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New to Investing?

Responsible financial planning and timely investment decisions play a crucial role in ensuring a secure future and achieving your aspirations in life. Understanding and quantifying your goals is the first step towards building a Wealth portfolio and will eventually help you realize your growth potential. 

Key Considerations

Your Life Goals

Planning your Savings

The first step towards your investment journey and planning your savings. Start by setting a budget for your regular expenses. Make sure you always include an additional buffer for unexpected expenses. Learn to differentiate between your needs and wants. Once you set a regular savings target, you must stay committed towards your saving and investment goals to plan for a brighter future!

Lifecycle based investing 

As you progress through life your financial goals will change. It is important for your saving and investment plans to keep up with your changing needs so that you realize your true growth potential. With the right investment guidance, you can invest your money in line with your life stage needs and evolve your investment portfolios as you progress through life. 

 

Recently Employed

Getting Started

 

  • Young, unmarried, limited expenses
  • No financial dependents
  • Generally, have a higher appetite for risky investments
  • Long term investment horizon
  • An early start can generate major benefits later!

 

Getting Married

Moving up, looking ahead

 

  • Recently married, growing expenses
  • Growth oriented risk appetite
  • Developing joint financial goals with spouse
  • Long term investment horizon
  • Important to set financial goals as a family

 

Parenthood

A New Phase in Life

 

  • Start of parenthood journey
  • Increasing expenses due to dependents
  • Moderate risk appetite
  • Medium to long term investment horizon
  • Time to start planning for children’s education!

 

Retirement Planning

Leaving a legacy

 

  • Senior age, need for pension income
  • Usually have a low appetite for risk
  • May need liquidity for health expenses
  • Short term investment horizon
  • Early retirement planning and have a major impact on your retirement funds!

 

Why should you consider the regular saving international investment plan?

When planning your investments, you must remember to invest in financial products that are best suited to your investment risk appetite and time horizon. Using our online tool, you can better understand your personal appetite for risk which will better guide you towards selecting the right investment solutions.

Whether you are an experienced or savvy investor, or whether you are just beginning, you must always seek to ‘Diversify’ your investments.

In simple terms, you must never put all your eggs in one basket. By carefully selecting investments across a diverse array of options you can actually reduce your overall risk while enhancing your expected returns.

Remember, with every investment you make, there are always associated risks. However, by spreading your money across multiple asset classes, you can limit your exposure.

CB Wealth Management offers you the opportunity to invest in a range of asset classes including, Fixed Income (Bonds), Mutual Funds, Regular Saving Investment plans, Structured Notes and Alternative Investment and many other options. Within these asset classes, you can further diversify based on different geographic markets, industries/sectors, company size and even ESG related investment options. 

Risk VS Return

In the world of financial investments, one principle reigns supreme: Low Risk – Low Return, High Risk - High Return. You cannot have high returns without taking on the possibility of a higher financial risk. When investing your money, you must remember that there are always inherent risks which you must evaluate and understand. While risk cannot be eliminated, it can certainly be managed in line with your risk appetite and expectations.

Features

How much risk you are willing to take in your investment portfolios is directly related to your risk profile. By completing our risk profiling form, you can get an insight towards your appetite for investment risk. Ideally, your investments should reflect not just your appetite but also your capacity to take on financial risk which is a function of your financial strength and expected time horizon of investments.

Complete Your Risk Profile

Completing your personal risk profile is easy! All you have to do is answer some questions and our Risk Profiling Tool will evaluate and determine your appetite for investment risk. You can begin by clicking the link below:

Risk Profiling Tool