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Financial Planning

Planning is the first step to success and so is the case with financial Planning. Every Individual has their own financial dream, like owning a house, starting own business, higher education of children or financial freedom at certain age. Focused and disciplined approach with professional handholding always creates big difference in fund planning and wealth creation management. Our expert team with their expertise and approach will add a remarkable value in achieving the specific financial goals.

Financial planning is the first step in the journey towards long term financial success. Without planning journey becomes unpredictable and uncertain.


More on Financial Planning


Financial discipline creates a huge difference in the financial stability of any individual at all stages of life. One can be better positioned at his/her financial stability in their life than what he/she is at in present. In our routine life, we all want to save money and invest but we lose focus on the very basics of investment strategy. Financial planning is to discipline oneself on the long term strategy of financial goals.

Few quotes by “Warren Buffet” being stated below to understand that whether we really able to respect the financial discipline:-

  • On Earning: - “Never depend upon single income, Make investment to create second source”.
  • On Spending: - “If you buy things you do not need, soon you will have to sell things you need”.
  • On Saving: - “Do not save what is left after spending, but spend what is being left after saving”.

Moreover professional handholding is needed for financial planning. Generally our investment is not planned in line with the long term financial objective and investment is just done through the information and sale pitch done by telemarketing and discussion with friends and family or gathering the information over internet. So we are always at risk of not managing the financial planning in right manner and taking and managing all aspect of financial planning correctly, investment is just one of many factors.


If you begin investing at a young age history tells us that you will end up with far more than those who invest later in life. Having a longer time period of being able to save money to invest and a longer time period for the investments to grow will result into substantial capital base. But do we really understand this!!

The smallest rate difference in the return on income has a big impact over a period of time. We never care too much whether our rate of return is 12% or 14%. The fact is that if you did, it would make a big difference to your wealth as time progresses. The benefit from compounding arises primarily from the fact that income keeps growing the principal to generate higher absolute returns each year. Higher rates of return or longer investment time periods increase the principal amount in geometric proportions.

The Impact of power of compounding

We can easily see power of compounding in the table below. If anyone invest Rs. 1 Lac every year then after 25 year after investing 25 lac his investment will grow to Rs. 108 lac, Rs. 245 lac and Rs. 566 lac if the rate of return per annum is 10%, 15% and 20% respectively. Over a investment of just 25 lac that too just investing 1 lac per year, difference in capital appreciation is Rs. 137 lac if return is 15% instead of 10% and Rs. 321 Lac if return is 20% instead of 15%.



(Amount in Rs. Lac)

At end of Year




Year 5




Year 10




Year 15




Year 20




Year 25




So if we start investing at age of 20 to 25 years we can easily see at what level of financial stability one can enjoy at the age of 45 to 50 years. So we cannot undermine the importance of financial planning. Professional handholding is needed to protect the investment over a long period of time and keep oneself focused on the path of financial planning.