The main goal of any financial plan is to attain financial independence. There are numerous investment schemes available in the market such as shares, commodities, and mutual funds, among others. One of the most attractive financial vehicles is a Unit Linked Insurance Plan [ULIP].

Image Source – ULIP

Understanding ULIPs

As the name suggests, ULIPs are market-linked products that offer dual benefit of insurance as well as investment. Such plans offer a high degree of flexibility as you may choose to invest in equity or debt funds as per your risk appetite. Due to this dual benefit and a high degree of flexibility, ULIPs have become a popular investment option among the masses.

ULIPs: a good choice for financial planning, investing, and future savings

The first step in planning your finances is identifying the various modes of investments and choosing the one best-suited to your needs. You may consider investing in a ULIP due to the numerous benefits it has to offer. Following are six ways a ULIP helps in attaining financial independence.

  1. Facilitates long-term investment

ULIP is a very common investment option for long-term savings. It helps you build a sizeable corpus over a period of time, thus helping you achieve your financial goals in the long run. As most ULIPs come with a five-year lock-in period, you get the benefit of an accumulated amount. You may use this corpus to fulfill your goals and dreams such as buying a new house, purchasing a new vehicle, or starting your own business venture, among others. You may also use the amount to protect your child’s future, secure capital for critical milestones such as marriage, or plan for your golden years.

  1. Provides life cover

ULIPs are offered by life insurance companies. Such plans provide life cover in case of an unfortunate event. Though ULIPs do not offer a very high level of coverage as compare to term life insurance plans, it serves the purpose of securing the future of your loved ones in your absence.

  1. Fulfills risk appetite

ULIPs offer investors an opportunity to invest in any asset class as per their choice. You may choose to invest in equity, debt, or money market instruments. In case you have a low appetite for risk, consider investing in debt funds. You may invest proportionately in debt funds as equity funds if you are a moderate-risk player. Invest in equity funds if your risk appetite is high.

  1. Offers flexibility to switch

In case you wish to change from one asset class to another, or wish to modify the proportion of funds, you may do so easily. This helps you control your losses in case the market fails to perform. Besides, you may also enjoy wealth appreciation if the market exhibits a good performance.

  1. Offers comprehensive cover

Most insurance providers offer riders with ULIPs. Such riders, also known as add-ons, enhance the coverage. You may opt for riders such as accidental death benefit rider or permanent disability benefit rider, based on your individual needs.

  1. Provides tax benefits

The good news is that you may avail of tax benefits on the premiums paid towards your ULIPs. Such deduction is allowed under Section 80C of the Income Tax Act, 1961, up to a limit of INR 1.5 lakh. You may, therefore, enjoy such benefits and lower your taxable income limit to a great extent. It is important to note that in order to avail of tax benefits, the premium amount must not exceed 10 percent of the sum assured.

ULIPs offer a plethora of benefits. You may, therefore, consider diversifying your portfolio by investing in such a financial instrument. It is imperative to understand what is a ULIP plan, what are its features, and what are its advantages before making an investment. By doing so, you may plan, invest, and save for your future successfully.

Many investors in the stock market are not aware of the implications of the tax on their investment. Buying and selling of shares as well as dealing in derivatives have an impact on the income of the investor and the same should be reflected on their Income Tax Return [ITR].

Image Source – Taxes

It is mandatory for investors to file an annual return of income and their income statement should include all the gains and losses from investment in derivatives. One of the most popular forms of derivative is Futures & Options [F&Os]. It is basically a contract to buy at a future date.

Investors tend to get confused when they have more than one type of stock market investments. It is important to maintain records of transactions in order to ensure that they are appropriately reported. To gain tax benefits by carrying forward the losses or setting off the losses, it is essential to file an annual return of the income. F&O income is considered as a non-speculative income and hence income from it will be considered as a normal business income and any loss incurred will be considered as a normal business loss.

How to report the income

Investment in the stock market can be made through a demat account. Income generated from dealing with F&Os is always considered as a business income. The advantage of doing so is that it will allow taxpayers to claim the expenses incurred in the business as a deduction. These expenses may include telephone bills, the commission of a broker, Internet charges, salary of employees, and any other expenses that are directly related to the business. Business owners are required to file ITR-4 in order to report their income or loss from the business.

