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Wealth Management

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Wealth Management

It’s time to plan your future now with right investment and with advise of right expert.

Wealth management means dealing with advisory services related to investments and increasing the net worth of clients. So, we Corporate Genie are having teams of experts who can easily manage your wealth and generate great amount of returns in coming years.

    Book appointment with Wealth Management Experts

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    There are various types of plans we offers related to wealth management which are as follows-

    A) Debt Management Plan

    Debt is usually a symptom of a core issue rooted in psychology and money management skill-set. Under-earning, impulse-spending, living in a money fog, not being able to save money, and not being on the same financial page with your partner are the core issues. We help our clients identify their core issues and work out a step by step process to attain independence and live a life of abundance. Our debt management plan includes the following:

    • Money Behavior Analysis to understand the core issues
    • Data collection and assessing client’s current financial situation
    • Assessing financial risks and creating risk management plan
    • Developing a customized debt management plan
    • Negotiate, Eliminate, or Consolidate Debt
    • Creating the debt reduction plan
    • Monitoring the debt reduction plan
    • Once debt free, learn to manage your finances so you never have to face debt again.

    B) Financial Planning

    Planning is the action of bringing the future into the present so that you can do take decisions about it”. We at Company Name, care for your dreams and plan ahead to see that money doesn’t obscure your aspirations.
    Financial Planning Process:

    • An initial meeting to educate you about our process and answer your queries
    • Understanding your needs and objectives and data collection
    • Identification of your financial concerns
    • Preparation of personalized financial plan that suits your needs and concerns
    • Presentation of your financial plan and answer your queries
    • Implementing of agreed recommendations
    • Periodic strategic review and revision of plan


    Systematic Investment Plan (SIP) is a disciplined way of investing, where you invest fixed amounts at a regular frequency (say, every month or quarter). It is bit by bit systematic investment. For example, you commit to invest a pre-specified amount (Rs 500 onwards) every month in a mutual fund. You fix a date on which every month the amount gets invested. The first investment has to be by a cheque and then you can opt for electronic clearing system (ECS).
    It is very simple to operate an SIP — after the initial account opening it can work automatically through a standing instruction. Investors should not make the mistake of closing the SIP during a bear phase in the market. Markets are cyclical and during a bear phase the investor is able to get more number of units as he is able to buy low. SIP in 3 – 4 equity funds should be able to give the investor the necessary diversification.

    How it Works

    SIP is an option through which the investor can decide to invest a fixed amount on a monthly basis for a fixed period in the scheme(s) of his choice. SIP in an equity fund acts as a tool to create wealth in the long-term.

    There are several advantages of opting for an SIP in an equity fund

    Allows the investor to invest even a small fixed sum of money at regular intervals

    It reduces risk by making volatility work in investor’s favour

    It provides the benefit of rupee cost averaging — investors gets more units at low NAV and vice-versa

    Power of compounding allows small amounts to grow into a significant amount in due course of time

    Imparts time tested discipline to investing and helps to manage anxiety caused by dips in the market.

    Advantage of SIP

    The advantages that MFs offer include professional management, affordability, liquidity and convenience. Besides, they are well regulated, transparent and tax efficient. Having invested in a MF scheme, the investor need not track the Net Asset Value (NAV) or performance on a daily basis.

    Power of Compounding

    SIP helps you to start investing at an early age to meet the greater expenses of your life. Saving a small sum of money regularly makes money work with greater power of compounding with significant impact on wealth accumulation.

    Rupee Cost Averaging

    SIP minimizes the effects of investing in volatile markets. It helps you average out your cost by generating superior returns in the long run. It reduces the risk associated with lump sum investments. Since, you get more units when the NAV drops and fewer when it rises, the cost averages out over time. Thus, the average cost of your investment is often reduced.

    Convenience and Regularity

    SIP gives you the convenience to pay through Axis Bank Electronic Clearance Service (ECS) or Auto Debit. You can decide the amount and the mutual fund scheme. A fixed amount will automatically get debited from your account on a date specified by you.

    Disciplined approach towards investment

    Since you invest regularly, it makes you disciplined in your savings, which leads to wealth accumulation. Disciplined investing is vital to earning good returns over a longer time frame.


