Managing your hard earned money can be a daunting task. It includes accounting and taxation, plans to buy a home, retirement planning, education and marriage planning for children among others. Wealth management is important as it helps in maximizing you assets and minimizing the liabilities.
We at Excellent Investment Bureau provide an insightful guidance by understanding your goals and priorities.
Wealth management reaps positive results only when:
Our experienced team of investment advisors will help you to facilitate the implementation of your plan. Our team has great experience in the area of risk management.
We adopt a strong research methodology keeping in mind the goals of our clients and regularly update them on the results of their investments. Our team of wealth management advisors will help you in identifying the best ways to preserve your money.
Through are investment plans, we help in accumulation of your assets and preserving your finances that will help boost your present as well as future financial status and lifestyle. We promise to provide best in class operational frameworks through in-depth financial reports to our clients.
Every human being dreams of having a secured future with financial stability. That’s where your investments can work wonders. People generally look for safe investment options, where the risk factor is almost zero. Such investments are best for people who don’t like to take risk but want good returns.
Mutual Funds are one of the most sought after long-term investment option. These funds promise to generate higher returns over a period of time.
Mutual funds are a common pool of money where different investors invest in equities, bonds, and other market instruments. These funds also don’t require a minimum investment period and promises more stable returns.
Mutual funds are a common pool of money where different investors invest in equities, bonds, and other market instruments. These funds also don’t require a minimum investment period and promises more stable returns.
As an investor, you can buy a certain amount of units of these mutual funds at the current rate and can later cash it at a higher value keeping in mind the market conditions.
As an investor, you can buy a certain amount of units of these mutual funds at the current rate and can later cash it at a higher value keeping in mind the market conditions.
Life after retirement often unfolds new avenues that give you the freedom to explore your hidden interests and spend quality time with your family and friends. However, it also brings with it the challenge of managing expenses as your source of income becomes thinner.
You might be grappling with medical expenses, battling rising inflation with no permanent source of income, that’s where retirement planning comes to your rescue.
There are various investment options available that will help your money to grow and serve you best in old age. It is advisable to start at a younger age. As it helps in
1) Reducing pressure on finances at a later stage
2) Enabling one to aim for an ideal retirement scenario so that you don’t need to compromise at any stage of your old age.
We at Excellent Investment Bureau will help you chalk out a plan that secures your life after retiring. We understand that every person has different retirement need that’s why we work accordingly.
Planning your post retirement life in the right way ensures regular income for life, several tax benefits, securing the future of your children and protecting against inflation.
Planning your post retirement life in the right way ensures regular income for life, several tax benefits, securing the future of your children and protecting against inflation.
Systematic Investment Plan or SIP is an investment plan that allows you to invest a fixed amount of money regularly in mutual fund schemes. In SIP, a fixed amount is debited from your savings account every month and directed towards the mutual fund you choose to invest in. You can choose to invest weekly, monthly or quarterly.
SIP is considered to be one of the smartest ways of investing in mutual funds. You can start investing in SIP with a small amount of money and you don’t need to time the market.
Some of the amazing benefits of investing in SIPs are :-
We at Excellent Investment Bureau will help you choose the most profitable Systematic Investment Plan to invest in.
ELSS or Equity Linked Savings Schemes are mutual funds schemes that help you save income tax. It is the only mutual fund that is eligible for upto Rs. 1.5 lakh of tax deduction under section 80C of the Income Tax Act.
Investing in ELSS will give you two benefits - capital appreciation as well as tax saving under section 80C of Income Tax Act.
As compared to other tax saving products like Provident Fund, Fixed Deposits or National Pension Scheme that have a lock in period of more than 5 years, ELSS will give you tax benefits with a minimum lock period of 3 years.
And once the lock period is complete, you can withdraw the complete amount. Moreover the ROI in ELSS is better than the traditional products. If you plan to sell it also, you are likely to have long term gains.
At Excellent Investment Bureau, your investment portfolio will be managed by professional experts who are well-versed with the market conditions and functioning of capital markets. Your money will be in safe hands!
If you’re looking for equity investment options that promise to deliver higher returns in the long run, you can go for this fund. Excellent Investment Bureau promises to diversify your investments with best returns.
It is every parent's dream to see that their child has a secured future. The whole purpose of child's future planning is to create a protective shield around your children against expenditure on higher education, wedding and even during their growing up years.
