The document discusses wealth management and structured products. It provides an overview of Karvy's wealth management business model, including client profiling and segmentation, financial planning services, and competitors. It then compares structured products to traditional investment products like stocks, mutual funds, debt instruments, bank deposits, and alternative investments. Structured products are described as offering capital protection with returns linked to underlying assets, having a fixed term and return profile, and providing potentially higher returns than traditional fixed income products while managing risk.
Traditionally, wealth management services were the preserve for the very rich, which needed help to manage substantial sums of money. Wealth management is both an art and science. It involves understanding the investor very well.
However, the World Wide Web has opened up the world of financial management to a much wider audience and one doesn’t have to be a millionaire to take advantage of these sorts of services. Other than managing stocks and shares portfolio, wealth manager can also help the investors to pick and choose between different collective funds in which they may be interested. He can also help the investor in selecting from a range of wealth management plans, tailor-made to the needs and criteria of specific individuals.
A wealth manager should be able to help investors to unlock money in current investment in assets, continually monitoring the breadth and direction of the markets to make quicker adjustments in investment portfolio. Some wealth managers also provide online research tools, investment calculators and access to wealth management reports. Wealth management is all about managing investment returns and risks for well-endowed investors, both individual and institutions with investible funds. It requires the wealth manager to have in depth knowledge about financial markets, the instruments, the players, as well as the environment.
Thus project will study the Awareness of Wealth Management in Individuals
Traditionally, wealth management services were the preserve for the very rich, which needed help to manage substantial sums of money. Wealth management is both an art and science. It involves understanding the investor very well.
However, the World Wide Web has opened up the world of financial management to a much wider audience and one doesn’t have to be a millionaire to take advantage of these sorts of services. Other than managing stocks and shares portfolio, wealth manager can also help the investors to pick and choose between different collective funds in which they may be interested. He can also help the investor in selecting from a range of wealth management plans, tailor-made to the needs and criteria of specific individuals.
A wealth manager should be able to help investors to unlock money in current investment in assets, continually monitoring the breadth and direction of the markets to make quicker adjustments in investment portfolio. Some wealth managers also provide online research tools, investment calculators and access to wealth management reports. Wealth management is all about managing investment returns and risks for well-endowed investors, both individual and institutions with investible funds. It requires the wealth manager to have in depth knowledge about financial markets, the instruments, the players, as well as the environment.
Thus project will study the Awareness of Wealth Management in Individuals
Our 20th Century Robo-advisory and analytical platform for the investment and wealth management business, featuring a holistic CRM (data-mining on both the supply- (financial streaming data) and demand-side (investors)) to match the financial instruments to the risk profile and investment horizon of the investors.
An individual or an organization needs to manage its wealth well. Although, there are varied economic counsellors, for an organization, a financial analyst provides in-depth and logical inputs and reports to decision makers for a favourable economic outcome. Essentially, he researches macro and micro economic situations, with multiple economic inputs, such as company fundamentals, governmental policies, industry trends, business cycles and competitive environment to make business related industry recommendations. Usually, the financial analysts analyses multiple economic parameters and recommends a view on the likely performance of a company's stock. These stock reports could be based on technical or fundamental analysis.
02 Mar 10 - Business finance options seminar - the choices simplified
A seminar looking at the building blocks of business finance and helping to unravel the jargon.
Speaker: Mike Stutter
Introduction to Wealth Management Industry by Miles SoftwareMiles_Software123
This presentation will help you understand the basics of the wealth management industry touching upon the following areas:
What is Wealth Management?
Why there is a need for Wealth Management?
How did Wealth Management Evolve?
Wealth Planning Process
Investment Avenues
Asset Allocation
What is Asset Management?
What is a Fund Management?
How to become a successful Wealth Manager?
2. “ Wealth Management Business & Comparative analysis of structured products with other products”. By: Atul Abhiseck Singh. Registration No: 08/016.
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4. 1979 1985 1990 1993 1995 1997 2000 2001 2003 2004 Inception Corporate Registry Services Stock Broking Services Financial Products Distribution Corporate Financial Services Depository Services IT Enabled Services Personal Finance Advisory Services Debt Market Services Karvy Global Services 2005 PCG group of Hongkong has taken 20% stake in KSBL JV with Australian Computershare 2008 Largest financial product distributor.
