Investment Planning and Management

Sarvottam Wealthnetwork Private Limited

Dahyabhai Patel, Director
M.Sc., C.I.A., Certified Financial Planner

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Aspirations

Goal-based wealth management focuses on defining specific life objectives and systematically working towards them, ensuring that every step taken aligns with long-term aspirations.

Factors such as inflation, shifting market dynamics, and evolving economic trends make it essential to adopt a well-structured wealth-building strategy. Traditional saving habits alone may not be sufficient to meet future requirements, making it important to explore diverse avenues that offer sustainable growth. Whether it's planning for major life events, securing long-term financial stability, or building a legacy for future generations, a comprehensive strategy can help individuals make informed decisions and achieve their aspirations with confidence.

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Asset Allocation: With a wide range of options available, such as market-linked instruments, fixed-income avenues, and asset-backed strategies, individuals can create a balanced portfolio suited to their specific needs. Diversification plays a crucial role in minimizing risks while optimizing returns, ensuring that wealth creation remains steady even during market fluctuations. By aligning assets with long-term objectives, individuals can work towards building a sustainable financial future.

Survey: A 2024 Revolut survey of nearly 20,000 Australian investors showed women achieved 1.7% higher average returns than men overall, and up to 7.99% more in the 45–54 age group. A structured and disciplined approach is a key to achieving life’s financial milestones.

Discipline: Achieving life’s financial milestones requires a structured and disciplined approach.

Diversification: Diversification plays a crucial role in spreading risks and optimizing returns, helping individuals stay focused on their objectives.

Goals: Categorizing objectives into short-term, medium-term, and long-term goals, allowing individuals to allocate resources efficiently.

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Rising costs of education, healthcare, and real estate make structured wealth-building even more essential. Traditional savings methods may not always keep pace with inflation, making it crucial to explore options that offer sustainable growth. Whether it’s planning for an international degree, securing a comfortable post-retirement lifestyle, or fulfilling personal aspirations, a well-defined approach provides clarity and confidence. By aligning resources with life goals, individuals can work towards a financially independent future, free from uncertainties and last-minute compromises.

Short-term needs, such as travel or gadget purchases after 1 year, medium-term aspirations, such as replacing car after 4 years, require different strategies compared to long-term goals like retirement security after 20 years or a child’s higher education after 10 years.

Lifestyle: By assigning a structured approach to savings and asset-building, individuals can work towards these milestones without compromising their current lifestyle.

Product Suitability: Having a clear target helps in selecting suitable avenues that match one’s risk tolerance and time horizon, ensuring consistent progress toward achieving aspirations.

Resource Allocation: Whether it’s buying a home, funding a child’s education, planning for a wedding, or ensuring a secure future, each goal requires careful resource allocation.

Planning: One of the key advantages of goal-based wealth management is its ability to shield individuals from emotional decision-making driven by market volatility. Often, people tend to make impulsive choices based on short-term fluctuations, which can derail long-term objectives. A structured approach ensures that wealth-building strategies remain on track, irrespective of temporary market movements.

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Road-map: Without a clear roadmap, it’s easy to get sidetracked by unplanned expenses, market fluctuations, or economic uncertainties.

Strategy

Building and managing wealth effectively requires a well-thought-out approach that aligns with personal aspirations and financial goals. Whether it's securing a comfortable future, creating assets, or ensuring financial independence, a structured strategy can help individuals navigate various economic scenarios with confidence. A well-defined approach ensures that resources are allocated wisely, 

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taking into account factors such as risk tolerance, time horizon, and long-term commitments. One of the key aspects of wealth growth is selecting the right mix of avenues that offer both stability and growth potential.

Review: Proper management of resources is equally important to ensure steady progress toward financial goals. Regular monitoring and adjustments help in staying on track and adapting to changing economic conditions. Whether it’s rebalancing asset allocation, taking advantage of emerging opportunities, or mitigating potential risks, a structured approach ensures that wealth accumulation stays aligned with evolving needs. Additionally, tax efficiency and liquidity management are integral aspects of ensuring that resources are optimized for maximum benefits.