Indices 1st 31st Change

August August in (%)

2018 2018

The Stock MarketPerformanceDuring August 2018.

Sensex 37,521.62 38,645.07 2.99

MIDCAP 16,043.12 16,881.33 5.22

SMLCAP 16,628.06 17,193.20 3.40

BSE-100 11,617.69 12,016.97 3.44

BSE-200 4,869.00 5,040.98 3.53

BSE-500 15,312.72 15,846.20 3.48

Registered - R.N.I. No.: MAHENG/2007/19802 • Postal Regd. No.: MCN/72/2016-2018 • Posted at Mumbai Patrika Channel Sorting Office, GPO, Mumbai on 9th & 10th of every month.

Volume 12, Issue 9

September, 2018

A Month ly Publ icat ion f rom Wiseinvest Advisors Private Limited

Price ` 2

Inside Pg No.

“Wealthwise” is a monthly publication brought to you by Wiseinvest Advisors, which is a quality investment advisory firm that specializes in mutual funds. Our CEO, Hemant Rustagi, is a well known personal finance expert. He brings with him an experience of around 30 years in this field. He regularly writes articles for major national dailies and business magazines as well as appears as a personal finance expert on many investments related TV shows. Besides, our team of advisors has professionals who have spent years in the mutual fund industry. In the last thirteen years, thousands of our clients have benefitted from our quality advice and have made mutual funds as the mainstay of their portfolio. You can benefit too from our expertise for your existing as well as new investments. All you need to do is to just call up any of the offices or email your requirements at information@wiseinvestadvisors.com and our professional advisors will do the rest.

Wealthwise

Address to be affixed here

2Equity Outlook

4Performance Of Select Funds

Dear Investor,

India registered growth rate of 8.2 per cent, the fastest in past eight quarters, in its gross domestic product during the first quarter of the financial year 2018-19. The Indian economy managed a strong show in the April-June quarter of the current fiscal on the back of strong core performance and a healthy base.

The GDP growth rate of 8.2 per cent makes India the fastest growing major economy in the world and that comes as a boost for the government after demonetisation and GST had led to a slowdown in the economy. Earlier this month, China had reported a 6.7 per cent growth for June quarter compared with 6.8 per cent in March quarter. The positive feature of the growth dynamics is buoyancy in employment- supporting sectors such as construction and manufacturing as well as rise in private consumption spending growth.

There are visible signs of revival in domestic demand which has boosted output of both manufacturing and services. Besides, credit offtake has picked up and there has been uptick in construction as well as government expenditure. Bank credit grew 12.8% in the April-June 2018.A normal monsoon together with the increase in the minimum support price for Kharif crops is likely to support rural demand. Hence, despite external headwinds from higher oil prices and tightening financial conditions, growth prospects for the remainder of the year remains in line with economy's potential.

India's weight in MSCI Emerging Market Index increased by a record 76 basis points so far this year largely on account of the sharp rally in Sensex and Nifty. While the Sensex gained 2.99 percent in the month of August, the mid-cap and small cap indices of the BSE were up 5.22 and 3.40 percent respectively. As is evident, the interest is spreading from large cap to mid-cap again. It appears that the worst is over for midcaps and small caps. The volatility in these two segments is likely to ease over the next six months or so.

The Sensex has gained 12 percent this year, emerging as the best performer among all global benchmark indices. However, the higher weightage hasn't translated into fresh inflows because of foreign investors' lack of appetite for emerging market stocks as well as political uncertainty in India ahead of elections, currency concerns and rich valuations which are much higher than most peers.

Warm regards,

Hemant RustagiEditor

5Give Equity A Rightful PlaceIn Your Portfolio

3Make Your MF Portfolio Count

6It's Time To EmbraceFinancial Planning

September 2018 | Page No. 2

Equity Outlook

Consumer price inflation in July rose 4.2 percent compared with the same

month last year, declining from the five-month high of 5.0 percent in June.

Retail inflation cooled more than expected in July due to subdued food prices

after the Monetary Policy Committee raised interest rates for the second

straight time.

Despite global tensions, India continues to remain largely unaffected in the

global context. The Indian rupee fell to an all-time low of 70.85. In

comparison with currencies of its trading partners, the Indian rupee continues

to remain strong on a relative basis. Oil prices have remained at the US$70/bbl

which has been budgeted for by the government. Any further jumps in Crude

could be a cause for concern for both the RBI and the government.