    In Systematic Transfer Plan, a fund house allows investors to invest a lump sum amount in one mutual fund scheme and transfer regularly a pre-defined amount into another scheme. STP is of three types: Fixed, Flexi and Capital Appreciation. A fixed STP is where investors take out a fixed sum from one investment to another. A capital appreciation STP is where investors take the profit part out of one investment and invest in the other. In Flexi STP, the investor has a choice to transfer a variable amount. The fixed amount will be the minimum amount and the variable amount depends upon the volatility in the market.


    Systematic Withdrawal Plan (SWP) is a service offered by mutual funds which provides investors with a specific amount of payout at a pre-determined time intervals, which can be monthly, quarterly, half-yearly or annually. An investor can customize the cash flows as desired; he can either withdraw a fixed amount or just the capital gains on his investments. SWP provides the investor with a regular income and returns on the money that is still invested in the scheme. There are two types of SWP: Fixed Withdrawal and Appreciation Withdrawal. In a fixed withdrawal option, the investor specifies the amount he wants to withdraw from his investment on a monthly/quarterly basis. And in an appreciation withdrawal option, the investor withdraws only the appreciated amount on a monthly/quarterly basis. Calculators


    PMS is a tailor-made professional service offered to cater the investment objectives of different investor classes. The investment solutions provided by PMS caters to a niche segment of our clients. The clients can be Individuals or Institution entities with high net worth. In simple words, a Portfolio Management Service provides professional management of your investments to create wealth. When you invest in PMS, you own individual securities unlike a mutual fund investor, who owns units of the fund. You have the freedom and flexibility to tailor your portfolio to address personal preferences and financial goals. We also have an access to a number of third party PMS by various Fund Houses and NBFCs with a research desk that actively analyzes and tracks their performance. Our service provides professional management of your portfolios with the objective of delivering consistent long-term performance while controlling risk. We recognize that portfolios need to be constantly monitored and periodic changes are needed to be made to optimize the results. A research team is responsible for establishing our investment strategy and providing us real time information to support it. Also, we take care of all the administrative aspects of a particular portfolio with a monthly reporting on the overall status of the portfolio and its performance. There is an active communication by means of regular statements and updates. Web-enabled access will ensure that you are just a click away from all information relating to your investment.

    Any Query ??
    Don't hesitate to contact us

    We can work on any of the Accounting Software of your choice and deliver you the work on time.

    This is a unique solution provided by us to those investors who feel :

    Their investments are messed up due to wrong advisory or wrong decisions.
    They have bought wrong insurance policies and investment products.
    Their investments are consistently making losses.
    There is no risk management strategy in their portfolio.
    They have not made any Asset allocation.
    Their Investments are not made considering their Life goals like Retirement Planning, Child Education Planning.
    They don’t have any Succession Plan in place.

    Bonds, Corporate FDs & Government Securities

    A bond can be defined as a debt investment, wherein money is loaned by an investor to a corporate or government entity, which borrows the funds for a specified time-frame at a variable or fixed interest rate. Companies, Municipalities, States and Sovereign Governments use the bond route to raise money and finance several projects and activities. Bond owners are debt holders or creditors of the issuer.
    NHAI Capital Gain Bonds Series XII
    The National Highways Authority of India(NHAI) is responsible for the development, maintenance and management of National Highways entrusted to it and for matters connected or incidental there to.

    Capital Gain Bonds

    As per provisions of Income Tax Act, 1961, any long term capital gains arising from transfer of any capital asset would be exempt from tax under section 54EC of the Act if: The entire capital gain realized is invested within 6 months of the date of transfer in eligible bonds

    Such investment is held for 3 years
    To avail of capital gain exemption, the bonds so acquired cannot be transferred or converted into money or any loan or advance can be taken on security of such bond within 3 years from date of acquisition else, the benefit would be withdrawn
    If the amount invested in bonds is less than the capital gains realized, only proportionate capital gains would be exempt from tax.
    The eligible bonds under Section 54 EC are RECL (Rural Electrification Corporation Ltd) and NHAI (National Highways Authority of India).
    The maximum investment limit amount is Rs. 50 Lakhs.
    The block period for the investment of these two companies is 3 years.
    100% risk free investment

    Capital Gain be saved Under Sec 54EC or Sec 54F, if the land or property sold is non-agriculture. We deal in such bonds which qualify for Sec 54EC Bonds.

