My Approach to Investment Planning

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My approach to investment planning is a structured, long-term process designed to align your investments with your unique financial goals, time horizon, and risk tolerance. Our systematic, well-thought-out investment solutions help you strike a balance between risk and return of investments for decent absolute returns. The disciplined investment process removes all financial media noise and provides you with objective, rational, long-term-oriented investment advice. Educating clients is part of my advisory role, and as their perceptions and expectations become more realistic, they develop the capacity to make better financial decisions. 

Investment Planning

• Our investment advice is supported by a disciplined and systematic investment process. Portfolios are built using equity, debt, and gold in proportions tailored to your risk tolerance and life goals.
• We customize advice tailored to your financial situation, risk profile, objectives, and market conditions. 
• We aim to grow your wealth ahead of inflation with significantly lower ups and downs than the market, so you can truly "sleep well at night".
• We run a fee-only practice and recommend only direct mutual funds - zero commissions.
• We advise our clients to have long-term perspectives to allow investments to grow.
• We help you see the clear picture with an objective mindset.

What I Recommend

• Equity -> Mix of active, low-cost index funds & NPS
• Debt -> Debt / Hybrid mutual funds + EPF/PPF/SSY/Government bonds/Bank FDs
• Gold -> Sovereign gold bonds or gold-based mutual funds 

What I dont Recommend

• Individual stocks
• Derivatives (F&O)
• PMS 
• AIFs 
• Crypto 

Knowledge Sharing - My Real Goal: Make You Self-Sufficient

• An educated investor is an independent investor. That's the ultimate outcome I work toward.
• Over the first 3 years we work together, I teach you everything that matters: goal-setting, cash-flow mastery, risk, asset allocation, taxes, behavioural traps - the complete playbook.
• By the end, you'll understand your money as well as (or better than) most professionals. 
• Continuing with me will always be welcome, but it will be a choice, not a dependency.

1. Long-term Investing is Boring

Great investing isn't about being brilliant. It's about being disciplined, patient, and boring, while everyone else is chasing brilliance.  Adopting a "boring" approach—focused on consistent discipline, patience, and sound fundamentals—helps clients avoid the pitfalls of emotional decision-making and chasing short-term trends.

2. Cost is the only certainty in investing

Every extra 1% you pay in fees or expenses, if compounded over 30-40 years, can reduce your ending wealth by 20-30 %. That's money you're guaranteed to lose before the market even moves. That's why I earn only the transparent fee you pay me - never commissions or hidden kickbacks.

3. Inflation Vs Market Volatility

For a long time horizon, Inflation poses a larger risk than stock market volatility. Accordingly, we should orient the portfolio more heavily toward equity investments. For a short time horizon, stock market volatility is more dangerous than inflation. So, we should weight the portfolio more heavily in fixed income investments that have more predictable returns.
 

4. Peace of mind >>> Chasing the highest return

The goal of investing isn't to have the highest return on paper in 10 years; it's to have the

highest probability of achieving everything that's important to you without losing sleep along the way.

5. No one can predict the market consistently

Markets are a complex, adaptive system with millions of participants. If someone could consistently predict them, they'd own the world by now-and they don't. What we can control (risk exposure, diversification, costs, taxes, and especially your own emotional reactions) explains well over 90 % of the variation in long-term outcomes. The remaining <10 % is mostly noise and luck.