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Asset allocation is an investment strategy that aims to balance our risk and reward by apportioning portfolio’s assets according to individual’s goals, risk tolerance and investment horizon.The main asset classes are equities, fixed-income, real estate, gold and cash and cash equivalents; these have different levels of risk and return, so each will behave differently over specified time horizon.
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As individuals we all look for trusted relationships before we share confidential numbers. We expect our advisors to dig deeper into our financial situations and only when we trust we open up and share our data that forms the basis of his action plan for our financial well-being. Are you sure your financial planner has […]
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Last week I met my friend Saurabh who is now a Regional head with one FMCG company and stationed at Bangalore. We were sitting in a coffee shop when suddenly he told me that he’s thinking to engage a financial planner to manage his personal finance matters. This was not a new thing to me […]
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In India pension products are bought emotionally. We can describe this as a herd behaviour. Here investors follow others without identifying the features of products and their requirements. When sales pitches are made, the sellers push the product and make people understand in such a way as if they are losing their last opportunity. Investors […]
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As a financial advisor, one might be a well qualified person excellent with numbers, but the only thing that makes him stand out is the way he interacts with his clients. In the last few years I have realized that the financial planning exercise goes beyond number-crunching plans, asset allocation techniques and investment strategy. The […]
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