INVESTING PRODUCT
CREATING & CURATING PRODUCTS FOR YOU
We use the full spectrum of financial instruments, in conjunction with our house views and your suitability, to design bespoke solutions for you.
(a) EQUITIES
Our equity strategies and recommendations are structured to deliver long-term, sustainable growth in client portfolios. We focus on companies with predictable growth profiles, strong competitive positioning, and top quality management, complemented with solid balance sheets, ROEs, and cash flows.
(b) FIXED INCOME
Our investment advisors monitor the global macro economic environment as well as domestic credit and monetary policy drivers to ensure client portfolios are positioned with the most optimal instruments to meet their return objectives for specified risk levels. We also monitor the fixed income markets for tactical trading opportunities to generate excess returns and for changing interest-rate, credit-curve, and duration factors.
(c) MUTUAL FUNDS
We offer a careful selection of mutual funds, based on in-depth analyses that best represent the most appropriate route-to-market for specific strategic or tactical objectives. Our analyses include firm and fund-specific factors, including consistency and risk management. We also ensure rigorous periodic monitoring to revalidate our conviction in the constituents of our selection.
(d) ALTERNATIVE INVESTMENTS
We are part of the alternative investment ecosystem and are constantly evaluating opportunities within this asset class across the full range of instruments including private equity and hedge-funds. We are extremely selective about our recommendations, which are based on a rigorous due diligence process that encompasses a number of technical evaluation criteria, combined with sound macroeconomic context-setting.
(e) STRUCTURED PRODUCTS
Our structured products team provides customised route-to-market approach for our in-house views, or hypotheses generated by you, through the judicious use of both principal-protected as well as non-principal-protected structures, across asset classes, to achieve the desired payoff profiles
(f) DERIVATIVES
For client objectives ranging from opportunistic trading strategies to the creation of hedging based customised exposures and pay-off profiles, our derivatives desk can create tailored investment management recommendations using fundamental, quantitative, and technical tools
(g) EXECUTION & DEPOSITORY SERVICES
Our in-house execution and depository services seamlessly integrate investment processes end-to-end. Our execution services platform is aimed at transacting and reporting in an accurate, timely and error-free manner using the most modern technology and state-of-the-art processes.
PORTFOLIO SOLUTIONS
MAKING YOUR STATEMENT
We offer a range of portfolio management solutions based on your investment aspirations, risk appetite, investment personality, and current circumstances.
INDIAN IMPERIALS
A large-cap-oriented strategy that focuses on investing in high-quality companies with long-term sustainable growth, driven by dominant leadership positions in their respective segments. The strategy centres around delivering long-term superior risk-adjusted returns to investors and is positioned to be a core allocation in client portfolios.
GLOBAL ALLOCATION SCHEMES
This strategy invests in different geographies across the world by creating a portfolio of best-in-class Global Funds which are available on the domestic mutual fund platform. The active geographical allocation aims at finding pockets of value around the world, and using domestic mutual funds ensures ease of transacting, monitoring as well as tax reporting. An important diversification strategy, the Global Allocation schemes can help align your larger international goals and also serves to improve your overall risk-reward profile
INDIAN STRUCTURAL GROWTH SCHEMES
An economy as vibrant as India has given rise to several structural growth themes offering attractive investment opportunities. Indian Structural Growth Schemes focuses on investing in ideas that benefit from such themes. The portfolio is also complemented with opportunistic ideas that the market misprices from time to time.
SMART SOLUTIONS
A concentrated portfolio of good quality stocks built based on technical factors such as momentum and liquidity indicators and managed within defined risk bands.
START-UP SERVICES
We are the service provided to the people who dream to be entrepreneur and become a new in corporate world. We are the charioteer of your vision, the guide of your dreams, the mentor of your motive.
