9937946881 7260007756 Phone
usfinancialservices.mfp@gmail.com Email

About Us

US Financial Services headed by Mani Shankar and Uddeshya Shankar believed in Your Success is our Achievement that has expertise in financial services with one of its core focus on Mutual Funds. MF Investments help you to manage your portfolio very efficiently.

Proper investment guidance leads best result in future. We at US Financial Services proudly known as investment experts. Most investment in stocks, mutual fund, NFO etc are balanced in such as manner that maximum ROI is achieved for the clients.

 

Investing your money is very necessary in today’s market. Best investment advice can allow you to grow it. This growth allows your money to build, creating wealth over time.

 

US Financial Services is a one-stop solution for all your financial needs where Company's financials matter the most. We focused on our relationship with the clients by giving them personal attention.

 

We are very transparent in all our services which is our strong point to make long-term relationship with our customers. Though using one-size fits all strategies may be the common approach, as fiduciaries we specialize in tailoring plans to fit your current situation while laying a foundation to pursue future growth. From providing forward-thinking investments to estate planning strategies, we strive to help promote your total financial independence.

 

Our Financial Experts

You have questions; we have answers. Our wealth planning provides the means to unify all aspects of your financial life. While providing an overview of the big picture, our team will develop comprehensive strategies that empower you to make educated financial decisions.

Your Financial Goals

At US Financial Services, we specialize in helping our clients gain financial freedom. With industry experience spanning over 4 decades, our team can advise you on a range of objectives, from investment advice and insurance coverage to financial planning and more.

No matter where you are in life—just getting started, investing for the future, or navigating through retirement, our products and services are designed to give you confidence in meeting your financial goals.

PRODUCTS & SERVICES

Personal Planning

  • Brokerage and Advisory

  • Stocks and Securities

  • Rollovers and Transfers

  • Individual Retirement Account (IRAs) and Roth IRAs

  • Annuities and Lifetime Income Strategies

  • Social Security Planning

  • Financial Planning

  • NSDL / PAN Service

  • E-Mudra ( E-Signature Services )

  • College and Education Planning

Business Planning

  • Employee Sponsored Plans

    • 401(k) Plans

    • 403(b) Plans

    • SEP IRAs

    • SIMPLE IRAs

    • Pension Plans

  • Business Succession Planning

    • Identify your business succession goals

    • Retire with an income source

    • Insurance needs such as buy-sell agreements, disability, keyperson

Asset and Risk Management

  • Access to robust investment platform with wide selection of money managers

  • Portfolio construction to align with risk tolerance

Estate Conservation

  • Estate preservation and distribution planning

  • Long-term care plans

  • Life Insurance


 

WEALTH MANAGEMENT

Retirement Planning

Whether you’re in the prime of your career, are just a few years away from leaving the workforce, or are already evaluating an early retirement offer, we can help create an investment plan that works towards your long-term goals. Our professionals offer detailed projections of when you can potentially retire, at what level of income, and what rate of return will be necessary to pursue your retirement goals.

Since our inception, we have helped clients effortlessly transition from the working world into retirement. By looking at the whole picture of your life, we can develop a tailor-made plan of action that evaluates pensions, 401(k) plans, savings, stock options, deferred compensation, and other assets to structure a comprehensive or an income stream throughout your future.

Portfolio Planning

 

Our goal is to constructing and managing client portfolios with a high level of personal service. As a defining feature of our firm, our investment strategies incorporate a rigorous analytical process to assure we understand client priorities and goals. In addition to identifying short and long-term objectives, we will assess your resources and your level of risk tolerance.

We draw upon a broad investment universe to deliver comprehensive investment plans. While providing clients with direct access to top-tier investments, our asset allocation strategies integrate investments into a diversified portfolio that is designed to work towards your long term goals.

Asset allocation does not ensure a profit or protect against a loss.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio.

Diversification does not protect against market risk.

Insurance Planning

Growing your wealth is a priority, but protecting and preserving your assets is equally important. Wherever you are in life’s journey, it’s crucial to understand the ramifications of sudden changes and ensure the continued protection of you and your loved ones. Our LPL Financial Advisors will perform a comprehensive review of your insurance needs that strive to protect against potentially catastrophic risks.

