www.pfs.money: Products

Product Selection

Selecting the right Financial Product is a very important factor for successful financial planning. Whether it is selection of an Investment product or real estate or a loan, it is very essential for an individual or a company to understand the affects of their product selection.

At Paragonaide Financial Services we have a detailed process of selecting a Financial Product. We are dedicated toward in-depth research and analysis of a product before suggesting the same to our clients.

While selecting a Financial Product we do our Due Diligence under following two broad aspects:-

Fundamental and Technical Study

For Direct Equity, Bonds, CD,
CP Investment

Company Financial Study (Balance Sheet Study, Debt Analysis etc.)
Industrial Study and Impact on investing instrument (Govt. Policies & Regulation, Consumer Demand and Market Analysis etc.)

For Mutual Funds, Private Equity,
Structure Product Investment

Investment Theme and Strategy
Portfolio Quality
Technical Study (AUM, Expense Ratio, Average Maturity, Load Structure etc)
Past Performance
Options Available for Investment (Growth, Dividend, Bonus)

For Real Estate Investment

Demographic and Geographic Studyy
Lease/Rental Valuation
Return on Investment
Govt. & Legislative Formalities
Builder Company Financial and Competency Analysis (Balance Sheet Study, Debt Analysis, Construction Quality, Delivery Record etc.)
Loan Availability and Processing

For Insurance (General & Life Insurance)

Risk Analysis & Mitigation
Insurance Costing
Product Benefits Vs. Client Requirement Analysis
Claim Process

For Loans

Loan Structure (Interest rate, Tenure, Pre Payment etc.)
Interest Cost Vs. Loan Restructuring
EMI Tracking & Cash Flow Management

E.S.G Risk

Micro & Macro economic factors (Inflation, Interest rate etc.)

Govt. &
Political factors

Socio-Cultural
Factors

Geographic &
Demographic Factors

International
Trade Factors

Purchasing a Financial Product can be a tricky situation but it is important to understand how a product can add value to individuals Financial Portfolio. Different products might have different relevance for different clients based on their financial goals and objective.

“Paragonaide Financial Services is dedicated towards in-depth research to ensure that the right product is positioned under a client’s portfolio.”

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Our Range of Products

Investment

Mutual Funds

Bond

Fixed Deposits

Commercial Papers

Equity / IPO

PMS

Private Equity

Structured Products

Real Estate

Residential

Commercial

Industrial

Loans

Home Loan

Loan Against Property

Leas Rental Discounting

Personnel Loan

General Insurance

Health Insurance

Motor Insurance

Personnel Accidental Insurance

Home Insurance

Travel Insurance

All Coprorate Insurance

Life Insurance

Term Insurance

Term with Return of Premium

Pension Plan

Child Plan

ULIP

Guaranteed & Endowment Policy

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List of General Insurance offered by us is given below for your further reference:

INDIVIDUAL

Health Insurance (Individual)
Health Insurance (Family Floater)
Health Insurance (Critical Illness Cover)
Personnel Accidental Insurance
Motor Insurance (4 Wheeler)
Motor Insurance (2 Wheeler)
Motor Insurance (Second Hand 4 Wheeler)
Motor Insurance (Second Hand 2 Wheeler)

Medical Practetionaire
House Insurance (Fire and Natural Calamities)
Theft/Burglary Insurance
Personnel Protection Extended Policy (PPEP)
Travel Insurance
Outstation Student Travel Insurance
Senior Citizen Personnel Travel Insurance

CORORATE

Group Health Insurance
Group Accidental Insurance
Commercial Motor Insurance (4 Wheeler)
Commercial Motor Insurance (2 Wheeler)
Commercial Motor Insurance (Second Hand 4 Wheeler)
Commercial Motor Insurance (Second Hand 2 Wheeler)
Commercial Motor Insurance (3rd Party)
Industrial All Risk Insurance (Fire, Riot, Accident, Terrorism etc)
Industrial Insurance (Boiler and Pressure Plant Insurance, Electronic Equipment Insurance, Machinery Breakdown Insurance, Erection All risk, Machinery Loss of Profits Insurance)
Industrial Insurance (Earthquake and Other Natural Perils)
Industrial Insurance (Contractors all risk policy, Contactors plant and machinery)
Commercial Insurance (Group Travel Insurance)
Commercial Insurance (Corporate Cover)
Marine Insurance (Open Policy By Road, Rail & Air)
Marin Insurance One Time (Road, Rail & Air)

Public Liability Insurance (Public Liability Insurance ,Industrial Risk), (Non- Industrial Risk), Product Liability, Product Liability act only, Workman Compensation Policy, Directors and officers liability insurance, professional indemnity (Doctor & Medical Practetionaire)
Shop Insurance (Fire, Theft, Cash in Transit, Glass Breakage, Damage to neon Sign, Cheque Forgery, Fidelity, Tenants Legal Liability, Employer Liability)
Money Insurance(Loss of money in transit due to robbery, theft or any forties cause)
Credit Insurance (Against selling goods to overseas buyers, outstanding receivable that are within approved credit terms.)
Fidelity Guarantee Insurance Policy (Policy covers loss sustained as a result of act of flood, dishonesty in respect of money or good of the employer committed by the employees in the course of performance of their duties)
Education Institution Package Policy
Student Insurance Policy
Hotel Corporate Insurance
Mall & Multiplex Insurance

OUR PRODUCT & SERVICE DELIVERY PROCESS