Just like how a client chooses or wishes to choose an ideal financial advisor, we also have a list of characteristics we seek in an ideal client especially for financial planning ! As a financial advisor, we need to provide you with a tailored expertise and value for your investments . Trust and collaboration are essential for achieving both personal and professional success. As an investment advisor, we need to provide relevant suggestions to you in a timely manner. Together, we shall form a partnership aimed at achieving success

Life Insurance

Life insurance is a very important tool for financial planning. It is a part of risk planning. In this case, we transfer the risk to the insurer. With this, we ensure that the goals of our loved ones are met during our absence. Some of the common questions that any individual has on insurance are answered below including how much cover to take, till what age, what kind of policy, should I go in for riders, which insurance company etc…

Health insurance forms an important part of your goal planning and it covers a major risk where financial resources could get depleted. With health insurance, you cover / transfer the risk. Health insurance is not an easy product to buy off the shelf and one requires a good understanding of its features and benefits before purchasing the right product including the amount of cover. Each individual is different and therefore one needs to understand the finer features of the product. Lower the premium and therefore the product doesn’t make sense.

When will market go up ?

I believe the only question many of you have is when will the market go up ? More importantly when will your returns go up ? This is a persistent question and the IPO euphoria has slowly petered out, the interest in market is waning and we are all waiting and hoping for the turnaround. Do we see light at the end of the tunnel ?

1. On 30th March 2022, Sensex was at 58,683.99. As of today, Sensex is at 57960.99. Sensex has given negative returns.
2. Nifty Bank on the other hand is currently at 39,910.15 and on 30th March 2022, it was at 36,373.60.
3. BSE Midcap and Smallcap index has barely managed to give any returns.

We are in a situation where there are too many macroeconomic factors are at play :

International funds have been performing exceptionally well 2 years back and I have seen amazing performances from the mutual funds which are invested in international stocks. However, all this changed in February 2022, after SEBI brought the guideline on international investing. This has vexed a lot of intermediaries and investors. Should we continue with international funds or should we look somewhere else ?