Retirement Plans and allied consultancy

Once you retire, life takes you to a tough terrain. At one side, you get rid of your work responsibilities and on the other side; you are overburdened with household responsibilities. It is as if there is no end to your worries and mental stress. Well, the only way to sort these post retirement issues is by planning ahead. But if only that was a cake walk! Planning for that far ahead while you are in your prime and handling other responsibilities is nothing less than a daunting task. What you really need is a clear guidance. Altius Finserv, under the aegis of its Managing Director Pawan Bansal, has an expertise in guiding you towards the right planning to make your retirement days peaceful.

Altius Finserv has developed retirement plans that allow you to plan ahead for the retirement days. Based upon your current savings and extensively mapping out your requirements at the point of your retirement, we will help you secure your future while you are young. We also offer consultancy services to simplify any query from your end.

You study hard for the first 20 years of your life and you spend rest of the years working tenaciously just so that you can lead a comfortable life. But once you stop working and enter retirement phase, the revelation is daunting. You realize that you don’t have any source of income. And you don’t have much of your savings because you utilized them in your child’s education and marriage. So unless you have carefully planned your retirement, expect the ride to be a little bumpy. So Altius Finserv recommends you that you start planning for your retirement and make it comfortable while you still can. 

Altius Finserv Discuss on Financial Services

Introduction

India has a diversified financial sector, which is undergoing rapid expansion. The sector comprises commercial banks, insurance companies, non-banking financial companies, co-operatives, pension funds, mutual funds and other smaller financial entities. The financial sector in India is predominantly a banking sector with commercial banks accounting for more than 60 per cent of the total assets held by the financial system says Pawan Bansal MD of Altius Finserv.

India's financial services sector such as Altius Finserv and many other Finserv companies has always served the country’s economy well, accounting for about 57 per cent of the gross domestic product (GDP). In this regard, the financial services sector has been an important contributor.

The Government of India has introduced reforms to liberalise, regulate and enhance this industry. At present, India is undoubtedly one of the world's most vibrant capital markets. Challenges remain, but the future of the sector looks good. The advent of technology has also aided the growth of the industry. About 75 per cent of the insurance policies sold by 2020 would, in one way or another, be influenced by digital channels during the pre-purchase, purchase or renewal stages, as per a report by Boston Consulting Group (BCG) and Google India.

Market Size

The size of banking assets in India reached US$ 1.8 trillion in FY14 and is expected to touch US$ 28.5 trillion by FY25.

During 2013-14, the life insurance industry recorded a premium income of Rs 3.14 trillion (US$ 49.67 billion), as against Rs 2.87 trillion (US$ 45.39 billion) in the previous financial year, registering a growth of 9.4 per cent.

India’s life insurance sector is the biggest in the world with about 36 crore policies, which are expected to increase at a compounded annual growth rate (CAGR) of 12-15 per cent over the next five years. The insurance industry is planning to hike penetration levels to five per cent by 2020, and could top the US$ 1 trillion mark in the next seven years. The total market size of India's insurance sector is projected to touch US$ 350-400 billion by 2020.

According to the recent data released by the Insurance Regulatory and Development Authority (IRDA), the gross direct premium underwritten by non-life insurance companies during 2013-14 was Rs 77,538.25 crore (US$ 12.26 billion) compared to Rs 69,089 crore (US$ 10.92 billion) in 2012-13. The gross direct premium underwritten during 2011-12 was Rs 58,119.71 crore (US$ 9.19 billion). The non-life sector growth was 19 per cent in 2012-13 and 23 per cent in 2011-12.

India is the fifteenth largest insurance market in the world in terms of premium volume, and has the potential to grow exponentially in the coming years. Life insurance penetration in India is just 3.1 per cent of GDP, which has almost doubled since 2000. A fast growing economy, rising income levels and improving life expectancy rates are some of the many favourable factors that are likely to boost growth in the sector in the coming years.

