FAQ

Financial Planing FAQ’s

Common questions on financial planning and investing

Swastik Investments is a trusted financial services firm with over two decades of experience, led by a team of seasoned investment advisors and market experts. Headquartered in Pune, Swastik has steadily expanded its reach, serving clients across India and overseas with integrity, transparency, and personalized care.

Over the years, we have built a strong presence in diverse areas of financial advisory, including Equity & Stock Broking, Mutual Funds, Insurance, Financial Planning & PMS, AIFs, Commodities, IPOs, Private Equity, and Physical Share Dematerialization. Our client-first approach, combined with deep market insights, enables us to deliver solutions that are practical, goal-driven, and tailored to individual needs.

Consider factors such as your investment horizon, risk tolerance, and financial goals. Evaluate the fund’s investment objective, past performance, expense ratio, and fund manager’s track record before making a decision.

SIP allows investors to invest a fixed amount regularly in a mutual fund scheme. It helps in rupee cost averaging and disciplined investing, as investors accumulate units at different NAVs over time, reducing the impact of market volatility.

Mutual funds distribute returns to investors in the form of dividends or capital gains. Dividends are paid out periodically from the fund’s net income, while capital gains arise from the sale of securities held by the fund. Investors can choose to reinvest dividends or receive them in cash.

Term insurance provides coverage for a specific period, while whole life insurance offers coverage for the insured’s entire life with a savings component.

Health insurance covers medical expenses incurred due to illnesses, accidents, hospitalization, surgeries, and other healthcare needs as per the policy terms.

Motor insurance premiums are influenced by factors such as the insured vehicle’s make/model, age, usage, location, and the driver’s age and driving history.

Merger of companies may happen several times in the lifetime of a company. With merger, an investor encounters many tricky issues including change of swap ratio of shares.

If a company changes its name, a shareholder in possession of physical certificates can neither trade nor sell his holdings as long as he is availing fresh shares from the company. A cumbersome process has to be followed.

‘Bonus share’ is a benefit given to existing shareholders by a company in the form of additional shares. We term bonus shares unclaimed when a shareholder does not receive the benefits due to various reasons such as non-delivery, non-transfer of shares. The company transfers unclaimed bonus shares into suspense account if it is not claimed by the rightful holder.

 

Unclaimed dividend is the declared dividend which is not encashed or claimed by a shareholder. The Companies Act, 1956 mandates that dividends not paid or claimed in 30 days are transferred to a separate bank account. Investors can claim the amount from this account anytime in the next 7 years. Subsequently, the amount goes to the Investor Education and Protection Fund, managed by the Ministry of Corporate Affairs.

 

Unclaimed investments are investments in various financial instruments which legal owners have failed to claim over the years. The idle money is usually found in lapsed insurance policies, dormant bank, public provident fund and postal accounts, besides shares, mutual funds, benefits such as unclaimed dividends, bonuses, split shares etc. As the unclaimed money piled up in the system, it has gained serious attention at the highest level in government asking for concrete actions.

 

Your visit or physical presence is not required. Swastik Investments team will coordinate with you or your representative as and when required.

 

Investors still holding shares or mutual funds certificates in physical forms, do face such problems. It becomes more complicated if the investors do not have any record of the lost certificates. However, Swastik Investments has solved many cases of lost certificates with the help of our extensive network and database.

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Reach out to us today if you have any further questions. We are happy to assist with your financial well-being.

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