Our Services
Golden Bees Consulting offers a comprehensive suite of wealth management solutions across key categories:
Fixed Income: We provide secure investment options such as bonds and deposits designed to deliver stable returns with lower risk—ideal for conservative investors seeking steady income.
Market-Related Investments: Our expertise includes mutual funds, equities, and ETFs, allowing clients to access growth opportunities in capital markets with tailored risk strategies.
Insurance Solutions: We help protect your family and assets through a range of life, health, and general insurance plans that safeguard your financial future.
We specialize in structured financial planning, including:
Child Planning: Ensuring your child’s education and future needs are met through disciplined, long-term investments.
Retirement Planning: Helping you build a robust retirement corpus with goal-based recommendations and periodic portfolio reviews.
Our approach recommends a customized mix of investments, balancing safety with growth potential to help you achieve life goals and build lasting wealth.
Fixed Income
- Corporate Fixed Deposits
- Secured Non-Convertible Debentures
1.Corporate Fixed Deposits (Corporate FDs)
A Corporate Fixed Deposit is a term deposit offered by companies, non-banking finance companies (NBFCs), and firms to the public, usually at attractive fixed interest rates. These returns are often higher than those offered by traditional bank fixed deposits, making them an appealing option for investors seeking stability and enhanced yield.
Key Features:
- Higher Returns: Corporate FDs typically offer 1-3% more than standard bank FDs.
- Flexible Tenures: Investors can choose durations ranging from a few months to several years to suit their financial goals.
- Regular Income or Compounding: Choose payout options—monthly, quarterly, annually—or opt for compounding interest for a lump sum at maturity.
- Low Risk: Investing in high-rated company FDs provides a blend of safety and reliability.
- Liquidity: Some corporate FDs allow premature withdrawals (with possible penalties) and can be used as collateral for loans.
Who Should Invest?
- Investors seeking higher, fixed returns with minimal risk.
- Senior citizens looking for regular income, often benefiting from higher interest rates.
- Individuals and organizations wanting to diversify beyond traditional bank deposits.
2.Secured Non-Convertible Debentures (Secured NCDs)
A Secured Non-Convertible Debenture (NCD) is a type of debt security issued by companies to raise funds, offering fixed interest payments over a specific tenure. “Secured” means the debenture is backed by the issuer’s assets—so if the company defaults, investors have a claim on these assets.
Key Features:
- Security: Backed by tangible company assets, making them safer compared to unsecured NCDs.
- Stable Returns: Offer pre-defined, fixed interest rates—often higher than other debt instruments like bank FDs.
- Regular Income: Choose how you receive interest—monthly, quarterly, or annually.
- Liquidity: Listed NCDs can be bought or sold on the stock exchange, providing flexibility.
- No Equity Conversion: Unlike convertible debentures, NCDs cannot be converted into company shares—they remain pure debt instruments.
Who Should Invest?
- Investors seeking secure debt options with higher yields.
- Those who want a regular and predictable income.
- Individuals aiming for portfolio diversification with lower risk compared to equities.
Why Choose These Products?
Both Corporate FDs and Secured NCDs offer:
- Better interest rates than typical savings products.
- Security of principal and predictable growth (when choosing AAA-rated or reputed issuers).
- Flexible investment choices suited for a wide range of goals and cash flows.
Unlock greater returns and stability—invest in Corporate Fixed Deposits and Secured NCDs for a smarter financial future!
Stock Market Related Products
Mutual Funds
Mutual funds pool money from multiple investors to invest across diverse financial instruments such as equities, debt, and other securities. They are managed by professional fund managers, making them ideal for investors seeking diversification without the need to select individual stocks.
Key Features:
- Professional Management: Expert managers handle investment decisions and asset allocation.
- Diversification: Invest in a mix of stocks, bonds, and other assets to reduce risk.
- Liquidity: Easy entry and exit at Net Asset Value (NAV) prices.
- Variety: Available in equity, debt, hybrid, sectoral, and index types for different risk appetites.
Who Should Invest?
- Beginners and experienced investors aiming for balanced risk-return.
- Those preferring simplicity, transparency, and regulatory oversight.
Portfolio Management Service (PMS)
PMS provides bespoke investment solutions, where a portfolio manager tailors and actively manages your investments to match your unique goals, risk tolerance, and time horizon. PMS is especially suited for High Net Worth Individuals (HNIs) seeking a personalized investing experience beyond mutual funds.