AltiusFinserv Private Limited Investments are corpus in India’s pension sector expected to cross US$ 1 trillion by 2025, following the passage of the Pension Fund Regulatory and Development Authority (PFRDA) Act 2013.

Altius Finserv gears up to serve PM Modi’s “Start up India, Stand up India’

This fact is now assured well beyond the fact that Prime Minister Narendra Modi is one of those few Prime Ministers in the world who have laid an impeccable emphasis on promoting start ups in the country. In fact, in his Independence Day speech, the honorable Prime Minister gave India a slogan ‘Start up India, Stand up India’. This has, beyond all doubts, confirmed that this is perhaps the best time for the entrepreneurs to come out of the closets and innovate. Led by Chairman PawanBansal, Altius Finserv is on the cusp of helping these budding entrepreneurs give a shape to their ideas.

Altius Finserv is basically a boutique investment banking company that holds a prowess in connecting businesses with prospective investors. So if you have a business idea, then we will help you gather the capital for it. As an investment firm, we also finance various projects. So if your idea is brilliant, we might just as well come on board with you. Altius Finserv has a myriad of industry clients to its credit.

India is now completely prepped up for an IT revolution. The growth in the technology has propelled India to a global platform. The world is the arena where Indians are more than welcomed to prove their mettle and make their mark. This is the best time to materialize the scenario brewing up. And Altius Finserv can be your perfect partner in this journey.

Altius Finserv gives you an insight into Capital Markets

Capital markets, equities, debts et al, aren’t these quite heavy words? Just the mention of these words makes one go dizzy. It is like an overwhelming chemical imbalance inside your mind. Such heavy finance related words often seem ambiguous. However, Pawan Bansal, Managing Director, Altius Finserv Pvt. Ltd has a simplified explanation for you.

As per him, Capital Markets are basically markets that entail to selling and buying of equities (stocks) and other debt instruments. They act as a platform bridging the gap between capital suppliers and users. In short, they connect the investors with the users who need capital for their businesses. So in Pawan Bansal’s words, capital markets simply facilitate the demand and supply. Capital markets are further bifurcated into 2 categories, primary and secondary. Primary capital market is the one where new stocks and bonds are sold whereas the secondary market deals with the equities and debts that already exist.

The next part is a little tricky. The capital markets have a large number of participants, like individual investors, pension funds, mutual funds and even governments, PSUs etc. Also, now every investor wants as much profit as possible. So the common trade off is that an investor into your business would expect high returns. And if in case you are an investor, it is important for you to invest your money in an area where a good rewarding return is expected. Sounds tricky…right? Now this is where Altius Finserv will guide you. Altius Finserv Private Limited is a boutique investment banking firm offering financial advisory services like debt syndication, public offerings, private placements, spin-offs and restructurings. So all those terms that you find baffling are actually the ones we communicate in on daily basis. No wonder that’s why we boast of an elite clientele.

Various types of investments - by Pawan Bansal, M.D, Altius Finserv

The most perplexing decisions that we make in our lives are related to financial investments. This is one area where a minor error from our end can make the sums go wrong. Altius Finserv and its Managing Director would like to introduce you to various types of investments that you must know of:

1. Bonds 

Bonds are also referred to as debt but a debt that you lend and not borrow. Purchasing a bond basically means that you are lending your money to some company or government at times. In return, they agree to give interest on your money timely and eventually pay you the principal amount. The best thing about bonds is that they are relatively safe. It is as if your investment will earn you guaranteed profit. However, since the risk factor is less, the profit or interest given to you is also less. So what you get in return isn’t very much, but nonetheless confirmed.

Types of Investment

2. Stocks 

Buying stocks, also referred to as equities, allows you to be a shareholder of the company with which you are investing. The company in return gives you profits, if any, depending upon the percentage of stocks you purchased. This profit which is divided among the shareholders is called dividend. If you hold a large number of stocks, then you get decisions making power in the company. (Although that depends upon the company’s policies).That means you will be able to vote at the shareholders’ meetings. Stocks offer you good amount of return but they are highly volatile. They fluctuate on daily basis and hold high risk factor. There are times when the stocks in turn cause you loss. Therefore one needs to be careful while investing in stocks.

