Products offered by us

Portfolio Management Of Exempted PF Trust In India
EPF is a savings scheme for the employees that they can use after their retirement. This EPF is a contribution collectively made by employee and employer every month.Employees contribute 12% of their basic salary to EPF. However in case of exempted entities, 8.67% from the 12% of the employer’s contribution is managed by EPFO.

But, there are specific entities that are exempted from depositing Provident Fund with the Employee Provident Fund Organization (EPFO), they’re supposed to maintain their EPF portfolio in-house or with a private PF trust by strictly adhering to the rules and regulations of EPFO.
We at LiquidTalk, manage the Employee Provident Fund (EPF) for various entities including the exempted entities. We offer end to end services for EPF including employee data management, provident fund portfolio management, pension services and more.

The tax benefits are just the same, the way they are for any other employee enjoying the EPF benefits. Although there are other benefits that entities with exempted PF trust enjoy.
Benefits To The Employees With Exempted PF Trust
Online Assistance: Employees can easily apply online for loans, withdrawals, and grievance redressal.
Reduced Administration Charges: Unlike regular EPF members who pay 1.1% administration charges, employees of PF exempted entities only pay 0.18% resulting in considerable amount of savings over the time.
24*7 Access: You have the benefit to get all the details about your EPF account online.
High Returns: In terms of regular EPF the return rate is fixed at a specific number. But in case of in-house or private PF trust, EPFO allows to declare a higher interest rate.
Efficient Service: EPFO services aren’t as efficient as an in-house or private PF trust, since the private trust only deals with specific accounts. EPFO services are comparatively slower and subsided.
Withdrawing Money From Exempted PF Trust
The interest on private PF trusts is exempted from tax. Furthermore, if the employee withdraws before a 5 year service period is completed, the employer 's compensation and interest is taxable.
75% of the money can be withdrawn after the completion of 1 month of unemployment and the rest 25% after 2 months of unemployment. In case you switch companies and move from your existing PF exempted entity, there is an option to transfer the balance.

In any case we can help you manage your PF exempted portfolio with absolute ease and transparency.

What Is Government Securities?
Government securities or G-Secs in the world of investment are a tradeable instrument that is acknowledged by the government which helps in raising capital from the market.

Types of Government Securities:
There are majorly two types of G-secs:
Treasury Bills (T-bills)
Long Dated Bonds (Bonds)
These instruments basically are a loan that the government of India borrows from the RBI, you lend money to the government and RBI pays interest for the same until they provide you with the principal amount by the end of the tenure.
T-Bills or Treasury Bills
T-bills have a maturity of less than a year; with three maturity periods of 91, 182 or 364 days. These bills are issued at discounted price at par and at the end of the tenure you will receive the actual value. So what do you exactly get from T-bills? You gain the amount of price difference from these instruments of investments. For instance, if the true value of your treasury bills of 91-days is a 100 which you issued at a discounted price at 90 then at the end of your tenure you will redeem the full 100.

Bonds
Government Bonds have a longer maturity period of more than a year which is why they are also called Long term G-Secs. Long term G-secs are purchased at discount, premium or actual price. In case of bonds you get paid for the interest twice a year. So for instance, you have purchased 500 bonds of 100 at a discounted price of 98 for 5 years. You will receive interest every 6 months for 5 years and at the end of your tenure you will receive the principal amount at actual price and you’d have earned a handsome amount out of your investment, more than T-bills.


How To Invest In G-Secs?
Government securities are the safest instrument and a substantial investment option that yields more benefits than any bank fixed deposits. Only authorised primary dealers are allowed to issue G-secs from the RBI and intermediaries like us are allowed to sell it to retail and corporate clients. Based on the RBI guidelines, the auction or the bidding for government securities in India happen for Treasury bills (Monday & Tuesday) and Bonds (Tuesday to Thursday).
Once successful allotment of government securities is done on your Demat account. If the bonds are issued at a discounted price, you will get the difference in your bank account. All the interests will be credited to your bank account on a regular interval. The interest credited can be monthly, quarterly, semi-annually or yearly.

How To Exit?
G-secs work just like any other equity products. You can very much trade your long term bonds in the secondary market if you wish to exit, but in case of trade bills you will have to wait until the maturity to sell them.

Advantages Of Investing In Government Securities
Risk-Free: India’s safest and risk-free instrument for investment & gives you a guaranteed ROI.
Liquidity: Government securities are liquid instruments that can be sold like any other equity products.
Lock-in Interest Rate: In the case of long term bonds you can enjoy the lock-in interest for a long time; which doesn’t fit right if we speak about bank deposits since it only has a maximum tenure of 10 years.
Avail Loan: One can use bonds as a guarantee to take loans.
No Tax Deducted at Source: The interest paid on a regular interval falls under other incomes because of which one gets the benefit of no TDS.
Diversifies Your Investment Portfolio: Since G-secs are completely risk-free, your portfolio becomes diverse and it balances or rather reduces the burden of risk. Other investment instruments including bank fixed deposits aren’t completely risk free.
Tax-free: You can invest in government securities that are tax free in nature.

