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Give your finances the right shades of success. At Fee-Only, Financial Planning is a well oiled process. It starts with determining your risk profile based on psychometric tests, determining your goals, allocating your investments between equity, debt, fixed income and real estate (Asset allocation) risk management, cash management legacy planning and monitoring investments and taxation services.
Our Investment recommendation Process:
Determining the asset allocation : Asset allocation is the most important step in the comprehensive financial planning process. A process backed by thorough research that helps us strike a balance between your resources, goals and risk profile.
Determining specific Investments within the selected asset type: Our proprietary research enables us to recommend the most suitable Investments within the chosen asset class
Execution : We assist in implementing the recommendations in a no commission environment
Monitoring: After selecting your best-suited investments, we monitor the attributes of the product whilst keeping an eye on new products
Rebalancing: we recommend making adjustments based on market changes, changing risk profile and and goal status
Exit: We recommend exiting an investment based on a change in your needs or investment performance.
Uncertainty can put a dampner on things. Our Index based Dynamic Asset Allocation Investment strategy helps you reduce the risks in making investments in the equity Index. We recommend a portfolio that adjusts the balance between equity and debt based on an objectively determined proprietary formula. It provides a scientifically calculated approach to the old principle of “Buy cheap and sell dear”.
Non-Resident Indians can find investing in India to be a minefield if not tackled correctly. With regulatory laws differing for India and foreign markets, two sets of rulebooks can be incredibly frustrating. Especially when a misstep on one could end up in double taxation. We have taken this into account and will help you navigate the different regulatory landscapes making sense of it all and helping you make investments based on your needs.
Some of the services we extend to our NRI clients include:
Consulting on things that NRIs should do when they visit India
Consulting for things to do for Indian residents emigrating overseas
Consulting for things to do for NRIs returning to India for good
End to end remittance services for remitting sales proceeds of Indian assets
filing Income tax returns in India
Interpretation of specific Double Taxation Avoidance agreement from an Indian perspective
Handling of issues relating to inheritance, Will, etc.
Assistance in opening NRE, NRO and FCNR accounts
End to end
Taxation can sometimes act as an annoying stray mark in an otherwise beautiful painting. We are one of the few financial planners in India who can advise on both investments and taxation. We are adept at advising our clients on how to optimize returns, alleviate taxation and avoid double taxation.
We stay informed of all loan products available in the market along with interest rates and offers while advising you on what plan works best for you. Based on your finances, we advise you on fund based or loan based decisions using evidence and projection based data.
While risk can be hard to identify, let alone prepare or manage, risk analysis and management is a great equaliser. We help you identify your risk markers to help you understand what risks you may face, manage it and minimize its impact in order to cover yourself and protect your assets.