Mutual Funds

Mutual Funds form an integral part of every client's investment portfolio on both the debt and the equity side. Mutual fund investments enjoy certain distinct advantages; diversification of assets, professional expertise, liquidity, low cost through economies of scale, safety and transparency.

Having said that, it is important to seek the help of a financial advisor who can assist you in making the right choice of mutual funds at an acceptable level of risk that help you meet your life goals. The advisor will ensure that you remain true to your asset allocation at all times through proper rebalancing and readjustments to your portfolio.

At ASK Wealth Advisors we classify and recommend mutual funds across the following categories:

• Fixed Income Fund
• Hybrid / Balanced Fund
• Diversified Equity Fund
• Large Cap Equity Fund
• Midcap / Small Cap Equity Fund
• Theme / Sector Based Fund

Our research methodology

The graph below depicts our approach to recommending mutual funds:

We follow a proprietary mutual fund rating methodology, validated by CRISIL, before giving our recommendations on any MF. Our methodology consists of a detailed Quantitative and Qualitative analysis to rank funds in their respective peer set. The scope of analysis includes:

• The Fund Houses
• The Mutual Fund Scheme – Quantitative analysis
• The Fund Manager – Qualitative analysis

After this, an overlay of forward valuation of the fund & estimation of future growth potential is undertaken, for recommending funds.

Model Portfolio offering

This forms a part of the ASK's Wealth Management service. It is a concentrated portfolio of mutual funds across equity and debt. It is customized keeping in mind your risk profile and the time horizon for which you would want to stay invested in the portfolio. It is suited to meet various investment objectives.

Benefits of having ASK as your Mutual Fund Advisor

• Client has access to analysis on wide range of mutual funds floated by all AMCs in the market, both on the debt and equity side
• Continuous tracking of mutual fund portfolio performance which helps in weeding out underperforming funds and also spotting opportunities to enter good funds
• Portfolio trigger and alerts generation ensures asset allocation is maintained through periodical rebalancing of portfolio
• Quarterly updates on portfolio and fund performances to keep a check of where your investments stand

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Portfolio Management Service

At ASK Wealth Advisors we offer portfolio management services that create portfolios customized to your unique needs. We offer a wide range of investment strategies for your portfolios, both on the equity as well as the debt side depending on your investment profile.

ASK Edge - Equity
When it comes to investing, individuals and corporations have unique needs based on their own objectives and risk profiles. We recognize this, and manage equity portfolios to achieve specific investment objectives. The ASK EDGE – Equity is a equity portfolio management service offered through our group company ASK Investment Managers

While there are many investment avenues such as fixed deposits, income funds, bonds, it is equities, which typically outperform other investments over a longer period of time.

Investing in the right equities, however, takes expertise and time. It is not as straight forward as putting money in a bank or fixed deposit. Equity values are affected by a host of factors like economic trends, political considerations, interest rates, inflation, etc. We believe equity investing is rewarding, if done right. Proper planning and discipline are needed to achieve this.

Our offering is ideal for High Net Worth individuals, NRIs and Indian Corporates who are interested in:

• Investing in Indian equities
• A personalized investment program
• Long-term wealth creation
• A high level of service

Investment philosophy
ASKIM'S time-tested investment philosophy revolves around two key aspects; Capital preservation and generation of positive, absolute returns. The endeavor at all times is to preserve and then grow your portfolio. The philosophy is characterized by a focused and disciplined approach to long-term investing into undervalued businesses, run by people of integrity, vision and competence.

The goal is not necessarily to outperform a rapidly rising market, but to avoid the troughs in a falling market. The approach ensures that your investments outperform the market with superior positive returns for both the rising and the falling periods combined.

This is achieved by constructing a well-defined, focused portfolio of not more than 20 stocks representing quality businesses enjoying sustainable competitive advantage. While doing so, they adhere to the discipline of buying and selling at well-defined price points, based on the underlying fair value computation.

ASK EDGE – Debt
'ASK EDGE' - Debt is a discretionary debt portfolio management service offered through a leading third party investment manager which provides intermediation services in corporate bonds, non-convertible debentures, Government securities etc. This product provides an opportunity for you to realize a steady income stream, capital appreciation or total return depending on your investment objectives. 'Debt PMS' is suitable for all types of clients: conservative, cautious, balanced, assertive and aggressive.

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Risk Management
“ASK Shield” provides you the means of accessing a comprehensive suite of best-of-breed insurance solutions that exist in the market. The unique advisory provided through “ASK Shield” is cutting edge and customized to your requirements.

