Services
Our Services
“Good decisions depend not just on a better understanding of what we know, but even more on the clarity of what we don’t know.
Consequently, desirable outcomes are not realized by simply increasing the chances of favourable results, but by ensuring to incorporate the uncertainty of unfavourable ones.”
Here’s our assessment of whether, in the first place, you need a financial advisor at all.
Investment Advice and Wealth Management
A holistic and proactive approach to managing an entire financial plan to achieve life’s goals.
Retirement Planning and Estate Planning
A holistic and proactive approach to managing an entire financial plan to achieve life’s goals.
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
A holistic and proactive approach to managing an entire financial plan to achieve life’s goals.
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
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.
