Jmsecuritiesindia

21/04/2017

23/03/2016

we, at early stage of life should save and investment for better tommorrow

23/03/2016

23/03/2016

we at jmsecurities & investments provide all finanacial services,like PMS MANAGMENT,PORTFOLIO DESIGN,FINANCIAL PLANING AND WAELTH MANAGEMENT SOLUTION TO OUR CORE CLIENTS SINCE 1997

15/07/2013

The first step to meeting your financial goals is devising an effective and realistic Investment Plan based on your risk profile, time horizon of investment and the financial goal. It is serious business, as it requires correct asset allocation, product selection and regular review and rebalancing. And, it is never too soon to start thinking about planning for your future.



You might want to fund your daughter’s marriage, build a house for your family or plan for your retirement. Without proper planning you might not be able to achieve any of your life's milestones.Our Investment Planner analyses your ability to handle short-term fluctuations in the value of your investments, both financially and psychologically. It is based on the amount of risk you wish to take based on the rewards you want to gain.
Know only
one fact
the power of compounding

15/07/2013

Like every parent, you too must be overjoyed to watch your child grow. All parents want to give the best possible upbringing to their children. This includes good education and security, in case of any eventuality. Soon, your little bundle of joy will grow up, and it will be time to provide for his or her higher education and wedding.



The purpose of Children's Future Planning is to create a corpus for foreseeable expenditures such as those on higher education and wedding, and to provide for an adequate security cover during their growing years.

Children's Future Planning acquires added importance because children's education and wedding are high priority life goals, which can neither be postponed nor can there be a compromise on the amount.

Good education has always been the passport to a secure future. Today, career opportunities have grown manifold, and there are many professional course that your child can aspire for. However, costs of higher education have also increased exponentially.

Like most parents, you might be saving regularly to ensure a safe tomorrow for your child. However, savings alone is no longer enough. For ensuring adequate funding of your child's education, you as a parent, need to do two things:

1. Invest appropriate amount systematically and at regular intervals
2. Provide for a financial security blanket to cover any eventuality

It is never too early to start saving and investing for your child's future. Especially in today's context. For example, the cost of a professional degree today is approximately Rs 2.5 lakhs. If your child is one-year-old today, after 17 years when he/she goes to college, you may require a sum of Rs 6.3 lakhs, assuming an annual rate of inflation of 6%.

There are many products which your Financial Planner can use to achieve the above objectives. For example, he could suggest a Children's Future Plan offered by any good insurance company, to build a corpus for your child's higher education, and provide for a security cover in the event of the parent's unfortunate demise.

Children's plans are also available under unit-linked option. Being unit-linked, they offer access to investments in all kinds of asset classes - equity, debt and cash.

15/07/2013

ULIP products give you the advantage of life insurance cover together with the market calibrated returns. In a ULIP just like,' with profit' policies, the insurer deducts charges towards life insurance (mortality charges), administration charges and fund management charges. The rest of the premium is used to invest in a fund that invests money in stocks or bonds.



Which is better, unit-linked or ‘with profits’?

The two strong arguments in favour of unit-linked plans are that — the investor knows exactly what is happening to his money and two, it allows the investor to choose the assets into which he wants his funds invested.

A traditional ‘with profits,’ on the other hand, is a black box and a policyholder has little knowledge of what is happening. An investor in a ULIP knows how much he is paying towards mortality, management and administration charges.

Plans available : Trade off between return and risk.

• High equity exposure : high risk-high return

• Medium equity exposure : medium risk – medium return

• Low equity exposure : low risk- low return

15/07/2013

To cater to the specialized demands of a new breed of clients who require customized solutions to their financial needs,
J.M. Securities has a professional team dedicated to carry out this task.. This highly skilled team builds unique investment strategies designed to suit their specific needs. Following an in-depth analysis of the client's income, expenditure, taxation and risk profile, they build sophisticated asset allocation models across equity and debt products with varying financing patterns to determine the optimal investment strategy. Periodic performance reviews are carried out to analyze return and measure accomplishments against benchmark indicators.



Value additions to our Portfolio Advisory Services


Inputs from our in-house Research Division help our portfolio advisors in recommending specific investment options within the overall strategy.


Suggestions on several model portfolios with different asset allocation models leading to varying return-volatility profiles, to enable the client to better assess his options.


Regular portfolio monitoring and timely entry/exit advices, assist clients in optimizing his portfolio return, which otherwise is difficult to manage due to his busy schedule.


Use of derivatives for hedging and increasing portfolio efficiency.

15/07/2013

J.M. Securities, provides you with a wide variety of mutual fund schemes to invest in, offered by leading Asset Management Companies such as Franklin Templeton, Kotak, ICICI Prudential etc.

Mutual fund is a pool of money, collected from investors, and is invested according to certain investment objectives The most important characterstic of a mutual fund is that the contributors and the beneficiaries of the fund are the same class of people, namely the investors.



Products offered by mutual fund

Mutual Funds provide a wide a variety of schemes and allows you to choose the one that suites your return-risk attribute.

Equity Funds (High yield high risk)

Balanced Funds (medium yield medium risk)

Debt Funds (low yield low risk)

ADVANTAGES
DIVERSIFICATION : The cliché, "don't put all your eggs in one basket", really applies to the concept of intelligent investing. Diversification lowers your risk of loss by spreading your money across various industries and geographic regions.

PROFESSIONAL MANAGEMENT : AMC’s have a research team that continuously analyse the performance and prospects of companies and manage the funds accordingly.

AFFORDABILITY : As a small investor, you may find that it is not possible to buy shares of larger corporations. Mutual funds generally buy and sell securities in large volumes which allow investors to benefit from lower trading costs.

TAX BENEFITS : Investments held by investors for a period of 12 months or more qualify for capital gains tax and will be taxed accordingly (10% of the amount by which the investment appreciated, or 20% after factoring in the benefit of cost indexation, whichever is lower).

LIQUIDITY : With open-end funds, you can redeem all or part of your investment any time you wish and receive the current value of the shares.

RUPEE COST AVERAGING: With rupee-cost averaging, you invest a specific rupee amount at regular intervals regardless of the investment's unit price. As a result, your money buys more units when the price is low and fewer units when the price is high, which can mean a lower average cost per unit over time.

TRANSPARENCY : As a unitholder, you are provided with regular updates, for example daily NAVs, as well as information on the fund's holdings and the fund manager's strategy.