Services
I.Delivery Process
Our objective is to provide you with unbiased view on how you can achieve your financial goals using Mutual Funds. We want to highlight risks in achieving goals and manage them to reach your goals. We also want to ensure once the plan is finalized there is an ability to stick to that plan. We have a detailed process we use while delivering services to our customers.
- Understand Client Unique Situation
- Elicit Life Goals and Financial Goals
- Understand Investment knowledge, need and ability to take Risks
- Discuss any Special Considerations based on Client Profession
- Recommend Mutual Fund Products suited for Client
- Implementation of Mutual Fund Recommendation
II.Client Categories
The following is typical client categories we foresee. There may be other specialist categories as we evolve. Do reach out to us even if your situation is not covered. We will find solutions to your financial goals.
A. Regular Salary Earner
If you are a salary earner and want to save and reach financial goals like buying a car, house or save for retirement. This service is for you. Considering all your goals we try to understand what is the optimal savings rate and Mutual Fund asset allocation that will help you reach your goals.
Detailed Process Steps:
- Build a profile of key Financial Goals
- Understand Risk Appetite
- Safe Savings Rate to achieve goals
- Mutual Fund Asset Allocation to reach goals
- Review and adjust allocation
B. Entrepreneur
If you are a Entrepreneur and want to plan for your financial goals this service is tailor made for you. Considering all your goals we try to understand what is the cash flow, nature of your profession, and hence the right Mutual Fund asset allocation that will help you reach your goals
Detailed Process Steps:
- Build a profile of key Financial Goals
- Understand Cash Flows and frequency
- Understand Risk Appetite
- Special Considerations based on Cash Flows
- Safe Savings Rate to achieve goals
- Mutual Fund Asset Allocation to reach goals
C. Retirement Plan
You are approaching retirement or have just retired. You want to understand how to plan your investments to be able to withdraw from your savings for your entire retirement duration. Considering all your goals we try to understand what is your portfolio, withdrawal needs, and right Mutual Fund asset allocation that will help with your retirement cash flow planning.
Detailed Process Steps:
- Understand Retirement Goals -Regular or Early Retiree
- Understand Risk Appetite and Sequence of Return Risk
- Mutual Fund Products and Asset Allocation
- Understand Safe Withdrawal Rate
- Ongoing Investment and Withdrawal based on Market Conditions
D. Busy Professional
You are busy professional a Doctor, Lawyer or IT Professional. There is sufficient salary and income however are not sure if you are investing correctly and building long term wealth. Considering all your goals we try to understand what is an ideal Mutual Fund asset allocation that will help with your goals and also minimal on maintenance considering your busy schedule
Detailed Process Steps:
- Map Financial Goals
- Understand Risk Appetite
- Low Maintenance Investment Approach
- Mutual Fund Products Tailored to Risk Appetite and Time
- Special Considerations for Professional
E. Estate Transition
If you are a senior citizen or super senior citizen and are contemplating how to transfer wealth and what is ideal investments that will help. Considering all your goals we try to understand what is an ideal Mutual Fund asset allocation that will help with your transition plan and an approach that is low on maintenance for you and with correct nominations and tax efficient.
Detailed Process Steps:
- Map Estate Transition Objective
- Understand Long Term Investment Vehicles suited for transition
- Low Maintenance Investment Approach
- Transition plan and Approach
- Mutual Funds Tailored to Risk Appetite and Time
- Special Considerations for Estate Transition
F. Family Wealth
If You are a Family that need a optimal asset allocation at family level and an ability to spend down in most tax efficient manner- this service is tailor made for you. Considering all your goals we try to understand what is an ideal Mutual Fund asset allocation across your family account that will help with your expenses in a cost effective manner that is low on maintenance and has an in built transition plan.
Detailed Process Steps:
- Map Family Wealth across Asset Classes
- Understand any Inheritance Investment
- Understand Financial Goals to Asset Classes
- Mutual Funds suited for Family including Tax considerations
- Low Maintenance Investment Approach
- Investment Products Tailored to Risk Appetite and Family Wealth
G. Celebrity Investor
If You are a Celebrity and have a high income flows with a concern on how to extend the income to investments that will last for a long time. We will work with you to understand the cash flows and ideal investments to convert your income to a extended period of draw downs to support your life style,
Detailed Process Steps:
- Understand Income Pattern
- Understand Financial Goals to manage via the Net Income
- Investment Risk Appetite and Professional Cash Flow Risk
- Mutual Funds Tailored to unique situation
- Low Maintenance Investment Approach
H. NRI Investor
If you are an NRI and want to build a India portfolio for your needs then this is right service for you. We will map your investment objectives and right products that will work for your residency and tax considerations.
Detailed Process Steps:
- Understand India Investment Goals
- Understand Risk Appetite and fitment of India Portfolio
- Mutual Fund Products and Asset Allocation
- Ongoing Investment Schedule for accumulation
- Withdrawal Schedule based on Goals and Market Conditions
III.Expectations from Client
- As our focus is on long term relationship based on trust and commitment. our focus is to limit the number of clients to ensure the personalised attention to each customer.
- Prudent Investment Management, Careful planning and placing client needs first is our primary focus. As we develop plans that support clients in achieving their financial goals it is important that the clients also are accountable to take action and move forward with plans towards achievement of goals.
- It is our fiduciary responsibility to prioritises your needs over ours and that is our commitment to you and in return we need clients to take actions to implement the plans put in place under our guidance.
- Investment decisions work best if they are held to over long term. So long term engagement and staying focused on the goals and plans are critical. Staying the Course of plan and long term relationship will be key thing we expect from you.
FAQ
Our recommendations will be Mutual Funds be it Equity or Debt. For All Mutual Fund Transactions, we act as intermediaries and help you in investment process All the mutual fund purchases will be made under your name and all the transactions will take place between you and the concerned Asset Management Company(AMC). And all redemption process will directly hit your bank account. All of the purchases and redemptions are verifiable by yourself that they are in your account either bank or with AMCs all through the process. The entire transaction process is very Safe, highly regulated and transparent/visible to you during all steps.
We are AMFI Registered Mutual Fund Distributor (ARN-201029). We earn our income based on commissions on Mutual Fund products distributed. We do not charge anything to the customer.
Our Mutual Fund recommendation process is entirely based on unique Client Needs and based on our outlook of the Product Suitability to meet Client Goals. We stand by our core value is being a Fiduciary that is keep the client priority ahead of ours .
We do not have a specific platform to which we subscribe to. We will use the AMC preferred digital mode of distribution and some consolidators like CAMS or Kfintech. We will go with the least cost and most convenient platform available to use at various points in time.
You will reach out to us via mails and Contact Us. We are a digital first service and interact via Emails and Telephone Calls and Online Investment Platforms available via Mutual Fund and consolidators. This provides us ability to serve geographically diverse clients and also save client and our time and money in travel and other logistics.
Disclaimer
- Mutual Funds are subject to market risks. Individual scheme information documents highlight the extent of risk to Principal. Read the Related documents carefully.
- Past Performance is not guarantee for future Performance.
- Strategies are done after due diligence however it is not a certainty that strategy will yield fruits all the time and achievement of future goals is probabilistic in nature.
- Investors need to be aware that their investment decisions need to be based on their own assessment of their risk appetite.