We offer tailored investment solutions designed to help you achieve your financial milestones while maintaining optimal asset allocation and risk management.
Our investment planning services adopt a truly personalised and dynamic approach, ensuring that each solution is uniquely crafted to match the individual needs and aspirations of every investor or family. There are no generic or one-size-fits-all plans at Arthika Swatanthra. Instead, we begin by conducting a detailed discovery meeting where we listen closely to your goals, concerns, and priorities. During this interaction, we gather essential information about your risk appetite, investment time horizon, and specific financial objectives.
We meticulously record and analyse all relevant data from these discussions to gain a comprehensive understanding of your circumstances. Based on this analysis, we design an investment strategy that carefully balances optimal asset allocation and prudent risk management, aligned with your unique priorities and timelines.
Recognising that life and financial situations evolve, we conduct annual risk profiling to reassess your risk tolerance and ensure your investment plan remains appropriately structured. Beyond annual reviews, we also update your investment plan proactively whenever there are significant changes in your life—such as shifts in income, cash flows, loans, or other investments—to keep your portfolio in sync with your current needs and future ambitions. Our commitment is to provide you with investment solutions that are not only tailored and responsive but also designed to give you confidence and clarity on your journey towards achieving your financial milestones.
Knowing ourselves well is more important than choosing products first. Risk Profiling helps in doing that. By carefully answering a well-researched set of questionnaires, your risk appetite can be known. This may not remain constant forever with changing dynamics of micro and macro-economic factors. Hence, it is important to go back and re-assess after regular interval.
There are many investment products available in the market. The first check should always be that the product must be regulated by a govt. appointed regulatory body. Next, you must consider the suitability. All products are good in their own context and with a certain section of investors. Whether the same suits you or not, depends on your risk profile, investment horizon, liquidity needs and taxation aspect. Also, there are certain products which cater only to a particular section of society, e.g. resident individuals, senior citizens, girl child etc.
We should not put all eggs in one basket i.e. not all our money in one single investment product or category. Distributing our investments into poorly correlated asset classes often saves us from big losses and is expected to generate a steady return. Asset allocation must be re-aligned or re-allocated at regular intervals. There are investment products available which aim to inculcate this very principle of asset allocation in the way they are managed. Otherwise, custom asset allocation can always be done.
