Everything in the world revolves around money. Financial ignorance can flip your life upside down. Sadly, Financial literacy is not taught in mainstream education or otherwise. The number one problem in today's generation and the economy is lack of financial literacy. We at BMY Capital are keen on developing Financial Literacy Programs for Families. In India financial literacy is very low even among educated individuals. The ever-growing complexity in financial products and their relevancy to an individual’s personal financial journey is getting deeper. Individuals and Families need a basic level of understanding to know what is going on with their finances. For that, they need to be educated. We have designed a Financial Literacy Program for them called ‘Romance with Finance’. This program is aimed at imparting a good understanding of the basics of Personal Finance. As a natural extension of our professional experience, we came to an understanding that kids are an essential ally in the management of Family Finances. ‘Money For Kids’ program is developed by us to educate school-going kids. Our Financial Literacy program designed to make the learning experience memorable and practical. Financial literacy helps you make sound financial decisions. Be smart, get educated about personal finances from the experts in the field.

It is a holistic approach to personal financial management. It begins with identifying your family’s short and long-term financial goals, optimizing what you have today and developing strategies to achieve your goals. It is a proven systematic process for financial stability and long-term success. Your goals could be anything like your child’s education and marriage, buying a home, or retirement planning. Your current age, income or wealth does not matter, if you have aspirations in life, you have better success achieving them with a financial plan. Products come last Financial planning is often confused with product selection. Random selection of mutual funds, insurance and other investments without a plan may not help you achieve your life’s goals efficiently. Financial planning is mostly about planning and strategy with product choices playing a small role. HOLISTIC FINANCIAL PLANNING You probably go to an insurance agent for insurance, a bank for savings and loans, a broker for mutual funds,  stock investments and retirement planning, an auditor for tax planning. You end up with different pieces of information, products and advice which could work against each other. Holistic financial planning integrates all the different pieces of your financial lives and ensures that they work together towards your goals. The jigsaw is firmly put together in an orderly, tax efficient and cost effective way and the overall picture becomes clear. WHY IS IT IMPORTANT FOR YOU? We are usually busy with our day-to-day lives, focusing on short-term needs, issues and don’t step back to look at the bigger, more important picture. A financial planner will take an objective look at your situation and help you create a plan which will benefit you in many ways. BETTER INFORMED DECISIONS One of the biggest challenges in taking finance decisions is knowing all the options available to you. Product salesmen only talk about the benefits of their products and do not educate you on the other potentially better options. An unbiased, independent planner can show you all the options and educate you on the benefits and limitations of each one of them, helping you make fully informed decisions. CLARITY OF YOUR LIFE'S GOALS It will help you quantify your life’s goals and create a plan to achieve them. Eg, saving for your child’s education is a goal, but how much will be needed 15 years from now, and how much you need to save starting now needs to be understood. It also helps to identify future needs much earlier so you can start working towards fulfilling it. PROPER INVESTMENT CHOICES There are thousands of mutual funds, hundreds of insurance policies, retirement plans and investment options. A professional planner can research and identify the product that best suits your needs and offers the best value for the lowest cost. Your current non-performing investments and insurance can be replaced or eliminated, also reducing unnecessary commissions and hidden costs. EFFICIENT USE OF RESOURCES A plan helps you understand what you have today and optimize your wealth and income for best results. With a holistic view of your finances, all the different pieces of your financial lives work together in an efficient manner. BETTER PREPARED FOR LIFE'S UNCERTAINTIES Life is unpredictable and a financial plan helps you and your family be prepared for future uncertainties. Through risk management and insurance planning, you can be rest assured that the risks are taken care off. PEACE OF MIND With proper goals identified, quantified, and a plan to achieve them, you can have better clarity and peace of mind that you are on track to achieve your life’s goals and that risks are taken care of. You will know exactly what you need to do to achieve your goals.