High frequency indicators are consistent with growth recovery gathering pace

in Q2 2018 and Q3 2018. Consumption growth remains the key driver, while

exports growth has remained robust. On the investment side, capital goods

imports and order inflows of engineering and construction companies

indicate a nascent recovery.

Rural and consumption stories continue to remain attractive with a long term

perspective. Here we are currently focusing on market place disruptors. There

are two types of disruptors, Traditional bellwethers looking to reinvent the

market place and new disruptors which enter the markets and change the way

the industry does business. Our investment focus continues to remain quality

centric.

Going-forward, we continue to expect elevated volatility levels in the equity

markets and hence advise investors to look at equity allocations from a

medium to long term investment horizon. Systematic investments into equity

products could also help investors ride out short term volatility.

Jinesh Gopani

Head Equity

Axis Asset Management Co. Ltd.

DisclaimerPast performance may or may not be sustained in the future. Sector(s) /

Stock(s) / Issuer(s) mentioned above are for the purpose of disclosure of the

portfolio of the Scheme(s) and should not be construed as recommendation.

The fund manager(s) may or may not choose to hold the stock mentioned,

from time to time. Investors are requested to consult their financial, tax and

other advisors before taking any investment decision(s). Statutory Details:

Axis Mutual Fund has been established as a Trust under the Indian Trusts Act,

1882, sponsored by Axis Bank Ltd. (liability restricted to ` 1 Lakh). Trustee:

Axis Mutual Fund Trustee Ltd. Investment Manager: Axis Asset

Management Co. Ltd. (the AMC). Risk Factors: Axis Bank Limited is not

liable or responsible for any loss or shortfall resulting from the operation of

the scheme. This document represents the views of Axis Asset Management

Co. Ltd. and must not be taken as the basis for an investment decision. Neither

Axis Mutual Fund, Axis Mutual Fund Trustee Limited nor Axis Asset

Management Company Limited, its Directors or associates shall be liable for

any damages including lost revenue or lost profits that may arise from the use

of the information contained herein. No representation or warranty is made as

to the accuracy, completeness or fairness of the information and opinions

contained herein. The AMC reserves the right to make modifications and

alterations to this statement as may be required from time to time. Mutual

Fund Investments are subject to market risks, read all scheme related

documents carefully.

Improving global sentiment and strong earnings across

sectors powered markets to lifetime highs. NIFTY

Midcap 100 and NIFTY Small cap 100 indices

continued to underperform large caps significantly

rising 3.8% and 4% respectively. FPIs and domestic

funds continued to be active buyers.

1QF19 saw strong revenue growth trends across

sectors. Breadth in revenue and net profit growth improved. NIFTY 50

companies' revenue and net profit growth was 17% and 4% YoY respectively.

Excluding SBI and Tata Motors, revenue and net profit growth stood at 24%

and 20% YoY. A snapshot of industry results is below.

Source: Morgan Stanley, Axis MF Research

Market Cap Range No. of Revenue EBITDA Net Profit EBITDA Companies Growth Growth Growth Margins Reported

Above ` 70,000 Cr 46 22% 19% 4% 23%

` 28,000 to 70,000 Cr 61 21% 26% 33% 17%

` 14,000 to 28,000 Cr 75 9% 34% 14% 23%

` 3,500 to 14,000 Cr 242 9% 5% -42% 20%

` 700 to 3,500 Cr 443 13% 9% 19% 15%

Less Than ` 700 Cr 2,947 1% 28% -63% 9%

A Note To Our Esteemed ReadersWealthwise is being sent to some of you on a Complimentary basis as a part

of our humble effort to ensure that more and more investors get the best from

their investments. We sincerely hope that you would like the contents of

Wealthwise and in some way benefit from it. However, if you do not wish to

receive “Wealthwise” on a regular basis, please let us know by sending us a

mail on information@wiseinvestadvisors.com. You can also write to us at

our Corporate Office address mentioned on page 6.

Page No. 3 | September 2018

Make Your MF Portfolio Count

www.unionmf.com · Email:

investorcare@unionmf.com.

Investing money is a process that requires investors to plan at the beginning

and tackle the numerous challenges that may emerge periodically during their

defined time horizon. This needs to be done in a manner that portfolio remains

on track to achieve various short, medium and long-term investment goals.

