Indices 2nd 31st Change

May May in (%)

2018 2018

The Stock MarketPerformanceDuring May 2018.

Sensex 35,176.42 35,322.38 0.41

MIDCAP 16,813.60 16,013.81 -4.76

SMLCAP 18,189.56 17,249.45 -5.17

BSE-100 11,108.66 11,040.77 -0.61

BSE-200 4,699.01 4,654.35 -0.95

BSE-500 14,964.72 14,765.69 -1.33

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 5

June, 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

2The Market Is At A VeryInteresting Crossroads Today

4Performance Of Select Funds

3Keep An Eye On CategorizationAnd Rationalization Of Schemes

Dear Investor,

The stock market remained volatile for most part of May

2018. Mid-cap and small cap stocks were impacted more

than their larger cap counterparts. While BSE mid-cap

index fell by 4.76 percent, the small cap index was down

by 5.17 percent. Although lower crude prices and stronger

rupee lifted the sentiment for a couple of days in the last

week of the month, the weak global cues and a sharp fall in

rupee snapped the winning streak. Besides, majority of markets in Asia traded

lower amid a deadlock in Italy over the government formation and the slide in

oil prices. Meanwhile, European stocks plunged on the back of developments in

Italy and that led to a fear of euro zone break-up risk in Italy and political turmoil

in Spain.

On the domestic front, elections in three major states followed by the general

elections in 2019 will have a significant impact on the markets. Some of the

other factors to watch for are inflation trajectory as well as the RBI policy

stance, managing of non-performing assets by banks, and high fiscal deficit.

GST collections have been a challenge for the government, except for April

2018 data, and if that continues, it could impact the fiscal deficit. This may force

the government to cut down on expenditure, in turn hampering growth.

It is quite evident that stock market is likely to remain rangebound for some

time. However, a normal monsoon could provide the required push to the

economy as well as the stock market. The IMD has made a forecast of normal

monsoon this year. In fact, the southwest monsoon hit Kerela three days before

its scheduled arrival. The onset of monsoon over the southern state marks the

commencement of the four-month rainy season in the country.

While the long-term bull run in the stock market remains intact, these bouts of

volatility can test the patience and perseverance of investors. Therefore, it is

very important to follow one's asset allocation and time horizon rather than

reacting haphazardly to the market movements. Remember, the volatility in the

stock is a natural phenomenon and the best way to tackle it is to continue your

investment process un-interruptedly in a disciplined manner.

Warm regards,

Hemant RustagiEditor

5Plan For Your Child'sRequirements Early

6It's Time To EmbraceFinancial Planning

June 2018 | Page No. 2

The Market Is At A Very Interesting Crossroads Today

On the one hand, we have some encouraging demand-pickup trends seen

through corporate results this quarter - with key trends including IT stocks

seeing scaling up of digital projects; FMCG, discretionary companies

highlighting improvement in consumer demand led by rural; cement stocks

reporting better-than-expected realization trends and retail private banks

seeing strong loan growth. However, on aggregate, a select set of companies

(corporate banks, pharma) dragged down the overall numbers. While the

Nifty 50 reported ~5% PAT growth YoY, excluding corporate banks (Axis and

SBI reported a combined quarterly loss of ~US$ 1.5bn on higher provisioning

for bad loans), the PAT growth was a respectable ~15.6%. Nifty 50 revenue

growth was a healthy ~16% YoY.

On the other hand, we have weak macros such as rising CAD, oil prices, bond

yields, inflation and a falling rupee. The macros weren't always bad though.

Since PM Modi took over in 2014, a lower CAD, controlled fiscal deficit, low

inflation, stable / appreciating INR among other factors helped the Sensex

rally ~50% and the small and mid-cap indices rally ~110% in INR terms.