When reporting the income under capital gains, the short-term gain will be taxed as per the regular income tax slabs. The expenditure will not be deemed to be deductible and the short-term capital loss will be adjusted against the capital gain acquired through other sources. The losses can be set off against rental income, interest income, and any capital gains generated in the financial year. The losses cannot be adjusted against salary income. Besides, the loss can also be carried forward for eight consecutive years.

In case of intraday trade, the transaction will be considered as speculative. This loss can be carried forward for four years only. Any loss in intraday trade can only be adjusted against the gain in speculative business. Additionally, intraday and F&O will have separate expenses and they can be bifurcated accordingly. It is advisable to report the losses since it will bring down the total taxable income.

Investors need to understand how to file income tax and the implication of each transaction on the business and file the return correctly.

Bookkeeping and audit

In case the turnover of the business exceeds INR 1 crore, it is mandatory to get the accounts audited by an auditor. A penalty of minimum 0.5% of turnover is imposed, in case the accounts are not audited. It may be extended up to a maximum of INR 1.5 lakh. The business owner will be required to maintain necessary records of all transactions. In order to avail of the benefit of expenses as a deduction, it is essential to maintain complete records for individuals whose income exceeds INR 2.5 lakh per annum or annual turnover of the business exceeds INR 10 lakh.

Thorough understanding and knowledge of tax implications will help investors prepare their financial statement and report the same. It is important to comprehend the regulations before beginning your investments.

Risks are an unavoidable part of life. One can reduce risk, pass it on to someone else, or accept it. Nonetheless, one can never fully eliminate the risk attached to any event in life.

Image Source – Mutual Funds

This could not be less true for investments. Every investment has a risk-return trade off—higher the risk, greater is the potential for returns. Mutual funds are considered to be less risky than direct equity investing but with the potential to deliver better returns when compared to fixed-income securities.

Equity-Linked Savings Scheme [ELSS] is a popular type of mutual fund because it is amongst the most dynamic tax-saving investments available in the market today. It is one of the few investment products that offer tax benefits and has the potential to deliver high returns. These funds are equity-oriented schemes that invest primarily in equity and related securities. Equity markets, as we all know, are subject to price fluctuations. Since ELSS funds mainly invest in equity, their performance is also influenced by the volatility of equity markets.

Why should investors not panic ?

Some investors buy ELSS funds and expect the fund to start earning returns immediately. What they fail to grasp, however, is that when there is a market, there will be ups and downs. Panic is often the first reaction of investors when there are fluctuations in the Net Asset Value [NAV] of their chosen fund. The NAV of a fund changes daily due to market movements. Investors need to remember that short-term fluctuations are not necessarily indicators of a long-term trend.

Professional fund managers who have vast experience in investment management manage ELSS plans. Fund managers constantly adjust the portfolio composition by reviewing the performance of the equity stocks within the portfolio. While investors can keep a watchful eye on the performance of the fund, they should not jump at the first sign of trouble, and let professionals deal with it.

ELSS funds are long-term investments

Many investors buy ELSS funds simply because they are excellent to reduce their tax liability, which is undoubtedly one of their greatest features. However, such funds are also very powerful when treated as long-term investments. Remaining invested in ELSS plans for a 10- to 12-year period is likely to bring phenomenal returns. One simply needs to take a step back and look at the bigger picture. Long-term investors are able to cut through the noise of short-term volatility and keep a strong focus on the long-term benefits. Therefore, there is much more to ELSS than being the best tax-saving investment.

The power of compounding

When the returns earn further returns, the power of compounding is unleashed. In relation to ELSS funds, the compounding effect may yield astounding returns on one’s investment. The returns generated by ELSS investments are reinvested into the scheme. As a result, the investor has the opportunity of earning higher profits. The compounding effect, especially in the case of equity-related investments is a highly profitable technique to maximise returns.

Equity is the best performing asset in today’s market

Equity as an asset class outperformed all other types of investment products in 2017. Fixed Deposit [FD] rates and real estate prices were impacted by demonetization. Real estate further suffered because of the establishment of the Real Estate Regulation Authority [RERA], the Benami Property Act, and the introduction of Goods and Services Tax [GST]. Gold also gave a disappointing performance during the last year.

Equity investors, on the other hand, have been able to earn healthy returns on their investment. This goes to show the fundamental strength of ELSS as an investment. ELSS funds allow investors to invest in equity indirectly and at the same time, cushions the investment from the poor performance of a single stock or sector by investing in multiple securities. Professional management eliminates the hassle of tracking the performance of different stocks.

