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 …
As markets fall and fear rises, it’s only human to lose the ability to distinguish between a temporary decline and a permanent loss. “This time is different.” These four words capture what one of the great investors and philanthropists once Read More …
Instead of calling ourselves investors in stock, we could call ourselves owners of the companies. Stocks ❌ Companies ✅ Investors ❌ Owners ✅ Investors in the stock❌ Owners of companies✅ Q. What are stocks ? Seasoned successful companies Q. what Read More …
In most areas of life, lower prices are seen as a good thing, but in investing, they’re often viewed as bad. This is a natural reaction, but acting on it can lead to long-term regret. We tend to feel good Read More …
Emotional Risks in Long-Term Equity Investing In equity investing, your emotional response can be more critical than the market’s actual movements. #1 Emotional Risk Market losses are felt much more deeply than gains. For example, a 30% gain might seem Read More …
Market Timing and Selection 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 control only 10% of long-term real-life returns. 90% includes: 1.Your personal value-based plan 2.Percentage Read More …
The stock market isn’t like weather prediction and does not follow fixed laws….. It’s a collective feeling of all of us and those feelings based on emotions. (logical + illogical) But the constants (basic facts) remained the same over time, Read More …
Retirement Income Planning Most important: Two things Duration & Direction Duration- Retirement income should take care of a person life long. Direction – Our income should continuously rise throughout our lives. True safety is in preservation of purchasing power. Don’t Read More …
What are our Inner resources? Our Skills, Positivity, Honesty, Discipline, Persistence, Good health habits, Care & Dedication… Most important amongst all resources is SACRIFICE (of one’s time & energy) for loved ones Ability to earn income Capacity to save (saying Read More …
Client 🙎🏻♂️vs 🤵🏻Advisor 🔅 Risk 🙎🏻♂️ Client – I can’t handle the risk of losing capital 👩🏻💼 Advisor – Greater risk is erosion of our financial purchasing power. Inflation will turn out our money in to Powder. ___________ 🔅 Safety 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.