AUM Financial Advisors is a Wealth Management & Financial Planning initiative promoted by Mr. Nirav Panchmatia
in 2008 to cater to Individual Clients who are looking for personalized Financial Planning and Investment Planning advice that is unbiased, sound and that comes at a reasonable price. Unfortunately, in this profession, there is dearth of unbiased ethical advice.
AUM Financial Advisors caters to Indians (Resident as well as NRIs) situated anywhere in the world who would like to Invest in India after taking expert professional advice. Our forte is our expertise in Mutual Funds. AUM Financial Advisors has pioneered the concept of Wealth Management via Mutual Funds in India
Mr. Nirav Panchmatia
(http://in.linkedin.com/in/niravpanchmatia) is a Chartered Accountant (CA) and MBA (Finance) from Narsee Monjee Institute of Management Studies (NMIMS), Mumbai.
He is a well known Mutual Fund expert and is regular on leading business channels like CNBC Awaaz where he appears as a Mutual Fund Expert on its show YOUR MONEY. Mr. Nirav Panchmatia has spent the last decade in Mumbai working in leading financial institutions like Citigroup (Investment Banking Analyst), ICICI Bank (Sr. Manager Proprietary Investments & Subsidiary businesses), Myiris.com (Financial Analyst) & Quantum Group (Financial Planner). He is also a financial trainer.
Over the past decade he had the opportunity to work in almost all areas of the Financial Services Sector in India starting with Financial Research, Investment Banking, Strategic M&As & Research & ending with Wealth Management, PMS & Financial Planning for both retail clients as well as HNIs in India.
Finally the ENTREPRENEURSHIP bug stuck him & hence he launched AUM Financial Advisors, a Wealth Management & Financial Planning initiative that boasts of clientele all over India & caters to Indians situated across the globe.
He also regularly writes his own BLOG
(http://niravpanchmatia.blogspot.com/) on MUTUAL FUNDS & other matters of Personal Finance meant for the Indian Investor.
Our motto says it all; We provide
"Personalised FINANCIAL PLANNING to ensure Security for Life for you & your family"
I. We lay great emphasis on CAPITAL PROTECTION
Our investment philosophy revolves around two key aspects:
1. Preservation of capital
2. Generating absolute Inflation beating returns.
We are more interested in protecting your downside in a falling market as we believe that the upside takes care of itself when the tide turns for good. Our endeavor at all times is therefore to first help preserve your capital and, then, to help grow it.
II. Thorough in-depth RESEARCH
We take great pains to keep ourselves updated on the latest developments in the Investment world and its consequent impact on YOUR investment Portfolio.
We seek to help you achieve your financial goals by constructing for you a well-defined, dedicated portfolio of mutual funds & other related instruments that is well diversified across AMCs, sectors as well as companies. Each mutual fund scheme that we shall select for your portfolio meets certain basic minimum criteria viz; a track record of atleast 3 to 5 years; an outperformer across various ups & downs in the stock market; a reputed & process driven fund house & exceptional fund manager. We are well equipped in choosing the right MF scheme for you as we follow a detailed research driven process for shortlisting those schemes.
III. CUSTOMISED Portfolio
We do not believe in providing a standard, one-size-fits- all portfolio common to all. We firmly believe that every individual has his or her unique set of financial goals and calls for a specific financial planning process. Hence CUSTOMISATION is the key here. We take great pains to study your financial requirements and create a dedicated portfolio meant for achieving your financial goals.
IV. Disciplined & long term approach
We firmly believe that WEALTH creation is possible with a combination of right advice, disciplined approach to investing & a long term horizon. We are not in the business of offering quick magical profits and in the process risking your capital.
V. Putting YOU first
Our CLIENTS come first and then everything else. For very unfortunate reasons, the Indian financial services industry is suffering from gross mis-selling due to target based & commission driven approach of certain agencies. This is one practice that does not gel well with our philosophy of putting clients interest before our own. We believe in recommending only those schemes that a client needs and not what we want to sell.
VI. Educating the client
We pride ourselves for the fact that we take great pains to ensure that you have understood every aspect of the Financial Plan that we might have drawn for you. We undertake the task of spreading financial literacy and ensure that, you clearly understand the risk and rewards aspect of what you are getting into even before you make your first investment.
VII. Our Unique service offering
We have pioneered the concept of Online Financial Planning. In this, we have attempted to create a web-based model where-in we offer you our esteemed financial planning services right on your Desktop.
WHAT WE ARE NOT?
We are NOT in the business of Project Financing. We do not provide loans although we can definitely give advice on how to manage loans or how to come out of a debt trap and which loans are necessary and which ones are not. We are NOT a share broking firm; we cannot buy or sell shares for you though we can definitely guide you on your equity portfolio.
OUR CHARGES
Our charges are based on the level of financial planning and investment advice that you seek. It is also a function of the amount of time that we need to devote. We shall help you understand these charges when we meet you initially and understand your needs.
The initial appointment, it goes without saying, is off course free of any charges.
