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Updated by Finway Blogs on Oct 16, 2018
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Investment Advisor in Delhi

For a huge and diverse country like India, ensuring financial access to fuel growth and entrepreneurship is essential. The rise of such specialized players and systems will definitely change the way of banking in the country. This will pave a strategic path ensuring sustainable growth for NBFCs over a long term.

Investment Advisors

For a huge and diverse country like India, ensuring financial access to fuel growth and entrepreneurship is essential. The rise of such specialized players and systems will definitely change the way of banking in the country. This will pave a strategic path ensuring sustainable growth for NBFCs over a long term. Further, as more and more consumers are taking the digital mode of transacting and trading, and availing emergency cash immediately, the digital wave could potentially open up new avenues for growth.

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Always consult with a SEBI registered investment advisor if you are planning for loan against securities

Always consult with a SEBI registered investment advisor if you are planning for loan against securities

A loan against shares helps one in borrowing finds against the listed securities like mutual funds, insurance, bonds, and shares. These are the favorite options of the experienced and professional investment advisors in India. As equity markets of the country are booming nowadays, people can easily raise funds against securities during the time of emergency, that’s why loan against securities is also a type of secured loan like the loans against property, gold, securities, etc. Being highly liquid in nature, these shares can facilitate the sanction of the loans at a very low rate of interest so at the time of emergency people can meet their financial needs without unnecessary delays, and they can utilize the loan amount as per their wish.

If you are living in Delhi and looking for instant cash loan against securities, then before making any decision, always consult with a SEBI registered investment advisor for a better insight. Usually, loan against securities doesn’t require any guarantor, but validation of the security papers and borrower’s identity authentication is a must. In case of loan against securities banks and NBFCs provide instant loan services to their customers, whereas loan against property is a relatively more time-consuming process. But, for instant cash loan in Delhi and other metropolitan cities, one can avail these loans rather quickly with the guidance of a SEBI registered investment advisor, who also helps investors through quick online loans.

The biggest advantage of loan against securities is maintaining the ownership of securities that help the borrower to continue gaining the benefits of his/her investments. The loan amount depends on the valuation and liquidity of the stocks in one’s portfolio, his/her credit history, and margin decided by the lender. That’s why the help of a SEBI registered investment advisor is almost mandatory here because only an experienced financial advisor can make you aware of the present and forecasted market tenders and the best loan options against the securities.
One can expect 50 percent to 70 percent of the total value of the stock portfolio pledged with the lender. But, in case of government securities the loan value may exceed up to 80 percent of the stock portfolio pledged. Another benefit associated with a loan against securities is that the interest levies only on the amount that borrower withdraws from his/her account over a period of time. Whereas, one can still receive a premium over the stocks in the form of bonuses, dividends, etc. All these features make a loan against securities a risk-free option to secure money during financial emergencies.

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Learn Systematic Investment Planning from a SEBI Registered Investment Advisor

Learn Systematic Investment Planning from a SEBI Registered Investment Advisor

Systematic investment plan, which is popularly known as SIP allows a user to build an investment portfolio with a small systematic investment at regular intervals. The investor can choose his or her preferred mode of investment as monthly, quarterly or annually after taking advice from a SEBI registered investment advisor. Users of systematic investment plans can choose from various investment options to invest their money including stocks, mutual funds, ETFs and even gold funds.

The one basic rules of investing is to always maintain a focused and dedicated approach towards investment and follow the advice or guidance of a SEBI registered investment advisor. Investing in a systematic investment plan allows users to maintain a monthly investment scheme which is far easier to maintain in the long run rather than investing a lump sum amount each year. Investing in systematic investment plans must be considered by all investors who are yet to attain an investment discipline allowing them the convenience to invest a pre determined short sum every month towards their future.

To start using SIP is not going to be difficult for any investor. All they have to do is sign up for any one of the mutual funds schemes that we make available to them and the SIP shall be put in place for them automatically.

Signing up for mutual funds schemes can be done online in a matter of just a few minutes. The average time for applications for mutual funds to get processed is about two to three weeks after which investors can start accessing their mutual funds accounts online on a daily or weekly basis depending on their convenience.

