Valueraj Associates Private Limited

Financial Planning is all about meeting your financial goals in a disciplined and confident manner. But, what if you are already rich enough to meet all your goals comfortably? What if your assets become more than enough to meet all your goals? Any assets created above and beyond meeting your goals become a wealth. You have a lot of discretionary power on using and investing this wealth.

Wealth Management means different things to different people. But, we define it as simply sustaining and growing your wealth by investing it appropriately. You can invest in a portfolio including stocks, bonds, gold, real-estate etc. The sole measure for investment returns in this case is the net return, which is post-expenses, post-inflation, post-tax return to you from the total portfolio. If it is positive, your investments are growing your wealth; if it is zero, your investments are just sustaining your wealth; if it is negative, your investments are eroding your wealth.

For your wealth management, we recommend and invest only in Mutual Funds. Mutual Funds is an indirect way of investing in various asset classes. Stock Funds invest in stocks, Bond Funds invest in bonds, Gold Funds invest in gold and Real Estate Funds invest in REITs (Real Estate Investment Trusts). Based on your risk profile and our research, we create a portfolio of select mutual funds for your investments. Once invested, we review the portfolio regularly and restructure it as and when necessary so as to achieve positive net returns from the portfolio.

We are Certified Financial Planners by qualification and Mutual Fund Distributors by profession. We provide ‘Wealth Management’ service to individuals and families. However, we provide this service only as incidental to distribution of Mutual Funds.