Unfortunately, not many investors plan their investments well and even those

who plan, often abandon the process, when faced with uncertainties. At times,

even the most seasoned investors allow their portfolios to drift and thus pay a

heavy price in the form of compromising long-term goals for short term gains.

No wonder, investors have had mixed experiences with their mutual fund

investments. However, it is good to see increasing number of investors

adopting SIP route to invest in mutual funds with a clear time commitment.

This has enabled them to tackle the current volatility in the stock market well

and remain committed to their investment process. As more and more

investors join this disciplined section of investing public, mutual funds will

find its rightful place in their portfolios.

While this entire process is likely to take time as it involves changing the

mindset, investors will do well to take a few steps in the interim to make their

portfolio more effective. Here are a few key steps and how these can benefit

investors.

Embrace ELSS

We often see investors making haphazard decisions to save taxes at the fag-

end of the year. Also, since tax saving investments are not made an integral

part of their overall investment process, due consideration is not given to asset

allocation and investment options like ELSS that have the potential to provide

highest returns amongst all eligible investments under Section 80. ELSS are

often ignored as investors have misconceptions about equity as an asset class.

Those tax-payers, who face this dilemma,need to realize that investing in

ELSS is the best way to understand the stock market vagaries and learn how to

tackle them. The mandatory lock-in period of 3 years and discipline of

investing through SIP helps them stay invested and realize how investments

grow over time despite bouts of volatilities. Once they get comfortable with

equities, it becomes much easier to increase exposure to this asset class. This

goes a long way in improving long-term returns on their portfolios.

Dividend Payout vs SWP

For those who require regular income from their mutual fund investments,

there is a choice to opt for dividend payout. Depending upon the type of fund

one is invested in, dividend is received at a pre-decided interval. The Union

Budget 2018 introduced a Dividend Distribution Tax (DDT) @10 percent on

dividend paid by equity and equity-oriented hybrid funds. Debt funds were

already required to pay DDT of 25 percent. Therefore, investors must review

their strategy to reduce the impact of DDT on their regular income. Enrolling

for a Systematic Withdrawal Plan (SWP) can be an effective strategy as long-

term capital gains, that is, gains from redemption of units after 12 months

from equity and equity-oriented hybrid funds up to ` 1 lakh are not taxable.

Moreover, when a fixed sum is redeemed every month, only a part of the

proceeds is taxed as capital gains. However, one should sign up for SWP only

after allowing investments to grow for a period that makes them eligible for

long-term capital gains.

Invest in Hybrid Funds

While it is a proven fact that equities have the potential to out-perform other

asset classes over long-term, many investors hesitate to invest in pure equity

funds. Also, equity funds are not suitable for investors who can't put the

money aside for longer durations. This is where hybrid funds, that is, those

investing in a mix of equity and debt have a role to play. Investors have the

option of choosing between debt and equity-oriented hybrid funds based on

their time horizon and risk profile. Some of the examples of hybrid funds are

equity savings funds, balanced advantage funds and hybrid equity funds.

These hybrid funds, especially those that have a combined exposure of equity

and arbitrage to the tune of 65% percent or more, have the potential to provide

higher gross and post-tax returns than options like fixed deposits and debt

funds.

September 2018 | Page No. 4

Performance Of Select Funds

Mutual funds, like securities investments, are subject to market and other risks. As with any investments in securities, the NAV of units can go up or down depending on the factors and forces affecting capital markets.

Data as on August 24, 2018

Please check whether you have received dividend for the fund/s that you may have in your portfolio out of this list. In case, you do not maintain any portfolio statement, Wiseinvest Advisors can do that for you free of charge. Once we have the details, we would send your updated statement every month. You can contact our corporate office or our branch to avail of this free service.

*Absolute ** Annualised. Past performance may or may not be sustained in future.

