UnmatchedWealth ManagementExpertise

We have the right people toprovide the direction you need.Our experienced advisors can help you reachyour wealth management goals.

Prudent Wealth is Siliguri’s only Professional financial Planning and Wealth Management company, it is North Bengal and Sikkim fastest growing Financial Consultant and Wealth Management Service provider. Founded by Mr. Chandan Ghosh a Chartered Wealth Manager certified by American Academy of Financial Management, USA. And Fellow of American Academy of Financial Management.

Prudent Wealth is founded with a vision to provide complete wealth management solutions, with professional expertise, and Highest level of service standards to its clients.

We at Prudent Wealth advise and help people achieve their financial goals. Our clients comprises people from distinct walks of life - be it Individual Investors, Corporates, Non Resident Indians (NRI's) or High Worth Individuals. In order to make wise, informed and appropriate financial decisions professional advice is required. Mr. Chandan Ghosh realized the need of the hour as created by the changing environment, i.e. the common man's need for sound and unbiased investment advice. He therefore, decided to use his expertise, knowledge, years of experience and thorough understanding of personal finance to take on the cap of Personal Financial Advisory.

Mr. Chandan GhoshCWM, USA, Managing Partner of Prudent Wealth has a professional experience of more than 13 years in Financial sector.His noted experience carries with him 8 years of working experience in SBI Mutual Fund , (A Joint ventured between State Bank of India and Amundi).

Who we serve

How we serve you

You, Prudent Wealth, and I each have distinct and important roles in the investment process:

Your role is to communicate your objectives, goals, and desired risk level by updating your investment profile when life changes occur.

Prudent Wealth will monitor the funds within your portfolio on a daily basis. If market conditions warrant, Prudent Wealth will follow a disciplined money management approach to reallocate your portfolio to seek to meet your investment objectives.

I will provide oversight to the entire process, meet with you regularly, and work closely with Prudent Wealth.

BusinessSociety and TrustsIndividual and families

InstitutionSME & MSME

Advisory Investment ManagementDiscreationary Investment ManagementTreasury Cash Flow Planning

Treasury Management

Systematic Investment PlanTax PlanningChild Higher Education PlanningChild Marriage PlanningPlanning for RetirementInsurance Planning

Personal Financial Planning

We make your moneywork for youit does not sleep, get tired,or go on vacation...

Increase revenues while cutting costswhen you streamline your receipts, payments and liquidity.

Treasury Management

You want your money to grow, but you don’t want to lose it either.In order to make this to happen you need the best advice possible. And this is where we come in with our 3 Dimensional Treasury Management service... Advisory Investment Management Discretionery Investment Management Cash Flow ManagementSpecially designed for Society and Trusts | Individuals and Families Institutions | SME/MSME | Co-operative Banks

We pride ourselves on working together with our clients; advising and selecting the best options for them. Our aim is to create a portfolio that suits your requirements based on your risk appetite; therefore we will first seek to understand a client’s needs and investment objective and on that basis, offer a portfolio that best suits these needs and objectives.

We know that the real secret to successful investing is not in a special product but in communicating with you. There is no minimum investment with us, and we realise how important your wealth is to you. We offer you institutional quality investment management, but on a completely personal basis. We are skilled at blending a variety of investments to meet precise objectives and would recommend the best ways forward for you.

The requirements of institutional investors, HNI’s can be very specific. Our focus is to work with you to understand your risk appetite, expected cash flows and investment restrictions. From this we can arrive at a decision to agree upon a clear mandate through which your investments will be managed.

lancing those risks with generating enhanced returns takes experience, knowedlege and focus, and simply leaving money on deposit, or buying a liquidity fund, may not be the best thing for your business. At Prudent Wealth we see managing liquidity as a service not as a product and then we design a liquidity management strategy that will match these liabilities with suitable assets. To do that properly means working in partnership with you. It’s a lot more than just selling you a fund.

