august, 2016 price volume 10, issue 8 a monthly

Indices 1st 29th Change

July July in (%)

2016 2016

Dear Investor,

The stock market performed well in the month of July 2016. Although the market looks buoyant, certain concerns at domestic and global level could keep it tentative at times. On the domestic front, India's fiscal deficit at ` 3.26 lakh crores during April-June 2016 stood at 61.1 percent of the full year as against 51.1 percent last year. This largely happened on account of rise in revenue expenditure and subdued realization of non-tax revenue. Moreover, the implementation of the 14th Finance Commission award has prevented the government from setting aside higher amount for capital spending.

While the quarterly results of corporate India have been a mixed bag, the market has been bullish on the prospects of the passage of GST bill. The country moved a significant step closer to making it a reality as the Union Cabinet approved amendment to the Constitutional Amendment Bill. The government has accepted a key demand of the Congress to remove a 1 percent tax on inter-state transactions. The legislation is expected to be taken up in Rajya Sabha in the first week of August. However, if the government fails to get GST passed, there is going to be increased volatility in the market for some time.

On the global front, the focus was on US Fed's decision on interest rates and Bank of Japan's announcement on its monetary easing programme. The Federal Reserve left interest rates unchanged while acknowledging that risks to the US economy have subsided. While Japan's prime minister unveiled a surprisingly large $ 265 billion stimulus package to reflate the world's third largest economy, Bank of Japan disappointed by announcing a modest expansion of its monetary easing programme on account of uncertainty facing the world's markets after Brexit.

Coming back to the domestic scenario, the above average monsoon is likely to help bolster farm productivity that will keep the inflation under check. Besides, apart from alleviating rural distress, it will boost rural income and consumer demand.

Considering that Indian economy is on a recovery path, there is a case for increasing allocation to equity and equity oriented balanced funds. Needless to say, the allocation to these funds should be in line with your risk profile and time horizon. In fact, these are good times to have a close look at your existing portfolio and if needed, realign it to get the best from the growth of sectors and themes likely to do well going forward.

Warm regards,

Hemant RustagiEditor

The Stock MarketPerformanceDuring July 2016.

Sensex 27,144.91 28,051.86 3.34

MIDCAP 11,857.56 12,661.06 6.78

SMLCAP 11,885.43 12,309.95 3.57

BSE-100 8,486.19 8,856.01 4.36

BSE-200 3,538.66 3,692.08 4.34

BSE-500 11,106.31 11,585.96 4.32

Registered - R.N.I. No.: MAHENG/2007/19802 • Postal Regd. No.: MCN/72/2016-2018 • Posted at Mumbai Patrika Channel Sorting Office, GPO, Mumbai on 9th & 10th of every month.

Volume 10, Issue 8

August, 2016

A Month ly Publ icat ion f rom Wiseinvest Advisors Private Limited

Price ` 2

Inside Pg No.

“Wealthwise” is a monthly publication brought to you by Wiseinvest Advisors, which is a quality investment advisory firm that specializes in mutual funds. Our CEO, Hemant Rustagi, is a well known personal finance expert. He brings with him an experience of more than 25 years in this field. He regularly writes articles for major national dailies and business magazines as well as appears as a personal finance expert on many investments related TV shows. Besides, our team of advisors has professionals who have spent years in the mutual fund industry. In the last eleven years, thousands of our clients have benefitted from our quality advice and have made mutual funds as the mainstay of their portfolio. You can benefit too from our expertise for your existing as well as new investments. All you need to do is to just call up any of the branches or email your requirements at

and our professional advisors will do the [email protected]

Wealthwise

Address to be affixed here

2,3 & 5Your Must - have Funds

- Part 2

4Performance Of Select Funds

6It's Time To Embrace FinancialPlanning

This is part 2 of the series wherein we are presenting funds that have the potential to do well consistently,

as well as be a part of every mutual fund investor's portfolio

Your Must - Have Funds - Part 2

Investment Objective

Investment Philosophy

The primary investment objective of the fund is to seek to generate capital

appreciation & provide long-term growth opportunities by investing in a

portfolio constituted of equity securities & equity related securities and the

secondary objective is to generate consistent returns by investing in debt and

money market instruments.