    Tax can be saved under Section 54 EC by investing in bonds

    Tax can be saved under Section 54 F by investment in New residential house

    Rural Electrification Corporation Limited (REC) & National Highways Authority of India (NHAI) are permitted to issue capital gains bonds under Section 54 EC.

    GOI Bonds

    An investment avenue in which an investor loans money to an entity (government or corporate) that borrows funds for a defined period of time at a fixed interest rate. Bond market has not attracted retail investors to it. But in recent times, lackluster equity markets and low rate of interest have attracted retail investors towards bonds issued by corporate.
    Advantage: The rate of interest is high.
    Disadvantage: No security, interest earned is taxable. So before investing in bonds do check the credibility of the company offering the bond and past record of the company.

    Perpetual Bonds

    A perpetual bond is a financial instrument with no maturity date. For the issuer of these bonds, these become quasi equity, something that they need not repay as there is no maturity date.
    The investor or the bond holder will get a fixed interest every year. Since the bonds have no maturity, the investor has to exit through secondary debt market in case of need.

    Fixed Maturity Plan

    FMPs, are the equivalent of a fixed deposit in a bank, with a little difference. The FMPs returns are only indicated and not ‘guaranteed’, since the fund house knows the interest rate that it will earn on its investments, it can provide ‘indicative returns’ to investors. FMPs are debt schemes, where the corpus is invested in fixed-income securities.
    FMPs are investment options for sure if you want to park your money for short term. They are more tax efficient and give better post-tax returns. Though returns are not 100% guaranteed, they are almost risk free

    Corporate Fixed Deposit

    When most people think about fixed deposits, the first thing that comes to their mind is approaching a bank to open a fixed deposit. However, that is not the only place where you can open fixed deposits. Many finance houses also offer investors the facility to open fixed deposits that offer interest rates that can be higher than what most banks offer.
    The deposit placed by investors with companies for a fixed term carrying a prescribed rate of interest is called Company Fixed Deposit.
    These deposits are unsecured, i.e. if the company defaults, the investor cannot sell the collateral to recover his capital, thus making them a risky investment option.
    We offer a range of Corporate Fixed Deposits varying in tenures, interest rates & institutions to suit your investment needs. The deposit schemes have been specially chosen from high-safety options to ensure that you enjoy the twin benefits of returns and protection.
    Corporate Fixed Deposits are best suited for investors who want to earn fixed returns on their investments. Our rich menu of AAA and AA rated fixed deposits of varying tenures provide stability to your portfolio amid volatile markets.

    Fixed Maturity Plan

    FMPs, are the equivalent of a fixed deposit in a bank, with a little difference. The FMPs returns are only indicated and not ‘guaranteed’, since the fund house knows the interest rate that it will earn on its investments, it can provide ‘indicative returns’ to investors. FMPs are debt schemes, where the corpus is invested in fixed-income securities.
    FMPs are investment options for sure if you want to park your money for short term. They are more tax efficient and give better post-tax returns. Though returns are not 100% guaranteed, they are almost risk free


    A debenture is a document that either creates a debt or acknowledges it, and it is without collateral. In corporate finance, this term is used for medium to long-term debt instrument used by large companies to borrow money. In some countries, the term is used interchangeably with bond, loan stock or note.
    Debentures have no collateral. Bond buyers generally purchase debentures based on the belief that the bond issuer is unlikely to default on the repayment. An example of a government debenture would be any government-issued Treasury bond (T-bond) or Treasury bill (T-bill). T-bonds and T-bills are generally considered risk free because governments, at worst, can print off more money or raise taxes to pay these type of debts.

    Mutual Fund

    Mutual fund is an investment tool, where funds are collected from different interested investors and are invested in securities such as stocks, bonds, money market instruments and such assets.
    In India, mutual funds are generally handled by fund managers, also referred to as the portfolio managers. They are responsible for investing the fund’s capital and produce capital gains and income for the fund’s investors. They also maintain a structured portfolio to match the investment objectives.
    Here at Arhaum Enterprises(Indian Wealth Management) we offer a number of ways to invest in mutual funds that are professionally managed by well-known and respected fund managers.
    We offer mutual funds ranging from debt to equity. We establish our selection on first-hand, in-depth research taking into consideration various factors including investment philosophy, portfolio quality, risk-adjusted returns and market development.


