How Financial Services Shape Investment and Wealth Management

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HOW FINANCIAL SERVICES SHAPE INVESTMENT AND
WEALTH MANAGEMENT
This presentation looks at different facets of
financial services, how they affect investment
decisions, and how they help with managing
wealth.
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UNDERSTANDING FINANCIAL SERVICES
Financial services cover many activities that
help people and businesses manage their money
well. These activities include banking, managing
investments, insurance, and managing wealth.
Recent estimates say that the global financial
services industry is expected to grow to about
33.54 trillion by 2024, which is about 31 of
the world's economy. This industry is not only
important for keeping the economy stable but also
supports other businesses that need loans and
credit to work.
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KEY COMPONENTS OF FINANCIAL SERVICES
Banking Traditional banks offer necessary
services like savings account, current account.
Credit facilities like loans and mortgages. They
act as bridge between savers and borrowers,
mobilizing thefunds in the economy.
Investment Management This involves managing
clients assets in order to accomplish
predetermined financial objectives. Investment
Managersstudy the trends in market and risks
involved, and develop diverse portfolios that
will meet the needs of the customers.
Wealth Management Wealth management services are
provided to high net worth clients, who require
individualized solutions in planning of their
finances, investment options, estate and tax
planning.
Insurance Insurance companies protects clients
from possible losses and risks by providing
protection coverage. This sector plays important
role in the management of risk and financial
planning.
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HOW FINANCIAL SERVICES SHAPE INVESTMENT AND
WEALTH MANAGEMENT?
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1. ACCESS TO CAPITAL MARKETS
Financial institutions offer access to financial
markets through which securities are traded by
the investors. This access allows the people and
companies to variegate their risks by investing
in diverse forms of securities for instance
stocks, bonds, real estate, and other forms of
investments. For example, mutual funds, enable
investors to collaborate and invest in a
variegated portfolio that is managed by experts.
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2. EXPERTISE IN RISK MANAGEMENT
Talking about the assessment of the risk,
investment managers make use of sophisticated
tools to make clients aware of the possible risks
linked with different types of investments. They
use methods like hedging or variegating
investments to reduce risks while trying to get
the best returns. For instance, when markets are
unstable, managers might change portfolios by
moving money to safer options like government
bonds or gold.
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3. PERSONALIZED FINANCIAL PLANNING
Wealth management services create personalized
financial plans that match clients' personal
goals and risk comfort levels. Financial advisors
thoroughly review clients' financial status,
including income, expenses, debts, and future
needs. This comprehensive approach ensures
clients are ready for significant life events
like retirement or paying for education.
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4. TAX OPTIMIZATION
Effective wealth management involves tax planning
to lower taxes and boost income after taxes.
Wealth managers assess clients' tax circumstances
and recommend tax-friendly investments such as
IRAs or 401(k)s in the U.S., which assist with
saving for retirement.
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5. ESTATE PLANNING
Financial services also include wealth planning,
particularly for matters like transferring
wealth. Skilled wealth managers help clients
create wills and trusts to ensure their money
goes to the intended recipients, in a manner that
minimizes high taxes. For instance, establishing
a living trust can save time and money during the
process of transferring assets after a person's
death.
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REAL-WORLD EXAMPLES
Vanguard is most popular for their index funds
that allows the common man to invest in the stock
market at a very low cost. Through their
diversified array of low-cost index funds,
Vanguard has garnered millions of active
investors in search of long-term earnings without
paying exorbitant fee.
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Vanguard Group
BlackRock is one of the biggest AUM companies in
the world that manages money for others, with
over 9 trillion in assets. They use advanced
technology and data analysis to help clients,
from individuals to big organizations, make the
best investment choices. Their Aladdin system
combines risk analysis with portfolio management
tools to improve decision-making.
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BlackRock
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CASE STUDY FIDELITY INVESTMENTS
Fidelity provides complete wealth management
services, including personalized financial
planning and investment advice that matches each
client's goals. They focus on educating clients
and being transparent, so clients can make smart
decisions about their investments.
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THE FUTURE OF FINANCIAL SERVICES
Financial services industry is experiencing
dynamic changes owing to evolution in technology
and emerging market and consumer preferences. The
emergence of new fintech players has led to the
introduction of new technologies, for instance
robo advisors providing services that costs less
than the services of traditional wealth
management companies. Furthermore, the mobile
banking applications provide a convenient means
by which consumers can carry out banking from
their phones. Due to generational change,
adoption of technology and financial literacy,
young people turn to financial products that meet
their individual needs and valuessuch as
sustainable investment emphasizing environmental,
social, and governance aspects.
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LOOKING FOR HELP WITH FINANCIAL SERVICES
ASSIGNMENTS?
Learning about financial services is very
important for finance students because it is the
foundation of today's economies. This includes
understanding banking, investing, insurance, and
new financial technologies. By studying financial
services, students can learn how money moves
around, how risks are managed, and how economic
stability is kept. Knowing these things helps
students prepare for jobs in banking, consulting,
and investing. It also helps in making smart
financial decisions in their work and personal
life.
The financial services concepts can prove to be
challenging for students in comprehending a
number of theories, rules and their applications.
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RECOMMENDED RESOURCES FOR FURTHER LEARNING

• Financial Management Theory Practice by Eugene
  F. Brigham and Michael C. Ehrhardt. This
  comprehensive textbook covers essential concepts
  in finance while providing practical examples
  relevant for both undergraduate and graduate
  students.
• The Intelligent Investor by Benjamin Graham.
  Considered a classic in investment literature,
  this book offers timeless principles on value
  investing and risk management.
• The Psychology of Money by Morgan Housel. This
  book explores the behavioral aspects of finance
  and how personal beliefs about money can impact
  financial decisions.

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CONCLUSION
To sum up, financial services play a key role in
developing investment strategies and managing
wealth. They offer access to capital markets,
help with risk management, provide personalized
financial plans, assist with tax strategies, and
support estate planning. These services help
people manage their money more effectively. As
technology changes the financial world, it's
important for students interested in finance to
keep up with new trends.
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THANK YOU
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