Services

Nivesh Neeti provides you with Comprehensive Financial Planning services that analyses your financial health thoroughly and helps you plan your investments to meet your medium term and long-term goals. As part of this comprehensive financial planning, we also provide recommendations on your current portfolio, restructuring of current loans and advice on tax optimization.

Who is this suitable for?

• Families looking to develop a holistic picture of their current financial well being and evolve a roadmap for the future

• Families looking to secure future financial needs like children's education, children's marriage and family heads retirement

• Families looking to rebalance their existing portfolios

• Families looking to invest in new opportunities in the market

Our Retirement Planning service helps you plan for your retirement well in advance, so that you can relax without any worries. The service also helps you plan your estate, so that your family is always secure.

At Nivesh Neeti, we factor in critical factors such as inflation and risk mitigation for effective retirement planning while estimating the corpus and revisiting the requirements as the context changes closer to retirement.

We use the “Goal-driven investing” approach to suggest different investment portfolios for meeting different goals of the client. Different goals could be higher education of children, annual international holidays or retirement itself. These goals will fall in the spectrum between money that Clients NEED and money that they WANT. There will be one distinct portfolio of assets for each goal of the Client - the mix of each of these portfolios will depend on where exactly the goal falls in the above spectrum.

Who is this suitable for?

• Individuals, 10-15 years prior to their retirement who wish to estimate a retirement corpus with clarity and to hand over the responsibility of building it

• Retired individuals looking to use existing retirement corpus to generate income on a sustainable basis

• Families looking to create well defined asset pools for their childrens education, wedding and other future needs

• Families looking to create asset pools aimed at any other long term goal

Why The Need For Insurance Planning?

"Insurance is not for the person who passes away, it is for those who survive," goes a popular saying that explains the importance of 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. Proper Insurance Planning can help you look at the possibility of getting a wider coverage for the same amount of premium or the same level of coverage for the same amount amount of premium or the same level of coverage for a reduced premium. Hence, the need for proper insurance planning.

Insurance, simply put, is the cover for the risks that we run during our lives. Insurance enables us to live our lives to the fullest, without worrying about the financial impact of events that could hamper it. In other words, insurance protects us from the contingencies that could affect us.

So what are the risks that we run? To name a few - the risk on our lives that is, the worries of replacement of the incomes that we contribute to the running of the household), the risks of medical contingencies (since they have the capability of depleting our wealth considerably) and risks to assets (since the replacement of these can have tremendous financial implications). If we can imagine a situation where our goals are disturbed by acts beyond our control, we can realize the relevance of insurance in our lives.

Insurance Planning takes into account the risks that surround you and then provides an adequate coverage against those risks. There is no risk not worth insuring yourself against, and insurance should first and foremost be looked as a measure to guard against risks - the risk of your dreams going awry due to events beyond your control.

What is tax planning and what you could gain from it?

A good citizen should always pay tax. But he should not end up paying unnecessary tax. A smart citizen is one who pays tax but also makes maximum use of provisions available in Tax Laws to minimize it.

Some common questions that come to mind:

• Am I making optimum use of my 80C and 80D tax benefits?

• What are the changes in tax laws that may affect my taxes, investments and savings.

• What is the effect of Long-term capital gains and short-term capital gains on my investments?

• Just the year-end Tax Saving or Strategic Tax Planning. What is more beneficial?

• Which is more beneficial for me - ELSS or PPF or both?

• This can be achieved through scientific Tax planning.

Tax Planning involves measures within the current legislation dealing with the choice of time, location and activities, with creation and support of the most effective schemes and contractual relationships to increase the cash flows due to minimization of tax payments.

Through proper tax planning, you will not only lower amounts of tax payments with respect to basic taxes, but youll also create a wealth stream for achieving long term goals.

Nivesh Neeti provides you All kind of Loan. The client well get the best advice on lone requirements. We can provide loans on the client requirement and also give consultancy on the restructuring on the loans.

We Provides Loan

• Home Loan

• Personal Loan

• Business Loan

• Education Loan

• Car Loan

• Mortgage Loan

• Other loans