RISK TOLERANCE

  • Ability to withstand risk
  • Facilitates suitable asset selection
  • Assess your risk profile periodically

PORTFOLIO REVIEW

  • Review your portfolio every 3-5 years
  • Review portfolio on the occurence of special events
  • Review your financial planning constantly

MANAGING RISK

  • Protect yourself from the
    unexpected
  • Insure yourself sufficiently and review your life cover periodically
  • Keep nominees informed

RE-BALANCE PORTFOLIO

  • Helps maintain your target asset allocation
  • Re-balance to stay on track
  • Re- balance your investment
    portfolio periodically

DIVERSIFICATION

  • Allocate investments among
    various financial instruments
  • Protectors against volatility
    business and financial risk
  • Beware of over diversification

ASSET ALLOCATION

  • Strategic mix of different asset classes
  • Greater investment discipline
  • Appropriate balance amng risk, return & liquidity

RETIREMENT PLANNING

  • Investment Planning done for a smooth retired life
  • Achieve financial freedom at the right time
  • Start your retirement planning now

LONG TERM HORIZON

  • Investing with a view to remain
    invested for long
  • Ensure your time horizon is in line with your financial goals
  • Reduces the market volatility risk substanially

TAX PLANNING

  • Maximize returns & reduce tax
    liability
  • Check tax liability on returns before secting investing options
  • A penny saved is a penny earned

FINANCIAL FREEDOM

  • Start investing early
  • Do not borrow and invest
  • Avoid debt trap

FINANCIAL GOALS

  • Priorities all your financial goals and responsibilities
  • List the obstacles
  • Be SMART – Specific Measurable Attainable Realistic Time-bound

ESTATE PLANNING

  • Passing on wealth to the next
    generation in an efficient manner
  • Make your Will and update it
    regularly
  • Estate planning is important
    irrespective of net worth