Which different investment options do experts offer investment consultancy in Surat?

On the Crossroads of Investments

 

Surat is expected to be the world's fastest growing city from 2019 to 2035 (Source: Economic Times). The city’s GDP has picked up a good pace since last few years and the natives have always believed in investing aggressively in various investment avenues but the real question here is: Are their investments bearing fruitful returns?

Let us look at the various investments in Surat that various experts offer investment consultancy in Surat -

 

Is the quickest way, the right way?

 

The most tempting option which most consultants offer is trading in Direct Equity through Stock Markets.  Of course, most of these so-called “experts” are equity brokers or sub-brokers who make money every time your money is traded. Hence, smart investors who want to invest their hard-earned money for a long term usually don’t go for this option.

Even then, if investors need exposure in direct equity, they should choose someone who has real knowledge of equities and who can invest their clients’ money after thorough due diligence for a longer term (Minimum 3 years). Mind well that this due diligence doesn’t mean a tip from someone but it consists of hours of Annual Report study, attending management conference calls, having a huge network of veteran investors and constant upgradation in terms of day-to-day news of the investee company.

Remember, investing in stock markets without knowledge is just like gambling in a casino. All you need is luck!

 

Patience is the key

 

Some investment consultants in Surat who know their clients are patient enough to wait for earning higher returns over a long period of time prefer to get their investments done in Equity Mutual Funds. Unstable and impatient investors should not choose to invest in mutual funds as in a short run, it can give minimal as well as no returns. However, investors with low risk appetite can always go for Debt Mutual Funds, as they offer regular and safe returns i.e. up to 9% p.a.

Clients having a comparatively bigger ticket size also go for Portfolio Management Services (PMS) where they get the luxury of concentrated investments and getting their investment portfolio customized in order maximize their returns. For opting these services, the minimum investment must be Rs. 50 lakhs. The investor should ensure that the financials advisors get associated with Asset Management Companies that have a valid PMS license and a minimum of Rs. 10,000 crores of Assets Under Management (AUM).

 

Is Old really Gold?

 

Investors who lack appropriate knowledge and expect safe returns generally go for the traditional plans such as National Pension Scheme (NPS), Public Provident Fund (PPF), National Saving Certificate (NSC) and Senior Citizen Saving Scheme (SCSS). Here are some points to consider regarding these instruments:

  • Financial advisors in Surat do not consider it a preferable source of investment as the rate of return diminishes every year and gradually after taking inflation into consideration, the real rate of return is near to nothing.
  • These instruments also have a high lock-in period

Year

2015-16

2016-17

2017-18

2018-19

2019-20

2020-21

PPF Returns (in %)

8.7

8.1

7.7

8

7.9

7.1

 

 

 

 

 

(Source - https://www.myloancare.in/ppf-interest-rate-calculator/)

 

If the investors pertain more knowledge about the markets, but have a low risk-taking appetite, they can choose to go for Corporate FD’s or Public Undertaking Bonds which offer an interest rate of around 8% p.a. Most of the public undertaking bonds are exempted from taxation

 

But Gold can never go Old…

 

So far it has been discussed about investments in a stable market but what if the markets are not doing good? This is where investments in Gold comes into the picture.

  • It has been usually observed that whenever the stock market is declining, the prices of gold shoots up as they are considered as safe haven.
  • Generally, people are seen more inclined towards investing in physical gold or making gold jewelleries. However, expert financial advisors in Surat always prefer Gold Bonds or ETFs over physical gold as it does not include any cost of storage or making charges.
  • In case of Sovereign Gold Bonds, investors can enjoy the factor of price appreciation and it is the only source of gold investment which offers an interest income of 2.5% p.a.

Anyway, all the investments in Surat are available right at your door step. It takes just one right decision to get fulfilling returns. And this is what financial planners in Surat do for you.

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Torin Wealth Management, G1-B, International Trade Center, Majura Gate, Surat - 395002.

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Phone: 0261 4041122