However, the market in 2018 so far has been in a see-saw mode. The Sensex

hit a peak of ~36,200 in Jan 2018, dropped 10% over the next two months,

rallied 6-7% thereafter, and then corrected again. The small-cap and mid-cap

indices are down 15-20% from their peaks, while individual stocks have

fallen 30% or more in some cases.

Given our constant focus on fundamentals, we are using these corrections as

opportunities to re-evaluate our high-conviction positions and adding more as

appropriate. Buoyed by strong domestic flows, 2017 was a very healthy year

for equity markets across the board. In the coming months, we believe market

returns are more likely to be linked to earnings growth, given that valuations

are already above average. As seen over the last year, bottom-up stock picking

has created considerable alpha, and investors therefore may need to identify

the right combination of stocks and sectors that can outperform the broader

market.

Below are four key themes that we believe could drive growth in 2018 and

beyond:

1) Increase in per-capita GDP boosting the India consumption story – and a

consequent shift from unorganized to organized sectors.

2) Penetration of financial services (retail and corporate credit, insurance,

asset managers).

3) The next investment cycle led by govt. capex on Oil & Gas, Defense,

Roads, Railways, Urban Infra.

4) Export opportunities in segments vacated by China, such as textiles and

specialty chemicals.

Consequently, we are attempting to reflect these themes within our portfolios.

We like consumer discretionary (autos, white goods, consumer electronics

driven by housing for all, power for all and increased rural and urban

demand), private banks (driven by stable asset quality and consistent increase

in market share from state owned banks), selective stocks in cement

(infrastructure and housing focus), healthcare (more domestic oriented) and

gas utilities (governments focus on city gas distribution, improving

utilizations and demand) while having a cautious view on IT, telecom

(increased competition leading to lack of pricing power) and consumer

staples (valuation concerns).

On overall market valuations, if one compares the current valuations to 2007-

08 peaks, markets are certainly not outlandish on 12m forward PE (18.8x v/s

24.7x), 12m forward PB (2.8x v/s 4.2x), Market cap/GDP (90% v/s 170%) or

Corporate profits to GDP (3% v/s 8%). On a relative PB basis, large caps

appear more attractive versus small and mid-caps and hence we advise

investors to utilize SIPs while investing in the latter category.

Looking ahead in the short term, we believe investors will likely focus on the

RBI policy (5th, 6th June), GST collections, NCLT resolutions, domestic

fund flows, US Fed policy (12th, 13th June), oil prices, geopolitics etc.

Vinit SambreHead – Equities,DSP BlackRock

Investment Managers Pvt. Ltd.

Rohit SinghaniaCo-Head – Equities,

DSP BlackRockInvestment Managers Pvt. Ltd.

Mutual Fund investments are subject to market risk. Please read the offer document carefully before investing.

Page No. 3 | June 2018

Keep An Eye On Categorization And Rationalization Of Schemes

Mutual funds offer a variety of schemes that allow investors to invest in

different asset classes to build their portfolios for varied investment goals to

be achieved over different time periods. However, while selecting the funds

investors often face the dilemma of how to choose the right ones and in what

proportion. The over-lapping, both in terms of portfolio composition and

investment strategies, often makes it difficult for investors to make the right

decisions.

Realizing the challenges faced by investors in this process, SEBI has asked

mutual funds to categorize and rationalize schemes as per the norms

prescribed by it. The objective is to ensure that different schemes managed by

mutual funds are clearly distinct in terms of asset allocation and investment

strategy. SEBI has categorized mutual fund schemes into five categories

namely equity, debt, hybrid, solution oriented and other schemes. Each of

these categories has sub-categories and mutual funds are allowed to have only

one fund under each of these sub-categories except in the case of sector, index

and fund of funds.

The fund houses are in the process of implementing these guidelines and have

already announced the changes. In some cases, there is just a name change

whereas in others there are significant changes in investment strategies and

allocation to different segments of the market. Investors must carefully

analyze the changes to see how they are going to impact their portfolios. If

need be, they must take the help of their advisors to do so. They will do well

not to treat these as minor changes as some of them are likely to have a

significant impact on their investments, both in terms of potential of returns as

well as risk profile. This is also a good opportunity for investors to realign

their portfolios as the new categories and sub-categories provide lot more

clarity now.