In simple terms, portfolio management is a method of optimising your returns while keeping in mind your investment objectives, risk appetite, and asset exposure.   It also looks at investing in different investment instruments keeping in mind your investment goal and tenure. Portfolio managers usually run a SWOT analysis on your investment objective and decide an investment strategy to manage your portfolio most efficiently.   Why Is Portfolio Management Important? Portfolio management is important for all investors to take note off due to the following reasons: It helps you maximise returns on your portfolio and enable you to invest efficiently; Portfolio Management can help you build your portfolio based on your risk-taking ability. If you are a risk-averse person, portfolio managers help you suggest less risky securities; With minimum risk, you will be able to make the most out of your portfolio returns through portfolio management services; The experts help you frame your investment strategy based on requirements, along with their insightful suggestions; Portfolio management works the best when you do not have time to study the market and want experts to do it for you.   Who Should Avail for Portfolio Management Services?   Portfolio management services is largely suitable for everyone.   However, those who want to invest in various securities actively, have little knowledge about investing and have no time to study the market, should avail such services.   It offers dual benefits: You get experts to manage your risk to return ratio and frame the most suitable investment strategies for you. These experts also educate you about the exposure you should have to equity instruments and debt instruments subsequently. And the instruments you can put your money in; You earn efficient returns from your portfolio by diversifying your risks across various securities with the help of portfolio managers. Conclusion While it is not always required to have a dedicated portfolio manager, having an expert advice can help you manage your investments more efficiently.   Investors with less time to review the market regularly can avail portfolio management services to make the most of their portfolio with the right strategy.

Investment planning can be done for anything you want or need it. Investment management is probably the most complicated area of financial planning and is therefore where many of us procrastinate. But it doesn’t need to be so difficult: incorporate simple money truths into your financial strategies so you can make decisions with confidence and understand the potential risks and benefits of investing by Investment planning We all have different goals – buying a house, giving the best education to the kids, see them building family, retirement and a lot more. Many of us also hope to achieve a level of wealth while providing for other goals. But the ultimate goal for anyone would be achieve the freedom from financial worries. This freedom is possible with smart goal-based investments. Just as people have different goals, there are investments to help achieve these objectives. Smartly investing your hard-earned money ensures that the right amount of funds are available in the right time. Investment planning is the process of matching your financial goals and objectives with your financial resources. Investment planning is a core component of financial planning. It is impossible to have one without the other. Investment Philosophy Our objective is to invest your portfolio so that it will yield the return you seek with the lowest possible risk. The best way to achieve this is through diversification, in other words, the allocation of your portfolio among different asset classes. Simply stated, depending on your situation, your money is invested in a variety of stocks, bonds, commodities, natural resources, precious metals, and cash, and then rebalanced periodically. Investment Decision-Making Being diversified among asset classes does not mean living with low returns; rather, it delivers better volatility-adjusted returns. In addition, we believe: that portfolios should be rebalanced periodically in order to maintain a long-term chosen asset allocation (that can change when financial objectives change over time); that over the long-term common stocks outpace income investments (their higher expected returns are coupled with compounding interest); and that reasonable expenses and tax efficiency are important to total return. Types of Investments Stocks. A stock is an investment in a specific company. … Bonds. A bond is a loan you make to a company or government. … Mutual funds. If the idea of picking and choosing individual bonds and stocks isn’t your bag, you’re not alone. … Index funds. … Exchange-traded funds. … Options. Define Your Goals Investing begins with the determination of your ultimate goals. Knowing the results you want will help you more easily choose the right avenues and strategies to reach them. Defining your goals, such as earning money for a big purchase or growing your retirement fund, is an important part of investment planning that allows you to look at the big picture when creating  your investment plan

High Networth Individuals are accustomed to working with professionals all their life. They always strive to achieve perfection in their endeavours. Financial Planning is one such vital area that needs professional attention. In India Registered Investment Advisors are the only professionals recognised by Securities Exchange Board of India (SEBI). RIAs have the right expertise and required experience to manage the investments of any HNI. It begins and ends with you At BMY Capital, it's all about your best interest. We offer Wealth Management services for individuals and families who like professionals to review, manage, / monitor their finances. Our unbiased wealth advisory helps you with wealth preservation, wealth management & wealth Transfer. Right advice, from the first meeting A well-informed, competent advisor with your best interests at heart is critical to make the most of your assets and to navigate your investment journey. Our Fiduciary advisory, shepherds your resources to create optimum impact while ensuring that your interests are protected. We are a fee-only fiduciary advisor. So you get Right Advice, from the first meeting. Right advice through proper Risk Profiling & Asset Allocation Every product comes with inherent risk and returns prospects. We understand your risk-taking capacity, risk tolerance level through the Psychometric risk analysis to give better advice. Historical data proves that different asset classes like equity, debt, real estate, gold and other alternatives perform differently, and no single asset class outperform others consistently. We come out with appropriate asset allocation, which aligned to your risk profile and changing investment climate to maximise your returns. Monitoring & Review We will monitor the investments, send periodic reports & appropriate alerts and do a regular review. This helps you make informed decisions & take control of your finances. It's to be noted that your funds are invested outside and never with us, we only act as a consultant.

