INVEST WITH A GOAL IN MIND, WITHOUT A DESTINATION, A JOURNEY WOULD BE FRUITLESS.
The first step in doing anything of importance is to assess where you stand today and where want to reach after a specific time period. To do this, you need to first measure your financial health by evaluating your current financial portfolio.
First, you need to set a target of where you want to reach in life – list out the things you want to achieve. You need to determine your financial goals.
Common financial goals may include:
- Purchase of home
- Purchase of Car
- Child’s Education
- Supporting your parents
- Child’s Marriage
- Buying Holiday Home
- Wealth Accumulation
- Creating Trusts
- Charity / philanthropy
- Short term (less than 3 years)
- Medium term (3 to 5 years)
- Long term (more than 5 years )
This will help you to know what goals are to be met first and therefore channelize your investments accordingly, based on the time to the goal and your risk profile.
We never know what the future holds for us, so it’s always best to be prepared. Having an emergency fund is extremely important so you’re always prepared to deal with what life brings —good or bad.
It’s a good idea to make an emergency fund one of your highest savings priorities. An emergency fund should cover three to six months’ worth of realistic living expenses. If you feel your income is stable then you may be able to plan for the lower figure. An emergency fund can also shield you from the high cost of borrowing.
If a goal is not quantified, it becomes very difficult to select a path to achieve it. for example you may have a goal of funding your child’s higher education and you need 25 lacs as of today.
Do consider the impact of inflation on it and plan for the future value of money.
Example : Mr. Sharma has a 6 year old daughter named Diya. He plans to send his Diya to college for graduation at age 18 and post graduation at age 21, for which today’s fees are Rs. 10 lakhs and Rs. 25 lakhs respectively.
What corpus does Mr. Sharma need to accumulate for Diya’s education goals?
Assuming that inflation in college fees is approximately 7% p.a:
Diya will go to college at age 18 i.e. in 12 years, college fees at that time will be approximately Rs. 22.52 Lacs. This is the amount Mr. Sharma has to accumulate in 12 years to send Diya for the same standard of college education available today at Rs. 10 lakhs.
Similarly, for Diya’s post graduation, in 15 years Mr. Sharma needs to accumulate
Approximately Rs. 68.97 Lacs to give the same level of post graduate education available for Rs. 25 lakhs today.
This is the effect inflation has had on college education fees.
Once your goals are quantified i.e. you have a tenure, an amount and a clear idea of your goals of retirement, child’s education and marriage, asset purchase and others, it is time to actually plan for these goals.
|Education Planning||Ms. Diya Sharma|
|Child’s Name||Ms. Diya Sharma|
|Goal||Diya’s Age||College Fees (Present )||College Fees (Future)||Years to go||Monthly Investment needed|
|Expected Rate of Return on Investments considered is 12%|
|Mr. Sharma should start Investing Rs. 22,010/- per month to plan for Diya’s Educational Goals|
Remember, your goals should be Specific, Measurable, Achievable, Realistic, Time-Bound
The most convenient and one of the easiest ways to accumulate wealth are by investing regularly and in a disciplined manner.
investors seek the perfect entry and exit point of the market, However, it is impossible to regularly be correct in predicting market fluctuations, and thus know exactly when to enter and to exit.
the SIP route will help you answer the question of ‘when to invest’ in the
markets. You only need to be very regular with your investments and remember that market lows will help you buy more units. This is when your SIP will give you the maximum benefit.
Means allocating your investments across various investment avenues or assets so that the poor performance of any one asset does not affect the overall performance of the entire portfolio. Different asset classes are differently correlated with one another. For example, when equity does well, debt or gold may not do well, and vice versa. It is this different correlation that makes asset allocation such a critical component of financial planning.
But remember, asset allocation is not a one-time process. It is not static but dynamic. As your goal draws nearer, it is important to re-assess your asset allocation and withdraw from risky investments – to de-risk your goal’s portfolio.
Setting your Goals is typically not an on-going process. You can set your goals and begin working towards them. Review of progress towards your goals can happen typically once a year.
Dear Mr. Subhash,
My close friend Mr. Kishore was looking at investment options to secure his future. He was looking at various options when I had the opportunity to introduce him to you.
With so many options available in the market, mutual funds can be sometimes overwhelming to select the right one. This where an expert advice is required an I am glad I could introduce you to him. He was really happy that you understood his requirement in totality and then advised him the roadmap. You did not sell whatever you could but make him understand what he requires for future.
That was the primary difference and as a result, he could invest in the funds which suited his requirement to the “T” .
Thank you so much for the correct advice and establishing great credibility. Wish you luck always.
With Best Regards,
My relative Sheetal and her husband Deep has started their investment with Abhishek Gupta from last two years, they found that Moat Wealth Advisors are very good in investing their money in equity and got very good returns. So they are started giving referrals of their friends to Abhishek and now many of their friends, colleagues and relatives are investing
My relatives are so happy that they are thanking me a lot for referring Abhishek to them. I
take this opportunity to thank Abhishek and his Moat Wealth Advisors team. I highly recommend them as best investment advisors, prompt and professional services. Wishing Abhishek all the success in his business.
