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1TakeCARE
March, 2010
InvestCare Services
2TakeCARE
Introducing TakeCARE
• TakeCARE is promoted by:– K Sridhar – Certified Financial Planner (CFP)
• ICWA, ACS & CFP with over 20 years of financial services experience. • Advising on investments & asset allocation of investors• Over 20 years experience in financial services & investment planning
– K Ramakrishnan• MBA with over 22 years of financial services experience. • Managing & Advising various large families on Investments & Estate
– V Vijaya Bhaskar • Qualified technology professional and • Entrepreneur
3TakeCARE
Services from TakeCARE
• TakeCARE is a ‘Family Office’ which provides comprehensive suite of services to various families
• Services for individuals & families Include:– InvestCARE – A complete Mutual Fund & Insurance solution– Succession Planning – for effective transfer of estates to kith and kin– Bullion / Precious stone investments– GeriatricCARE – A specific service for aged parents who are not having
the company of their children who are away from home due to professional compulsions
• Services for family businesses include:– Business Advisory– Corporatisation and capital raising– Legal and Secretarial support
4TakeCARE
Investments: An Overview
• There are wide range of investment opportunities available today:– Mutual Funds & Insurance – Equities & Bonds – Real Estate– Business, Bullion, Precious Stones, Art etc.– Other Assets including International Equities & Funds
• Each of these asset classes have their own characteristics which are key in building a portfolio:– Risk Return Profile of the product– Entry & Exit Barrier / Liquidity & cost of liquidation– Market Conditions & Expectations– Other additional features
5TakeCARE
Asset Allocation: Key to Returns
• Asset Allocation is the process by which Investment is spread across various Asset Classes– Depending on ‘Customer Profile’ and ‘Objective’– Based on Products Available, its suitability and Market Conditions
• Investment performance is largely dependent on ‘Asset Allocation’– Combines the ‘Markets & Products’ to Customers ‘Profile &
Objectives’ thus creating ‘personalized’ Investment approach– It is seen that Asset Allocation takes care of over 80% of the
investment returns while fund management & other investment activities account for the balance
6TakeCARE
• Step: 1 - PLAN– Asset Allocation
• Step: 2 - DO– Investment as per the
allocation plan – Identification of right
products / stocks • Step:3 – CHECK
– Review portfolio and Asset allocation preferably on a quarterly basis
– Review the 4 key drivers: Goal & Profile, Markets & Products
• Step: 4 – ACT– Re balancing the portfolio,
when necessary
Steps to build a Investment Portfolio
7TakeCARE
InvestCARE from TakeCARE
• InvestCARE is a service offered by TakeCARE covering:– Helping the Investor to Plan their investments across asset classes by
creating a comprehensive ‘Asset Allocation’– Help implementation of the Plan or enable implementation through
domain partners– Periodic review of the investments along with the customer to arrive
at ‘re-balancing’ portfolio when necessary– Keeping track of various asset classes and its market and sentiments to
arrive at action points when necessary– Re-planning when there is a change in the profile or objective of the
investor or major changes in the markets
• Thus, while our main role is ‘Planning’ & ‘Checking’ in the PDCA cycle we do help in ‘Do’ and ‘Act’ part of the cycle if necessary.
8TakeCARE
Our Approach to Asset Allocation
Markets Products Goals Profile
AssetAllocation
InvestmentOpportunities
InvestmentObjectives
Market Related Investor Related
9TakeCARE
Key activities in InvestCARE
• Financial Planning– An activity which will bring on paper, the dreams and objectives of an
individual and create an action plan in line with the same keeping in mind the markets and products available to reach the objective
• Investment Execution– Having planned, there is a need to actually execute the plan– This may involve various products to be invested in
• Investment Administration– Periodic Review– Record Keeping– Analysis
10TakeCARE
Investment Planning
11TakeCARE
Service Offerings
• Preparing a Financial Plan– Understanding your Investment Requirements comprehensively– Creating and understanding your profile, including the risk profile to
arrive at the best suited investment plan– Creating a Comprehensive Financial Plan keeping in mind the
requirements as well as your profile• Working out the ideal Asset Allocation
– Asset Allocation is a key factor in Investment Returns– Needs to consider both your personal profile and objectives and
mapping the same with the market and expectations• Tax Planning
– Tax is an important component in Personal Finance & Wealth Management
– Depending on your requirements, we will work out the most suitable tax planning and help execution of the same
12TakeCARE
Investment Execution
13TakeCARE
Enable investments
• Equities – Primary & Secondary Market
• Mutual Funds– Equity, Debt, Balanced, Gold & Realty
• Insurance– Life Insurance, Medical, General Insurance
• Bonds– RBI, Government, POMIS,
• Derivatives– Equity derivatives – Commodity derivatives
• Other Assets– Gold & Precious Stones
14TakeCARE
Investment Administration
15TakeCARE
Efficient Administration of Investments
• Like most other activities, once planned and executed, there is still a need to review and administer Investments
• The Administration would include– Periodic tracking of investments– Following the calendar of investment activities like dividends, due
payments etc. – Review of investment objectives and see if there is a need to modify
the plan– Review the markets and conditions to see if there is a need to modify
the plan– Preparation of reports for tax returns including calculation of Capital
Gains
16TakeCARE
Contact
• Chennai: New No. 18, Maharishi Garden,5th Cross St., CIT Colony, Chennai 600
004
• Hyderabad: Flat No. 5, Block B, Kundan Towers, Mayuri
Marg, Begumpet, Hyderabad 500 016
• Personal Contact– K Ramakrishnan rami@takecare.in, +91 98490 59990– K Sridhar sridhark@takecare.in , +91 98490 02127– Vijayabhaskar vijay@takecare.in, +91 93845 91011
17TakeCARE
Thank You
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