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Author: Kavita Devi

HAPPY DIWALI!

November 1, 2021November 2, 2021 Kavita Devi

May supreme light illuminate your mind, enlighten your heart and strengthen your bond at home and in community 🪔✨

Financial Planning, Life Planning, Money and EmotionsLeave a comment

Self stock buying fallacy (short courses) VS Serious Investing in great companies portfolios (Fund managers vast experience

October 26, 2021 Kavita Devi

1) Stock picking by individuals is highly random with limited analysis. Don’t buy and sell on the basis of past pattern, every high-low has a new story and many factors. 2) Less turbulence , less stomach churn, less anxiety. Great Read More …

Behavioral in investments, Investment planning, Money and Emotions, Types of RisksLeave a comment

Investing vs Speculation

October 7, 2021 Kavita Devi

Presence of intrinsic value ( मूल्यांकन) = Investing ( 🖊️ , 📚 , 🧢 बेचने पर कुछ कीमत मिलती है।) Absence of Intrinsic Value ( Not product/currency to value) = Speculation We invest in below assets due to Intrinsic Value Read More …

Asset Classes, Investment planning, Money and EmotionsLeave a comment

Fear of loss or Fear of running lifelong for money. What will you choose?

September 15, 2021 Kavita Devi

90% of investors do not prefer to invest in stocks or stocks portfolio – “Reason FEAR OF LOSS” Remaining 10% of investors who invest in stocks or invest in beautiful diversified portfolio of stocks via MF for self and family Read More …

Behavioral in investments, Equity/ Equity Mutual Funds, Investment planning, Money and EmotionsLeave a comment

Lifetime Returns of a Family

September 1, 2021September 8, 2021 Kavita Devi

How much important is the selection of schemes and Market timing ? As per the Nick Murray Lifetime Returns of the family comes from – 1) 49.1% – Having a real financial plan of where you are now and where Read More …

Behavioral in investments, Financial Planning, Life Planning, Money and EmotionsLeave a comment

Money – A Natural Force

August 1, 2021August 7, 2021 Kavita Devi

Money is a natural force like water, fire, wind and earth. It depends on us how we make our money habits constructive or destructive. It means that our Money habits of earning, spending and saving should be based on our Read More …

Money and EmotionsLeave a comment

Talking about Money

July 1, 2021July 7, 2021 Kavita Devi

We all know that talking about money is good. But why do we find it difficult talking about it? And why does it tend to have a ‘insecure’ feeling while discussing about money? Maybe because money isn’t the department of Read More …

Behavioral in investments, Life Planning, Money and EmotionsLeave a comment

Why are we stuck in the vicious cycle of Money?

June 1, 2021June 11, 2021 Kavita Devi

We are stuck because we have failed to do planning while Investing (with a Right brain….make every money work for you) as well as spending (with a Left brain……doing things for loved ones, value based spending). And most of the Read More …

Behavioral in investments, Financial Planning, Life Planning, Money and EmotionsLeave a comment

Investment Returns

June 1, 2021June 11, 2021 Kavita Devi

Investing should be with Plan +logic and spending should be with your emotions + values – Major returns of your total Investments come from asset allocation and not from your selection of an individual security within a asset class. Higher Read More …

Investment planning, Money and EmotionsLeave a comment

Things in life will not always run smoothly

April 15, 2021April 7, 2021 Kavita Devi

Sometimes we rise towards heights – and then, all will be seen to reverse themselves and start falling downwards. The great fact to remember is that ultimately the trend is upward forever. Like our life, Equity market also fluctuates, gives surprises Read More …

Asset Classes, Behavioral in investments, Equity/ Equity Mutual Funds, Money and EmotionsLeave a comment

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We Listen: Discovery Stage

This is a part of our first meeting wherein we discover one’s basic lifestyle and future goals, based on which further probable steps to achieve the goals are discussed.

Everyone has their own way to lead their life and thus everyone’s spending and saving pattern is unique. Money spending and saving behaviour of every person is a culmination of their age, upbringing, family background, place, culture, education and surrounding and past experiences.

Our listening process includes a questionnaire, through which we try to understand the following things-

1) Risk appetite – Understanding of one’s financial as well as behavioural aspects

2) Family’s expectations from Money – based on individual’s past experiences.

3) Financial strengths, Opportunities and threats.

No fees would be charged for this meeting.

We Plan: Enriching Lives

If you decide to opt for our financial planning services, we start off with a formal initiation letter to be signed along with collecting basic client data like your Income, Spending, Assets, Savings and Borrowings.

We guide you in finalizing and prioritizing your financial aspirations and prepare a net worth statement accordingly.

We guide you in maintaining Emergency Fund, managing Risk, planning the required amount of Insurance, managing loans and debt, provide planning for Retirement, Investments, Tax and Estate and other suggestions.

Through a financial plan, you get an idea so as to what amount you require to achieve financial freedom and independency so that you do not overly depend on your primary source of income.

One gets an idea about how much to run and where to draw a line and stop.

Finally, through  financial planning we guide you in managing your Money, Risk ,Time and Taxes so that enough wealth may be Generated, Protected and Enjoyed forever..

We Built: Wealth Creation

In this third step –
Our focus is on execution and review of your spending plans.

A plan without action remains just a wish. So, to give meaning to your plan we stand by you to implement it.

After implementation we chart out asset allocation strategy and review that time to time.

We believe Financial planning isn’t a onetime process, it is a lifelong process.

Your only role is to understand your spending requirements clearly and in a disciplinary manner invest your savings and patiently watch them grow.

Our role is to be hand holding with you in your money related queries.

We live in an uncertain world where we go through many changes in our lifestyle and prioritizing our goals is an important aspect of our life.

Therefore, reviewing financial plans is a significant process.

We shall yearly review your financial plans and would service you as and when required.