Ankita Shivankar

MBA | On a mission to help investors achieve their goals in a systematic manner | Growth Catalyst @NandiNivesh

[Rohit J. Gyanchandani @RJGyanchandani]

We @NandiNivesh are looking to help 10 families streamline their financial goals & portfolio as follows:

We will review your existing portfolio & asset allocation in order to suggest improvements if any.

"No Cost No Obligation"

Who can apply:
A family of married couple (This is our area of specialization)

Apply here: https://t.co/HDCWzLiMgX

[Ankita Shivankar @Ankitashivankar]

𝐃𝐢𝐬𝐜𝐢𝐩𝐥𝐢𝐧𝐞 𝐢𝐧 𝐄𝐌𝐈𝐬 𝐛𝐮𝐢𝐥𝐝𝐬 𝐚𝐬𝐬𝐞𝐭𝐬, 𝐛𝐮𝐭 𝐝𝐢𝐬𝐜𝐢𝐩𝐥𝐢𝐧𝐞 𝐢𝐧 𝐒𝐈𝐏𝐬 𝐛𝐮𝐢𝐥𝐝𝐬 𝐰𝐞𝐚𝐥𝐭𝐡. 𝐒𝐭𝐚𝐲 𝐜𝐨𝐦𝐦𝐢𝐭𝐭𝐞𝐝!

[Rohit J. Gyanchandani @RJGyanchandani]

Everyone who borrows is committed to paying their EMIs on time.

If the same discipline is applied with their SIPs, the wealth creation becomes inevitable.

Property price: Rs. 1,00,00,000
Loan: Rs. 75,00,000
Duration: 20 years
EMI: Rs. 65,000/month
Total outflow: Rs. 1,80,00,000

Monthly SIP: Rs. 65,000
Duration: 20 years
Returns: 12% p.a.
Total corpus: Rs. 5,98,00,000

Only problem with SIP is that nobody continues it for 20 years.

It's all about discipline.

[Rohit J. Gyanchandani @RJGyanchandani]

Everyone who borrows is committed to paying their EMIs on time.

If the same discipline is applied with their SIPs, the wealth creation becomes inevitable.

Property price: Rs. 1,00,00,000
Loan: Rs. 75,00,000
Duration: 20 years
EMI: Rs. 65,000/month
Total outflow: Rs. 1,80,00,000

Monthly SIP: Rs. 65,000
Duration: 20 years
Returns: 12% p.a.
Total corpus: Rs. 5,98,00,000

Only problem with SIP is that nobody continues it for 20 years.

It's all about discipline.

[Rohit J. Gyanchandani @RJGyanchandani]

We helped a 27 years old IT professional build a portfolio of Rs. 25,00,000 in 3 years with consistency.

Next target: Rs. 1,00,00,000 in 3-5 years.

A short case study on how the portfolio was built over last 3 years & the way forward.

[Rohit J. Gyanchandani @RJGyanchandani]

We worked out a systematic withdrawal plan (SWP) for a retired government employee.

The client gets Rs. 45,000/month as pension & needed an additional cash flow of Rs. 25,000/month to sustain her lifestyle in Mumbai.

She had following investments:

Rs. 30,00,000 in Fixed deposits (7.25% p.a.)
Rs. 42,00,000 in Savings account (2.70% p.a.)

She had one condition:

Principal amount should stay intact after 10 years (she was okay with the short term volatility)

Our solution:

- We kept aside Rs. 5,00,000 in the savings account for absolute emergency purposes. Since FD is with multiple banks & client doesn't want net banking access, it will be difficult to realize these in case of extreme emergency.

- Parked Rs. 6,00,000 in Arbitrage Funds to cover the SWP for next 2 years (Arbitrage is not linked to Markets)

- Invested Rs. 15,00,000 in Multi Asset Funds (Blend of Equity, Debt & Commodities) (Expected IRR: 9%)

- Invested Rs. 16,00,000 in Flexi Cap Funds (Predominantly large cap oriented) (Expected IRR: 12%)

- At the end of 10 years, Portfolio is estimated to be worth around Rs. 40,00,000

- Total Withdrawals during the period: Rs. 30,00,000

- Client will keep on receiving interest on FD on annual basis to be retained with her to manage any cost inflation.

The plan has been executed & we added one more happy client @NandiNivesh

[Ankita Shivankar @Ankitashivankar]

Plan your goals conservatively.

Anything above 12% per annum should be considered as bonus.

[Rohit J. Gyanchandani @RJGyanchandani]

Was discussing financial goals with a new prospect & told him that we need to plan our goals with 12% p.a. returns in longterm for equity portfolio.

He said: All equity schemes are giving 25% returns, why are you planning with 12%??

Is 25% the new normal now?

[Ankita Shivankar @Ankitashivankar]

@RJGyanchandani 25% p.a. 😳😳😳

[Rohit J. Gyanchandani @RJGyanchandani]

Empower Your Financial Dreams

We would like to invite you to our exclusive webinar on "Goal Planning"

Date: February 11, 2024 (Sunday) 📅

Time: 11:00 AM - 12:00 PM 🕛

WhatsApp us on: https://t.co/ynaUuXUb67 for registration.

[Ankita Shivankar @Ankitashivankar]

"Small steps lead to big achievements! 📈 🌟

Break down your financial goals into manageable tasks. 📝💼

Celebrate each milestone on your way to success. 🎉💰

#SmartPlanning #MoneyGoals

[Ankita Shivankar @Ankitashivankar]

Imagine your money journey as a road trip. 🚘

✅ Decide where you want to go by setting clear money goals.

✅ Your goals should match your dreams and what you want to achieve.

It's like creating a roadmap for a successful financial advennture! 🛣

[Rohit J. Gyanchandani @RJGyanchandani]

🚨Newsletter Alert 🚨

Issue No. 13

Investing near All Time High💹

Reading time: 2 minutes

[Ankita Shivankar @Ankitashivankar]

Do join us on this coming Saturday ✌🏻