The fund is managed by Mr. Sailesh Raj Bhan and has a corpus of `11024

crore as on July 31, 2016.

Reliance Equity Opportunities Fund is a multi-cap fund which endeavors to

create alpha, and thereby generate superior returns by identifying potential

opportunities ahead of time. The fund may take significant deviations from

the benchmark for the purpose of creating alpha.

The Fund invests into big emerging opportunities, undiscovered, Non

Traditional sectors with high growth potential, which may be at nascent stages

now, but have the potential to be much larger over a period of time.

It also identifies out-of-favor themes ahead of time. For instance, the fund

took 20% exposure to Pharma in 2007 when the index weight was only 3%.

The portfolio construction is done with a medium term to long term

perspective and the attempt is to achieve superior risk adjusted returns over

long term.

Our RecommendationThe fund enjoys a long-term established performance track record.

Considering it follows an investment philosophy of investing in emerging

opportunities, there can be periods of higher volatility and under-

performance. However, these short term movements need to be ignored as the

fund has the potential to do well over the longer term as it focuses on domestic

revival. Hence, it should be a part of every mutual fund investor's portfolio. In

terms of strategy, investing through a mix of lump sum and systematic

investing can allow investors to get the best out of their investment in this

fund.

(To know more about this fund and / or to invest in this fund, please call

any of our offices. The contact details have been provided on page no. 6).

Performance as on July 29, 2016

Fund Launch 6-Month* 1-Year* 2-Year** 3-Year** 5-Year** 7-Year** 10-Year** 15-Year**

Reliance Equity Fund Mar-05 8.90 -3.47 10.69 24.92 15.15 18.85 16.56 -Opportunities

S&P BSE Sensex Index 12.79 -0.22 4.09 13.20 9.03 8.67 10.07 15.26

Returns (%)

*Absolute. **Annualised. Past performance may or may not be sustained in future. Mutual Fund Investments are subject to market risk. Please read the scheme information documents carefully before investing.

Reliance Equity Opportunity Fund

Segment - wise exposure - Data as on June 30, 2016

Large Cap Mid Cap Small Cap Total Alpha Beta Standard

(%) (%) (%) (%) Deviation

51.23 40.89 7.88 100 7.87 1.04 18.22

Top 15 Holdings as on June 30, 2016

Company Name % of Net Assets

State Bank of India 6.86

Indian Hotels Co Ltd 5.73

ICICI Bank Ltd 5.41

HDFC Bank Ltd 5.40

Larsen & Toubro Ltd 4.14

Axis Bank Ltd 4.08

Divi's Laboratories Ltd 3.58

Abbott India Ltd 3.40

Tata Motors Ltd 3.18

HCL Technologies Ltd 3.17

Bharat Electronics Ltd 3.04

Cummins India Ltd 2.93

Max Financial Services Ltd 2.87

Bharat Forge Ltd 2.86

Sector - wise exposure (%) - Data as on June 30, 2016

Financial Technology Energy Health FMCG Services Auto- Diversified Construction Engineeringcare mobile

26.22 5.76 1.70 8.62 2.81 19.42 6.04 4.14 3.81 16.73

August 2016 | Page No. 2

Your Must - have Funds - Part 2


Investment Philosophy & Strategy

BSL Frontline Equity Fund (FEF) is an open ended growth scheme with the

objective of long-term growth of capital through a portfolio with a target

allocation of 100 percent equity by aiming at being as diversified across

various industries and / or sectors as its chosen benchmark index, BSE 200.

The secondary objective is income generation and distribution of dividend.

The fund is managed by Mr. Mahesh Patil and has a corpus of ` 13131.20

crores as on July 31, 2016.

It is a large-cap bias fund and it seeks to maintain its sectoral weightage within

a tight range of the sectoral allocation of its benchmark index (BSE 200). It

avoids taking larger risks thereby emphasizing on beating the index by a

reasonable margin. The fund's core portfolio (85% allocation towards large

cap companies) will constitute of long-term holdings (> 2 years) which are

stable in nature whereas it has limited exposure towards quality midcaps (upto

15%) with the aim of generating alpha.