    Every mutual fund scheme has a well-defined objective and behind every scheme, there is a dedicated team of financial experts working in tandem with specialized investment research team. These experts diligently and judiciously study companies, their products and performance, and after thorough analysis, they decide on the best investment option most aptly suited to achieve the scheme’s objective as well as investor’s financial goals. So, our clients have to sit back and not be concerned in regards to the knowledge and understanding of managing their investments.
    It plays a very big part in the success of any portfolio. Mutual funds invest in a broad range of securities. This limits investment risk by reducing the effect of a possible decline in the value of any one security. Mutual fund unit-holders can benefit from diversification techniques usually available only to investors wealthy enough to buy significant positions in a wide variety of securities.
    Compared to direct investment in the share market, making investments through mutual funds is a less expensive affair that helps minimize an investor’s overall cost of investment. Through mutual funds, the economy of scale tips in the investor’s favour as he will enjoy special benefits in terms of brokerage, custodial fees, etc.
    You can en-cash your money from a mutual fund on immediate basis when compared with other forms of savings like the Public Provident Fund or National Savings Scheme. You can withdraw or redeem money at the Net Asset Value related prices in the open-end schemes. In closed-end schemes, lock in period is mentioned, investor cannot redeem his investment until that period.
    There is no shortage of variety when investing in mutual funds. There are funds that focus on blue-chip stocks, technology stocks, bonds or a mix of stocks and bonds and with due assistance from a financial expert, the investor can choose a scheme that aptly fits his requirements, and helps him achieve maximum profitability.
    Registration of Mutual Funds with SEBI is mandatory. With investor interest at the helm, SEBI has laid down strict regulations to safeguard investors against possible frauds, and every company issuing or dealing in Mutual Funds must abide by them.
    The return potential of medium to long term Mutual Funds multiplies manifold, resulting in greater profitability for investors in the long-term.
    Mutual Funds are the most transparent form of investment. Investors will receive detailed information and timely updates about the nature of investments made, fund manager’s investment strategy behind the investments, the exact amount invested in each type of security, etc.
    Mutual Funds facilitate easy and disciplined investment as well as ensure easy withdrawal of funds as per investor’s convenience.
    There are different types of Mutual Funds across varied sectors, and with due assistance from a financial expert, the investor can choose a scheme that aptly fits his requirements, and helps him achieve maximum profitability.

    Types of Risk

    Market risk

    At times, the prices or yields of all the securities in a particular market rise or fall due to broad outside influences. When this happens, the stock prices of both an outstanding, highly profitable company and a fledgling corporation may be affected. This change in price is due to market risk.

    Inflation risk

    Sometimes, it is referred to as loss of purchasing power. Whenever the rate of inflation exceeds the earnings on your investment, you run the risk that you’ll actually be able to buy less, not more.

    Credit risk

    It shows how stable is the company or entity to which you lend your money when you invest? How certain are you that it will be able to pay the interest you are promised, or repay your principal when the investment matures?

    Interest rate risk

    Changing interest rates affect both equities and bonds in many ways. Bond prices are influenced by movements in the interest rates in the financial system. Interest rate movements in the Indian debt markets can be volatile leading to the possibility of large price movements up or down in debt and money market securities and thereby to possibly large movements in the NAV.

    Investment risks

    In the sectorial fund schemes, investments will be predominantly in equities of selected companies in the particular sectors. Accordingly, the NAV of the schemes are linked to the equity performance of such companies and may be more volatile than a more diversified portfolio of equities

    Liquidity risk

    Thinly traded securities carry the danger of not being easily saleable at or near their real values. The fund manager may therefore be unable to quickly sell an illiquid bond and this might affect the price of the fund unfavorably. Liquidity risk is a characteristic of the Indian fixed income market.

    Changes in the government policy

    Changes in Government policy especially in regard to the tax benefits may impact the business prospects of the companies leading to an impact on the investments made by the fund.