By executing full audits of your existing insurance portfolio, our professionals will help you have the proper coverage and asset protection structures in place. We work closely with insurance specialists to provide an independent and objective evaluation of your risk management program.

Estate Strategies*

At its core, wealth transfer isn’t just about money. In addition to your assets, high net-worth individuals want to pass on their most essential and lasting values to their children, grandchildren, and great-grandchildren. Our focused approach to multi-generational wealth management respects the importance of sustaining your legacy.

Have confidence that your most cherished assets will reach the people and places you hold dear. Our strategic plans help ensure your estate plans address your financial goals well beyond your lifetime. As your LPL Financial Advisors, we will work with you to help address tax advantaged strategies, coordinate your documentation, provide for charitable entities and more. No matter where you are in life, we will be here to understand and harmonize your financial needs for you and your loved ones.


 

OUR MISSION

At US Financial Services, we unite the access and resources of leading institutional firms with the personal attention of a boutique practice. Put another way, we’re Wall Street-forged, but Main Street-focused. Whatever you hope to achieve, our mission is to deliver strategies that empower you to live the life you always imagined. We work as a

team to understand your unique goals and provide answers to your most significant questions:

When can I retire? Do I have enough saved? What is enough? Will my family be okay?
What will my legacy be? Will I have enough money to send my children to college?

Whether you’re in the heart of your career, approaching retirement, or already retired, we can give you the tools to answer those questions.

To maintain our exceptional service, we place a premium on accessibility and make ourselves available to you, your family, and your business at your convenience. Communication is paramount to successful relationships. We understand that personal situations and goals can change overnight, and we strive to provide the assurance that we’ll be here whenever you need us. As your strategic partner, we won’t just counsel you from afar. We’ll walk beside you every step of the way.


 

OUR VALUES

Independence. Integrity. Trust.

Independence is everything. Free from the constraints of outside interests, our firm operates exclusively on your behalf. By emphasizing process before products, our client-driven focus enables us to pursue your goals as if they were our own.

Integrity empowers us to provide truly objective advice and build strategies to pursue your goals. While financial products may come and go, trusted relationships and custom strategies should stay the course. That’s why we create comprehensive and flexible financial strategies that address the needs of today while laying the foundation for tomorrow. We believe your goals, business commitments, and family situation deserve comprehensive strategies that are customized to you and adaptable to change. When your life evolves, so should your strategies.

As a team, we will walk beside you through all stages of life’s journey. Whether celebrating successes or navigating uncertain markets, we will work diligently to help you stay on the path toward financial freedom.

 

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Features

Family Account

Access your family member's Portfolio
with one single login

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Transact Online

Invest Online in Lumpsum or SIP
in mutual fund schemes.

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Save Tax

Check out Tax Savings
and Invest into ELSS Funds

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Reports

View your current market value,
your profits & losses.

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Calculators

Calculate the amount of wealth
required for your goal

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Factsheet

Explore Mutual Fund schemes
and their performance

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Focused Funds

Check out our recommended funds
and invest into them

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Market Views

Get monthly market outlook
from the experts

E-Locker

Upload and save
your important documents.

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Mobile App

Manage your wealth & track your family’s portfolio with one single login. You can easily and quickly invest in Mutual Funds from the app. Explore funds, view their performance and invest. Start an SIP or invest Lumpsum. Check out our recommendation of funds under Focused Funds. Whether you made profits or loss, check out from the reports. Simply Login and setup a 4 digit PIN for subsequent login so that you don’t need to enter your Username & Password every time. Download Now!

Mutual Funds

A Mutual Fund is a trust that pools the savings of a number of investors who share a common financial goal. It is essentially a diversified portfolio of financial instruments - these could be equities, debentures/bonds, or money market instruments. The corpus of the fund is then deployed in investment alternatives that help to meet predefined investment objectives. The income earned through these investments and the capital appreciation realised are shared by its unit holders in proportion to the number of units owned by them. Thus a Mutual Fund is a suitable investment for the common man as it offers an opportunity to invest in a diversified, professionally managed basket of securities at a relatively low cost.

