Smart Manager is a product which completely fulfills the need for Financial Planning / Wealth Management. It assists you in achieving your financial goals with maximum productive returns from your investments.

Subscribers of this product will be eligible for the following services for one year:

a) Smart Gains (fortnightly)

b) Smart Reports (60 stock advices in one year)

c) Dr. Smart (every quarter)

d) Your stock portfolio monitoring and management (conditional)

e) Financial Planning

Sustained GDP growth of more than 8% plus, has created enormous wealth for HNIs (High Networth Individuals with a stock investment of more than Rs 1 crore) and upper middle class (Stock investment of above Rs 10 lacs). This investor class requires proper investment guidance suiting to individuals risk taking capacity.

There is much more to come in future. When an average 7% growth during last decade can move the stock indices up by almost six times, then what to expect in future, is anybody’s guess! With sustainable 8% GDP growth we project a Sensex and NIFTY level of 90,000 and 27,000 respectively by 2017! This may appear a dream, but a strong domestic demand and being one of the fastest growing economies in the world, India is all set to become darling of investors, globally.

Do you need a Financial Planner? Answer these:

a) Are your present savings and investments sufficient to meet all your financial goals?

b) Will your family be financially secure, whatever happens to you?

c) Can you appreciate the effect of Inflation on your savings?

d) Do you fully understand the risks and returns involved in investment assets like Shares, Gold, Real Estate etc?

e) Are you fully aware of the effect of compounding?

f) Is your investments tax efficient?

g) Do you know the effect of fast depreciating assets (like Car) on your total returns?

h) How much funds you must set aside for Emergency needs?

i) Had you executed a ‘Will’?

j) Do you know how to find the ‘Value’ of an asset?

k) How much and what type of Insurance you require?

l) Are you aware of the quantum of funds required after retirement?

m) How much you need to save per month for comfortable post retirement life?

n) How and in what proportion to allocate your wealth to different assets?

If you did not answered ‘YES’ to all of the above, then you need a smart Financial Planner, who can steer your financial resources in the right direction and right pace to meet your financial obligations and make your dreams come true. Your wealth needs right financial skills and tools to achieve your financial goals; else your finances can end up as a disaster.

What is Wealth Management?
Wealth management is an investment advisory field that incorporates investment portfolio management and financial planning

Whether you are a small investor or a High Net worth Individual, you have several financial obligations for you and your family. Also, you have certain financial dreams.  

What is Financial Planning?
Personal financial planning can be broadly defined as:

"Preparing a balanced and realistic financial plan to meet the individual's financial goals (like, child education/wedding, buying a house/car, retirement planning etc), after considering his resources, risk profile and lifestyle”

Financial planning is required to ensure long-term financial security, to achieve your life’s financial goals.

‘If you have built castles in the air, your work need not be lost; that is where they should be. Now put the foundations under them.’   

- Henry David Thoreau

How Financial Planning is done?

Financial Planning is a multi-step process and involves following steps:

1. Know your client: His family details (age, education, etc). His Risk-Return profile. His sources of income and savings.

2. Set the Goals with the client: His goals and ambitions in life. His financial needs in various stages of life, like Education expenses, Emergency fund, Child marriages, car, house, retirement planning, Tax planning, etc

3. Analyse the requirement and resources: Try to balance the two. If they are not balanced then contact client and redraw the strategies. Client may be asked to postpone some luxury today for sake of the future.

4. Prepare a Financial Plan: Prepare a balanced and realistic roadmap to achieve the desired goals. This also includes Life insurance and Health insurance plans for the client as well as family members. Depending on the age, risk-return profile of the client the resources can be devoted in various proportions to various investment avenues like Equity (Shares), Mutual Funds, PPF, Bank FDs, Commodities (Including Gold, Silver etc), Real Estate etc.

5. Execute the strategies: Start implementing the strategies chalked out in the Financial Plan.

6. Monitor and Review the plan: Due to change in economic and social conditions, the financial plan needs regular monitoring. Regular checks are required to look for miss-alignments if any. If required, the plan can be modified as per the changing needs.

What to look for in a Financial Advisor?

a)      Financial Qualifications

b)      Credentials / References

c)      Certification by renowned organisation to undertake financial planning activity.

d)      How much he charges

e)      Area of expertise

 f)      What services you can expect.

g)      How the disputes shall be settled

h)      Can you act as my fiduciary (Someone who acts with scrupulous good faith and honesty on behalf of someone else in dealing with financial matters.)