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Lucre Financial Services (LFS)

• Origination :- LFS is the recent venture of Parshwa Group started in May

2011. It is an independent Wealth Advisory firm providing wealth

management solutions to everyone. The company offers financial services

of Wealth Advisory and Wealth Management.

• The LFS are framed to meet client's needs through personal consultations.

It helps create a way to help them meet their investment goals based on a

deep understanding of their needs . The LFS follows a unique three-step

process to create a financial plan for clients, conduct a portfolio review and

then to ensure asset allocation being maintained through active portfolio

management (continuous tracking and rebalancing). The financial health

diagnostics include Income Tax ,Insurance, Investment, Retirement, Estate

Planning and Mutual Fund Commensurate with these objectives, there is astrong excellence and clarity to the high ethical standards .

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Investments

• Investment :- Everybody knows what is investment, money

you earn is partly spent and rest is invested for meeting future

goals.

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Investment Instruments

Opportunities

Equities

BSE

NSE

Commodities MCX

NSEL

Currencies

MCX-SX

NSE CDMutual funds

Insurance

FD & Bonds

Debenture

NCD

IPO / FPO

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IPO

• IPO :- IPO is Initial Public Offering where if any company

wants to increase their capital then the company will launch

IPO through which it issue shares in market and they will get

the money which will help them out in expanding their

business.

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Equities BSE & NSE

• John Maynard Keynes said, 'Don't try to figure out what the market is

doing. Figure out a business you understand, and concentrate' .

Investing in stocks is more a science than an art.

• There are certain ground rules which investors must follow to be

successful. Even before you decide to invest in stocks of individualcompanies, it is pertinent to have a proper asset allocation plan, that is,

what portion of your portfolio should be dedicated to equity

Equities

BseNse

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Equities  – BSE & NSE

• Equities In BSE & NSE :- In equities investment can be done

from 500 to 5,00,000…….

• Investment in equities benefit is investor gets dividend or

capital growth of the market.

• Tax benefit , if holding is more then one year i.e. long term

capital gain tax benefit , where profit earned on equity is tax

free .

• Dividend earned from Indian companies is tax free.

• In Equity investment potential of bonus and right issues are

there as per companies future plans.

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NSE Derivatives

Futures

& Options

FUTURES

INDEXFUTURES

STOCKFUTURE

OPTIONS

CALLOPTION

INDEX CALL STOCK CALL

PUTOPTION

INDEX PUT STOCK PUT

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NSE Futures

• NSE Futures :- Futures means contract available for trades in

index and stocks

• In NSE futures lot size available to trade , in lot size number of 

shares decided by exchange.

• In futures investor need to give margin ie some % of 

investment amount decided by exchange.

• Three months contracts are available to trade.

• On every month’s last Thursday expiry of contract done by

holder or exchange by default .

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NSE Options

• NSE Options :-In Nse options there is two segments I.e call and

put.

• Call :- One can buy call when market is going up ie. market is

bullish market , people predict that market will go up on that

basis call option can be bought.

• Put :- One can buy put when market is going down ie market is

bearish market , people predict that market will go down on that

basis put can be bought.

• Call and put prices is decided by open interest.

* Open Interest is the total number of outstanding contracts that

are held by market participants at the end of the day.

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Commodities

COMMODITIES

MCX

BULLIONS

GOLD

SILVER

ETC

METALS

ALUMINIUM

LEAD

TINNICKEL

ENERGY

CRUDEOIL

NATURAL GAS ETC.

NCDEX

AGRI PRODUCTS

SPICS

PULSES

OIL & OIL SEEDS

NON AGRI PRODUCTS

ENERGY

METALS

NSEL

INVESTMENT PRODUCTS

E-GOLD

E-SLIVER ETC.

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Commodities

There are three markets in commodities i.e.

• Mcx – Future & spot market

• Ncdex - Future & spot market

• NSEL – Spot market

• MCX :- In MCX future and spot market various commodities

are trading like Gold, Silver etc.

• In future market you can buy or sell future contract available

for trade.

• In mcx lot size & margin decided by exchange.

• Mainly in mcx bullions and metals are most active trades.

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Commodities Cont.

• NCDEX :- In NCDEX future and spot market various commodities

like agriculture products and non agriculture products are trading

like spices, pulses, oil & oil seeds.

• In future market you can buy or sell future contract available for

trade.

• In Ncdex lot size & margin decided by exchange.

• Mainly in Ncdex agriculture products are most active trades.

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NSEL

• NSEL is a national spot exchange ltd. Where you can buy e-gold, e-silver

etc. commodities• Since large number of investors from all across the country would be

available at NSEL platform, they can realize better price for their product.

• Transparency in transaction and settlement.

• Platform for minimum investment in gold and silver.

•Risk free  – gold and silver kept with demat.

• Any time encashment  – Sell it or take delivery.

• Quality of gold and silver is pure approved by government of India. Inphysical market, they always face the risk of counter party defaults,which will be totally guaranteed on National Spot Exchange platform. Asettlement guarantee fund would be maintained for this purpose.

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Currency

MCX-SX

USDINR EURINR GBPINR JPYINR

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Currency

• Easy to understand and interpret linear derivatives , similar to

equity & commodity future that are already being traded.

• Transparent online platform

• Counter party default risk novation by clearing house

• Enhanced retail participation

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Mutual Funds

• A Mutual Fund is a body corporate registered with the Securities

and Exchange Board of India (SEBI) that pools up the money frominvestors and invests the same on behalf of the investors /unitholders, in equity shares, Government securities, Bonds, Callmoney markets etc., and distributes the profits. In other words, amutual fund allows an investor to indirectly take a position in a

basket of assets.

• Mutual fund is diversifies the risk of investors.

• MF are Balance, income , growth,sector funds etc.

• Above funds are available in open ended and close ended

• An open-ended MF there are no limits on the total size of thecorpus.

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MF Continued

• Close  – ended MF there are total size of the corpus is limited by the size

of the initial offer• systematic investment plan (SIP) offers 2 major benefits to an investor:

1) It avoids lump sum investment at one point of time

2)In a scenario of falling prices, it reduces your overall cost of acquisition

by a process of rupee-cost averaging.

3) At lower prices end up getting more units for the same investment.

• Certain specific Equity Linked Saving Schemes, tax benefits are available

under Section 88 of the IT Act,if it is tax saving fund then 20% is eligible for

rebate.

• If capital gain is earned and invested in specific Mf then capital gain tax isexempted.

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Insurance

• A policy in which an individual or entity receives financial

protection or reimbursement against losses from an insurancecompany.

• Policy holder gets insurance cover and good returns.

• Small investment for futures uncertainty

• Flexibility of one time investment or monthly, quarterly, half 

yearly and yearly.

• In today’s market all types of insurance available Life, Medical,

Car , general insurances.

• We provide insurance service in HDFC and Life Insurance

Corporation of India.

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Bonds

• Infrastructure Bonds:- Investment in bonds gives tax benefit to

the investor.

• Maximum benefit to an investor shall be Rs. 20,000/-- under

section 80CCF.

• The Tax exemption benefit under Sec 80CCF on a sum of Rs.

20,000/- is over and above Rs. 1,00,000/- benefit under section

80C, 80CCC and 80CCD

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Benefit Of Association With LFS

•

Power your faith with LFS when it comes tofinance and earn from our expertise.

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THANKING YOU

Lucre Finvest Consultants Pvt. Ltd.204, Modi Plaza,

Satara Road , Swargate,

Pune –

411 042

Contact :- 020 – 30552000

E-mail :- support@lfservices.co.in 

Business Associate with Pinnacle Trade