*SIP Ideal for Investors not eager to make Lump Sum Payments
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• The SIP is ideal for people who are not looking to make lump sum payments for their mutual fund investments.
• The minimum amount that is usually required to be paid initially for any mutual funds scheme is around 5000 INR.
• Those who opt for a systematic investment plan can bring this down to 500 INR per month or per week.
• As a result the systematic investment plan is one that suits mutual funds investors of every budget.
• This is an investment plan that can even be opted for by mutual funds investors who do not have a regular source of income.

The foremost point to remember here is that whatever be your financial need be it related to instant cash loans online or you are looking to enhance your money through SIP; you must always consult with a SEBI registered investment advisor prior to making any decision.

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Inflation proof investment is the need of the hour by Finway Capital

Every buck saved can be a savior to adequately manage the risks and emergencies lying ahead in the future scenes, but only when they get invested in a right option. But, all thanks to inflation, the value of bucks saved over time could be much less than what is being earned. The corrosive effect of inflation is not just digging a hole in the people's pockets but is also increasing the overall cost of investments, thus, making investments a herculean task to achieve. While it might bring good news for borrowers by lowering down their value of debts, inflation can be damaging to the investors and pensioners, chipping away their value of future interests and dividends, thereby eroding the value of accumulated capital.

In June 2018, the inflation rate rose up to 5 per cent from 4.87 per cent recorded in May 2018.It is considered as the highest rate of inflation this year which stands above the central-bank medium target. However, the market experts expected this rise of at least 5.3%. For instance, Rs. 100 earned but not invested will be worth Rs 95 only as the ongoing inflation rate is 5%. The constant rise in prices coupled with lackluster earning growths has tightened the customer’s belts like never before and they have become more reluctant with the idea to save and invest in financial markets. That’s why the financial experts suggest individuals stay on the lookout for investments whose real return rate is more than the prevailing inflation rate. Here are investment advisory services to safeguard the investments from the prevailing inflation storm:

• Target Equities/Equity Mutual Funds:
Long-term equities are one of the best options to beat the inflation storm with ease. One can either invest directly invest in equities or can go through mutual funds, but the latter is preferred most to be adopted as it gets managed by the experts. It’s also advised that investors opt for diversified equity mutual fund schemes in order to reap higher risk-adjusted returns. However, equity investments should have a horizon of at least three years and at times even longer than that. Another great option for lowering down the inflation’s impact is by investing via systematic investment plans or SIPs. It is the compounding impact of SIPs over longer periods that easily tame down the inflation scales by a comfortable margin.

• Invest in Dividend-Paying Stocks:
While inflation can get on investor’s nerves severely, buying stocks which pay good dividends may calm him down. In the words of financial experts, “dividends” are the returns paid by the companies to all of its stakeholders either in form of cash or additional stock shares. Investing in these dividend-paying stocks is a smart choice when the clouds of inflation are just above our heads because these come with profitable interest rates. Whether dividends are profitable or not can simply be measured by calculating dividend yields. Dividend yields can be calculated by adding dividends (the amount to be paid by the companies) to be received throughout the year and dividing it by the stock price. If the value of the dividend yield is higher than the annual inflation rate, the dividend is good to invest in. Not to forget, the real return or return net of inflation should carefully be calculated and examined before making investments.

• Reap the benefits from Inflation-Indexed Bonds:
Inflation-indexed bonds (IIB) are one of the great and reliable ways to beat the heat of inflation as one can save big on both principal and interest rates. IIB gives the constant returns on the investments unaffected by inflation in the economy. Unlike fixed deposits which also offer fixed interest rate for a given period of time, IIB saves the investors from all macroeconomic risks involved in the times of inflation. Whenever capital increases with inflation, the interest as well as principal gets better than what is originally promised. No doubt, IIBs are actually protection against inflation for the investor as he generates higher interest with every rise of an inch in inflation level.

• Real Assets like Gold and Property:
The Real assets such as gold and property can also be used as real protection against inflation. Investors can invest in gold either funds investing in the share of gold mining companies and the property deriving profits from liquidity the real estate equities offer. Also, investing in alternative assets such as infrastructure, student accommodation, and special property is a good option for a stable and regular income with inflation linkage. These assets are based on long-term contracts with rental income whose value rises with the rise in inflation. Therefore, these offer viable inflation protection to the investor.