The fund follows a bottom-up approach of stock selection and looks at factors

such as quality of management, growth potential, reasonable valuations,

sectoral dynamics etc., while deciding on the stocks that would enter the

scheme. Similarly when the stock fundamentals do not favour the portfolio or

when the target levels are achieved or when any reasonable investment

opportunities are identified or when mispricing of stocks is spotted, then

decision on exiting a particular stock or stocks is made.

Our RecommendationBirla Sunlife Frontline equity fund has been a consistent performer. It's

superior performance can be attributed to the disciplined investment strategy

it follows. In fact, identification of key trends prevailing in the market and the

investment approach (a blend of top-down and bottom-up approach) has

helped the fund beat its benchmark by 5% (annualized basis) over a 10 year

period across business cycles. Besides, superior stock selection process

followed by the fund allows it to be a consistent performer.

We recommend that investors seeking long term capital appreciation from

investment spread across sectors can invest in this fund. Since this fund

focuses on large cap companies, it can be a part of the core portfolio of a long-

term investor.





(%) (%) (%) (%) Deviation

87.92 12.08 - 100 7.00 0.99 15.46

Birla Sun Life Frontline Equity



HDFC Bank Ltd 6.78

Infosys Ltd 5.36

Reliance Industries Ltd 4.16

ITC Ltd 3.72

Clearing Corporation of India Ltd 3.70

Larsen & Toubro Ltd 3.59

ICICI Bank Ltd 2.98


IndusInd Bank Ltd 2.53


Maruti Suzuki India Ltd 2.34

Grasim Industries Ltd 2.30

Axis Bank Ltd 2.20

Sun Pharmaceuticals Industries Ltd 2.14

Housing Development Finance Corp Ltd 2.09


Financial Technology Energy FMCG Services Auto- Diversified Construction Engineeringmobile

28.98 9.91 13.22 8.69 2.27 7.74 5.90 3.01 2.24



Birla Sun Life Frontline Aug-02 17.67 5.93 13.50 23.47 15.56 14.86 16.65 -

Equity Fund


Returns (%)


Page No. 3 | August 2016


Performance Of Select FundsData as on July 29, 2016

Mutual funds, like securities investments, are subject to market and other risks. As with any investments in securities, the NAV of units can go up or down depending on the factors and forces affecting capital markets.

Please check whether you have received dividend for the fund/s that you may have in your portfolio out of this list. In case, you do not maintain any portfolio statement, Wiseinvest Advisors can do that for you free of charge. Once we have the details, we would send your updated statement every month. You can contact our corporate office or any of the branches to avail of this free service.

EQUITY FUNDSDiversified Fund Launch 1-Month* 3-Month* 6-Month* 1-Year* 2-Year** 3-Year** 5-Year**Axis Equity Fund Jan-10 3.58 7.77 11.93 1.60 9.54 17.96 13.27Birla Sun Life Frontline Equity Fund Aug-02 5.51 12.47 17.67 5.93 13.50 23.47 15.56Birla Sun Life Equity Fund Aug-98 7.25 12.95 20.82 7.74 14.67 30.46 16.52BNP Paribas Equity Fund Sep-04 4.29 8.35 15.64 0.59 12.97 22.21 15.90Canara Robeco Equity Diversified Sep-03 6.07 10.84 11.73 -3.46 7.85 17.26 11.65Franklin India Prima Plus Fund Sep-94 3.19 8.64 15.48 4.65 17.87 26.96 16.69HDFC Equity Fund Jan-95 5.39 13.08 19.43 1.07 7.76 24.19 11.81HDFC Top 200 Fund Sep-96 5.77 12.90 19.89 2.64 7.87 21.38 11.43ICICI Prudential Dynamic Fund Oct-02 4.45 9.65 14.71 7.03 8.44 22.29 13.34ICICI Prudential Focused Bluechip May-08 5.10 11.73 16.88 4.90 11.33 21.20 13.89Kotak 50 Regular Plan Dec-98 4.44 10.42 15.31 3.54 14.11 21.23 12.76Kotak Select Focus Fund Sep-09 5.55 14.09 19.23 6.95 19.01 27.29 17.25L&T Equity Fund May-05 5.69 12.84 15.28 2.95 12.99 22.93 13.40Motilal Oswal MOSt Focused Multicap Apr-14 8.16 14.11 20.69 6.85 27.40 — —Reliance Top 200 Fund Aug-07 5.49 12.07 13.69 -0.15 12.37 24.67 14.26Invesco India Contra Fund Apr-07 4.38 10.17 13.76 3.74 15.93 32.08 15.76SBI Bluechip Fund Feb-06 5.48 11.61 16.00 8.24 17.66 26.26 17.57UTI Opportunities Fund Jul-05 4.84 10.83 15.89 0.75 7.35 16.74 12.12

