Knowing your risk appetite is important to plan your finances. We have come across people who make many millions a year, and invest all their money in insurance endowment policies or fixed deposits! We have also come across people who make just enough to survive, but invest all their money in the stock markets! Both are opposite ends of the wealth destruction spectrum.
This is clearly a problem of not knowing your true risk taking ability. Most individuals either overestimate or under-estimate their risk taking ability. To address this situation, we have developed a proprietary algorithm that comes out with the recommended asset allocation.
Portfolio Management Services
There are no additional charges that Tequity levies for Portfolio Management. We add value by helping you select the right fund. The client is free to select the fund of his/her choice.
How it Works?
Get in touch with is through email/ website
Email us the filled portfolio evaluation matrix & payment confirmation
We send you our portfolio evaluation matrix
Make payment for the selected service
We provide the comprehensive financial plan as committed
A financial plan to allocate funds to your objectives
Review of your health and term insurance (Don't worry, we are not here to sell you endowment policies. We understand the time value of money!). Most people are under-insured. We'll let you know if you too are, and recommend the right health/ critical illness/ term insurance plan for you
Percentage asset allocation between Gold, Equities, Bonds & Real Estate: Extreme asset allocations like 100% real estate or 100% equities are quite common in our country. We will recommend the ideal mix for your risk appetite and financial objectives.
List of mutual funds to be considered: There is no one size fits all approach in mutual funds. We recommend you the appropriate categories to be invested in
Frequently asked questions
What is the need for financial planning?
Financial planning helps an individual in getting a reality check of his current financial situation and helps in planning accordingly to achieve future financial goals. In the absence of financial planning, one may just keep investing in one asset class without having knowledge about other emerging asset classes. A detailed financial planning session with an experienced advisor helps in opening up your mind and enables you to make better decisions.
Gold vs. Real Estate vs. Financial Assets
Financial Assets are those which do not have a physical presence. Your money parked in fixed deposits or stocks or bonds is a financial asset.
What should be the ideal asset allocation?
Asset allocation is a topic that is personal to an individual's financial situation and goals. Hence, there is no one size fits all approach. Factors on which asset allocation depends are:
Ability to take risks
Willingness to take risks
What does a Financial Advisor exactly do?
A Financial Advisor operates systematically and helps you in making sound investment decisions. The process followed is as follows:
Understanding the current financial situation: An Investment Advisor will understand the current state of affairs of your finances. S/He will ask you for your current asset allocation in the form of Gold, Real Estate, Financial Assets.
Goal Setting process: The advisor will have a detailed discussion with you and help you write down your financial goals. Goals are quanitifiable plans like childrens' education, buying a luxury car, saving for an exotic vacation, retirement planning, etc
Risk assessment: An Investment Advisor will evaluate your ability and willingess to take risks. Assessing the risk appetite of an investors is a skill that an advisor develops over a period of time.
Suggesting appropriate investment options: Once the goal setting and risk profiling are done, the advisor will suggest suitable options to meet those goals. A goal with high aspirations and low necessity (buying a luxury car) will be assigned to a risky investment. Whereas, a goal with high necessity(child education) will be fulfilled with safer investment options.