9500438549 Phone
skatzsaravana@gmail.com Email

About Us

Mission: “ Plan today, the better off “

 

We are committed to provide better plan today and create a better off tomorrow. Our Ultimate goal is to help the investors to make better informed decisions in Financial Markets and make their Financial Goals as realistic. We concentrate on Goal Based Financial Planning and help them to choosing the Right Products in Personal Finance.

We had more than 8 Years of experience in the sector based on Personal Finance. We had taken about 1500 samples in the middle class income and working with that acknowledgement.

Founder:

SARAVANAKUMAR NAGARAJ (Bachelors in Computers, Masters in Management)

In his earlier career, he was working in the IT Industry for Different Segment (DHL Logistics, Accel Frontline – now Inspirisys, Apex Technology) and then moved to the Central Govt. Job - Ministry of Railways, Working as a Station Master , Traffic Inspector – FOIS. He resigned his full time job in late 2018 and became an Entrepreneur.

He has over 15 years of experience in Budget Planning for the Middle Income Family and it leads to Passion in the Personal Finance. He had taken nearly 1500 Samples about the Budget Planning so far, he is making a change for the better in the middle class income.

He is a Value Investor and had a Long term Relationship with the Indian Equity Market, currently works with Budget Planning, Financial Goal Planning, Retirement Plan. He simply doesn’t like to sell the stocks and Mutual funds to his clients. He is interested in teaching his clients about the need of Money Education and the importance of Investing. On that he recommends the Financial instruments based on the Welfare of the Customers.

He believes that to create wealth by only the route of Proper Financial Education and a Caring Financial Coach. He will also help you to reach the Financial goals you had and assist you to choose the right Financial products in the Market.

(Not Registered as a (SEBI) Investment Adviser or Research Analyst - But had Registered with AMFI-SEBI Mutual Fund Distribution and with Share Broking Services)

 

Prabha Saravana Kumar (Co-Founder)

She is the Co-Founder of this Company and qualified by Mathematics in Graduate and Teaching Profession.

Although interested in Caring her two kids, she is also keen on Exploring the budget of middle class families. She oversees Accounting and Administration in this company. She also provides advice on financial responsibiliities for Women who are at home. She inspires on becoming Women Entrepreneurship.

At present, She is dealing with Small Savings Scheme and Insurance Products.

 

Products

Everything is not for everyone “ – Mis-Sold

 

  • E-book on Personal Finance for Middle Class mindsets. (Regional Version – Tamil)

  • Stock Market – Fundamental Analysis (Regional Version – Tamil)

  • Stock Market & Mutual Funds – Basics (Currently working for English Version)

 

Services:

“ We help you to choose the Right Financial Products “

  • Budget Planning & Goal Creation

  • Risk Profiling

  • Mutual Funds

  • Share Broking

  • Life Insurance – Term Plan & Health Insurance

  • Children Education Savings

  • Retirement Planning & Wealth Creation

  • Tax Planning

  • Vacation Planning

  • Early Retirement Plan – Job Escape & Start Business

  • Will / Nomination Writing

 

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Features

Family Account

Access your family member's Portfolio
with one single login

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Transact Online

Invest Online in Lumpsum or SIP
in mutual fund schemes.

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Save Tax

Check out Tax Savings
and Invest into ELSS Funds

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Reports

View your current market value,
your profits & losses.

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Calculators

Calculate the amount of wealth
required for your goal

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Factsheet

Explore Mutual Fund schemes
and their performance

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Focused Funds

Check out our recommended funds
and invest into them

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Market Views

Get monthly market outlook
from the experts

E-Locker

Upload and save
your important documents.

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Mobile App

Manage your wealth & track your family’s portfolio with one single login. You can easily and quickly invest in Mutual Funds from the app. Explore funds, view their performance and invest. Start an SIP or invest Lumpsum. Check out our recommendation of funds under Focused Funds. Whether you made profits or loss, check out from the reports. Simply Login and setup a 4 digit PIN for subsequent login so that you don’t need to enter your Username & Password every time. Download Now!

Mutual Funds

A mutual fund is a professionally managed investment fund that pools money from many investors to purchase securities. These investors may be retail or institutional in nature.
Mutual funds have advantages and disadvantages compared to direct investing in individual securities. The primary advantages of mutual funds are that they provide economies of scale, a higher level of diversification, they provide liquidity, and they are managed by professional investors. On the negative side, investors in a mutual fund must pay various fees and expenses.
Primary structures of mutual funds include open-end funds, unit investment trusts, and closed-end funds. Exchange-traded funds (ETFs) are open-end funds or unit investment trusts that trade on an exchange. Mutual funds are also classified by their principal investments as money market funds, bond or fixed-income funds, stock or equity funds, hybrid funds or other. Funds may also be categorized as index funds, which are passively managed funds that match the performance of an index or actively managed funds. Hedge funds are not mutual funds; hedge funds cannot be sold to the general public and are subject to different government regulations.

