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Goal based Plan, Term Insurance, Health Insurance, Mutual Funds & helping you prepare a simple Will.
We manage money for everyone.
Business owners, Salaried people, Retirees, NRIs.
We don’t discriminate based on the investment corpus they bring.
Our sweet spot is MNI – Middle Net-worth Individual as the legendary Parag Parikh once said, “We don’t chase HNI’s, we create them”.
We are not very comfortable with Ultra HNIs (people who bring more than Rs 10crs on Day 1) as mostly likely they are not going to follow our advice.
We have no minimum amount criteria, but we do have minimum philosophy requirement.
Our results will only start to show after 5 years.
Yes, We have clients all over the world. Thanks to Zoom we can have ane-meeting at mutual convenience.
However, if you happen to be in Mumbai or travelling to Mumbai, nothing like in-person meeting over a cup of amazing coffee.
Trust me, it is Magical.
Head Office: Churchgate, Mumbai
Branches: Bengaluru , New Delhi , Kolkata , Guwahati , Jorhat , Assam.
Sorry, we don’t do direct stocks. Our entire family corpus is in Mutual Funds and we are quite happy with 15-18% returns p.a over a very long period.
Sorry, we don’t do this unless you are our client. Moreover, this one-time activity won’t help you as well.
Goal-based Planning is a life-long process and not a one-off advice.
Well it depends on who you are.
Our advise to all our clients is pretty similar based on individual risk-return profile, however the end returns are completely different based on how they followed our recommendations.
Bill Boner once said, “People do not get what they want or what they expect from the markets; they get what they deserve”.
The long term returns over a 10 year period for most investors have been in the range of 12-15% pa.
However past performance is not a guarantee of future returns.
We have been in existence for the last 15 years.
Unfortunately many of our clients wanted to become One Idiot too inspired from the short movie and our personal journey but have not created immense wealth as they have not followed our holistic goal-based planning advice to the T.
Their investment portfolios with us have done reasonably well in most cases however many of them have still not understood the big picture of compounding and done large mistakes with their overall funds / assets (PPF, Direct Stocks, Gold, Property, FDs etc) by ignoring our advice.
We don’t hold your assets in our name. All the MFs you invest in goes in your name directly. We don’t collect any money. The money goes straight from your account to NSE / MFU account wherein it is routed automatically to your designated mutual fund schemes and vice-versa.
All the financial / non-financial transactions have to be approved by your over email / mobile.
We can only initiate the transactions. Final control lies with you.
Your money can go up or down based on the market movements however this will never become 0.
In the last 15 years, we have never seen a fraud happening with our investors. Thanks to SEBI / AMFI, your investments in Mutual Funds are completely safe.
You don’t need a demat a/c to invest in MFs.
It’s complete online process in 95% of the cases. The process takes 3-5 working days based on your KYC status.
Once the investment account is opened, we register a One time Bank Mandate for your bank a/c and then you are good to invest.
It is a very seamless and secure process.
Our persistency ratio is more than 98% and would love to guide you for the rest of your life but incase if you decide to move away, we will never stop you.
Since, we don’t hold your assets any way, you are free to move where you want to. You can also redeem it on your own and you don’t need our permission. We don’t invest in any lock-in funds.
Even if Etica Wealth shuts down tomorrow, your funds are absolutely safe and always remain in your control.
We have a wonderful team to assist you both in terms of guidance and service. You will have a dedicated Personal Finance Professional to help you with all your requirements.
In most cases the leadership team of the firm is also directly / indirectly involved with our investors.
We create a WhatsApp group with every investor so that you can have a seamless experience with Team Etica.
We are a boutique Personal Finance Firm and we have complete skin in the game. We don’t have any performance targets for our team members and we know that we are answerable to you even after 10 years.
Perceptive, nuanced, emphatetic guidance can only be provided by a personal finance professional who knows and genuinely cares about the family as people, not just as targets.
Either we swim together or sink together.
As my guru Nick Murray says,
We are here
If you are already happy with your Financial Advisor / Mutual Fund Distributor, pls do not come to us.
If you are unhappy then we would like to understand in detail why you are unhappy as we believe the reason for dis-satisfaction lies in difference between your expectations and the reality and we wouldn’t want you to experience this again.
There is no point working with multiple advisors / MFDs as too many cooks spoil the food. That’s one reason why we are not comfortable working with Ultra HNI clients.
We have always believed in understanding the big picture correctly.
Our research is more on understanding the right asset classes to invest at various points in time. Also our expertise lies more in Contra investing ideas, i.e, funds, themes, sectors and factors that has not performed well in the recent past.
We talk to various fund managers, colleagues in the industry, our team-members and also read a lot to understand and improve our investment thesis.
However we don’t get much into micro-research / day-to-day market movements as it is futile for long term wealth creation.
Long term Wealth Creation is not about the fund selection. It plays hardly 5% role in any portfolio construction.
It is more about the right Asset Allocation and rebalancing whenever required.
Finally the portfolio returns matter not the return from individual funds.
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