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Atal Pension Yojana (APY)

Atal Pension Yojana (APY) Atal Pension Yojana is a government initiated pension scheme mainly targeted at unorganised sectors like delivery boys, gardeners, home maids etc. APY is administered by Pension…

Taxation on Mutual Funds – Debt

Taxation on Debt Mutual Fund Debt means loan. When you are investing in a debt mutual fund, you are lending money and earn interest on the money you have lent.…

Taxation on Mutual Funds – Equity

Taxation on Equity Mutual Funds Equity mutual fund invests predominantly in shares of companies. As per SEBI Mutual Fund Regulations, an equity exposure of 65% or more is considered as…

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Savings Ratio is a personal financial services firm. We are unapologetically conservative in our
investment advice. Our focus is on safety, diversification, asset allocation and optimum returns. We
seek to achieve results well described by an old investment saying: “The ultimate objective of good
investment is to obtain above average returns at below average risk.”

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Why Savings Ratio?

For us, the interest of the client comes first and last. In doing so, we deal with our clients on a
platform of ethics. As former associate justice of the US Supreme Court, Potter Stewart stated,
“Ethics is knowing the difference between what you have a right to do and what is right to do.”

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Enable our clients to achieve Financial Freedom.

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"Never depend on a single income, Make investment as the second source"
warren buffet