Our Services

Mutual Funds

A mutual fund is an investment vehicle that pools money from many investors and invests it in various securities like stocks, bonds, gold, and other assets. The fund is managed by a professional fund manager who makes investment decisions on behalf of all the investors. The returns or losses from these investments are then distributed among the investors in proportion to the size of their investment.

How mutual funds work

• Professional management: Your money is managed by experienced professionals, which can be a good option for people who are not experts in the stock market.

• Diversification: By investing in a mutual fund, you can own a diversified portfolio of different securities, which helps reduce risk.

• Affordability: You can start investing in mutual funds with a relatively small amount of money, which makes them accessible to many investors.

• Regulation: In India, mutual funds are regulated by the Securities and Exchange Board of India (SEBI), which ensures transparency and protects investors' interests.

Types of mutual funds

• Equity funds: These funds invest primarily in stocks. They are further categorized based on the market capitalization of the companies they invest in (e.g., large-cap, mid-cap, and small-cap).

• Debt funds: These funds invest in debt instruments like bonds. They generate returns by lending money to corporations and governments.

• Hybrid funds: These funds invest in a mix of asset classes, such as both equity and debt.

Insurance

Insurance policy is a legally binding contract between a person or entity (the policyholder) and an insurance company (the insurer). In exchange for the policyholder's regular payments, called premiums, the insurer promises to provide financial compensation for specified losses or damages. Insurance works on the principle of risk management, where a person can transfer the risk of a potential financial loss to a larger group through the insurance company. The premiums from many policyholders are pooled together to pay for the losses that only a few will incur.

Common types of insurance
Insurance is broadly categorized into two types: life insurance and general insurance.

Life insurance
Life insurance provides a financial safety net for your family or designated beneficiary in the event of your untimely death during the policy term. Some common types include:

• Term Insurance: Provides financial protection for a fixed period. If the policyholder dies within that term, the nominee receives the death benefit. There is typically no payout if the insured person survives the term.

• Whole Life Insurance: Provides coverage for the policyholder's entire life. It also has a savings component that accumulates cash value over time.

• Unit-Linked Insurance Plans (ULIPs): These plans combine insurance coverage with investment opportunities. A portion of the premium is used for life cover, and the rest is invested in various market-linked funds.

• Endowment Plans: These plans combine insurance with a savings component. They pay out a lump sum either upon the policyholder's death or when the policy matures.

General insurance
General insurance covers non-life assets and events. Common types include:

• Health Insurance: Provides financial coverage for medical and hospitalisation expenses arising from illness, injury, or accidents.

• Motor Insurance: Legally mandatory for all vehicles in India. It covers damage or loss to your vehicle and provides compensation for third-party liabilities in case of an accident.

• Home Insurance: Protects your house and its contents against damage or loss from natural calamities, fire, or theft.

• Travel Insurance: Covers risks associated with traveling, such as trip cancellations, lost baggage, and medical emergencies, both domestically and internationally.

Key insurance terms to know

• Premium: The regular amount you pay to the insurance company to keep your policy active.

• Sum Assured/Sum Insured: The maximum amount of money the insurance company will pay out in the event of a valid claim.

• Deductible: The amount you must pay out-of-pocket before your insurance coverage begins to pay.

• Claim Settlement Ratio (CSR): The percentage of total claims an insurer settles in a given year. A higher CSR generally indicates a more reliable insurer.

• Exclusions: Specific conditions or situations under which the insurance policy will not provide coverage.

Importance of having insurance

• Provides financial protection: Insurance acts as a financial safety net, protecting your and your family's finances from unexpected, high-cost events.

• Manages risk: By paying a manageable premium, you transfer the risk of a large financial burden to the insurance company.

• Offers peace of mind: Knowing you have financial protection in place can reduce stress and anxiety about potential future setbacks.

• Meets legal requirements: In some cases, such as motor insurance, coverage is mandatory by law.

• Provides tax benefits: Premiums paid for certain life and health insurance policies offer tax deductions under sections 80C and 80D of the Income Tax Act.

Portfolio Management Services

In finance, PMS stands for Portfolio Management Services, a specialized investment service for high-net-worth individuals (HNIs). A professional portfolio manager is hired to actively manage a client's investments, crafting a customized portfolio of securities to meet their specific financial goals and risk tolerance.

Portfolio Management Services Workflow:

• Direct ownership: Unlike a mutual fund where investors own units of a pooled trust, PMS clients have direct ownership of the underlying securities in their own dedicated Demat account.

• Customized strategies: The portfolio manager develops a unique investment strategy based on the client's individual needs and risk appetite. This contrasts with mutual funds, which follow a single, standardized strategy for all investors.

Types of Portfolio Management Services:

• Discretionary PMS: The manager has full authority to make investment decisions on behalf of the client without prior approval.

• Non-discretionary PMS: The manager advises the client, but all final investment decisions are made by the client.

Who is PMS for?
PMS is primarily for high-net-worth individuals (HNIs) who have a large amount of capital to invest (INR 50 lakh or more) and are comfortable with a higher level of risk and volatility. It suits those who want personalized, actively managed portfolios and are willing to pay higher fees for that service

FAQs

What services do you offer?

We provide holistic financial advice including wealth management, retirement planning, and investment strategies tailored to your goals.

How do I start?

Begin by contacting us through the website’s contact form to schedule a free consultation with our financial experts.

Is my information secure?

Yes, we prioritize your privacy using secure data protocols and confidential handling to protect all your personal and financial information.

What makes you different?

Our approach combines professional expertise with a holistic view of your financial health and long-term wellbeing.

Do you offer ongoing support?

Absolutely, we provide continuous guidance and updates to help you adapt your financial plan as life changes.

"We don't have to be smarter than the rest. We have to be more disciplined than the rest"
- Warren Buffett

+91 9987 75967
pranav.khandalkar@wealth-sampann.in