Miss Sinha's Journey to Financial Security
Helping a young professional balance market volatility and tax savings with low-risk financial products
Problem Statement
Miss Sinha, an IIT graduate, began her career with a prominent tech consulting firm. Influenced by her family and friends, she invested in a risky Small Cap Mutual Fund and Bitcoin. When her Bitcoin portfolio lost one-third of its value due to market volatility, she grew increasingly anxious. Being risk-averse, she was not comfortable with the daily fluctuations of 2-3% in her mutual fund portfolio. Miss Sinha sought a safer investment strategy that offered stable returns while preserving her capital.
Trust by more the 300 clients
- 360-degree approach
- Cost-effective and innovative solution
- 360-degree approach
- Cost-effective and innovative solution
Our Approach
We initiated our advisory process by conducting a detailed assessment of Miss Sinha’s risk tolerance, financial goals, and future plans. Given her conservative mindset, we recognized that volatile investment vehicles were not suited to her preferences. We focused on crafting a strategy that aligned with her desire for stable returns and capital preservation. Our approach included:
- Analyzing her existing portfolio for risk exposure.
- Understanding her tax-saving opportunities.
- Prioritizing safety over high returns in investment options.
Our Solution
To address Miss Sinha’s concerns and align with her risk-averse nature, we implemented the following solutions:
Insurance-Based Products
Recommended low-risk, guaranteed-return insurance products that ensure capital preservation while offering steady income.
Debt Mutual Funds
Introduced her to debt mutual funds, which offer more stability ensuring capital protection with long-term growth.
Hybrid Funds
Suggested balanced hybrid funds, which offer a mix of equity and debt for more predictable returns, suited for risk-averse investors
Other success cases
Miss Sinha's Journey to Financial Security
Miss Sinha, seeking safer investments, preferred stable returns over risky, volatile assets like Bitcoin and Small Cap Funds.
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Anirudh needed liquidity for his father’s treatment while balancing long-term goals like education, marriage, and buying a home.