Investors have an option to exit from a fund if they do not agree with changes

proposed by the fund house. This period is clearly mentioned in the

communications from the fund houses explaining the changes to investors.

However, one must consider tax implications of any decision to exit from a

scheme.

Clearly, the new guidelines will make life easier for mutual fund investors.

However, there could be to be some negative impact on the performance of

some sub-categories of funds. For example, the defined universe for mid-cap

st thfunds would be 101 to 250 company in terms of market cap. Considering

that a major differentiator between funds investing in this important segment

of the stock market is stock picking ability of the fund manager, lack of

flexibility in term of stock selection is likely to impact the performance. On

the other hand, small cap funds will have a larger universe as all the

companies beyond the top 250 companies in terms of market cap will be

considered as small cap stocks. Similarly for debt funds, while some of the

sub-categories clearly define the maturity duration of their portfolios and that

will make it easier for investors to choose the ones that match their time

horizon, in some of the sub-categories of debt funds the flexibility of the fund

managers has been curtailed.

As is evident, the categorization and rationalization of the schemes will go a

long way in allowing investors to choose their options well. Remember, a

good start to investment process lays the foundation of investment success.

However, monitoring the progress of the portfolio at regular intervals will

remain an important activity so as to ensure that it remains on track at all

times. Simply put, it would be prudent to have an investment plan as well as a

strategy in place to implement it. Those investors who don't realize the

importance of this process usually would fail to achieve much from their

investments.

This process will ensure that investors don't feel compelled to abandon their

long-term investment plan when faced with vagaries of the stock market.

Remember, ad hoc decisions can seriously dent the chances of creating

sufficient corpus for some of the critical long-term goals such as children's

education and retirement planning.

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

Dalal Street Investment Journal dated May 14 - 27, 2018).

June 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 May 25, 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.

DEBTIncome, Short Term & Ultra Short Term Funds Funds Launch 1 Mth* 3 Mth* 6 Mth* 1 Year* 2 Year** 3 Year** 5 Year**ABSL Short Term Opportunities Fund May-03 -0.03 0.92 1.28 4.93 6.96 7.59 8.56ABSL Dynamic Bond Fund - Retail Plan Sep-04 0.06 1.26 -0.98 1.43 5.50 6.50 7.68ABSL Medium Term Plan Mar-09 -0.01 1.23 1.85 5.63 7.74 8.39 9.13HDFC Credit Risk Debt Fund - Regular Mar-14 -0.23 0.68 0.81 4.37 7.25 7.98 —Kotak Income Opp. Fund Regular Plan May-10 0.02 1.07 1.94 5.29 7.60 8.13 8.24Invesco India Short Term Fund Mar-07 -0.17 0.84 1.11 4.13 6.32 6.55 6.86Reliance Credit Risk Fund Jun-05 -0.05 0.95 1.62 5.32 7.40 7.87 8.33SBI Magnum Income Fund Nov-98 -0.27 0.33 -0.07 2.95 7.55 7.52 6.51L&T Credit Risk Fund Oct-09 -0.10 0.95 1.75 5.38 7.69 8.09 8.37BNP Paribas Flexi Debt Fund Sep-04 0.02 0.74 -0.31 2.61 6.75 6.85 7.36BNP Paribas Low Duration Fund Oct-05 0.23 1.38 2.65 6.06 6.74 7.14 7.70Kotak Treasury Advantage Fund Aug-04 0.36 1.68 2.99 6.44 7.08 7.49 8.09L&T Ultra Short Term Fund Apr-03 0.34 1.69 2.95 6.52 7.14 7.57 8.19Kotak Banking and PSU Debt Fund Dec-98 -0.05 0.89 1.40 4.81 7.05 7.48 8.15