Fixed Deposit Schemes In India 2020
Saving money is a very important part of any Indian household, during challenging and crucial times savings can come to your rescue. The post office proposes distinctive fixed deposit schemes in India - small saving schemes for investments.
Which Are The Fixed Deposit Schemes In India?
Senior Citizens Savings Scheme (SCSS)
PPF - Public Provident Fund
Post Office Savings Account
Sukanya Samriddhi Yojna
POTD - Post Office Time Deposit
5-Year NSC VII Issue
KVP - Kisan Vikas Patra
POMIS - Post Office Monthly Income Scheme
RD - Post Office Recurring Deposits
Corporate Fixed Deposits

Advantages Of Fixed Deposits (FDs) In India
Additional income at a regular interval:
Fixed deposits help you earn a fixed interest at a regular interval. It becomes an additional income for anyone who invests in fixed deposits.


Makes saving a habit
Fixed deposit inculcates a habit of long term savings. Your money stays safe and you get a substantial income after the completion of maturity tenure. Fixed deposit becomes a safe home and comes to your rescue in times of crisis.

Guaranteed returns & Risk-free investment
The best part about investing in fixed deposit is that it is risk-free unlike investments in stock & securities. There is no question that will you get the money back or not because there are guaranteed returns at maturity.

Flexibility in terms of interest payout & tenure of the scheme
Fixed deposit schemes in India give you the benefit of flexibility. You can receive interest in a cumulative or non-cumulative/fixed way, just as you like. There also is flexibility in terms of investment tenure based on your goals; can be short term or long term.

Competitive interest rates
In case of a normal savings account, one doesn’t benefit much in terms of interest. For fixed deposit schemes, banks provide competitive interest rates as opposed to normal savings accounts.


Benefitting senior citizens
For anyone above 60, investing in fixed deposits is the right option to go for. Senior citizens get upto 0.65% extra interest and it really helps them in their tough times.

Financial Advisory service by LiquidTalk is the best in the market; our experts, after taking into account all the financial goals of you, the client. Financial Advisory Services will let you create a portfolio most suitable for you, giving you the highest returns possible according to your needs. Our advisory is based on in-depth analysis and research to develop customized financial strategies to meet clients’ financial goals. The financial advisory services that we provide not only encourages you to make investments but also to reassure savings with precise budgeting, and tax savings strategies, so every last penny of your wallet is planned meticulously.

At LiquidTalk, our dedicated team of experts who are highly qualified individuals that are certified to follow various risk assessment procedures that ensure prominent returns on your investments. The advisor and you shall cover topics such as the preferred term of investment, your risk-bearing capacity, what kind of portfolio do you want to build covering, among other topics.

With our advice and expertise, your portfolio is tailor-made to fit your requirement and give the maximum returns that you deserve, even if you have little to no knowledge of investing in assets, we will be there to guide you through it. Contact us TODAY.

In mutual fund investment, a pool of investment from different investors are collected together, and a diversified portfolio is created in order to invest in the finance of investors. Mutual funds in India are getting a more popular source of investment for investors as it carries many benefits with it. Compared to traditional investment options, mutual funds provide more returns. Mutual funds enable even the smallest of investors to create a very diversified portfolio with an investment of as low as ₹ 500 in the mutual funds. Your mutual funds are managed by companies called AMC or an Asset Management Company.
What would make you an investor, gain confidence in mutual funds? For starters, ROI or return on investment on a mutual fund is highest among all the assets. Another reason to invest in mutual funds is that your portfolio or the fund is managed by a fund manager who is well experienced and qualified in the investment industry, which assures that your money is invested in the most appropriate asset class. Along with that, mutual funds are regulated by The Securities and Exchange Board of India (SEBI) is the regulator of the securities and commodity market in India owned by the Government of India, along with AMFI (Association of Mutual Funds in India). This ensures the security and interest of investors, making mutual funds a lucrative investment opportunity.

The fund manager invests in various securities in order to maximize the profit of the investors. The funds have entry and exit load, a fee applicable on entering and exiting the fund. As per SEBI rules, the level of risk in a mutual fund is denoted through colors.
Blue: Your principal is at low risk.
Yellow: Your principal is at medium risk.
Brown: Your principal is at high risk.
You should consider not only the fund’s risk but also the fund manager who will take the fund in his hand and work for the growth of your investment as his judgments and experience along with the in-depth knowledge of the market decide the fate of your precious money. We at LiquidTalk grind consistently to create the optimum diversified portfolio for our clients to earn a return on the investment that you deserve.

Types of Mutual Fund in India

The Securities and Exchange Board of India (SEBI) has classified mutual funds predominantly into three categories:

Equity Funds: A pool is considered equity fund when the investment of the assets is 65% or more in equity and equity-related instruments. The rest of the 0-35% is invested in debt or money market. They are also called as Stock Mutual Funds. There are 11 types of equity funds with the most popular being ELSS – Equity Linked Savings Scheme as ELSS is the only equity fund that qualifies under section 80C of the Income Tax Act for a tax benefit of up to ₹ 1.5 lakh. Equity mutual fund carries more risk quotient with itself; as a result, carries higher returns.