• Being neutral advisors we offer you an unbiased approach to insurance planning
• Our robust in-house research, evaluates the product features, pricing and services of multiple insurance providers.
• Our pioneering innovative approach to insurance planning quantifies your insurance requirement, provides a gap analysis on your existing insurance and makes recommendations on future insurance

There are various categories of insurance products available to cover the different types of risks:

• Life Insurance
  It is extremely important to plan for any risks to life and the resultant economic loss to ensure that the lifestyle of your loved ones is not affected.
• General Insurance
  If you want to protect your possessions or anything you value, you should look at General Insurance options.
• Health Insurance
  It is important that you have planned for unforeseen expenses on account of illness or injury and are able to avail of the best possible medical care.
• Business Insurance
  It is more important now than ever to protect your company's financial stability through professional, financial and managerial insurance.

Our services

• Assessing and analyzing your current situation
• Understanding and stating your life goals
• Providing risk management solutions for what is of utmost importance to you

Assistance in claims process

• We pro-actively inform you about reporting requirements
• We have created the infrastructure and relationships to smoothen the documentation, communication and transaction related processes
• A personalized relationship approach
• We are there to facilitate easing of any complexities during the claims process
• However, the claim payout is at the sole discretion of the insurer

The cost to you
Our service is at no additional cost to you. The premiums we quote are the same as those quoted by the insurers.

Who regulates us?
The above services are offered by our group company ASK Insurance Broking & Risk Management Services Limited, which is regulated under the laws of the Insurance Regulatory & Development Authority of India (IRDA).

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Alternate Investments

ASK Wealth Advisors provides advisory on the following alternate investments.

Product Composition
The Structured Products offered by us are based on the Bond+Option model. These are passively managed debt instruments wherein returns are linked to the performance of another asset class viz equities, equity indices, commodities etc.

Comparison with other products
The ability to customize structured products helps in altering the linkage between risk and return to your advantage. Strategies used in structured products are designed as per your specific needs and risk profile.

Rationale for investing in structured products

• Principal protection
• Portfolio diversification
• Passively managed hybrid instrument
• Enhanced returns within an investment
• Reduced volatility (or risk) within an investment
• Alternative to direct investment into an asset class
• Better returns than pure debt instrument investments
• Investment strategy as per your specific view on the asset class
• Instrument can be customized as per your view on the market, tenor, principal protection, return expectation etc
• They can be customized to meet specific investment objectives such as asset class exposure or principal protection
• These products can be used as a strategic investment for risk mitigation or return enhancement or both

Real Estate
Real Estate as an asset class helps you diversify the risk in your portfolio. Historically real estate reflects a negative correlation to equity and other asset classes. Real Estate investments have the potential to provide stable returns even in a highly volatile environment. Your Real Estate Advisor will offer you the best in breed investment services in the following areas:

• Direct Realty Investments
• Pre-Leased Assets
• Realty Funds
• Structured Realty Investment

Art Advisory Services
Investing in Art needs a high degree of sophistication and understanding of the risks involved. With the right strategy these investments can yield superior returns and can be an ideal tool for diversification considering their low correlation with traditional asset classes. At ASK Wealth Advisors we have created a panel of experts who have a sound background of art investments (advisory and dealing). These experts would create an art portfolio by mapping your risk profile to the art works and work closely with our advisory team to evaluate your art holdings in the overall context of your investments across asset classes.

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Wealth Solutions

Succession planning and Trust Services

• Services offered through tie-ups with Leading Law Firms (LLF), via the use of Trusts and Wills
• Offer the whole range of services - structuring of the trust to achieve settlers objectives, initiate registration of trust, opening of bank accounts followed by day to day management of the trust
• Objectives addressed are Investments, Succession Planning, Charitable causes/Philanthropic activities, Education of children, Medical expenses, Marriage, Holiday expenses, foster care, etc.

Tax Advisory Services

• Services offered through tie ups with leading Tax Advisory Service firms (TAS) in relation to the Income-tax Act, 1961
• The endeavor would be to provide a tax compliant and cost effective solution that fits in to your long-term investment strategy
• We aim to proactively provide you inputs on new ideas and initiatives from Indian Tax laws and other regulatory perspective
• This would be based on understanding of your investment strategy involving the use of innovative financial instruments for risk management and tax planning
• We provide you a platform for exchange of views and an interaction with leading tax experts, vet the regulatory and tax implications on your business strategies and views and respond to your specific tax queries on an ongoing basis

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