Financial Planning
Some people — perhaps you included — may not be as comfortable about being investors as they are about being savers. That may be the case because many people aren't exactly sure where to start or how much money they need to begin. Investing means buying things of value, sometimes called capital assets, because you expect them to :-





Financial planning is about the future — the secure and comfortable future you'd like to provide for yourself and your loved ones. When you plan for that future, you start with your goals, identifying the things you'd like to be able to afford, what they'll cost, and when you'll need the money to pay for them. The next step is creating a strategy for accomplishing those goals. You'll discover that saving and investing are essential to financial planning — and that if you wish, you can find someone with professional experience to help you decide how to make the most of the money you already have.

Whether you are just beginning to build your personal portfolio or are a seasoned investor, adhering to these three tenets is vital.

Investing is a long-term proposition


You cannot regard an approach based on short-term trends or performance as an "investment philosophy." And the risk of price declines in the bond and stock markets is too significant to hazard money that you will need for short-term goals. Therefore, consider as an investment only money that you won't need for a minimum of five years.

Asset allocation and diversification are musts


Although it seems almost counterintuitive, the most important investment decision you'll make is not the specific investments you select, it's your asset allocation—that is, the mix of stocks, bonds, and cash you determine will best help you meet your goals. Being broadly diversified, with exposure to all parts of the stock and bond markets, reduces the amount of risk your portfolio is exposed to.

Emergency planning


Another part of financial planning is anticipating the things that might go wrong and being prepared for them.

You'll want to build an emergency fund with enough money in easily accessible accounts to cover three to six months of living expenses if your income stream is interrupted. Having that money available can help prevent going deeply into debt if you're ill, disabled or out of work. In fact, having this fund in place may take precedence over working to meet your other goals. Emergency planning. Another part of financial planning is anticipating the things that might go wrong and being prepared for them.

You'll want to build an emergency fund with enough money in easily accessible accounts to cover three to six months of living expenses if your income stream is interrupted. Having that money available can help prevent going deeply into debt if you're ill, disabled or out of work. In fact, having this fund in place may take precedence over working to meet your other goals.

Costs matter


When you choose investments that have had consistently low management fees and transaction costs, you can gain a major head start in achieving competitive returns. Index funds in particular, along with tax advantages and built-in diversification within market segments, offer specially low expenses.

We have perfected a four-step advisory procedure, which includes :-



Need Analysis


The first step in determining your financial planning needs is to quantify your goals and objectives. This includes calculating how much money you will need to save before you retire, determining how much insurance you need, evaluating your investments and estate planning needs. Our experts analyze and assess your investment objectives and your comfort level with various asset classes, such as Equity, Debt, Realty etc..

Asset Allocation


Asset allocation is the strategy you use to divide your portfolio among stocks bonds and cash or the mutual funds that invest in those asset classes. Since each asset class carries different levels of risk and reacts differently to changes in the economy, the way you allocate your assets has a major impact on reaching your financial goals.We determine an optimal mix of asset classes to meet your financial goals.

Portfolio Construction


Based on the asset mix, we build a customised, diversified portfolio of investment products.

Ongoing Review


Once implemented, we monitor your portfolio regularly. This allows our advisors to recommend adjustments if required, and these are executed once we receive your go-ahead.