Debt Funds: Low-risk investors are suggested to invest in debt mutual funds as debt funds provide more stable returns compared to other funds. The majority of investment is done in debt instruments and money market. According to SEBI, the debt fund is divided into 16 types.

Hybrid Funds: In a hybrid mutual fund, the funds are appropriately divided into the two debt and equity funds, respectively. Due to hybrid fund risk and return on investment are done aptly. Risk bearing capacity and gains are apportioned pertinently.

Advantages of investing in Mutual Funds
- Flexible investment amounts starting from just ₹ 500.
- High returns on the invested amount.
- The portfolio is highly diversified, ensuring the balance between risk and return.
- Tax benefit on LTCG up to ₹1 Lakh and ₹1.5 Lakhs if invested in ELSS.
- In the case of RGESS, one gets tax exemption as well
- An expert professional manages the portfolio with a nominal fee called Expense ratio ranging between 0.5% to 1.5%, not exceeding 2.5% limit set by SEBI.
- Safe and transparent as governed and intervened by SEBI.
- If opted for an open-ended mutual fund, the investment is highly liquid.

Mutual funds give the perfect risk-return balance amongst different types of investment options available in the market, ensuring the investors have significant benefits. So invest your money with LiquidTalk today.

Corporate bonds are debt security instruments that companies issue to raise finance to cover their small expenditure such as advertising expenditure, salaries, inventory, and such other expenses. Investors earn through trading the bonds in the secondary market or the interest payment done by the corporation in the promised intervals. Typically. Corporate bonds in India yield a higher return to the investor compared to government securities as they are riskier than government securities, and higher the risk, higher the return. They raise money to start new projects and expand their activities.

For corporations, bonds are more beneficial than equity as shareholders don’t lose control or rights over the company to others when they need finance. It is a cheaper option than borrowing from banks as the interest rates are comparatively lower for corporate bonds. For the investors, corporate bonds are for shorter tenure compared to other investment options, which makes corporate bonds perfect if you are looking for an investment that gives returns in a short span of time.

The risk factor of corporate bonds depends on the credit rating of the companies. If the credit rating of the said company is high, such a company’s bond will carry a lower interest rate, as they will be able to raise debt from the market easily. At the same time, a company with a low credit rating will have to provide high-interest rates to attract investors to invest in their company. So, you should create your portfolio after a proper risk assessment of the said portfolio. Invest should be diversified and balanced between risky corporate bonds of high credit-rated companies and low credit-rated companies so you can create balance in your portfolio of risk and return.


If you plan to hold the bonds for more than one year, than you will be taxed long term capital gains u/s 112 Indian Income Tax of flat 20% on the other hand if there is short term capital gain you will be taxed under short term capital gain. Bonds are convertible and non-convertible, where the convertible bonds can be converted into stocks, so when you think stocks will be more profitable than you can convert them into stocks. The Non-convertible bonds can be never be converted into stocks; from the issue date till exit, you’ll not be able to convert it.

LiquidTalk will help you create the best portfolio in India for corporate bonds to maximize the profit while still being in your capacity. Connect with us to get complete knowledge and analysis with appropriate statistics to help you invest in profitable bonds.

To grow rapidly, investors tend to invest in Equity. Equity trading is buying and selling equity shares of a company, and it is traded on the stock market in two categories, primary market, and secondary market. The primary market is where Initial public offering, also known as IPO, are listed by the companies, hence the new securities issued by companies are traded in the primary market, and the secondary market deals with securities that are already issued, and investors can buy and sell the equity there.

You’d have a question how can you trade equity and have exponential returns on your investments? In India, you need to have a Demat account and an equity trading account where the investors can trade equity through a brokerage house, which is a compulsory process to follow in India if you want to do trading activities in the financial market.

Demat account stores your purchased security in a digitalized format or, as the name suggests, in a dematerialized format. Hence you don’t need to have physical certificates like the old-time, and it can be accessible via the internet at your convenience. You can buy and sell shares on the stock market through a trading account. You will get a unique Trading Identification number (id) here.

LiquidTalk provides full support to the clients; we provide constantly updated market analysis and expert opinion to give you proper guidance that helps you the investors make the right decision and maximize the profit. Equity trading can be one of the most profitable financial assets that you can invest in. Still, along with high profitability, it also carries a very high risk, and one must always keep in mind his own risk-bearing capacity before investing.

By investing in equity one can earn profits through long term investment in the shares, and selling it later beating the high inflation, or by intraday transactions, earning short term capital gains, it can benefit an individual in taxability as dividend income on Indian companies is exempted under the Income Tax Act, 1961. According to the new budget (2019-2020), all dividends are taxable in the hands of the investor.
LiquidTalk is the best brokerage firm that will help you with your investment decision with thorough analysis and expert studies.