Sector, Specialty & Tax SavingCanara Robeco F.O.R.C.E Fund Sep-09 5.73 15.20 19.51 3.24 18.22 23.92 15.19ICICI Prudential Infrastructure Fund Aug-05 3.92 12.71 16.23 -4.32 6.16 23.24 7.95Reliance Banking Fund May-03 6.81 15.81 24.51 3.80 13.41 27.79 13.56Reliance Pharma Fund Jun-04 5.69 5.68 0.35 0.52 18.20 26.39 19.13Axis Long Term Equity Fund Dec-09 5.81 12.02 12.91 5.93 18.10 31.50 20.97HDFC Taxsaver Fund Mar-96 4.71 11.89 17.20 0.26 7.38 23.45 11.54IDFC Tax Advantage (ELSS) Fund Dec-08 5.27 11.00 13.83 -0.83 14.53 24.99 16.19Reliance Tax Saver Fund Sep-05 4.00 10.00 15.21 1.91 13.11 33.67 17.72

Midcap & SmallcapCanara Robeco Emerging Equities Mar-05 5.70 13.66 15.82 4.54 23.74 43.48 23.30DSP BlackRock Micro Cap Fund Jun-07 3.87 15.40 21.28 16.16 32.02 52.09 25.68Franklin India Smaller Companies Fund Jan-06 4.92 13.44 20.76 14.37 24.85 43.49 26.30HDFC Mid-Cap Opportunities Fund Jun-07 6.30 14.59 19.77 9.50 21.41 37.42 20.95ICICI Prudential Value Discovery Fund Aug-04 3.48 10.55 16.83 4.78 16.06 36.08 20.44IDFC Premier Equity Fund Sep-05 5.83 11.36 15.32 2.82 18.01 30.04 18.72Motilal Oswal MOSt Focused Midcap 30 Feb-14 7.06 14.58 15.94 5.89 27.24 — —SBI Magnum Global Fund Sep-94 2.55 7.00 12.09 1.45 18.46 30.21 18.89L&T India Value Fund Jan-10 6.46 15.07 15.74 8.02 21.48 35.17 20.84Reliance Equity Opportunities Fund Mar-05 3.84 10.00 8.90 -3.47 10.69 24.92 15.15

HYBRIDEquity, Debt Oriented & Multi Asset ClassBirla Sun Life Balanced '95 Fund Feb-95 5.09 11.30 15.53 9.51 16.15 24.04 15.15Canara Robeco Balance Fund Feb-93 4.62 9.20 12.05 3.01 13.56 21.86 14.10HDFC Balanced Fund Sep-00 4.29 9.33 14.50 7.48 14.11 26.13 15.32HDFC Prudence Fund Feb-94 4.68 11.20 16.06 5.10 10.19 24.74 13.14ICICI Prudential Balanced Advantage Dec-06 3.46 8.44 12.12 7.37 12.09 19.33 14.39ICICI Prudential Balanced Fund Nov-99 4.17 10.31 15.69 7.07 13.55 23.28 15.99L&T India Prudence Fund Jan-11 4.74 10.22 11.55 6.61 16.52 24.56 16.15Reliance Regular Savings Fund - Bal Jun-05 4.66 9.12 11.52 7.30 13.83 23.54 14.62SBI Magnum Balanced Fund Dec-95 3.84 8.00 11.24 6.58 15.11 23.52 16.10Tata Balanced Fund Oct-95 4.96 10.16 12.66 5.27 16.04 24.79 16.82Axis Triple Advantage Fund Aug-10 3.08 6.40 12.06 9.80 9.53 11.32 9.44Franklin India Dynamic PE Ratio Fund Oct-03 2.43 6.05 9.67 6.36 10.74 15.16 10.61Kotak Equity Savings Fund Oct-14 2.09 4.56 6.44 6.22 — — —

