Goal Based Planning
Secure Your Future by Aligning Your Investments with Your Aspirations
Let me ask you a few questions
I’m Vipin Khandelwal, a SEBI Registered Investment Adviser
With 21 years of experience helping individuals and families make the best possible decisions with their money and reach their financial goals faster. I would be happy to work with you one-on-one to ensure that your investments are aligned with your goals, allowing your portfolio to not only work hard for you but also let you sleep peacefully at night.
If you’ve answered yes to any of these, you’re not alone. Each of these issues can lead to an underperforming portfolio—not just in terms of returns, but also in terms of what your money could be doing for you. But with the right advice, you can do better.
Do you feel that your approach toward your money is not structured?
Do you ever feel lost when you look at your investment portfolio?
Do you find it difficult to build conviction in your investments?
Are you unprepared for your future financial milestones?
Is your money just sitting in the bank, not working as hard as it could be?
Build a Plan that Serves Your Goals and Makes Your Money Work Harder
Money, by itself, has no meaning unless it helps you achieve your goals and enables a fulfilled and meaningful life. Financial Planning is the exercise of mapping your money to your life goals. It helps answer the most important question: What do you want your money to do for you?
Through this engagement, I focus on understanding what is important to you, what you want out of your money, and your investments. This leads to identifying your financial goals and setting clear priorities. Once your goals are clear, we will:
Analyse and Strategise: We will determine the best strategy to reach your identified goals, including asset allocation (where to invest).
Select Investments: Identify the most suitable investments to execute the strategy, with appropriate risk management.
Review Existing Investments: This includes a thorough review of any existing investments. If there’s any "junk" or poor-performing investments, we’ll devise the best way to address them.
Insurance Review: Understand how to protect yourself and your dependents adequately using life, health, accident, and disability insurance.
OUR APPROACH
Align Your Portfolio with Your Life’s Milestones
Our Goal-Based Financial Planning service is designed to be comprehensive, personalised, and deeply responsive to your changing needs. Here’s what you can expect:
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Holistic Planning
We consider every aspect of your financial life, ensuring your plan addresses all your needs, from short-term goals like saving for a vacation to long-term objectives like retirement planning.
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Personalised Strategies
Your financial plan is tailored to your unique circumstances. We don’t believe in one-size-fits-all solutions; instead, we create strategies that reflect your individual goals, preferences, and financial situation.
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Ongoing Support
Life is dynamic, and so are your financial goals. We provide ongoing support to ensure your plan remains aligned with your changing needs. Regular reviews and adjustments are part of our commitment to helping you stay on track.
Once the plan is finalised, the next step is taking action on it. We’ll draw up a checklist of all action points and guide you through each step. More often than not, those who engage with this service realise they can do more with their resources than they initially thought.
Tailored Solutions for Your Financial Milestones
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Goal-Based Planning with Mutual Funds
Start your savings and investment journey with a solid foundation. This service includes:
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Goal-Based Financial Plan: Tie your assets and investments to specific money milestones in the future.
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Feasibility Analysis: Understand the feasibility of achieving your future milestones.
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Insurance Review: Comprehensive review and recommendations on life, health, accident, and disability insurance.
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Action Plan: Organise your portfolio for growth, income, capital preservation, and retirement using mutual funds only.
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Multiple Discussions: Ensures thorough understanding and clarity on your plan and course of action.
Fee: Starts at ₹30,000 + GST as applicable.
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Comprehensive Planning (Multi-Asset)
For those seeking a more diversified approach, this service provides a multi-asset portfolio with custom investment advice designed to help you build wealth and achieve your financial goals:
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Complete Goal-Based Financial Plan
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Full Investment Portfolio Review: Including tax planning for investments.
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Insurance Review: Detailed review and fresh recommendations for life, health, accident, and disability protection.
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Investment Scenario Analysis: Including international investments for NRIs.
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Support in Creating a Will: Ensuring your legacy is protected.
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Detailed Action Plan: Including switching existing investments and research on alternative asset classes.
Fee: Starts at ₹60,000 + 18% GST.
EXPLORE OUR OPTIONS
Frequently asked questions
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We recommend reviewing your plan at least once a year or whenever there is a significant change in your financial situation or life goals. Regular reviews help ensure that your plan remains aligned with your objectives.
That’s okay. We can help you identify and prioritise your goals based on your values, lifestyle, and financial situation. Our process is designed to bring clarity and structure to your financial planning.
Yes, we offer one-time planning services that provide you with a comprehensive financial plan. However, ongoing support is also available if you prefer continuous guidance and adjustments.
Yes, we offer fee-based hourly advice for clients who need specific guidance on particular aspects of their financial plan without committing to a full-service plan. This starts at Rs. 7,500 per hour.
Absolutely. We can help you set up a systematic investment plan (SIP) that aligns with your financial goals and risk tolerance. This is an integral part of our goal-based planning service.
Yes, we evaluate your existing investments and integrate them into your new strategy, ensuring your portfolio is optimised to achieve your goals.
Yes, diversification is a key component of our investment strategy. We ensure your portfolio is balanced and diversified across asset classes, industries, and geographies to manage risks.
FAQ's
Let's Connect
Your financial future is too important to leave to chance. Whether you’re just starting your investment journey, looking to refine your financial strategy, or seeking expert advice on achieving your life goals, we’re here to help. Your journey to financial freedom starts with a conversation. Let’s discuss how we can work together to build a financial picture that truly fits your goals.
Vipin Khandelwal is a SEBI Registered Investment Adviser with Registration no. – INA000003643 (Oct 14, 2015 to Perpetual); BASL Registration no. - 1517 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.
Investment in securities market is subject to market risks. Read all the related documents carefully before investing.
See our SEBI Disclosures