1. Why should I Invest?
• For Wealth Maximization
• To protect against eventualities
• For saving on taxes
2. What is wealth maximization?
Wealth maximization is a continual increase in the net worth of an individual over a period of time.
3. What are the ways and means of maximizing wealth?
• Prudently allocating a portion of earnings for future use.
• By making planned investments in long and short term financial instruments and assets.
• Protecting against unanticipated large outflows of money.
• Utilizing opportunity to reduce current outflow of money as expenditure.
4. What are the eventualities that I should protect me and my family from?
• The most crippling exigency is medical treatment.
• God forbid, passing away of a key bread winner of the family.
• An unfortunate incident or circumstance resulting in inability to service debts.
• Natural calamity or accidents resulting in upsetting the apple cart of life.
• Man-made disasters like burglary and theft.
5. How do I protect me and my family against these eventualities?
By making appropriate investment decisions in insurance, banking instruments, fixed assets, mutual funds, Government bonds and
securities, etc.
6. What is the best investment for me?
The decision has to be made keeping in mind strategic intent emerging from aspirations, short and long term goals and the best
possible solution to suit the individual requirements. The fundamental principle should be to work out the risks, cost and benefits
associated with an investment decision which would result in wealth maximization to the individual.
You could take a look at our detailed analysis of various investment options or talk to our experts.
7. Why should I save tax?
• To reduce permanent outflow of funds.
• To maximize wealth.
8. How can I save tax?
By investing prudently in financial instruments identified for the purpose by the government up to a certain limit. Though, it may not be
possible to completely avoid paying taxes when your income exceeds some prescribed limits, the overall burden can be reduced by
making investments is these assets.
9. What options are available to me for investing for the purpose of saving tax?
• Pension Funds up to RS.10,000/- u/s 80CCC
• Medical Insurance premium up to RS.10,000/- & RS.15,000/- for senior citizens u/s 80D
• Investments up to RS.1,00,000/- u/s 80C (Limit has to be calculated after deducting EPF & investment u/s 80CCC)
- Voluntary Provident Fund
- Public Provident Fund
- Life Insurance premium
- National Saving Certificates
- Equity Linked Savings Schemes-Mutual Fund cum Life Policies with any Life Insurance Company
- Tax shield mutual funds
- Infrastructure Bonds, ICICI & IDBI Bonds
- Fixed Deposits with Nationalized Banks for five years
10. What other investment options are available to me?
• Bank Term deposits
• RBI 8% Savings bonds
• RBI 6.5% Savings Bonds
• Post Office Monthly Investment Schemes
• Recurring Deposits with banks or post offices
• Various Senior Citizens schemes available with banks and post offices
• IPO Public Issues
• Mutual funds
• Shares/ Debentures/ Bonds of companies
• Finance Company Bonds
• Land/ House Property
• Gold/ Bullion
• Foreign exchange investments
11. Where do I get assistance for making investments?
We could help you in making a decision for investing in the right instrument. You could send a query to us with your interest and our
experts will immediately get in touch with you.
12. I am not residing in India. How can I invest in India?
You can invest in India directly from abroad. There are lot of investment options available for NRIs.
13. What modes of payment are available to me for making investments?
You can pay by cheque, credit cards or bank transfer depending on the investment company's policies and rules. Our experts will guide
you on the most ideal mode of remittance.
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