EQUITY FUNDSDiversified Fund Launch 6 Mth* 1 Year* 2 Year** 3 Year** 5 Year** 7 Year** 10 Year** 15 Year**ABSL Frontline Equity Fund Aug-02 -1.36 9.14 15.70 9.84 16.62 14.34 12.79 22.09ABSL Equity Fund Aug-98 -0.59 11.28 20.99 13.70 21.78 16.50 12.11 24.26Franklin India Prima Plus Fund Sep-94 -2.10 8.22 13.32 9.15 18.52 15.06 13.06 23.17HDFC Equity Fund Jan-95 -5.65 7.40 19.67 9.68 16.47 12.43 13.44 23.49HDFC Top 100 Fund Sep-96 -4.76 6.16 18.09 9.36 14.79 11.86 12.24 22.93HSBC Large Cap Equity Fund Dec-02 1.28 11.06 17.18 10.29 14.34 10.76 7.89 21.34ICICI Prudential Bluechip Fund May-08 -0.10 12.95 18.66 11.09 16.63 14.25 — —IDFC Core Equity Fund - Regular Plan Aug-05 -2.00 10.85 20.28 11.64 15.93 12.47 8.69 —Kotak Bluechip Fund - Regular Plan Dec-98 0.13 8.62 13.88 8.81 14.68 12.33 9.45 21.25Kotak Standard Multicap Fund Regular Sep-09 -1.27 9.00 19.71 12.80 20.31 16.55 — —L&T Equity Fund May-05 2.29 11.80 18.79 9.95 17.37 13.51 12.69 —Motilal Oswal Multicap 35 Fund Apr-14 0.84 13.78 23.75 15.29 — — — —Reliance Large Cap Fund - Retail Plan Aug-07 -3.00 10.94 19.43 9.78 17.81 14.36 11.39 —Invesco India Contra Fund Apr-07 2.86 19.98 24.19 15.44 23.87 17.20 15.57 —SBI Bluechip Fund Feb-06 0.23 10.84 14.69 10.75 17.78 15.68 11.60 —

Sector, Specialty & Tax SavingCanara Robeco Consumer Trends Sep-09 4.99 17.53 23.14 14.20 18.34 16.27 — —HSBC Tax Saver Equity Fund Jan-07 -3.69 7.50 18.03 11.59 17.20 15.04 12.59 —ICICI Prudential Infrastructure Fund Aug-05 -7.02 6.72 18.10 7.80 15.38 9.37 6.31 —Kotak Infrastructure and Economic Feb-08 -7.38 6.77 18.05 11.44 20.56 13.15 9.46 —Reliance Banking Fund May-03 0.63 11.39 26.00 14.59 18.09 15.62 17.28 —Reliance Pharma Fund Jun-04 -0.51 14.24 2.41 0.40 14.17 13.86 18.88 —Axis Long Term Equity Fund Dec-09 6.76 20.74 19.45 11.47 22.92 19.91 — —HDFC Taxsaver Fund Mar-96 -7.93 4.37 19.37 8.84 17.01 12.39 12.75 23.46IDFC Tax Advantage (ELSS) Fund Dec-08 1.46 20.46 24.58 13.15 21.74 17.57 — —Reliance Tax Saver (ELSS) Fund Sep-05 -14.76 0.67 15.00 6.75 19.46 15.91 14.26 —

Midcap & SmallcapDSP BlackRock Midcap Fund - Regular Nov-06 -0.66 10.25 23.05 16.77 25.68 18.64 17.08 —Franklin India Smaller Companies Fund Jan-06 -1.39 13.12 21.01 15.92 29.06 23.18 18.17 —HDFC Mid-Cap Opportunities Fund Jun-07 -1.91 12.47 22.72 14.84 26.00 20.55 19.13 —HSBC Small Cap Equity Fund May-05 -2.40 19.38 22.82 15.58 28.74 17.61 10.48 —Kotak Emerging Equity Scheme Mar-07 -2.05 12.05 21.52 15.34 26.16 20.40 13.38 —L&T India Value Fund Jan-10 -4.04 9.28 22.57 15.22 25.01 19.41 — —Reliance Multi Cap Fund Mar-05 -4.42 10.70 16.53 7.04 16.77 14.73 14.78 —SBI Magnum Global Fund Sep-94 -2.63 16.56 14.14 8.52 20.37 17.52 13.80 27.44