3. Mutual Funds 

As the name suggests, mutual funds refer to the funds that are created collectively by a group of people and then given to a banker for investing them in rewarding schemes. People generally prefer hiring a banker to handle this.

4. Deposits

People can deposit their money in banks. They will be offered suitable return on their investment. But in this case as well, returns aren’t much. Example – fixed deposits.

Altius Finserv carefully advises you to sort your priority and choose the right form of investment. If in doubt, then contact us. Our acquaintance with the financial sector and its intricacies is extensive. 

Pointers for entrepreneurs to manage their finance - Karan Bagga, Executive Director Altius Finserv

It won’t be wrong to call this eon an eon of entrepreneurs. The advent of social media and widespread use of internet and the allied benefits have brought us to a belvedere which allows us a liberty to innovate and re-invent. This digital age is doing a remarkable job in bringing people out of the closet and letting them experiment with their ideas. No wonder this has led to numerous entrepreneurs flocking the market with their ideas. Some of them stay and some don’t. But there are a large number of entrepreneurs who shelve their ideas just because they get their sums wrong. In the end, it’s the finance that decides the trajectory your business would take. Here are a few tips from Altius Finserv that would help the entrepreneurs in managing their money:

1. Don’t mix business with pleasure:
The first advice from our end would be that don’t be an imbecile and spend the money meant for business on your luxuries. Draw the line. The money meant for business is a ‘no touch’ asset. Use it only for business purposes. This would allow you to make the most of the money and use it optimally.

2. Cut your travel and living cost”
So you made a good amount of profit in the first financial year of your business. Now what? You straightaway go and buy yourself a decent house and a nice ride to the office? Drop the idea. You have just begun. Don’t go that extravagant. Simplicity is the art my friend. Cut your travel and living expenses if possible. Believe us, this saving would come in handy.

3. Get a little help from family:
Well, as they say, blood is thicker than water. This is somewhat true when you have a brilliant idea and need investors to back it up. Let’s accept it that a family member won’t exploit you as much as an outsider investor would.

4. Hire a financial firm :
This might sound clichéd coming from us, but the fact is that you need to depend upon experts to look after your business proceedings. The taxes and so many other regulations and intricacies involved are unnerving. An investment firm would not only handle all these overheads, but would also streamline the operations.

     Altius Finserv Private Limited is a boutique investment banking firm offering financial advisory services like debt syndication, public offerings, private placements, spin-offs and restructurings.

Altius Finserv – Taking care of your investments

Among the sectors and domains that often leave one baffled, finance and investment sector ranks on the top. This particular sector affects all of us throughout our life for every decision made in this respect has ripple effects. Due to its dispersive nature, finance and investment concerning decisions are believed to be the toughest ones to make. The global civilization in today’s eon has a myriad of options to invest into. But the common trade-off with such wide openings is the level to which it complicates your decision making.

Such perplexities often cloud your judgment and delude you into making a wrong choice. However wise the decision may seem initially, in the long run, you realize you got your sums wrong. The fallacy not only lies in your understanding of the market, but also in the negligence of the facts concealed beneath the observations.

But we, at Altius Finserv, are competent enough to save you from jeopardizing your money. Altius Finserv Private Limited is a boutique investment banking firm offering financial advisory services. Debt syndication, public offerings, private placements, spin-offs and restructurings are few of the advisory services out of our catalog along with joint ventures, recapitalizations, mezzanine financing, divestitures, leveraged buyouts and mergers and acquisitions services are a few of the services that we offer through our catalog. As an investment banking firm, we also hold a prowess in connecting you with potential investors to facilitate your business.

Under the aegis of an experienced panel, we are already catering to a long list of clients representing various industries, ranging from banking and financial sector to real estate, media to textile along with telecom and healthcare sectors.