• Wealth Management Solutions
  • Personal Financial Planning
  • Risk Management

Wealth Management Solutions

I work with individual affluent and MNI Investors, to develop advanced portfolio management strategies and to help them achieve specific goals and to create value for their money and to secure their financial future. Wealth management according to us is a simple process of understanding current financial situation of an investor and enhancing one's financial strength by investing in appropriate range of financial products and services which are best suitable for the investor. We develop an overall strategy for our investors to meet their needs and goals through array of wealth management services which includes understanding investor's current situation, planning investment by investing into assets best suitable for their needs and by managing risk efficiently.

How I organize my work:

  • Help clients navigate today's evolving markets and identify the opportunities that shape their portfolios and long-term investment goals
  • Advise clients on how to allocate assets to meet unique objectives, addressing the dynamic market environment and by effectively managing risk for them
  • Research market ideas and build investment portfolios across a broad range of asset classes best suitable for investors
  • I review each investor's requirements, investment experience and risk tolerance, and determine an investment plan best suited for their requirements
  • We also extensively research equity market environment and use strategic and tactical asset allocation to reduce the risk and manage returns
  • We do periodic reviews of portfolios with investors to advise way forward

Personal Financial Planning

It's not going to be your parents' retirement - rewarded at 65 with a gold watch, a guaranteed pension, and health insurance for life. For many peoples, retiring in this new century is a mystery. Earlier generations of workers could rely on employer-provided pensions, but now many workers will need to rely on their own work-related and personal savings plus investments. These savings and investments have to last longer because peoples are living longer, often into their eighties and nineties.

"Failing to plan is planning to Fail"

Studies suggest Indians have a long way to go when it comes to financial planning.

81% of Indian parents don't even know the cost of higher education in the future.

71% of parents in India are willing to go into debt to fund their child's higher education.

3.44% is the dismal extent of insurance penetration in India.

89% of healthcare expenditure is done out of pocket by Indians.

71% of what they will actually need at retirement is what most Indians manage to save up.

If you are reading this, it means that you are one step away from above mentioned category of ignorant people.

At Arthayog we feel that a financial plan is not just a simple template filled with numbers. No two individuals are identical; similarly every financial plan has to be uniquely written with investor's objective in mind. Financial plans are written, organised strategies for enhancing financial strength and to accomplish financial goals and to meet various objectives in future. Two key requirements in achieving financial freedom are planning and the second is patience and discipline with the plan and we strongly recommend all our investors to practice the same.

Risk Management

Risk comes out of unknown, we at Arthayog believe that planning for emergencies like unknown and protecting against them is a very integral and important part of wealth management. "Stop Worrying about what you have to loose and start focusing on what you have to gain". Insurance / Risk Management is one of the most important element of any sound financial plan. Different kinds of insurance protect you from different kinds of unknowns that could impact your financial well being / planning and securing oneself against any of these unknowns is extremely important.

Frequently Asked Questions

What is your process of on boarding?

We listen to investors, understand their present financial situation and bespoke financial plan to suit their requirements. We prefer to manage risk effectively to enhance the portfolio performance over long period of time.

How much do you charge?

We do not charge our investors for the services we offer, the reason for the same is we get paid by the mutual fund companies with whom we deal and we also want all our investors to know how much we get paid by them. We disclose that to our investors in their login page.

How frequently do we hear from you?

Our process involves in understanding investors requirements, risk taking ability and plan investments which are best suitable for them. Second part is tracking and periodic review of the investments which is ongoing and very important aspect of wealth creation. We recommend once a quarter reviews to do a financial health check-up with our investors.

What products do you offer?

Our offerings include, Mutual Funds, PMS, Alternative Funds, Bonds etc

How much returns will I get from my insurance policy?

Insurance is like a parachute on the aircraft, you may not require it every time you travel but when you need it by any chance it will be very useful. Do not expect returns from Insurance policy. Buy them to safeguard yourself against unknown and against emergencies.

What policies should I buy?

Buy pure term plan for life cover, buy health insurance to get protection for any hospitalisation requirements and buy property / asset insurance to safeguard against any theft or accidents.

How much Life and Health Insurance cover does one need?

Typical thumb rule is one must have min 10 times yearly gross income as life cover. For example if your income is 10L per annum you must have life insurance cover of Rs.1.0Crores. Recommend a minimum of 5 Lakhs of independent cover per member in the family and get a family floater of Rs.20 Lakhs. Depending on individual's life style and requirements this may vary.

Do I get any additional benefits?

Yes, you also get additional tax benefits depending on what insurance you are purchase.

Possible Risks

Market risk , or "principal risk" is the chance that a downturn (or a bad investment) chews up your money. It's there for both stocks and bonds - when interest rates rise, bondholders will see the market value of their paper shrink - and for most people it's the big bugaboo.

Inflation or purchasing-power risk for most people is the "risk of avoiding risk" - the opposite end of the spectrum from market risk - the possibility that you are too conservative and your money can't grow fast enough to keep pace with inflation

I Will help you to understand:

  • Retirement Financial Planning with Wealth Creation
  • Wealth Creation
  • Asset Protection
  • Investing for Retirement with Self Managed Superannuation Fund (SMSFs)
  • And more other instruments

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Let`s start planning your financial future today

  1. Talk

    Actually, I'll listen as you explain your needs, dreams, and fears. Then I'll design a personalized plan that explains how we can help you reach your financial goals.

  2. Act

    We work together to implement the plan. Then I keep you updated on where you stand and adapt the plan as life happens.

  3. Relax

    I`m here for you whenever you need. Call me at any time, for any reason. Buying a new car? Ask my advice. Been offered a new job? Give me a call. Daughter got engaged? Congrats - I`ll help you figure out how to pay for the wedding!