Investment planning is the process of matching your financial goals and objectives with your financial resources. Our Financial Planning Model is designed to help you get clear on how to match your financial resources to your financial objectives keeping in view the impact of inflation which silents throttles your income year after year. Financial Objectives can be as diverse as planning for a vacation, children’s education, medical expenses, monthly retirement income to beat inflation or the marriage of a loved one.

Investment Portfolio Managers, Insurance companies and banks are constantly coming up with innovative financial instruments and schemes to cater to every conceivable need. The most commonly used are property, gold, jewellery, cash, equities, bonds,  fixed instrument MFs, public provident funds, Post office and senior citizen schemes. Each of these have different characteristics and a good investment plan will usually contain all of these. The proportion in which you invest in each of these instruments would depend on your immediate, short term and long term financial objectives. One of the key factors which determines how you plan investments is how soon you start savings. The earlier you start investing the greater is the benefit. This is the best antidote to the cancer of inflation eating up your hard earned post retirement monthly income.

An example will make this clear. Twenty-five year old Chaturlal invests ₹ 20,000 annually over 10 years in a PPF scheme her with an average interest of 10 percent. When he retires, at the age of 65, his investment would have grown to ₹ 55,61,970/- On the other hand consider Popatlal, age 34, who invests ₹ 20,000 annually over 30 years into his PPF. At age 65, Popatlal who has invested three times as much as Chaturlal, will have ₹32,89,880 in his retirement account. In this example, Chaturlal who began investing early and gave his money time to earn compound interest has ₹ 22,50,000/- more than Popatlal to spend during his retirement.

While we understand the power of compounding, we also realize that age is not the only factor that determines your investment plan. Each individual is different and has their own spending and financial needs. We help develop a custom plan exclusively for you and provide you the necessary insights to ensure that you build a strong foundation and are able to tweak your plans and investment with changing times. We know that the only constant in this rapidly evolving world is change. By helping you set out clear and measurable goals, we would strive to provide you an array of financial instruments that would match each specific financial goal in the most efficient way. 

Please feel free to contact us at info@saileshcousik.co.in for any specific needs