An Advisory Service means working together to achieve the best outcome for your wealth. It is the quality of our advice that differentiates us from others.
Structure, Clarity and Consistency are important factors that ultimately help achieve your objectives. Defining your objectives and needs is the key to success when it comes to financial matters. The starting point is your current financial situation. This is why a personal consultation with your advisor is central to our advisory process.
We work with you through a structured advisory process to:
Get a complete understanding of your needs and goals
Develop a tailor-made strategy to help you achieve your objectives
It is a partnership built on active engagement and constant communication.
As a client-focused advisor, you need a full range of solutions that you can recommend to clients. We provide access to a wide range of financial products and services either from our proprietary product suite or through our partners to enable you to deliver customized solutions.
What Is Asset Allocation?
Asset allocation is essentially an investment strategy to stabilize risks and returns by choosing investment instruments according to your financial goals, risk tolerance and time horizon. Asset classes have different levels of risk and return variability. Each asset class may perform differently over time. Successful asset allocation requires finding the proper mix of assets to balance reward with an acceptable level of risk.
Why is Asset Allocation critical for various Life Stage Planning?
Asset allocation is critical for long-term investing and various life stage planning as it can help absorb the impact of market fluctuations and balance your tolerance for risk.
Absorb the impact of market fluctuations — Proper Asset Allocation can help ride out the ups and downs of long-term market performance. No single asset class will outperform another consistently and no single asset allocation strategy may be right for everyone. Some investments may be up while others may be down, helping to minimize the overall potential impact of market decline and enable you to reach your retirement goals smoothly.
Balance your risk tolerance — High yield assets typically experience high volatility. These assets must be balanced by investments with lower rates of return to protect against large scale decline in value.
How Do I Go About My Asset Allocation?
Kesari Financial Services can help you balance your appetite for risk with your timeframes and various life stage goals. This requires assessing, adjusting and tracking your investments regularly.
Assess your portfolio — Kesari Financial Services follows a scientific process which helps you toassess your portfolio allocation regularly, to make sure it matches your risk tolerance, time horizon and various life stage goals and needs.
Adjust your allocation — We review your overall portfolio regularly to adjust your asset allocation mix and re-align it to your various life stages goals based on your risk tolerance and investment horizon.
Track your investments — We help you to revisit your asset allocation regularly to make sure your investments are aligned with your various life stage goals, since your investment timeframes and risk tolerance may change over time.
How often do I need to check my Asset Allocation?
A 3-6 monthly financial check-up to make sure your investments are aligned with your risk tolerance and long-term life stages goals is usually recommended. However, you need to review your portfolio when you anticipate a major life-event. At the same time Kesari Financial Services shall be glad to review your portfolio and its performance on your request anytime.
Asset Allocation Model
Once the Investor Profiling is arrived at, the next step is to create broad-based investment strategies to suit the investor risk tolerance and his / her investment horizon. At Kesari Financial Services we have developed a comprehensive yet simple asset allocation model. The asset allocation model is based on risk tolerance levels and asset class level constraints recommended by us or nominated channel partner. The model combines the risk tolerance appetite of clients along with their investment horizon and also considers the impact of the investor’s economic environment on his investments.
Asset Allocation is done in two stages:
Strategic
Tactical
Strategic Asset Allocation
This is the base model for asset allocation and consists of five investment strategies that can help the client commence his wealth accumulation program. The five strategies are:
Conservative,
Moderate Conservative,
Moderate,
Moderate Aggressive and
Aggressive