Financial Planning is a comprehensive road map to achieve your financial goals, reduce your financial risk and achieve financial freedom over time through proper asset allocation, investment in right products, and continuous monitoring.
What We Do
We understand your financial goals, conduct a risk assessment and build a comprehensive financial plan.
Understanding of goals
We spend time with you and understand your long-term and short-term financial goals. This could include retirement planning, children’s education and marriage, vacations, buying a home or car among others.
Risk analysis
We evaluate and understand your risk taking abilities. Creation of the financial plan and resultant asset allocation takes this into account. We also consider the need of emergency funds.
Evaluation of current investments
We evaluate your current investments to determine their relevance in achieving your financial goals.
Asset allocation
We determine the asset allocation among equity, debt, real-estate, gold, fixed-deposits based on your risk profile, life stage and your short and long-term financial goals
Protection
We also advice on protection instuments like insurance should things go wrong financially.
Tax planning
We advice on choosing the right products to minimise your tax outgo; we also take care of all Income-Tax formalities
Estate planning
We also help in creating an Estate plan for wealth distribution to next generation.
After creating the financial plan, we help you with the execution if you so desire
Choosing the right products
Based on financial goals, risk assessment we advice on the right products to achieve the financial goals
Product selection method
We have the skills and tools to select the right product from thousands of options available in the market in each asset class
Understanding the financial product cycle
We continuously track the markets and advice on the right time to invest/exit in various asset classes like equities, gold or debt.
We continuously monitor your investments and suggest changes if needed
Tracking performance
We conduct periodic reviews of the portfolio to understand what is working and what is not and take remedial actions
Right balance
We review the asset allocation and assess if it is creating the right balance of risk and return for you based on your risk profile
Optimizing products
We suggest changes to products based on our assessment of the risk/return and prevailing market conditions.
Optimizing asset allocation
Based on your life-cycle, changing needs and prevailing market conditions, we optimize the asset allocation by moving from one to the other
Updating the financial goals
We also periodically revisit your financial goals and update it for any change.
How Can We Help
Help in crystalizing goals and priorities
We help you in discovering your financial goals and priorities which are not clear to most of us. We also help you deal with your emotional biases while determining your financial goals
Bring about a discipline in investing
Based on our plan, you will be able to bring financial discipline in your life. You will ultimately be able to regularly save and build an investment portfolio commensurate with your financial goals
Balance between risk and return
Taking advantage of our experience , you will be able to create a balance between risk and return based on your risk appetite
Help in timely entry and exit
We understand the market and help you move assets from one class to another based on overall marlket dynamics
Benefits from collective experience and what worked with others'
You will be able to take advantage of our experience in helping many people achieve their financial goals. (What can and what cannot work with different type of people based on life stage, unique needs and risk-taking ability)
Financial independence in the long term
We ultimately help you in reaching a place where you don’t work for money but the money is working for you. And you are free to chase your dreams
Manage personal taxes
We help you in managing your portfolio in tax efficient manner and also take care of taxation matters including filing of your returns
We ultimately help you in reaching a place where you don’t work for money but the money is working for you. And you are free to chase your dreams
You will be able to manage your funds in a much better way and derive a better return looking at your short-term and long-term financial needs
Why customers trust us
Unbiased
We always give an honest advice which is best for you. We are not influenced by product sales and believe in developing a long-term relationship with the client
Unlimited investment choices
We suggest products based on your financial plan and our analysis of various products in the market but don’t limit you to those products only.
Believe in long term relationship
We believe in growing with our customers. Since we are looking for long-term relationships, we don’t mis-sell
Personalized
We invest time in you to understand your unique situation and then come up with a financial plan. We don’t have a standard product offering as needs and situtaions of each individual are very specific
Experienced
We bring a wealth of experience in dealing with financial products and various asset classes.
Confidentiality and Transparency
We maintain complete confidentiality on client matters. We are always transparent in client dealings.
Plans
Comprehensive Plan For Resident Indians
1) Holistic Financial Planning
We provide an integrated view of your current financial situtaion and help you in discovering your financial goals. We assess your current investments and elaborate their strengths and weaknesses. We determine the path towards your financial goals and advise on how realistic and achievable they are. We also suggest solutions based on our research which is tailored to your needs in an unbiased manner.
2) Portfolio Management
Based on our discussions you will choose the asset classes you want to invest in. We will then develop an asset-allocation and product allocation plan, and build your investments corpus while optimising the risk/return. We will continuously monitor the portfolio and suggest actions and changes entirely based on your unique requirements and market evolution. We will be always available to discuss your investments. At all points of time, you will have complete control on all your investments and we won’t have any control on them.
3) Tax Advice
We advise on financial products based on current taxation framework, plan on your advance tax and file returns on your behalf.
4) Estate planning
We help you in planning for transition of your estate to your legal heirs. We help you in drafting wills, creating trusts and other related estate planning matters.
This plan is useful for
Individuals and/or family. It is independent of your life stage, income or current wealth.
Within the comprehensive plan, we can also undertake one or a combination of services to address your specific needs.
NRI Services
1) Customised portfolio
We help in creating portfolios for NRI and OCI based on country of residency, citiizenship status. This is dependent on the availability of various investment products for NRI/OCI and its overall tax implications.
2) Taxation management
Based on your tax implications on Indian income, we plan for advance tax and also return filing in India. We also provide data for your abroad tax filing.
This plan is useful for
NRIs who want to invest in India or who have got Indian investments in their portfolio
About Us
Plutus has a single objective of enabling wealth creation for our customers. We achieve this through comprehensive financial planning advice and prudent investment advice.Our experience of more than 20 years in the financial market helps us in picking up the right asset and the right product based on customers’s risk appetite and stage of life.We are always available and help you take fully informed decisions based on your unique requirements. We service customers from all parts of India as well as Non-resident Indians who wants to continue to invest in India.