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Comprehensive Financial Plan I @ INR 12,000 (including GST),
Renewal @ INR 7,000
Deliverables

  • Analysis of current financial situation (income, savings, assets, liabilities)

  • Risk Profiling

  • Life insurance calculation and policy recommendations

  • Health insurance requirements and policy recommendations

  • Comment on current tax planning

  • Recommend asset allocation based on age and risk profiling

  • Suggestion on Mutual Fund schemes and other assets to achieve financial goals

  • Goal discussion and planning for 2 to 3 goals

  • Retirement Planning

Ideal for Clients

  • With limited knowledge of personal finance or;

  • Who have just entered the workforce or just started with their savings or;

  • Having networth of less than INR 2 crore or;

  • Having annual income less than INR 25 lakhs or;

  • Clients who want a second opinion or;

  • Clients that have higher income (more than INR 25 lakhs) and assets (more than INR 2 crore) but are looking for affordable financial solutions

What will you Get  

  1. One Telephonic call and 2 virtual sessions on Microsoft Teams

  2. Written Report - please email us to get a sample report

  3. Access to our in-house Mutual Fund model (demo video below) where you can analyze MF schemes on parameters of XIRR, Rolling Returns, Corpus creation, drawdowns, etc over different time periods

I take Clients through this model in our sessions and a few Clients have requested access to it due to its ease and utility. We can take you through this in a 30 minute introductory demo call

Sample of comparison between two funds. The same file can be used for comparison between funds within same category of funds between different categories. Clients get access to this file during the course of the engagement.

Demo Video

Comprehensive Financial Plan II @ 24,999 (including GST)
Renewal @ INR 15,000
Deliverables

  • Analysis of current income & expenses

  • Assessment of current assets and liabilities

  • Risk Profiling

  • Working closely with the Client to develop future stream of cash flows

  • Identify gaps if any related to life and health insurance needs

  • Recommend life and health insurance plans

  • Suggest measures to increase income through effective tax management

  • Comment on current Asset Allocation and prefered allocation based on age and risk profiling

  • Review of current MF portfolio and other investment products Client is invested in

  • Suggestion on Mutual Fund schemes and other assets to achieve financial goals

  • Plan on how to achieve short term and long term goals

  • Retirement Planning

Ideal for Clients

  • Having networth of more than INR 2 croreor;

  • Having monthly income of over INR 2 lakh or;

  • With single income and multiple dependants or; 

  • Expecting to receive wealth through gift or inheritance or;

  • Looking to build a corpus toward retirement in the next 5 to 10 years

What will you Get  

  1. One Telephonic call and 3 to 4 virtual sessions on Microsoft Teams

  2. Written Advise

  3. A Personalized Financial Model in which Client can change variables to see impact on his goals and corpus

  4. Access to our in-house Mutual Fund model where you can analyze MF schemes on parameters of XIRR, Rolling Returns, Corpus creation, drawdowns, etc over different time periods

We can take you through the financial model and our MF model in a 30 minute introductory demo call

YOUR PERSONAL FINANCE MODEL

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While a PDF report provides you a roadmap and actionables for the next 1 year it does not answer questions such as:​

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  • What if returns are lower than expected??​

  • What if there are unexpected expenses??​

  • What if I lose my job and do not have income for 2 years??​

  • What if I take more risk and allocate a higher proportion to equity? Is it worth the risk?​

  • What growth rate in income do I require do retire 2 years earlier than planned?​

  • When can my spouse retire?

  • Can i afford to upgrade my lifestyle??

  • Even after meeting my financial goals, can I still reach my desired retirement corpus??

  • Can changing my withdrawal plan allow for the corpus to last more years?

