"Inivesh Wealth Advisory Services" expertise in providing all kind of investment solutions to its valuable customer.
There are many reasons to invest. You can create wealth, beat inflation, achieve financial goals like buying a car or paying for children education and your retirement. You can choose from many investing options. You can invest in Share Market, Equities, IPO's, Mutual Funds, PMS, Real Estate and other several asset classes.
We see investing from your perspective, and make recommendations based on actually listening to you and understanding your needs. One of our important goals is to simplify investing for you; along with this we also provide long term values to our customers.
With over 25 years in the industry we have noticed the subtle and gradual changes. It has been an evolution from opportunistic advisory focused on transactions to a more structured science revolving around asset management.
We then mapped these with gaps in the existing offerings, benchmarked global offerings and best practices. This marks a shift from a transaction based service to an advisory service. This is called Wealth Advisory Services and is structured to be completely aligned to you while remaining commercially viable. The key pillars of this service are that we are not driven by distribution dynamics and brokerages; we have a completely open architecture with no bias for or against any manufacturer. Most importantly we have expert resources and well defined processes & systems to meet your investment objectives.
Our services are not just a random walk approach, but rather a science of value-added applications of all current financial investment standards to derive the optimal portfolio customized for each individual. In short, it is quite a dynamic and technical process that is perhaps more time-intensive than selecting individual securities and ultimately yielding what we deem to be a far safer, cost effective and richer performing portfolio.
We subject portfolios to tactical asset adjustments in response to investors' Investment Policy Statement, correlation of asset classes, economic and market conditions in determining the mix of stocks and bonds in a portfolio.
iNivesh Wealth Advisory Services do not simply employ a Top-down / Bottom-up process; rather we blend all factors pertinent to the investors' goals/objectives with an optimum financially engineered portfolio composition. As such, allocation adjustments are made as frequently as necessary, reflecting both the investors risk tolerance, return requirement and individual constraints juxtaposed with the manager's interpretation of changing economic and market conditions and judgment as to asset types and sectors most likely to do well under evolving and volatile market conditions. Investor accounts also generally include allocation collars that limit portfolio concentration and risk.
Our Dynamic Asset Allocation methodology is a management process where portfolio advisors add value by changing a diversified portfolio's asset mix of following Products and Services -
Prior selecting any investment type we have made sure that our idea of creating wealth with a long term view for our customers gets prime importance.
As financial advisors and investment consultants, we believe in the following fundamental principals with regard to designing an investment portfolio and making specific recommendations. The purpose of a client's investment portfolio is to fund current and/or future financial objectives. The design of the portfolio must take into account the client's financial objectives, tolerance for risk, needs for current income or liquidity, and special considerations such as income and estate taxes. The appropriate allocation of investment assets for your goals and risk tolerance is the most important component in developing an investment portfolio. We believe that having a diversified, well-balanced portfolio, following long-term buy-and-hold strategies, and having patience, increases the likelihood that one will achieve their long-term financial objectives.
Diversification, rupee cost averaging, comprehensive portfolio reviews and analysis are beneficial methods of managing assets. Rupee-cost averaging has some advantages in a declining market--or, more precisely, in a market whose general direction may be downward but still has ups and downs.
We believe that low cost mutual funds that consistently perform above average against their peers are wise choices. We also recognize the importance of culling a portfolio from time to time. How do you create this personal financial plan? What makes Inivesh Wealth Advisory Services different is our commitment to working jointly with clients to produce a comprehensive, custom financial plan, enabling them to make wiser financial choices. First we focus on your goals, objectives, priorities and values.
For instance, the reduction of current and future income taxes may be an immediate goal, funding a quality education for your children and/or grandchildren may be an intermediate goal, and enjoying a secure financial future in your retirement years is likely to be one of your most important long-term goals. Another goal in life for some people is creating wealth and/or leaving a legacy for your chosen beneficiaries or charities. You may already be on the road to meeting these objectives and simply need a new strategy, professional insight, or to fine-tune your plan. You may just be starting out, or you may be somewhere in between.
