Financial Health Check

This is a counseling session usually spanning 30-45 mins with a SEBI Registered Investment Advisor and would include

  • Analysis of Financial Ratios
  • Qualitative Analysis of your current investment portfolio
  • Personalised Household Inflation
  • Debt Repayment Insights
  • Net worth Statement & Cash flow distribution
  • Insurance Requirements based on Human Life Value
  • A 4 page report with suggestions for Urgent Corrective Action

Consulting Fees: 500/-

Personal Financial Planning

Our recommended process of Financial Planning includes

  • Identifying your needs and aspirations
  • Converting them into quantifiable values considering inflation
  • Analyze your cash flows to derive your risk and return parameters

...and thereby helping you to invest your money in such a way as to take you as close as possible towards achieving your dreams by making suitable periodic course corrections.


Our Perspective of Risk and Return

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The general perspective is that the returns are proportional to the risk undertaken. As the popular saying goes, "No risk, No gain" or "Higher the risk higher the possibility of returns. Though this appears to be correct, it is incomplete. The question is, where do i cap my expectation of returns?


Most people do not have an answer to this. In Horus we anchor the expectation around 4 parameters:


  • The size of the financial objectives
  • The time availability for each of the goals
  • The affordability in terms of the net surplus generated each year
  • The life stage of the individual

Based on these parameters, we first derive the returns that should be generated through investments and in turn create the investment portfolio with appropriate asset allocation. This approach gives us a more practical methodology to decide on what risk profile a person SHOULD have rather than what risk profile he WANTS to have.

Seminars Programs

Do you have an Eye on your Wallet?

  • How to spend – Concept of Buyer’s utility windows which helps takes decisions based on any product or service's Cost Vs Value
  • How to budget – “Concept of pay yourself first”, and how having a budget can help you save upto 20% extra, thereby giving instant Returns to that extent.
  • How to set goals – Undertaking a feasibility study of your goals to properly estimate and plan for your financial future.
  • How to Invest – Introduction to “Open Portfolio Approach” to investment, and how this approach can take care of the limitations of a “goal based investment tagging” approach.
  • Relationship between Risk and Return – High Risk High return? Or is there something more to it?
  • How to handle a financial loss- a pre requisite before taking the plunge into Equity investing!
  • Real Facts about Real Estate – its limitations far outweigh its benefits!
  • How to manage debt – prepay or save?
  • How to buy insurance – protection or investment?
  • How to Save taxes – a blind pursuit, or a by product?

MICP (Money is child's play)

This program is an exotic trip into the world of finance for kids of age group 7 to 14 years, this workshop consists of 8 sessions of 2 hrs each. The sessions would be filled with stories, videos, role plays and activities enabling the children to understand these concepts in a very simple and entertaining manner. This program teaches the kids the basics of money right from its origin to the technology used today for it.

Behavioral Finance

This is an educative and interactive session with complete focus on understanding the behavioral patterns of people when it comes to their decisions with money. The session would deal with in detail the following points:


  • Traditional finance Vs Behavioral Finance
  • Various theories on Behavioral Finance
  • Understanding the theories using hypothetical situations

This service would be absolutely free of cost and is purely with an intention of creating awareness about the need for professional financial planning across all levels of employees.


Financial Health Clinic

This is a one on one counseling session usually spanning 45mins to 1hr and gives a quick analysis of one's current financial health and suggestions on immediate remedies. This is done mainly in large organizations enabling us to reach out to maximum people from various strata of society with high efficiency and is concurrent with our mission statement.


Corporate educational intervention : FiNavigator

This educational capsule equips the participant with a "Do It Yourself" tool kit to help him get started with his own financial planning.

Buyer Beware

This is an awareness seminar on the various pit falls that an investor faces in the mostly jargonistic financial jungle. This gives the investor the right perspective of various financial tools available in the market. The main contents of this session would be as follows:


  • Understanding the various investment options in the correct way.
  • Dos and Don'ts in particular investment.
  • Philosophy and purpose of individual investment instruments.
  • Behavioral errors committed by investors.
  • Precautions to be taken on the road to financial freedom.

DHAM (Developing A Healthy Attitude Towards Money)

15

company

50000

employees

100

sessions

Financial Planning Consultant Training

This program would offer

  • Advanced Conceptual Training
  • Practical Orientation
  • Soft Skills Refinement
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