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Agnam Advisors LLP, Agnam Advisors LLP, 5th Floor, 175 & 176, Bannerghatta Road, 4th Block, JP Nagar, Bangalore (2026)

02/05/2023

Investing isn't one-size-fits-all. That's why it's crucial to understand your and create an that aligns with your goals.
Learn how in our guide. ⬇️⬇️
https://bit.ly/3ncz6tC

27/04/2023

Understanding is essential for making informed decisions about your finances. It’s important to stay up-to-date on the regulations and laws that affect your , , and other matters. Knowing what you need to know can help you make informed decisions about your finances. Get up to date with policy documents and take control of your finances today!

Click on the link below to know more ⬇️
👉https://bit.ly/41Kyryi

25/04/2023

Asset location and allocation are key for financial advisors to maximize portfolio tax efficiency, but clients often don't provide info across firms.

𝗔𝘀𝘀𝗲𝘁 𝗮𝗹𝗹𝗼𝗰𝗮𝘁𝗶𝗼𝗻 divides investments among different asset classes based on risk tolerance, goals, and time horizon to reduce risk and potentially increase returns. It also allows periodic rebalancing to maintain the desired mix with tax implications in mind. 𝗙𝗼𝗿 𝗲𝘅𝗮𝗺𝗽𝗹𝗲,Long-term equity holdings may lower overall tax liability due to the typically lower long-term capital gains tax rate.

𝗔𝘀𝘀𝗲𝘁 𝗹𝗼𝗰𝗮𝘁𝗶𝗼𝗻 refers to the process of placing different types of investments in tax-efficient accounts. 𝗙𝗼𝗿 𝗲𝘅𝗮𝗺𝗽𝗹𝗲,Investments generating more taxable income can be placed in tax-deferred accounts to reduce overall tax liability, while those generating less can be held in taxable brokerage accounts.

While both asset allocation and asset location are important for tax-efficient investing, they serve different purposes.
👉Asset allocation diversifies to reduce risk & increase returns while asset location places in tax-efficient accounts to reduce taxes.
👉Asset allocation optimizes investment returns and asset location optimizes tax efficiency.

Consider tax bracket, goals, horizon & types of investments when choosing between asset allocation & location.
👉High-tax bracket investors may prioritize asset location to reduce tax liability;
👉long-term investors may prioritize asset allocation for reaching their goals.

Investment in India has various tax implications, e.g. long-term/short-term gains on equities, and income from FDs/bonds/tax-free bonds. Tax-efficient options like PPF, NPS & ELSS reduce overall tax liability & maximize returns.

Asset allocation & location optimize returns and reduce tax liability, enabling investors to maximize after-tax returns and meet their goals through tax-efficient instruments.

22/04/2023

May this Eid-al-Fitr bring you , , and on your investments!
As we celebrate with our loved ones, let's also make smart decisions that will us in the long run. 🌙💰✨

Agnam Advisors LLP wishes you all Eid Mubarak!

20/04/2023

Fixed-income investing is lending money with fixed-interest securities to earn regular income until bond maturity when the principal is returned. The issuer backs these investments which can be short or long-term.

When choosing fixed-income securities, there are several factors to consider. These include:

👉Rating agencies (e.g. CRISIL, ICRA, CARE) rate fixed-income securities issuers; investors should consider the issuer's credit rating when investing.

👉The yield on a fixed-income security is the rate of return that the investor can expect to receive. Higher-yielding securities typically come with higher risk.

👉The duration of a fixed-income security is the length of time until the security matures. Longer-duration securities typically offer higher yields

👉Liquidity = ease of buying/selling fixed-income securities without significant price changes.

Build a portfolio of fixed-income securities to meet your investment goals & risk tolerance. The following are some of the most conventional fixed-income investment plans:

✋Fixed deposits offer investment flexibility, higher returns than savings accounts, and security with a penalty for early withdrawal.

✋Govt. securities, issued by both State & Central govt., are known as Govt. Bonds & are backed by RBI.

✋A corporation issues a corporate bond to raise capital from investors for a set period of time at a fixed interest rate.

✋PSU bonds are issued by gov't-backed businesses, with gov't holding >51% of shares. Low default risk and are fixed-income options from central/state entities.

