Simplify your portfolio and increase behavioural alpha by 10x
[Special Subscription Offer till May 31, 2020 – Get Rs. 5,500 off!]
Hi, This is Vipin again. If you are here today, I believe you are asking these questions to yourself.
#1 How can I stop taking random decisions and have a simple, structured approach to my investments?
#2 How can prepare my mind to ask better questions to evaluate what is right for my money and not fall for the what is hot now?
#3 How can I claim my financial freedom, my time for myself and things that I love to do?
I completely understand what you are going through.
Putting two and two together
As an Investment Adviser, I have worked with hundreds of individuals over the past several years.
I am astonished to see that these otherwise well-meaning, smart people. On the one hand they make great progress with their careers, on the other hand, they have a shallow approach to money and investments. Even they are not immune to the ‘yield chasing’ behaviour.
We seek ‘advice’ from friends, family, colleagues, even strangers on social media, hoping that someone will throw across that map or make that recommendation that will sail you through. Alas, it doesn’t work.
As I thought through this, the one big reason I identified was that we are actually never prepared to deal with “money”. All our emotions and actions related to money are driven by what we see around, what is peddled by headline seeking media and the commission chasing bankers who never fail to paint a rosy picture of the future.
Then the ticker of the stock market keeps us busy on a moment to moment basis and we just fail to come out of that addiction. We fail to take it account the real things, the important things, the things that matter to make money compound over years and build wealth. We forget what is risk because we never talk about it meaningfully.
Unfortunately, our education, which fails to prepare us for even jobs, cannot be expected to prepare us to handle money or investing.
No one taught us what to do after the “income” is in. The lack of training leaves the money free to go anywhere, mostly to the point of no return.
This is really heartbreaking.
If you are in your 30s or 40s, you are looking at another 40 to 50 years of investment decisions. You must use this period to push your wealth creation efforts and achieve your financial goals, sooner than later.
All that you need is the right amount of advice, tools and confidence. I offer to you – Insider Plus.
This is what Girish from Bengaluru and an Insider Plus subscriber says:
Being a Insider plus member helped:1. in PERSONAL finance – articles Vipin writes helped me in planning for my goals using asset allocation, sticking to the plan – dos and don’ts, especially useful during challenging times like in 20202. in Fund selection – funds suggested are well researched and has unique style/strategy3. in saving my time and having peace of mind – it is a one goto place for all my personal finance needs instead of relying on random suggestions from friends, family and countless articles in internet sometimes misleading or contradicting each other.
With Insider Plus, this is what you get:
# Building your very own financial plan
All good investment decisions are based on a sound financial plan, which should help you answer the following questions.
- How adequately am I protected?
- Am I saving enough?
- Will I successfully reach my goals?
- When can I retire? Or become Financially Free?
- How Long will my Retirement Portfolio last?
- How much am I likely to leave behind?
- Is my portfolio diversified enough?
- How can my spouse and I be on the same page with our money?
When you seek answers to the above questions, you bring a structure to your finances and investments. Think what an Architect does before you even start the work on the foundation of your house.
With Insider Plus, you get access to a defined and structured financial planning model that works in Excel. You can simply find out what will it take to increase the chances of achieving your financial goals. The financial planning model will help you find the gaps and point out very specific areas that you need to work on.
This covers insurance (life, health, disability), emergency funds, savings, retirement planning and other life goals.
It is as simple and actionable as it can get.
#Interact and Ask Questions – The Most Important Thing
The best part about Insider Plus is that you are not left out on your own to look at content and no one to guide.
While there is whole lot of guided content, the biggest highlight is that you can always ask your questions. With Insider Plus, you resolve your doubts, bounce your ideas, take a second opinion about your decisions on investing, asset allocation, insurance, mutual funds, retirement planning, etc.
Questions are directly answered by me (Vipin), your Insider Coach. It’s not just a DIY, it offers lot of support and learning to help you wade through difficult financial and investment issues.
These interactions will go a long way to build your own behavioural alpha, the only thing that is truly under your control.