The formula that always worksPlan Professionaly + Start Early + Invest Regularly = Create Wealth

Personal Financial Planning

Personal finance is all about self-evaluation. The more consistent your self-evaluation, The better your grasp of your financial situation will become.

Just ask yourself few Personal Finance Questions that are always worth asking yourself...

Do you think the answers are too complex and you are puzzled to choose the right options !!!

Well, When it comes to financial options, we have the best solutions.We offer to manage your scattered finances with excellent solutions.

What was the last money mistake I made and why did I make it?

Am I on a realistic savings pace for what I want to do when I’m near retirement age?

What am I doing to make sure I can help my children with Higher Education in the way I would like to?

Do I have enough of an emergency fund?

What would happen to me if I were to lose my job tomorrow and couldn’t become employed again quickly, and how can I improve that plan?

What would happen to me if my spouse passed away suddenly or became unable to produce income or care for him/herself, and what can I do to improve that plan?

What big expenses do I know are coming in the next year, such as property taxes or insurance payments?

What big expenses do I know are coming in the next five to ten years, such as a down payment or a new car?

What can I realistically do to improve my income level?

SIP - Systematic Investment PlanA Systematic Investment Plan or SIP is a smart and hassle free mode for investing money in mutual funds. SIP allows you to invest a certain pre-determined amount at a regular interval (weekly, monthly, quarterly, etc.). A SIP is a planned approach towards investments and helps you inculcate the habit of saving and building wealth for the future.

With volatile markets, most investors remain skeptical about the best time to invest and try to 'time' their entry into the market. Rupee-cost averaging allows you to opt out of the guessing game. Since you are a regular investor, your money fetches more units when the price is low and lesser when the price is high. During volatile period, it may allow you to achieve a lower average cost per unit.

We at Prudent Wealth will help you choose the right Product based on our in- house research, and recommend you unbaised schemes which suits your risk profile.

“ Compound interest is the eighth wonder of the world. He who understands it, earns it... he who doesn't... pays it. "

- Albert Einstein

The rule for compounding is simple - the sooner you start investing, the more time your money has to grow.

SIP is the need of the hour, So Don’t Waste Time... Just Start It Today.

PLAN YOUR DREAMSANDSTAY RELAXED EVEN IN VOLATILE MARKETS

SIP INVESTMENTS

Unique Financial assistance byDiversifying the Risks...

Child Educational PlanningAs parents, we want to provide our child the best education, because it is one of the biggest goals of parents at all times, especially during current days. It is because of so many factors like tough competition in exam and admission, surging cost of education, both basic and speciality and so on. Most of the parents think to start saving for Child Education right from the birth of Child, which is a great! But a few maintained it with a discipline.

But are we saving enough or in a right way?

The answer is SIMPLY NO. Most of us neglect the importance of child education planning, and result is that parents are under the mountains of loans at the time of need, which not only affects the savings they have made for their retirement but also their personal financial budget for family.

We at Prudent Wealth, plan for your child’s bright future by making detailed analysis and evaluating the target cost of Children Education needs how you can achieve the targets within expected deadline and reviewing the need periodically

SURGING EDUCATION COSTDOESN’T REALLY MATTER

IF YOU PLAN ITWELL AHEAD AND BETTER

bass itna hi chahiye !FOR OUR HIGHER EDUCATION

5000/-

For a parent, seeing their child happily married is an unparalleled joy. Whether it is the pride of seeing your son to welcome at home a bride, or the bittersweet joy of seeing your daughter start a new life with her husband. But giving your children the wedding of their dreams requires a lot of careful financial planning.

You know that your children’s wedding day will be the most important day in their lives as well as your own; a day that all of you will remember forever as the fulfillment of a lifelong dream. So let’s make sure that on that day, your children get the wedding of their dreams! When nothing but the best will do. For that, simple thinking will not suffice the purpose. It requires continuous and focussed financial planning.