✋Money market instrument. (T-Bills, commercial paper, CDs, etc.) issued by govt. (RBI) with min. risk & 3m - 1yr duration.

In summary, research & consider fixed-income securities, understand types of bonds, assess risk tolerance/goals, and diversify & manage risks to build a stable portfolio.

17/04/2023

Interest rates affect bond investments and must be understood to make informed decisions. Rates are usually expressed as a percentage of the borrowed amount and determine interest repayments to lenders.

There are different types of bonds available for investment varying in interest rates and risk. Common types are gov't bonds (lowest risk/default), corporate bonds (higher risk), and municipal bonds (tax-exempt, popular for higher tax brackets).

Advise on bonds when interest rates fluctuate: When interest rates rise, demand higher yields = bond prices fall; when interest rates fall, accept lower yields = bond prices rise. Let’s see how interest rates impact bond investing:

👉Interest rates affect bond prices/returns, so they're important indicators for bond investments.
👉RBI sets repo rate, a benchmark interest rate for debt markets serving as a guideline for other rates.
👉RBI's repo rate cut boosts borrowing, spurring higher spending & stock prices, lower bond prices as investors seek better returns.
👉RBI increasing repo rate makes borrowing more expensive, reducing spending, lowering stock prices & raising bond prices since investors prefer bonds' higher yields over stocks'.
👉Changes in interest rates can affect bond investments, so monitoring them is important for successful strategizing.

Inflation soared in 2022 post-pandemic, prompting the Fed to increase interest rates; the fed fund effective rate rose from 0.08% in Jan '22 to 4.57% in Feb '23, and the 10-year ' yield increased from 1.63% to 3.95%. The bond yield is calculated as:

𝗕𝗼𝗻𝗱 𝘆𝗶𝗲𝗹𝗱 = 𝗔𝗻𝗻𝘂𝗮𝗹 𝗰𝗼𝘂𝗽𝗼𝗻 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 / 𝗕𝗼𝗻𝗱 𝗽𝗿𝗶𝗰𝗲

A ₹35,000 bond w/an annual coupon payment of ₹3,500 yields 10%. If price falls to ₹28,000, yield increases to 12.5%; if price rises to ₹39,500, yield drops to about 9%.

Invest in bonds to diversify and generate income, but understand related risks. Stay informed on interest rates, credit quality, and your goals/risk tolerance for optimal returns.

15/04/2023

Staying ahead of the curve with the latest RBI Monetary Policy announcement!
Lower inflation targets and increased investments will help accelerate economic growth and ensure a brighter future for India.

Click on the link below to know more:
👉bit.ly/40bGC59

14/04/2023

Create an IPS w/ a financial advisor to outline your investment strategy & make informed decisions.

An IPS is a document drafted by your investment advisor, but should (absolutely) include your input. Basically, it outlines the rules that you want to follow:

👉Your risk tolerance and your goals
👉How your assets will be allocated among asset classes
👉What portion of your assets will remain liquid (that is, in cash or equivalents)
👉What are your specific long and short-term objectives are

An IPS provides actionable guidance for both you and your advisor, helping you stay on course to reach your goals during market volatility.

𝗧𝗮𝗸𝗲 𝗮 𝗹𝗼𝗼𝗸 𝗮𝘁 𝘁𝗵𝗲 𝗳𝗶𝗰𝘁𝗶𝘁𝗶𝗼𝘂𝘀 𝗲𝘅𝗮𝗺𝗽𝗹𝗲 𝗼𝗳 𝗮𝗻 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗣𝗼𝗹𝗶𝗰𝘆 𝗦𝘁𝗮𝘁𝗲𝗺𝗲𝗻𝘁.

Ramesh (30, India) is married with 1 child. He has a moderate income & recently started saving for retirement, but no investments yet. His goal is to retire comfortably w/ enough funds to sustain himself & family.

Given this, Ramesh's Investment Policy Statement (IPS) would include the following:

𝟭. 𝗔𝘀𝘀𝗲𝘁 𝗔𝗹𝗹𝗼𝗰𝗮𝘁𝗶𝗼𝗻: Ramesh should invest 50% in stocks, 40% in fixed income, and 10% in alternative asset classes like real estate or commodities.

