Invest with Purpose. Achieve Every Life Goal.

Goal-based investing is a strategic approach where you invest with specific life goals in mind (like retirement, child's education, home purchase) rather than investing randomly. Each goal has its own portfolio, timeline, and investment strategy. This approach provides clarity, discipline, and better outcomes compared to traditional investing where funds are scattered without purpose. Goal-based investing helps you stay focused on long-term objectives and prevents emotional decisions during market volatility.

We calculate the required corpus by considering current costs, expected inflation rates, time horizon, and your specific requirements. For example, for child's education, we factor in the type of course (engineering, medical, MBA), location (tier 1/2/3 city or overseas), and education inflation (typically 10-12% annually). Our goal calculators help you visualize the future cost and plan accordingly. We also account for your existing savings and investments to determine the gap that needs to be bridged.

Absolutely! Most clients have multiple financial goals running simultaneously. We create separate investment portfolios for each goal based on their timelines and risk profiles. Short-term goals (3-5 years) may have more debt allocation, while long-term goals (15+ years) can have higher equity allocation. Each portfolio is monitored independently, and we provide consolidated reports showing progress across all your goals. This approach ensures that one goal doesn't compromise another.

If the calculated monthly SIP seems high, we work with you to find solutions. Options include: extending the goal timeline, adjusting the goal amount, starting with a smaller SIP and increasing it annually as your income grows, or exploring additional income sources. We believe in realistic planning - it's better to start with what you can afford and increase gradually rather than not starting at all. Our experts help you create a flexible plan that fits your current financial situation.

We recommend annual comprehensive reviews for all goals, with quarterly check-ins for major goals. However, we also review portfolios when there are significant life changes (job change, salary increase, new goals, etc.) or major market movements. During reviews, we assess progress, rebalance portfolios if needed, and adjust strategies based on changing circumstances. Our systematic review process ensures your investments stay aligned with your evolving goals and market conditions.