HYBRIDEquity, Debt Oriented & Multi Asset ClassABSL Equity Hybrid '95 Fund Feb-95 -1.48 8.47 14.64 10.47 16.62 13.82 13.35 19.83Canara Robeco Equity Debt Allocation Feb-93 1.71 9.73 15.90 9.93 16.29 13.88 12.93 19.16DSP BlackRock Equity & Bond Fund May-99 -0.58 7.30 15.76 10.92 16.06 12.46 11.44 18.63HDFC Balanced Fund Sep-00 -1.53 8.78 16.24 11.12 18.77 14.95 15.25 18.97HDFC Prudence Fund Feb-94 -5.99 4.41 16.86 9.86 16.16 13.09 14.21 20.99ICICI Prudential Balanced Advantage Dec-06 1.27 9.28 12.63 9.27 14.21 13.63 11.56 —ICICI Prudential Equity & Debt Fund Nov-99 -2.27 7.89 16.90 11.11 17.48 15.71 12.60 18.30Kotak Equity Hybrid Fund - Regular Nov-99 -0.73 5.45 13.66 9.10 12.35 11.42 9.34 17.08L&T Hybrid Equity Fund Jan-11 0.35 9.01 16.04 10.97 18.26 14.98 — —Reliance Equity Hybrid Fund Jun-05 -1.56 10.48 15.82 11.32 16.89 14.24 14.23 —SBI Equity Hybrid Fund Dec-95 0.26 14.49 14.69 9.77 16.94 14.75 11.80 20.87Tata Hybrid Equity Fund - Regular Plan Oct-95 -0.95 4.99 10.66 6.37 15.60 14.18 12.81 19.98Axis Triple Advantage Fund Aug-10 3.24 9.66 9.68 6.90 8.52 8.80 — —HDFC Equity Savings Fund Sep-04 -0.22 5.43 14.11 10.00 10.51 9.88 9.80 —Kotak Equity Savings Fund - Regular Oct-14 2.24 8.74 9.79 7.86 — — — —Reliance Equity Savings Fund May-15 -0.02 6.69 10.60 — — — — —

Arbitrage Funds Funds Launch 3 Mth* 6 Mth* 1 Year* 2 year** 3 Year** 5 Year** 7 Year** 10 Year**ICICI Prudential Equity Arbitrage Fund Dec-06 1.41 2.88 5.78 6.10 6.15 7.35 7.74 7.29IDFC Equity Savings Fund - Regular Jun-08 0.82 1.96 4.74 5.63 5.71 6.73 7.10 —Invesco India Arbitrage Fund Apr-07 1.42 3.01 5.88 6.04 6.14 7.04 7.37 6.94Kotak Equity Arbitrage Fund Regular Sep-05 1.43 2.96 6.14 6.20 6.29 7.37 7.75 7.38

Dividends declared by equity and equity-oriented funds duringthe month of May 2018 Scheme name Date Dividend declared in ̀ Per unit