Equity Mutual Funds, Dividend-paying stocks, Real and Alternative assets provide some of the good choices for seeking hedge while making investments during inflation. According to the market experts, gold and real estate have gained up the popularity when it comes to investments during inflation, but are ideal only for small parts of your portfolio. Spending big sum on these should be avoided, if possible. Also, asset allocation is important, too. The performance of asset categories significantly differs from when the inflation rate is increasing and when decreasing. Therefore, the rate of inflation gives a shape to investors’ portfolio. Investors should focus on devising strategies like mortgage loan against property that reduces the risk to make portfolio stable and least affected by inflation.

A decent inflation is a good sign of a growing economy. If a nation experiences no inflation at all, it means the economy is weak. But, it becomes an alert when inflation begins increasing much quicker than the income. If the inflation keeps on rising high, it would be tough for people to survive as the cost of living reaches sky-high. The investors and stakeholders should try to foresee the long-term impact that inflation is likely to have on their money. Money should be invested in a fund which pays a higher interest than the rate of inflation to hold the purchasing power of savings tight.

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10 rules for small investors to invest wisely

“An investor should act as though he had a lifetime decision card with just twenty punches on it.” -Warren Buffett

It takes hours of hard work, patience,and dedication to earn a good sum of money but even a slight of investment mistake can crumble down all these finances. So, it is better to take on every investment as a decision that can make or break all the lifetime finances. Instead of stashing away saved money in drawers it’s better to sock away money in healthy investment plans that bring results worthy of the future plans. Here are top 10 tips to achieve the best of investment gains without much risks and pains.

  1. Adequate planning reaps out healthy investment benefits
    When one is checking out the options to invest the money in, they should first gain clarity with what they are investing for. Be it the instant personal loan needs, or to meet the future expenses once clear with the investment objectives, one can better make choice amongst other crucial factors like that of target return, time horizon and risk-appetite. Considering all the factors, it is the asset class that best suits the aims and objectives of small investors.

  2. Understand clearly to invest wisely
    Investment doesn’t occur in a click; instead, it is a part of a strategically planned and disciplined approach. No matter how big or small amount one is pitching in their investment plans, to gain good returns the prime need is to gain a clear understanding of the plan in which they are investing in. Always do good research and stick to only those plans that deliver clear understanding matching the mindset and intellectual level of you as an investor.

  3. Don’t pitch all the funds in one plan
    Diversification is the success mantra of all investment strategies. If one has funds, one shouldn’t just flush out all of them in a single plan instead they need to study out all diverse sectors available with them and then invest in some percentage of their funds in the varied options available as per their choice. A diversified portfolio cuts down the risks of complete loss and ensures some of the other things trickling into your savings pot always.

  4. Stay away from the market hype
    In the trading market, more than the truth it is the hype that circulates and traps for most of the novice investors in its vicious circle. Instead of trusting and falling dangerously, it’s better for the investors to do their research and always stay alert to the mishap and market chaos. Even the seasoned investment market experts suggest that to get the best of long-term returns, and investors need to sell what all are talking about and try that has lastly being ignored but holds in the valuation that is right and growing along with meeting the quality checks and risks adequately.

  5. Timing the markets is a myth, don't try it
    The stock market has an erratic nature, and one can’t adequately predict its timings. Some might adequately have right predictions, once or twice but not always. A majority of investors do its extreme opposite and have a misconception that they can time the market ups and downs timely and adequately, thus losing their hard-earned money in the process. Timing the markets is a myth, and nobody has ever done that so being an investor avoids doing such mistakes as instead of making more money it forces the people to lose out more money.

  6. Be disciplined with your investment approach
    Irregularity is part of everyone’s life, but it is the discipline and stringent dedication that tackle the life smoothly. The volatility in the investment markets has even resulted in a great slowdown of investors despite having the great run scores. However, those working with the systematic approach of pitching in money held the investments right and earned judicious returns with time. Hence, it is prudent to have patience and follow a disciplined investment approach besides keeping the long-term scenario in mind.

  7. Don’t let emotions overshadow the judgments
    The trade market is the place with the least scope for emotions, especially of fear and greed. There have been many instances where quite a lot of investors faced hefty losses only due to their inability to control these emotions. True is the fact that the lure of making quick money can’t be resisted at a time when one starts hearing fabulous stories of investors; making it big in a short span of time. This opens up the space for speculations which further pushes the investors in buying unknown shares without thinking twice and falling out badly the moment the market changes its mood. So, it’s advised to not to make a go in speculations and instead do research work to earn some healthy investment returns.