When a child is born, people often don't know where to start the investment process from. There are various health and education plans where you can invest for your children. We at Excellent Investment Bureau will help you set these financial goals.
If you start investing early in life you will reap benefits for a long period of time, you will be able to analyse the greater risks involved and earn higher. If you start planning for children soon after they are born, they would have a more secured future.
Your child will have both short-term and long-term expenditure, this mean that you will require money to take care of your child for the next 20 years.
Apart from traditional investment tools like Fixed Deposits, we will help you in exploring different investment avenues that will help you in boosting your earnings to a great extent.
Opting for a comprehensive child education plan you will surely get rid of the fears that can crop up due to financial insecurity.
Every person dreams of owning a house, be a proud owner of a luxury car, save for their child’s future and lead a peaceful life after retirement. This can only be achieved with the correct financial planning. A good financial planning helps you in maintaining a strong balance between your present and future.
We at Excellent Investment Bureau will help you in achieving these financial goals with the help of a comprehensive plan as well as a road map for future.hildren. We at Excellent Investment Bureau will help you set these financial goals.
Our financial advisors will chalk out plans that will not only include high returns on investments but also savings, budget and various tax strategies.
Our advisors work with the clients on a regular basis and evaluate their present financial situation to adjudge future goals accordingly. We have skilled professionals with proper licenses.
Proper financial planning helps you to increase your cash inflow, safeguard your loved ones and enjoy your life to the fullest even after the retirement.
We will educate you about various options available to make right kind of investments and also grab most of the opportunities to grow your wealth. We will monitor and review your investments at regular basis and keep you informed about the results.
Tax planning basically means analysing your financial situation by taking into account your income and expenditure and save money while paying taxes. Thus you can plan your savings well in advance rather than regretting it at the eleventh hour. It helps in reducing your liabilities too.
There are various tax saving options available for taxpayers, which provides exemptions and deductions in a bid to limit your overall tax liability.
There are various tax saving options available for taxpayers, which provides exemptions and deductions in a bid to limit your overall tax liability.
Here are certain steps that you have to take in order to devise a profitable tax saving plan.
Analyse your income
The first and foremost step to begin tax planning is to analyse your total income. By accurately calculating your gross and annual income you can decide how to save tax.
Avail tax deductions
Income Tax Act, 1961 offers various deductions under sections 80C to 80U, which is beneficial for taxpayers. These deductions can be availed against tax liabilities. You can invest in tax saving schemes like Public Provident Fund, Equity Linked Saving Schemes, life insurance, home loan etc. There are many other sections in the IT Act that can help in lowering your tax liabilities.
There are different methods of tax savings too. These are:
A Bond is considered to be a debt security, under which the company that issues bonds owes the bond holders a debt and are required to pay them interest depending upon the terms and conditions of the bond. The interest can be paid either annually, half-yearly or monthly.
In simple words, companies require money for expanding their business and sometimes the capital required for it is more than what can be issued by banks as loans. In that case, these companies issue bonds in market. As a result a number of investors come forward to raise money by lending a certain amount of funds that are needed and the companies thus issue bonds to them.
The amount thus borrowed is called face value and the interest rate paid is called Coupon. Different types of bonds offered here are:
Public sector undertaking bond
For people looking for medium or long term investment option in bonds, Public Sector Undertaking (PSU) bonds are the best you can get. These bonds are issued as well as backed by government of India but are sold on private basis. The government targets the investors on its own and offer these bonds at fixed rates.
Corporate Bonds
Corporate bonds are issued by private companies for the time period of up to 15 years. Unlike PSU bonds, these can be purchased by anyone. These bonds promises high returns. However, they do involve certain amount of risk.
Financial Institutions and Banks
These bonds are issued by various financial institutions and banks. They are popular among investors and make up most of the bond market. These bonds are well regulated and have good ratings.
Emerging Markets Bonds
Emerging markets bonds are issued abroad as hard currency by the government in order to raise capital for economic development. They are issued in US dollars or the euros.
Fixed deposits are the most popular form of saving money. These deposits are also called term deposits that give the investor a fixed rate of interest until the tenure matures. They serve a dual purpose of saving as well as earning money. The interest rate offered on FDs is relatively higher than other saving options.
