PRACTICE

Financial Planning

Think has the distinction of being one of the first few in India to start financial planning. Infact the partners of 'Think' are amongst the first 100 CFPCM in India. Financial Planning is the process of meeting individual life goals through proper management of one's finances. Life goals can include buying a house, saving for child's higher education, planning for retirement or simply creating a substantial corpus. Ability to understand client's requirement and using various financial tools in effective manner to achieve them has been appreciated by our clients. We provide comprehensive financial planning as well goal specific (Situational Planning)

Investment Management Services

Our investment process involves providing professional investment management of a well-diversified portfolio using no-load mutual funds, investment grade taxable bonds, and other high quality and alternative investment vehicles. Investments are reviewed on a regular basis. This review consists of evaluation of the performance of our clients' portfolios, recommendations for any changes needed, and consideration of new opportunities available to clients at the time. Such a review is conducted periodically as agreed between client and us.

Our investment philosophy is one of a conservative nature that delivers impactful results. It is based on consideration of multiple scenarios and evaluation of what investment categories will fare well given the scenarios we believe will play out over time. Apart from standard asset classes, we review opportunities to invest in various asset classes as well as securities that have been unfairly beaten down and are cheap in all variety of securities. We firmly believe that investment Principles produce generally sound investment results.

Fixed Income

Fixed-income securities are typically having characteristics of a constant and secure return on investment. For example, a retired person might like to receive a regular dependable payment to live on, but not consume principal. This person can buy a bond or a fund with their money, and use the coupon payment (the interest) as that regular dependable payment. At 'Think' we focus our energies in selecting bonds and bond funds that fulfill three basic criteria that of safety, liquidity and returns. We assess the portfolio to understand the risk involved.

Risk Management

Protecting what is important.

Insurance is a critical aspect of any financial plan. An unfortunate event in family whether death or incapacity can severely hamper the families lifestyle. Similarly a catastrophic loss to property or from a lawsuit may upend even the best laid financial plans. We work with our clients to determine appropriate levels of coverage for homeowners, auto, liability, disability, long term care, and life insurance.

Tax Planning

We work with our clients' designated tax professionals to identify any special circumstances that may impact their financial plan. We may also make alterations to their investment mix based on certain tax considerations. We understand how difficult it can be to organize and keep track of all the necessary information that goes into the annual tax return. This is why we maintain a database of such information as interest income, capital gains and losses, investments cost basis, and withdrawals or contributions to retirement accounts.

Retirement Planning

We help our clients answer the primary financial question people ask us, "Will I be able to maintain my standard of living in retirement?" We prepare retirement projections that provide an illustration that allows our clients to see if they are on track to have the retirement they want. We have a robust set of tools we can use to demonstrate how different assumptions on retirement dates, savings rates, lifestyle expectations, longevity expectations, and market conditions can affect our clients' ability to meet their retirement goals. When building these projections, we prefer to use conservative estimates for returns, inflation and longevity. This conservative stand allows us to build retirement plans robust enough to survive extreme market conditions.

Trust Services

Trusts can be an effective tool to ensure certain assets are eventually deployed in a manner consistent with the grantor's wishes. In many circumstances, trusts can also be used as part of a tax strategy or to protect certain assets from creditors. As a result of these benefits, many clients come to us with existing trusts or with trusts forming a part of their estate plans. We offer the same investment services for assets in trust as we do for those in retirement or normal investment accounts.

Estate Planning

Estate planning is the process by which an individual or family arranges the transfer of asset in anticipation of death or incapacitation. Think has the necessary bandwidth to carry out the estate planning process so as to preserve the maximum amount of wealth possible for the intended beneficiaries and flexibility for the individual prior to death. At 'Think' we use various tools of estate planning like Wills, Trusts, Power of attorney, etc.

Mutual Fund

Mutual funds are investment vehicles, and you can use them to invest in asset classes such as equities or fixed income. It is widely recommended by experts that you use the mutual fund investment route rather than invest yourself, unless you have time and expertise.


Investing in Mutual Funds offers several benefits:


  • Professional expertise – Fund managers are professionals who track the market on an on-going basis. With their mix of professional qualification and market knowledge, they are better placed than the average investor to understand the markets.
  • Diversification – Diversification of a portfolio is amongst the primary tenets of portfolio structuring. And a necessary one to reduce the level of risk assumed by the portfolio holder. Most of us are not necessarily well qualified to apply the theories of portfolio structuring to our holdings and hence would be better off leaving that to a professional. Mutual funds represent one such option
  • Relatively less expensive – When compared to direct investments in the capital market, Mutual Funds cost less. This is due to savings in brokerage costs, de-mat costs, depository costs etc
  • Liquidity – Investments in Mutual Funds are completely liquid and can be redeemed at their Net Assets Value-related price on any working day.
  • Transparency – You will always have access to up-to-date information on the value of your investment in addition to the complete portfolio of investments, the proportion allocated to different assets and the fund manager's investment strategy
  • Flexibility – Through features such as Systematic Investment Plans, Systematic Withdrawal Plans and Dividend Investment Plans, you can systematically invest or withdraw funds according to your needs and convenience
  • SEBI regulated market – All Mutual Funds are registered with SEBI and function within the provisions and regulations that protect the interests of investors. AMFI is the supervisory body of the Mutual Funds industry