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Financial Planning

Each one of us aspires to live a life that brings happiness, peace and contentment, but somehow the dynamics of life has forced us to crave for the bare minimum of our dreams and aspirations. Accept it or not, Money has indeed been an important means to our comfortable and happy living. Managing our Finances efficiently and fruitfully may not be everyone's forte and on many circumstances hiring a third party consultant has brought profitable results to a horde of individuals and companies. 

Life is a cycle of events that repeat over time and making adjustments becomes a priority that needs to be addressed on a timely basis. Many factors that affect our financial state are either controlled by us or others, Responsibilities in Family life, Commitments in future, Concerns over Career, Inflation and other civilization driven factors constantly keep us on our thinking toes to safeguard and grow our existing financial status. 

Financial planning is a strategy that is subject to customization based on the personal choices of clients based on their business/career and risk mitigation. Every one of us in our lifetime needs to segregate our investments and Deposits in a profitable venture that will not only help us meet our commitments but also ensure that we have a worry free life towards cash requirements.

Financial Planning undergoes the following stages in its implementations

The need and importance of financial planning when Inflation & changing lifestyles are the biggest cause of concern, cannot be overstated.

Unexpected things happen all the time - so being financially ready for it makes life much easier. Whatever stage you are at in life, you need to make sure your personal financial life gets the attention it deserves. You need to develop well-defined goals and define appropriate strategies to turn your dreams into reality.  

The right time to create a financial plan is right now. No matter what your income level or what your hopes for the future, you need a solid plan to achieve your goals. Drifting through life without carefully set goals and well-researched methods of achieving them is a recipe for disaster.

  • Detail your Current Financial Situation
  • Indentify your Goals and their Financial needs
  • Brainstorm all alternative possibilities to achieve your financial requirement
  • Evaluate your
  •  

  • Personal Situations
  • Economic Factors
  • Possible Risks
  • Time to meet commitments

  • Create a Financial plan to meet with your evaluation.
  • Implement the Financial plan
  • Revisit and modify your Financial plan at regular intervals

Sambhava Associates has congregated considerable experience in the field of financial planning with its clients varying into diversified fields of Business, Careers and Assets creating have helped us groom our financial planning capabilities to all possibilities and scenarios.

 

Mutual Funds

Mutual funds have been amongst the top investment strategies for Companies and Individuals anticipating lesser risks as compared to Day trading. Its structure of investment leads to better results for all investors with minimum fear of losing their investments.

Mutual funds work with the strategy of Collectively Invest and Earn. In mutual funds different investors contribute funds towards a common pool of money, this money is then used by an allocated Fund Manager to invest into certain fund types as mentioned and agreed in the objective of the scheme with the Fund Owner. This mode of operation ensures a safer investment option, allowing companies and Individuals to reap benefits once the fund value matures to its expected date and approximated amount.

Furthermore mutual funds are governed by the SEBI- Securities and Exchange Board of India, this body ensures to strictly monitor and govern the process of mutual funds, making investments in mutual funds a safer and secure choice.

Benefits of Investing in Mutual Funds

    • Funds invested across different Sectors allowing the investor to choose their Risk strategies
    • Investor can sell units back to the fund
    • Mutual funds helps investors to watch their funds grow without the worries of monitoring the market risks as a dedicated fund manager handles every aspect of investing the owners funds into a profitable growth*
    • Investor gets a proportionate Tax exemption from the Tax department of India.

Sambhava Associates helps interested investors in understanding the terms and conditions governing the investment towards mutual funds. We provide all possible options to Clients that would benefit their investment based on their risk appetite & period. Our experience in providing fruitful mutual fund benefits has ensured us a place in the trusted list of our clients and customers.

Life Insurance

In a Lifetime that is dissolved with uncertainties, many aspects of our lives are subjected to factors that are not under our control. Our awareness of this world whose many acts are fuelled with monetary transactions must keep us prepared for uncertainties. These uncertainties and urgent needs for money may evolve at any point of time. It is important that every one of us prepare and plan to Insure for ourselves and our loved ones. Life Insurance is a means to help us prepare a safe keeping for the ones who are sheltered under our living.

The contract is valid for payment of the insured amount during:

Life Insurance features to pledge a certain declared and designated payment amount to the Person assured /Nominee of the Life Insurer once the Policy meets is disbursement criteria. The criteria for availing the Payment could either be while the Policy matures to completion, Specific Periodic intervals or the demise of Life Insurer while the policy is live.

Sambhava Associates provide a comprehensive understanding of the features and benefits that Life Insurance Policy beholds. Our consultants have complete information on the different brands of policies that are available. Our Clients are informed and provided with the most suitable of Life Insurance schemes available and authorized by the Insurance market. Life Insurance and its features can further be summarized as follows.

  • Full protection against risk of death
  • Payments into Life Insurance ensure a Long-term savings
  • Easy to acquire loans on the sole security of this policy
  • Recognized by the Income Tax Office towards Tax Relief based on the defined parameters

Health Insurance

There was a time in the olden days when we as humans lived in a perfect balance with nature’s harmony. Life expectancy in the earlier era was much higher than the average of today’s generation, we must acknowledge the fact that it is nearly impossible to get back to the older lifestyles that helped this longevity. With our changing needs and style of living we are pushed to newer habits of eating either due to trend or  availability. Other factors such as Stress due to the competition embedded world are highly responsible for different kinds of health ailments occurring at an earlier stage.

With the Cost of medication shooting our affordability, it is highly recommended that we create a backup plan to take care of our health requirements in the event of adversities. Health Insurance is another form of Insurance that assures monetary assistance in case of unexpected health related issues for self or family members. Health Insurance assures us with freedom of insecurities and worries that would otherwise threaten our normal life. Following are the Benefits that can be derived from Health Insurance.

  • Protection to you and your family in the event of medical uncertainties 
  • Cashless treatment with minimum amount borne by the Insurer
  • Choose your Hospitals from the available list covered in your Policy.
  • Avail Tax exemption u/s80D
  • Life is secure without any monetary worries for Health issues
  • All Hospitalization charges covered