ashoonya

So that you maintain a healthy balance between what you spend today & what you save for tomorrow. Savings are the first step to investing. Savings when put to productive use turn into investments.

If you select the Basic service your money is invested only in Mutual Funds. Read more about mutual funds here : https://www.mutualfundssahihai.com If you select the Premium service we invest your money in multiple avenues like mutual funds, bonds, debt & money market investments, AIFs, international investments, pension funds, ETFs, P2P investments etc. The list is pretty extensive.

Returns on investments is a myopic way of looking at investments. Wealth can be built even with half-decent returns if investments are made ritually over the long-term. Having said that, mutual funds* have historically clocked average annual returns of around 17% over the last 20 years. * Equity mutual funds

Starting now for the rest of your life. Really. Investments should be second nature for all of us. As far as mutual funds* are concerned, the longer we invest (or hold our investments) the more time we give compounding to work its magic. To read more about compounding subscribe to our blog. *Equity mutual funds

Your investments will be managed by our team of Financial Advisors led by Rahul Kalra. Rahul has 19 years of investing experience. He is a CFA, a Financial Planner & a certified Investment & Insurance Advisor & has been involved with wealth management, investment advice & financial planning since 2006. Click here to read more about him & the rest of our team : www.ashoonya.in/about us

Yes. 24/7 access. On the web as well as on a mobile app.

No. While we will have access to your OIA (Online Investment Account), as your Financial Advisors, so as to be able to manage your investments, ONLY YOU will have 24/7 access to your money through your bank account connected to the OIA. We will not have access to your money at any point in time.

Investing Principle #2 : Invest atleast 30% of your income. If you start smaller, work your way up to that level. If you can, invest more than that by all means.

The word 'Investing' means to infuse or endow something by committing time, effort or money. How can investing then, not be for everyone. Financially speaking, if you earn or can save money, then investing is for you.

From experience we've learnt two things about risk : - Risk comes from fear & fear stems from uncertainty or lack of knowledge. Anything new or unknown we fear & feel is risky. - Investments are not risky. People are. Hence, higher our Financial Quotient (FQ), lower will be the risk in an investment. FQ = IQ + EQ To sum up, one way to manage risk in an investment is to educate ourselves about the investment (or work with someone who is educated about it) & build our EQ as investors.

We've observed from experience that most of us have multiple (rubbish) insurance policies we've accumulated over a period of time for various reasons ranging from investing for children, money-back on maturity, tax-saving, obligated to some family member/friend working as an insurance agent etc. Its time we understood what insurance really is, how it works, what our requirements of insurance are & get unbiased insurance advice & planning from a Financial Advisor. These are some of the reasons you would opt for the Insurance planning.

Comprehensive Financial Planning covers analysis, planning & management of all aspects of your personal finances for your entire family. This includes 14 components : 1. Income Analysis 2. Expense Management 3. Surplus & Cashflow Analysis 4. Liquidity & Banking Analysis 5. Investment Planning & Management 6. Insurance Planning & Management 7. Tax Planning & Filing 8. Debt Analysis 9. Asset-Liability Study 10. Goal-Planning 11. Succession-Planning 12. Wealth Management 13. Personal Financial Statements including reports & documentation 14. A detailed Financial Plan

Yes. We'll update emails of clients soon so they can be contacted for feedback.

1. Pay fee online. 2. Submit details online. 3. Consult our Financial Advisor. 4. Start investing in 48 hours.

Click here : www.ashoonya.in/services

Consult Fee : INR 1000/- for a 30 minute consult Basic service : INR 208/- per month. (Billed annually) Standard service : INR 500/- per month. (Billed one-time) Premium service : INR 1667/- per month. (Billed annually)

Basic service : No. Standard Service : Yes. Premium service : Yes.

Yes, INR 1000/- for a 30 minute consult If you choose to take up a service with us, we adjust the consult fee in the service fee.

Yes.

You can set up a one-off in-person or video 30 minute consult with our Financial Advisor for a fee of INR 1000/- . If you wish to have a Financial Advisor available year-round for advice on all financial matters, the retainer fee for that is INR 2000/- per month for unlimited pre-scheduled consults.

Yes. Basic service fee will be adjusted therein.

We offer free consults worth INR 5000/- on the basic service. All queries through the year will be entertained on e-mail, the response time for which will be a minimum of 3-4 working days or on a designated whatsapp group subject to guidelines.

Yes. As a hybrid financial planning advisory, we combine a tech + human approach to our work. By leveraging technology we are able to work with clients anywhere in India or the world.

You can set up a one-off in-person or video 30 minute consult with our Financial Advisor for a fee of INR 1000/- per consult. If you wish to have a Financial Advisor available year-round for advice on all financial matters, the retainer fee for that is INR 1000/- per month.

If you have any more questions, mail us on financialwellbeing@ashoonya.in, whatsapp us on 7770 059 059 or schedule a consult with us & we'll be happy to answer them.