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Fund Finesse
Fund Finesse is a bouquet of comprehensive financial products such as Capital Gain Bonds, Initial Public Offers (IPOs), Equities, and Mutual Funds. We have pioneered the concept of offering financial allied services, as a basket to cater to the diversified investment needs of our clients. It is our path-breaking initiative to guide investors to a product portfolio that best suits their risk-return profile.
Applications for investments can be obtained from any of the Tradewell offices. Apart from guiding our investors to pickup the right combination of investment instruments, we also support them with complete customer-friendly 'after-sales' service. Thus we act as an interlocutor between the investor and the issuer of the securities.
Mutual Funds
We strongly advocate that smart investment is the steppingstone to achieve one's financial aspirations. Mutual Funds offer an opportunity to long-term wealth creation. However, with more and more funds flooding the market, the task of selecting the most suitable scheme gets even more complicated for individual investors. Mutual Fund Advisory Service at Tradewell guides you through this maze and ensures that your investments are backed by our quality research.
Tradewell is an AMFI Registered Mutual Fund Advisor (ARMFA). We, at Tradewell help you to reach your financial goals by offering:
- Financial products of 20 AMCs
- Customized Mutual Fund portfolios
- Portfolio revision (based on changes in market and evolving trends)
Mutual Funds offer a wide variety of investment option depending on the risk taking nature of the investor. Some of the major categories are:
- Debt Funds: The Debt Funds have the mandate of investing primarily in Debt papers. An investment pool, such as a mutual fund or exchange-traded fund, in which core holdings are fixed income investments. A debt fund may invest in short-term or long-term bonds, securitized products, money market instruments or floating rate debt. The fee ratios on debt funds are lower, on average, than equity funds because the overall management costs are lower.
- Equity Funds: The Equity Funds have the mandate of investing primarily in Equities. Equity mutual funds are also known as stock mutual funds. Equity mutual funds invest pooled amounts of money in the stocks of public listed companies. Stocks represent part ownership, or equity in companies. The aim of stock ownership is to see the value of the companies increase over time. Stocks are often categorized by their market capitalization (small, medium, and large).
- Balanced Funds: The Balanced Funds have the mandate of investing both in Equities as well as Debt papers. Balanced fund is also known as hybrid fund. It is a type of mutual fund that buys a combination of common stock, preferred stock, bonds, and short-term bonds, to provide both income and capital appreciation while avoiding excessive risk.
Insurance
We provide life insurance products to retail individuals, high net-worth clients and corporates. We offer customer-centric and holistic insurance policies for diverse segments of clients.
Insurance sector has more prominence in current Indian markets, both in terms of investment pattern and attitude of investors. Now there is a paradigm shift from considering insurance as tax saving solution to smart financial option for better financial investment. We provide personalized insurance services with an exclusive team of insurance advisors to offer hassle-free service to the clients.
Reasons to Invest
- Ensuring continuity of income
Today, you are able to support yourself and your family with your income. If something untoward thing happens, due to which your income stops abruptly, the life insurance proceeds can be used to continue to support the family members you have left behind.
- Providing better liquidity
When one dies, one may leave some liquid assets (such as cash, CDs, and savings bonds), and some illiquid assets (such as real estate, an automobile, and stocks). The illiquid assets may have to be sold in order to meet these obligations when they come due. This may cause a financial loss if the assets must be sold cheaply in order to get the money on time. Life insurance can avert this situation, because the proceeds are available almost immediately upon the death of the insured.
- Creating an asset for one’s heirs
After the debts and expenses are paid, there may not be much left over for the family. Life insurance can automatically provide assets for them after the death of the insured.
- Enabling a great investment vehicle
Some types of life insurance policies may actually make money for you, as well as provide the benefits described above. This can help the entire family with long-term financial goals.
- Providing better option through pension schemes
Among people working in private sector are getting attracting towards pension scheme based life insurance for sustainable income after retirement.
Capital Gain Bonds
Capital Gains Bonds come under section 54 EC of Income Tax Act, 1961. Capital Gains Bonds, where investors get exemption from Capital Gain tax.
At present, Tradewell is distributing Capital Gain Bonds of:
- Rural Electrification Corporation
- National Highway Authority of India
These bonds are being issued as 'Long term specified assets' within the meaning of Explanation (b) to sub-section (3) of Section 54-EC of the Income Tax Act, 1961. Those desirous of availing exemption from capital gains tax under Section 54 EC may invest in these bonds. Capital gains arising from transfer of Long-term capital assets can be invested in these bonds within a period of six months from the date of transfer of the asset for getting exemption from the capital gains tax.
Initial Public Offer (IPO)
An Initial Public Offer (IPO) is a means of collecting money from the public by a company or organization for the first time in the market to fund its projects and operations. In return, the company gives the share to the investors in the company.
In an IPO, the Lead Managers generally decide the price of the issue. In a book building offer, the syndicate members decide the indicative price range and the investors decide the price of the issue through a tender method.
A draft prospectus provides the information on the financials of the company, promoters, background, tentative issue price and so on. It is filed by the Lead Managers with the Securities and Exchange Board of India (SEBI) to provide issue details. Overview of the draft prospectus can be seen on their official website www.sebi.gov.in The final prospectus has to be printed after obtaining the clearance from SEBI and the Registrar of Companies (ROC).
With rich domain expertise, we offer comprehensive IPO services such as:
- Support in execution of Initial Public Offers (IPOs)
- Assistant in book building process
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