Investment Advisory
- Equity is supposed to make you rich, but more importantly it is supposed to make you free.
- Risk does not get you returns. Risk management does.
- There are ups and there are down. Volatility is part of the journey. 90% of returns in the portfolio are made by just staying invested.
- Continuous Buy-Sell, Buy-Sell, Buy-Sell is a sure shot way to losing sanity and money.
This, in essence, summarises the investment approach.
The key to do this is Discipline, Focus and Consistency.
“राह पकड़ तू एक चलाचल, पा जायेगा मधुशाला “
(Choose and walk one path and you shall find your destiny / destination. )
– excerpt from “Madhushala” by Shri Harivanshrai Bachchan
With a custom defined strategy in line with your expectations, we design a portfolio of investment instruments and allocate money to them.
An ongoing monitoring and review ensures that the portfolio continues to align with your expectations.
A combination of passive/active strategy and dynamic allocations works to maximise risk-reward for your portfolio. While the top level asset allocation strategy drives most of the portfolio, tactical opportunities too can be used once in a while when the market offers them.
Rebalancing happens, ideally, once in a year. However, there is a review, once in 6 months.
The fee for this service starts at Rs. 20,000 + GST.
Who am I?
I am a fee-only financial planner and a SEBI Registered Investment Adviser. I have worked with more than 500 clients over the last 18+ years. Linkedin Profile
I am happy to help you uncover these aspects of your investments and personal finance. I am willing to work with you to build a plan that structures your investments, creates focus, generates behavioural alpha and helps you achieve your financial goals, faster.
Fee Details – Only fee, Commission free, totally aligned towards a long term relationship,.
Upto Rs. 50 lakhs portfolio: Rs. 20,000 + GST per year
For every additional Rs. 50 lakh slab, fees goes up by Rs. 10,000 + GST per year
Example: If in a year, your portfolio is Rs. 90 lakhs, the fee will be Rs. 30,000. If your portfolio is Rs. 2 crore, your fees will be Rs. 50,000 for that year. For a portfolio of Rs. 5 crores, the fees will be Rs. 1.1 lakhs. GST applicable.
Let’s talk
Write to me at vipin@unovest.co or call me at +91 99203 71082. It would be great to know about you, your work, what’s important to you and what are you looking to achieve with your investments.
Don’t feel ready yet? Stay in touch with the blog/newsletter where we share several insights through the monthly LightHouse edition.
Read about Investment Problems of an HNI
Client Experience and Testimonials
Vipin plays his role of an advisor to perfection. While I have been investing in MFs for long and have accumulated some knowledge in the process, interacting with Vipin took the discussion to the next level.
Narendranath Baliga, CFO & VP, Finance & Corporate Processes South Asia at BASF India Ltd, Mumbai
He has the maturity to guide you in the direction you want to go (without overbearing), always patiently highlighting the pros and cons of such a move. He being a fee-only advisor, you can be sure of getting unbiased opinion. The periodical blogs are also a good source of information on relevant topics.
To summarise, it is an engagement worth many times the investment in fees.
I have been working with Vipin and have been impressed by his knowledge and advice, and by his tendency to share his insights with people who aren’t paying him, on his blogs, as opposed to people who have a zero-sum view of the world.
Vaddadi Kartick, Developer @Noctacam, Ex-Google, Bangalore says
Vipin is analytical and data-driven, and is ready to say that he doesn’t know something when he doesn’t, rather than blustering his way through.
Vipin has been helping me improve my investments, insurance, financial planning, retirement planning and managing my expenses.
I know a lot about investing, but still benefitted significantly from Vipin’s advice. I think that no matter how good you are at investing, you’ll benefit from an expert’s advice.
I recently moved from the US to India and was looking for some financial advice on how to go about investing in India. Given the number of Mutual Funds and other financial instruments available in the market, this was a daunting task.
Sriram Saroop, Product Manager, Google, Bengaluru
I came across Unovest from the insightful blogs that Vipin writes. Based on the initial conversation with Vipin, I signed up for a Financial plan. Vipin made me think through my overall life goals and understand my current financial situation with a lot of rigor. He then helped me understand where I currently stand and where the gaps were. He then suggested clearly actionable next steps spanning insurance, consolidating investments, removing investments that didn’t make sense, reallocating funds towards the right asset allocation etc.
