Financial planning when done right helps you to achieve goals and targets which requires money. An individual in his lifetime uses a variety of investment, risk management, and tax planning strategies to meet their financial goals. Shri Ashutosh Securities Pvt. Ltd. helps and plans for you from scratch to top. It first understands your present situation and analyzes where you are now, where you aspire to be in future for that what would you need by the process that involves gathering relevant information about your finances, present conditions, plans for future, insecurities and thus coming up with a plan on how you can meet with your goals. Why financial planning? Financial planning is lies on the fact that your financial decisions are corelated one decision directly or indirectly affects the other one. For eg. Right now, investing in buying a car might push buying a house a bit and so on. That’s why financial planning is important, it provides direction and meaning to financial decisions. Creating a financial plan lets you look at the bigger picture and consequently helps in setting up long- and short-term life goals. With a proper plan it becomes easier to take decisions related to finance and it also helps you to be on right track and keep a check on your efforts. Why Shri Ashutosh Securities Pvt. Ltd.? In case you want to manage your finances better but don’t have idea from where to start and how, we have certified professionals dedicated to answer your where and how. You don’t have time to manage your own finances in that case too we are the trusted partners. An expert’s opinion can save you from mistakes and save you from potential losses and make your finance decisions fruitful. The process that we follow – It starts with evaluating your current financial position. Then together with you we identify your goals. And then work out the best plans for your different financial goals.

Insurance planning is to plan for unexpected events affecting your family, your home, assets, and business. The whole idea behind planning to take insurance is to help individuals recover in the case of an unexpected loss. We here at Ashutosh Securities Pvt. Ltd works with you and identify your requirements and risks and thus suggest you with the cost-effective risk management programs. We recommend the following insurance to you: Life Health Child Insurance Plan General Insurance Personal Accident Insurance Purpose of Insurance Planning The basic purpose of Insurance planning is to seek proper coverage and attain peace of mind in case disaster strikes and identifying the risk before it strikes. Insurance provides partial or full recovery according to your plan. Therefore, Insurance is an economic device that transfers risk from an individual to the company and reduces the risk via pooling. How insurance planning is financial planning? To be honest insurance planning is not financial planning, but it protects you financially in times of crisis. As health insurance prevents you from bankruptcy in times of serious health crunch. Life and death are uncertain and if you have people dependent on you life insurance would give them financial assistance in time your life is lost. Our Insurance recommendations include Insurance For: Life Leaving the world with no life insurance can leave your loved ones with great financial burden. Even your funeral can cost them bucks. So, it’s better to insure them with life insurance and save them from your debts. Health Health crisis can make you bankrupt. So, it’s better to have health insurance as insurance of health can pay off your medical expenses incurred from illness or injury or pay for the care provided directly. Moreover, seeing escalating healthcare costs, medical insurance is an ideal choice.

What is General Insurance? As life is uncertain so is the circumstances of life. Nothing is permanent and nothing is assured. We all are living in an uncertain world. That’s why general insurance, it is the way to protect ourselves and the things that hold value for us such as our homes, our cars and our valuables, from the financial impact of risks, big and small – from fire, flood, storm and earthquake, to theft, car accidents, travel mishaps – and even from the costs of legal action against us. Why General Insurance? Risk is associated with everything that we own, and so is our affection for the things we own. Our hard-earned money goes in things we buy so it becomes important to secure all the things we own. Reasons for choosing a general insurance is – It gives peace of mind against any risk or mishap Throughout the insurance the burden of loss does not exist as all gets covered up by the insurance policy. It is the most beneficial to business man as it saves them from loss and in case of mishaps. It simply saves your assets or belongings from any financial loss incurred. Types of general insurance available – Motor/ Vehicle insurance Home Insurance Travel Insurance Marine Insurance Commercial Insurance Rural Insurance Crop Insurance

What is Health Insurance? Health Insurance is a contract between a policyholder and insurer that in case of illness/ accident that leads to hospitalization the insurer will pay compensation for medical expenses in consideration of the premium paid by the policyholder. In this fast-moving world, one must have health insurance. Why Health Insurance? Illness and accident can come anytime that too unannounced and you might not always be ready for it. Following are the benefits of having health insurance – Cashless Treatment – In times of emergency and sudden illness/ accident you may or may not have cash. A person insured can be at ease as your insurance company works in collaboration with various hospitals and you can get cashless treatments. Pre and post hospitalization cost coverage – Health policy covers pre and posts hospitalization charges up to a period of 60 days. Transportation Charges – Ambulance charges are also covered in the policy. No claim Bonus – In case you did not claim for any treatment in a previous year you will be receiving a bonus this year in the form of NCB. Medical Checkup – Free health checkup is also provided by some insurers. Room Rent – Depending upon the premium being paid your policy also might cover your room expenses. Tax Benefit – Premium paid is tax deductible under section 80D of the Income Tx Act. Things to consider if buying new health insurance – Sum Assured Minimum Entry Age and renewability clause Room Rent Capping Inclusion and Exclusion No Claim Bonus Other Benefits

