We Design Your Financial Destiny


(Precious) Words of Wisdom : "Never spend your money before you have earned it." ~ Thomas Jefferson

Financial Planning


A. Why Financial Planning? 
#  Multiplying desires – newer cars, posh houses, electronic gadgets, foreign holidays etc. 
#  Wide array of investment options. 
#  Longer post-retirement life span. 
#  Increasing complexities of the investment products. 
#  Emphasis on market-linked returns. 
#  Low returns from the assured-returns / capital-guaranteed products.


B. Our Approach to Financial Planning
The investment universe is huge with many options -- Shares, Mutual Funds, Insurance, Post Office Schemes, PPF, KVP, Real Estate, Gold, etc. --  each with a specific return-profile, risk-profile and liquidity-profile. Thus, it is important for an advisor to first understand your detailed financial profile; before he can know what options suit you the most. 

Needless to state that there is no single and simple formula applicable to all. 

Therefore, as a starting point, we need to study your 
  *  Personal Profile 
  *  Investment Objectives 
  *  Time Horizon 
  *  Risk Appetite 
  *  Tax Liability  
  *  Insurance Needs 

Accordingly, we would be able to suggest suitable investment options. We specialize in investing through mutual funds and other financial products. We don't advise on direct equity investing.

We are a fee-based advisory company. We are not associated with/nor agents of any mutual fund, insurance company or any other financial organisation. We do not earn any commission from any company.


C. Financial Planning Questionnaire 
Personal Profile
 - What is your age and educational background
 - Details of your family
 - Details of your professional experience
 - What are your income levels and savings
 - Do you have any liabilities
 - Age you like to retire at and monthly expenses you would be comfortable with then.

Investment Objectives
 - Do you have any specific financial needs
 - How much amount you want to invest
 - Will the investment be regular or one-time investment
 - How long are you likely to remain invested
 - Details of your present investments
 - What asset allocation do you want

Insurance and Tax Planning
 - Do you have any insurance & mediclaim policies
 - Does your employer offer you any policies
 - How much insurance do you feel you require
 - What is your average tax liability
 - How are you presently planning you tax

Risk assessment
 - Are you willing to take risk in equity
 - If yes, what % of your total investment can you consider investing in equity
 - What is your risk appetite. How will it emotionally and financially affect you if your 
    investment depreciated by say 30%.
 - Rate the following on a scale of 1-5 (low to high)
   > How important is capital preservation? ________
   > How important is growth? ________
   > How important is low volatility? ________
   > How important is inflation protection? ________
   > How important is current cash flow? ________

Note :  Financial Planning is a very personalized affair. The above questionnaire is therefore only a representative. Kindly provide additional information, if any, which you think could have bearing on your financial planning.

(Kindly copy the Questionnaire, fill-up and e-mail at contact@wealtharchitects.in)

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