Financial Planning

Welcome to VS Financial Advisors. This is S Babu Arunachalam proprietor of VS Financial Advisors. Brief Introduction About my Services.

• Preparation of Financial Plan
• Risk Profiling
• Goal Based Financial Planning[Not exhaustive]

1. Retirement Planning
2. Children Education / Marriage
3. Property Purchase
4. Wealth Creation
5. Saving for annual expenses
6. Short term parking purpose
7. Emergency Fund

• Investment Options

1. Mutual Funds | Debt, FMP, Equity, Hybrid, Tax Saving, etc | SIP, Lumpsum, etc
2. Bonds- 54EC tax saving Capital Gains bonds, 80CCF Tax saving Infrastructure bonds,etc.
3. Fixed Deposits, Recurring Deposits from HDFC and other companies.

• Life Insurance – LIC, Traditional and non traditional policies.

1. Term Cover
2. Immediate Annuity
3. Pension
4. Children Plans – Child Education/Marriage
5. Endowment
6. Whole Life, Joint Life
7. Money Back
8. Health Insurance Defined Benefit Plans
9. Others

• General Insurance – New India

1. Health Insurance, Mediclaim- Individual and groups
2. Car Insurance
3. Personal Accident including Permanent Total Disability and Permanent Partial Disability- Individual and groups
4. Overseas travel medical insurance
5. Home including contents[House Holders Policy]
6. Computer, Laptop, Mobile, Electronic Goods
7. Property, Fire, Burglary, Household Items
8. Factory, Shop, Machinery, Office Equipment,Marine Transit,Fidelity Guarantee, Liability, Projects
9. Others

My Role/ What I can offer

As an investment advisor, I would be able to provide the following services.

• Mutual Funds / LIC – Life Insurance / New India – Car Insurance / Mediclaim Health Insurance Up to 80 Years / Travel Insurance / Property – Home, Equipments, Jewellery, Laptop, Mobile, etc – House Holders Insurance / Company Fixed Deposits, etc.
• Suggestions and recommendations about various mutual funds as and when you have an investment need.
• Suggestions and recommendations on your portfolio when you have a redemption need.
• Provide Consolidated MF statement.
• Periodical portfolio review and its implementation. To start with we can have half yearly reviews and I request the trigger for this from your side. As and when the portfolio grows in size, we can go for quarterly reviews. Of course, you are always welcome to ask for a review at any point of time based on your funds requirement, extra ordinary market movements, etc. I strongly believe that review is the most important part of the investment and mid course corrections are an inevitable part of long term investment plans and take the portfolio close to its objectives of reaching the given financial goal.
• Servicing your investments which include KYC, KYC Updation, Change in bank account, address, nomination, etc.
• Tax Filing Services from a Chartered Accountant– Fees as payable to him – Just in case you are looking for one.
• Preparation of Will by a qualified legal consultant – Fees as payable to him – Just in case you are looking for one.

The Belief
I believe that, a good investment / insurance is one which should give peace of mind to the investor and in which there is proper clarity about the objectives which include – financial objective for which it is made

• Target returns
• Risk involved
• Role of the investment advisor
• Tax implications, etc.

 

The key advantages of an independent financial advisor managed portfolio include personalized investment suggestions that suits the clients

• Investment need
• Financial objective
• Risk and return expectations
• Portfolio reviews
• Mid course corrections, etc.

 

Tell Us A Few Things To Understand Your Needs Better & Advice Suitably

Name -

Age -

Life Stage – Single / Just Married / Married With Kids / Retired

Nature of Income - Salary / Rent / Business / Profession / Pension / Others

Mobile -

Email Id -

My Investments [just tick, no need for details]

• PF / VPF
• PPF
• Fixed Deposits / RD / Gold / Postal Deposits
• Mutual Funds
• Stocks / PMS / ESOP
• Property
• Others[give details]

 

My Insurance [just tick, no need for details]

• Life Insurance
• Term Insurance
• Other Than Term Insurance
• Health Insurance
• Company Provided
• Stand Alone
• Critical Illness Cover
• Accident /Disablity Cover / Overseas Travel Cover
• Vehicle Insurance
• Property Insurance

 

My Risk Appetite

• Low (Safety of capital)
• Medium (Willing to take moderate risk for better returns)
• High (Willing to take higher risk for higher returns)

 

My Financial Goals

Goal – Child Education / Marriage
Amt. you wish to have for this goal in current cost

Years To Go -

Target Amt -

Goal – Property Purchase / Renovation

Amt. you wish to have for this goal in current cost

Eg:

• House / Apartment Purchase
• Residential Plot Purchase
• Farm land Purchase
• Renovation/Modification of existing house/property

Years To Go -

Target Amt -

Goal – Retirement

Years To Go -

Target Amt - p.m[per month] amount you wish to have as per current cost

Wealth Creation

Amt. you wish to have for this goal in current cost.
Eg:

• Car
• Own Venture
• Gold/Ornaments
• _________________(Others)

Years To Go -
Target Amt -

Saving For Annual Expenses

Eg:

• School / College Fees
• Vacation, Foreign Trip
• Insurance Premiums
• Loan Prepayment
• _________________(Others)

 

Short-Term Investments[to park temporarily until final decision is make]

Eg:

Proceeds From The Sale Of

• Property
• Shares
• Ornaments
• Inheritance
• Rental / Lease Advance
• _________________(Others)

Note
Pl give as much details as possible as this would help us to understand your needs better and provide appropriate advice.

Thank you for your precious time.