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Wealth Management

Wealth management is the consultative process of meeting the needs and wants of clients by providing the appropriate financial products and services.
Wealth management is simply the science of solving/enhancing his or her financial situation. From the financial advisor’s perspective, wealth management is the ability of an advisor or advisory team to deliver a full range of financial services and products to a client in a consultative way.

It is estimated that individual financial wealth in India will almost double to 403 lakh crore by FY22 at a CAGR of 14.60%. Direct equity and mutual funds are expected to be the growth drivers of this northward trend, growing by 164% and 127% respectively over the next 5 years

Wealth Trends of 2017

  • Total wealth held by individuals in India has grown by 10.91% to 344 lakh crore. Individual Wealth in financial assets grew by 14.63%, while that in physical assets grew by 5.92%. This is in contrast to the previous year when the growth of wealth held in physical assets was higher than the growth of wealth held in financial assets.
  • Direct equity has been the main growth driver in FY17 growing at 26.8% as compared to de-growth of 13.8% in the previous year.
  • The positive sentiment also helped propel Mutual Funds which grew at over 39% over the previous year as individuals increasingly identify this asset class as a better way to participate in the equity markets.
  • Current Deposits and Saving Deposits grew handsomely by over 39% and 27% respectively, primarily on account of demonetization of high value currency notes
  • Over 66% of individual’s wealth in Financial Assets was held in Direct Equity, Fixed deposits, Insurance and Saving Deposits.
  • We expect wealth held by individuals to reach 639 lakh crore by FY22 at a steady CAGR of 13.18% per annum
  • The implementation of various reforms such as GST, RERA, new insolvency and bankruptcy code and recapitalization of banks among others are likely to move more informal sectors into the formal economy and hence, boost GDP growth and individual wealth in the medium to long term.
  • There is increasing trend of HNIs investing in unlisted equity to be part of the start up / private equity story apart from the quest to have higher anticipated returns on account of unlocking of potential valuations upon listing on stock exchanges.
  • There is an increasing trend of ultra HNIs looking at engaging with Family Office set-ups to not only help them in managing investments but also help in ensuring a relevant structure to preserve, grow and manage their wealth for generations to come.
  • Direct Equity Investments are expected to be the main growth drivers for the future and are expected to grow at a CAGR of more than 21% over the next 5 years.

Advantages of Mutual Fund

  • Professional Management – The primary advantage of funds (at least theoretically) is the professional management of your money. Investors purchase funds because they do not have the time or the expertise to manage their own portfolio. A mutual fund is a relatively inexpensive way for a small investor to get a full-time manager to make and monitor investment.
  • Diversification – By owning shares in a mutual fund instead of owning individual stocks or bonds, your risk is spread out. The idea behind diversification is to invest in a large number of assets so that a loss in any particular investment is minimized by gains in others. In other words, the more stocks and bonds you own, the less any one of them can hurt you (think about Enron). Large mutual funds typically own hundreds of different stocks in many different industries. It wouldn’t be possible for an investor to build this kind of a portfolio with a small amount of money.
  • Economies of Scale – Because a mutual fund buys and sells large amounts of securities at a time, its transaction costs are lower than you as an individual would pay.
  • Liquidity – Just like an individual stock, a mutual fund allows you to request that your shares be converted into cash at any time.
  • Simplicity – Buying a mutual fund is easy! Pretty well any bank has its own line of mutual funds, and the minimum investment is small. Most companies also have automatic purchase plans whereby as little as Rs 1000 can be invested on a monthly basis.
With personalized Financial Planning, UFI can help you plan any or all of your life goals i.e. retirement, children’s future, purchase of an asset, debt management, insurance requirement analysis and other such goals.

Through our Financial Planning Service, you get a holistic Financial Plan that takes into account your current financial position and tells you how to get to where you want to be with all of your financial goals. Once your Plan is created, we can even assist you with the implementation of your Plan, and monitor the execution of your investments through our Wealth Planning Service. With this Service, you can choose to receive a Financial Plan for a single or multiple financial goals. You can also choose to avail only a review of your investments (mutual fund and insurance portfolio).
At UFI Wealth Management our research team tests every mutual fund scheme through extensive scrutiny by a set process, while our recommended schemes make the grade on a number of parameters before being selected.
UFI builds customized portfolios to meet the goals and objectives of our clients. We predominantly use individual securities utilizing a “core/satellite” strategy to build each client's custom portfolio.
Fixed Income Investments generally pay a return on a fixed schedule, though the amount of the payments can vary. Individual bonds may be the best known type office income security, but the category also includes bond funds, ETFs, CDs, and money market funds.
At UFI Wealth Management we build long-term relationships, which allow us to provide personalized, clear and considered advice on all areas of property in all key markets. We believe personal interaction is a crucial part of ensuring every client is matched to the property that suits their needs best – be it commercial or residential.
Creating wealth is just one aspect of financial planning . It is complete only when you get to decide what happens to your accumulated wealth after you are gone. It is important to have a wealth succession plan in place. What is the best way to do it? The smoothest way is leaving behind a will to ensure that the final allocation of your wealth happens according to your wishes.

At UFI we believe that Succession planning is important to ensure transfer of wealth in a manner and at the time as per your decision. It ensures that wealth is transferred to people you choose, that the interests of the weak or of minors are provided for, that your wealth is distributed without family disputes and that your wealth is transferred to trusted people

We Support you to plan your succession well through our experienced Estate Planning / Will Writing Services Team .