Next, we collect detailed personal financial information and make a thorough analysis of this information: current financial situation, employee benefits, children's educational funding, retirement situation, pension and retirement plans, living estate, insurance and investment portfolios to produce a written financial plan with specific recommendations to achieve your goals. Then, we share the results with the client, who determines if the recommendations are sensible and reasonable. Once comfortable and satisfied with the final recommendations, clients take action or direct us to take the steps necessary to attain their objectives. Finally, to achieve the intended results, you must implement and monitor your plan. Your financial plan is a living document, reviewed periodically for progress and adjusted appropriately. Whatever your unique situation may be, everyone needs a periodic assessment of where they are on the road to meeting their financial goals. As a Fee-Based certified financial planner, we work with people based on their preferences and needs. Some may want a second opinion or help on a specific situation. Others would like more comprehensive, coordinated financial advice.
We assess the risks you face in the areas of life, health, disability, long-term care, auto, home and personal liability. We also make recommendations regarding appropriate coverages, carriers, limits and deductibles.
We review your tax returns, analyze your current and projected income tax exposure, and make recommendations on how to reduce your future income tax liability.
We project your cash flows from now until the end of your life expectancy using Monte Carlo simulation software), which allows us to determine the probability that you will reach your financial goals. If the probability is too low for you, we can show you the effect that different changes you could make in your life (such as how much you save per year, when you retire, and how you allocate your portfolio) would have on your odds of success. We also provide recommendations regarding contributions, rollovers and conversions to traditional and Roth IRAs, and payout options from retirement plans and Social Security. Additionally, we help self-employed clients establish their own retirement plan.
We thoroughly analyze your current portfolio, provide an extensive review of the capital markets, help you develop investment objectives, write a detailed investment policy statement, and design a recommended portfolio of specific mutual funds. During this process, we show you how to eliminate unnecessary risk, minimize taxes and expenses, and generate any currently needed income. We also provide recommendations on credit card debt and any auto, home, personal or business loans.
We design a plan to achieve your estate planning objectives, such as minimizing estate taxes while ensuring that your estate will be distributed according to your wishes. We ensure that all the necessary estate planning documents (wills, beneficiary designations, trusts, powers of attorney, etc.) are present and in order. We also review any current liquidity or business succession plans and make recommendations as appropriate. We remain available for one month following the delivery of your financial plan to answer any questions you may have and to assist with the implementation of the recommendations.
We have found our fee-based practice to be quite competitive given the comprehensive financial, retirement and estate planning services provided. Indeed, we employ a sliding scale fee structure that rewards clients with an incrementally lower fee percentage as their assets grow. After analyzing client financial portfolios and implementing composition changes to achieve a dynamic passive investment style, we have also found that the reduction in our clients’ existing maintenance expenses from the pre-existing portfolio typically offsets the cost of our fees. Clients that have retained I NIVESH Wealth Advisory Services often find their overall costs decrease as we shift to a dynamic asset allocation style of applied exchange traded and index funds - again, studies show that over 90% of the return is attributable to proper selection of and allocation between asset classes, our specialty. In the end, our clients’ risk-adjusted return typically increases, their financial plan is established and all their retirement needs are served to the best of our ability. As your financial partners, we are engaged as active participants in every financial decision, from your retirement strategies, house, car, to your children’s educational needs.
Annual Fee Schedule:
Charges for Advisory Services being offered to Individuals.
| Investment Advisory Fees (Yearly) | Rs. 12000 |
|---|
| Account Type | Total Value of Portfolio | Advisory Services Charges | |
|---|---|---|---|
| Standard | Upto Rs.5,00,000 | 5% | |
| Classic | Rs.5,00,001 to Rs.10,00,000 | 4% | |
| Silver | Rs.10,00,001 to Rs.25,00,000 | 3% | |
| Gold | Rs.25,00,001 to Rs.50,00,000 | 2% | |
| Platinum | Above Rs.50,00,001 | 1% | |
| Premium Advisory Services | Upfront | Value %Sharing | |
| 2% | 75-25 | ||
The fee for ongoing financial planning services is a flat rupee amount that is also based on the complexity of your situation and our estimate of how much time it will take us to provide services to you. The fee is billed annually and is payable at the beginning of each billing period.
Processing..Please wait