Preserve Wealth


Client Profiling

Goal Planning

Customised plans go a long way in achieving ones goals. As a first step we recommend you to ascertain your risk profile based on which you can pick suitable schemes from the list of top performing funds. Please select a Goal to Proceed.

*Mutual Fund investments are subject to market risks. Please read the Statement of Additional Information / Scheme Information Document carefully before investing.

Asset Allocation

Asset allocation is an investing strategy for maximizing your returns while minimizing the overall risk level of your investment portfolio. It involves diversifying your assets among different broad categories of investments, such as equity, fixed income, and money market, etc. By reducing your investment risks, you’re in a better position to meet your financial goals.

The asset allocation is classified as aggressive, moderate, or conservative based on investor’s risk tolerance level and time horizon.

  • Aggressive: - This type of portfolio is appropriate for investors with high risk-tolerance and/or long investment time horizon.  This portfolio has a higher percentage of stocks relative to bonds.
  • Moderate: - This type of portfolio is appropriate for investors with medium risk-tolerance and/or medium investment time horizon.  This portfolio has a lower percentage of stocks relative to bonds.
  • Conservative: - This type of portfolio is appropriate for investors with low risk tolerance and/or short investment time horizon.  This portfolio has the lowest percentage of stocks relative to funds.

Advantages of Asset Allocation:-

However, when you diversify across assets you give yourself a lot of leeway to counter market uncertainties. When the stock market is progressing well, one probably cannot appreciate the importance of asset allocation. In fact, you may even feel that asset allocation is a hindrance when having all money in equities seems to be a smarter way to ride the stock market rally. It usually takes an adversity (such as a sharp fall in stock markets) to fully appreciate that having more than just stocks and bonds in your portfolio can be a big bonus. The advantage of having different assets in the portfolio is that a decline in any one asset can be partially offset with the presence of other assets. Many times different assets react differently to the same set of factors.

1. Lower Investment Risk

A diversified portfolio will be exposed to lower investment risk, because the growth prospects are not limited to one risky security, but rather a basket of both risky and non-risky securities, across equity, debt, gold and real estate.

2. Low Dependence on a single asset for returns within an asset class

Not all assets within a single asset class e.g. equity, perform well at the same time. This is what makes it important to choose different stocks and different categories of mutual funds, e.g. large cap, value style and so forth, and allocate funds efficiently even within the same category.

3. Protection from Market Turbulence

Anybody who has lived and invested though the sub-prime mortgage crisis knows that when equity caused the ground to fall out from under our feet, debt and gold kept investors’ heads above water. For those who had pure equity portfolios, it was a mistake they will likely never make again. A well diversified i.e. a well allocated portfolio will afford you protection and offer you growth even during times of volatility.

4. Freedom from timing the market

Consider timing a single asset class’s market. Those investors who try to actively time the equity markets can testify to its volatility. Now imagine timing the performance and market movement across different asset classes. Investing without stress is not hard to achieve, if you remove timing the market, or markets, and implement a disciplined strategy.

Portfolio Reviews

Portfolio Review is a service to give clients an overview assessment of their existing investment strategy. As a portfolio managers will analysis your statements and provide feedback periodically on how we can achieve our set goals. We will evaluate your portfolio across a number of dimensions-

  • What is the ratio of Savings to Earnings.
  • Whether your Income is adequately protected.
  • How much you are investing.
  • How well diversified you are so that You can consider what action you may wish to take.

Tax Planning

Tax Planning can be understood as the activity undertaken by the assesse to reduce the tax liability by making optimum use of all permissible allowances, deductions, concessions, exemptions, rebates, exclusions and so forth, available under the statute.