Given below are the few advantages of fixed deposit account.
Guaranteed Returns
Investing in fixed deposits assures guaranteed returns. The interest rate offered on them varies from 4.50% p.a. to 8% p.a. depending on the tenure and the bank that you have chosen. The interest earned over the period of time is added to the principle amount.
Flexible payment
FDs give you the flexibility to choose how you wish to receive the interest. It can be paid annually, monthly or during maturity.
No maximum cap
Generally, there is no maximum amount for fixed deposits. However, some banks may offer it.
Helps during crisis
Fixed deposits are of great help in times of financial crisis. A lot of banks also allow you to take loans against Fixed Deposits. Some banks let you partially withdraw the amount of FDs, though they may levy some charges on it.
Easy to withdraw
You have the freedom to withdraw entire amount deposited in your FD account at any time.
Type of Fixed Deposits
Normal Fixed deposits :–
You can lock a certain amount of money for a fixed period of time and avail higher rates of interest.
Tax Saving Fixed deposits :–
These FDs has a lock-in period of 5 years and tax exemption can be availed on the deposit of upto 1.5 lakh annually.
Senior Citizens Fixed deposits :–
People over the age of 60 years can avail this scheme. It has flexible tenures and special rates of interest.
Other types of deposits are – Cumulative FDs, Non-Cumulative FDs and Flexi FDs.
Wealth Management
Managing your hard earned money can be a daunting task. It includes accounting and taxation, plans to buy a home, retirement planning, education and marriage planning for children among others. Wealth management is important as it helps in maximizing you assets and minimizing the liabilities.
We at Excellent Investment Bureau provide an insightful guidance by understanding your goals and priorities.
Wealth management reaps positive results only when:
Our experienced team of investment advisors will help you to facilitate the implementation of your plan. Our team has great experience in the area of risk management.
We adopt a strong research methodology keeping in mind the goals of our clients and regularly update them on the results of their investments. Our team of wealth management advisors will help you in identifying the best ways to preserve your money.
Through are investment plans, we help in accumulation of your assets and preserving your finances that will help boost your present as well as future financial status and lifestyle. We promise to provide best in class operational frameworks through in-depth financial reports to our clients.
Insurance
Life is full of uncertainties and these uncertainties come unannounced. That’s why it becomes really important to safeguard yourself and your family before any medical emergency arises, and a perfect solution for this is - life insurance policy.
It will not only help you in fulfilling high medical costs but also secures his or her family from the unbearable financial crisis that may hit them once you are gone.
Many people die young every year due to illness or accident and, if you happen to be the only earning member of the family, your family may suffer after you are gone in terms of paying household expenses, clearing off debts as well as maintain their standard of living.
Therefore it becomes really important to secure your family's financial future by buying a life insurance policy. There are different kinds of insurance policies available like Term Insurance, Endowment Policy, Unit Linked Insurance Plan, Whole life policy, pension plan among others.
There are many companies providing insurance policies and we at Excellent Investment Bureau will help you to financially secure your family by informing you about the most affordable insurance policies which ensure favourable returns too.
Term insurance plan are plans that are purchased for a specific period of time, like 10, 20 or 30 years. If the insured person dies during the time period specified in a term policy and the policy is active, his or her family will get benefits.
A term insurance plan not only ensures monetary security to your family but is also capable of fulfilling your child’s higher education, child’s wedding, etc.
There are various types of term insurance Convertible Term, Increasing term, Mortgage term or Decreasing Term, Annual renewable plan among others.
There are ample numbers of insurance companies selling wide range of term insurance policies. As a result it often becomes challenging for an individual to make the right decision with respect to best suited insurance policy.
He or she has to be aware of the parameters to make a well-informed decision. The best term insurance policy offers highest sum assured at low monthly premium.
We at Excellent Investment Bureau have an experienced team of investment advisors, who will suggest you products and services that are best for you.
Our research team will scan through various products from across the market and will pick only those that meet your standards.
Changing lifestyles and increasing pollution levels are having an adverse impact on the health of people. As a result they have become more prone to various health conditions and medical diseases
The medical expenses associated with the treatment of such diseases and health conditions are also increasing rapidly so having a health insurance becomes all the more necessary.
These health policies promise to cover basic hospitalisation needs, critical illness and daily hospital cash reimbursements. A particular amount is paid as compensation, irrespective of the expenditure.