DEBTDebt Oriented & Ultra Short Term Debt Fund Funds Launch 1 Mth* 3 Mth* 6 Mth* 1 Year* 2 Year** 3 Year** 5 Year**

ABSL Short Term Opportunities Fund May-03 0.66 2.00 2.86 4.25 6.12 7.59 8.87

Aditya Birla Sun Life Medium Term Mar-09 0.55 2.15 3.29 5.08 7.13 8.29 9.61

HDFC Credit Risk Debt Fund - Regular Mar-14 0.63 2.04 2.62 3.95 6.56 7.87 —

Kotak Credit Risk Fund Regular Plan May-10 0.65 2.16 3.17 5.37 6.98 8.01 9.06

Invesco India Short Term Fund Mar-07 0.58 1.90 2.67 3.86 5.62 6.61 7.54

Reliance Credit Risk Fund Jun-05 0.68 2.33 3.20 5.38 7.07 7.89 8.91

SBI Magnum Income Fund Nov-98 0.36 1.92 2.03 2.04 6.34 7.92 7.78

L&T Credit Risk Fund Oct-09 0.69 1.87 2.75 4.85 7.01 7.92 9.21

Kotak Savings Fund Regular Plan Aug-04 0.62 1.99 3.68 6.57 6.97 7.40 8.32

L&T Ultra Short Term Fund Apr-03 0.60 1.93 3.63 6.50 7.00 7.51 8.28

Kotak Banking and PSU Debt Fund Dec-98 0.61 2.15 2.94 4.39 6.61 7.43 8.29

ARBITRAGE FUNDS Funds Launch 3 Mth* 6 Mth* 1 Year* 2 year** 3 Year** 5 Year**

ICICI Prudential Equity Arbitrage Fund Dec-06 1.49 2.90 5.85 5.90 6.07 7.16

Invesco India Arbitrage Fund Apr-07 1.37 2.83 5.94 5.88 5.98 6.92

Kotak Equity Arbitrage Fund Regular Sep-05 1.43 2.89 5.99 6.05 6.15 7.30

Sectoral / Thematic Fund & Tax SavingICICI Prudential Banking and Financial Aug-08 7.29 6.46 19.14 21.34 29.06 22.18 — —

Reliance Banking Fund May-03 9.23 10.52 20.55 20.24 27.13 18.38 19.49 23.51

Reliance Pharma Fund Jun-04 11.54 26.78 5.02 2.77 17.71 16.56 20.55 —

Canara Robeco Consumer Trends Sep-09 11.92 16.80 18.63 18.23 23.58 18.06 — —

SBI Consumption Opportunities Fund Jul-99 4.80 23.73 20.13 19.61 19.48 21.03 23.88 22.61

Tata India Consumer Fund - Regular Dec-15 12.68 28.44 31.53 — — — — —

Axis Long Term Equity Fund Dec-09 12.27 20.15 17.56 14.68 26.66 21.06 — —

HDFC Taxsaver Fund Mar-96 0.42 6.42 13.35 12.98 20.55 14.05 14.31 21.52

HSBC Tax Saver Equity Fund Jan-07 0.52 6.70 13.68 13.66 21.70 16.75 14.50 —

IDFC Tax Advantage (ELSS) Fund Dec-08 0.38 11.83 18.29 15.08 23.38 18.74 — —

Mirae Asset Tax Saver Fund - Regular Dec-15 6.51 15.55 21.88 — — — — —

HYBRIDABSL Equity Hybrid '95 Fund Feb-95 4.02 6.55 10.32 12.70 19.24 14.81 14.98 18.39

Canara Robeco Equity Hybrid Fund Feb-93 6.42 10.90 12.74 12.85 19.13 14.85 14.65 18.08

HDFC Hybrid Equity Fund Sep-00 1.76 7.01 12.22 12.87 21.26 15.63 16.13 —

ICICI Prudential Balanced Advantage Dec-06 3.29 7.78 9.41 10.54 15.72 — — —

ICICI Prudential Equity & Debt Fund Nov-99 1.64 8.19 12.05 13.89 19.73 16.28 14.41 17.02

Invesco India Dynamic Equity Fund Oct-07 4.38 6.86 12.39 11.59 16.41 — — —

Kotak Equity Hybrid Fund - Regular Nov-99 1.20 6.27 8.92 11.27 14.19 12.34 10.67 15.83

L&T Hybrid Equity Fund Jan-11 3.30 6.82 12.25 11.94 19.90 16.16 — —

Principal Hybrid Equity Fund Jan-00 4.19 14.29 17.34 17.67 20.19 15.98 12.56 15.81

