The way we engage with our clients is as below:

A ‘no-strings attached’ and ‘getting to know each other’ introductory first meet with the client. This meet doesn’t obligate any fees on your part.

We usually offer to undertake a basic financial plan for the client which is equivalent to a financial MRI. Any decision with regard to revisiting the existing portfolio or creating a new one rests on this aspect.

Creation of a revised plan is the next stage wherein we analyse the opportunities or associated risks. This is a huge exercise but definitely worth it as the client comes to know whether he’s on the right path.

This is naturally followed by asset allocation that’s best suited to the client’s situation apart from taking care of the universal needs viz safety, post-tax returns and liquidity at the appropriate time.

As we move along we carry out an annual periodical review to assess the emerging opportunities or threats. This helps us to know if anything in the client’s life has changed that requires the change in his portfolio in order to serve him better.

At the end of the day, even if one doesn’t have a plan, every investment decision is backed by a reason. It could be fear, greed, a journalist’s advice, a TV channel’s hot tip, a relative’s recommendation or whatever, but there is no reason more sound than your own comprehensive financial plan to tell you what to invest, where to invest, how much to invest and what period to stay invested for. All this comes with the services of a professionally qualified and well-meaning financial planner-advisor. Consider this, in case of health advice, would you take medicines suggested by your friend or would you rather go to a medical professional? Think about it.