SmartDhan, is a boutique investment and financial advisory destination for putting your money to work. We help you determine your financial goals and allocate wealth based on your investment style and risk taking ability. We will also help you seek what you deserve by helping you build your financial statements based on your foresight of your business. Our theme is Trust, Patience and Jubilance
What We Can Do
SmartDhan seeks input to achieve your personal and financial goals by developing a clear financial plan with proper structure and planning. It helps to attain lifestyle goals through guided financial planning through Systematic Investment Plans, Children Education Plans, Children Marriage Plans, Retirement Planning, Buying your dream home or going out for a dream vacation.
Assessing Investment Style
SmartDhan guides you based on your investment style and risk profiling. We categorise clients based on their responses to SmartDhan Questionaire and recommend asset class based on your responses. We go into deep detailing of various sub-asset classes based on performance of schemes over multiple periods.
SmartDhan helps you to assess risks by measuring them and understanding risk parameters critical to the functioning of business. We provide measuring templates that allow corporates to manage risks more effectively.
SmartDhan provides advisory services on making Project Finance Reports and guide corporates in getting most appropritate ratings that helps to bring down the finance cost. We work on historical financial statements and with market knowledge and client guidance develop projected numbers. We represent clients to the rating agencies to discuss business prospects and help in seeking funding for working capital and term loans.
SmartDhan provides extensive training on various facets of financial markets like credit risk, market risk, financial model building, valuations and quantitative finance.
“The Intelligent Investor is a realist who sells to optimists and buys from pessimists.”
- Benjamin Graham, The Intelligent Investor
We believe in investigate then invest and not invest then investigate. Our aim is to make investors aware about their risk aversion and then allocate investments
Assessing Investment Style
We assess the ability of the investor to respond when there is fall in the investment value of their investment. It helps to recommend which asset class to invest.
We categorize investors based on varied degrees of risk aversion like Cautious, Cautiously Prudent, Prudent, Prudently Aggressive and Aggressive.
Recommending Asset Class
Our recommendation of investment is based on the ability of the investor to take risk. We believe in taking risks only based on one’s capacity.
Understanding Tax Matters
We help our investors to take decisions that is tax efficient by making them aware about tax implications on dividend distribution, short term capital gains and long term capital gains
Shortlist Mutual Fund Schemes
We shortlist the schemes based on risk adjusted return* under each asset class and the assess the ability of schemes to withstand investment cycle over short and long term.
Benefit of Compounding
Sensex has given compounded annual growth rate of 16% since inception (1979)
Gold has given compounded annual growth rate of 10% since 1979
Dollar has appreciated against Rupee at compounded annual growth rate of 6% since 1979
Debt investments have the ability to compound return based on accruals and capital gains.
"Compound interest is the eighth wonder of the world"
When the market goes down investor buys at lower prices and when it goes up it benefits the entire portfolio. Regular investing averages the cost and accumulates wealth.
"Be fearful when others are greedy and greedy from others are fearful."
Warren buffet made his first investment at the age of 11. He saved $9800 upto age of 20. He became a millionaire at the age of 32. In the next 20 years he pocketed $250mn. He currently has networth of $65bn.
Its never too late to start. Better late than never.
"The individual investor should act consistently as an investor and not as a speculator."
Financial Planning based on Goals
A well thought about expenditure is worth spending than impluse spending. Impulsive spending leads to unwarranted addiction while spending through planned savings leads to intelligent management of resources
- Buying a Home
- Children’s Education
- Holiday Planning
- Retirement Planning
- Marriage Planning
- Fund accumulation calculator based on Goals