Identifying suitable investments

Avoiding Ad-hoc Investments and the ability to see through the sales pitch of any investment plan being marketed to you.

Common concerns

Understanding basics of Personal Finance.
Looking-Through the jargon to easily evaluate investment options.
Evaluating your existing investments.
Taking informed decisions on your investments.

How we resolve

We can help you understand basic concepts like Compound Returns, Indexation, Asset Allocation etc through simple examples. An understanding of these basic concepts and a disciplined approach will be the best way to take investment decisions. This will also help in evaluating present investments portfolio.

Testimonials

What our clients say

I would like to acknowledge team Deepam Finvest and in specific Sandeep ji for the outstanding efforts put in investing our funds to the best of utility possible. The approach followed by Sandeep ji in understanding the need for investing is fully professional. Not only did he take personal interest to do his due diligence in giving me various options available but also explained clearly the pros and cons of investing in each one of them. His follow-up in completing the formalities for investing was very prompt too. I hereby wish Sandeep and the entire team of Deepam Finvest great success in all their future endeavors.

Ashim Chugh

Director, M/s Regius Windows

We have had bad experience as far as mutual funds and investments are concerned, till we came across Mr.Sandeep Bhuwania . On meeting him the first impression of anyone would be his aura of trust worthiness, which is further accentuated by his dealings, which are absolutely fair & transparent. I happened to take him to the financial controller of Ahluwalia Contracts (i) Ltd. where he very clearly told him about financial investments and at no time did he try to pitch himself, but answered everything transparently, not fearing whether he closes the deal or not, this is very rare in investment consultants who go all the way to clinch a deal.

Kuljeet Singh Khurana

Kay Dee Iron

How do we get started

The steps are broadly as follows:

A 30-45 min. Zoom Call/Personal Meeting to understand your investment philosophy, past investment experiences, professional & family situation and major Life Goals (free session)
Equipping you with basic knowledge about various Asset Classes, their behaviour in terms of past returns and co-relation between them (Charges Rs. 5,100 + GST 18% payable at the time of booking)
Another 30-45 min session for Joint review of your existing investments and evaluating their suitability to meet your Life Goals (Charges Rs. 5,100 + GST 18% payable at the time of booking)
A 4th session where you will prepare your own investment plan (Charges Rs. 5,100 + GST 18% payable at the time of booking)
Assistance in Executing the Investment Plan – Free
Repeat step (3) after 3-4 months if desired by you ((Charges Rs. 5,100 + GST 18% payable at the time of booking)

What not to expect

There will be No Investment Tips about shares / mutual funds etc.
No Guarantee of Returns
No ready answers to ALL your questions. The idea is to take you through a process so that you are able to come up with the possible answers yourself
No discussions on Economy or Share Markets direction.

FAQs

I already have a basic knowledge about various Asset Classes and the co-relation between them. Can I straight away book the session listed under step (3) in the Process i.e. Joint review of the existing investments?

Yes, you can straight away book the review of existing investments.

I was sold some Life Insurance policies by my bank/agent a few years back. I have no idea about the status or the present value of these policies. How can you help?

I can guide you how to contact the Life Insurance company and how to check the details yourself. We can also book a free 30-min session to help you review the policy features and take a decision.

I am fairly knowledgeable and make my own investment decisions. However, I am disappointed when I review my Mutual Funds because my schemes never show up in the Top performing schemes. How can you help?

The desire to Maximize Returns will always lead to disappointment. No Mutual Fund scheme will always remain at the Top. In fact, the Top performing scheme ranking changes every month, if not every week. There is no way of predicting that a particular scheme will be the Top performing over next 1 year or next 3 years.

My banker has been chasing me to invest in a plan. How do I ensure that the plan is suitable for me?

Analysing an investment product before having a clarity on your own goals is like putting the Cart before the Horse. The suitability of an investment plan can only be judged if one is clear on one’s objectives.

Once the investment objective is clear to you, ask for a written brochure of the plan being suggested by your banker/agent. Complete the 3-step process to evaluate the suitability:

Prepare Date-wise Cash Outflows & Inflows
Calculate IRR using MS Excel Financial Calculator
Do a Sensitivity Analysis

Also, please be extra vigilant if you are being chased to ‘buy’ an investment plan

How can I get tax-free returns on my investments?

Yes, there are options where the returns are tax-free as per current tax laws. However, making tax-free investments should never be the only goal. Tax-free investment options have their limitations which may make them unsuitable for you.

The idea should be to compare post-tax returns from various options. A 5% p.a. tax-free return investment is unattractive as compared to a 9% p.a. investment taxable @ 10%

My portfolio is showing a loss and I do not see the markets stabilising. Shall I book a loss now to prevent further losses?

The losses are only notional (i.e. loss on paper) till you sell and convert them into an actual loss!! The decision will depend on various factors. Some factors to consider are:

Quality of the companies whose shares you are holding
Underlying portfolio of the mutual funds you are holding, and
Your time horizon for these investments.

One must never expect share market linked investments to always show a profit.

How come my friends / colleagues always get better returns than me?

No two individuals have the same requirements, temperament and mindset. What seems to be working for someone may not work for you. Also, people will brag about the superior returns but will keep quiet about their losses.

Understand your own goals & situation rather than focusing on the outside to plan your investments.

What should be the most important parameter for a young investor who has just started his/her career?

For youngsters, the most important factor that you should keep in mind is to “Start Early”. You have an investment horizon of 15-20 years or more. Even investing small amounts which remain invested for 15-20 years can build up to significant meaningful amounts.

Dedicate some time to learn a few basic Investment concepts.

Talk to Sandeep

Address

1022-B, 10th Floor, Hemkunt Chambers, Opposite Modi Tower, 89 Nehru Place, New Delhi - 110019

Email

sandeep@deepamfinvest.com

Phone

011-41101371

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