Critical illness insurance policy provides coverage against severe illnesses like kidney failure, bone marrow transplant, stroke, and loss of limbs, among others.
A number of insurance companies provide cashless claim facility, where you won’t have to make out of pocket payments. The hospitalization expenditure is directly settled between your insurer and the hospital.
Health care policies also promise several tax benefits. The premiums that you will pay towards your health care policy are eligible for tax deductions under Section 80D of the Income Tax Act, 1961.
Our experienced team of investment advisors help you choose the best health insurance policy from numerous plans, based on your personal needs and requirements, so that you enjoy maximum benefits.
Not having an insurance cover for your motor vehicle is like driving in the night without switching on the headlights.
As per Motor Vehicle Act, it is mandatory to have a third party insurance so you must buy one whether irrespective of the fact that it a new car or an old one. You can purchase a comprehensive cover as well.
There are different types of vehicle insurance in India like two-wheeler insurance, private vehicle insurance and commercial vehicle insurance.
So even if the vehicle is damaged due to an accident, fire, or self ignition, you are safe. The insurance policy also covers losses caused due to burglary or theft, strikes, riots, or terrorism or damage caused during transit.
Vehicle Insurance provides coverage for injuries to a third person, or damage to the third person's assets as well as in case of death due to accident.
It also covers lawsuits as well as legal fees involved, as the result of an accident.
Excellent Investment Bureau will help you in finding the best car insurance policy with minimum premium amount.
Factors like the driver's age and record, the type of vehicle and usage play a vital role in determining the premium in the future. We will help you in getting the best offer.
Travelling abroad with family or alone can be costly affair and any medical emergency or unforeseen events that you might find yourself embroiled in would just add on to the total cost.
That’s why it is important for you to buy overseas travel insurance. At a very nominal rate these unforeseeable risks can be covered with the help of the travel insurance.
In order to make yourself or your family immune to any travel related mishaps, you need to invest in a comprehensive travel insurance scheme.
A lot of countries have made it compulsory for travellers to purchase international travel insurance while booking their tickets.
It aims to protect the family against financial uncertainties that might arise due to travel related incidents.
It helps cover emergency medical expenses, accidental body injury, baggage loss, trip cancellation or delay as well as provides emergency cash if you lose travel fund due to theft or passport loss.
International travel insurance also covers legal liability because of damage to a third party. It helps in incurring legal costs in case you are involved in a legal suit abroad.
We at Excellence Investment Bureau, will help you get a comprehensive overseas insurance cover keeping in mind your needs and requirements.
Marine Insurance helps in covering the loss caused by damage of ships, cargo, terminals, and any transport by which the goods are transferred, acquired, or held between the points of origin and the final destination.
An insurance policy is designed to cover the risks that your firm might face at the time of incidents like accidents, damage to the property and environment or loss of life.
So when it comes to ships, the stakes are really higher. To ensure all the risks are covered financially, there are different types of Marine insurances that are compulsory for ships and ship owners to take.
These include Hull insurance, Machinery insurance, Protection and Indemnity (P&I) insurance, Liability insurance, Freight, Demurrage and Defense (FD&D) insurance and Marine cargo insurance.
Marine insurance policy offers protection against all marine related risk and provides a comprehensive coverage. You can also get your marine insurance customised as per your requirements.
These plans are flexible and cater to the requirements of the insured keeping in mind his or her budget constraints. The claim settlement process is very simple and provides claim assistance anywhere in the world.
Depending on the nature of client’s business, Excellent Investment Bureau advises you about the best marine insurance plans.
Mutual Funds
Every human being dreams of having a secured future with financial stability. That’s where your investments can work wonders. People generally look for safe investment options, where the risk factor is almost zero. Such investments are best for people who don’t like to take risk but want good returns.
Mutual Funds are one of the most sought after long-term investment option. These funds promise to generate higher returns over a period of time.
Mutual funds are a common pool of money where different investors invest in equities, bonds, and other market instruments. These funds also don’t require a minimum investment period and promises more stable returns.
Mutual funds are a common pool of money where different investors invest in equities, bonds, and other market instruments. These funds also don’t require a minimum investment period and promises more stable returns.
