VMS KUBERA Is a leading financial advisor services organization providing an array of financial solutions. With over four decades of experience it caters to the diverse and unique investment needs of retail customers. It has helped the retail customers achieve significant profits and experience return on investments. And today VMS KUBERA having expanded its services spectrum to include corporate. Tax and secretarial services enjoys the reputation of being a “Total Financial Solutions Provider”.
“To Be a Unique Service Provider in the insurance sector”
“To e a company people are proud of trust in and grow with: providing financial independence to every life we touch”
Planning people’s future and standing by them in their hour of need goes beyond business. It takes a selfless intent of thinking well for others our advisors enjoy high credibility and stature in society having helped not only shape future of families, but also recuperate in tough times.
Demat is a convenient mode to hold your investments such as shares, mutual funds , bonds, NCDS, ETFs etc. in a single account and in an electronic form offers a Demat service called “E-Share” which provides a range of depository services such as: denationalization, re-materialization , transmission and pledge of securities. We facilitate your transactions and maintain them in an electronic mode with utmost speed and convenience.
Our internet based services include :
SPEED-e : Enables demat account holders to submit delivery instructions online.
IDEAS (internet-based Demat Account5 Statement) – facilitate to view balances and transactions in your demat account.
For an investor who is seeking better returns then fixed deposits/bonds and who is not well equipped to explore stock markets directly , mutual funds is an effective option Mutual funds also offer diversification as the investments are spread over different companies across sectors. The funds are entrusted to a professional fund returns. Mutual fund can be started with an investment as low as Rs.500 per month.
Systematic Investment Plan (SIP):
The best way to invest in mutual funds is through systematic investment plans. A fixed amount can be paid monthly/quarterly to the fund of your choice. This practice of Systematic investing inculcates in the investor a financial discipline.
And the process of investing regularly fetches the advantage of rupee cost Averaging. This in turn ensures that they purchase more shares of an investment when the prices are low and less when they are high.
Investing through Exchange Platform :
This method allows investing in mutual funds using the Demat Account like purchasing shares. It is easy, less troublesome and a paperless way to invest and manage mutual funds holdings. It provides the flexibility to monitor investments remotely and also provide a single and consolidated view of all the financial products. Additionally, it saves the time spent on know your customer (KYC) formalities for every investment.
Equity is the only assent class which can give inflation adjusted real return over a period of time. Considering the tax free status of capital appreciation and regular dividends. Equity will always be an ideal asset class for wealth creation. Returns in stock market will be volatile across time periods. The returns are not regular and assured in nature. Stock market returns are always back ended. Not front ended. Compounding magic works works only with a long term approach.
“Time in the market is more important than timing the market”
While volatility will be an inevitable part of an investor’s journey, we believe disciplined and systematic way of allocation will help you to ride out volatility across ,market cycles. Market volatility will always give opportunities to participate. Tactical cash positions in liquid funds an higher allocation during market corrections will make a substantial difference to your returns. Our role will be to handhold customers across market cycles based on these principles.
Systematic asset allocation, focus and discipline will only eliminate the risks arising out of volatility. Sensex has given a return of 18% since inception with intermittent volatility across time period. Stock market also giver a great opportunity to.
Bond refers to a security issued by a company, financial institution or the government. They offer regular/fixed payment of interest in return for borrowed money for certain tenure. Bonds can be either secured or unsecured.
Bonds issued by financial institutions offer attractive return interest Is paid monthly, quarterly, half-yearly, annually and on maturity. Bond provide liquidity as well as flexibility to the investor besides few bonds offering tax benefits as well.
Bonds offer liquidity as the investor can choose to exit his/her investment at a pre-determined tenure. The investor also has the option of availing loans from banks based on the security of the bonds. The bonds are generally listed in major stock exchanges, and can be held in physical as well as demat form. There will not be any deduction of tax if the bonds are held in demat form.
“To e a company people are proud of trust in and grow with: providing financial independence to every life we touch”
Planning people’s future and standing by them in their hour of need goes beyond business. It takes a selfless intent of thinking well for others our advisors enjoy high credibility and stature in society having helped not only shape future of families, but also recuperate in tough times.
Why do I need life insurance?
Life insurance is a long term financial instrument that helps you fulfill your family members financial needs at important milestones, even in your absence it also allows the family to pay off any mortgage, liabilities don’t cause an additional burden to them.
What is life insurance?
A life insurance policy allows you to provide the right security for your family in case of your unfortunate absence. As you are the sole bread earner of the family, an untimely demise can cause them severe financial distress. While no amount of money can ever replace a person, life insurance gives you the peace of mind knowing that your family will have the right financial support to continue living case of your absence.
Life insurance is a long term financial instrument that works as a financial backbone to fulfill your family members financial needs at important milestones even in your absence. Most importantly it allows the family to pay off any mortgage, liabilities, medical expenses or loans so that these liabilities don’t cause an additional burden to them it is therefore important to choose an insurance policy that allows your family to continue the same kind of lifestyle and cherish the wonderful memories that come along.
Insurance
When it comes to designing your personal finance, life insurance plays a pivotal role selecting an appropriate life insurance product that suits your lifestyle and family is integral to long term financial planning.
Benefits of life insurance :
To know more about life insurance and buy a plan please visit: www.integratedinsurance.in