We provide services :
(i) Company Registration
Company registration is the primary process by which business owners establish or incorporate their company. Since there are several types of companies in India, entrepreneurs have to ensure they choose a business type that suits their operations
(ii) LLP Registration
An LLP has the characteristics of both the partnership firm and company. … The Limited liability Partnership Act, 2008 regulates the LLP in India. Minimum two partners are required to incorporate an LLP.
(iii) Trust Registration / NGO Registration
Trust registration is a process of legalizing the trust deed (a legal contract between the settlor and Trustee) from the registrar of the respective jurisdiction. The Trust serves as a legal medium liable for the lawful distribution of the settlor’s assets among the concerned beneficiaries.
(iv) Import Export Registration
An Importer -Exporter Code (IEC) is a key business identification number which mandatory for export from India or Import to India. … IEC may be applied on behalf of a firm which may be a Proprietorship, Partnership, LLP, Limited Company, Trust, HUF, Society.
(v) Aadhar Udyog Registration
In recent times, for boosting small-scale businesses in the country, the Government of India had initiated the Udyog Aadhaar Registration (UAM) process. However, currently, the Udyog Aadhaar Registration is migrated to Udyam Registration. The MSME’s (Micro, Small and Medium Enterprises) have to apply for Udyam Registration to obtain the benefits provided to MSME by the government.
(vi) Trade Mark Registration
A trademark is a sign capable of distinguishing the goods or services of one enterprise from those of other enterprises. Trademarks are protected by intellectual property rights. … In principle, a trademark registration will confer an exclusive right to the use of the registered trademark.
(vii) ISO Registration
ISO Registration. A certification act as proof of that company’s credibility in tenders and enhances confidence that your promises will be kept. ISO registration is one of them. It certifies that the company’s management system complies with an ISO standard beneficial to your business, your clients, and your team.
(i) FSSAI Registration
The Food Safety and Standards Authority of India (FSSAI) is a legal authority that offers a food license to all food business operators (FBO) in India. … FSSAI Registration ensures the security of food products and it is essentially a food safety certificate circulated by the food authority in India.
(ii) Cooperative Society Registration
Registrar of Cooperative Societies means the individual appointed as such under the Cooperative Societies Act, and includes any Individual empowered to exercise the powers of that Registrar of Cooperative Societies under that Act.
SAVIOUR OF YOUR COMPLIANCE
If you are a ongoing company or entity, We are the one roof solution of your compliances.
GST Compliances
The GST compliance rating is a score given by the government to a business so that other businesses can see how compliant they are with the tax department. This score will be calculated based on parameters such as timely filing of monthly and annual returns, furnishing details of input credits used, taxes paid, etc.
Registration of Company Compliance
Once a company is incorporated, there are a set of compliance procedural formalities which must be completed to maintain compliance as per the Companies Act, 2013. All the Incorporated companies needs to mandatorily comply with the provisions applicable and there upon start the business operations of the company.
Compliance of Income Tax ( Income Tax Return & Tax Audit Report )
Overall, tax compliance involves being aware of and observing the central tax laws and requirements set forth by government officials and other taxing authorities. A basic example here is the annual April deadline for tax return filing. Individuals who don’t complete their tax return filing by this date are considered noncompliant. They risk leaving their tax return on the table as well as facing fines or penalties.
WEALTH PLANNING
INSIGHTFUL GUIDANCE TAILORED TO YOUR ESTATE’S NEEDS
We begin by understanding your family wealth management objectives and priorities alongside your overall family and corporate circumstances and the nature of your estate. We, then determine your goals and help you set out a sound approach for effective solutions. Finally, we facilitate the implementation of solutions and structures through our subsidiary company, Dzar International Advisors Private Limited which employs our in-house team of experts as well as a carefully identified set of technical partners to ensure a comprehensive solution.
WEALTH TRANSMISSION AND SUCCESSION
Be it a will, a living trust or a gift, it is important to identify appropriate structures to transmit your estate, taking into account the nature of the estate and the composition of beneficiaries, based on your determination of “who” gets “what” and “when”.
