Investment Planning

Investment Planning involves identifying your financial goals throughout your life, and prioritizing them. Investment Planning includes buying a house, car, planning a vacation every year, etc.  For example, if you want to invest for funding your vacation next year, don't choose an investment vehicle that has a three-year lock-in, instead, choose an option that matches your investment horizon. At Net Brokers, our experts do a thorough analysis of your financial goals and ensure the chosen investment products are aligned with the tenor required to achieve the desired goals.

In most cases, the right investment is a balance of three things:

  • Liquidity
  • Safety and
  • Return.

We help you to decide upon the right investment strategy. Besides your individual requirement, your investment strategy would also depend upon your age, personal circumstances and your risk appetite. These aspects are typically taken care of during investment planning. We further help you to strike a balance between risk and returns. By prudent planning, it is possible to arrive at an optimal mix of risk and returns, which suits your particular needs and requirements.

Children Future Planning

Bringing-up child as a successful and responsible individual is a dream of every parent. Almost every parent sacrifices his or her own desires and wishes to make their child’s future secure. Many parents also face lot of hardships to save money and fulfil their child’s dream. Parents even stop caring about themselves when it comes to the career and future of their child.

Two needs which need maximum attention and planning from parents (especially modern day parents) are higher education and marriage.

At Net Brokers, our experts spend adequate time in understanding the dreams and aspirations you have for your child. Based on this, we suggest an investment plan along with the tenor required to achieve your desired goal.

Retirement Planning:

Very often, people postpone planning for retirement till they are very close to it. But that can leave them severely under-prepared. 

The cost of delaying

"I am too young to bother about retirement."

The sooner you begin setting aside money for your retirement investments, the better off you'll be. The longer you wait, the more sacrifices you'll have to make to catch up. That's because of the power of compounding—your investments earn income, and that income earns income, and that income further earns income.
We at Net Brokers help you to adopt an investment approach in life so that you & your family have a secured future.

Insurance Planning:

Insurance Planning is concerned with ensuring adequate coverage against insurable risks. Calculating the right level of risk cover is a specialized activity, requiring considerable expertise.

Depending upon person to person Insurance needs differ too. It depends on your age, profile, requirements, level of risks, your income etc. Insurance planning takes into account all the factors before chalking out a customized plan and gives you the most suitable option.

Coverage areas to review include:

  • Health
  • Disability
  • Life.
  • Auto/Home.
An individual earns throughout his life until he retires. During different stages of life, his insurance needs are different. It is important for the bread earner of the family to have adequate insurance as he moves forward in his life so as to ensure a comfortable living to the family in case something happens to him.Post Retirement, insurance act as a big support to fill up the gap between needs and accumulated funds.

At Net Brokers, our experts analyze your age ,responsibilities, requirements, needs, risk, etc and accordingly prepare an insurance plan which takes into account all the factors and provides full protection to the family against any unforeseen risk.

Insurance planning helps an individual to lead a stress free life keeping him sure about his life and assets.

Benefits of Insurance Planning

  • Provides financial security of life and assets:-

  • Well planned insurances provide an individual with the financial security that is required. This keeps him tension free during his course of life and even after he is gone.

  • Many life insurance schemes are designed to minimise the tax incidence and maximise the returns.

Tax Planning

Proper tax planning is the basic duty every person should carry out religiously. We help you compare the advantages of several tax saving schemes and depending upon your age, social liabilities, tax slabs and personal preferences, decide upon a right mix of investments, which shall reduce your tax liability to zero or the minimum possible.

Tax Planning Schemes under different Sections are:

  • Deduction under Sec 80C:
    Life Insurance Premiums, Employees Provident Fund/GPF, Public Provident Fund, National Savings Certificate, Repayment of Housing Loan, Equity Linked Saving Scheme of Mutual Funds, Tuition Fees including admission fees of college fees, Infrastructure Bonds, Bank Fixed Deposits having 5 Year Lock-in

  • Deduction under Sec 80D:
    Under this section, deduction of up to Rs 40,000 can be claimed in respect of premium paid by cheque towards health insurance policy. Such premium can be paid towards health insurance of spouse, dependent parents as well as dependent children

  • Deduction under Sec 80CCG:
  • In the last union budget 2012-13, a new section 80 CCG – has been introduced in the IT Act for extension of income tax benefits under the Rajiv Gandhi Equity Saving Scheme (RGESS). The scheme offers tax benefits over and above tax benefit offered under section 80 C of the IT Act which is available for saving/investment upto Rs. 1 lakh. The Investment has to be made in eligible Equity Shares and/or Equity Mutual Funds. By investing Rs. 50000/- in this scheme, there will be Tax Rebate of 50% i.e RS. 25000/-

  • Deduction under Sec (24)B:
    Under this section, interest on borrowed capital for the purpose of house purchase or construction is deductible from taxable income up to Rs. 1,50,000 with some conditions to be fulfilled.