What I do
My Services
1. Financial Planning
Financial planning ensures a household has enough resources to meet present and future needs. With rising inflation affecting daily expenses, it’s important to manage income wisely and create multiple sources of earnings. Planning helps prepare for times of low or no income, such as retirement, and covers unexpected costs like medical emergencies or major goals like children’s education or buying a home.
2. Mutual Fund
Mutual funds pool money from investors to invest in different markets and securities based on a scheme’s objectives. A professional fund manager researches market trends, decides when to buy or sell, and manages the portfolio to maximize returns.
In India, they’ve become popular for offering better returns than bank FDs (around 12–15% annually) while being less risky than direct stock trading. They work best for long-term goals like retirement, education, or wealth creation, and can be invested via a lump sum or a Systematic Investment Plan (SIP), which also offers tax benefits.
Types of Mutual Funds
• Open-Ended – Buy or sell anytime at the scheme’s Net Asset Value (NAV).
• Close-Ended – Fixed maturity; units available only during the New Fund Offer (NFO) and tradable later on the stock exchange.
3. Investment Products
A. Equity Market
The equity market allows traders to buy and sell company shares for short-term or long-term gains, including dividends. Buying shares means owning a part of the company, with voting rights and potential profit through price appreciation. Trading happens on exchanges like BSE and NSE.
Primary Market – Where companies raise long-term capital by issuing shares and bonds directly to investors through IPOs. A good IPO can offer safe investment opportunities and even quick listing gains if the company is fundamentally strong.
Secondary Market – Where investors trade shares among themselves via stock exchanges; companies are not directly involved.
B. Fixed Income Instruments
These are investments that provide stable returns over time, often with lower risk. In India, options include:
Government Securities
Sovereign Gold Bonds
Inflation-Indexed Bonds
PPF, SCSS, NSC
Post Office Schemes & Deposits
Kisan Vikas Patra (KVP)
Sukanya Samriddhi Account
4. Retirement Planning
Retirement planning ensures you have enough income to cover expenses when you’re no longer earning. At this stage, income may come from a pension, a retirement corpus built during your working years, or both. To secure your future, part of your current income should be regularly saved and invested.
The process involves estimating retirement expenses, calculating the income needed, determining the required corpus, assessing your current finances, and choosing suitable investment products—both during and after retirement—to generate steady income and beat inflation.
Retirement has two stages:
Accumulation Stage – Saving and investing for the retirement corpus, ideally starting early to benefit from compounding.
Distribution Stage – Using the corpus to generate income during retirement.
Common approaches to estimate the corpus include the Income Replacement Method and Expense Protection Method.