FIXED DEPOSITS are the financial instruments that are facilitated by NBFC’s or Banks. Fixed deposits provide a higher stream of income till the maturity date than any other unbalanced savings account. Fixed deposits have a lock-up period, during which the money cannot be withdrawn till the maturity date. The tenure of FD’s can range from 7-45 days to as long as 10 years. These are considered as high interest yielding financial vehicles. Another benefit that lies with investing in fixed deposits is that- the investor can avail a loan up to 80-90% of the value of the fixed deposits with lower interest rates. (1-2% minimum).

The services of Wealthways are focused towards providing the client with best possible financial instrument matching the requirements and circumstances to invest.

BOND is a fixed income providing instrument. It represents a loan made by an investor to any institution (Corporate or Government). Under this arrangement, the principal amount is paid back at the time of maturity and interest is paid as devised in the terms and conditions. It can be either variable or fixed. Bonds are generally issued by corporates and governments to fund projects and operations.

Two features of a Bonds are-

CREDIT QUALITY depends on the credit rating of the borrower (i.e. the institution). If the credit rating is poor, the possibility of default is higher. There are several credit rating agencies like CRISIL, S&P’s, Moody’s, Fitch etc. that publish rating reports for various entities.

TIMING determines the interest rates in most cases. If the maturity date is long, the interest rate paid would be higher, since the lender is exposed to the much higher inflation and macro-level risks.

Alternative Investment funds refer to hedge funds, private equity, venture capital, derivatives, arts & antiques, managed futures etc. Any form of investment that does not fall under the category of traditional investing like stocks, bonds, mutual funds, etc. is termed as an alternative investment.

KEY FEATURES

• This form of investment is generally preferred by Institutions or High Net worth Clients.
• The nature of assets that fall under this category are mostly illiquid.
• These are not regulated by SEC.
• Alternative investments have high minimum investments.
• The fees structure is also complex.
• The transaction costs are lower than the traditional investments.

CATEGORIES OF ALTERNATE INVESTMENT FUNDS

AIFs are categorized under three classes

• Category 1 : Infrastructure funds, social funds
• Category 2 : Hedge funds
• Category 3 : Private equity funds, Debt funds

Managing Alternate investment funds require an expertise of over 5years in the field of portfolio building and trading in securities and other financial assets.

At Wealthways, Our professionals have over 17 years of experience in the field of managing financial assets and building portfolios.

Insurance is one of the most crucial parts of financial planning. It is challenging to take precautions all the time, and in the case of a mishap, people end up paying significant amounts from their saving pockets. Insurance has multiple benefits like -

• Insurance helps in Transferring risk. By paying a certain amount of premium, you get to transfer your risk to the insurance companies. This helps you in focusing on other essential things in life than some probable losses.

• Insurance protects your property from any potential damages. If you own an expensive piece of property, it is necessary to safeguard that from any losses.

• Insurance Protect your family against any future uncertainties. Having Life insurance helps you protect your family against any debts that you might leave behind or might even support them to survive.

• Out of pocket health expenses cost a lot. To cover these up, there are several types of
  Health insurance schemes that help in saving a substantial amount that goes out for healthrelated issues.