Earning wealth is indeed a difficult task, but preserving and growing that wealth could be even tougher, if not guided well.
Whether a salaried person or a business tycoon, there are three phases in every person’s financial life. They are:
At Emkay, we create customised wealth management solutions based on your wealth management stage and goal.
In fact, the best practices we adopt to provide you with solutions too change accordingly.
Your wealth goals fall under this stage if you are looking at strategic opportunities to invest and grow your wealth at a significant pace accross asset classes. Most wealth creators are in this stage during their peak career years – 25 to 55 years of age. However, this doesn’t hold true for all individuals. This is also the stage when you are typically open to medium to high-risk investment avenues. To help you accumulate wealth based on your goals, this is the 4-step process we follow:
Risk Analysis
Depending on your income flow, existing assets, and overoll wealth goals, you will fall under high-risk, medium-risk, or low-risk taker category. Before we can plan your investments across different assets, our experts conduct a risk analysis of your profile to ensure your risk exposure matches your profile requirement.
Asset Allocation
Once our team has spent time conducting risk analysis, the next step is to consider different asset types for investment and growth based on your individual wealth goals. For instance, if your goals include preference for a certain asset type or another, our team will ensure higger allocation directly in that asset type, or another high potential asset type to attain this goal in a timely manner.
Investment Solutions
Once your asset allocation is planned, only then will we recommene investment solutions under each of the asset categories. This ensures that each of the solutions are tailored to meet your goals rather an all-solution-fit-everyone approach.
Asset Management
As experts who are backed by continous research, we understand that market volatility is a constant. Therefore we regularly track both, the market and your portfolio performance. This continous, judicious asset management approach ensures we deliver well on our clients trust and goals.
The second stage in your wealth management journey is the preservation stage. On a average, wealth creators reach this stage post. The wealth gains that you’ve made in the accumulation stage are well-worth preserving. As you get closer to your long-term goals, your wealth management strategy mush evolve too. The strategy must offer higher stability and predictability, ensuring protection against inflation and market volatility, along with tax benefits.
At Emkay, we create wealth management strategies that involve lower risks and offer calculated retures on investments by following this rigorous two-step process:
Research & Execution
At Emkay, we pay great emphasis on research. In fact, our research team has been won several awards owing to its meticulous approach. We believe research becomes even more crucial at the preservation stage since risk appetite comes down significantly as compared to the accumulation stage.
Regular execution and overseeing along with continous research ensure your portfolio is well-protected and risk mitigation is at its peak, Further, technology-based monitoring adds to our team’s execution prowess, serving as an additional tool for market environment updates and swift risk mitigation.
Investment Process
The asset investment and reallocation process we follow during the preservation stage takes into consideration your wealth goals as well as the best practices for this stage. This ensures your wealth preservation isn’t about meeting average returns but is in cloase alignment with your risk appetite and goals.
The third stage in your wealth management journey is the transmission stage. You are most likely retired at this stage or past an active career. It is when you are looking to do estate and succession planning while ensuring your wealth continous to serve you well in post-retirement years. Here’s how we help you with at this wealth management stage.
Estate And Succession Planning
Our approach of creating solutions that best match your unique goals extends to this wealth management stage. We help you device a strategy that ensures your wealth is transferred to stakeholders of your choice at an opportune time. This isn’t limited to will creation but also advisory related to setting up trusts, reorganising business interests, taxation, superannuation, and gifting.
This is an equally important stage as the previous two stages in your wealth management journey since it consolidates information and knowledge for your heirs, avoids inheritance disputes in the family, and ensures your wealth grows with the right stakeholders for years to come.
Our expertise in this sector includes:
Drafting of Wills
Creaton of Private Family Trusts
Succession planning for family-owned businesses
Succession planning for NRI family members
Your wealth goals fall under this stage if you are looking at strategic opportunities to invest and grow your wealth at a significant pace accross asset classes. Most wealth creators are in this stage during their peak career years – 25 to 55 years of age. However, this doesn’t hold true for all individuals. This is also the stage when you are typically open to medium to high-risk investment avenues. To help you accumulate wealth based on your goals, this is the 4-step process we follow:
RISK ANALYSIS
Depending on your income flow, existing assets, and overall wealth goals, you will fall under high-risk, medium-risk, or low-risk taker category. Before we can plan your investments across different assets, our experts conduct a risk analysis of your profile to ensure your risk exposure matches your profile requirement.
ASSET ALLOCATION
Once our team has spent time conducting risk analysis, the next step is to consider different asset types for investment and growth based on your individual wealth goals. For instance, if your goals include preference for a certain asset type or another, our team will ensure higher allocation directly in that asset type, or another high potential asset type to attain this goal in a timely manner.
INVESTMENT SOLUTIONS
Once your asset allocation is planned, only then will we recommend investment solutions under each of the asset categories. This ensures that each of the solutions are tailored to meet your goals rather an all-solution-fit-everyone approach.
ASSET MANAGEMENT
As experts who are backed by continuous research, we understand that market volatility is a constant. Therefore we regularly track both, the market and your portfolio performance. This continuous, judicious asset management approach ensures we deliver well on our clients trust and goals.