As an investor, you can buy a certain amount of units of these mutual funds at the current rate and can later cash it at a higher value keeping in mind the market conditions.
As an investor, you can buy a certain amount of units of these mutual funds at the current rate and can later cash it at a higher value keeping in mind the market conditions.
Retirement Planning
Life after retirement often unfolds new avenues that give you the freedom to explore your hidden interests and spend quality time with your family and friends. However, it also brings with it the challenge of managing expenses as your source of income becomes thinner.
You might be grappling with medical expenses, battling rising inflation with no permanent source of income, that’s where retirement planning comes to your rescue.
There are various investment options available that will help your money to grow and serve you best in old age. It is advisable to start at a younger age. As it helps in
1) Reducing pressure on finances at a later stage
2) Enabling one to aim for an ideal retirement scenario so that you don’t need to compromise at any stage of your old age.
We at Excellent Investment Bureau will help you chalk out a plan that secures your life after retiring. We understand that every person has different retirement need that’s why we work accordingly.
Planning your post retirement life in the right way ensures regular income for life, several tax benefits, securing the future of your children and protecting against inflation.
Planning your post retirement life in the right way ensures regular income for life, several tax benefits, securing the future of your children and protecting against inflation.
SIP
Systematic Investment Plan or SIP is an investment plan that allows you to invest a fixed amount of money regularly in mutual fund schemes. In SIP, a fixed amount is debited from your savings account every month and directed towards the mutual fund you choose to invest in. You can choose to invest weekly, monthly or quarterly.
SIP is considered to be one of the smartest ways of investing in mutual funds. You can start investing in SIP with a small amount of money and you don’t need to time the market.
Some of the amazing benefits of investing in SIPs are :-
We at Excellent Investment Bureau will help you choose the most profitable Systematic Investment Plan to invest in.
ELSS
ELSS or Equity Linked Savings Schemes are mutual funds schemes that help you save income tax. It is the only mutual fund that is eligible for upto Rs. 1.5 lakh of tax deduction under section 80C of the Income Tax Act.
Investing in ELSS will give you two benefits - capital appreciation as well as tax saving under section 80C of Income Tax Act.
As compared to other tax saving products like Provident Fund, Fixed Deposits or National Pension Scheme that have a lock in period of more than 5 years, ELSS will give you tax benefits with a minimum lock period of 3 years.
And once the lock period is complete, you can withdraw the complete amount. Moreover the ROI in ELSS is better than the traditional products. If you plan to sell it also, you are likely to have long term gains.
At Excellent Investment Bureau, your investment portfolio will be managed by professional experts who are well-versed with the market conditions and functioning of capital markets. Your money will be in safe hands!
If you’re looking for equity investment options that promise to deliver higher returns in the long run, you can go for this fund. Excellent Investment Bureau promises to diversify your investments with best returns.
Child Future Planning
It is every parent's dream to see that their child has a secured future. The whole purpose of child's future planning is to create a protective shield around your children against expenditure on higher education, wedding and even during their growing up years.
When a child is born, people often don't know where to start the investment process from. There are various health and education plans where you can invest for your children. We at Excellent Investment Bureau will help you set these financial goals.
If you start investing early in life you will reap benefits for a long period of time, you will be able to analyse the greater risks involved and earn higher. If you start planning for children soon after they are born, they would have a more secured future.
Your child will have both short-term and long-term expenditure, this mean that you will require money to take care of your child for the next 20 years.
Apart from traditional investment tools like Fixed Deposits, we will help you in exploring different investment avenues that will help you in boosting your earnings to a great extent.
Opting for a comprehensive child education plan you will surely get rid of the fears that can crop up due to financial insecurity.
Financial Planning
Every person dreams of owning a house, be a proud owner of a luxury car, save for their child’s future and lead a peaceful life after retirement. This can only be achieved with the correct financial planning. A good financial planning helps you in maintaining a strong balance between your present and future.
We at Excellent Investment Bureau will help you in achieving these financial goals with the help of a comprehensive plan as well as a road map for future.hildren. We at Excellent Investment Bureau will help you set these financial goals.
Our financial advisors will chalk out plans that will not only include high returns on investments but also savings, budget and various tax strategies.
Our advisors work with the clients on a regular basis and evaluate their present financial situation to adjudge future goals accordingly. We have skilled professionals with proper licenses.
