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Goal mapping is a powerful tool for anyone looking to achieve their long-term investment objectives. Following a clear set of goals and rules, investors can stay disciplined and focused on the end result, avoiding any premature mistakes.
Compounding is a fundamental principle of finance that has been recognized throughout history. Albert Einstein famously stated, compounding is the "eighth wonder of the world," and those who understand it can use it to their advantage in building long-term wealth.
By diversifying your portfolio across different asset classes, you can reduce the overall risk of your investments and ensure that any volatility in the markets does not derail your long-term financial goals.
Financial freedom is having enough income to cover your living expenses so that you spend your time doing things that you like rather than doing things just to earn money. This is possible when you have a source of passive income.
One stop solutions for all your financial needs.
Pressing need for insurance for you and your family.
A solid plan makes life easier for the people you care most.
Legitimate way of reducing your tax liabilities in any given financial year.
Retirement planning is a top priority for many savers. It helps you to save money when you completely stop working or reduce your working hours. Planning for retirement ensures a source of income and benefits in dealing with medical emergencies, fulfilling life aspirations and being financially independent.
In simple terms, it means preparing today for your future needs. Make hay while the sun shines.
View calculator →Education is the most critical priority for parents. The rising costs of education are a significant concern. They shell out a large portion of their savings to provide the best education.
Hence, a financial plan to achieve this goal is crucial. If you already have children, the earlier you start planning, the better. Especially if you want your child to attend good institutions in India and abroad, you must begin planning soon as the education costs are only rising.
View calculator →Buying a home and a home loan without a financial plan is like shooting in the dark. You would feel overwhelmed with all the expenses you didn’t consider, along with home loan EMIs payments.
View calculator →You will have greater peace of mind if you know that you and your loved ones are financially secure from various unforeseen situations. Uncertainties in life could crop up at any moment, such as an unfortunate death, medical emergency, accident or damage to your vehicle, property, etc.
Bearing the financial impact of these situations can burn a hole in your pocket. You may need to dip into your savings or your family’s hard-earned money. Thus, there is a pressing need for insurance for you and your family for proper coverage and financial support against all risks linked to your life, health and property.
Life Insurance
General Insurance
Estate planning ensures that all your physical, financial and online assets are inherited by the people you want them to be transferred to after your demise. The law might not consider your relationships or preferences while distributing your assets if you die without a Will.
No matter your current financial situation, using proper estate planning tools makes a considerable difference in ensuring your final wishes are met. A solid plan can also make life much easier for the people you care about most.
Preservation of capital and income is as important as earning good returns. Fixed Income is a critical tool for proper asset allocation for a balanced portfolio. It includes investments like government and corporate bonds and money market mutual funds.
Fixed Income Products
If investments and expenses are unplanned, taxes can consume a substantial portion of your income. Tax planning is a legitimate way of reducing your tax liabilities in any given financial year. It helps you utilise the tax exemptions, deductions, and benefits offered by our government in the best possible way to minimise liability.
Mutual funds are a great investment tool with advantages such as professional management, portfolio diversification, transparency, flexibility, well-regulated, low cost, liquidity and various schemes for optimum asset allocation.
Strategies in Mutual Funds
Types of Mutual Funds
The first step in any financial planning process is to assess the current financial situation and goals of the individual. This involves gathering and analyzing information about the individual's income, expenses, assets, liabilities, and financial objectives. The purpose of this step is to gain a clear understanding of the individual's financial standing and the specific financial goals they want to achieve. This assessment is crucial as it sets the foundation for creating a customized financial plan that meets the individual's unique needs.
“Kalyani's vast experience and knowledge of the mutual fund markets saved me time and money in execution and research. The efforts put into the relationship and managing the portfolio are truly appreciated.”
Neeraj Mishra
Business Development Manager, Thane
“Earlier this year, I trusted Kalyani as my wealth adviser, which was a wise decision. Her recommendations are working great. Her understanding of investment products is excellent.”
Suyog Sarda
IT Professional, Panvel
I've known Kalyani for almost 10-12 years !! She's been efficient and knowledgeable in handling all our investments, giving good returns. It's unbelievable that we haven't met in all these years, but I trust her with my money.
Mrs. Priya Rahul Vaidya
Lecturer, Pune
“Kalyani's vast experience and knowledge of the mutual fund markets saved me time and money in execution and research. The efforts put into the relationship and managing the portfolio are truly appreciated.”
Neeraj Mishra
Business Development Manager, Thane
“I have known Kalyani for over ten years, and thanks to her, I have started taking a keen interest in my investments. Until I met her, I entirely depended on my dad for investment advice. Kalyani's advice has always been non-biased, and she responds promptly. We are extremely happy with her suggestions. I have seen good growth in my investments over the years.”
Ms. Bindi Mahesh
Singer-Composer, Mumbai
Until I met Kalyani, I thought I understood my financial needs as a retiree. But wealth management is far more complex than ensuring fixed periodic returns on. Ever since holding her hand, she does all the juggling in the marketplace as we lead a worry-free life.
Mr. Arun Sud
Development Professional, Himachal
“We have been investing with Kalyani for nearly 10 years now. We live in U.K. and Kalyani has been looking after our investments in India in a very efficient way. Her help and prompt advice based on market situations helped grow our portfolios exponentially, and she made everything hassle-free to invest, buy/sell, or move to different mutual fund schemes. We are very impressed with her communication with us in the last decade.”
Mansi and Rajkumar Saboo
IT Professional, UK
We are a financial services firm based in Mumbai, offering investments and insurance solutions for various short and long-term financial goals. We believe adequate planning is the most potent way to reach one's life goals. Our approach to personal finance is holistic, uncomplicated, and sustainable.
With our financial planning services, each client's investments are thoroughly tracked, monitored, and regulated to ensure their goals are always within their grasp.
Kalyani Maheshwari, the founder of StepUp Investments, is a personal finance professional. She believes in proper planning, determination and discipline to achieve every financial or personal goal. She has worked with reputed MNCs in the treasury function before setting up StepUp Investments.
Personal finance has been her passion since the days of her corporate career, which led to her founding StepUp Investments in 2012. Her ability to connect with clients helps her understand their needs and ambitions better, leading to happy clients.
She is passionate about spreading financial literacy among all age groups. She believes that Financial Literacy is like armour and that every individual should possess it to overcome all challenges to accomplish their life goals!