Wealth Management
Under an investment advisory, we tailor our services according to your needs. At the very inception, we work intensively towards bringing greater certainty to outcomes by aligning your tolerance for risk, your financial aspirations and your investment portfolio. The process follows a consultative approach and is well documented in an investment policy statement. Through a clearly defined asset allocation strategy, we provide you with a thorough follow through of investment guidelines including capital gains, reports and portfolio rebalancing. We personalise every recommendation with clear investment rationale, just how we would do our own!
Financial Planning
Simply put, Financial Planning is ‘planning for the future’. It is preparing oneself and one’s family for future events like their child’s education, retirement, child’s marriage, wealth creation, life security and other life goals.
We believe in a Comprehensive Financial Planning process. We identify goals and gather and review financial data to design and implement a financial plan to help you reach your goals. It is a lifelong process. Once the plan is in place, it needs to be monitored, reviewed and updated to meet dynamic circumstances.
Risk Management
Whether you are investing in your retirement plan or for more immediate financial needs, there are only three things that can keep you from achieving your goals: inflation, taxes, and risk. It is easy to plan for inflation and to reduce taxes, but risk is another matter because it is unpredictable. It can come in many forms, but the result is always the same: loss of money. It might be due to loss of family income from death, disability, illness, legal action, or other circumstances beyond one’s control.
Asset Allocation
As the word suggests, it means distributing your money across various investment avenues or assets so that the poor performance of any one investment does not jeopardize the entire investment plan. As logical as that sounds, it is one of the most difficult nuts to crack in creating a well-balanced portfolio. Asset Allocation is the biproduct of one’s risk profile.
One must include a variety of assets in one’s portfolio, since each asset has its own cycle of ups and downs and therefore, the upside of one cycle compensates for the downside of the other cycle and its corresponding asset class. For ex., if equities are on the upside, gold and real estate are normally lower on the performance radar and vice versa. This is dependent on a variety of reasons of business cycles, inflation, interest rates, oil prices and political situations. There are some factors that are within our control and some outside of it.