Every rise has a fall and the same goes for investments. ELSS investors may get on the path to earning stellar returns if they can patiently ride out the short-term headwinds of volatility. Making investment decisions on their own may be a nerve-wracking experience for most investors. However, it does not have to be that way.

Angel Wealth is with you at every step of your investment.  The ARQ tool in the Angel Wealth mobile application is an all-in-one investment engine that gives the best mutual fund recommendations as per your portfolio. Powered by machine learning and cognitive technology, the proprietary ARQ investment engine processes over a billion data points to provide recommendations personalized to your risk profiles.

Download the Angel Wealth mobile app today on Android and iOS platforms!

The year 2018 is nigh! And like every year, it is time to draw up your new year resolutions. Whether or not you say it out loud, the one wish you have is to be in a better financial shape. How about you make a resolution towards a better financial health then ?

Image Source – Financial Planning

Here are a few steps to ensure your financial health is in order.

Take stock of your financial health

The first step is to review your financial health. One barometer of your financial health is your CIBIL score. This is a three-digit score [between 300 and 900] assigned to you on the basis of your credit repayment track record. This is applicable to all lines of credit such as loans and credit cards. If you repay your debt on time, you are likely to have a good CIBIL score. If your CIBIL score is 750 and above, you can rest easy, else scan your CIBIL report to see where you can improve.

The next thing you need to do is put a financial plan in place. It can help meet your life targets. So, this new year, outline a financial plan that can help you fulfil your long-term goals.

Are you adequately insured ?

The first step of financial planning is to ensure your loved ones are financially secure in your absence. This is why opting for a life insurance is ideal.

The most ignored aspect of insurance is health insurance, especially when one is healthy and young. Considering the fast lives that we lead today and the skyrocketing costs of hospitalisation, health insurance should not merely be an option. In fact, the younger you are, the cheaper your health insurance policy will be. This is the best time to get a health cover.

Build an emergency fund

The  next step should be to build an emergency fund. Life is such that it can throw a curveball at you at any time. You may fall prey to a health condition or lose your job. At such times, repaying your debt or even meeting regular expenses may become an uphill task. To avoid falling prey to such situations, it is prudent to build an emergency fund that can take care of all such expenses and debt repayments for at least nine months.

Do not worry about building it all at once. You can start by putting away at least 10% of your monthly income. Instead of saving, you can invest it in a liquid or a debt mutual fund through a Systematic Investment Plan [SIP]. Liquid or debt funds are ideal because they can provide inflation-adjusted returns at low risk.

Consider long-term goals

The most crucial step is investment planning. It is important to build a kitty large enough to finance your child’s education, wedding and even your retirement. The good news is that you do not need to go from pillar to post looking for appropriate instruments to fulfil each financial goal.  Mutual funds, especially equity oriented ones, can step in to meet your long-term goals. These funds have the potential to yield high returns in the long run.

It is not only about their performance. There are several other advantages of investing in equity mutual funds. You can reap the benefits of professional fund management for one. You do not need to worry about your own level of expertise in stock picking. You can trust fund managers to meet your investment objective. Secondly, equity mutual funds are liquid. This means you can redeem units of the scheme at any time, unless you have invested in an ELSS scheme where your funds are locked in for a minimum of 3 years. Thirdly, you get the benefit of diversification when you invest in equity-based funds. You can own a diversified portfolio rather than buying a single stock and risking losses.

Investing in equity-based mutual funds is advisable through the Systematic Investment Plan [SIP] route. SIPs allow you to invest in mutual funds for as less as Rs 500 every month. They also you also reap the benefits of compounding.

Compounding means that the returns generated from your investments are reinvested in your principal. The longer you remain invested through SIPs, the more you stand to gain. Therefore, investing in equity mutual funds through SIPs can be best to meet your long-term financial goals.

To sum up, improving your financial health is not difficult. All you need is a little discipline. So, here’s to your better financial health in the new year!

Innovative products sell the most and the best essentially because they provide better value for money. The same applies to financial instruments as well. Financial instruments are expected to multiply the money better and thus must be innovative.

Image Source – Investments

With the declining interest rates on savings account deposits, banks came up with a more productive and flexible product known as the money multiplier or the sweep-in fixed deposit. It combines the features of a Fixed Deposit [FD] and Bank Account.

Profitability in flexibility

With a sweep-in FD account, you do not have to worry about maintaining the minimum balance in your account and at the same time, you do not have to be concerned that your funds are not earning enough.

