We crave for a fulfilling life (Ayush). Creation of wealth (Dhan) is one of the means towards living a life of your dreams with the liberty to live life as per your own terms and at your own pace.
- We help individuals and families live their dreams by helping them make better decisions with their money.
- We listen. We understand your concerns, your life situation, your dreams and your values.
- We offer solutions that help simplify and de-clutter your financial lives and lead you to a richer life.
It is important that clients partner with financial intermediaries that share a similar philosophy and value system. We have encapsulated, below, our philosophy and values which will be the cornerstone of our work ethic.
Our Philosophy
Investments: We believe in a “buy and hold” style of investing i.e. investing in actively managed fund or a stock and holding the same patiently for many years barring a fundamental change in the intrinsic attributes or value.
Under growth assets, we believe equity to be the top asset class for sustained long term wealth creation.
Debt: Debt can be both good and bad. The key defining factor is your capacity to service the interest vis-a-vis an opportunity to use that amount to meet other goals.
Life Insurance: Risk transfer through insurance can potentially reduce or eliminate the financial catastrophe a family might face due to death. We believe in buying term insurance and investing the rest.
Risk: Studies on behavioural aspects in finance point to the fact that people are generally not risk averse; they are loss averse. A detailed discussion on risk leads to people making informed choices.
When creating client portfolios we look at the risk required, risk tolerance and the risk capacity of the client to arrive at an optimal solution, where the terms have the following meanings:
Risk Required: The risk associated with the return required to achieve the client’s goals from the financial resources available.
Risk Tolerance: This is an inherent characteristic of an individual which defines his comfort level with the risk.
Risk Capacity: This is the risk that the client can afford to take.
Taxation: We believe in following the law in letter and spirit. We aim at building tax efficiency in our overall advice.
Wealth Creation: We believe in pursuing a rich life. Wealth creation is a part of richness in life. The pursuit of wealth should be in line with your core life values. We bring together these fundamental attributes to create an optimal framework for you to move towards a rich life. We use financial planning as a primary tool to help you achieve this goal.
Our Values
Integrity: We value personal and professional integrity. We seek to achieve our goals by being honest and transparent with our stakeholders. We seek to earn trust with every action. We are honest and unbiased when it comes to advising our clients. We will be quite categorical if a particular goal looks unachievable. We stand committed to look for our clients best interests.
Responsibility: We take ownership of our work. We appreciate the huge amount of trust our clients place in us in designing their financial lives. We value long term relationships and gratefully undertake the responsibility of hand-holding our clients in their financial journey towards achieving their goals.
Quality: We pledge to meet high standards of diligence in our services and delivery. We believe it is very important to follow a defined process to deliver solutions for our clients. We love what we are doing and we believe it shows in our work.