You could make money from a Mutual Fund in three ways:

  • Income is earned from dividends declared by Mutual Fund schemes from time to time

  • If the fund sells securities that have increased in price, the fund has a capital gain. This is reflected in the price of each unit. When investors sell these units at prices higher than their purchase price, they stand to make a gain

  • If fund holdings increase in price but are not sold by the fund manager, the fund's unit price increases. You can then sell your Mutual Fund units for a profit. This is tantamount to a valuation gain

  • What are the different types of Mutual Funds?

Mutual Fund schemes may be classified on the basis of their structure and their investment objective.

  • By structure


Open-ended Funds

  • An Open-ended Fund is one that is available for subscription all through the year. These do not have a fixed maturity. Investors can conveniently buy and sell units at Net Asset Value (NAV) related prices.

  • Close-ended Funds

  • A Close-ended Fund has a stipulated maturity period, which generally ranges from 3 to 15 years. The fund is open for subscription only during a specified period. Investors can invest in the scheme at the time of the new fund offer and thereafter they can buy or sell the units of the scheme on the Stock Exchanges, if they are listed. The market price at the stock exchange could vary from the scheme's NAV on account of demand and supply situation, unit holders' expectations and other market factors.

  • By investment objective Growth Funds

  • The aim of Growth Funds is to provide capital appreciation over the medium to long term. Such schemes normally invest a majority of their corpus in equities. Growth schemes are ideal for investors who have a long-term outlook and are seeking growth over a period of time.

Income Funds

  • The aim of Income Funds is to provide regular and steady income to investors. Such schemes generally invest in fixed income securities such as bonds, corporate debentures and Government securities.

  • Income Funds are ideal for capital stability and regular income. Capital appreciation in such funds may be limited, though risks are typically lower than that in a growth fund.

  • Balanced Funds

  • The aim of Balanced Funds is to provide both growth and regular income. Such schemes periodically distribute a part of their earning and invest both in equities and fixed income securities in the proportion indicated in their offer documents. This proportion affects the risks and the returns associated with the balanced fund - in case equities are allocated a higher proportion, investors would be exposed to risks similar to that of the equity market.

  • Balanced funds with equal allocation to equities and fixed income securities are ideal for investors looking for a combination of income and moderate growth.

  • Money market Funds

  • The aim of Money Market Funds is to provide easy liquidity, preservation of capital and moderate income. These schemes generally invest in safer short-term instruments such as Treasury Bills, Certificates of Deposit, Commercial Paper and Inter-Bank Call Money. Returns on these schemes may fluctuate depending upon the interest rates prevailing in the market.

  • These are ideal for corporate and individual investors as a means to park their surplus funds for short periods.

  • Other equity related schemes


Tax saving schemes

  • These schemes offer tax rebates to the investors under specific provisions of the Indian Income Tax laws, as the Government offers tax incentives for investment in specified avenues.

  • Investments made in Equity Linked Savings Schemes (ELSS) and Pension Schemes are allowed as deduction under Section 88 of the Indian Income Tax Act, 1961.

  • Index schemes

  • Index Funds attempt to replicate the performance of a particular index such as the BSE Sensex or the NSE S&P CNX 50.

  • Sectoral schemes

  • Sectoral Funds are those which invest exclusively in specified sector(s) such as FMCG, Information Technology, Pharmaceuticals, etc. These schemes carry higher risk as compared to general equity schemes as the portfolio is less diversified, ie restricted to specific sector(s) / industry (ies).

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Market Views

Please click here for Monthly Equity & Debt Outlook Presentation – January 2022.