Although the functioning of this money multiplier account varies from one bank to another, the underlying principle is the same. The minimum balance amount is retained in your account and the surplus is converted to an FD.

As and when required, the FD automatically is discontinued and transferred to the regular account to maintain the stipulated balance and meet the debited amount on the account.

This allows you to earn higher interest on the surplus amount in your bank account, through the flexible FD without having to spend time on making and breaking the FD.

Here are five things to pay attention to while selecting this facility.

  1. Tenure of the FD

Different banks have different tenure options available for the auto swipe-in facility and they could charge premature withdrawal penalty. Ideally, the tenure is a year and not all banks charge the premature withdrawal penalty. Different banks have different tenures so do check the same before opening the account.

  1. Threshold limit

Some institutions may levy certain threshold limit while others may allow you to choose the same. A lower limit is beneficial as it enables you to earn higher returns on your savings.

  1. Interest rates

Most banks offer the same interest rate on such facilities as available on regular deposits. However, regular FDs offer marginally higher interest rates to senior citizens but the swipe in FDs may not provide this benefit. Thus, keep this in mind, when opening such an account for your senior citizen parents/relatives or in case if you are one.

  1. FD size

Generally, the surplus amount is divided into smaller ticket sizes and then converted into FDs so that you do no lose in case of premature withdrawal. The lower the multiple the higher are your earnings.

  1. Withdrawals mechanism

Evidently, the interest earned by the FD is going to be proportionate to the tenure it was with the bank and thus, you must opt for Last in First out (LIFO) method of withdrawal. This will allow you to earn better returns. However, if you make frequent withdrawals choosing the First in First Out [FIFO] mechanism is advisable.

The interest earned on the sweep-in FD is taxable as per your tax slab. This facility is beneficial to earn slightly better returns than a regular saving account. However, to meet long-term goals, it is advisable to choose other investment options that provide inflation-beating returns.

Transacting has come a long way from bartering an item for another to buying everything on credit. Credit used to be a luxury that was provided by vendors, only to customers that had a long history of buying from them.

Image Source – Credit Cards

However, with the evolution of the banks, the availability of credit has expanded, from being provided to select customers by the vendors to customers being backed by banks for all their purchases from all vendors.

This facility provided by the banks is offered through credit cards. A bank provides this facility to almost all its customers with different spending limits, depending on their accounts’ balances and longevity of the relationship with the bank.

Evolution of the credit card

The first token to allow someone to buy stuff on credit was issued in 1947, known as Charg-It, and was accepted at multiple stores in specific areas of Brooklyn. It was a status symbol to have owned this card.

The idea gained momentum particularly with the traveling salespersons going for the Diners Club cards in 1949. It allowed them to travel without having to carry cash for food, fuel, and hotel stays. They were able to use this card only at network outlets though.

Looking at the phenomenal response that Diners Club cards got, banks as well started issuing such charge cards. In 1950 American Express charge cards were launched. Learning from their experiences and expanding aggressively, the charge cards are changing the way we transact, the world over.

The global expansion

In order to push the use of charge cards, the Bank of America mailed a plastic charge card to all its customers in Fresno, CA with a credit limit of USD 500 each. A lot of these were stolen and/or misused, thus creating huge losses for the bank. The experiment came to be known as the ‘Fresno Drop’ and was not a complete failure though. It was a learning that highlighted the security issue and propelled the evolution of the cards with higher security.

The present-day chip and credit card pin is the most secure and accepted mode of payment.

The Indian market

Up until the last decade, carrying out cashless transactions was a luxury, enjoyed only by a select few who were educated enough to understand how it worked and owned cards. The use of plastic money has been consistently on the rise during the last decade; however, it got a boost post the demonetization rolled out by the ruling government in 2016.

The cards are increasingly used for most online transactions. Additionally, people swipe their cards to pay for fuel, groceries, and other daily items. Several institutions offer special rewards points program for increased usage. The Indian population has come a long way from the barter system to the plastic money especially with the government promoting digitalization in the country.

The card culture has penetrated urban India but still has a room for expansion. Rural India is a vast untapped market that is still reluctant to switch to plastic money. Don’t have a card? Apply for one today and enjoy the freedom from paying in cash.

There is a very famous saying when it comes to investing – ‘Never put all your eggs in the same basket,‘ which in simple terms means that you need to have a diversified investment portfolio. Higher the risk, higher are the chances of yielding better returns, but as an investor, you need to formulate the entire plan based on various factors like age, assets, liabilities, existing investments, risk appetite, etc.

