Goal Planning

Efficient financial planning is a must to achieve one’s short and long term goals. With our advisory and wealth creation experts, every earning can be invested to reap more benefits.

Our goal planner is a resourceful feature that ensures detailed plans for various life events. From education, marriage, managing assets, or retirement, our goal plans analyse and identify each landmark to arrive at an accurate conclusion to realise your goals.

 What areas does Goal Planning cover ?

Goal Planning covers your short, mid, and long-term financial goals. With a Goal Plan set in place, you are financially prepared for major life events like marriage, education, purchasing a new home, and retirement. You can begin a Goal Plan at any stage of life to determine an effective means of meeting your goals. Successfully achieve every life goal with a practical and reliable Goal Plan.

 How to Set a Goal Plan ?

* Establish your financial goals - short, mid, and long term.
* Outline an estimated budget for each goal
* Factor in inflation and interest rates in your calculations
* Set the desired time by when you want your goal to be realized
* Set a monthly amount for saving, to easily track your progress of every goal


(Financial Goal Planner Calculator)

Once these steps are covered, it is important to track the progress of your goals routinely to ensure the investments are still in line with the financial goals. In the case of any changes to the goals or your earnings, a wealth advisor can help you in different ways to reach the goal.

Risk Profiling

 Risk Profiling

The temptation of a great financial reward can lure many investors into high risk investments that may be detrimental. With a risk profile, investors can gauge their ability and capacity to take risks while reaping financial rewards.

 What is Risk Profiling?

Risk profiling covers the ideal investment possibilities for an individual based on their capacity and tolerance to risk while also accommodating for the need of risk for the expected returns.

This is a critical assessment for you as an investor. A Risk Profile assists you in charting a successful plan for achieving your wealth plans

 Types of Risk Profiles

Financial risks are present in your investment portfolio. Your attitude, reaction, and action towards financial risks determine your Risk Profile. Below are common Risk Profiles to help you evaluate the risk profile type you come under:

 Cautious Investor

A cautious investor is one whose sole objective is to minimize risk and protect the capital amount. The kind of investments one looks for here tend to be devoid of market volatility while reaping a steady interest rate. Any risk is deeply calculated and generally taken on a small amount. Here, medium to long term investments are better suited as the capital has enough time to grow and reap benefits.

 Moderate Investor

A moderate investor looks for investments that can grow the capital while also bringing in the benefits of regular income. Here, the risk acceptable tends to be a little higher with the expectation of a higher reward. However, investments subject to huge market swings or those that are very high risk may not be suitable.

 Aggressive Investor

Go big or go home is the sentence that can best characterize the sentiment of an aggressive investor. Here the individual is willing to a high risk on a potentially large gain while also being prepared for the possibility of losing a sizeable amount of capital in case of a volatile shift. The primary aim for an aggressive investor is to substantially raise the capital amount in a certain period of time. Most aggressive investors tend to have more than basic knowledge of the market and play on their understanding of the investment opportunities.

 How to Determine Risk Profile?

Several factors govern your risk profile. It is vital that you identify them in order to make practical decisions for your investments. The factors you need to check for are:

* Your age
* Stage of life
* Responsibilities
* Lifestyle
* Social/economic status
* Personality characteristics towards risks

 Risk Profile-based Investment Portfolios

Based on one’s risk profile, their portfolio can consist of one or a mix of the following:

Equity: This consists of investing in a particular company by purchasing its stocks or shares traded in the market. In addition, one can also invest in equity options like derivatives or futures and options.
Debt: A great investment for the cautious investor, debt investments offer one more financial security and include investing in Term Deposits, Bonds etc.
Gold: This popular metal is a great investment avenue for individuals looking to grow their capital without requiring liquidity in the short term. Investing in Gold is generally a long term play.
Mutual Funds: For a beginner, mutual funds offer great access to investments without worrying about individual companies. Managed by experts, a mutual fund trades in diversified holdings and can be debt, equity or a combination of the two.

Investment Calculators

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