Reliance Equity Hybrid Fund Jun-05 3.16 8.05 13.06 13.42 20.23 15.83 15.62 —

SBI Equity Hybrid Fund Dec-95 4.28 11.30 11.81 11.94 19.35 16.48 13.35 19.08

HDFC Equity Savings Fund Sep-04 2.56 5.73 9.71 11.60 11.25 — — —

IDFC Equity Savings Fund - Regular Jun-08 3.55 6.04 5.90 6.19 6.87 — — —

Kotak Equity Savings Fund - Regular Oct-14 4.76 8.33 9.43 9.05 — — — —

Reliance Equity Savings Fund May-15 2.50 5.88 9.13 8.61 — — — —

EQUITY FUNDS

Fund Launch 6 Mth* 1 Year* 2 Year** 3 Year** 5 Year** 7 Year** 10 Year** 15 Year**

ABSL Frontline Equity Fund Aug-02 5.88 9.26 12.49 13.88 20.11 16.51 15.03 20.43

ABSL Equity Fund Aug-98 4.51 8.75 14.82 16.75 25.47 18.51 14.68 22.22

Axis Bluechip Fund Jan-10 15.70 22.30 18.78 16.16 19.34 16.60 — —

Axis Focused 25 Fund Jun-12 15.45 22.62 23.03 20.21 22.69 — — —

Franklin India Equity Fund Sep-94 5.73 11.49 12.34 12.82 22.23 17.07 15.34 21.17

HDFC Equity Fund Jan-95 3.51 11.27 15.07 14.26 21.69 14.90 15.50 21.32

HDFC Top 100 Fund Sep-96 5.39 11.52 14.70 14.73 19.88 14.38 14.24 20.88

HSBC Large Cap Equity Fund Dec-02 7.44 12.15 15.39 15.07 17.97 13.00 10.11 18.88

ICICI Prudential Bluechip Fund May-08 6.61 13.40 15.69 15.27 19.46 16.20 16.05 —

IDFC Core Equity Fund - Regular Plan Aug-05 3.56 9.85 15.83 17.04 18.35 14.43 10.79 —

Kotak Bluechip Fund - Regular Plan Dec-98 7.91 13.95 13.09 12.78 19.02 14.37 11.64 19.54

Kotak Standard Multicap Fund Regular Sep-09 8.34 12.03 16.64 16.45 24.05 18.78 — —

L&T Equity Fund May-05 3.13 11.32 13.30 12.70 19.98 14.76 14.28 —

Motilal Oswal Multicap 35 Fund Apr-14 2.67 4.82 17.17 16.60 — — — —

Reliance Large Cap Fund Aug-07 5.87 14.65 16.72 14.37 22.38 17.10 13.72 —

Reliance Multi Cap Fund Mar-05 1.85 12.88 12.66 10.25 20.76 16.30 16.92 —

Invesco India Contra Fund Apr-07 7.11 23.43 20.46 18.90 28.34 18.79 17.92 —

SBI Bluechip Fund Feb-06 5.09 9.29 11.43 13.04 21.33 17.48 13.76 —

Large Cap & Multi Cap

Midcap & SmallcapAxis Midcap Fund Feb-11 13.80 23.84 18.93 14.07 27.45 20.82 — —

DSP Midcap Fund - Regular Plan Nov-06 0.80 9.89 13.75 16.74 29.72 18.88 18.67 —

HDFC Mid-Cap Opportunities Fund Jun-07 2.82 11.36 14.67 16.97 29.76 21.05 20.70 —

Kotak Emerging Equity Scheme Mar-07 0.41 9.07 13.10 16.19 31.27 20.96 15.83 —

Franklin India Smaller Companies Fund Jan-06 -3.95 6.11 11.21 15.93 30.92 23.60 19.65 —

