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Financial Planning
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It is a forward looking document, taking into consideration your needs, goals and requirements based on certain assumptions.
A systematic approach to plan your finances the need-based way. A continuous process driven to reflect the necessary changes at the micro and macro level. If you fail to plan, you plan to fail.
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ESTATE
PLANNING
TAX PLANNING
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HOUSEHOLD
EXPENSES
INCOME
INSURANCE
PREMIUM
EMIS
Risk Management
Identifying the shortfalls in your situation and strategies to work on the same. Going beyond traditional products like life insurance and health plans. Your life style and life cycle stage taken into consideration before arriving at accurate figures of life insurance requirement, not going by generic thumb rules.
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Investment Planning
A feasible strategy to suit your needs & requirements. Bifurcated in the asset allocation suitable to your age, timehorizon & risk-absorbing capacity. Periodic reviews to incorporate necessary changes if the situation so demands.
Constant updates with your portfolio statements to make you feel secured & financially confident.
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Tax Planning
Investments structured in a manner to achieve your long-term goals bifurcated as per asset allocation and risk profile.
With sound advice and time at disposal, tax planning is not an arduous task as it appears to be.
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Retirement Planning
An area often ignored and overlooked. Earmarking a certain % of your earnings towards building up your retirement corpus in your working years. Detailed calculations to enjoy a peaceful & stress-free retirement in your golden years. Taking into consideration inflation pre & post retirement and a defensive strategy adopted in the later years.
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Hence the need for retirement corpus to be built up in your working life
NO
Goals could take the form of overseas vacation, charity, leaving an estate.
INCOME
HOUSEHOLD
EXPENSES
GOALS
Savings during working life need to be capitalized to build up a sound retirement corpus. possible only through prudent financial planning
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Estate Planning
We strive hard our entire life to build an estate without much giving thought to whom we need to pass it on. Even reputed business families were not escaped. You are the one who will decide who will get the property when you will not be there. But is that enough.
Having a will and not updating it after change in mind-set does not hold good.
Update it at regular intervals where ever applicable.
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C O M M O N G O A L S
Dream House
Children Education
Wedding of Children
Wealth Creation
Plan Implementation
The beauty of a plan lies in its implementation. Many a times even though we may believe in the process we delay our funding. If in a liquidity crunch, start building up an emergency reserve first and foremost. If it is due to financial inertia then it is important to wake up and take corrective steps at the right time for fulfillment of goals and not to repent later. Delay in investments not only make it difficult to achieve our goals but also result in an increased outflow to make up for the shortfall. A plan not implemented is just a simple plain document losing its essence in black and white.
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10,315 4,750
K.Gandhi
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Expert Advice on
Equity,Commodity,Financial Planning,Tax Planning,Risk &Asset Management, Portfolio Management service,Insurance,Investment,Mutual Funds, Fixed Deposits etc etc
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