 

Key Events:

  • Nifty (+2.18%) gained 2% in the final week of 2021 after remaining under pressure in December due to incessant FII selling in India.
  • The MPC unanimously voted to keep the repo rate on hold, while maintaining the “accommodative stance” with a 5-1 vote. It reiterated its growth bias in policy as the Omicron variant poses risks for the global outlook.
  • India’s manufacturing PMI hit 10-month high in Nov at 57.6, a jump from 55.9 in October. However, PMI for services dropped moderately to 58.1 in November from a ten-and-a-half-year high of 58.4 in October.
  • GST revenue collected in December was over ? 1.29 lakh crore, 13 per cent higher than the same month last year.
  • Headline CPI print for November came at 4.91%. The surprise was driven by weaker than expected Food & Bev ex Vegetable inflation.
  • The central government’s fiscal deficit as of Nov end was 46.2% of the annual budget. Total receipts at November end were Rs13.78 trn
  • FIIs recorded the longest selling streak in last 10Y (26 days) with them being net sellers to the tune of -$1.7bn in Dec (YTD +$3.8bn) even as DII buying continued +$4.3bn (YTD +$12.7bn), driven by both MFs ($2.5bn) and Insurance (+$1.2bn)

Please click here for Monthly Equity & Debt Outlook Presentation – Dec 2020 

 

Key Events:

 

  • Nifty (+11.4%) rallied sharply in November, as a global risk-on triggered by a Biden victory, positive vaccine developments and dollar weakness (DXY fell by ~2.3% in Nov) led to strong inflows into EM markets
  • FIIs pumped in ~$9.4bn into India equities (highest ever monthly net inflows) partly driven by MSCI rebalance, as >$2bn of passive inflows were expected due to increase in Foreign Ownership Limits in various stocks
  • DIIs on the other hand, continued to remain net sellers including Domestic MFs as equity funds witnessed fourth consecutive month of net outflow in October as redemptions grew 20% vs September
  • Deceleration in real GDP growth moderated to -7.5% y/y in 2Q (vs -23.9% in 1Q). Rebound was led by manufacturing (+0.6% y/y vs -39.3% in 1Q) while subdued govt. spending dragged growth
  • CPI spiked to 7.6% in October, highest print since May’14 while core CPI also rose slightly to 5.8%. While inflationary pressures were broad based, food items led the sharp jump, partly due to unseasonal rains
  • Govt’s latest measures focused on urban consumption, infrastructure and Covid-affected sectors. Moreover, loan guarantee scheme was extended to 26 stressed sectors and healthcare
  • RBI released a pro-growth monetary policy decision. Kept Repo and Reverse Repo rate unchanged

Please click here for Monthly Equity & Debt Outlook Presentation – September 2020.

  

Key Events:

·         1Q FY21 Real GDP growth contracted by 23.9% YoY, weaker than the street estimates. Led by a strict lockdown and labor migration, construction was the worst hit, followed by trade, hotels, transport and communication. 

 

·         MPC took a pause in the rate easing cycle while refraining from giving any specific forecasts on growth & inflation given heightened uncertainty.

 

·         July’s CPI print of 6.9% (v/s 6.2% in June) drastically reduced chances of a rate cut for the rest of this fiscal year. RBI’s recent policy statement had predicted inflation to stay elevated till Sep and see moderation in 2HFY21.

 

·         India’s trade balance turned to a deficit of ~$4.8bn in July are a rare surplus of ~$0.8bn in June, as gold and other imports started to pick-up. Exports in July were down ~10% in July at $23.6bn while imports at $28.4bn.

 

·         India’s fiscal deficit stood at Rs8.2trn at the end of July, at ~103% of the budgeted target for the current fiscal year. Sharp fall in tax receipts coupled with resilient government expenditure led to the high deficit in the period.

 

·         After an erratic July, August witnessed excess rainfall of 26%, highest print since 1901. Rainfall is already at a record in states of Maharashtra, Madhya Pradesh, Gujarat, and Odisha.

 

·         Indian Equities moved slightly higher (Nifty +2.8%) in August.

Equity Outlook:
04/02/2022 18:01:12
Debt Outlook:
04/02/2022 18:00:57
Annual Equity & Debt Outlook 2022 by Mr. Nilesh Shah
15/01/2022 13:33:10
 

Contact Us

Phone

9937946881 7260007756
Email usfinancialservices.mfp@gmail.com
Address: Sudha Trade Centre, Besides SBI Bhagwanpur,
NH-28, Bhagwanpur Chowk, Muzaffarpur,
Bihar - 842001