1. Investments

• Asset Allocation Advice
• Tax Efficient savings strategy.
• Investment Policy Statement.
• Bodyguard between you and product salespeople. (Misselling)
• Consolidations of Investments.

2. Financial Planning

• Annual Planning Meeting / Periodic Reviews.
• Formalize Your Goals.
• Accountability Partner.
• Second opinion service.
• Ad Hoc meetings for important decisions.
• Outsourced financial Administration.
• Prioritise Financial opportunities.
• Unlimited Access to money questions.

3. Tax Planning

• Proactive not reactive tax planning.
• Educating on legislation Charges.
• Guidance during tax session.
• Tax efficient Estate plan.

4. Behavioural

• Helping you to avoid regrets.
• A ' Don’t do that' service.
• A voice of reason during. emotional decisions.
• Support during volatile markets.

5.Others

• Someone who cares as much about your financial future as you.
• Independent Sounding Board.
• A coordinator between all your professionals’ advisors.
• Identifier of life transitions.
• Referrals to other professionals.
• Scam Avoidance.
• Thinking Partner.
• Support for a surrining partner (In your absence).
• Financial Project Manager.
• Lessons from other clients.
• Someone to tell you what you need to hear. . . . . . A blog on Importance of Financial Advice

Blog by Mr. Santosh G Akerkar for Investor awareness and Educational Purpose.

Multi-cap and Flexi cap are two different strategies in Mutual Funds. Both strategies have large cap, Mid cap, and small-cap and allocation. In Flexi cap allocation charges are as per situation or economic activity. Fund managers can increase or decrease allocation as per their views on the market. So, there’s a lot of flexibility. But it can create bias. Predicting the performance of the Market cap is very difficult. In Multi-cap funds, there’s Fixed allocation large cap – 50%, Mid cap – 25%, and small cap 25%.

Currently, we are suggesting a DSP Multicap Fund for SIP. It will give you two benefits.

1. In Down Market (Bear Market) you can accumulate more units.
2. In the upmarket (Bull Market) NAV goes up.

It's a win-win situation for you. If you stay invested for 10 years plus. Indian markets are likely to be volatile for the next few years. If you start SIP now and stay the course, then the results will be amazing.

Why DSP Multicap Fund?

Balanced Dynamic Allocation across caps (25% Large, 25% Mid-cap & 25% Small Cap & Remaining 25% in any Cap as per valuation attractiveness)

Better exposure to mid & small caps: 50% in a Multicap Fund v/s Just 25% in the Nifty 500 Index.

Timely rebalancing: Multicap cuts down the exposure of ‘in-favour’ segments and exposure to ‘out of favor’ segments.

Despite investing in the same set of stocks, the Multicap strategy has outperformed the Nifty 500, almost 8 out of 10 times.

Start your New Year with SIP in DSP Multi Cap Fund.”

Blog by Mr. Santosh G Akerkar for Investor awareness and Educational Purpose.

SIP as the world knows it as Systematic Investment Plan but we consider is as simple investment plan to build wealth. SIP is nothing but Recurring Deposit with MF

Story No 1: Right Asset Class

There were three friends Pujara, Rahul, and Sehwag. All of them decided to invest 10000 pm in 2003. So now all of them completed 20 years. Pujara invested 10000 pm in Recurring Deposit.

Rahul Invested 10000 pm in Gold and Sehwag invested 10000 pm in SIP in Diversity Equity Mutual Fund.What happens to their investment is very interesting.

All invested 24 Lakh individually.

• Pujara’s 24 Lakhs became 51 lakhs Return of 7 % CAGR ( Bank RD )
• Rahul got 83 lakhs.Return of 11% CAGR ( Gold )
• Sehwag who invests in SIP of Equity Mutual Fund accumulated 1.17 Cr. Return of 14 % CAGR

It means by investing in the Right Asset class one can create Wealth.

Right Asset class at the right time is very important. Equity is the Right Asset class for Long term and discipline investment. Most people remain disciplined with LIC for 20 years to get 4% to 5 % cagr if they do the same with MF SIP Wealth can be created.

Blog by Mr. Santosh G Akerkar for Investor awareness and Educational Purpose.