Our Services

Where your money makes more money

We at Harmoney believe that our knowledge combined with our investors trust and involvement will lead to the growth of wealth and make it an exciting experience.

Our expertise, combined with a thorough understanding of the financial markets results in appropriate investment solutions for you.

Wealth Growth Services

We recognize that your dreams, needs, aspirations, concerns and resources are unique. This is reflected in every move we make with and for you. We have a deep appreciation for the value of building a long-term partnership with our clients.

When our ability to manage the rapid level of changes happening in today's financial world is coupled with our unswerving commitment to excellence and integrity it will surely lead to a remarkable outcome of excellence for our clients, our colleagues and our firm.

Portfolio Management Services (PMS)

We believe in finding the right companies, investing at the right price and staying with the company over a long term to create wealth. We invest in companies with decent Return On Equity (ROE) and Return On Capital Employed (ROCE) with a great management team, whilst being available at reasonable valuation, thereby leading to creation of long term wealth.

India Story Strategy

Invest in stocks that will belong to one of the 7 themes:

Growth in rural income
Higher savings and investments in financial instruments
High value consumption growth
Growth in working population
Infrastructure investments
Export led growth
Entrepreneurship stroking new high growth sectors

Prospect Strategy

  • The Fund Manager will invest in Equity with clear buying and selling strategy as per investing principles of the legendary Benjamin Graham philosophy.
  • At any given point of time, investment in stocks will not be more than 75 % and less than 25 %.
  • The strategy will increase/decrease the equity allocation based on PE of the index .
  • The strategy will always have 25 % in fixed deposit or Alternat assets like gold / silver / REITS or INVITS

Genius Strategy

  • Investment will be in securities of quality companies being consistent performers and turnaround stories.
  • The Investment style will be techno fundamental for long term and short term to take advantage of the volatility in the market and other opportunities that may arise from time to time.

Intellect Strategy

  • To generate alpha over index in the long term by investing .
  • Only in mutual funds direct or ETF and manage risk by reducing the exposure to equity at higher PE
  • Aim to manage risks under different market situations
  • To invest in sectorial themes based on the market cycle and generate capital appreciation on investment-based market dynamics.

Synergy Strategy

  • Identify companies (business) that we can understand, with honest and able management with certain degree of competitive advantage.
  • Evaluate the business with conservative assumptions to arrive at approx intrinsic value of the company and try to buy the company at a discount to the intrinsic value and stay with the company for long run.
  • General approach is to identify great companies which goes through temporary problems and buy them at a discount so that once the problem gets resolved value gets created.

Mutual Fund Services

Construct and manage a mutual fund portfolio entirely driven by the client goals and preferences. This would be achieved through dynamic asset allocation between equity, debt, gold, silver, international and other mutual funds products depending upon the objectives of the client and generate capital appreciation on investment based on the client risk profile.

Asset allocation choice based entirely on client's needs and preferences
Optimum mix of different asset classes suited to investor risk profile
Risk assessment through detailed questionnaire
Understanding time horizon and financial objectives
Investments in Equity, Debt, Gold , Silver , International Funds and Commodity

Risk Management

Develop a strategy to manage risk of the client to achive their financial goals by transfering the risk or retention based on risk assessment

Life Insurance

Comprehensive life coverage solutions tailored to your family's protection needs

Health Insurance

Health insurance strategy to protect your wealth and financial well being at the lowest possible cost

Needs Assessment

Professional evaluation to determine optimal insurance coverage

Secure Your House

Protect your roof over head from fire and other perils

Disability Benefit

Protect your family from accidental disability temporary or permanent loss

Cancer & Critical Illness

Protect your hard earned wealth from cancer and critical illness

Our Security Best Practices

Harmoney follows industry best practices, for transferring and storing your data.

Servers secured by intrusion prevention/detection technology

256 Bit SSL encryption security

Bank grade security policies

Ready to Grow Your Wealth?

Let our expert team help you choose the right investment strategy for your financial goals

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