Invest Yadnya is an online Financial planning portal that provides automated, algorithm-based Financial Plan creation & advice. Post Financial Plan creation, our experts can review your information and guide you with right assets and next steps (For Paid plan customers).
We rely on software to automatically allocate your wealth across different asset classes, and require minimal human intervention to serve their clients. The general principal behind this is that markets are fairly efficient (i.e. regular investors should not bother stock picking) and that the best way to ensure long-term growth in assets is through diversified, disciplined exposure to the broad market (not just equities - the full range of asset classes). But all this is not without Human involvement and review. We believe, investment recommendations cannot be completely automated and human touch plays a vital part.
It works as follows:
a. We determine your risk appetite and develops your investment profile. This is accomplished via series of questions on your age, tolerance for volatility, investment goals (eg. Retirement, child education etc) investment time horizon, current financial status etc.
b. Using this information as well as our expert`s view on portfolio theory, we then recommend a diversified portfolio of various asset class. This diversified portfolio can be a mix between equity funds, debt funds, liquid funds, small savings schemes, real estate, etc. The end result is that the final portfolio will reflect an asset mix that is customized for you and your investment goals.
For example, a new graduate saving for retirement will likely have a portfolio that is heavily weighted towards Equities (high volatility, higher expected return) due to this investor's (presumably) high risk tolerance and long time horizon. To contrast, a senior post-retirement will likely have a portfolio that is heavily weighted towards Fixed Income assets and dividend paying balanced funds (lower volatility, consistent income via. coupon/dividend payments) due to their (presumably) low risk tolerance, shorter time horizon and need for current income.
c. We also offer value added services such as only Portfolio review, complete financial plan review etc.
d. Once your Financial Plan is ready, you can buy the detailed plan report which gives detail information about your net worth, cash flow statement, goal planner, insurance planning and asset recommendations. You can also buy services of dedicated Financial adviser.
Overall, we employ software, modern portfolio theory, financial planning experience, detailed knowledge of our customers' individual preferences and the most important Human Touch to craft an investment portfolio best for you.
Our Financial Plan algorithms are based on best practices given by SEBI and FPSB India. All the programs and algorithms are prepared by SEBI Registered RIAs with large experience in Financial Planning. Programs and algorithm are specific to India geography and curated for Indian residents only.
Initial plan creation and basic advice is completely free. You will be need to pay for value added services like asset recommendations, portfolio review or plan review by a Financial adviser.
InvestYadnya recommends asset allocation based on your risk profile, current financial condition, your goals and time horizon. This asset allocation suits you the best currently. We do change the asset allocation as the time passes based on change in parameters.
Yes, advise will have more preference towards Mutual Funds because Mutual Funds are one of the least cost, most regulated, most diversified and most liquid asset available in the market. Yes, they are subject to market risk but which is asset it not? If you opt for Gold or Silver plan, you can get advise on Stock Market as well based on your current portfolio.
We have done a very detailed research on all the available Mutual Fund schemes. We review and rate them using our proprietary methodology and then select the best among them to give you the right fund. You can check more details about Mutual Fund reviews and methodology here - https://mfyadnya.in
No. We are pay only Financial Advisory company and do not act as distributor. You can invest in Mutual Funds through multiple portals such as mycams or MFU.
Majority of our advise is around Mutual Funds - Equity, Hybrid, Debt & Liquid. We also do provide direct equity recommendations but only for Silver & Gold customers.
Yes, we can help you in tax planning by suggesting tax efficient investments as well as how to file your income tax. Check our portal - https://TaxYadnya.in for all the details about Tax Planning.
We provide class room trainings and coaching sessions for individuals, corporates and educational institutions on various topics of personal finance like - financial planning, tax planning, Creating winning portfolio, Insurance Planning, Q/A sessions with experts etc.
If you have any specific financial query, you can always send an email to firstname.lastname@example.org too. If need be, our experts will call you or meet you to help you get out of your financial trouble.
Your data is very secure with us and we never share it with anyone outside our organization and partners.
Yes, you can take our Silver or Gold plan for dedicated Financial Planner. Details here - https://investyadnya.in/pricing