Arbitrage FundsICICI Prudential Equity Arbitrage Fund Dec-06 0.62 1.74 3.35 6.41 7.21 8.11 8.46IDFC Arbitrage Plus Fund Jun-08 0.94 2.08 3.60 6.65 6.90 7.60 7.85Kotak Equity Arbitrage Fund Sep-05 0.57 1.68 3.28 6.43 7.27 8.19 8.36Invesco India Arbitrage Fund Apr-07 0.59 1.63 3.16 6.37 7.22 7.70 7.89

*Absolute ** Annualised. Past performance may or may not be sustained in future.

DEBTIncome, Short Term & Ultra Short Term Funds Funds Launch 1 Week* 1 Month* 3 Months*6 Months* 1 Year* 2 year** 3 Year**Birla Sun Life Short Term Opp. Fund May-03 0.45 1.80 3.16 6.34 10.15 10.25 10.57Birla Sun Life Dynamic Bond Fund Sep-04 1.22 3.02 5.10 9.85 12.52 12.71 11.96Birla Sun Life Medium Term Plan Mar-09 0.34 1.23 2.75 5.86 10.22 10.62 11.03HDFC Corporate Debt Opp. Fund Mar-14 0.50 1.64 2.93 5.86 10.28 10.74 —Kotak Income Opportunities Fund May-10 0.48 1.54 2.85 5.48 9.89 9.93 10.34Invesco India Short Term Fund Mar-07 0.48 1.71 2.87 4.97 8.32 8.59 8.72Invesco India Bank Debt Fund Dec-12 0.17 0.86 2.11 3.61 7.05 7.37 7.78Reliance Savings - Debt Jun-05 0.34 1.16 2.64 5.24 9.22 9.68 9.99SBI Magnum Income Fund Nov-98 0.27 1.84 3.76 6.49 10.28 10.24 8.51L&T Income Opportunities Fund Oct-09 0.40 1.39 2.88 5.34 9.54 10.17 10.56BNP Paribas Flexi Debt Fund Sep-04 0.99 2.93 4.25 7.63 10.84 11.31 10.55BNP Paribas Money Plus Fund Oct-05 0.17 0.85 2.08 4.33 7.99 8.17 8.64Kotak Treasury Advantage Fund Aug-04 0.18 0.81 2.16 4.39 8.26 8.75 9.22L&T Ultra Short Term Fund Apr-03 0.19 0.88 2.19 4.55 8.53 8.71 9.21UTI Short Term Income Fund Aug-07 0.37 1.56 2.92 5.05 9.43 9.39 10.00Kotak Banking and PSU Debt Fund Dec-98 0.40 1.41 2.81 5.10 8.99 8.99 10.07

Regular

Dividends declared by equity and equity-oriented funds duringthe month of July 2016 Scheme name Date Dividend declared in ̀ Per unit

