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SMFS is a financial consulting company with the mission to make your future secure. We assure you a hassle-free and pleasant transaction experience. Our focus is to offer integrated solutions for your investment needs. We hope that your quest for knowledge/information about the art/science of investing ends here. Sink in. Knowledge is power. It is common knowledge that money has to be invested wisely. If you are a novice at investing, terms such as stocks, bonds, yield, P/E ratio may sound Greek and Latin. Relax. It takes years to understand the art of investing. You're not alone in the quest to crack the jargon. Investing is not about putting all your money into the "Next Infosys," hoping to make a killing. Investing isn't gambling or speculation; it's about taking reasonable risks to reap steady rewards. Investing is a method of purchasing assets in order to gain profit in the form of reasonably predictable income (dividends, interest, or rentals) and appreciation over the long term. A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life. WE will invest time & effort to guide you to invest smartly. The first step? We ask questions, you ask questions, and together we can determine if our solution to the investment problem meets your needs. To find out if you're ready to be a SMFS client, just fill up the enquiry form and we will call . It's that simple. It is pleasure to introduce SMFS as the largest independent financial advisors in Uttar Pradesh We support your aspirations without conflict or bias. As an independent company not owned by or affiliated with any brokerage or investment group or an Insurance company, our mission is to help individuals optimize portfolio returns with a great sense of security & a legacy of goodwill. We provide one stop solutions for all your financial needs. We believe in total transparency in our dealings. We are the permanent face of the company and hence you will never have the issue of your relationship manager getting transferred or changing his job. The Firm is well equipped to provide scientific updated technology based portfolio advice to all its clients. The need of the day is to give right advice to every segment of population irrespective of whether the investor is high net worth Retail or Institutional clients. The stress is to make concerted efforts in spreading investment awareness in right earnest. Considering the tumultuous and the volatile times that we are living in, the need for valuable and active financial planning and wealth management has never been more important and critical. The goal is to create, grow and preserve wealth. The advisory practice is built on the foundation of trust, integrity and responsibility and hence we are always committed to exceeding the expectations of the clients.

Mutual Funds

What are Mutual Funds ?

The Definition

A mutual fund is nothing more than a collection of stocks and/or bonds. You can think of a mutual fund as a company that brings together a group of people and invests their money in stocks, bonds, and other securities. Each investor owns shares, which represent a portion of the holdings of the fund.

You can make money from a mutual fund in three ways:

1) Income is earned from dividends on stocks and interest on bonds. A fund pays out nearly all of the income it receives over the year to fund owners in the form of a distribution.

2) If the fund sells securities that have increased in price, the fund has a capital gain. Most funds also pass on these gains to investors in a distribution.

3) If fund holdings increase in price but are not sold by the fund manager, the fund's shares increase in price. You can then sell your mutual fund shares for a profit.

Funds will also usually give you a choice either to receive a check for distributions or to reinvest the earnings and get more shares.

Advantages of Mutual Funds

• Professional Management - The primary advantage of funds is the professional management of your money. Investors purchase funds because they do not have the time or the expertise to manage their own portfolios. A mutual fund is a relatively inexpensive way for a small investor to get a full-time manager to make and monitor investments.

• Diversification - By owning shares in a mutual fund instead of owning individual stocks or bonds, your risk is spread out. The idea behind diversification is to invest in a large number of assets so that a loss in any particular investment is minimized by gains in others. In other words, the more stocks and bonds you own, the less any one of them can hurt you (read about Enron scandal). Large mutual funds typically own hundreds of different stocks in many different industries. It wouldn't be possible for an investor to build this kind of a portfolio with a small amount of money.

• Economies of Scale - Because a mutual fund buys and sells large amounts of securities at a time, its transaction costs are lower than what an individual would pay for securities transactions.

• Liquidity - Just like an individual stock, a mutual fund allows you to request that your shares be converted into cash at any time. • Simplicity - Buying a mutual fund is easy! Pretty well any bank has its own line of mutual funds, and the minimum investment is small. Most companies also have automatic purchase plans whereby as little as $100 can be invested on a monthly basis.