What is life insurance? It is a contract between a policyholder and an insurer in which insurer guarantees an amount to be paid to the named beneficiary in case of demise of the policyholder. An insurance company promises this death benefit in consideration of the premium paid by the policyholder. Regardless of how much you earn, no one knows what exactly the future holds. And in case you are a sole breadwinner for your family then your sudden demise can shake your family both emotionally and financially. In case you have invested in life insurance your loved ones could be spared from regular household expenses, debts of yours, and they can maintain their standard of living. We all love our families and the least we can do is buy a life insurance plan for them. Benefits of Life Insurance – It will give you peace of mind and you won’t need to be worried about what will happen after you. Makes your loved ones financially independent after you. Protect your home mortgage, loans, credit card borrowings, etc. Covers cost of your funeral and burial, your family need not worry about these costs. Your family can maintain their lifestyle even after you are not in their lives.

What is mutual fund? A mutual fund is a financial vehicle made up with a pool of money collected from many investors to invest in stocks, bonds, money market instrument, and other assets. Mutual funds give small or individual investors access to professionally managed portfolios of equities, bonds and other securities. Each shareholder, therefore, participates proportionally in the gains or losses of the fund. Why mutual fund? Built in diversification – A mutual fund holds a variety of investment options to diversify and thus one’s investment is not put in an individual stock or bond. Not all investment performs well at the same time investing in a variety of investment may offset the impact of poor performers. Professional portfolio management – As you buy a mutual fund you pay a sum of amount to a professional portfolio manager who buys and sells stocks, bonds, etc. Portfolio managers decide where to invest the money in the fund, and when to buy and sell investments. This professional help saves your time and gives you professional help that minimizes risk. Ease of buying and selling – Mutual funds are sold by banks, investment firms, trusted companies, credit unions etc. You can buy funds easily and sell at the time of needs but selling before maturity may get you less than what you invested. A wide range of fund to choose from – In accordance with your financial goals, age, and risk-taking ability you can choose which funds to invest in. Be it equity fund, balanced mutual fund, or bond fund.

What is Tax Planning? A taxpayer is an individual, a business, or an organization who earns money and tax planning is an art undertaken by a tax payer to reduce the total tax liability by proper planning and optimal utilization of all the allowances, deductions, rebates, concessions and exclusions available well within the legal framework. It simply is the management of your income and taxes in a manner that makes you pay less of your hard-earned income in income tax. Tax planning is the analysis of a financial situation from a tax perspective. Why tax planning? It reduces tax liability –By properly arranging liability according to the tax laws and doing precise and planned investment can reduce the tax liability to the maximum. Tax litigation is minimized –A proper tax planning minimizes the risk and conforms to the provisions of tax laws and thus minimizes the incidences of tax litigation. Helps in making the right investment choices – The objective of tax planning is to channelize the taxable income to different investment plans. This reduces the tax paid and thus utilizes money in right investment choices. Impacts economic growth positively –Tax planning methods generate white income and thus via channelizing income positively results in the sound growth in the economy of the country. Here at Shri Ashutosh Securities Pvt. Ltd., our consultants have mastery of the current tax law, complex tax code, and new tax regulations. Also, there are various provisions in the Income Tax Act to save tax. The saving schemes one should opt for would depend on the person income and the tax bracket he/ she is in and our team of professionals helps you at each step and come up with best tax saving plans within the legal framework. Our professionals aim not only to give you short-term tax benefits but also plans to minimize long-term tax implications. We also do periodic review and assessment of our plan and do necessary amends as and when required.

What is Health Insurance? Health Insurance is a contract between a policyholder and insurer that in case of illness/ accident that leads to hospitalization the insurer will pay compensation for medical expenses in consideration of the premium paid by the policyholder. In this fast-moving world, one must have health insurance. Why Health Insurance? Illness and accident can come anytime that too unannounced and you might not always be ready for it. Following are the benefits of having health insurance – Cashless Treatment – In times of emergency and sudden illness/ accident you may or may not have cash. A person insured can be at ease as your insurance company works in collaboration with various hospitals and you can get cashless treatments. Pre and post hospitalization cost coverage – Health policy covers pre and posts hospitalization charges up to a period of 60 days. Transportation Charges – Ambulance charges are also covered in the policy. No claim Bonus – In case you did not claim for any treatment in a previous year you will be receiving a bonus this year in the form of NCB. Medical Checkup – Free health checkup is also provided by some insurers. Room Rent – Depending upon the premium being paid your policy also might cover your room expenses. Tax Benefit – Premium paid is tax deductible under section 80D of the Income Tx Act. Things to consider if buying new health insurance – Sum Assured Minimum Entry Age and renewability clause Room Rent Capping Inclusion and Exclusion No Claim Bonus Other Benefits