Key Features:
- Customization: Portfolios are built based on your specific needs and objectives.
- Active Expertise: Professional managers continuously monitor and optimize your portfolio.
- Transparency: Detailed performance reports and regular portfolio reviews.
- Exclusive Access: Opportunities in select stocks or assets not available via regular mutual funds.
Who Should Invest?
- Investors with significant capital (usually ₹50 lakh+ minimum investment).
- Those who desire tailored strategies and hands-on portfolio adjustments.
Unlisted Shares
Unlisted shares represent ownership in companies not listed on public stock exchanges. Investing in these can offer early access to high-growth businesses, including startups and pre-IPO companies, with the potential for substantial returns.
Key Features:
- Early Investment Opportunity: Get in before companies go public.
- High Growth Potential: Benefit from rapid expansion phases or future IPOs.
- Portfolio Diversification: Exposure to alternative instruments beyond traditional stocks and funds.
- Negotiable Investment: Prices and deal terms may be customized.
Who Should Invest?
- Sophisticated investors comfortable with higher risk and longer holding periods.
- Those seeking to diversify with alternative, less-correlated assets.
Why Trust Us for Your Investment Journey?
Whether you’re looking for the steady growth of mutual funds, the tailored strategies of portfolio management, or the bold potential of unlisted shares, our advisory guides you with research-driven insights, regulatory know-how, and end-to-end support for every investment stage.
Looking to accelerate your wealth:
Explore mutual funds, PMS, and unlisted shares with our expert advisors to unlock your investment potential!
Marketing Pitch Image Idea:
A visually compelling image for your website could feature:
- A three-rung ladder: Each rung labeled “Mutual Funds”, “PMS”, and “Unlisted Shares”—with investors ascending, symbolizing progression in investment sophistication and opportunity.
- Visual cues: Diversified graphs, a personalized portfolio document (for PMS), and shining “hidden gem” companies (for unlisted shares).
- Tagline:
“Step Up Your Wealth Journey: From Simplicity to Sophisticated Opportunities!”
You can depict three investment icons (a pie chart for mutual funds, a tailored briefcase for PMS, and a shining, unopened box for unlisted shares) connected by an upward path, showcasing growth, diversification, and exclusive access.
Contact our advisory team to start your customized wealth-building journey today!
Contact our advisory team to start your customized wealth-building journey today!
All Insurance Products
Your Financial Safety Net – Insurance That Lets You Live Worry-Free.
Insurance Products: The Foundation of Financial Security
What Are Insurance Products?
Insurance products are financial tools designed to protect you, your family, and your assets against life’s uncertainties. They include policies like life insurance, health insurance, motor insurance, home insurance, and more. These products work as a safety net, offering financial compensation in case of accidents, illness, loss of property, or untimely death.
Why Are Insurance Products Essential?
- Safety Net for Life’s Uncertainties: Insurance shields your loved ones or your wealth from the risk of sudden financial setbacks—be it medical emergencies, accidents, loss of income, or even untimely demise. It prevents your financial goals from being derailed by unforeseen events.
- Peace of Mind: With adequate coverage, you gain confidence and the ability to focus on long-term aspirations, knowing you’re safeguarded against life’s risks.
- Helps Achieve Financial Goals: Certain insurance plans, such as endowment or unit-linked insurance plans, combine protection with savings and investment, facilitating wealth creation alongside safety.
- Tax Benefits: Premiums paid on specific insurance products, like life and health insurance, can reduce your taxable income as per tax regulations.
- Protection for Loved Ones: In case of your absence, life insurance ensures your family’s financial stability—covering expenses like debts, mortgages, education, and daily needs.
Key Types of Insurance Products
- Life Insurance: Protects your family by providing a payout in the event of your death. Includes term, whole life, endowment, ULIP (Unit Linked Insurance Plan), and more.
- Health Insurance: Covers medical expenses, hospitalizations, and treatments, ensuring quality healthcare without stressing your finances.
- Motor Insurance: Shields your vehicle from losses due to accidents, theft, or third-party liability.
- Property Insurance: Secures your home or business against damages from disasters, theft, or accidents.
- Other Specialized Insurances: Critical illness, personal accident, travel insurance, etc.—cater to specific needs and circumstances.
Why Offer Insurance in Your Financial Advisory?
Offering insurance solutions positions your advisory as a 360° protector of your clients’ financial well-being, not just as an investment guide. Integrating robust protection alongside investments means you help clients build wealth with confidence, knowing their risks are managed.