OUR SUCCESS MANTRA: GOAL BASED INVESTMENT

Most of people lack proper financial education and invest in various asset classes by popular belief and practices without analyzing their impact on their life. The imprudent financial decisions may lead to financial hardship, which can be easily avoided by proper financial planning and investment decisions.

 IT IS NOT IMPORTANT HOW YOU EARN BUT HOW MUCH YOU KEEP AND MULTIPLY DURING YOUR LIFE TIME.

To ensure you meet your financial goals our financial planning managers use top of the line technology, knowledge and processes. Your financial plan is tailor-made to suit your requirements and all our investment advice is backed by in-depth research. We follow under mentioned steps to ensure wealth generation for you adopting the best industry practices:

RISK ASSESMENT

We understand that no two people are alike when it comes to investing. Risk assessment is the foundation upon which investment portfolios are built & provide clear insight on the investment instruments optimal for your requirements.

SET PRACTICAL FINANCIAL GOALS 

Depending on your risk appetite set your financial goals. Understand and draw difference between your needs and wants clearly. Where to invest your hard earned money? How long to invest for? What is the potential of growth? etc. Investing in equity has changed lives. Some have made fortunes while some have lost.

RESEARCH

You would not want to buy anything which is of sub-standard quality, would you? Research is the strongest support for your investments; or should we say “wiser investments”! People often say that investment in equities is nothing less than gambling. They say so because they often come across the term “Lack of knowledge & short term investing behavior”.

The golden rule about investing in equities is “Investing in Equity MF instead of Direct stock investing” and investing for long term horizon. It is necessary to research about the quality MFs that have shown growth in the past and at the same time have potential to deliver with similar consistency for times to come. Invest not only your money but also your time in learning these MFs.

FOCUSED PORTFOLIO

Once you have researched thoroughly and identified quality Mutual Funds scheme, the next step is to invest in appropriate quantity. Avoid investing in too many funds that may scatter your attention. You don’t need more than 3-5 MFs in your portfolio; only a few good names can do the trick. Managing big portfolios is quiet difficult as you practically can’t keep a tab on each MFs in a bigger portfolio. There is a notion that the large number of MFs reduces the risk. However, each MF scheme is itself designed in such a way to reduce risk and induct diversity. So invest in 3-5 quality Mutual funds that keep your portfolio simple to manage and will able to generate long term handsome returns.

LONG TERM

If you are investing in equity, it’s advisable to invest for a longer time. Buy the right Mutual funds and hold them across market cycle. Investing in equities is not only about quality mutual fund picks but also requires patience to see your money grow. Remember the quote by Charlie Munger; ‘Big money is not in buying or selling, it’s in waiting’.

Reconstruction

It may happen that your risk appetite may change or you may face an unforeseen circumstance while you are still invested. At such times you may choose to effectively reconstruct your portfolio so as to benefit from the risk reward equation. Churning your portfolio time to time is not a good recommendation. However, you may opt to reconstruct your portfolio according to your changed risk appetite only if it is necessary.