What is life insurance? It is a contract between a policyholder and an insurer in which insurer guarantees an amount to be paid to the named beneficiary in case of demise of the policyholder. An insurance company promises this death benefit in consideration of the premium paid by the policyholder. Regardless of how much you earn, no one knows what exactly the future holds. And in case you are a sole breadwinner for your family then your sudden demise can shake your family both emotionally and financially. In case you have invested in life insurance your loved ones could be spared from regular household expenses, debts of yours, and they can maintain their standard of living. We all love our families and the least we can do is buy a life insurance plan for them. Benefits of Life Insurance – It will give you peace of mind and you won’t need to be worried about what will happen after you. Makes your loved ones financially independent after you. Protect your home mortgage, loans, credit card borrowings, etc. Covers cost of your funeral and burial, your family need not worry about these costs. Your family can maintain their lifestyle even after you are not in their lives.

What is mutual fund? A mutual fund is a financial vehicle made up with a pool of money collected from many investors to invest in stocks, bonds, money market instrument, and other assets. Mutual funds give small or individual investors access to professionally managed portfolios of equities, bonds and other securities. Each shareholder, therefore, participates proportionally in the gains or losses of the fund. Why mutual fund? Built in diversification – A mutual fund holds a variety of investment options to diversify and thus one’s investment is not put in an individual stock or bond. Not all investment performs well at the same time investing in a variety of investment may offset the impact of poor performers. Professional portfolio management – As you buy a mutual fund you pay a sum of amount to a professional portfolio manager who buys and sells stocks, bonds, etc. Portfolio managers decide where to invest the money in the fund, and when to buy and sell investments. This professional help saves your time and gives you professional help that minimizes risk. Ease of buying and selling – Mutual funds are sold by banks, investment firms, trusted companies, credit unions etc. You can buy funds easily and sell at the time of needs but selling before maturity may get you less than what you invested. A wide range of fund to choose from – In accordance with your financial goals, age, and risk-taking ability you can choose which funds to invest in. Be it equity fund, balanced mutual fund, or bond fund.

Financial planning when done right helps you to achieve goals and targets which requires money. An individual in his lifetime uses a variety of investment, risk management, and tax planning strategies to meet their financial goals. Shri Ashutosh Securities Pvt. Ltd. helps and plans for you from scratch to top. It first understands your present situation and analyzes where you are now, where you aspire to be in future for that what would you need by the process that involves gathering relevant information about your finances, present conditions, plans for future, insecurities and thus coming up with a plan on how you can meet with your goals. Why financial planning? Financial planning is lies on the fact that your financial decisions are corelated one decision directly or indirectly affects the other one. For eg. Right now, investing in buying a car might push buying a house a bit and so on. That’s why financial planning is important, it provides direction and meaning to financial decisions. Creating a financial plan lets you look at the bigger picture and consequently helps in setting up long- and short-term life goals. With a proper plan it becomes easier to take decisions related to finance and it also helps you to be on right track and keep a check on your efforts. Why Shri Ashutosh Securities Pvt. Ltd.? In case you want to manage your finances better but don’t have idea from where to start and how, we have certified professionals dedicated to answer your where and how. You don’t have time to manage your own finances in that case too we are the trusted partners. An expert’s opinion can save you from mistakes and save you from potential losses and make your finance decisions fruitful. The process that we follow – It starts with evaluating your current financial position. Then together with you we identify your goals. And then work out the best plans for your different financial goals.

What is Wealth Management? Wealth management is an advisory practice which incorporates variety of financial disciplines like investment management, taxation, legal procedures, estate planning, retail banking and many more. In simple terms it means management of a person’s wealth. In common practice this service is given by CFAs (Chartered Financial Analysts), Certified Financial Planners, Chartered Financial Consultants, CAs (Chartered Accountants) and money managers with business management degrees to high net worth individuals. The main goals of wealth management in the modern perspective include ensuring favorable tax treatment and increase income to generate long term growth of existing wealth. Wealth management not only channelizes right investment of surplus funds but also plans expenses for an efficient and sustainable cash flow. We at Shri Ashutosh Securities Pvt Ltd, strive hard to balance different asset classes to maximize returns and minimize potential losses. *Mutual fund investments are subject to market risk. Please read the offer document carefully before investing.