Finally he gave a clear and solid investment plan that provides good diversification across asset classes, market segments with little portfolio overlap. Overall, I feel Vipin provided me a lot more clarity on where I currently stand and how I should go about investing both my current wealth and future income to work towards financial freedom and my longer term goals. His rigor, insights, no-nonsense approach and ability to provide personalized advice makes him stand out. I would strongly recommend Vipin to anyone who wants to get their finances in order.
Before meeting Vipin in his earlier office in New Delhi, sometime in 2006, I used to invest a lot in FDs and NSCs and considered them to be an effective money multiplier.. feeling happy. However, thinking horizon was limited. The entire rationale got changed after understanding what is SIP, financial planning for individuals, goals setting, expectations and how easy is to meet them in a planned manner with few simple but committed actions.
Sanjeev Arora, Financially Independent, Ex-Head – Supply Chain Management at American Towers, Gurgaon
Mutual funds investments are absolutely safe and has a major role to play in financial future planning of individuals ageing 16 to 60 irrespective of what profession they are in, salaried or business or even retired. In fact, no other option is left.. One should talk to an expert and understand it today; sooner the better.
My finance portfolio got transformed after meeting Vipin, even after passing through 2 significant market crashes and recession phases, it withstood well and kept paying a handsome return. Mutual fund Investment with long term plan, meticulous and with patience will pay us more than we expect from it, that is what I have experienced in last 9 years. Enjoying it further…
It will not be fair if I do not thank Vipin for doing almost everything for my financial planning with his HONEST advice. Now I know what do I want, how it can be achieved and by when.
I have known Vipin as a financial advisor for more than a decade. An astute professional, Vipin brings to the table supreme competency, understanding of the business environment & business drivers, unflinching responsiveness to the customer and a supreme skill to craft a financial plan that stood for me year after year, every time. I am making a very binary statement here. I have always gained from Vipin’s advice and attribute his advice to be a major factor in my asset building activities over all these years.
Dipanjan Das, CEO – GreyCells18, Network18
I had a financially empowering experience with Vipin. I was pretty much confused when I had decided to invest in Mutual funds but Vipin along with Unovest’s goal oriented approached help me invest the right amount at the right place and most importantly for a purpose. As I communicated the many questions I had, I could see how deep Vipin’s financial assessments ran. At this point in time, my decision to seek his professional advice has given a good kick start for my investments.
Piyush Dhimate, Specialist – Product Development at FIS
I had been a victim of bad financial advice from friends and family until I accidentally landed on blogs by Vipin on Unovest. My financial strategy has totally changed after that. Genuine and thought-full advice which I get through Unovest along with its unique reporting features gives me more comfort & control about where my money is going and how it’s performing. Now I am moving to do all my transaction and tracking from Unovest only. This trust with Vipin & Unovest has actually encouraged me to double my investments since last year so as to secure my future financially.
Sahil Wadhwa, Lead Application Developer at Equal Experts
I first got acquainted with Vipin over a decade ago when he was a part of the financial advisory firm I had enlisted for my personal finances. I am privileged to have him as my Financial Advisor and in many ways, my life coach!
Nakul Gupta, Sales Director, South Asia at GE Aviation, Singapore says
Vipin’s greatest strengths are in-depth research and communication skills. Being a voracious reader and natural networker, he has a vast body of knowledge to draw upon while proposing financial solutions to meet one’s goals. He particularly endears to me due to his simple demeanour and “genuine” intent to help rather than pursue any selfish vested interest. When he makes recommendations, they are never based on gut feel, rather are data backed and emerge as the outcome of weighing pros and cons of several potential options.
As is evident from his blog, his writings are easy on the eye and stimulating for the brain. He is equally lucid in verbal prose. He explains his thoughts in a simple, straight-forward manner that is easy to comprehend.
In the past few weeks itself, he has helped me make subtle changes to my portfolio (including loans, insurance, mutual funds, debt funds and real estate) to yield significant benefits in the short and long term. Further, he has enlightened me on many new books, apps, etc not just in the financial domain. Thank you Vipin for becoming a precious partner in my success!
We have greatly benefited, both financially and otherwise, from this association.
Dr Saifuddin Kharawala & Swati Rajput, Consultants, Navi Mumbai
We have enjoyed our interactions on a personal level. In terms of the financial advice, we have benefited from your clear organised approach. We did not have a clear idea of what to do with our savings, and your advice has helped to educate us and to provide direction.
While the financial analyses involved may be slightly complex, your concepts are simple, logical and straightforward; and your advice has been tailored to our risk appetite and our requirements. With your recommendations, our money has definitely been put to much better use than before! In this world where financial predators abound, its been great to have an informed friend on our side 🙂