HSBC Small Cap Equity Fund May-05 -11.60 3.46 10.99 13.46 30.82 18.12 11.75 —

L&T India Value Fund Jan-10 0.14 6.95 16.32 16.51 28.25 21.27 — —

SBI Magnum Global Fund Sep-94 2.58 16.25 12.02 10.61 23.68 17.88 16.42 25.18

Scheme name Date Dividend declared in ̀ Per unit

Tata Hybrid Equity Fund (MD) 06/08/2018 0.58

ICICI Prudential Equity & Debt (MD) 08/08/2018 0.20

Sundaram Rural and Consumption Fund (D) 09/08/2018 0.44

Sundaram SMILE Fund (D) 09/08/2018 0.44

DSP Tax Saver Fund - Regular (D) 10/08/2018 0.45

ICICI Pru Infrastructure Fund (D) 16/08/2018 0.58

Sundaram Select Focus - RP (D) 16/08/2018 0.22

L&T Midcap Fund (D) 17/08/2018 3.54

DHFL Pramerica Hybrid Equity (MD) 17/08/2018 0.17

Reliance Equity Hybrid (MD) 17/08/2018 0.09

Principal Hybrid Equity Fund (D) 20/08/2018 0.25

Franklin India Focused Equity (D) 23/08/2018 0.15

L&T Large and Midcap (D) 23/08/2018 0.21

Sundaram Mid Cap Fund (D) 23/08/2018 0.18

UTI Equity Fund (D) 23/08/2018 2.92

L&T India Hybrid Equity Fund (D) 23/08/2018 0.11

Sundaram Equity Hybrid Fund (D) 23/08/2018 0.14

UTI Hybrid Equity Fund (D) 23/08/2018 0.20

Reliance Large Cap Fund - RP (D) 24/08/2018 0.14

Reliance Equity Hybrid (D) 24/08/2018 0.13

Dividends declared by equity and equity-oriented funds duringthe month of August 2018

Page No. 5 | September 2018

Give Equity A Rightful Place In Your Portfolio

Traditional investment options like fixed deposits and small savings schemes

continue to remain the most preferred choices for a majority of investors in

our country. No wonder, despite being the most dynamic and potentially the

best asset class in terms of returns over the longer term, equity hasn't been able

to get a rightful place in investment universe of Indian investors.

There have been instances in the past when investors abandoned equities due

to their not-so-pleasant experiences. Then, there are those who have stayed

away for lack of familiarity. While it is heartening to see increasing number of

investors taking Systematic Investment Plan (SIP) route to invest in equity

funds, there is still a large section of investing public that remains skeptical

about the role this asset class can play in their wealth building process.

If you are one of those investors who are still unsure about taking the plunge,

it's time to rethink so as to ensure that there is enough money available at

different stages of your life. Choosing the right investment vehicle is equally

important as the process involves selection of sectors, stocks, monitoring the

impact of various domestic and global events on the stock markets in general

and the companies in your portfolio, in particular.

If you are someone who is not aware about nuances of investing in the stock

market directly, mutual funds will be an ideal choice for you. However, you

must choose your funds well to achieve investment success within your

defined time horizon. Here are a couple of key aspects that will require your

attention.

Let suitability drive your choice of funds

Investors often get enamored with short term performance of funds and hence

end up investing either in funds that are aggressive by nature like mid and

small cap, sector and thematic funds or the ones that follow aggressive

investment strategy like having a concentrated portfolio and taking contrarian

bets. The general perception is that if a fund has been doing well in the past, it

is most likely to continue performing well going forward too. While past

performance is one of the key criteria while selecting a fund, knowing how

much risk the fund manager took to generate those returns is more important.

Besides, when you chase short-term performance, either you will make your

portfolio more aggressive or more conservative than you would have liked it

to be. That's because, in good times, you will be tempted to invest more in

equities and during volatile times in debt funds. Both these can have a serious

impact on your wealth creation process. Remember, the key factors are to

focus on asset class that suits your time horizon and invest in funds that are

consistent both in terms of following their investment philosophies and

providing returns vis-à-vis their peer group.

Be prepared to wait out volatile periods

Volatility is a natural phenomenon in the stock market. However, it shouldn't

be the cause for not investing in equities as over the longer term, equity as an

asset class, has the potential to ensure that you stay ahead of inflation.

Remember, your returns from equity funds will largely depend upon how you

tackle these bouts of volatility in the marketplace. The best way to do so is to

stay committed to your time horizon and follow a disciplined investment

process.

Having a defined time horizon ensures that intermittent volatility doesn't

compel you to make haphazard decisions like moving in and out of equity

funds. Similarly, investing through SIP brings in a discipline in your

investment process as a fixed amount is kept aside towards achieving your

varied investment goals. Besides, it helps you in bringing your average cost

down as well as keeping emotions out of your investment process. However,

it would be wrong to assume that if you invest thru SIP, you won't see any

losses in your portfolio. The fact is that SIP minimizes losses in the short term

and improves returns in the long-term. Therefore, once you sign up for SIP, be

prepared to wait out volatile periods and avoid making any haphazard

decisions.

(This article written by our CEO, Hemant Rustagi, was published in

DNA Money on August 30, 2018).

