How we work
Four steps, no shortcuts. The same process whether you bring ₹5,000 a month or ₹5 crore. Wealth is built by structure and behaviour; our job is to supply both.
Listen
A first conversation with no pitch: your goals, family obligations, current investments and past experiences, the good decisions and the ones that stung. You talk, we take notes. Whether or not you engage us, you leave knowing where you stand.
Map
We put numbers on everything: your net worth, each goal priced at its future cost, the gap between the two, using the same calculators you can check yourself. Assumptions stay deliberately moderate and are stated in writing. No plan survives on optimistic arithmetic.
Build
Foundation first: emergency fund, clean insurance, sleep-at-night money. Then the compounding engine: diversified funds via SIPs, stepped up yearly. For qualified investors, PMS and AIF strategies enter only where they genuinely add, with costs, taxation and exit mechanics explained before you sign anything.
Review, and hold the line
Scheduled reviews track the plan, rebalance drift and absorb life changes. And when markets fall (they will) we earn our keep: the data says the costliest mistake in investing is stopping in year three, and our job is making sure you don’t make it. Boring, monthly, automatic. That’s why it works.
- Every assumption stated, every fee and commission disclosed
- Written rationale before any product, and the case against it
- Conservative arithmetic: ≤12% equity assumptions, stress-tested
- A consultant who answers personally, not a call-centre queue
- Assured or projected returns; nobody honest offers these
- Pressure, deadlines, or a product-of-the-month
- Sophistication before your foundation is ready
- Jargon in place of an explanation
Process description, not investment advice or an offer. Any engagement is formalised in writing after suitability discussions. Investments are subject to market risks. Prospar Consulting LLP.