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6. Primary research Global wealth models Savings & Investments Industry statistics Secondary research program Market Context Competitive dynamics Customer preferences Forecasts Macro Economics. Retail Invsts. Wealthy Individuals & their assets. Trends Best practices Structured products Service offerings Distribution Financial planning Product & Services Sophistication Retail savings & Invsts. Wealthy Individuals & their assets
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8. Wealth Management Process from a Client Advice Heritage Wealth Management Process from a Product-Driven Heritage Advice oriented Product oriented Private banks; Trusts Assets managers Brokers Client advisory driven Objective setting Asset allocation Product selection Trading Product driven
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11. " To cater to the unique needs and requirements of the mass affluent by providing complete financial solutions and thereby enabling them to transform their dreams into reality.” Our Vision:
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14. After we acquire a client we follow the 4 stages: Seamless Execution Plan Process Pre-Plan Interaction Actual Plan Making Product specific recommendation through research support Follow-Up
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17. Stage 3 Plan Process Pre-Plan Interaction Actual Plan Making Product specific recommendation through research support Follow-Up Real Estate Tax Planning Mutual Funds Insurance Commodities F&O Equities Research support
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19. KARVY FINANCIAL PLANNING Wealth management services Portfolio management services Private banking services Have a wholesome meal! Here lies the difference
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21. Service Offering Fees Charged Remarks HSBC Bank WMS/ Need based Financial planning/ PMS None Relationship based business. Focus on banking, financial & Insurance products. PFP focus missing. ICICI Bank Private banking/ WMS None Relationship based business. Focus on pushing banking, financial & insurance products only. PFP focus missing. ABN Amro Bank WMS/ Preferred banking None Retail customers are not targeted; Clients with investible surplus >30 lakhs only. Focus on baking & financial products. Main focus on MF. PFP focus missing . HDFC Bank Private banking, Recommendation on Equity, MF & Insurance None Equity, DP, MF & F&O products pushed & recommended. PFP Focus missing.
22. Service Offering Fees Charged Remarks Kotak Securities WMS None Relationship based business. Focus on banking, financial & Insurance products. PFP focus missing. Citibank WMS None A/c holders targeted, relationship based business, focus on banking, financial & Insurance products. PFP focus missing. Religare PMS Performance Linked DP,MF, Equity, Commodities, Derivatives. Portfolio management based on risk profiles. No PFP Focus. Deutsche Bank Private Banking/ PFP None Relationship > Rs.5 Lakhs; RM- single touch point; MF & Insurance products & recommendations offered; Consolidated gain/loss statements provided. However part of PFP focus missing due to lack of goal setting. Allegro PFP Rs. 10,000-20,000 RMs handle clients; analytical & solution driven approach for PFP.
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24. 100%. 80%. 20%. 65%. Performance Linked Component. Fixed-Income Component. Fixed-Income Component. Performance Linked Component. According to the market evolution. Guranteed. Returns: It varies according to the performance of the underlying assets.
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26. Comparison of Structured Products with other Traditional Products. Basis of Comparison/ Products. Structured Products. Equity Shares/Stocks. Mutual Funds. Debts/FD/NSC/KVP. Bank Deposits. Alternative Investments. Investment Objectives. Capital Protected and better return than other Investments. To get maximum /highest return in quick time. To get high return in respect to Bank Deposit and NSC etc. Capital Security and Good return, whether market is favorable or not. Lowest Return But Capital Safe. In Future Investment Value will rise or to have Capital Gain. Risk Profile. Capital Protected if held till Maturity, So No Risk. Highly Risky due to dependency on capital and stock market. Risky, NAV Depends on Market Fluctuations. No Risk. No Risk. Somewhat Risk is there, especially in Gold Investment. Time Horizon. Lock in period is there. Full Tenure For Capital Protection and return. No Lock in Period in Existing one, but yes in New issued ones. Lock in Period is there in Close ended funds. No Lock in Period, But Return Differs. No Lock in Period. No Lock in Period. Profiles of Investors. Mostly HNIs All Clients, But for those who take high risk and want better and sooner return. Individuals who want to take less risk and better return than normal savings. Who don’t want to take risk and wants good return than normal savings. Normal No Risk taker Investors. HNIs who takes some risk on future predictions of market. Future Outlook. Huge, Research Analysts Predicting $ 180 Billion market Pretty well, but investors are more averse to it right now Good for individuals, small Investors, market growing at 26 %annually Somehow Stagnant Still Growing High Growth future Prospects
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29. Among the Top 3 Depository Participants Amongst the Top 5 Stock Brokers Largest Network of Branches & Business Associates ISO 9002 certified operations by DNV Adjudged as one of The Top 50 IT Users in India by MIS Asia Full fledged IT driven operations Largest Independent Distributor for Financial Products Amongst Top 10 Investment Bankers India’s #1 Registrar & Securities Transfer Agent
OBJECTIVE OF THIS KIT : This is a product training kit that shall be used for initial training of Personal finance executives (PFEs) and tele-callers for sales of Karvy Financial Planning. The aim is to educate the sales people and equip them with the necessary knowledge & skills to facilitate knowledge based selling of KFP across all branches.