Grow
Money with a job and a date.
Half of what your money has to do is grow. That is easier to get right when every rupee is attached to a goal with a deadline, instead of to whatever performed well last year.
Start with the arithmetic
Financial Assessment
A financial assessment is a full read of what you earn, what you spend, what you owe and what you already hold, ending in a number: the gap between where you are now and where you want to be. Start with your goals and questions; you do not need to choose a product first.
Read moreChild Future Assessment
A child future assessment works out what your child's education is likely to cost in the year they actually need it, not in today's money, and what you would have to invest each month from now to get there. Education costs have historically risen faster than general inflation, which is what makes the gap larger than parents expect.
Read moreRetirement Assessment
A retirement assessment produces two numbers: the corpus you need to fund the life you want after you stop earning, and the monthly investment that reaches it from where you are today. It also gives you an honest answer to the question most people avoid, which is whether the current savings rate gets there at all.
Read moreTax Assessment
A tax assessment looks at what you are paying now and which part of it is legitimately avoidable, without buying something you do not otherwise need purely for the deduction. It is a review of structure and timing rather than a filing service, and it works best before the year ends rather than in the March rush.
Read moreThe other half
Growth that is not protected is a bet. A portfolio does not survive one uninsured hospital admission.