Financial Planning with Elite Wealth

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ELITE WEALTH MANAGEMENT LTDFinancial Planning
SolutionsIntegrating the Future Planning
Current Priorities
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About Us

• Incorporated in 1990, Elite Wealth Advisors Ltd.
  is member with NSE, BSE and a SEBI Authorized
  Portfolio Manager.
• Mr. Ravinder P Seth, the Founder Managing
  Director of Elite Wealth Advisors Ltd. has a
  rich experience of over 25 years in the financial
  markets and is acclaimed of steering the
  organization for providing right minded and
  profitable financial services with a firm belief
  of making peoples money work for them.
• Since inception, Servicing has been a core focus
  of Elite Wealth. Our Elite team consists of
  service oriented people with an Individual
  Centric Approach.

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Elite Wealth Group Strength

• One of the leading integrated financial services
  groups of India.
• Broad spectrum of services and in-depth expertise
  across a wide range of sectors.
• Clientele base of more than 50,000 and growing,
  across the retail, wealth and Institutional
  spectrums.
• Premium advisory services based on technical
  fundamental views and strategies in both equity
  derivatives segments.
• Width and depth of management leading a
  formidable employee base.
• Continue expanding network of 250 business
  locations across India
• (Owned Business Partners).

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Unstable Asset Portfolio - Need to Stress
You would like to provide financial security to
your self and your loved ones but without having
any written financial plan, You shall face these
worries-

• You can be STRESS FREE if your Portfolio is
  STABLE.

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NeedFinancial Planning

• Without Financial Planning is like Unplanned
  Vacation therefore you need it for-
• To fund your future needs through right mix of
  investments.
• To protect your future from unforeseen
  contingencies.
• To maintain the same standard of living after the
  retirement also.
• To enable risk management through
  diversification.
• To beat the ravages of inflation.

Therefore, A good Financial Planner is one who
understands your future requirements along with
your emotional connectivity, sensitivity and has
the ability to evoke trust and respect from the
customer.
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Building Blocks Financial Planning
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Goals of INVESTMENT
Childs Education Marriage
Creation of Wealth For Family
Money for Emergencies
An Independent Retired Life
Legacy for future generations

• Build Financial Security for your Family.

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Process Financial Planning

• Financial Planning is a disciplined process of
  framing objectives, policies, procedures,
  programmes and budgets regarding the financial
  activities and goals of an individual.

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Three Parameters to Check For Financial Planning

• GOAL or OBJECTIVE
• Must be linked with Emotions and not LOGIC only..
• RISK APPETITE
• Define the clearly, Dont Expect 100 Return at
  10 Risk
• Time Horizon
• Define the investment for short term long term.

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Objective Financial Planning
Portfolio Engineering or Investment Portfolio is
fully customized as per Investors Goals and Risk
appetite.
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Investment Choice
Selection of Investment Avenue would be determine
as per the Clients Risk profile and accordingly
design appropriate Asset Allocation with regard
to the life stage.
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Asset Allocation Avenues
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Asset Allocation at Different Life Stages

• On the basis of life stages, develop three
  different Asset Allocation Stages to accumulate
  the Wealth.

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Asset Creation Stage

• Investor Age 27 35 Years.
• Financial Goals
• Planning to purchase a house in next 5-8 years.
• Planning for family in 2 Years time.
• Creating long term wealth for retirement.

Investment Strategy Aggressive Growth Portolio
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Asset Management Stage

• Investor Age 36 to 54 Years.
• Financial Goals-
• Has a Housing Loan.
• Providing for Children Education (7-10 Years).
• Planning for Childs Wedding (15- 20 Years)
• Take care of old Parents.
• Planning for Retirement.

Investment Strategy Balanced Portfolio
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Asset Preservation Stage

• Investor Age 55 Years Above
• Financial Goals
• Regular Income to fulfill the basic needs.
• Medical Cost
• Legacy for Future Generations

Investment Strategy Conservative Portfolio
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Importance -Asset Allocation

• Asset Allocation allows building of portfolios
  bearing in mind in respective and specific
  financial goals.
• The goal of Asset Portfolio is to spreading
  assets across different types of investment
  products and to provide the targeted return
  balanced with your risk profile.
• A diversified portfolio can help capture the
  gains within asset classes .
• The Asset Allocation portfolio allows to benefit
  from market movements and rebalancing also helps
  to smooth out the effects of market volatility.
• Maximizing returns without sacrificing too much
  on potential gains over a longer time horizon.

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Financial Planner Thumb Rules

• Aggressive Investors should hold stocks ,
  Conservative Investors should hold bonds.
• Long -term Investors can afford to take more
  stock market risk than short term investors.

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Relationship Risk Return
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Benefits of Elite Financial Planning

• 1. Assess your financial situation by helping
  you track income and expenses, establish an
  emergency fund, and determine your overall net
  worth
• 2. Save for major expenses like funding a
  child's education, buying a house or car, or
  developing a cash reserve for special occasions
  like weddings and vacations
• 3. Plan for your retirement by estimating your
  retirement income and expenses and the value of
  government programs. Then you can begin to
  determine the amount you need to save to meet
  your retirement goals.
• 4. Assess your risk tolerance and develop an
  asset allocation strategy.
• 5. Plan to reduce your taxes, project the
  effect of income taxes, and develop a
  tax-deferred strategy
• 6. Protect you and your family against
  financial crisis should you become disabled or
  die.
• 7. Plan your estate to ensure your assets are
  distributed the way you desire, fund estate
  taxes, and minimize their effects where possible.

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Overview Financial Planning
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Contact us

• For Any Query,
• Call Us - 9650901058
• Email Id - marcom_at_elitewealth.in
• Address - Elite Wealth Advisors Ltd.
• S-8, DDA Shopping
  Complex,
• Mayur Vihar Phase 1
• Delhi - 110091