Image Source – Savings

We are always on the lookout for investments that would give the maximum ROI [either in the short-term or long-term], but in some cases, you need to park aside the factor of ‘short-term gains’ and opt for an investment plan that can safeguard your near & dear ones when you are not around. There are pure play ‘Term Insurance Plans’ that provide insurance for a certain period of years, and the payout is done only if the policy holder is no more. However, what if there existed a plan that is an amalgamation of the two worlds – Term Insurance and Wealth Creation?

When we talk about investments, we cannot rule out the role that ‘technology’ is playing in every aspect of the spectrum – financial planning, tax saving, insurance, etc. Renowned financial institutions are now leveraging the power of AI, machine learning, deep learning, etc. in order to serve the digitally savvy investors who now seek to manage their money in a digital world. Rising internet and smartphone penetration, push for Digital India, rise of Fintech are some of the factors that contribute to the growth of the overall financial sector. Financial companies are becoming more agile to meet the changing needs of digitally savvy young investors by rolling out products to that particular market segment!

We had earlier hinted about a product that is an ideal fit from investment as well as insurance point of view. Edelweiss Tokio Life has come up with an #Unyakeenable Unit Linked Insurance Plan [ULIP] called the Wealth Plus Plan. Whether it is about securing your child’s future or saving for long term, Wealth Plus has the answers. So, let’s delve deeper into features of Wealth Plus, its benefits, etc.

Wealth Plus – High Level Features

Wealth Plus from Edelweiss Tokio Life is a market-linked insurance plan aimed at digitally-savvy customers. It is an industry-first product that is aimed at wealth creation and has no premium allocation & policy administration charges. The only assurance that the company needs from its customers is:

  1. Paying the premium on time, and
  2. Staying invested.

As a percentage of Annualized Premium, there is additional premium allocated on every premium paid and that increases over a period of five years. Additional 1% allocation is added with every premium installment in the first 5 policy years.

Another useful feature of the Wealth Plus is the ‘Premium Booster’. Premium Booster is added at the end of each year starting from the 6th Policy year till the end of the Premium paying term.

The reason why the company advises it’s investors to stay invested for a long term is that over a 20-year premium paying term, 80% of the one-year premium is reinvested via additional allocation. This means that a major portion of your premium is being paid via the interest earned on the earlier premiums paid by you.

Wealth Plus – Investment Strategies Suited to Your Requirements

Investing in any fund becomes less beneficial if there are stringent terms associated with the fund. However, in case of Wealth Plus, the investment terms are very flexible, and the policy holder is free to invest the premium in any of the available funds based on his/her risk appetite. This is termed as the ‘Self-Managed‘ option. The funds available are below:

  1. Equity Large Cap Fund
  2. Equity Top 250 Fund
  3. Equity Mid Cap Fund
  4. Managed Fund
  5. Bond Fund

The policy holder has the option to seamlessly switch between funds based on his/her choice. Also, your future premiums would be redirected to the newly chosen fund. Even if you are a passive investor in the equity market or just have knowledge about investing in the equity market, you can maximize the benefits of the Wealth Plus by switching between funds since it covers small cap, mid cap, and bond funds which have a different risk to returns ratio.

Just imagine that you are 40 years old and would remain invested for the next 20 years. Also, nothing wrong happens to the policy holder during the tenure. In such circumstances, as the age of the life insured increases and the remaining policy term reduces, Life Stage & Duration Based’ strategy ensures that the sum invested is moved from riskier funds to safer funds over a due course of the time. As you are approaching 60 years, you can plan a graceful retirement since you have reaped benefits from the sum that you invested for the past 20 years 🙂

Under the Life Stage & Duration based investment strategy, the fund value is divided between the following:

Wealth Plus – Rising Star Benefit

If you are a parent, your child becomes your top priority. You ensure that your child is always happy and (s)he is given the best education so that (s)he can fulfil his/her dreams. Life is uncertain, and hence, it is left up to the parents to ensure that the child’s life is not adversely impacted when you are not around. Wealth Plus caters to these customers where the policy holder can avail the ‘Rising Star Benefit‘, where on the untimely death of the policy holder [the parent/grandparent], following benefits are paid:

  • Lump sum amount [based on age of policy holder] becomes payable immediately
  • Sum of all the future premiums are credited to the Fund Value
  • All future premiums waived off
  • Additional allocation will be added to the Fund Value as and when due
  • Maturity Benefit becomes payable on maturity

There would be a lingering question – What happens if nothing happens to the Policyholder? In such circumstances, on Maturity, you get the Fund Value. In case the Life Assured dies before the policyholder, the nominee would get either the Fund Value or Higher of the sum assured [whichever is higher].

