JRL Group provides a comprehensive financial plan and investment solution set. Based on the clients’ needs, a particular product is thoroughly reviewed to check its investment suitability, and then recommended to clients. JRL Group Wealth Management Services also provides periodical updates / recommendations to its clients on their Mutual Fund portfolio, which is achieved through active portfolio tracking.
- Distributors of Mutual Funds
- Distributors of Real Estate Funds and PE funds
- Real Estate Advisory
- Inter Corporate Deposits
- Alternate Assets Investment Solutions in Singapore
Distribution of Mutual Funds
We look at mutual funds as one of the most important product required for Wealth management as it covers 3 major asset class – Equity, Debt and Gold . We follow a very methodological approach in analyzing any MF product on risk – return perspective on various time scales.
How can we at J R Laddha Wealth Mgt help you in creating wealth through Mutual Fund
- Product Related Information
- How to select right product
- Strategies to employ
- List of Top Products selected on multidimensional analysis
Criteria of our Product Selection:
- In-depth study and analysis of trends and factors affecting asset classes and products.
- Capturing invaluable thoughts, views and analysis of leading experts and independent fund tracking companies.
- Only top rated funds are selected.
- Long term performance consistency to justify performance in all market cycles and stability in return.
- Lesser Volatile in return in shorter duration
- Better risk adjusted return so as to match products with different risk profiled clients
- Fund size and duration of existence
- Track record of fund manager and fund house for products like mutual funds, whereas for fixed deposits company’s financial soundness is taken in to consideration.
- Good rated Fixed Deposit and other debt products to add stability
Working of Mutual Funds
An investment vehicle that is made up of a pool of funds collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and similar assets. Mutual funds are operated by money managers, who invest the fund's capital and attempt to produce capital gains and income for the fund's investors. A mutual fund's portfolio is structured and maintained to match the investment objectives stated in its prospectus.
Fund managers are professionals who track the market on an ongoing basis. With their mix of professional qualification and market knowledge, they are better placed than the average investor to understand the markets.
Mutual fund investments are fairly liquid and hence can be redeemed at the current NAV on working day.
Diversification which ensures less risk:
Since a mutual fund is a trust that pools the savings of a number of investors sharing a common financial goal, the associated risks are greatly reduced. This is also because a fund will invest your money in different types of instruments like shares and bonds. Hence, a negative performance in one asset class could be balanced with other positive performances in other asset class.
When compared to direct investments in the capital market, mutual funds cost less. This is due to savings in brokerage costs; demat costs, depository costs and other such costs etc.
All that you invest in a scheme is made known to you and you are periodically informed about all the updates and changes taking place.
An investor is offered flexibility in their options and schemes to match individual needs. Also, with features like systematic investment plans, systematic transfer plans and regular withdrawal options you can withdraw or invest funds according to your convenience.
Choice of Schemes:
They offer a vast variety of well-designed schemes and options that you can choose from depending on your risk appetite.
There are various other advantages that mutual funds offer such as the tax advantage, indexation benefits, long term capital gains tax, tax free dividends and much more.
Classification of Mutual Fund
Short Term Corporate Loans
Small businesses most often need short-term loans instead of long term debt financing. Most term loans are classified as short-term, usually have a maturity of one year or less. Or one might need to use for raising working capital to cover temporary deficiencies in funds so you can meet payrolls and other expenses.
Over a period of time, JRL have built a very strong base of corporate client’s spread across the country and with its rich experience it helps the clients with the short term loans funding.
Financial Planning is the process of meeting your life goals through the proper management of your finances. Life goals can include buying a house, saving for your child's higher education or planning for retirement.
The Financial Planning Process consists of six steps that help you take a 'big picture' look at where you are currently. Using these six steps, you can work out where you are now, what you may need in the future and what you must do to reach your goals.
The process of financial plan
Gathering Client data.,including goals
Analysing and Evaluating the financial data
Developing and Presenting a financial plan
Implementing the financial plan
Periodic reviews and rebalancing of the financial plan
Alternative assets can bring significant benefits to investment portfolios through diversifying exposure away from traditional fixed income and equity assets. Moreover, alternative assets are no longer the exclusive province of the super-wealthy; In fact, the average retail investor can avail him- or herself of a wide range of alternative asset strategies through traditional vehicles, including mutual, exchange-traded funds (Etf’s) and exchange-traded notes (Etn’s).
Our suggested structured products are generally a pre-packaged investment strategy, which is based on derivatives, such as a single security, a basket of securities, indices, commodities, debt issuances etc. A majority of our structured offerings are principal protected which intend protection of principal if held to maturity.
Structured products are designed to facilitate highly customized risk-return objectives. This is accomplished by taking a traditional security, such as a conventional investment-grade bond, and replacing the usual payment features (e.g. periodic coupons and final principal) with non-traditional payoffs derived not from the issuer's own cash flow, but from the performance of one or more underlying assets.
Portfolio Management Services
The Company offers portfolio management services from various reputed financial institutions or fund houses. Only those PMS products are recommended that add value to investors’ portfolio and help increase the returns on their investments substantially depending upon the existing market scenario.
The objective is to create a portfolio that suits your requirements; therefore we will first seek to understand your needs and investment objectives, and on that basis offer a portfolio that best suits these needs and objectives.
Company Fixed Deposits
We mobilize Fixed Deposits for leading companies with strong corporate background. As such Fixed Deposits are in form of unsecured borrowings by companies that earn a fixed rate of return; our advice is based on detailed analysis and research on company. Deposits mobilized are governed by the Companies Act under Section 58A.
Our advisors track the Corporates with sound financials & strong background with a constant watch on the share prices movements, dividend history, annual reports and other company related news. We guide on selecting the industries/companies with the periodic updating on the availability, rates of interest & period for investment. We help customers decide whether to renew or reshuffle the deposit at the maturity.
Govt Bonds Sec 54 – EC / REC / NHAI
Fixed income products give a steady stream of income over time. We showcase products such as RBI Relief Bonds, 54EC bonds and other tax saving bonds especially among individuals looking at investing in very low risk bearing instruments.
We offer Capital Gains Bond under Section 54EC of the Income Tax Act, 1961. These bonds are being issued as 'Long term specified assets' within the meaning of Explanation (b) to sub-section (3) of Section 54-EC of the Income Tax Act, 1961. Those desirous of availing exemption from capital gains tax under Section 54 EC may invest in these bonds. Capital gains arising from transfer of Long-term capital assets can be invested in these bonds within a period of six months from the date of transfer of the asset for getting exemption from the capital gains tax. Such Bonds are issued by SIDBI, NHB, NHAI and REC.