#Choose your Investments – Asset Allocation
Once your plan is in place, you fine tune your asset allocation. If there is one thing that can make the most difference to your portfolio, this is it – Asset Allocation. Yet most investors do not pay enough attention to it. Well not any more.
Insider Plus will help you pick an asset allocation…
- Based on your risk profile and time horizon
- Know the required fixed income and equity allocation for your portfolio to ensure that your portfolio works for you.
#Choose your Investments – Ready Mutual Fund Portfolios
While you may be using several other instruments for your investment portfolio, it is quite likely that mutual funds will start acquiring a bigger presence to meet your financial goals. But then there is the big mutual fund jungle of 100s of funds. Don’t worry!
Out of the hundreds of funds out there, we pick and chose some select funds that ought to find a place in your portfolio. Going beyond star ratings or rankings, we tell you the names of actual funds with how much allocation they should get in your portfolio.
- Portfolios based on your risk profile and time horizon
- Choose from Active or Passively managed funds with differentiated strategies
- Diversified portfolios across equity and debt as well as market caps (including international)
- Quarterly portfolio updates
#Master list of recommended fund schemes
Well, certainly there are several funds that have earned their merits. Now, it doesn’t mean each one of them needs to find its place in a portfolio. Here, we bring to you our own master list of the recommended schemes. If you have confidence in your own decisions, you are free to choose one of these than those provided in the portfolios.
- A list of 25+ mutual fund schemes that make our cut
- List across SEBI defined categories, market caps and asset class
- Regular updates
#Fund Analysis (Simplify Mutual funds like never before)
Read some actual samples here. And you will know what we are saying.
- Know funds beyond the stars and ratings
- Specific strategy of the fund scheme
- History and what does the fund stand for now
- Understand Fund categories as defined by SEBI
- Regular Updates on the funds
Protection is the bedrock of any financial planning exercise. This is achieved with the right set of insurance products.
- Must have protection via core insurance (Life, Health, Disability)
- Product analysis and comparison
- Regular updates
Even if you have come across any recommendation out side of what we do, we will be happy to provide you a view. As an Insider, you just have to ask!
Now, there is only one way to find out if you will benefit from Insider Plus. Sign up for your own account. The subscription is easy.
Get access to Insider Plus now!
The best part you can now subscribe to Insider Plus at a special offer (ends May 31, 2020).
You can choose your access from 6 month and 12 months period.
Insider Plus – 6 months – Regular price Rs. 12,500. Offer Price Rs. 7,500. Rs. 5,000 off! Subscribe to the 6 month plan
Insider Plus – 1 year – Regular price Rs. 15,000. Offer Price Rs. 9,500. Rs. 5,500 off! Subscribe to the 1 year plan
Prices are exclusive of taxes.
Wow, you now have everything that you need in your wealth creating journey – advice, tools and support.
That’s not it. If you choose to go with the 12 month subscription, there is a BONUS.
BONUS: 30 minute consultation call
When you take the annual plan of Insider Plus, you also get a 30 minutes consultation call with me. You can use this time to discuss your own personal financial planning or portfolio issues and possible way forward to resolve them.
All in all, with the Insider Plus membership, this is what you can achieve:
- Stop those money leakages on your investments
- Use known investor tools to take the guesswork out of your investment decisions
- Securely meet the important financial goals in your life
- Create your own simple but winning investment portfolio (across instruments)
- Achieve your financial freedom
If you know how do clients feel about working with me, here’s what, Nakul Gupta who is a Sales Director, South Asia – GE Aviation, Singapore, says:
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!
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 endeared 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!
So, all in all, your Insider Plus membership is your gateway to long term investment success that helps you tap into key insights and create your own behavioural alpha, the one which is firmly under your control.
Choose a plan and get access to your Insider Plus membership.
Prices are exclusive of taxes.
Become a member now!
I hope to see you as an Insider soon.
Note: If you are looking to seek my personalised advisory services to plan and structure your investments, check this out.