𝟮. 𝗥𝗶𝘀𝗸 𝗧𝗼𝗹𝗲𝗿𝗮𝗻𝗰𝗲: Ramesh should be comfortable taking on some risk for higher returns, but only up to a medium level of risk tolerance. He should stay away from high-risk investments & strategies.

𝟯. 𝗧𝗶𝗺𝗲 𝗛𝗼𝗿𝗶𝘇𝗼𝗻: Greater than five years

𝟰. 𝗗𝗶𝘃𝗲𝗿𝘀𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻: Advise Ramesh to diversify his portfolio across different asset classes (e.g. Indian and international equities/debt, mutual funds/ETFs, gold/silver) within specified allocation percentages.

𝟱. 𝗟𝗶𝗾𝘂𝗶𝗱𝗶𝘁𝘆 𝗡𝗲𝗲𝗱𝘀: Reserve 3+ months' expenses in liquid assets; invest excess funds in long-term assets for future goals.

Develop IPS to customize investment recommendations for each client; craft strategy to meet Ramesh's goals, risk tolerance & restrictions; monitor & rebalance portfolio for objectives.

12/04/2023

Taxes can take a big chunk out of your income, so it pays to be aware of all the options available for tax savings. There are many tax-saving investments that provide tax exemptions and returns, as well as revised taxation guidelines for mutual funds. Here is an overview of six such options, along with their respective taxation rules:

𝟭. 𝗘𝗾𝘂𝗶𝘁𝘆-𝗹𝗶𝗻𝗸𝗲𝗱 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 𝘀𝗰𝗵𝗲𝗺𝗲 (𝗘𝗟𝗦𝗦) 𝗳𝘂𝗻𝗱𝘀
Investing in Equity Linked Savings Scheme (ELSS) funds comes with a three-year lock-in period and allows for tax deductions of up to Rs 1.5 lakh per annum under Section 80C.
Gains are taxed at 10%, but up to Rs 1 lakh/year is exempt.

𝟮. 𝗡𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗦𝗮𝘃𝗶𝗻𝗴𝘀 𝗖𝗲𝗿𝘁𝗶𝗳𝗶𝗰𝗮𝘁𝗲 (𝗡𝗦𝗖)
NSC: Govt-endorsed, low-risk small savings instrument with tax savings & guaranteed returns available at Post Offices.
𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁𝘀
Minimum: 1000 per annum
Maximum: No limit
Interest: 8 percent compounded yearly
Tenure: 5 years to 10 years

𝟯. 𝗦𝘂𝗸𝗮𝗻𝘆𝗮 𝗦𝗮𝗺𝗿𝗶𝗱𝗱𝗵𝗶 𝗬𝗼𝗷𝗮𝗻𝗮 (𝗦𝗦𝗬)
Launched Jan. 22, 2015, as part of the "Beti Bachao, Beti Padhao" Campaign, Sukanya Samriddhi Yojana (SSY) encourages families to invest in the education & marriage expenses of girl children aged 10 or below via Post Offices or authorized commercial banks.
𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁𝘀
Minimum: Rs 250 per annum
Maximum: Rs 1.5 lakh per annum
Interest: 7.6 percent compounded annually
Tenure: 21 years from the date of account opening. It can be closed prematurely after five years in certain cases.

𝟰. 𝗣𝘂𝗯𝗹𝗶𝗰 𝗣𝗿𝗼𝘃𝗶𝗱𝗲𝗻𝘁 𝗙𝘂𝗻𝗱 (𝗣𝗣𝗙)
PPF is a government-backed scheme that provides one of the highest returns on investment among all other tax-saving instruments.
𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁𝘀
Minimum: Rs 500 per annum
Maximum: Rs 1.5 lakh per annum
Interest: 8 percent compounded annually
Tenure: 15 years. One can extend the account in blocks of five years on completion of 15 years.

