Goal-Based Planning

Costing the goal forward

Today's price is the wrong number. A course that costs ₹18 lakh today costs considerably more by the time your child reaches it, and the gap between those two figures is where most plans quietly fail. We inflate each goal to its actual date before working out what it takes to fund.

Auditing what you already hold

Before adding anything new, we look at what you have — EPF, PPF, existing funds, endowment policies, property, fixed deposits — and check what each is realistically going to cover. Quite often the answer is that a client is over-invested in one place and short in another, and no new product is needed at all.

Separating the goals

A goal three years away and a goal eighteen years away need different structures. Short-horizon money should not sit in equity where a bad year can wipe out the deposit you need next spring. We keep goals in separate portfolios so they never compete for the same rupee or the same risk budget.

Before investing begins

Two things come first: an emergency fund covering roughly six months of expenses, and adequate term life and health cover. Investing on top of an uncovered risk is how a single hospital bill undoes eight years of SIPs.