Does this sound like you?
- Random investments in poor yielding insurance policies (courtesy LIC wala uncle)
- Money sunk in loss making property investments
- Chasing mutual funds with highest star ratings and rankings
- Try to find exotic products, hot stocks and get rich quick schemes
- Tax saving as the key driver for any decision (including loans)
- Accept random advice from TV experts, blogs, books, magazines or friends/cousins/colleagues
Yes! And you keep doing this happily until the day reality strikes. How? Your portfolio appears out of shape, bloated and diseased. You wonder what a royal mess you have got yourself into.
With this random approach, you are putting too much at stake. And before you can realise, it may be too late.
There is a big gap between what you want and what you do?
You want financial freedom, yes but your actions work for only one thing. Maximum returns, highest yields. You chase one investment after another without any commitment, without any understanding and when the market hits back you run like a plucked chicken. (Oh, those bleeding red mid and small caps!!)
There is no attempt to study and align cash flows and future requirements and make decisions that optimise tax, liquidity and returns in a way that you achieve your goals as well as your financial freedom.
Do you realise every such behaviour loses you money and pushes back your financial freedom by a few years?
Do a few such actions and you mortgage your entire living period as a slave of money sunk in a hole you may find very difficult to get out of.
Your dreams of ‘not working for money anymore‘, “control over my time“, ‘start something on my own‘ and even ‘living life on my own terms‘ may remain just that…dreams.
Well, if this doesn’t then what will?
If this has not forced you to ask difficult questions, what will?
#1 How can I stop taking random decisions and have a more structured approach to my investments?
#2 How can prepare my mind to ask better questions to evaluate what is right for my money?
#3 How can I claim my financial freedom, my time for myself and things that I love to do?
If these are indeed your questions, read on.
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.
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. But how ready are you? Thankfully, you don’t have to wait any more. It is time that you 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.
A proven step by step approach to take the guesswork out of your money decisions and build a winning investment portfolio
When you choose Insider Plus, you get everything you need to succeed with investing and reach your financial goals, faster.
- Use financial planning and Investing insights to drive your own results
- What asset allocation can you work with for your goals, risk profile and time horizon
- How to design a portfolio for a particular asset allocation
- Use the master list of recommended investments to build your portfolio
- Understand your funds like never before
- Learn to create behaviour alpha
- Ask your Questions
Specifically, this is what you get:
#Financial Planning & Investing Strategies
Do you have the following questions on your mind?
- How adequately am I protected via insurance?
- 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?
- What is the likely wealth I will leave behind?
What you need is to bring a structure to your finances and investments. Think what an Architect does before you even start the work on your foundation.
With a defined and structured financial planning model that works in Excel, you can simply find out what will lit take to increase the chances of achieving your financial goals. The financial planning automated model will help you find the gaps in your current financials and point out very specific areas in the plan that you need to work on.
This covers insurance (life, health, disability), emergency funds, savings analysis, retirement planning and other life goals.
You also get access to several investing strategies towards:
- Retirement Planning
- Building a Portfolio
- Risk management
- Income Generation
- Wealth Creation
- Adding Behavioural Alpha
#Interact and Ask Questions – The Most Important Thing
While there is whole lot of guided content waiting for you in your Insider Plus, the 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 DIY and yet offers tremendous support and learning.
#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 and yet most investors completely ignore this. Or, somehow they don’t get around to measuring it properly. Well not any more. With Insider Plus, you can pick your own asset allocation
- Based on your risk profile and time horizon
- Know the required fixed income and equity allocation
- See it as a range than a static number
#Choose your Investments – 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 20+ mutual fund schemes that make our cut
- List across SEBI defined categories, market caps and asset class
- Regular updates
#Fund Analysis (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
Wow, you now have everything that you need in your wealth creating journey – advice, tools and support. Wait, 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 Vipin Khandelwal, your Investment Adviser. You can use this one hour to discuss your own personal financial planning or portfolio issues and possible way forward to resolve them.
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 winning investment portfolio (across instruments)
- Achieve your financial freedom
As you know, I also offer personalised investment advisory service and here’s what my client, 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!
Get access to Insider Plus now!
Prices are exclusive of taxes.
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.
Note: Insider or Plus is not a personalised advisory service. If you are looking to seek my services to plan and structure your investments, check this out.
Dipanjan Das, CEO – GreyCells18, Network18
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.
Get access to Insider Plus now!
Choose a plan and get access to your Insider Plus membership.
Prices are exclusive of taxes.
(If you don’t have a Paypal account: Select pay via credit/debit card option at the bottom on the payment page.)