I, Thank Subhash Chawan for helping me select the right Mutual Fund product, to invest in. Your choice has helped me experience maximum gain in my Investment.
Our Investment’s made about two months ago, under your careful guidance, has resulted in a net yield (gain) of approx. 14% p.a. which is much higher then our usual Investment made in Fixed Deposits.
I would strongly recommend you and your company Moat Wealth Advisors, to one and everyone for carefree and rightful Investment in mutual funds.
Pray that you help many more with your rightful suggestions as offered to us.
Thanking you with the very Best if Wishes.
Mutual Funds are subject to market risk, Read offer document carefully before investing. But when it’s an investment in mutual fund with Subhash, the risk is what is informed to you…rather what he educates you.
In the collapsing market trend when most of the investment consultants are advising you go short, and when even Subhas is advising a similar position, what can make me invest in Mutual Fund is my trust in him. I am always a real estate person, but because of Subhas I am turning slowly into mutual fund segment.
As a Practicing Charted Accountant, with a client base having very low appetite for risk, but still aiming at wealth maximization, I advise them to go for mutual funds. And when I tell them to do so, I find most of them, already have burnt their hands in this segment. The reason for the disaster is not the wrong fund, but the wrong time and wrong decision. All thanks to the careless mutual fund advisors, who probably have intentions of wealth maximization…. not for their clients but for themselves.
So when you are planning to invest in mutual funds, don’t choose mutual fund but chose a good advisor and for me it is Subhash Chawan, the advisor who believes in the concept of Mutual Growth through Mutual Funds
Thankyou so much for all your help.
We have started SIP on recommendation of Moat Wealth Advisors and are extremely happy with their services. This is first Investment for our daughter for her long term education and other needs. Abhishek and his team gave us good guidance and showed benefits of Investing at young age. His paramount interest lies in customer first philosophy and accordingly he suggested Sukanya Samriddhi Account for my Daughter, Mediclaim etc. Where he was not earning anything which I really like about him.
We are happy with their services and would definitely recommend Moat Wealth Advisors as trusted team for mutual fund support partner to all.
My sister got divorced 10 years back. She had mixed emotions of helplessness/fear/insecurity especially financial. She had lost hope. Amidst this your company came to her rescue. She trusted her full alimony amount on you. Little did she know that how brave and smart this decision all turn out. Thanks to your constant follow-ups/guidance, her financial portfolio has upped considerably. Suddenly from being in a pitiable condition, you made her sit in evitable position. Thanks for giving her a sense of calm after an unexpected personal storm. My family will forever be indebted to you for this.
Our heartfelt Thanks.
When it came to understanding Mutual funds, my first discussion was with Subhash Chawan of Moat Wealth Advisors. He guided me with the systematic plan and how Mutual funds work and the wealth growth over the years. With the experience and the background of Moat Wealth Advisors I found a better way to grow my wealth. What was giving more comfort was that the way they have been able to switch and find the best funds to invest in, their regular daily updates, quarterly updates and the reports gives me confidence. I can very well say I have been having the best experience in Mutual fund investment with Moat,
Thank you Subhash for the excellent guidance. I am recommending Moat Wealth Advisors for all Mutual fund investors.
I trust MOAT WEALTH ADVISORS more than anybody and I have shifted all my funds to you for the investment in mutual fund. I am very happy with your prompt, professional services & confidence with which you execute your business. From now on wards I will invest only with Moat wealth advisors.
It has been some time that we have started referring you to our contact sphere for mutual fund investments. With so many options available in the market, Mutual Funds can be sometimes overwhelming to select the right one.
This is where an expert advice is required and am glad that I could introduce you to them. We have received positive feedback from whosoever have availed your expert advice. You did not sell whatever you could but make them understand what they require for future. That was the primary difference.
Thank you so much for the correct advice and establishing great credibility. Wish you luck always.
It gives me immense pleasure to write this testimonial for Mr. Subhash Chawan from Moat wealth Advisors. This testimonial is for a reference I had shared with Subhash over a year back for investments in Mutual Funds.
I had referred Mr. Rajeev Jadhav for investments in mutual funds to Moat wealth Advisors, as prior to meeting with Subhash he was investing with his personal banker. initially he was reluctant to meet a new investment advisor but after he met with Subhash and his team with his wife he was absolutely confident and not only he started a large amount of SIP with Subhash but also moved his other equity investments from his current banker to Moat Wealth Advisors in their equity Mutual funds and Portfolio Management Services – PMS. I must say that Rajeev and his wife are extremely happy with Subhash and his team for having regular reviews on the portfolio and guiding them well to receive maximum returns on the investment made by them with Moat Wealth advisors.
I would like to go on record and let you know that you are doing a wonderful job and I have shared this experience with most of my friends and you should expect more of my friends moving their investment portfolio to Moat Wealth Advisors.