Asset Allocation

Arhaum Enterprises(Indian Wealth Management) can help you meet your short term & long-term financial and retirement goals.
Arhaum Enterprises(Indian Wealth Management) can help you align your investments with your retirement goals and maintain a balanced portfolio as your financial goals and risk tolerance change over time. Careful asset allocation requires research, investment analysis and planning.

Asset allocation is essentially an investment strategy to stabilize risks and returns by choosing investment instruments according to your financial goals, risk tolerance and time horizon. Asset classes have different levels of risk and return variability. Each asset class may perform differently over time. Successful asset allocation requires finding the proper mix of assets to balance reward with an acceptable level of risk.

Asset allocation is critical for long-term investing and various life stage planning as it can help absorb the impact of market fluctuations and balance your tolerance for risk.

  • Absorb the impact of market fluctuations — Proper Asset Allocation can help ride out the ups and downs of long-term market performance. No single asset class will out-perform another consistently and no single asset allocation strategy may be right for everyone. Some investments may be up while others may be down, helping to minimize the overall potential impact of market decline and enable you to reach your retirement goals smoothly.
  • Balance your risk tolerance — High yield assets typically experience high volatility. These assets must be balanced by investments with lower rates of return to protect against large scale decline in value.

Arhaum Enterprises(Indian Wealth Management) can help you balance your appetite for risk with your timeframes and various life stage goals. This requires assessing, adjusting and tracking your investments regularly.

  • Assess your portfolio — Arhaum Enterprises(Indian Wealth Management) follows a scientific process which  helps you to assess your portfolio allocation regularly, to make sure it matches your risk tolerance, time horizon and various life stage goals and needs.
  • Adjust your allocation — Arhaum Enterprises(Indian Wealth Management) reviews your overall portfolio regularly to adjust your asset allocation mix and re-align it to your various life stages goals based on your risk tolerance and investment horizon.
  • Track your investments — Arhaum Enterprises(Indian Wealth Management) helps you to revisit your asset allocation regularly to make sure your investments are aligned with your various life stage goals, since your investment timeframes and risk tolerance may change over time.

A 3-6 monthly financial check-up to make sure your investments are aligned with your risk tolerance and long-term life stages goals is usually recommended. However, you need to review your portfolio when you anticipate a major life-event. At the same time, Arhaum Enterprises(Indian Wealth Management) shall be glad to review your portfolio and its performance on your request anytime.

Once the Investor Profiling is arrived at, the next step is to create broad-based investment strategies to suit the investor risk tolerance and his / her investment horizon. At Arhaum Enterprises(Indian Wealth Management), we have developed a comprehensive yet simple asset allocation model. The asset allocation model is based on risk tolerance levels and asset class level constraints recommended by Arhaum Enterprises(Indian Wealth Management) or nominated channel partner. The model combines the risk tolerance appetite of clients along with their investment horizon and also considers the impact of the investor’s economic environment on his investments.

Asset Allocation is done in two stages:

  • Strategic
  • Tactical

This is the base model for asset allocation and consists of five investment strategies that can help the client commence his wealth accumulation program. The five strategies are

  • Conservative,
  • Moderate Conservative,
  • Moderate,
  • Moderate Aggressive and
  • Aggressive

And are derived from the client’s risk tolerance & investment horizon.

Asset Allocation needs to respond to changes in the investor’s economic environment. Therefore, even though, the allocation does not change drastically because the client’s risk tolerance may not change, the asset allocation will have to be regularly “rebalanced”.

The Tactical Asset allocation Model will be a result of variations in underlying factors such as – Inflation, IIP, Money supply, growth as % of GDP, etc. The tactical asset allocation model is reviewed on a quarterly-basis or as per the development of macro-economic factors in the Global economy.

Review & Scientifically Re-Balance your portfolio, consult Indian Wealth Management now!!

Arhaum Enterprises(Indian Wealth Management) can offer a personalized consultation to you, helping you clearly define your goals and develop a tailored life-stage plan. With ongoing advice, guidance and customized recommendations, Arhaum Enterprises(Indian Wealth Management) can help you address your short and long-term financial needs.


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