Financial Planning & Wealth Building

02/02/2023

WHY EQUITY MUTUAL FUND🧐

There are several ways of investing in equity market via
Stock, Mutual Fund, Company Equity etc.

Stock is highly populated and a dense area of research on more than 5000 Indian stocks available to choose, the worst part is that the moment one buy a stock it takes you to a roller-coaster ride and belief of investing in equity market shadows down.

what is the problem: while investing in stocks
Due to lack of professional management of choosing a stock with data backed research, there are high chances of making a wrong decision of picking stock goes higher, or even if one pick stocks which is 50% right 50% or less neutral or bad decision, return is compromised.

Mutual Fund (MF): it gives all kind of benefit which a stock picking doesn't give i.e
1. MF managed by a recognize large experience fund manager
2. They also do stock picking but backed by strong research
3. For doing research there is a large team works for them
4. Stock picking conclusion based on funnel approach is always better as a proven record

Mutual Fund return comes better than NIFTY50 average in long term provided the selection of Equity Mutual Fund is better...

I have been actively involved in picking MF with my clients and in last 10 years, I am happy to share that all the portfolio has delivered positive return, specially upwards of NIFTY50 in any duration of the portfolio.

I strong believer of Equity Mutual Funds ...the best way to accumulate generational wealth and retirement planning...

Happy Investing...stay connected...

04/06/2020

Each one of us whether want or not but are sailing through the journey of life to make all our Financial Needs in place and we end up making it with little luck or by passionately working hard to achieve it. We desire to shape our life with all required luxury as earliest it is possible but most of the time we fail to do so and struggle in life in early stage of life and he who have not inculcated the habit of savings struggles whole life. [ 434 more words ]

Each one of us whether want or not but are sailing through the journey of life to make all our Financial Needs in place and we end up making it with little luck or by passionately working hard to a…

07/05/2020

I've been hearing from people insurance means Life Insurance only in the name of Investment and saving plans to get a fixed income after 20-25 years by paying good amount of premium every year, which has no value at the time of maturity. Why do we feel maturity value is like pea-nut? Rupee depreciation - Purchasing power of money depreciates on every money kept idle and not growing equal or more than the prevailing… [ 204 more words ]

I’ve been hearing from people insurance means Life Insurance only in the name of Investment and saving plans to get a fixed income after 20-25 years by paying good amount of premium every yea…

26/04/2020

Financial Planning can be done via various methods - Goal Based Planning, Buying product based on my strong opinion of specific security, Objective led wealth management etc. I have to have a clear objective is the 1st step of management process to prepare a right Strategy for implementation and monitoring can be termed as Strategic approach- to elaborate. Strategic - [ 349 more words ]

Financial Planning can be done via various methods – Goal Based Planning, Buying product based on my strong opinion of specific security, Objective led wealth management etc. I have to have a…

15/04/2019

Why Wealth Management????

It's not about BIG or Small of money! But really required a mindset to know the wealth we carry needs efficient management to maintain the future purchasing power...

Many a times we come across retired person doesn't have their basic needs in place and very much dependent on the relationship which he/she have never dreamt off.. WHY?

We need few holystic decision and it enables us to make things right...

Most of the people talks about their wealth belongs to Mutual Funds/FD/Liquidity available only...but to understand it our wealth is nothing but a combination of:-

Equity+Debt(MF/FD/CFD etc.)+Real Estate(apart from living house)+Gold/ETF

And the whole wealth should pursue the responsibilities as below
1. Sustainable Growth
2. Protection for any black swan/potential downside
3. Estate Planning in place

If you're unaware about above 3 points you need to ask/connect your advisor immediately...

Please comment for any suggestions or update...

06/11/2018

Risk Management

Is an integral part of Managing Wealth at every level

Investors used to be anxious and have loads of questions to their advisors about wealth in immediate volatility (is a nature of equity)

Rather we should give maximum time on
1. Asset allocation
2. Identifying a right security
3. Giving time on investment to grow as desired

Risk Management is a character of advisor's capacity to identify the potential loss and manage it accordingly to safeguard his investors from any unforeseen exposure of risk which stops to mitigate necessity and give more confidence to make things better for Wealth

It is measured by Standard Deviation...

Where more the Std Dev should have more return but generally we've seen more Std Dev less return while we've got expertise to reduce Std Dev with increased return ...ask how ?

Advisor's role is to increase the probability of an expected outcome to happen with least risk possible

To be continued...

06/11/2018

Happy Diwali to all ✨🙏✨

13/09/2018

Wealth management consist of two words
WEALTH & MANAGEMENT

Wealth - is nothing but a deferred consumption (except consumption & aspirational Assets) which takes different shape of investments over a period of time it may look like below

Wealth = Real Estate (apart from living house)
+ Equity (Shares/Mutual Funds/PMS etc.)
+ Debt (FD/NCD/Bonds ETFs etc.)
+ Commodities (Gold/Silver/Metal etc.)

e.g
Assets Value (in Cr)
Real Estate 5.0
Equity 1.5
Debt 0.4
Commodity 0.15
Total 7.05

Management - is a 4 step process by which every organization/Individual follows

which is
1. Defining Objective (Reaching from Point A - B)
2. Prepare a Strategy (with highest probability)
3. Implementation (prepared strategy need to follow path)
4. Tracking (whether going right or need any change)

My expertise is to offer Management on Wealth for my limited clients...would like to add few more

29/06/2018

Asset allocation wealth management...

This is one of the most important task to pick investment as an asset class

One need to spend most of the time on selection of asset class where to invest and why...

Classification of asset is defined in 4 assets allover world as
1. Equity
2. Real estate
3. Debt
4. Gold

Being a prudent investor and advisor one need to spare most of the time to identify the best asset class which have highest probability to achieve the objective such as

1. Return over time period with safety
2 . Safety and probability to reach the defined objectives
3. Create highest liquidity to qualify for any emergency

Please let me know for any open query ...

24/05/2018

What are risk on your wealth

Let us understand how inflation is becoming a salient killer on your hard earned deferred consumption called accumulated wealth over a period of long time

What we could purchase in Rs.100/- in 1979, we have to pay for the same today is Rs. 3205/- based on the Govt. Calculated avg inflation of past 35 years, but in reality the way we've seen the consumption pattern of an individual called upper class/HNI are altogether different...

We sat in the drawing table and tried calculating inflation based on these individual consumption patterns we found an amazing number come @12.13%, hence we found purchasing power of Rs.100/- in 1979 is Rs.9230/- today in 2018

Now question is whether your wealth growing more than12.13% or not?

If not it will not give same happiness over a period of time hence it is wealth responsibility to grow

Hence Wealth Management platform takes the responsibility to grow your wealth by inflation +3-4% extra =15-16% in totality (Equity + Real Estate + Debt + Gold) which is missing in most of the portfolio

Please ask your Relationship Manager to calculate IRR for your total wealth and see if it is at right place?

To be continued ...

Regards
Chandra Kishore Soni
9717440810

16/04/2018

Hi
I'm looking for a candidate for wealth management company to work as an account manager
Responsibilities
1. Handling & Managing Investment accounts (HNI & UHNI)
2. Financial knowledge required to prepare financial reports based on company requirement
3. Soft skills required to communicate with clients as n when required
4. Work location- Gurgaon

Plz share if you have anyone looking for change or job
Fresher may look for (preferred 2/3 years financial experience)

Regards