Pearl Business Services

Necessity of investing

Do you have money put away for a rainy day? How will you manage if there’s a family emergency? What about a down payment for a home, or a fund for higher education, or retirement? Do you have to repay?

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In this era of recession, deflation, and job cuts, it is especially important for you to consider where your hard-earned money is going; financial security is the key in today’s unpredictable world. And the first step towards gaining that security is to start investing.

Still not convinced? Then ask yourself why you need to save and invest. The answer’s quite simple: so that your money can start earning money, and work towards reducing the effort you put in every day. By investing, you will have a lot more money for things like retirement, education, recreation – or you could pass on your riches to the next generation so that you become your family’s Most Cherished Ancestor. If you borrow money to pay for things you want, you are paying interest to others instead of to yourself. Investing offers you a way to pay yourself instead of others.

Financial Planning Services

Private wealth management encompasses a wide range of services aimed at managing the financial affairs of an individual and family. At Pearl Business Services we provide the following wide range of financial planning services:

1. Financial planning

   1. Financial Planning

   2. Risk Management and Insurance Planning

   3. Retirement Planning and Employee Benefits

   4. Estate Planning

   5. Tax Planning

   6. Investment Planning

2. Advisory services

3. Research Services

4. Banking and Finance

   1. Day to Day Banking

   2. Liquidity Management Services

   3. Lending

   4. Foreign Exchange Services

  6. Portfolio Management services

Independent Professional Advice You Can Depend On

With the growth of the Indian economy and the increase in the divide between the rich and the poor, more excess capital is becoming available in the hands of the individuals and their families, this money needs to be invested smartly to increase returns bearing in mind the risk constraints. With the rapid increase in the number of investment products creating a problem of choice, growing awareness towards one’s finances and an increase in financial frauds has made it increasingly difficult for individuals and families to manage their finances on their own.

The most important point to bear in mind is that we are dealing with ourselves humans where the decision-making process is greatly influenced by personal concerns and preferences. The universe of private investors is heterogeneous with diverse investment objectives, tastes (likes and dislikes), time horizons, perceptions of risk, taxation along varying degrees of stability and logic. Hence, all the problems of individuals are unique, and the solutions cannot be tailor-made by blindly applying the assumptions of modern financial theory. A wealth manager or financial advisor understands the needs of the investor and provides him with an investment package that suits him.

What is an independent financial advisor, and why is it essential to have one working on your side?

Being strictly independent does not only mean that we are not obligated to push certain products or interests, it means we have extraordinary opportunities to provide you first-class service and the best investment available in the marketplace. With such an overwhelming number of investment options, one of the most important decisions you can make is to seek the advice of a trusted, qualified advisor. For this important partnership, you need a trained and experienced professional who sees your total financial picture, someone who can define your life goals, establish the appropriate financial plan, provides strategies focused on your needs, and strive to help you stay on track. Based on your current financial position, objectives, and desires, we will advise you on the appropriate actions to take and will customize your portfolio with investments that tailor specifically to you.