Financial Planning

"By failing to prepare, you are preparing to fail" - Benjamin Franklin

We guide our clients to invest their hard earned money with a holistic financial plan so that the financial goals the clients envision can be realized comfortably. Everyone has dreams in life – be it buying a dream home, a car, children’s education, their marriage, travelling abroad for leisure, retirement, amongst host of others and one should not always leave it to luck to these aspirations. As Arthur Davis, the American five-star General has very wisely said. “The best luck of all is the luck you make for yourself.” We at Prosperria, powered by a prudent advice system can make their dreams come true by assessing their financial goals while addressing their financial needs.

How to build a robust investment portfolio

Wise investing – Refers to a systematic process-and-prudence-driven approach, where you take into account:

  • Investible surplus
  • Financial goals
  • Risk appetite and risk tolerance
  • Decisions on asset allocation to equity, debt, gold, and cash
  • Select promising investment avenues to diversify the portfolio

Discipline – Investing wisely is only one-half of the journey to wealth creation. At Prosperria, we ensure that our clients are disciplined enough as they cannot afford to get carried away in the excitement of trading to accrue quick returns. Neither can they afford not to invest; because that would derail them on the path to wealth creation. Hence, bring forth the benefits of investing regularly and systematically to clients.We guide them on how much they should invest and where, so as to create wealth and the life goals they’ve envisioned can be realised. We should also take into consideration Inflation and Cost of investing (which has an impact of eroding the purchasing power of our client’s wealth.

Most of us believe that the foremost investment objective is Wealth creation.

But the way to wealth creation is what we follow and explain to our clients prudently, so as to make the journey of wealth creation enlightening for them. Sometimes, due to sheer lack of knowledge or being swayed by emotions often take ad-hoc investment decisions, which may not prove to be beneficial in the long term. We need to handhold and nurture our clients to build a robust investment portfolio.

“Your future is created by what you do today, not tomorrow.” If you sow the right seeds of investments today, you are bound to reap the sweet fruits tomorrow. In order to create wealth, we ensure that our clients’ hard-earned income is put to productive use.

Asset allocation refers to distributing our investible surplus across asset classes such as equity, debt, gold, real estate, or holding cash. We should remember that all asset classes do not move in the same direction at the same time and each of them carries a certain level of risk and expected return. So it becomes imperative for us to diversify our investments across various asset classes.

Asset Allocation

Risk Profile : Low to Medium

Time Horizon Equity Real estate Gold
< 5 years 45% 50% 5%
5 to 10 years 55% 40% 5%
> 10 years 70% 25% 5%

Risk Profile : Medium to High

Time Horizon Equity Real estate Gold
< 5 years 60% 35% 5%
5 to 10 years 75% 20% 5%
> 10 years 80% 15% 5%