ICICI Pru Equity Income Fund-RP (MD) 03/05/2018 0.09

ICICI Pru Balanced Adv (MD) 03/05/2018 0.09

ICICI Prudential Equity & Debt (MD) 03/05/2018 0.20

ICICI Prudemtial Equity & Debt - D (MD) 03/05/2018 0.18

ICICI Pru Dynamic Plan (D) 09/05/2018 0.20

DSP BR Tax Saver Fund - Regular (D) 11/05/2018 0.45

Kotak Equity Savings Fund - Regular (MD) 15/05/2018 0.05

Invesco India Dynamic Equity (D) 17/05/2018 0.21

Kotak Equity Arbitrage - Regular (FD) 22/05/2018 0.06

L&T Large and Midcap (D) 23/05/2018 0.21

L&T India Hybrid Equity Fund (D) 23/05/2018 0.11

HDFC Arbitrage Fund - WP (QD) 24/05/2018 0.05

ICICI Pru Equity-Arbitrage- RP (D) 24/05/2018 0.05

ABSL BAF (D) 25/05/2018 0.12

HDFC Prudence Fund (D) 25/05/2018 0.27

Page No. 5 | June 2018

Plan For Your Child's Requirements Early

Nothing brings more joy to a family than birth of a child. In fact, the

excitement and expectations start building up as soon as the pregnancy is

confirmed. As expected, the adequate precautions are taken about the diet and

health of the mother to be. However, very rarely do we see parents to be

focussing on financial implications of this very important event at an early

stage. It is estimated that parents spend around 70 lakhs on child from

conception to college education. Needless to say, inflation will add to the cost

going forward. The cost can be even more if the child either goes for education

abroad or decides to go for a professional course.

Hence, parents would do well to start planning much before the child is born

so as to ensure that they neither face any financial stress nor compromise on

any aspect of this very important goal of their lives. Here's what they need to

do.

Maternity Insurance

It is important for every pregnant women to get the best care during and after

the pregnancy. However, medical facilities and childbirth has become a costly

affair. Therefore, it would be prudent to accumulate a large enough corpus to

take care of expenses during this entire period. One of the options is to a buy a

maternity insurance, which is usually provided as add on or rider on health

insurance policy. However, the premium for maternity insurance is higher on

account of almost 100 percent claims ratio. Group insurance policies also

offer maternity coverage with a sub-limit of up to ̀ 50,000, which must to be

considered while buying maternity insurance.

Considering the high premium, it may actually be a wise decision to plan early

for covering maternity expenses rather than paying high premium for low

coverage under maternity insurance. If one does decide to buy maternity

insurance, it must be done at an early stage as there is waiting period of 2 to 6

years as well as a pre-existing clause.

Spend carefully during child's early years

It is common to see parents spending a lot of money on buying expensive

clothes, shoes and toys even at a very early stage of the child. While the urge to

see a child wearing fancy clothes and be surrounded by fancy toys is

understandable, it is of little importance to babies who grow very fast.

Needless to say, parents could use this money for essential expenses like baby

food as well as diapers and save some money in the process.

Similarly, parents spend a lot of money on birthday celebrations even when

the child is small. Considering that child can't appreciate this gesture of the

parents at such a young age, it does nothing more than making the parents

happy. This money, if kept aside for important goal like child's education, can

reduce the financial burden on parents considerably.

Follow a goal-based investment approach

It is evident that putting some money aside much before the chid is born goes a

long way in building the corpus required to cover initial expenses as well as

for future needs. In fact, while doing so, it pays to plan separately for regular

expenses and for the lump sum required mainly for education. By following a

goal-based approach, it becomes easier to ascertain the time horizon, corpus

required and how to invest to achieve that target. One mustn't forget to

consider inflation while setting the target for long-term child related goals.

For example, while planning for child's higher education, the rate of inflation

should be considered at around 10 percent. Hence, the current cost of ` 50

lakhs for education is likely to grow to ̀ 1.50 crore after 15 years. To achieve

this target, a monthly investment of 22,000 pm has to be made through SIP in

equity funds over the next 15 years. If parents are not in a position to invest the

required amount, they must begin with whatever amount they can and made

every effort to increase it as early as possible to cover the gap. Besides,

investing in efficient investment option like mutual funds provide flexibility,

liquidity, variety, right level of diversification in the portfolio and healthy

returns.

June 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