Team Profile

Eminent professors, masters in their craft are our team.

Our Services

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Investment Advice and Wealth Management

A holistic and proactive approach to managing an entire financial plan to achieve life’s goals.

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Retirement Planning and Estate Planning

A holistic and proactive approach to managing an entire financial plan to achieve life’s goals.

childerns-education-fund

Children’s (Overseas) Education Funding

A holistic and proactive approach to managing an entire financial plan to achieve life’s goals.

evaluation-of-insurance-needs

Evaluation of Insurance
Needs

A holistic and proactive approach to managing an entire financial plan to achieve life’s goals.

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Mutual Fund Selection and Evaluation

A holistic and proactive approach to managing an entire financial plan to achieve life’s goals.

Investment Advice and Wealth Management

Almost all investment advisors, portfolio management companies, wealth management setups, Mutual Funds or anybody in the business of fund management, promises a “better” return. As an investor how do you evaluate the best manager for your money? Should it be the one who charges the least, the one who promises the highest return, the one who has the maximum money under management or the one who will take a share of profit as his or her fees?

In our Articles and Resources we explain in detail how genuinely each one of these parameters could reflect a positive and at the same time a negative of the investment advisor.

What we discovered was that while the best fund manager is an expert at understanding specific instruments such as equity, government security, gold, art, etc., it would be counterproductive for such a specialist to focus on each investor’s personal goals, resources and time horizon. However these are the most important parameters for your personal financial success.

An investment may be very successful but for the investor to be successful he needs to have invested the right amount in that investment and at the right time! A successful investment and a successful investor are not one and the same thing. Which is why a personal financial advisor brings tremendous value to planning your investments, choosing the right investment managers and evaluating them correctly.

The key to managing a portfolio of investments is understanding the relation of ‘how the investments are selected’ to ‘what the outcome is likely to be’ in specific situations. For example, investing in a company clearing garbage is not likely to see as many ups and downs compared to an investment in a company making car parts.

Another portfolio of investments in two Companies, one an ice-cream manufacturer and another making sun-tan lotion might see more ups and downs than a portfolio of investments in an ice-cream company and a tea manufacturer. Can you see why?

Because the first portfolio will do well only if there is a good summer, while second will manage some gains irrespective of a good summer (ice-cream sales up) or good winter (tea sales up).

We believe that investment planning can help you create more predictable outcomes for specific future goals that are uniquely yours.

Retirement Planning and Estate Planning

Retirement Planning and Estate Planning

The generation that is currently employed, is going to live a retirement completely different from the kind of retirement earlier generations faced.

For one, expenses are going to be much higher as traveling and pursuit of hobbies in retirement become possible and attractive. Secondly, life spans are increasing, leading to longer in-retirement life. Thirdly, medical expenses are rising dramatically leading to higher potential outflows. And finally, the family structure is changing to one where the elderly would like to be financially independent in their golden years.

Most people like to start creating their retirement fund in their early fifties. But those who start even ten years earlier, increase their wealth creation potential exponentially.

The early birds create their retirement nest with much less effort. This is not just because they have more years to save but also because they can access investments with higher potential return due to their longer time horizon. An important financial advice in investment management is to increase time horizon if you wish to reduce risk.

As your personal financial advisor, we can create a customized plan of action for your retirement irrespective of your age. We can even involve our professional associates and guide you through the process of making a will, setting up trusts and succession & estate planning.

Children’s (Overseas) Education Funding

Ten years ago, it was not very common for students to travel overseas for their masters or doctoral pursuits. Today, increasingly, parents are willing to fund overseas education for their children not only their post-graduation but also under-graduation. That is why Children’s education funding has become an important part of Financial Planning in India.

It is best to plan for your child’s foreign education as early as possible. If you have a time horizon of 10 years, your investment planning will be less strained to create the funds than if you have only 5 years left to go. Your target for investment management needs to account for inflation as well as exchange rates and foreign currency student loans. Our Financial Advice covers all these aspects.

We believe that education is the best place to invest your money. We can help you create resources for that investment in the best possible way.

Evaluation of Insurance Needs

There are many well known Insurance Companies offering a range of insurance solutions. More so, some of these products are customiseable. Are you confused as to which is the best insurance you should buy? Are you concerned regarding the products you already own? Do you want an independent evaluation of your insurance needs?

We are not affiliated or empanelled with any insurance company. We provide independent advice for a fee.

Consumers prefer to take advice from us to avoid biases that may creep into the advice rendered by insurance salesmen and agents. Insurance, and particularly life insurance, can be expensive and complicated. Consequently a wrong decision can also prove to be expensive.

We believe that paying for advice not biased by sales incentives can result in substantial savings for the consumer. More importantly the correct way of deciding how much insurance you need is best answered in the context of your entire financial picture created by Comprehensive Financial planning i.e your investments, your retirement plan, your children’s education, your taxation, etc.

Mutual Fund Selection and Evaluation

The variety of Mutual Fund schemes available for investments has grown substantially in the last five years. If the experience of developed markets is anything to go by, this number and complexity is likely to increase further. Annual rankings of mutual funds in terms of returns often show dramatic changes in ranks, quarter after quarter, year after year.

So how do you really choose a mutual fund? The performance of a mutual fund is affected by many factors, such as investment style of the fund manager, asset class of the mutual fund investment, mandate and style drift, etc. We use time tested tools to research, evaluate and choose good fund managers and then classify them in terms of asset class and style.

These managers are then used to implement your portfolio designed as per your investment planning.

With increasing competition, stringent regulatory requirement and international players, we find that investing through mutual funds works well for most investors – those new to investing as well as veterans.