UTI Dividend Yield Fund (D) 07/07/2016 0.55ICICI Pru Balanced Adv (QD) 08/07/2016 0.15Tata Equity P/E Fund (D) (TO-A 5%) 11/07/2016 0.60Kotak Equity Savings Fund (MD) 12/07/2016 0.04UTI SPrEAD Fund (D) 14/07/2016 0.07ICICI Pru Equity Income Fund (MD) 15/07/2016 0.04ICICI Pru Equity-Arbitrage (D) 15/07/2016 0.07Kotak Classic Equity (D) 15/07/2016 0.50ICICI Pru Balanced Fund (MD) 15/07/2016 0.12Edelweiss Prudent Advantage Fund (D) 18/07/2016 0.10L&T India Prudence Fund (D) 19/07/2016 0.08Mirae Emerging Bluechip Fund (D) 20/07/2016 2.00JPMorgan India Equity Fund (D) 21/07/2016 0.20Birla SL Pure Value Fund (D) 22/07/2016 2.20Birla Sun Life Top 100 (D) 22/07/2016 1.41HDFC Arbitrage Fund - WP (MD) 25/07/2016 0.04JM Arbitrage Advantage (D) 25/07/2016 0.06Kotak Equity Arbitrage (BMD) 25/07/2016 0.24Reliance Arbitrage Advantage (MD) 25/07/2016 0.05Reliance Equity Savings Fund (MD) 25/07/2016 0.05Edelweiss Absolute Return Fund (D) 25/07/2016 0.22Kotak Balance (D) 25/07/2016 0.08Indiabulls Arbitrage Fund (D) 26/07/2016 0.05JPMorgan India Equity Income Fund (D) 26/07/2016 0.25Mirae (I) Opportunities (D) 26/07/2016 1.50IDFC Arbitrage Fund (D) 28/07/2016 0.05IDFC Arbitrage Plus (D) 28/07/2016 0.08IDFC Dynamic Equity Fund (D) 28/07/2016 0.18Axis Equity Saver Fund (MD) 28/07/2016 0.06DSP-BR Balanced Fund (D) 28/07/2016 0.24Birla SL Enhanced Arbitrage (D) 29/07/2016 0.06Birla SL New Millennium (D) 29/07/2016 1.27Can Robeco FORCE (D) 29/07/2016 1.20ICICI Pru Growth Fund-Sr1 (D) 29/07/2016 0.75ICICI Pru RIGHT Fund (D) 29/07/2016 2.00ICICI Pru Value Fund - Sr 3 & Sr 7 (D) 29/07/2016 0.75SBI Arbitrage Oppor. Fund (D) 29/07/2016 0.05

Your Must - Have Funds - Part 2


Investment Philosophy and Strategy

The fund aims to generate capital appreciation through investment in equity

and equity related instruments. It seeks to generate capital appreciation

through means of contrarian investing.

The fund is managed by Mr. Vetri Subramaniam & Mr. Amit Ganatra and has a

corpus of ̀ 254 crore as on July 31, 2016.

The fund follows an investment philosophy of identifying undervalued stocks

across sectors utilizing both top down and bottom up approach and incubating

such stocks for a while before they find favours with the rest of the market. In

other words, the fund is “ Early to take on risk” and has a value bias that helps

in avoiding expensive valuations.

The fund invests across market capitalization and has a clear preference for

companies that are in turn around phase and trading below their fundamental

value. Besides, the fund takes overweight/underweight positions w.r.t its

benchmark which helps it to take advantage of the emerging opportunities in

the market. The fund is currently playing on financial and operational

leverage.

Our Recommendation

The fund follows a consistent investment philosophy and has a well defined

stock selection process. Moreover, the fund stays focused on potential risk

relative to return thereby enhancing investors' chances of long-term wealth

creation. The fact that it has been in existence for 9 years and has an

impressive performance track record provides that confidence to investors

required while making a long-term investment.



Invesco India Contra Fund



(%) (%) (%) (%) Deviation

52.89 32.27 14.84 100 12.13 1.15 19.03




Infosys Ltd 5.85

HDFC Bank Ltd 5.30

Gujarat State Petronet Ltd 4.51

Hindustan Petroleum Corp Ltd 4.28

Maruti Suzuki India Ltd 4.19

LIC Housing Finance Ltd 3.76

Axis Bank Ltd 3.74

Collateralized Borrowing & Lending Obligation 3.49

Hero MotoCorp Ltd 3.37

VIP Industries Ltd 3.05

Dish TV India Ltd 2.94

Shriram Transport Finance Co Ltd 2.88


Mahindra & Mahindra Ltd 2.33


Financial Technology Energy FMCG Services Auto- Chemical Construction Engineering Metalmobile

19.24 11.18 11.21 3.71 13.67 17.64 5.06 5.41 2.37 3.18



Invesco India Apr-07 13.76 3.74 15.93 32.08 15.76 15.28 - -Contra Fund


Returns (%)


Page No. 5 | August 2016


DISCLAIMER: All reasonable care has been taken to ensure that the information contained herein is neither misleading nor untrue at the time of publication, but we make no representation as to its accuracy or completeness. All information is provided without any liability whatsoever on the part of Wiseinvest Advisors Private Limited.