  8. Get realistic while expecting
    Hoping for the best from investments isn’t wrong, but what’s wrong is expectations held high based on unrealistic assumptions. Several stock market studies reveal that earning more than 12 percent return is an alarming reminder that there are losses lined up that would be much heftier than what the investors have earned. Therefore, while stepping into the investment market, one shouldn’t expect the same kind of returns always.

  9. Invest only the surplus
    When starting with the investments, one should flush out the surplus with the necessity backup kept safe and steady. It is not necessary that if you aren’t losing it now, you won’t be losing it in the future too. Hence, its advised to pitch in the surplus so that even if the investments go wrong, one has a backup to keep their life steady and moving otherwise, bankruptcy also comes knocking at the worst of situations. Instead of losses, profits can occur too, so take risks but with care.

  10. Monitoring is the key to leading
    With boundaries around the nations opening up and all marketers coming together to form a global village, any important event that takes place in any part of the world heavily affects the financial markets of every nation. Hence, it’s important to stay updated with all sorts of global events and constantly monitor the portfolio and keep inculcating the desired changes in it. If one isn’t sound with the skills required to review the portfolio, then it’s better to hire a good financial advisory in India or take investment advisory services instead of waiting and repenting later on.

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Outlook of a SEBI Registered Investment Advisor

It isn’t possible for a company with such high reputation in the market getting stuck with the crisis and not coming under the lens of credit rating agencies of India. Infrastructure lending giant IL&FS isn’t a novice player in the Indian financial sector, but a well-recognized name on which a considerable amount of investors and debtors of the financial markets rely on. In such a case not keeping a check on its functioning, providing unsecured business loan, and giving a miss to the continuous blunders they were making is suspicious and raises questions on the authenticity of the system.

According to Rachit Chawla, a reputed financial advisor in Delhi, “For a company like IL&FS, a debt of 91 thousand crores is something quite serious and something which has to be checked and rectified at the earliest. But, with no check and rectification measures in hand, the situation started going out of control up to a level that in the month of July, it was found on step-down stage and by August the defaults had started appearing. This clearly indicates that the Audit Team, the Chairman and the Founder could clearly see the crisis coming, but instead stood mum keeping their other team members. Consequently, the entire market is in the dark. Someone should have spoken up, at least have questioned the Chairman’s accountability or subsequent steps should have taken in advance.”
Also, if the statistics and balance sheets of the company in the last three years are closely checked, then it’s clearly visible that their debt burden has jumped 44% which is excessively huge. Now if they are taking emergency loan such aggressively and still getting good credit ratings, then such problems are sure to arrive without any doubts. The situation wouldn’t have been this worse if accessibility to their debts had been stopped in the year 2015 only.

At that time, they kept on getting money, and they kept on making bad decisions. Besides, they have a lot of debt which they took in the short term whereas the repayment which the state-owned companies have to pay back to them is in the long run. This decision is a complete disaster; if they were taking immediate loan for short-term they should have lent it for short-term basis only, and if they have borrowed for long-term then the lending should also be on a long-term basis. It is out-and-out the repercussion of wrong policies due to which IL&FS got defaulted seven times in 15 days, and it is facing a liquidity crunch.

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Artificial Intelligence for Online Financial Advisory Services

Artificial Intelligence (AI) is turned out to be a game changer when it comes to managing assets and investments in the stock market. The companies, across the globe, are relying on the large data sets obtained through AI after a complete quantitative analysis of social media engagement, corporate observations, credit or debit card data and other data types which make troubles for human research analysts to infer the data and map out the patterns is the latest consulting tool of today’s financial advisors.

*AI-based online financial advisory services
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The impact of artificial intelligence can easily be observed by AI Powered Equity ETF, which is proven as the most successful new fund of the year. Basically, Artificial intelligence is a man-made technology devised to imitate the human ability to learn, analyze and predict.
AI uses computer algorithms to replicate the human ability to learn and make market/investment predictions. Unlike human, AI-based or machine-learning software can detect patterns to make logical and correct inferences from a large amount quickly in a day.