Proper financial planning helps you to increase your cash inflow, safeguard your loved ones and enjoy your life to the fullest even after the retirement.
We will educate you about various options available to make right kind of investments and also grab most of the opportunities to grow your wealth. We will monitor and review your investments at regular basis and keep you informed about the results.
Tax Planning
Tax planning basically means analysing your financial situation by taking into account your income and expenditure and save money while paying taxes. Thus you can plan your savings well in advance rather than regretting it at the eleventh hour. It helps in reducing your liabilities too.
There are various tax saving options available for taxpayers, which provides exemptions and deductions in a bid to limit your overall tax liability.
There are various tax saving options available for taxpayers, which provides exemptions and deductions in a bid to limit your overall tax liability.
Here are certain steps that you have to take in order to devise a profitable tax saving plan.
Analyse your income
The first and foremost step to begin tax planning is to analyse your total income. By accurately calculating your gross and annual income you can decide how to save tax.
Avail tax deductions
Income Tax Act, 1961 offers various deductions under sections 80C to 80U, which is beneficial for taxpayers. These deductions can be availed against tax liabilities. You can invest in tax saving schemes like Public Provident Fund, Equity Linked Saving Schemes, life insurance, home loan etc. There are many other sections in the IT Act that can help in lowering your tax liabilities.
There are different methods of tax savings too. These are:
Bonds
A Bond is considered to be a debt security, under which the company that issues bonds owes the bond holders a debt and are required to pay them interest depending upon the terms and conditions of the bond. The interest can be paid either annually, half-yearly or monthly.
In simple words, companies require money for expanding their business and sometimes the capital required for it is more than what can be issued by banks as loans. In that case, these companies issue bonds in market. As a result a number of investors come forward to raise money by lending a certain amount of funds that are needed and the companies thus issue bonds to them.
The amount thus borrowed is called face value and the interest rate paid is called Coupon. Different types of bonds offered here are:
Public sector undertaking bond
For people looking for medium or long term investment option in bonds, Public Sector Undertaking (PSU) bonds are the best you can get. These bonds are issued as well as backed by government of India but are sold on private basis. The government targets the investors on its own and offer these bonds at fixed rates.
Corporate Bonds
Corporate bonds are issued by private companies for the time period of up to 15 years. Unlike PSU bonds, these can be purchased by anyone. These bonds promises high returns. However, they do involve certain amount of risk.
Financial Institutions and Banks
These bonds are issued by various financial institutions and banks. They are popular among investors and make up most of the bond market. These bonds are well regulated and have good ratings.
Emerging Markets Bonds
Emerging markets bonds are issued abroad as hard currency by the government in order to raise capital for economic development. They are issued in US dollars or the euros.
Fixed Deposits
Fixed deposits are the most popular form of saving money. These deposits are also called term deposits that give the investor a fixed rate of interest until the tenure matures. They serve a dual purpose of saving as well as earning money. The interest rate offered on FDs is relatively higher than other saving options.
Given below are the few advantages of fixed deposit account.
Guaranteed Returns
Investing in fixed deposits assures guaranteed returns. The interest rate offered on them varies from 4.50% p.a. to 8% p.a. depending on the tenure and the bank that you have chosen. The interest earned over the period of time is added to the principle amount.
Flexible payment
FDs give you the flexibility to choose how you wish to receive the interest. It can be paid annually, monthly or during maturity.
No maximum cap
Generally, there is no maximum amount for fixed deposits. However, some banks may offer it.
Helps during crisis
Fixed deposits are of great help in times of financial crisis. A lot of banks also allow you to take loans against Fixed Deposits. Some banks let you partially withdraw the amount of FDs, though they may levy some charges on it.
Easy to withdraw
You have the freedom to withdraw entire amount deposited in your FD account at any time.
Type of Fixed Deposits
Normal Fixed deposits :–
You can lock a certain amount of money for a fixed period of time and avail higher rates of interest.
Tax Saving Fixed deposits :–
These FDs has a lock-in period of 5 years and tax exemption can be availed on the deposit of upto 1.5 lakh annually.
Senior Citizens Fixed deposits :–
People over the age of 60 years can avail this scheme. It has flexible tenures and special rates of interest.
Other types of deposits are – Cumulative FDs, Non-Cumulative FDs and Flexi FDs.