WEALTH PROTECTION AND PRESERVATION
Wealth preservation can often be even more difficult than wealth creation. Preserving your legacy requires you to think about issues including potential misguided extravagance, professional liabilities and key man risks, amongst others. Our in-house wealth management advisory services specialists can help you identify suitable ways to preserve your estate and ring-fence it from such risks.
FAMILY & BUSINESS
Family first or business? Given the large entrepreneurial demographic in the country, the involvement of extended families in business and the frequent lack of distinction between personal and corporate assets, it is important to think carefully about the structure of the estate and the manner in which responsibility and accountability is shared. Family governance structures such as family boards, shareholder agreements and family constitutions can provide a robust framework for managing family-business objectives and avoiding conflicts.
PHILANTHROPY SERVICES
Whether you desire to establish a family philanthropic legacy or an impactful CSR program, we can assist by identifying the answers to key questions ranging from identification of causes to the appropriate structure of giving vehicles. We are aware of the importance of these elements to your financial well-being and the Dzar International Advisors team is there to help you structure and manage your affairs appropriately.
Mutual Fund Consultant Service
Usually, when people select a scheme themselves, they do so based on its performance. They don’t consider that past performances may not be sustained. Evaluation of schemes is a function of various attributes of the schemes, e.g. scheme objective, investment universe, the risks that the fund is taking, etc. This requires the investor to put in time and effort. The investor also needs to have the requisite expertise to be able to understand the features and nuances as well as the ability to analyse and compare from among many options. An investment advisor would be qualified and trained for such a job.
Secondly, more important than investing in the best scheme, it’s important to invest in a scheme most appropriate or suitable to the investor’s current situation. Though the investor’s situation is best known to the investor, a good advisor or distributor would be able to ask the right questions and put things in perspective.
Once the portfolio is constructed, regular monitoring of the scheme characteristics and portfolio is required, which is an on-going job. An advisor/distributor helps you review these schemes too.
Fund Management Services
Fund Management is the professional asset management of various securities, including shareholdings, bonds, and other assets, in order to meet specified investment goals for the benefit of investors.
Bank Project Management Services
Bank Project Management Services helps to facilitate loans for Long-term projects of the companies. Since any financial institute has consider the viability of the project before determining the loan amount to be given. The project department has to ensure that its liaisons with team members involved in the project to :
- Understand the volume of the project
- Risk involved in the project
- Financial Requirement of the project
- Forecast the expected revenue
INSURANCE SERVICES
(h) Life insurance Service
Life Insurance is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money upon the death of an insured person (often the policy holder). Depending on the contract, other events such as terminal illness or critical illness can also trigger payment. The policy holder typically pays a premium, either regularly or as one lump sum. The benefits may include other expenses, such as funeral expenses.
Life policies are legal contracts and the terms of each contract describe the limitations of the insured events. Often, specific exclusions written into the contract limit the liability of the insurer; common examples include claims relating to suicide, fraud, war, riot, and civil commotion. Difficulties may arise where an event is not clearly defined, for example: the insured knowingly incurred a risk by consenting to an experimental medical procedure or by taking medication resulting in injury or death.
Modern life insurance bears some similarity to the asset-management industry, and life insurers have diversified their product offerings into retirement products such as annuities.
(i) Health Insurance Service
Health insurance or medical insurance is a type of insurance that covers the whole or a part of the risk of a person incurring medical expenses. As with other types of insurance is risk among many individuals. By estimating the overall risk of health risk and health system expenses over the risk pool, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to provide the money to pay for the health care benefits specified in the insurance agreement. The benefit is administered by a central organization, such as a government agency, private business, or not-for-profit entity.
(j) General Insurance Service
General insurance or non-life insurance policies, including automobile and homeowners policies, provide payments depending on the loss from a particular financial event. General insurance is typically defined as any insurance that is not determined to be life insurance.