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 handling includes skills but it also goes deeper to emotions – Below are some common struggles and challenges people face around money: 1. Feeling stupid around money decisions 2. Avoiding numbers, cheque books, Bank account statements, insurance policies, investment 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 …
We are obsessed with comparing ourselves to others. This is pointless behavior, of course. How other people are doing has nothing to do with how you are doing. But it’s what we do. Researchers from Harvard gave participants two options: Read More …
Your Money and You Look Money as a Teacher Money is always teaching you something. It is always revealing who you are and what’s important to you. In every moment, step by step leading your path, to who you will Read More …
Dear investors, Fear is normal but to act on that is a very bad option. In the short term, market returns are based on news and uncertainty about the future. The market cannot be timed successfully and getting out and Read More …
How clear financial goals help you stay away from anxiety, fear and jealousy? Staying in a large apartment complex, in the IT hub of India, Bangalore and being a finance professional, I meet many people from across the country. During 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.