However, computing technology and algorithm is being actively used by financial consultants who provide online advisory to make investment decisions such as a purchase or selling of stocks on the basis of trading patterns and market opportunities over the years. It works much like a human and makes decisions only after vigilantly analyzing all the factors and fundamentals.

Much like quant, beta-strategies are designed to surpass an index or its holdings as none of them is chosen by human individuals and are not, at all, weighted by market value. While the portfolios are developed through tech-advanced computing capabilities, the holdings are truly decided by financial advisors on the rules that may shift the portfolio to value or momentum like strategies.

The research studies have attested the fact that the success rate is inversely proportional to the fund costs; the lower funds’ cost is, the greater chances of winning the competition are. Where traditionally managed stock funds are charged at minimum 1% of assets per year, a market index fund can be purchased at less than 0.03% of assets a year.

The gradual shift from human asset managers to AI technologies is leading business organizations the way up to Wall Street. Last year in April, world’s largest asset manager BlackRock Inc. publicly announced that it would emphasize more on computer models and technology than human managers, which would lower fees for actively managed equity funds.

Attention to details
This human replacement by artificial intelligence was predicted a long back when analysts began noticing sort of value and importance in artificial intelligence. The better recognition of underlying patterns, instantly computing large data sets and making meaningful predictions and decision on the market trends gave many a hint that AI may surpass human intelligence. However, there are many challenges to discourage complete reliance on AI. First of all, technology cannot beat human experience and gut feelings. The chief executive officer of Buzz Indexes, Jamie Wise, pointed out that due to varying range and implications of AI models the suggestion/outcome by machine can be interpreted differently from individual to individual. It majorly depends on what sort of data one is willing to consider, what the sources of data are, for what purpose the data has to be analyzed and so on. For instance, both AI models and quant groups analyze data in different ways which would mean the same raw data is telling different stories and tailoring different results.

Conclusion
Well, this is just a beginning of robot or AI revolution in the stock and funds industry. Here, the interesting question is whether AI technology can successfully imitate the natural instincts and cognition of human stock pickers and managers. But, this is certain that AI would lower stock picking costs, which would further reduce the cost of funds management.

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Future of alternative lending and online loans

In essence alternative lending refers to the money lending industry outside the traditional banking setup. This industry has seen a steep surge especially after the great recession of 2008. Due to the emergence of newer technologies, data analysis platforms and special algorithms, a good number of companies entered into this market. Alternative lending has come as a breather both for personal finances and small business funding needs.

Since the financial crisis hit the markets, many small business owners have been turning to online lenders for their financial needs instead of local banks. Online lending or instant cash loan service which is more commonly referred to as the FinTech industry has gained momentum due to its efficiency, convenience and pace. There is no signing of a vast amount of papers, no trouble in convincing the bank managers and no long waits for securing the payments. FinTech is a fast and an easy method of securing finances where you go to a particular vendor website or app, fill in your details and get an approval or disapproval generally within a few hours of submitting your request.

Another great value of this alternating credit system for instant cash loan is that even new entrepreneurs can secure loans much faster. While at banks there might be a selective bias where the banks show more trust in lending money to established businesses, an approval or denial is based more on your credit history and track record than anything else.

People in need cannot wait for too long to secure short term personal loans/instant cash loan that they need. They are increasingly using the alternative credit space as it is fast and efficient. As big data technologies becoming more complex and advanced with every passing day, the space for online lending is getting stronger and stronger. Now companies can now analyse everything about their consumers.

Although the alternative lenders are costly, they have discovered a profitable niche that bankers are not catering to due to the risks involved. Alternative lenders are creative and out of the box thinkers and with the operational size being small, they can tailor-make proposals for specific needs. Data suggests that these companies usually cater to financing needs from 10,000 to 10,000,000. Some lending companies may also link up two parties that will financially benefit both of them.

If this data driven approach is adopted, it will make ensure that the portfolios are made risk free or at least will reduce the risks involved. This is also definitely going to decrease the cost of capital which shall in turn enable alternative lenders to work with traditional banks.

