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Financial Planning

Do you picture yourself owning a new home, starting a business, or retiring comfortably? These are a few of the financial goals that may be important to you, and each comes with a price tag attached. That

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Financial Planning

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  1. ELITE WEALTH MANAGEMENT LTDFinancial Planning SolutionsIntegrating the Future Planning & Current Priorities

  2. About Us Incorporated in 1990, Elite Wealth Advisors Ltd. is member with NSE, BSE and a SEBI Authorized Portfolio Manager. Mr. Ravinder P Seth, the “Founder & Managing Director” of Elite Wealth Advisors Ltd. has a rich experience of over 25 years in the financial markets and is acclaimed of steering the organization for providing right minded and profitable financial services with a firm belief of making “people’s money work for them”. Since inception, Servicing has been a core focus of Elite Wealth. Our Elite team consists of service oriented people with an Individual Centric Approach.

  3. Elite Wealth Group Strength • One of the leading integrated financial services groups of India. • Broad spectrum of services and in-depth expertise across a wide range of sectors. • Clientele base of more than 50,000 and growing, across the retail, wealth and Institutional spectrums. • Premium advisory services based on technical & fundamental views and strategies in both equity & derivatives segments. • Width and depth of management leading a formidable employee base. • Continue expanding network of 250 business locations across India (Owned & Business Partners).

  4. Unstable Asset Portfolio - Need to Stress You would like to provide financial security to your self and your loved ones but without having any written financial plan, You shall face these worries:- You can be STRESS – FREE if your Portfolio is STABLE.

  5. Need–Financial Planning Without Financial Planning is like Unplanned Vacation therefore you need it for:- • To fund your future needs through right mix of investments. • To protect your future from unforeseen contingencies. • To maintain the same standard of living after the retirement also. • To enable risk management through diversification. • To beat the ravages of inflation. Therefore, “ A good Financial Planner is one who understands your future requirements along with your emotional connectivity, sensitivity and has the ability to evoke trust and respect from the customer”.

  6. Building Blocks – Financial Planning

  7. Goals of INVESTMENT Child’s Education & Marriage Build Financial Security for your Family. Creation of Wealth – For Family Money for Emergencies An Independent Retired Life Legacy for future generations

  8. Process – Financial Planning Financial Planning is a disciplined process of framing objectives, policies, procedures, programmes and budgets regarding the financial activities and goals of an individual.

  9. Three Parameters to Check For Financial Planning GOAL or OBJECTIVE Must be linked with Emotions and not LOGIC only.. RISK APPETITE Define the clearly, Don’t Expect 100% Return at 10% Risk Time Horizon Define the investment for short term & long term.

  10. Objective – Financial Planning Portfolio Engineering or Investment Portfolio is fully customized as per Investor’s Goals and Risk appetite.

  11. Investment Choice Selection of Investment Avenue would be determine as per the Client’s Risk profile and accordingly design appropriate Asset Allocation with regard to the life stage.

  12. Asset Allocation Avenues

  13. Asset Allocation at Different Life Stages On the basis of life – stages, develop three different Asset Allocation Stages to accumulate the Wealth.

  14. Asset Creation Stage • Investor Age – 27 – 35 Years. • Financial Goals – • Planning to purchase a house in next 5-8 years. • Planning for family in 2 Years time. • Creating long – term wealth for retirement. Investment Strategy Aggressive Growth Portolio

  15. Asset Management Stage Investor Age – 36 to 54 Years. Financial Goals- • Has a Housing Loan. • Providing for Children Education (7-10 Years). • Planning for Child’s Wedding (15- 20 Years) • Take care of old Parents. • Planning for Retirement. Investment Strategy Balanced Portfolio

  16. Asset Preservation Stage Investor Age – 55 Years & Above Financial Goals • Regular Income to fulfill the basic needs. • Medical Cost • Legacy for Future Generations Investment Strategy Conservative Portfolio

  17. Importance -Asset Allocation • Asset Allocation allows building of portfolios bearing in mind in respective and specific financial goals. • The goal of Asset Portfolio is to spreading assets across different types of investment products and to provide the targeted return balanced with your risk profile. • A diversified portfolio can help capture the gains within asset classes . • The Asset Allocation portfolio allows to benefit from market movements and rebalancing also helps to smooth out the effects of market volatility. • Maximizing returns without sacrificing too much on potential gains over a longer time horizon.

  18. Financial Planner –Thumb Rules • Aggressive Investors should hold stocks , Conservative Investors should hold bonds. • Long -term Investors can afford to take more stock market risk than short – term investors.

  19. Relationship – Risk & Return

  20. Benefits of Elite Financial Planning 1. Assess your financial situation by helping you track income and expenses, establish an emergency fund, and determine your overall net worth 2. Save for major expenses like funding a child's education, buying a house or car, or developing a cash reserve for special occasions like weddings and vacations 3. Plan for your retirement by estimating your retirement income and expenses and the value of government programs. Then you can begin to determine the amount you need to save to meet your retirement goals. 4. Assess your risk tolerance and develop an asset allocation strategy. 5. Plan to reduce your taxes, project the effect of income taxes, and develop a tax-deferred strategy 6. Protect you and your family against financial crisis should you become disabled or die. 7. Plan your estate to ensure your assets are distributed the way you desire, fund estate taxes, and minimize their effects where possible.

  21. Overview – Financial Planning

  22. Contact us For Any Query, Call Us :- 9650901058 Email Id :- marcom@elitewealth.in Address :- Elite Wealth Advisors Ltd. S-8, DDA Shopping Complex, Mayur Vihar Phase 1 Delhi - 110091

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