We at prudent Wealth, plan for your child’s marriage,which will allow you to grant them the happiness they deserve, and a wedding they will remember forever as the happiest

and grandest day of their lives.

Why not make sure that this precious time is spent in happiness and celebration rather than in wondering how to foot the bills?

Child Marriage Planning

LETYOUR CHILD

LIVE THATGRAND MOMENT...

AND YOUTAKE THE PRIVILEGEOF A PROUD PARENT

KEEP INVESTING FOR THE HAPPIEST MOMENT THAT YOU CAN REJOICE FOREVER

There is a lot more to retirement than just having a personal pension plan from an employer. As you’ll get closer to this penultimate and key stage in your life, the decisions you make will have a substantial impact on your future.

The life expectancy has gone up with the advancement of the medical sciences, but are you saving enough for retirement? Are you living under a fear to compromise your standard of living after retirement? In absense of proper financial planning for retirement, it will either wipe out our savings or inflation will erode away our retirement corpus. There are many, facing several problems in the post-retirement age with the surging monthly expenditure due to the inflation and along with that the medical expenses also go up hugely.

Most retired people have limited income and therefore investments should be planned in such a way that those yield a regular income post retirement. It doesn’t make sense to lock savings in investments, which give returns after 20 years. Further, as one approaches retirement, it is important to gradually de-risk the portfolio to safeguard the corpus. Of course, this needs to be done considering the risk tolerance and risk profile of the individual and varies from person to person.

We at Prudent Wealth understand post retirement needs of clients and design investment portfolio that suits their the risk profile and generate periodic monthly cash flow. We can help you understand your options, how to address your income needs in retirement and how much wealth you will need to support it. As well as the traditional options, there are a variety of new ways you can access your pension fund including:

Investment linked annuities Impaired life annuities Fixed income drawdown Flexible income drawdown

Retirement Planning

INVEST WITHDETERMINATION

PLAN FOR ALIFETIME CELEBRATION

Time is a concept which has multi-fold meaning. To some, time is money. To others it is relaxation or maybe action and excitement. Whatever it is, time is always precious.

As a prudent income-earner, you have better ways to spend your time than filling in your tax return. And hopefully you have more enjoyable things to do – but you can’t avoid your tax return. You need to get it sent in on time, and you want it to be accurate when you do. Most important of all, you don’t want to pay excess tax than you have to.

You will find your Prudent Wealth Adviser understands how important it is to you to get this done properly. Preparing your return for you with minimum taxation on your investments, and arranging the payments directly from your portfolio, removes the hassle for you. Of course, everything is kept safe in case you need to check it in the future.

Tax Planning

THE SECRET SUCCESS MANTRABALANCE FINANCIAL GOALS

WITH TAX EFFICIENCY PLANNING

YOU MUST PAY TAXESBUT THERE’S NO LAW THAT SAYS

YOU GOTTA LEAVE A TIPPLAN TAX WITH SENSE

DON’T PAY EXCESS

The core of the Prudent Wealth methodology and the concept that guides the design of every level of the portfolio process is risk budgeting.

Prudent Wealth’s investment methodology revolves around establishing a risk budget for each client, which takes into account your individual financial goals, ability to handle risk, and overall investment time horizon. Once assigned, Prudent Wealth seeks to not overspend or under use your risk budget. Prudent Wealth’s Wealth managers then allocate your account by overweighting what we believe to be strong asset classes while pursuing to keep the risk level consistent.

Prudent Wealth understands that risk characteristics and volatility of investments vary, in different asset classes as shown in the diagram below:

Prudent Wealth believes that assets, due to their varying levels of risk and return, tend to behave differently in different market conditions, and that investments in a properly allocated portfolio should not all move in the same direction. Therefore, Prudent Wealth utilizes active asset allocation to manage client portfolios. Asset allocation is a portfolio management approach that attempts to balance risk and reward by allocating a portfolio’s assets among asset classes with varying levels of correlation. Portfolios are allocated according to individual goals, investing time horizon, and risk tolerance. Over the long term, asset allocation aims to maximize returns while minimizing risk.