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How to become a financial advisor in India

As India is expected to grow rapidly only to become the country with third-largest economy until the end of next decade, wealth management firms may contribute at least 10% to its GDP by then. The expanding Indian wealth management industry is opening up many career opportunities for the young. The wealth management firms offer financial services to affluent individuals or the ones who are about to touch the boundary of the high-net-worth club. Basically, the financial advisors assist individuals, which generally are big entrepreneurs, executives, public figures, or lawyers, etc., in a risk-free financial market. The financial advisor guides them regarding tax planning, quick loan online, instant cash loan from banks or NBFCs, retirement planning or simply the estate planning on the basis of client's financial requirements.

Responsibilities of a Financial Advisor in India
The job of delivering the personalized financial services involves the responsibilities of both relationship manager and an investment professional. Like a client relationship manager, financial advisor must know the client and the nature of his business to clearly understand his/her financial needs. On the other hand, he should also examine the type of investment; probable risks and returns that client is vulnerable to. Thus, he has to manage the relationship with clients apart from educating them on various investment projects. They are also required to guide their clients on the way to business expansion and success.

With the steady expansion of NBFCs, there is also an increasing demand for the financial advisors. Their base packages bloom upto Rs 1 crore a year with additional commissions in the projects. Until now, investment banking has always been the mainstream career choice for the millennials. Such heavy salary packages and additional benefits in financial advisory are alluring them to make a career in it.

Job type in wealth management
The job profile involves the work of immense responsibility, honesty, and agility. Even the slightest of mistake is not accepted in the profession as it can cause a great loss to the hard-earned wealth of a person. There lies loads of pressure on the shoulders of financial advisors as they have to constantly stay in touch with the volatile finance industry trends and suggest the clients’ most profitable option without even landing them in trouble. Loads of paperwork or net surfing, in-depth study of company & finance laws along with meeting a variety of brokers, investors, loan seekers, etc., is a part of a financial advisor’s daily work. Both the work struggle and the salary package increases as the experience level of professional starts increasing.

Qualifications required
The educational qualifications for financial advisor job remain the same for that of investment banking. With a postgraduate degree in accounting, economics or an MBA degree, one can an advisor or consultant in the banking & finance industry. Apart from this, it is crucial for the candidate to be familiarized with business practices in investment and accounting. He must possess required set of both verbal and written communication skills. These can be grasped by the candidates while doing an internship with banks and firms offering financial services.

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How to take instant secured cash loan from an NBFC

A continuous flow of adequate funds in the pipeline is the prerequisite of making the business system functional in every aspect. Whether the firm is in its initial stage or has already been a long player in the industry, a project in its initial stages or in the developmental phase all these stages require ample financial backup to keep up with their growth momentum in the markets. And, with so many financial institutions, both banking and non-banking ones offering lucrative loan options. Borrowers are stuck in making a choice amongst the NBFCs and banks or either while selecting one amongst the secured and the unsecured loans.

The boundaries between the industries are blurring out and there’s a great storm of startups and small to medium-sized enterprises (SMEs) protruding up in the market with little to no credit scores. And as per the recent industry reports SMEs will need around $650 billion on yearly basis for sustained business operations and mainly for growth capital. In such a case, the traditional process of taking instant cash loans from the banking firms turns out to be a lengthy, tedious and confusing as the functional set can’t be determined easily. Hence, making the new-age businessmen avoid lending from the bank mode and go for NBFCs that offer instant or online secured loans with least of hassles and best of EMI options.

Secured loans are termed best for supporting the tremendous wave of startups that has hit the nation. And, the tailor-made quick online loans at lower interest rates offered by NBFCs, have brought most of the nation’s SMEs up close with their secured loans instead of that from the banking institutions. The secured cash loans by NBFCs are being provided at competitive rates much lower than the traditional banking firm’s EMIs. The availability of cheaper loan products has enabled the young entrepreneurial minds to believe in their skills and put on their strengths to test with the best of their efforts. On an overall, this has boosted up the economy with a significant job creation capacity of around 1.3 million jobs per year and hence, employing around 60 million people. Unlike banks, the NBFCs are spread all throughout the length and the breadth of the country and helping them out with their finances but it is the Tier-II and Tier-III countries that have been benefited the most.

In the present marketing scenario, all businesses including the SMEs have to build a strong technological as well as Customer Relationship Management backup to be existing as well as competitive in the market. This requires huge fund investments and generally ends up with great returns and NBFCs with their much-needed cushion of a longer tenure and reduced EMI can be easily serviced by the cash flows) in secured cash loans have well-utilized this factor to help SMEs.