𝟱. 𝗡𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗣𝗲𝗻𝘀𝗶𝗼𝗻 𝗦𝘆𝘀𝘁𝗲𝗺 (𝗡𝗣𝗦)
NPS is a Govt. of India initiative providing pensions to all Indians; mandatory for some govt. employees, optional for private-sector ones (in addition to EPFO). Employee contribution: 10% of basic salary + DA, employer match; market-linked, no capital protection.
𝗟𝗶𝗾𝘂𝗶𝗱𝗶𝘁𝘆
NPS: 3yrs; 25% max withdrawal; up to 3 withdrawals.
𝗘𝘅𝗶𝘁 𝗢𝗽𝘁𝗶𝗼𝗻

10/04/2023

A goal-based investment strategy is one of the most effective ways to ensure that you have a secure financial future. It involves setting specific goals and then taking steps to ensure that those goals are achieved. However, choosing the right alternative investment can be a daunting task.

𝐋𝐞𝐭’𝐬 𝐬𝐞𝐞 𝐡𝐨𝐰 𝐭𝐨 𝐢𝐝𝐞𝐧𝐭𝐢𝐟𝐲:

👉Firstly, you should determine your risk tolerance level and decide whether or not you’re comfortable investing in more volatile markets such as real estate or commodities.

👉Then, you will need to assess how long-term goals are and whether or not they require regular capital injections over time in order to achieve them.

👉It’s important to research each of the different types of alternative investments available and compare their potential returns before making a decision.

👉Mutual funds provide investors access to professionally managed portfolios of stocks, bonds, and other securities with varying levels of risk. They often include gold ETFs for added safety during downturns.

👉Real estate can yield attractive returns with higher initial capital investment than stocks/bonds and usually provide more stability than stock markets due to external shocks.

👉Hedge against inflation w/ commodities; value rises/falls with supply & demand; higher demand = higher prices, greater investor profit.

Also, Fixed deposits are widely viewed as one of the most reliable, consistent, and advantageous short-term investment choices. Investing in fixed deposits can provide you with a number of benefits, such as: Generating higher yields from a variety of FD plans; and hassle-free annual renewal which will allow you to take advantage of compounding returns.

When selecting an alternative investment strategy for goal-based investing all decisions must be made with careful consideration given not only towards the expected returns but also any associated costs and tax implications involved with each option before committing any money into the asset classes. As always professional advice should be sought before making any major decision about your finances which includes investing for long-term goals too!

09/04/2023

May this easter bring you , , and hope. Let's take a moment to appreciate the blessings in our lives and spread kindness to those around us.

Agnam Advisors wishing you all a wonderful day spent with and Easter treats 🐰🥚🌷

05/04/2023

The world of investing can be overwhelming and confusing. However, you can maximize your returns and minimize risks with the right approach. The three pillars of RRR are key in helping you make the right decisions when it comes to investing your hard-earned money.

✋𝗥𝗶𝘀𝗸: Investing carries risk, but understanding the nature and type of risk can help inform decisions. Options include stocks, mutual funds, etc.; evaluate each carefully before investing.

✋𝗥𝗲𝘁𝘂𝗿𝗻:Every investor looks for returns on their investments and this is achieved through diversifying your portfolio across different asset classes like equity, debt or gold, etc. Diversification helps spread your risk and ensures that gains in other assets balance losses experienced in one asset class.

✋𝗥𝗲𝘄𝗮𝗿𝗱:: Rewards fall into 3 levels: low (lowest benefits/gains & risk), medium (moderate benefits/gains & risk), and high (highest potential benefits/gains & risk).

Here are some points outlining how RRR differs for different investors:

👉𝗖𝗼𝗻𝘀𝗲𝗿𝘃𝗮𝘁𝗶𝘃𝗲 𝗜𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀: Conservative investors prioritize the safety of their investments and prefer low-risk investments like fixed deposits and bonds. For such investors, the RRR model would prioritize risk over return and reward.

👉𝗠𝗼𝗱𝗲𝗿𝗮𝘁𝗲 𝗜𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀: Moderate investors prioritize a balance between risk and return and are willing to take some risk for higher returns. For such investors, the RRR model would prioritize a balance between risk, return, and reward.

👉𝗔𝗴𝗴𝗿𝗲𝘀𝘀𝗶𝘃𝗲 𝗜𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀: Aggressive investors prioritize high returns and are willing to take high risks for potentially high rewards. For such investors, the RRR model would prioritize return and reward over risk.

Seek professional advice to use the RRR model to evaluate investment options and plan carefully for a successful portfolio.

Agnam Advisors LLP

02/05/2023

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25/04/2023

22/04/2023

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05/04/2023

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