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Market Views

Please click here for Monthly Equity & Debt Outlook Presentation – August 2020

 

Key Events: 

·         Nifty (+7.5%) made new highs (breaching 200DMA & 11k for the first time since March fall) in July but more than half of its gains were contributed by just two stocks.

·         After a sharp recovery (>+50%) from April lows, activity levels peaked in early-July and were still >15% below pre-Covid levels.

·         The MPC, unanimously, kept the repo rate unchanged at 4% but retained the ‘accommodative’ stance.

·         Headline CPI moderated to 6.1% for June after peaking at 7.2% in April. Core Inflation at 5.1% was still elevated in June suggesting that despite the subdued demand, the supply disruption led CPI to spike

·         After almost 18 years, India reported a trade surplus of $0.8bn in June driven by broad-based export rebound and still weak import demand. Oil imports were suppressed by low oil, but non-oil trade improved sharply

·         Centre’s fiscal deficit during 1Q of this fiscal stood at ~83% of Budget Estimate. Reports suggested that actual fiscal deficit for FY21 could be as high as 7.6%, almost 2x budget

Please click here for Monthly Equity & Debt Outlook Presentation – July 2020

·       Nifty (up +7.5%) finally decoupled from the US markets (S&P up only +1.8%) and outperformed during June.

 

·       Despite the headwinds, Indian markets continued to rise due to high foreign inflows (+$2.5bn, highest monthly inflows in 2020) and marginal domestic institutional buying (+$0.3bn). In sectorial trends, all sectors were up v/s May with Realty and Banks at the top.

 

·       After the border clash with China led to 20 Indian casualties, the Indian forces deployed along the 3500-km border were given “full freedom” to counter any aggressive Chinese behavior . Later both countries, however, agreed on a “step-wise mutual disengagement” from areas of friction in Ladakh averting further escalation. 

 

·       IMF projected a deeper 4.5% contraction (vs -1.9% in April) for India in FY21 citing a longer lockdown period and slower than anticipated recovery. FY22 growth forecasted at +6% vs +7.4% earlier.

 

·       Moody’s downgraded India’s rating to Baa3, last level of investment grade rating, while keeping outlook as negative. whereas Fitch reaffirmed BBB- rating but changed the outlook to negative. S&P retained BBB- rating with a stable outlook. 

 

·       The gross GST revenue collected in the month of June, 2020 is Rs 90,917 crore.

 

·       The India Manufacturing Purchasing Managers Index (PMI) edged up to 47.2 in June, compared with 30.8 in May.

 

·       May merchandise trade deficit narrowed to a decade low $3.2bn on weak crude and faster recovery in exports vs imports.

 

·       RBI’s FX reserves hit a record $500bn on portfolio inflows and lower trade deficit.

  • India Inc over the last 3 years has seen multiple shocks – from demonetisation to key reforms like GST, RERA etc. to credit freeze in aftermath of wholesale NBFC unable to get access to credit to current lockdown amidst the global supply and demand shock unleashed by Coronavirus. In the long journey of corporate India, these events almost seems like a big RESET button. A call to significantly change business practices, realign key business priorities in a changing landscape and massive consolidation across sectors.

 

  • ·       Covid19 – while initial impact was localised to Chinese economy and therefore the supply shock given large export from China, the spread of virus globally now risks creating a demand shock as well. While global coordination of policy makers and containment of virus and improvement in drugs to counter will reduce the longer term impacts of this shock, near-term demand and supply chains remain frozen amidst a significant drop in economic activity. We are slowly emerging from lockdown to phases of ‘unlocking’ the economy.

 

  • ·       While Indian government & RBI have announced few measures, we expect more measures to be announced given the unprecedented nature of events led by Covid 19. Amidst this uncertainty, Indian equities have seen large up and down moves in recent months.

 

  • ·       While near term uncertainty induces volatility in asset prices, in the long run, wealth creation in equities is a function as how businesses can profitably grow over their cost of capital sustainably. Given the long-range of reforms introduced as well as likely relief measures by government & RBI, we believe longer-term prospects of Indian equities is quite encouraging and we would advise investors to benefit from such induced volatility.

 

  • ·       Time in the market is more important than timing the market - recently, markets volatility has moved up and investors can benefit from this volatility by focusing on disciplined investing and asset allocation.
An overview of last week's market. #KMFMarketRoundUp (31st July 2020 - 7th August 2020)
10/08/2020 00:31:30
Monthly Debt Market Outlook - August 2020 by Ms. Lakshmi Iyer - President, CIO Debt & Head Products
10/08/2020 00:30:50
Monthly Equity Market Outlook: Mr. Pankaj Tibrewal talks about the current equity market scenarios.
07/08/2020 15:40:40
 

Contact Us

Phone

9500438549
Email skatzsaravana@gmail.com
Address: 113N/2A, SONAI MEENA NAGAR,
TIRUMANGALAM, MADURAI,
TAMILNADU - 625706