ELITE WEALTH MANAGEMENT LTD

Financial Planning SolutionsIntegrating the Future Planning & Current Priorities

About Us

• Incorporated in 1990, Elite Wealth Advisors Ltd. is member with NSE, BSE and a SEBI Authorized Portfolio Manager.

• Mr. Ravinder P Seth, the “Founder & Managing Director” of Elite Wealth Advisors Ltd. has a rich experience of over 25 years in the financial markets and is acclaimed of steering the organization for providing right minded and profitable financial services with a firm belief of making “people’s money work for them”.

• Since inception, Servicing has been a core focus of Elite Wealth. Our Elite team consists of service oriented people with an Individual Centric Approach.

Elite Wealth Group Strength• One of the leading integrated financial services groups of

India.• Broad spectrum of services and in-depth expertise across a

wide range of sectors.• Clientele base of more than 50,000 and growing, across the

retail, wealth and Institutional spectrums.• Premium advisory services based on technical &

fundamental views and strategies in both equity & derivatives segments.

• Width and depth of management leading a formidable employee base.

• Continue expanding network of 250 business locations across India

(Owned & Business Partners).

Unstable Asset Portfolio - Need to Stress

You can be STRESS – FREE if your Portfolio is STABLE.

You would like to provide financial security to your self and your loved ones but without having any written financial plan, You shall face these worries:-

Need–Financial Planning

Without Financial Planning is like Unplanned Vacation therefore you need it for:- •To fund your future needs through right mix of investments.•To protect your future from unforeseen contingencies.•To maintain the same standard of living after the retirement also.•To enable risk management through diversification.•To beat the ravages of inflation.Therefore, “ A good Financial Planner is one who

understands your future requirements along with your emotional connectivity, sensitivity and has the ability to evoke trust and respect from the customer”.

Building Blocks – Financial Planning

Goals of INVESTMENT

Build Financial Security for your Family.

Child’s Education & Marriage

Creation of Wealth – For Family

Money for Emergencies

An Independent Retired Life

Legacy for future generations

Process – Financial PlanningFinancial Planning is a disciplined process of framing

objectives, policies, procedures, programmes and budgets regarding the financial activities and goals of an individual.

Estabish a Client – Advisor

relationship & define the scope

of services.

Analyse the Risk Appetite

and Current’s Financial Health of the Client.

Understand the

Client’s Life Goals.

Develop appropriat

e strategies to achieve the Goals.

Discuss the

strategies with the

client and select

appropriate strategy

Submit the

recommendations to the client.

Three Parameters to Check For Financial PlanningGOAL or OBJECTIVE

Must be linked with Emotions and not LOGIC only..

RISK APPETITEDefine the clearly, Don’t Expect 100%

Return at 10% Risk

Time Horizon Define the investment for short term &

long term.

Objective – Financial Planning

FINANCIAL

PLANNING

Portfolio Engineering or Investment Portfolio is fully customized as per Investor’s Goals and Risk appetite.

Investment Choice

Investment

Avenues

Bank Deposits Money

Market Funds

Bullion

Real EstateDirect

Equity / PMS

Mutual Funds

Insurance

Commodity

Currency

Govt. Schemes

Selection of Investment Avenue would be determine as per the Client’s Risk profile and accordingly design appropriate Asset Allocation with regard to the life stage.

Asset Allocation Avenues

Asset Allocation at Different Life Stages

On the basis of life – stages, develop three different Asset Allocation Stages to accumulate

the Wealth.

Asset Creation Stage Investor Age – 27 – 35 Years.

Financial Goals – • Planning to purchase a house in next 5-8

years.• Planning for family in 2 Years time. • Creating long – term wealth for

retirement.

Investment Strategy Aggressive Growth Portolio

Asset Management Stage Investor Age – 36 to 54 Years.

Financial Goals-•Has a Housing Loan.•Providing for Children Education (7-10 Years).•Planning for Child’s Wedding (15- 20 Years)•Take care of old Parents.•Planning for Retirement.

Investment Strategy Balanced Portfolio

Asset Preservation Stage Investor Age – 55 Years & Above

Financial Goals•Regular Income to fulfill the basic needs.•Medical Cost•Legacy for Future Generations

Investment Strategy Conservative Portfolio

Importance -Asset Allocation• Asset Allocation allows building of portfolios

bearing in mind in respective and specific financial goals.

• The goal of Asset Portfolio is to spreading assets across different types of investment products and to provide the targeted return balanced with your risk profile.

• A diversified portfolio can help capture the gains within asset classes .

• The Asset Allocation portfolio allows to benefit from market movements and rebalancing also helps to smooth out the effects of market volatility.

• Maximizing returns without sacrificing too much on potential gains over a longer time horizon.

Financial Planner –Thumb Rules

Aggressive Investors should hold stocks , Conservative Investors should hold bonds.

Long -term Investors can afford to take more stock market risk than short – term investors.

Relationship – Risk & Return

Benefits of Elite Financial Planning1. Assess your financial situation by helping you track income and

expenses, establish an emergency fund, and determine your overall net worth

2. Save for major expenses like funding a child's education, buying a house or car, or developing a cash reserve for special occasions like weddings and vacations

3. Plan for your retirement by estimating your retirement income and expenses and the value of government programs. Then you can begin to determine the amount you need to save to meet your retirement goals.

4. Assess your risk tolerance and develop an asset allocation strategy.

5. Plan to reduce your taxes, project the effect of income taxes, and develop a tax-deferred strategy

6. Protect you and your family against financial crisis should you become disabled or die.

7. Plan your estate to ensure your assets are distributed the way you desire, fund estate taxes, and minimize their effects where possible.

Overview – Financial Planning

Contact us

For Any Query,

Call Us :- 9650901058

Email Id :- marcom@elitewealth.in

Address :- Elite Wealth Advisors Ltd.

S-8, DDA Shopping Complex,

Mayur Vihar Phase 1

Delhi - 110091