RISK FACTORS: Mutual funds, like securities investments, are subject to market and other risks and there can be no assurance that the scheme's objectives will be achieved. As with any investments in securities, the NAV of units can go up or down depending on the factors and forces affecting capital markets. Please read the offer document before investing.

Edited, Published and Printed by Mr. Hemant Rustagi, on behalf of Wiseinvest Advisors Pvt. Ltd. from 202, Shalimar Morya Park, New Link Road, Andheri West, Mumbai 400053 at AdvantEdge Offset Printers, K-7 Rizvi Park, S V Road , Santacruz (W), Mumbai 400 054. Design by Mosaic Design. Copyright reserved © 2007. All rights reserved in favour of Wiseinvest Advisors Pvt. Ltd.

• Corporate Office:

202, Shalimar Morya Park, New Link Road, Andheri West, Mumbai 400053. Tel : 26732676 / 77

Fax : 2673 2671. E-mail : [email protected]

• Branches:

Fort : 107, Vikas Building, Above Jimmy Boy Restaurant, 11, N.G.N. Vaidya Marg, Fort, Mumbai - 400 001. Tel: 6524 5333 / 34, 2263 2329

Fax: 2263 2330. E-mail : [email protected]

Thane : Aishwarya Laxmi, Shop No. 4, Opp. Namdeo Wadi Hall, Maharshi Karve Road, Thane (W) - 400 602. Tel : 6592 7051 / 52

Fax : 2539 1306. E-mail : [email protected]

www.wiseinvestadvisors.com

WISEINVEST ADVISORS PVT. LTD.

Date of Publication: 5th of every month.

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Registered - R.N.I. No.: MAHENG/2007/19802 • Postal Regd. No.: MCN/72/2016-2018 • Posted at Mumbai Patrika Channel Sorting Office, GPO, Mumbai on 9th & 10th of every month.

Financial planning is the process of making informed money management decisions to secure your future. Financial planning helps to achieve financial goals and meet personal priorities, taking into consideration available resources, responsibilities, risk appetite and lifestyle. A financial plan lays down the allocation of savings across various asset classes to achieve an appropriate risk-reward balance.

Do you need a financial plan?All individuals and families regardless of age or income need a financial plan so that they know that they are saving enough for retirement, education funds or a new home. A financial plan gives you the discipline necessary to save money. A qualified and experienced financial planner can help you plan your investments so that you get the best returns for your risk level by spreading your investments into the different asset classes as well as investment options.

Wiseinvest Advisors is a SEBI registered Investment Adviser (Registration No. INA000000664). To maintain an arm's length distance between our Advisory and Execution services, we have set up a separate department named Investment Adviser Department (IAD).

We can help you achieve your goals by providing comprehensive fee based financial planning and making recommendations of financial products that suit your requirements the most. Our mission is to help you overcome uncertainty and take control of your finances and move confidently towards achieving your goals. The basis of fee calculation is the complexity of the engagement.

Remember, financial planning doesn't have to be an intimidating process. We have qualified and experienced advisers who can make financial planning a simple and fruitful process for you.

Our process:

Step 1: The first meeting provides an opportunity for you and us to get to know each other. You also get an opportunity to decide whether we have the capability to fulfill all your requirements.

Step 2: Establish a clear understanding of your goals and objectives as well as analyze your current situation. We have a discussion to determine what you want to achieve with your wealth.

Step 3: Determine your risk profile through discussion and a psychometric test. This enable us to find out how much risk you would like to and need to take to achieve your goals.

Step 4: Develop your unique financial plan. This will also include the recommended asset allocation and various investment options that suit your needs. While doing this, we also analyze your current investments. We present a final version of your customized financial plan so that you're positioned to move forward.

Step 5: Implement the investment plan. There would be no obligation on you to choose Wiseinvest Advisors to implement the recommendations made in the financial plan.

Step 6: We'll meet regularly to proactively address changes in your circumstances, as well as those in the markets, economy and taxes.

If you are keen to start the process of financial planning, you can get in touch with Investment Advisers either at our Andheri or Fort office.

It's Time To Embrace Financial Planning

august, 2016 price volume 10, issue 8 a monthly

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