Estate planning is the process of making sure your personal assets are handled according to your wishes after you pass on or become incapacitated. It involves reducing your estate’s exposure to taxes and other forms of liability while also avoiding probate as much as possible. Estate planning ensures that your personal assets are passed on to the right people as per your will. It helps avoiding litigation and delays in asset distribution. Estate Planning (and will writing) is the systematic planning to distribute one’s Estate according to ones wishes. Estate Planning is for everyone, not just wealthy people.  Estate is everything any individual owns, all their assets and Estate planning will define how their estate is to be passed on; What, When and Whom. Estate planning would be a critical planning for; People with minor ChildrenTo specify who will care for children upon the untimely death of the parents. People with hereditary conditions of age-related Disabilities People in High-Liability Occupations People who own Assets in Multiple states or countries. Popular Tools of Estate Planning are; Life Insurance policies Wills Trusts Hindu Un-divided Family (HUF) At BMY Capital, we help you with  tailor-made solutions based on your estate planning objectives. while maintaining highest standards of integrity and professional ethics. Succession Planning focuses on the business continuity, As people age or move on to other opportunities, they’ll leave your business, and the voids they leave behind need to be filled if the business is to keep going. Succession planning aims to make sure those voids are filled when the time comes. A Solid succession planning should result in a seamless business continuity when key personnel & leaders leave the company.

Everything in the world revolves around money. Financial ignorance can flip your life upside down. Sadly, Financial literacy is not taught in mainstream education or otherwise. The number one problem in today's generation and the economy is lack of financial literacy. We at BMY Capital are keen on developing Financial Literacy Programs for Families. In India financial literacy is very low even among educated individuals. The ever-growing complexity in financial products and their relevancy to an individual’s personal financial journey is getting deeper. Individuals and Families need a basic level of understanding to know what is going on with their finances. For that, they need to be educated. We have designed a Financial Literacy Program for them called ‘Romance with Finance’. This program is aimed at imparting a good understanding of the basics of Personal Finance. As a natural extension of our professional experience, we came to an understanding that kids are an essential ally in the management of Family Finances. ‘Money For Kids’ program is developed by us to educate school-going kids. Our Financial Literacy program designed to make the learning experience memorable and practical. Financial literacy helps you make sound financial decisions. Be smart, get educated about personal finances from the experts in the field.

