INVESTMENT PLANNING

We take into account the total income from various sources of your family. We project this income by assuming a growth rate of your income (based on your past experience). Then we take into account the total expenses of your family and project the same with assumed rate of inflation and the growth rate of increased spending due to lifestyle changes.

Like this, we project your income and expenses till your retirement and arrive at the available surplus to save year after year. Then we will find out the possibility of achieving your financial goals (like child higher education, wedding, buying a home, car, international vacation and retirement) with the projected savings. If it is possible then we proceed for the final financial plan construction.

If it is not possible to achieve all your goals with the projected savings, we will come out with the alternative suggestions like retiring later, postponing some of your goals, having a better increment rate for your income, reducing the goal values and so on. Based on the chosen alternative, we will construct the final plan.

INVESTMENT ADVISORY

Financial security tomorrow requires that you make profitable investment decisions today. But fewer than one in five of us fell we have the knowledge to make those decisions.

Our investment advisory package will show you how to invest like a veteran. We will give you the suggestion on where your money should be invested with reference to whether you are looking to make money now or over the long term.

Though this package is not a comprehensive and complete in nature, it works for certain type of investors. Also investors can come via this package first, and then they will upgrade themselves to the other comprehensive packages after having a look at our services and solutions.

RETIREMENT PLANNING

Financial security is the essence of a happy retired life. Planning for a content retired life in it requires careful planning.

Planning for retirement itself a life-long process.

When we get our first salary, our focus will be on two things. First, we focus on our career and secondly we focus on our family. In between these two things, we ignore the importance of planning for our retirement. Because we think it is too early to plan for retirement.

If you are one of them, then remember, “It is never too early or too late to plan for retirement.”

WHAT IS RETIREMENT PLANNING?

Generally, retirement planning is planning your finances to achieve your financial goals after you stop working. It is a final part of your financial life. It will help you to live your desired lifestyle when you retire. It helps you to achieve your financial independence. Retirement planning process include analysing your financial goals and objectives, your age, risk appetite, inflation, estimated expenses, life span, etc., Your retirement planning should ensure a stress-free retired life. That is why it is better to entrust this onerous task to a professional in retirement planning who is none other than a Financial Planner for Retirement.

WHY DO YOU NEED RETIREMENT PLANNING?

You need to plan for your retirement to meet your unplanned/unexpected situations. Such as,

• If your estimated life expectancy is longer than you have planned
• To meet your unexpected medical expenses and other emergency expenses
• If you have to retire earlier than you planned
• If you have to depend on your children after your retirement
• If your savings cannot beat inflation If you have duties to fulfil for your family after your retirement

WHY RETIREMENT PLANNING IS IMPORTANT?

Just imagine,

• What if you have sudden health issues which require constant care and make you retire early?
• What if you lose your job due to unexpected situations? For instance, thousands of employees lost their job due to corona crisis. What if you are one of them?
• What if someone from your family needs your support? And what if you need to give up your job and retire early to take care of them?
• What if you have an accident and affect you in carrying out the regular duties you will be forced to retire.What if you have an occupational burnout that causes serious threat and forces you to retire?
• Are you prepared to meet all these problems?

Having a holistic retirement plan can help you to prepare to manage all these crucial situations and will give you a clear idea of
• What lies ahead in your post-retirement financial life?
• What you should do in pre-retirement? And
• How can you live your post-retirement life FREE from ANY financial stress?