ClientExpectations

Prudent Wealth’s RISK BUDGETING METHODOLOGY

CONSERVATIVE

AGGRESSIVE

BONDSEQUITY

Prudent Wealth Model Portfolio

Asset Allocation Asset Allocation % % AllocationType of Schemes

Equity

Debt

Cash & Equivalent

Gold

Large Cap

Diversified

Mid & Small Cap

Long Term Debt

Liquid Plus

Gold

20%

15%

15%

30%

10%

10%

50%

30%

10%

10%

Prudent Moderate Asset AllocationA Prudent Moderate investor is someone who wants a balanced portfolio to work towards their medium & long term wealth accumulation. They require an investment strategy that helps them with the effects of tax and inflation. Calculated risks are acceptable to them to achieve greater returns.

Asset Allocation Asset Allocation % % AllocationType of Schemes

Equity

Debt

Cash & Equivalent

Gold

Mid & Small Cap

Large Cap

International

Long Term Debt

Liquid Plus

Gold

30%

20%

20%

10%

10%

10%

70%

10%

10%

10%

Prudent Aggresive Asset AllocationA Prudent Aggressive investor is someone who is prepared to take high potential long-term gains Level of risk. Your investment choices are diversified but carry with them a higher security of capital is secondary to the potential for wealth accumulation.

Asset Allocation Asset Allocation % % AllocationType of Schemes

Debt

Equity

Cash & Equivalent

Gold

Long Term Debt

Short Term Debt

Large Cap

Liquid Plus

Gold

40%

30%

10%

10%

10%

70%

10%

10%

10%

Prudent Conservative Asset AllocationA Prudent Conservative investor is someone who wants better than basic Fixed Return, But Risk must be low, seeking protection of wealth from inflation. Typically retired investors and professionals; which he/she may accumulated & is prepared to consider less aggressive growth investment vehicle.

Prudent Custom Asset AllocationA Prudent Custom Asset Allocation is designed to fit customized requirement of investor for Higher potential returns with calculative Risk.

Active Asset Allocation Strategies:Prudent Wealth uses 6 different assest allocation strategy mix in a dynamic process, Which plays a key role in determining your portfolio's overall risk and return.

1. Strategic Asset Allocation2. Constant-Weighting Asset Allocation3. Tactical Asset Allocation

4. Dynamic Asset Allocation5. Insured Asset Allocation6. Integrated Asset Allocation

Risk of Underlying Assets Changes

Prudent Wealth believes that successful portfolio management needs to be anchored in a methodology that has a strong, quantitative discipline. We also understand that the market environment changes with time and that a methodology lacking flexibility will be rigid and slow. Prudent Wealth’s investment methodology is designed to allow your investment portfolio to adjust to the market environment while staying true to your individual risk budget.

For example, if stocks are riskier than normal, Prudent Wealth can reallocate a percentage of your portfolio to more conservative assets in an attempt to offset that increased risk and keep the portfolio in balance. If a particular asset class is showing less risk than it has historically, Prudent Wealth adjusts the risk level of this asset and analyzes whether its return potential is sufficient to warrant increased investment.

Attractiveness of Underlying Assets Changes

Markets change; they go up and down. As an active money manager focused on asset allocation, Prudent Wealth can adjust your portfolio holdings to reflect these changes while still seeking to keep you in your risk tolerance band. At Prudent Wealth, we are actively watching your portfolio. Since we know risk varies between asset classes, whenever necessary, we can adjust your account towards classes we see as having lower risk or superior return.

For example, when equities with risk lower than the benchmark are outperforming, Prudent Wealth can create a higher equity allocation in an attempt to take advantage of the opportunity.