It is a holistic approach to personal financial management. It begins with identifying your family’s short and long-term financial goals, optimizing what you have today and developing strategies to achieve your goals. It is a proven systematic process for financial stability and long-term success. Your goals could be anything like your child’s education and marriage, buying a home, or retirement planning. Your current age, income or wealth does not matter, if you have aspirations in life, you have better success achieving them with a financial plan. Products come last Financial planning is often confused with product selection. Random selection of mutual funds, insurance and other investments without a plan may not help you achieve your life’s goals efficiently. Financial planning is mostly about planning and strategy with product choices playing a small role. HOLISTIC FINANCIAL PLANNING You probably go to an insurance agent for insurance, a bank for savings and loans, a broker for mutual funds,  stock investments and retirement planning, an auditor for tax planning. You end up with different pieces of information, products and advice which could work against each other. Holistic financial planning integrates all the different pieces of your financial lives and ensures that they work together towards your goals. The jigsaw is firmly put together in an orderly, tax efficient and cost effective way and the overall picture becomes clear. WHY IS IT IMPORTANT FOR YOU? We are usually busy with our day-to-day lives, focusing on short-term needs, issues and don’t step back to look at the bigger, more important picture. A financial planner will take an objective look at your situation and help you create a plan which will benefit you in many ways. BETTER INFORMED DECISIONS One of the biggest challenges in taking finance decisions is knowing all the options available to you. Product salesmen only talk about the benefits of their products and do not educate you on the other potentially better options. An unbiased, independent planner can show you all the options and educate you on the benefits and limitations of each one of them, helping you make fully informed decisions. CLARITY OF YOUR LIFE'S GOALS It will help you quantify your life’s goals and create a plan to achieve them. Eg, saving for your child’s education is a goal, but how much will be needed 15 years from now, and how much you need to save starting now needs to be understood. It also helps to identify future needs much earlier so you can start working towards fulfilling it. PROPER INVESTMENT CHOICES There are thousands of mutual funds, hundreds of insurance policies, retirement plans and investment options. A professional planner can research and identify the product that best suits your needs and offers the best value for the lowest cost. Your current non-performing investments and insurance can be replaced or eliminated, also reducing unnecessary commissions and hidden costs. EFFICIENT USE OF RESOURCES A plan helps you understand what you have today and optimize your wealth and income for best results. With a holistic view of your finances, all the different pieces of your financial lives work together in an efficient manner. BETTER PREPARED FOR LIFE'S UNCERTAINTIES Life is unpredictable and a financial plan helps you and your family be prepared for future uncertainties. Through risk management and insurance planning, you can be rest assured that the risks are taken care off. PEACE OF MIND With proper goals identified, quantified, and a plan to achieve them, you can have better clarity and peace of mind that you are on track to achieve your life’s goals and that risks are taken care of. You will know exactly what you need to do to achieve your goals.

In simple terms, portfolio management is a method of optimising your returns while keeping in mind your investment objectives, risk appetite, and asset exposure.   It also looks at investing in different investment instruments keeping in mind your investment goal and tenure. Portfolio managers usually run a SWOT analysis on your investment objective and decide an investment strategy to manage your portfolio most efficiently.   Why Is Portfolio Management Important? Portfolio management is important for all investors to take note off due to the following reasons: It helps you maximise returns on your portfolio and enable you to invest efficiently; Portfolio Management can help you build your portfolio based on your risk-taking ability. If you are a risk-averse person, portfolio managers help you suggest less risky securities; With minimum risk, you will be able to make the most out of your portfolio returns through portfolio management services; The experts help you frame your investment strategy based on requirements, along with their insightful suggestions; Portfolio management works the best when you do not have time to study the market and want experts to do it for you.   Who Should Avail for Portfolio Management Services?   Portfolio management services is largely suitable for everyone.   However, those who want to invest in various securities actively, have little knowledge about investing and have no time to study the market, should avail such services.   It offers dual benefits: You get experts to manage your risk to return ratio and frame the most suitable investment strategies for you. These experts also educate you about the exposure you should have to equity instruments and debt instruments subsequently. And the instruments you can put your money in; You earn efficient returns from your portfolio by diversifying your risks across various securities with the help of portfolio managers. Conclusion While it is not always required to have a dedicated portfolio manager, having an expert advice can help you manage your investments more efficiently.   Investors with less time to review the market regularly can avail portfolio management services to make the most of their portfolio with the right strategy.

