Investment Planning

Investment planning can be done for anything you want or need it. Investment management is probably the most complicated area of financial planning and is therefore where many of us procrastinate. But it doesn’t need to be so difficult: incorporate simple money truths into your financial strategies so you can make decisions with confidence and understand the potential risks and benefits of investing by Investment planning

We all have different goals – buying a house, giving the best education to the kids, see them building family, retirement and a lot more. Many of us also hope to achieve a level of wealth while providing for other goals. But the ultimate goal for anyone would be achieve the freedom from financial worries. This freedom is possible with smart goal-based investments.
Just as people have different goals, there are investments to help achieve these objectives. Smartly investing your hard-earned money ensures that the right amount of funds are available in the right time.

Investment planning is the process of matching your financial goals and objectives with your financial resources. Investment planning is a core component of financial planning. It is impossible to have one without the other.

Investment Philosophy
Our objective is to invest your portfolio so that it will yield the return you seek with the lowest possible risk. The best way to achieve this is through diversification, in other words, the allocation of your portfolio among different asset classes. Simply stated, depending on your situation, your money is invested in a variety of stocks, bonds, commodities, natural resources, precious metals, and cash, and then rebalanced periodically.

Investment Decision-Making
Being diversified among asset classes does not mean living with low returns; rather, it delivers better volatility-adjusted returns. In addition, we believe: that portfolios should be rebalanced periodically in order to maintain a long-term chosen asset allocation (that can change when financial objectives change over time); that over the long-term common stocks outpace income investments (their higher expected returns are coupled with compounding interest); and that reasonable expenses and tax efficiency are important to total return.

Types of Investments

• Stocks. A stock is an investment in a specific company. …
• Bonds. A bond is a loan you make to a company or government. …
• Mutual funds. If the idea of picking and choosing individual bonds and stocks isn’t your bag, you’re not alone. …
• Index funds. …
• Exchange-traded funds. …
• Options.

Define Your Goals
Investing begins with the determination of your ultimate goals. Knowing the results you want will help you more easily choose the right avenues and strategies to reach them.

Defining your goals, such as earning money for a big purchase or growing your retirement fund, is an important part of investment planning that allows you to look at the big picture when creating  your investment plan