Products and Services - Specialized

Structured Products: A structured investment product is generally a pre-packaged investment strategy which is based on derivatives, such as a single security, a basket of securities, options, indices, commodities, debt issuances and foreign currencies. A feature of some structured products is a "principal protection" function which offers protection of principal if held to maturity.

Discretionary Portfolio Management Service (PMS) and Non-Discretionary Portfolio Management Service (NDPMS): Investing in equities requires time, knowledge and constant monitoring of the market. For those who need an expert to help manage their investments, Discretionary Portfolio Management Service (PMS) comes as an answer. The benefits of PMS are:

• Your portfolio is tailored after a thorough research backed by the expertise of the Discretionary Portfolio Management Service team.
• An experienced team of portfolio managers ensure your portfolio is tracked, monitored and optimized at all times.

Non-Discretionary Portfolio Management Service (NDPMS) is a consultative and transparent method of investing. With NDPMS, the investor is always consulted and informed of all investment decisions, thus giving him total control of the portfolio.

Private Equity: Private equities are equity securities of unlisted companies. They are generally illiquid and thought of as a long-term investment. Private equity investments are not subject to the same high level of government regulation as stock 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 from sale of property, real estate funds also make money from rentals on property owned by them. Some real estate funds may not actually own property as that may involve above-average risk from volatility in property prices. Instead such funds invest in bonds/instruments that are secured by property. The coupon rate that they receive on these bonds/instruments is then distributed to investors/unit holders as dividends.

Estate Planning: Estate planning is a process involving the counsel of professional advisors who are familiar with your goals and concerns, your assets and how they are owned, and your family structure. It can involve the services of a variety of professionals, including your lawyer, accountant, financial planner, life insurance advisor, banker and broker.

Estate planning covers the transfer of property and may or may not involve tax planning. The core document most often associated with this process is your will.

Commodities*: You may have your debt and equity funds in place, but investing in commodities could just be the one element to improve your portfolio. Commodity trading provides an ideal asset allocation, also helps you hedge against inflation and buy a piece of global demand growth. Investors must understand the demand cycle that commodities go through and should have a view on what factors may affect this. Because commodities prices usually rise when inflation is accelerating, they offer protection from the effects of inflation. Few assets benefit from rising inflation, particularly unexpected inflation, but commodities usually do. As demand for goods and services increases, the price of goods and services usually rises too, as does the price of the commodities used to produce those goods and services. Commodity exposure can be taken either directly through the commodity exchange or through various mutual funds with a mandate of investing in commodities.

Art*: As with any investment, you need to do your research and go beyond your comfort zone. The art market is fickle and there are no guarantees of profitability, but with a little legwork and forethought you can fill your home with images that may prove worthy investments down the line. The price of art is affected by such an array of intangible factors that valuing it can never be an exact science. After all, what one generation finds appealing another may find unsightly. While the market for art might look attractive the investor might well be advised to tread with caution and use the help of trusted / reputed experts.

* Information provided is solely for educative purpose.