Investment planning can be done for anything you want or need it. Investment management is probably the most complicated area of financial planning and is therefore where many of us procrastinate. But it doesn’t need to be so difficult: incorporate simple money truths into your financial strategies so you can make decisions with confidence and understand the potential risks and benefits of investing by Investment planning We all have different goals – buying a house, giving the best education to the kids, see them building family, retirement and a lot more. Many of us also hope to achieve a level of wealth while providing for other goals. But the ultimate goal for anyone would be achieve the freedom from financial worries. This freedom is possible with smart goal-based investments. Just as people have different goals, there are investments to help achieve these objectives. Smartly investing your hard-earned money ensures that the right amount of funds are available in the right time. Investment planning is the process of matching your financial goals and objectives with your financial resources. Investment planning is a core component of financial planning. It is impossible to have one without the other. Investment Philosophy Our objective is to invest your portfolio so that it will yield the return you seek with the lowest possible risk. The best way to achieve this is through diversification, in other words, the allocation of your portfolio among different asset classes. Simply stated, depending on your situation, your money is invested in a variety of stocks, bonds, commodities, natural resources, precious metals, and cash, and then rebalanced periodically. Investment Decision-Making Being diversified among asset classes does not mean living with low returns; rather, it delivers better volatility-adjusted returns. In addition, we believe: that portfolios should be rebalanced periodically in order to maintain a long-term chosen asset allocation (that can change when financial objectives change over time); that over the long-term common stocks outpace income investments (their higher expected returns are coupled with compounding interest); and that reasonable expenses and tax efficiency are important to total return. Types of Investments Stocks. A stock is an investment in a specific company. … Bonds. A bond is a loan you make to a company or government. … Mutual funds. If the idea of picking and choosing individual bonds and stocks isn’t your bag, you’re not alone. … Index funds. … Exchange-traded funds. … Options. Define Your Goals Investing begins with the determination of your ultimate goals. Knowing the results you want will help you more easily choose the right avenues and strategies to reach them. Defining your goals, such as earning money for a big purchase or growing your retirement fund, is an important part of investment planning that allows you to look at the big picture when creating  your investment plan

High Networth Individuals are accustomed to working with professionals all their life. They always strive to achieve perfection in their endeavours. Financial Planning is one such vital area that needs professional attention. In India Registered Investment Advisors are the only professionals recognised by Securities Exchange Board of India (SEBI). RIAs have the right expertise and required experience to manage the investments of any HNI. It begins and ends with you At BMY Capital, it's all about your best interest. We offer Wealth Management services for individuals and families who like professionals to review, manage, / monitor their finances. Our unbiased wealth advisory helps you with wealth preservation, wealth management & wealth Transfer. Right advice, from the first meeting A well-informed, competent advisor with your best interests at heart is critical to make the most of your assets and to navigate your investment journey. Our Fiduciary advisory, shepherds your resources to create optimum impact while ensuring that your interests are protected. We are a fee-only fiduciary advisor. So you get Right Advice, from the first meeting. Right advice through proper Risk Profiling & Asset Allocation Every product comes with inherent risk and returns prospects. We understand your risk-taking capacity, risk tolerance level through the Psychometric risk analysis to give better advice. Historical data proves that different asset classes like equity, debt, real estate, gold and other alternatives perform differently, and no single asset class outperform others consistently. We come out with appropriate asset allocation, which aligned to your risk profile and changing investment climate to maximise your returns. Monitoring & Review We will monitor the investments, send periodic reports & appropriate alerts and do a regular review. This helps you make informed decisions & take control of your finances. It's to be noted that your funds are invested outside and never with us, we only act as a consultant.

Estate planning is the process of making sure your personal assets are handled according to your wishes after you pass on or become incapacitated. It involves reducing your estate’s exposure to taxes and other forms of liability while also avoiding probate as much as possible. Estate planning ensures that your personal assets are passed on to the right people as per your will. It helps avoiding litigation and delays in asset distribution. Estate Planning (and will writing) is the systematic planning to distribute one’s Estate according to ones wishes. Estate Planning is for everyone, not just wealthy people.  Estate is everything any individual owns, all their assets and Estate planning will define how their estate is to be passed on; What, When and Whom. Estate planning would be a critical planning for; People with minor ChildrenTo specify who will care for children upon the untimely death of the parents. People with hereditary conditions of age-related Disabilities People in High-Liability Occupations People who own Assets in Multiple states or countries. Popular Tools of Estate Planning are; Life Insurance policies Wills Trusts Hindu Un-divided Family (HUF) At BMY Capital, we help you with  tailor-made solutions based on your estate planning objectives. while maintaining highest standards of integrity and professional ethics. Succession Planning focuses on the business continuity, As people age or move on to other opportunities, they’ll leave your business, and the voids they leave behind need to be filled if the business is to keep going. Succession planning aims to make sure those voids are filled when the time comes. A Solid succession planning should result in a seamless business continuity when key personnel & leaders leave the company.