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Our proprietary Excel Model assists you with:​​

  • Running multiple scenarios changing variables of income, expense, assets, goals, ROI

  • Take Buy vs. Rent decision

  • Mapping goals with assets

  • Run rebalacing scenarios

  • Determine Retirement corpus at different age and corpus achieved

  • Model your expenses based on projected lifestyle

  • Projection of your networth, income and expense ​

 

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Client and Spouse Details

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  • Current age and planned retirement age

  • Annual Income and expected growth (linear or non-linear) 

Annual Expenses

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  • Category-wise expense estimation with inflation 

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Expected Lifestyle Changes

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  • Add expenses that may increase in future 

  • Remove expenses that are expected to go away 

  • Makes the model dynamic and realistic

GOALS

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  • Plan for upto 8 goals

  • Map goals to one or multiple assets

  • Select if goal to be taken on loan or 100% upfront payment

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Withdrawal

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  • For people in retirement or approaching retirement, see impact of annual withdrawal from different assets

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ROI

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  • Change projected ROI for each asset and see impact on your projected corpus

MODEL OUTPUTS

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Customized Plans

  • Clients may require assistance in areas including but not limited to:

    • Mutual Fund Portfolio review​

    • Handling entire mutual fund portfolio including implementation and monitoring

    • Estate Planning

    • Financial Planning for their dependants, etc

  • Please contact us with your specific needs and we can offer you a quote for what services we can provide​

  • Please note, the charges for customized plan would be above INR 25,000 per annum, and hence is suitable for Clients having an investable surplus of atleast INR 1 crore and above 

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Note: Both the plans would be for a period of one year. In Plan I, Client can do 2 follow up after plan preparation and in Plan II Client can reach out anytime during the engagement.  

 

Note: The above page has been approved by BASL under advertisement code for Investment Advisers under application # 15891

Comprehensive Plan I Process

  • A contract would be emailed detailing out the terms of our engagement

  • Once client is satisfied with the contract terms, Client proceeds with contract signing, providing documents for KYC verification and fee payment

  • An excel sheet will be emailed in which Client needs to fill in details of his income, expense, assets and liabilities

  • A separate excel sheet will be sent to carry out mandatory risk profiling

  • After analyzing the data a call would be held with the Client to obtain clarifications on the base data filled in the excel sheet, along with discussion on the goals and objectives

  • The data would be analyzed by us over the next few days to come up with suitable plans and course of action for the Client

  • A virtual call on Microsoft Teams would be held to discuss initial recommendations on insurance and goals. We will also take Client through different Mutual Fund categories available for investment and their returns, risks, suitability for different goals. Client feedback would be sought on comfort in investing in various assets.

  • A second virtual call on Microsoft Teams would be done to present the final plan along with schemes and assets to invest in. Client also utilizes the call to address any queries from data presented in the previous call 

  • A report would be issued summarizing the recommendations provided over virtual calls

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  • A contract would be emailed detailing out the terms of our engagement

  • Once client is satisfied with the contract terms, Client proceeds with contract signing, providing documents for KYC verification and fee payment

  • An excel sheet will be emailed in which Client needs to fill in details of his income, expense, assets and liabilities

  • After receiving the excel, a detailed discussion would be done with the Client. The discussion would be primarily to fine tune all the data provided by the Client, ensure all relevant expenses, income, assets and liabilities are included. Also, need to discuss feasibility / need to include income / assets of parents, spouse or dependents.

  • After ensuring data relevance, detailed discussion is held on goals and priorities of Client and specific areas / goals he is most interested in

  • Post analyzing all information and research, 3 to 4 virtual calls on Microsoft Teams would be held with the Client where we would take the Client through various excel sheets that cover relevant financial topics for the Client and then discuss the financial plan for the Client

    • Virtual Call 1: Discussion on term insurance and health insurance​

    • Virtual Call 2: This call focuses us on our presentation on Mutual Funds investment and taking Client feedback on his risk appetite for different kind of mutual funds 

    • Virtual Call 3: Here we build an entire financial model for the Client taking his inputs on projected income, expense and Goals along with discussing retirement corpus

    • Virtual Call 4: The entire plan is presented and discussed which would include asset allocation, assets and mutual funds to invest in for achieving goals and timelines for investment

  • Client can reach out during the course of the engagement for any additional queries

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Comprehensive Plan II Process

Shwealth is the investment advisory arm of Jay Distribution Links. Jay Distribution Links is registered with SEBI as a RIA, registration number
INA000019062. BASL registration number 2153. Shwealth is a separate department of Jay Distribution Links that provide fee only financial advice. 
Please note:
1) Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
2) Investment in securities is subject to market risks. Read all the related documents carefully before investing.

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