For Business Owners & Self-Employed

Bring discipline to irregular cashflows

As a business owner, your income is often irregular and linked to cycles in your business. We help you ring-fence a portion of profits into contingency buffers, growth portfolios and retirement income streams—without choking working capital.

Liquidity & ContingencyGoal-based SIP / STPRetirement SWP

Typical pain points

• Income is uneven; investments get delayed until there is a “big surplus”.
• Surplus sits idle in current accounts or FDs at low rates.
• No separate contingency corpus for business slowdowns or emergencies.
• Retirement corpus is not clearly separated from business assets.
• Tax impact of drawings, profit and investments is not coordinated.

Our typical framework

• Separate business working capital, contingency corpus and long-term wealth creation buckets.
• Use liquid / short-duration debt funds for contingency and planned expenses, with visibility on when funds can be drawn.
• Allocate part of annual/quarterly surpluses into diversified equity SIPs and STPs aligned to clear goals.
• Design a future SWP structure so that you are not dependent only on business or rental income post-retirement.

A journey tailored for business owners

Start with a Financial Assessment to map business and personal cashflows separately.
Use the SWP Calculator to visualise a future monthly income stream from your retirement corpus.
For long-term wealth and specific goals (children, home, lifestyle), run Goal Calculators and design SIP/STP structures accordingly.
Combine this with Tax Assessment so that drawings, investments and tax planning work together.

Exact schemes, amounts and timing are customised after we understand your business cycles, liabilities and risk appetite in detail.

Speak with an expert Explore portfolio management

Important Disclosures & Risk Information

• HRP Wealth currently acts as an AMFI registered mutual fund distributor (ARN-342284) and IRDA authorized insurance consultant. We do not act as a SEBI registered investment adviser (RIA) as of now.
• We may receive commissions and incentives from AMCs / insurers for the products you choose. We do not charge any additional planning fee unless explicitly agreed in writing.
• All information, illustrations, and calculator outputs on this website are for education and awareness only. They are not a recommendation to buy, sell, or switch any specific scheme.
• We do not provide intraday trading tips, guaranteed returns, or unofficial shortcuts. We never ask for your internet banking / OTP / login credentials.