Dear All , From the wisdom of gurus like Nick Murray and through years of experience, I’ve learned that equity investing is often the opposite of what feels like ‘common sense.’ What seems obvious usually turns out to be wrong. Read More …
🌱 A Thought to Reflect On 🌱 “Discipline in saving and investing is boring by design. That’s why it works. The real enemy of wealth is the constant need to be entertained by your money.” — Morgan Housel We often Read More …
Three Paths to Wealth Creation There are three broad paths through which people create wealth: A)Extraordinary Wealth Creators – These are individuals with deep knowledge, strong conviction, and the ability to take concentrated bets. Think of legendary investors like Rakesh Read More …
Financial Life Planning isn’t about being exactly right today — it’s about being less wrong tomorrow. Ask any surgeon: Q1: Do you prepare a plan before every operation? — Yes Q2: Does it always go exactly as planned? — Never Read More …
Money = emotions Here are 5 key emotions ,we often see in financial decisions: * Fear Fear of loss, fear of investing, or taking decisions and risks often keeps us in “safe” zones, but also in scarcity. ✅ Build a Read More …
Does money reveal who you are? Money reveals at least two things about you: 1. Who you are right now 2. What you currently value Money can be an expensive way to discover who we truly are. If you track Read More …
Why Staying Invested Matters! The mentioned quote by Brian Portnoy reminds us that investment decisions driven by emotion rather than logic can often do more harm than good. When we constantly switch or “churn” our investments because of market noise Read More …
Real lifetime returns To generate real-life returns, one must focus on: 1.Process and Planning 2.Asset Allocation 3.Diversification 4.Selection 5.Managing Your Behavior The portfolio composition can Read More …
Many focus too much on investment products—stocks, mutual funds, insurance, gold—without first having a clear plan. But planning should come first. Yes, planning is challenging because it often involves educated guesses. We tend to shape plans by observing others, making Read More …
What is something we all have in abundance, yet it remains one of the scarcest resources in the world? Attention. In today’s world, our attention is constantly being pulled in different directions—checking financial portfolios, tracking the markets, listening to media Read More …
We Listen: Discovery StageThis 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 LivesIf 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 CreationIn 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.