Our Approach

Our comprehensive, step-by-step Long term Wealth Creation focused approach ensures that we assist you plan for all your financial dreams in a focused scientific way for both short-term and long-term time horizon keeping cognizance of your risk appetite, time horizon and suitable product recommendations.

Most of us dream of a financially secured and independent life post retirement. After all the years of hard work, we wish that our life-long savings help us meet our expenses and aspirations without compromising our lifestyle. But it is easier said than done!

Today with constant price rises and inflation beyond control, increasing health care costs, ultra-modern life-style and higher life expectancy, our savings can come under severe stress and may prove insufficient for the rest of the retired life. So, not just before retirement, we want our hard earned money to work for us even after retirement. Besides, forecasting macro-economic factors such as inflation, rates of return on specified asset classes and future trends in expenditure, is a complex and specialized process.

We as a Wealth Management firm, make it simple for you through a personalized, comprehensive yet actionable plan that endeavors to provide the most optimized post tax returns to meet your needs, goals and aspirations in a systematic planned approach with a detailed plan. At the same time, we ensure that all personal & financial risks are also sufficiently addressed!!

We begin with Identifying your various life stage responsibilities and goals to estimate the corpus required towards achieving these goals/ dreams. This includes planning for various life-stage such as marriage, family planning, child’s education, child’s marriageand post retirement income along with other short-term goals like contingencies or vacations. The next step is to estimate the corpus that would be required at various points in time to meet these goals. This helps us understand your financial needs of the future and prepares you for taking the necessary steps.

  • Identifying your Goals

Identify various Life Goals according to Life Stage as Essential Expenses (marriage, family planning, child’s education, child’s marriage and post-retirement income etc.), Liabilities & other Discretionary expenses and to estimate the corpus required for achieving these goals. This helps you understand your financial needs in the future and prepares you for taking the necessary steps.

  • Review Current Financial Situation

It entails a complete financial health check-up. The basic objective is to estimate your current cash flow and the risk to its continuity. It involves a complete assessment of your current income, expenses, assets and liabilities. It helps you to understand how your money flows!

  • Investment, Insurance & Utilization Strategy

We help you execute the suggested asset allocation through most tax efficient, liquid and risk optimized investment options. Recommend a suitable utilization strategy to best utilize your available resources to make your dreams come true without having to compromise your post-retirement needs and aspirations. Also, access your health and asset insurance related requirements and recommend suitable insurance options through various industry experts to take care of contingencies and uncertainties.

Planning is all pervasive. After identifying your goals and reviewing of current financial position, Planning helps to understand whether you are living above your means or whether your liabilities would eat up your savings. It helps you to understand how your money flows (inflow and outflows) !

Assess your risk profile to understand your risk tolerance and appetite. While risk appetite refers to your capacity to take risk, risk tolerance indicates how much risk your finances can handle. Your investment decisions depend on your risk profiling to a great extent.

Recommend an asset allocation to diversify and adapt your portfolio to your needs and investment climate. Asset allocation is the process of combining various asset classes such as large and small/mid-capequities Mutual Funds, Bonds, Real Estate, Cash Equivalents, Gold etc. Typically, each investment category reacts differently to changing economic and market conditions creating a mix of asset classes that can help balance risk and return.

Advise investment options to deploy/employ savings in chosen alternatives. Asset allocation determines the overall asset classes for investment. The next critical step is to choose from a wide variety of investment options available amongst each asset class and make investments as per the plan.

Review your current portfolio viz-a-vizyour plan for your risk appetite, cash flow volatility and market conditions and rebalance as necessary. It is important to monitor and review your plan every 3-6 months and re-balance your portfolio after taking into account the various socio-economic factors.

Whether you’re starting to save for Wealth Generation, Children’s Education, Children’s Marriage, Holiday Abroad, Own Home, Real Estate Investment’s, Contingency Planning, Legacy Planning, Philanthropy, Retirement Planning or Investing abroad, Indian Wealth Management can help you navigate through all this planning and execution in the most professional way with the help of best brain’s in the country.

Contact Indian Wealth Management now at hr@indianwm.in for more information and taking initiative towards your dreams fulfillment.


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