September 2018 | Page No. 6

Corporate OfficethAndheri : 602, 6 Floor, Sri Krishna Complex, Opposite Laxmi Industrial Estate, New Link Road, Andheri (W), Mumbai 400 053.

Tel : 2673 2671 / 2673 2676. E-mail : information@wiseinvestadvisors.com

Branchth

Thane : 502, 5 Floor, Pratibha Premises, Near Teen Petrol Pump, Panchpakhadi, Thane West - 400 602.

Tel : 2537 1567 / 2539 1306. E-mail : information1@wiseinvestadvisors.com

www.wiseinvestadvisors.com

WISEINVEST ADVISORS PVT. LTD.

Date of Publication: 5th of every month.

(CIN No.: U74140MH2003PTC142921)

Registered - R.N.I. No.: MAHENG/2007/19802 • Postal Regd. No.: MCN/72/2016-2018 • Posted at Mumbai Patrika Channel Sorting Office, GPO, Mumbai on 9th & 10th of every month.

DISCLAIMER: All reasonable care has been taken to ensure that the information contained herein is neither misleading nor untrue at the time of publication, but we make no representation as to its accuracy or completeness. All information is provided without any liability whatsoever on the part of Wiseinvest Advisors Private Limited.

RISK FACTORS: Mutual funds, like securities investments, are subject to market and other risks and there can be no assurance that the scheme's objectives will be achieved. As with any investments in securities, the NAV of units can go up or down depending on the factors and forces affecting capital markets. Please read the offer document before investing.

Edited, Published and Printed by Mr. Hemant Kumar Rustagi, on behalf of Wiseinvest Advisors Pvt. Ltd. from 602, 6th Floor, Sri Krishna Complex, Opp. Laxmi Ind. Estate, New Link Road, Andheri West, Mumbai 400053 at AdvantEdge Offset Printers, K-7 Rizvi Park, S V Road , Santacruz (W), Mumbai 400 054. Design by Mosaic Design. Copyright reserved © 2007. All rights reserved in favour of Wiseinvest Advisors Pvt. Ltd.

Financial planning is the process of making informed money management decisions to secure your future. Financial planning helps to achieve financial goals and meet personal priorities, taking into consideration available resources, responsibilities, risk appetite and lifestyle. A financial plan lays down the allocation of savings across various asset classes to achieve an appropriate risk-reward balance.

Do you need a financial plan?All individuals and families regardless of age or income need a financial plan so that they know that they are saving enough for retirement, education funds or a new home. A financial plan gives you the discipline necessary to save money. A qualified and experienced financial planner can help you plan your investments so that you get the best returns for your risk level by spreading your investments into the different asset classes as well as investment options.

Wiseinvest Advisors is a SEBI registered Investment Adviser (Registration No. INA000000664). To maintain an arm's length distance between our Advisory and Execution services, we have set up a separate department named Investment Adviser Department (IAD).

We can help you achieve your goals by providing comprehensive fee based financial planning and making recommendations of financial products that suit your requirements the most. Our mission is to help you overcome uncertainty and take control of your finances and move confidently towards achieving your goals. The basis of fee calculation is the complexity of the engagement.

Remember, financial planning doesn't have to be an intimidating process. We have qualified and experienced advisers who can make financial planning a simple and fruitful process for you.

Our process:

Step 1: The first meeting provides an opportunity for you and us to get to know each other. You also get an opportunity to decide whether we have the capability to fulfill all your requirements.

Step 2: Establish a clear understanding of your goals and objectives as well as analyze your current situation. We have a discussion to determine what you want to achieve with your wealth.

Step 3: Determine your risk profile through discussion and a psychometric test. This enable us to find out how much risk you would like to and need to take to achieve your goals.

Step 4: Develop your unique financial plan. This will also include the recommended asset allocation and various investment options that suit your needs. While doing this, we also analyze your current investments. We present a final version of your customized financial plan so that you're positioned to move forward.

Step 5: Implement the investment plan. There would be no obligation on you to choose Wiseinvest Advisors to implement the recommendations made in the financial plan.

Step 6: We'll meet regularly to proactively address changes in your circumstances, as well as those in the markets, economy and taxes.

If you are keen to start the process of financial planning, you can get in touch with Investment Advisers at our Andheri office.

It's Time To Embrace Financial Planning