GOAL PLANNING

Achieve Every Financial Goal with a Personalised Investment Roadmap

Whether it is your child's education, a home purchase, retirement, or a world trip — goal-based planning identifies the exact investment needed today to reach each goal on time.

Free Planning

Session

Goal-Based

Investing

Expert

Guidance

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Goal Planning Example

GoalChild's Education

Timeline15 Years

Future Value NeededRs.50 Lakhs

Monthly SIP RequiredRs.8,500

Expected Return12% CAGR

KEY FEATURES

What Makes Goal-Based Planning Effective?

Clear Target for Each Goal

Every goal gets its own investment bucket with a defined corpus target, timeline, and product allocation. This prevents mixing short-term and long-term money.

Inflation-Adjusted Planning

We calculate your future goal corpus at today's inflation rates. A college education that costs Rs.15 lakhs today may cost Rs.40 lakhs in 15 years — we plan for that actual future cost.

Product Selection by Goal Horizon

Short-term goals (under 3 years) use debt funds and liquid instruments. Medium-term goals use balanced funds. Long-term goals (5+ years) use equity mutual funds for maximum growth.

Automation via SIP

Once your goal is defined, we set up automatic monthly SIPs so every goal is funded on autopilot. No remembering, no manual transfers.

Periodic Review and Rebalancing

We review your goal progress every 6 months. If a goal is behind schedule, we increase the SIP. If ahead, we may rebalance to protect gains.

Single Advisor for All Goals

One dedicated advisor manages your complete goal stack — education, home, retirement, emergency corpus. Holistic visibility prevents over- or under-investment.

ELIGIBILITY

Who Needs Goal-Based Planning?

Anyone with specific financial objectives and a desire to reach them methodically rather than investing randomly.

✓Salaried professionals with multiple competing financial priorities
✓Parents planning for children's education 5–20 years away
✓Individuals 5–25 years from retirement
✓Homebuyers accumulating a down payment
✓Those saving for business start-up capital
✓Young investors starting their first investment journey

Documents Required

✓PAN Card (for investment accounts)
✓Aadhaar Card (KYC)
✓Bank account details (for SIP auto-debit)
✓Existing investment statements (to assess current progress)
✓Latest salary slip or ITR (for income-based planning)
✓KYC completion with one AMFI-registered mutual fund platform

THE PROCESS

How It Works

Free Goal Planning Call

A 45-minute session with our AMFI-registered advisor. You share your goals, timelines, and current investments. We map the gap.

Personalised Investment Plan

Receive a written goal plan with: corpus targets per goal, monthly SIP amounts, recommended products, and expected timelines.

Set Up Investments

We help you start SIPs in the recommended funds with auto-debit from your bank account. Takes 30 minutes.

Review Every 6 Months

Bi-annual check-ins to assess progress against each goal. Adjust SIP amounts if needed. Rebalance as goals near completion.

Frequently Asked Questions

How many goals can I plan for simultaneously?

There is no limit. Most clients plan for 3–5 simultaneous goals: emergency corpus, home down payment, children's education, retirement, and discretionary goals like travel or a car. We create a separate investment bucket for each — usually SIPs into different mutual funds with distinct mandates.

What if I cannot afford the full SIP needed for all goals?

We prioritise based on goal urgency and flexibility. Retirement is almost always the first priority because it is non-negotiable and far away (giving more time to compound). We then allocate remaining savings to other goals in order of priority. As income grows, we scale up SIPs to close the gap.

How is goal-based planning different from just investing in SIPs?

Ad-hoc SIPs are invested without a clear purpose or timeline, making it hard to know if you are on track. Goal-based planning assigns each rupee a specific purpose and measures progress against a defined target. It also prevents withdrawing long-term money for short-term needs because each goal's money is ring-fenced.

What happens to my plan if markets fall significantly?

Market falls are expected in long-term investing. Our plan already accounts for volatility — the SIP amounts are set to reach the goal even through market cycles. We do not exit equity funds during corrections; in fact, SIPs buy more units when prices fall, which is beneficial for long-term goals.

Can I start goal planning with a very small amount?

Absolutely. We have clients who start with Rs.2,000 per month and grow from there. The most important thing is to start — even a small, consistent SIP makes a material difference over 10–15 years due to compounding. We design realistic plans that fit your current income, not an ideal budget.