There are two general reasons,Prudent Wealth makes changes within an investment portfolio:

Fund Selection Methodology

Quarterly Performance Evaluations & OverviewCommunication between you & your financial representative is important. Prudent Wealth will make available to you an individual Quarterly Performance Evaluation at the end of each quarter, which you can review to determine whether you are meeting your goals. The proposal will help you keep in mind your investment objectives, time horizon, and expected rate of return. You can also view the performance of your investment with your online login id on web at www.prudentwealth.in

Prudent Wealth will also make available to you their Quarterly Market overview, which contains information about the latest market and economic conditions.

Finally, we will also send periodic market reviews and commentary to you, to help you stay informed.

Risk ChangesPrudent Wealth uses a combination of multiple risk measures with quantitative inputs in conjunction with quantitative and qualitative investment analysis of asset classes to estimate risk and overall return potential of different schemes.

Calculating Asset Class RiskPrudent Wealth uses a combination of multiple risk measures and filters, designed to best analyze each security, since each risk measure will detect a different kind of change in an asset’s risk level.

A measure of the volatility, or systematic risk, of a security or a portfolio in comparison to the market as a whole.A measure of portfolio risk relative to the market’s total risk. Time period: measured weekly over the last year.Sortino ratio represents the returns a fund manager is able to get above thereturn that an investor expects in a risk free investment. It measures fund Managers skill in generating Alpha to the investor.A statistical measure that represents the percentage of a fund or security’s movements that can be explained by movements in a benchmark index.

Beta

Standard Deviation

Sortino Ratio

R-Squared

Risk Measures

Investment AnalysisThe goal of investment analysis is to analyze the attractiveness of an asset not only based on its risk, but also on the return potential the asset may bring to the portfolio. Consistent with our overall approach, Prudent Wealth relies on a set of quantitative inputs and qualitative evaluations of asset classes to estimate overall return potential. Prudent Wealth’s Wealth manager focus on five characteristics when analyzing the attractiveness of a security: economic, fundamental, statistical, technical, and valuation.

How asset gets affected by macro variables like economy, growth, inflation & interest rate.Asset-specific information such as business risk, earnings and expected earning growth.A measure of how assets move in relation to each other as well as during market declines.Information on market sentiment from pricing patterns of an asset over different time periods.

EconomicFundamentalStatisticalTechnical

Investment Analysis

Partnering usWe intend to provide our clients with the best-of-breed solutions for their specific investment requirements, commensurate with their risk profile and their return expectations even in the most complex environments. We believe in active management of portfolios to generate superior returns to relative to benchmark.

Our core strength is our expertise in managing strategies across asset classes and in-depth understanding of businesses with strong in-house and external research that provides depth and breadth of coverage, resulting in superior selection and recommendation.

So, partner us, and lets help each other in leveraging our expertise for wide range of Wealth Management solutions.

Our ExpertiesUnbiased product/Scheme recommendationsPersonalized Services to clients.Periodic In- house research sharing with Clients.Research based asset allocation/InvestmentDetailed Online Consolidated Portfolio View (which includes : Mutual Fund, Equity, Fixed Deposits, Post Office, Life Insurance, General Insurance,)

Periodic Analysis & Rebalancing of Investment.Real time Portfolio View Any time Any WhereE- Document

We intend to provide our clients with the best-of-breed solutions for their specific investment requirements, commensurate with their risk profile and their return expectations even in the most complex environments. We believe in active management of portfolios to generate superior returns to relative to benchmark.Our core strength is our expertise in managing strategies across asset classes and in-depth understanding of businesses with strong in-house and external research that provides depth and breadth of coverage, resulting in superior selection and recommendation.So, partner us, Andlets help each other in leveraging our expertise for wide range of Wealth Management solutions.

3rd Floor, City MallSevoke Road, Siliguri

E-mail : chandan.ghosh@prudentwealth.inWeb : www.prudentwealth.in

Mobile : +91 98320 70548

Des

ign

& P

rint

: GR

AP

HIX

, SLG

. # 9

9330

4955

2