trading like spices, pulses, oil & oil seeds.• In future market you can buy or sell future contract available for trade.• In Ncdex lot size & margin decided by exchange.• Mainly in Ncdex agriculture products are most active trades.
NSEL• NSEL is a national spot exchange ltd. Where you can buy e-gold, e- silver etc. commodities• Since large number of investors from all across the country would be available at NSEL platform, they can realize better price for their product.• Transparency in transaction and settlement.• Platform for minimum investment in gold and silver.• Risk free – gold and silver kept with demat.• Any time encashment – Sell it or take delivery.• Quality of gold and silver is pure approved by government of India. In physical market, they always face the risk of counter party defaults, which will be totally guaranteed on National Spot Exchange platform. A settlement guarantee fund would be maintained for this purpose.
Currency• Easy to understand and interpret linear derivatives , similar to equity & commodity future that are already being traded.• Transparent online platform• Counter party default risk novation by clearing house• Enhanced retail participation
Mutual Funds• A Mutual Fund is a body corporate registered with the Securities and Exchange Board of India (SEBI) that pools up the money from investors and invests the same on behalf of the investors /unit holders, in equity shares, Government securities, Bonds, Call money markets etc., and distributes the profits. In other words, a mutual fund allows an investor to indirectly take a position in a basket of assets.• Mutual fund is diversifies the risk of investors.• MF are Balance, income , growth,sector funds etc.• Above funds are available in open ended and close ended• An open-ended MF there are no limits on the total size of the corpus.
MF Continued• Close – ended MF there are total size of the corpus is limited by the size of the initial offer• systematic investment plan (SIP) offers 2 major benefits to an investor: 1) It avoids lump sum investment at one point of time 2)In a scenario of falling prices, it reduces your overall cost of acquisition by a process of rupee-cost averaging. 3) At lower prices end up getting more units for the same investment.• Certain specific Equity Linked Saving Schemes, tax benefits are available under Section 88 of the IT Act,if it is tax saving fund then 20% is eligible for rebate.• If capital gain is earned and invested in specific Mf then capital gain tax is exempted.
Insurance• A policy in which an individual or entity receives financial protection or reimbursement against losses from an insurance company.• Policy holder gets insurance cover and good returns.• Small investment for futures uncertainty• Flexibility of one time investment or monthly, quarterly, half yearly and yearly.• In today’s market all types of insurance available Life, Medical, Car , general insurances.• We provide insurance service in HDFC and Life Insurance Corporation of India.
Bonds• Infrastructure Bonds:- Investment in bonds gives tax benefit to the investor.• Maximum benefit to an investor shall be Rs. 20,000/- - under section 80CCF.• The Tax exemption benefit under Sec 80CCF on a sum of Rs. 20,000/- is over and above Rs. 1,00,000/- benefit under section 80C, 80CCC and 80CCD
Benefit of association with LFS• Power your faith with LFS when it comes to finance and earn from our expertise.