Welcome to Scribd, the world's digital library. Read, publish, and share books and documents. See more
Download
Standard view
Full view
of .
Look up keyword
Like this
27Activity
0 of .
Results for:
No results containing your search query
P. 1
Wealth Mangement Project

Wealth Mangement Project

Ratings: (0)|Views: 344|Likes:
Published by nuniasunia

More info:

Published by: nuniasunia on Mar 28, 2010
Copyright:Attribution Non-commercial

Availability:

Read on Scribd mobile: iPhone, iPad and Android.
download as DOCX, PDF, TXT or read online from Scribd
See more
See less

11/07/2012

pdf

text

original

 
COMPANIES OFFERING WEALTH MANGEMENT SERVICES:
y
 
ABN Amro/ RBS Coutts*
y
 
Bank Of America*
y
 
Barclays Wealth
y
 
BNP Paribas*
y
 
Citigroup*
y
 
D
BS*
y
 
D
SP Merrill Lynch*
y
 
HDF
C*
y
 
H
SBC*
y
 
I
C
I
C
I
*
y
 
I
 NG
y
 
otak Mahindra*
y
 
Morgan Stanley
y
 
Société Générale*
y
 
Standard Chartered
y
 
U
BS
y
 
UTI
(Axis Bank)
Kotak Mahindra wealth management products and services:
Planning for wealth requires understanding of the asset allocation practice.Asset Allocation is the process of deciding how to distribute wealth among variousasset classes and sectors. Although often regarded as a minor investment decision,asset allocation is the cornerstone on which the entire investment process is built.About 90% of return variability over time can be explained by asset allocationdecisions. About 40% of the differences in returns can be explained by differencesin asset allocation. Asset allocation is thus the major factor that drives portfoliorisk and return. Asset classes have fluctuating returns and correlations over different time horizons. No one asset class tends to outperform others consistently,therefore it is critical to diversify and adapt your portfolio to the dynamicinvestment climate.
 
T
herefore it is important that one must spread his asset across equity, debt,structured products, private equity, real estate and other alternates as well.
Products and Services ± TraditionalDirect Equity:
 
D
irect Equity investment generally refers to the buying andholding of shares of stock on a stock market by individuals in anticipation of income from dividends and capital gains as the value of the stock rises.
I
ndividualsor firms trading equity (stock) on the stock markets as their principal capacity arecalled stock traders. Stock traders usually try to profit from short-term pricevolatility with trades lasting anywhere from several seconds to several weeks. Onthe other hand, stock investors purchase stocks with the intention of holding for anextended period of time, usually several months to years.
Mutual Funds:
A Mutual
F
und is a professionally managed pool of money frominvestors with similar investment objectives. A mutual fund represents manyindividual stocks from a variety of industries and is managed by a fund manager.Mutual funds offer diversification and professional management of your money.
D
iversification reduces the risk because all stocks may not move in the samedirection in the same proportion at the same time.
Insurance:
Life
I
nsurance helps you protect yourself and your family against anuncertain future. After deciding the amount of insurance that you require, you needto decide on the policy that best suits your needs. Your insurance needs aredependant on your responsibilities and financial commitments, which are defined by your life stage and your needs.
I
f you have just begun a family, you need a policy that would provide for your child¶s needs for higher overseas education, or marriage or a business venture. You also need to take a policy such that shouldsomething untoward happen to you; your family has the money to meet their dailyexpenses comfortably.
Specialized:Structured Products:
A structured product is generally a pre-packagedinvestment strategy which is based on derivatives, such as a single security, a
 
 basket of securities, options, indices, commodities, debt issuances and foreigncurrencies. A feature of some structured products is a "principal protection"function which offers protection of principal if held to maturity.
Private Equity:
Private equities are equity securities of unlisted companies.
T
heyare generally illiquid and thought of as a long-term investment. Private equityinvestments are not subject to the same high level of government regulation asstock offerings to the general public. Private equity is also far less liquid than publicly traded stock.
Real Estate:
Real estate funds are founded by a group of real estate professionals/experts to 'manage' property/real estate for the investor. Apart fromsale of property, real estate funds also make money from rentals on propertyowned by them. Some real estate funds may not actually own property as that mayinvolve above-average risk from volatility in property prices.
I
nstead such fundsinvest in bonds/instruments that are secured by property.
T
he coupon rate that theyreceive on these bonds/instruments is then distributed to investors/unit holders asdividends.
Estate Planning:
Estate planning is a process involving the counsel of  professional advisors who are familiar with your goals and concerns, your assetsand how they are owned, and your family structure.
I
t can involve the services of avariety of professionals, including your lawyer, accountant, financial planner, lifeinsurance advisor, banker and broker.Estate planning covers the transfer of property and may or may not involve tax planning.
T
he core document most often associated with this process is your will.
Commodities*:
You may have your debt and equity funds in place, but investingin commodities could just be the one element to improve your portfolio.Commodity trading provides an ideal asset allocation, also helps you hedge againstinflation and buy a piece of global demand growth.
I
nvestors must understand thedemand cycle that commodities go through and should have a view on what factorsmay affect this. Because commodities prices usually rise when inflation isaccelerating, they offer protection from the effects of inflation.
F
ew assets benefitfrom rising inflation, particularly unexpected inflation, but commodities usuallydo. As demand for goods and services increases, the price of goods and servicesusually rises too, as does the price of the commodities used to produce those goodsand services. Commodity exposure can be taken either directly through the

Activity (27)

You've already reviewed this. Edit your review.
1 hundred reads
1 thousand reads
Waqas Sajid liked this
gullybaba liked this
narak_putra liked this
VivekMuthukumar liked this
piyu_parte liked this
mann2dil2000 liked this
rtpnpk liked this
Saisri.CH liked this

You're Reading a Free Preview

Download
scribd
/*********** DO NOT ALTER ANYTHING BELOW THIS LINE ! ************/ var s_code=s.t();if(s_code)document.write(s_code)//-->