For more information, click here

Wealth Plus – Closing Thoughts

Let us create a hypothetical scenario – You are around 30 years old and you pay an annualized premium of 1 Lakh. The sum assured is Rs. 10 Lakhs, investment strategy is Self-Managed and Payment mode is Annual. The premium paying term and Policy term is 20 years. With this input, on maturity you would make around Rs. 41.41 Lakhs. This number indicates that Wealth Plus is a ULIP that you can opt for both insurance as well as investment purpose.

Disclaimer: Information provided in the article is based on my research and I do not have any holding in it.

Technical development has modified how you execute trades on the stock markets. Several institutions offer online trading platforms with excellent features that make trading quick, easy, and simple.

Image Source – Stock Trading

One such platform is offered by brokerage firm, Kotak Securities and is known as KEAT Pro X. It is loaded with multiple chart types and allows quick trades. It is a terminal-based trading platform known for its speed and performance. Here are seven beneficial features of this share market software.

Fast and seamless experience

KEAT is among the highest speed trading platforms that are currently available. It enables you to avail of real-time updates and reports, which allows you to make accurate trading decisions based on the changing market conditions.

Customization as per user’s needs

A unique and very beneficial feature of this share market software is the customization feature. It allows you to develop your own personalized view of the stock exchange. Therefore, you are able to see the information as you want. Furthermore, you are able to create multiple watch lists with up to fifty shares in each of these. Another beneficial feature of this trading platform offered by a reliable share market broker is that the watch lists may be set into different tabs.

Small application size

Compared to other share brokers’ online trading platforms, KEAT is amongst the smallest in terms of its size. This ensures you do not require too much memory and bandwidth to trade using this platform. It is fast and agile, which are important features during the peak trading hours of the stock markets.

Live share prices updates

You are able to watch the market performance using real-time free share quotes from different stock exchanges. In addition to the prices, you are able to avail of information about market lot sizes, top active shares, top losers and gainers, option calculator, and index updates.

Portfolio tracking

This share broker’s online trading platform enables you to have complete control over your portfolio. You are able to track the performance of your entire portfolio comprising various holdings. This allows you to determine your profits and losses and make accurate decisions. Furthermore, this share market software allows you to view order confirmations and trades. You may trade long contracts and sell from your current stock holdings. The risk report section gives you information about limits and positions on different tabs to have better control of your portfolio.

Stock recommendations

The brokerage firm employs a team of experienced and trained research professionals and analysts. They constantly analyze and monitor the stock markets to provide detailed research reports. The research team also offers stock recommendations based on analyst calls. You may maximize your trading benefits through such recommendations.

Charting tools

This share market broker’s trading platform gives you the option of using several types of charting tools such as Candlestick and Area. It enables you to study and analyze the different trading patterns to make the right investment decisions. Charts are an important component of technical analysis, which is highly useful when you invest in the stock markets. Furthermore, you may create graphs and charts to track and analyze past and future performance of your favorite shares.

Benefits of KEAT

The following are some benefits you enjoy while using this brokerage firm’s software:

  • When you open an online trading account, this platform is available for free
  • You may select indices or sectors and business groups
  • It allows you to create personal watch lists based on predefined lists
  • The platform allows you to easily sell from your existing holdings
  • You are easily able to view the changing profit and loss position to make investment decisions
  • It is compatible with different operating systems, which includes Windows, Linux, and Mac
  • This trading platform runs on various devices like Android, Java, iOS, Symbian, and Bada
  • It uses high-end security encryption to safeguard your confidential information. The share market broker has encrypted the software with 128 bit SSL along with two-step authentication to ensure your information is never stolen or misused
  • The platform is completely integrated, which means all modifications are accurately reflected across different devices such as laptop, mobile handsets, and tablets

KEAT is a complete integrated platform, which means you may trade in different stock exchanges like National Stock Exchange [NSE] and Bombay Stock Exchange [BSE]. Furthermore, you may trade across different investment products such as equities, derivatives, and currencies. You may also create multiple watch lists comprising one or more of these various investment products.

Downloading this software is very simple and easy and may be done through the share broker’s website. Once the download is completed, you may follow the installation instructions and start using it to trade and earn profits in stock markets.