Neha Savla

Neha Savla

Neha Savla has completed her Postgraduate Diploma in Management from Welingkar, Mumbai. Prior to joining Right Returns, she worked at HDFC Asset Management Company in the operations team.

Neha actively works with clients in addressing goals, objectives and aspirations. She brings an insight of how to accomplish what apparently looks unsolvable as well as an understanding to provide honest inputs to what looks beyond practical. Designing well thought out portfolios and frameworks to lead these portfolios in successfully meeting mutually agreed client goals is her forte. She leads a very competent team and nurtures them to push their and consequently the firm’s boundaries.

Being the mother of a toddler, she enjoys her enchanting rollercoaster ride of parenthood, balancing two universes, one of being a loving parent & the other of being a committed team member.

Devang Shah

Devang Shah

Devang Shah is a Cost Accountant, CFPCM and an MBA from IIM Ahmedabad.

Devang Shah founded Right Returns, one of India’s first Financial Planning practices, in June of 2000. He is a Cost Accountant, a CFPCM (the CM needs to be in superscript i.e. small and slightly higher), and an MBA from IIM Ahmedabad. He has chaired the Global Advisory Council of the FPA, USA. He has served as an advisor to FPSB India as well as been the member of their very first Examination and Certification Committee (FPSB India grants the CFP certification in India). He has also served on the Capital Markets Committee of the Indian Merchants Chamber.

His belief is that unless good quality, genuine financial advice is made available to individuals, money will continue to be a cause of stress instead of freedom for many of us. He doesn’t see the barrage of asset-gathering professionals as the role model for Right Returns. Devang, along with his colleagues, are leading Right Returns with a vision of delivering financial advice, which is beyond money management and is far more crucial than the theoretical return maximising conversations, to our financial wellbeing and prosperity.

Devang believes that the context is at least as important as the content, if not more. Seeing the whole picture is essential to learning the truth. Else we are one of the six blind men with the elephant.

Running, cycling, and meditation are among Devang’s favourite activities.

Rita Jaiswar

Rita Jaiswar

Rita Jaiswar is in charge of troubleshooting and client experience. She is the go-to person for all compliance and execution-related issues in Right Returns. In terms of her education, she passed the CFP exams and has a commerce degree in accounting and finance. With her, she also brought more than nine years of industry expertise when she joined the RR family.

Yuti Jain

Yuti Jain

Yuti Jain is one of our youthful, vivacious colleagues. She has been assigned to assist in product research, writing client communications, and reviewing clients’ portfolios. In addition to graduating with a commerce degree and successfully completing the CFPCM exams, she cleared the XA and XB Investment Advisory certifications of NISM. Before she joined the Right Returns family, she worked as a junior assistant in the on-site audit for Jain and Jain Chartered Accountants and for Equentis Wealth Advisory, which involved direct interaction with retail customers.

While Yuti believes in the phrase “work hard, party harder,” she is also a spiritual person. She is also a sports personality and represented her college in inter-college basketball. In scientific terms, she is the Mitochondria of Right Returns.

Amit Prajapati

Amit Prajapati

Amit Prajapati is responsible for product research and reviewing the client portfolio at Right Returns. He has cleared his CFPCM exams, completed the XA and XB Investment Advisory certifications of NISM. He holds a Post Graduate Diploma in Management from Welingkar Institute and also holds a Post Graduate degree in commerce. After working with Axis he joined the firm in 2019.

Assisting the portfolio design and review team are not only things he is good at; Amit is an amazing guitarist as well. Along with this, he also practices Shabda Yoga. His persistent optimism about life and keen focus make him the man he is.

Jyotsna Dudye

Jyotsna Dudye

Jyotsna Dudye currently holds the position of compliance officer at Right Returns. She started as a fresher and is now responsible for reporting, managing investment information, and also assisting in client coordination. Apart from completing her graduation in accounting and finance, she also holds a master of commerce degree, both from Mumbai University.

Jyotsna is genuinely enthusiastic about her job and highly focused on her career. In addition to that, she enjoys traveling, exploring new places, and spending quality time with her family.

Pooja Bhosale

Pooja Bhosale

Pooja Bhosale deals with execution and operations at Right Returns. She assists with quarterly reporting and data reconciliation. Her academic credentials include an MBA in operations management, a diploma in tax management from the Welingkars Institute, and the successful completion of the CFPCMexams.

Along with these qualifications, she has five years of experience in accounting and finance with Shiva Apparels, 1.5 years with Linc Pen & Plastics Ltd. and as a paraplanner with Fasttrack Financial Planner. There is another side to this finance personality who volunteers to help the underprivileged and for the conservation of nature at NGOs.

Abhijeet Bhatkar

Abhijeet Bhatkar

Abhijeet Bhatkar’s passion for learning and his destiny worked together to make him reach where he is now at Right Returns. He is a perfect example of the saying, “Responsibilities and experience make the man mature, not age.” You will be surprised to know that he joined the firm in 2014 as a staff member with no prior office work experience. Now, he oversees executing transactions, handles client onboarding on MFU, and coordinates clients for transaction-related concerns with ease.

However, the first thing you will notice about him is his genuine smile. Abhijeet is really full of enthusiasm, a family man, and enjoys cooking in his leisure time.

Jyoti Dias

Jyoti Dias

Jyoti Dias has been with Right Returns since its early years. She assists in coordination with different AMCs and also helps in execution with MFU regarding queries. Practically, she can help with issues that impact the smooth functioning of the team. Let us tell you that she has her graduation in arts with a major in history and sociology.

Even after being a person with an arts background, she has now become the go-to person for both clients and her colleagues for any assistance. When she’s not working, Jyoti enjoys interacting with others, and her favourite activity is listening to music.