@ftForumMod The Advisory roles are still required even though the clients are well knowledgeable in terms of investments. Only the difference is that the RIA's like Wealth Ladder Direct is going to provide the knowledge transition and charge a client instead of just getting paid by the AMC's. This makes lot more difference to the clients as well. However, this works only with HNI clients and may not work for retail investors.
We are a SEBI Registered Investment advisor. Wealth Ladder is an organisation that provides financial planning and wealth management for HNI’s. The requirement of HNI’s are very unique which needs to be addressed very personally. Wealth Building is a step by step process.
Our Financial Planning process begins with an in-depth look into your financial life. We will spend a significant amount of time taking your inputs and making sure that we have all the details required regarding your life goals and finances, before we proceed to building your Financial Plan, advising clients on financial planning and wealth management.
We have an online mutual fund platform which helps the client to invest in all the direct mutual funds. The unique feature of our platform is that, the on boarded client can track all the mutual funds that include regular. However, the regular plans cannot be traded.
Posts made by Wealthladder
RE: How to Invest in Direct Mutual Funds?
RE: Stock Market is soaring? Should You invest now?
@saketnarayane It is obvious that the sip could be the best method of averaging the cost. As far as the lumpsum is concerned, one can invest in a liquid fund and can do an STP for averaging the entry cost.
Stock Market is soaring? Should You invest now?
The stock market is at an all time high. So, the potential investors are worried if this is this the right time to invest.
In fact, there is no good or bad time to enter the stock markets. The equity market can give you returns if you think of staying for a longer period of time. But, you need to be careful and not to get carried away looking at other's rewards. It's quite risky to invest in stocks and one needs to follow a good strategy before investing.
You can gain or you may lose it all, as it is normally said.
Stock market at an all time high: 5 Questions to ask Your advisor
The stock market has been making new all-time highs every other day. RBI raised interest rates successively and gold is not performing well. Given this scenario, what the investors should ask their financial advisor?
1. Since the market is all time high? Is this the good time to enter the market?
There is no good/bad time to enter the market. The equity market always gives an opportunity at all time unless and otherwise, the investor wants to stay for a short period of time. The possibility of getting a negative return shades away if we stay invested for more years in equity. Experts advise investors not to time the market rather time-in the market that gives a better return.
2. Since the market is all time high? Should I exit from my equity portfolio?
The investor can de-risk their portfolio, if their time to achieve financial goal is less than 3 years. If the time to goal is more than 5 years, it advisable to remain invested and you may invest further in a staggered manner. As the earnings are positive, this can lead to gain in the stock prices.
Again, it is the ideal time to rebalance the asset allocation as the equity market has run up quiet a bit. Assuming, the investor maintains an asset allocation of 70% in equity and 30% in debt. The equity allocation could have topped due to the recent run up in the equity market and the present allocation could be 80% in equity and 20% in debt. It is advisable to book profit from the runner and move it into debt to ensure that the portfolio is well balanced.
3. RBI is increasing the interest rate consecutively for the last two monetary policy reviews. Should I exit from debt and move to fixed deposit?
The crude oil increase has an impact in the CAD. The increase in crude oil also put a pressure in the inflation and hence RBI is in the urge of rising interest rates in the last few monetary policies. This leaves the investor getting more interest from the fixed deposits.
The best tax efficient investment seems to be debt mutual funds. The debt mutual funds provides an indexation benefit on the investments held for more than 3 years.
Though the 10year G-sec price is trading at 7.782. We are in the opine that the interest rate may go up further and hence it may be better to invest in accrual funds than a duration strategy. People also invest in ultrashort term and medium term funds to get a decent return.
4. Do I continue my SIP portfolio?
SIP can be continued if the time to goal is long period. If the time to goal is less than 3 years, it is better to stay away from equity and start the SIP portfolio in debt mutual funds to avoid bigger risk.
To accumulate more units through SIP route is getting popular these days. The market may be volatile due to various local and global events.
5. Though the market is high, why is my portfolio is negative?
In the last 7 months, the BSE Sensex started the year with a positive note and was down after the budget announcement on LTCG. This was further down due to PNB fraud case and US-China Tradewar.
However, this started recovering and ended up in July with the positive return of 10%. Though the sensex has delivered a 10% positive return, the midcap & smallcap has delivered a negative return. If the investor portfolio is aligned towards mid & smallcap the overall portfolio returns would be negative.
Sensex Returns Jan-Jul-2018
BSE small cap -13.9%
BSE Midcap -10.4%
BSE largecap 10.4%
Disclaimer: Mutual funds are subject to market risks. This post is not a professional advice in any regard.