| Wealth Advisory Service
Financial Health Diagnostics
We understand your needs
Three Step Process
Our Offerings
Exclusive Access
Why ASK Wealth Advisors |
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FINANCIAL HEALTH DIAGNOSTIC |
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 inancial Health Diagnostic follows the process of financial planning. It is the process of meeting your life goals through proper management of your finances. All of us have financial goals; it could be buying a home, saving for children's education, planning for retirement or just plain wealth creation and management. Whatever these goals, financial planning provides direction and meaning to all of your financial decisions and allows you to understand how each financial decision you make affects your life goals. With a solid financial plan in place, you can adapt more easily to life changes and feel more secure that your goals remain on track. |
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THREE STEP PROCESS |
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| Step 1 |
Financial Health Diagnostics: This step consists of making a customized financial plan for a client. Some of the key outcomes of doing a diagnostics are mentioned below
- Client risk profiling
- Financial goals analysis
- Cash flow and net worth analysis
- Current vis-à-vis suggested asset allocation comparison
- Cash flow projections
- Estate planning and risk management
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| Step 2 |
Portfolio Consultation: This is a step where a detailed existing portfolio review is done. Recommendations are given based on our analysis of the portfolio. Some of the key outcomes of consultation have been mentioned below
- Sectoral and stock level analysis on equity portfolio
- Debt portfolio analysis
- Proprietary rating analysis on existing mutual funds in the portfolio
- Goal based recommendation of asset allocation
- Recommending insurance plans as per insurance needs
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| Step 3 |
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Implementation & Monitoring: This step essentially involves construction of recommended investment portfolio. The portfolio is continuously tracked to keep a check on recommended asset allocation for a client. Rebalancing of portfolios, where there is deviation from recommended allocation is achieved through system driven alerts and triggers. Tactical (short term) and strategic (long term) calls are taken on client portfolio through active portfolio management
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OUR OFFERINGS |
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 t ASK Wealth Advisors, we offer you a complete range of solutions that complement our advisory services. The range includes a combination of best of breed proprietary and non proprietary (third party) products. The approach is to recommend you product solutions within your overall asset allocation in an unbiased manner after evaluating all the options available in the market. |
| RANGE OF SOLUTIONS |
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Mutual Funds
Mutual Funds form an integral part of every client's investment portfolio on both the debt and the equity side. Mutual fund investments enjoy certain distinct advantages; diversification of assets, professional expertise, liquidity, low cost through economies of scale, safety and transparency.
Having said that, it is important to seek the help of a financial advisor who can assist you in making the right choice of mutual funds at an acceptable level of risk that help you meet your life goals. The advisor will ensure that you remain true to your asset allocation at all times through proper rebalancing and readjustments to your portfolio.
At ASK Wealth Advisors we classify and recommend mutual funds across the following categories:
- Fixed Income Fund
- Hybrid / Balanced Fund
- Diversified Equity Fund
- Large Cap Equity Fund
- Midcap / Small Cap Equity Fund
- Theme / Sector Based Fund
Our research methodology
The graph below depicts our approach to recommending mutual funds:  
We follow a proprietary mutual fund rating methodology, validated by CRISIL, before giving our recommendations on any MF. Our methodology consists of a detailed Quantitative and Qualitative analysis to rank funds in their respective peer set. The scope of analysis includes:
- The Fund Houses
- The Mutual Fund Scheme – Quantitative analysis
- The Fund Manager – Qualitative analysis
After this, an overlay of forward valuation of the fund & estimation of future growth potential is undertaken, for recommending funds.
Model Portfolio offering
This forms a part of the ASK's Wealth Management service. It is a concentrated portfolio of mutual funds across equity and debt. It is customized keeping in mind your risk profile and the time horizon for which you would want to stay invested in the portfolio. It is suited to meet various investment objectives.
Benefits of having ASK as your Mutual Fund Advisor
- Client has access to analysis on wide range of mutual funds floated by all AMCs in the market, both on the debt and equity side
- Continuous tracking of mutual fund portfolio performance which helps in weeding out underperforming funds and also spotting opportunities to enter good funds
- Portfolio trigger and alerts generation ensures asset allocation is maintained through periodical rebalancing of portfolio
- Quarterly updates on portfolio and fund performances to keep a check of where your investments stand
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Portfolio Management Service
At ASK Wealth Advisors we offer portfolio management services that create portfolios customized to your unique needs. We offer a wide range of investment strategies for your portfolios, both on the equity as well as the debt side depending on your investment profile.
ASK Edge - Equity
When it comes to investing, individuals and corporations have unique needs based on their own objectives and risk profiles. We recognize this, and manage equity portfolios to achieve specific investment objectives. The ASK EDGE – Equity is a equity portfolio management service offered through our group company ASK Investment Managers
While there are many investment avenues such as fixed deposits, income funds, bonds, it is equities, which typically outperform other investments over a longer period of time.
Investing in the right equities, however, takes expertise and time. It is not as straight forward as putting money in a bank or fixed deposit. Equity values are affected by a host of factors like economic trends, political considerations, interest rates, inflation, etc. We believe equity investing is rewarding, if done right. Proper planning and discipline are needed to achieve this.
Our offering is ideal for High Net Worth individuals, NRIs and Indian Corporates who are interested in:
- Investing in Indian equities
- A personalized investment program
- Long-term wealth creation
- A high level of service
Investment philosophy
ASKIM'S time-tested investment philosophy revolves around two key aspects; Capital preservation and generation of positive, absolute returns. The endeavor at all times is to preserve and then grow your portfolio. The philosophy is characterized by a focused and disciplined approach to long-term investing into undervalued businesses, run by people of integrity, vision and competence.
The goal is not necessarily to outperform a rapidly rising market, but to avoid the troughs in a falling market. The approach ensures that your investments outperform the market with superior positive returns for both the rising and the falling periods combined.
This is achieved by constructing a well-defined, focused portfolio of not more than 20 stocks representing quality businesses enjoying sustainable competitive advantage. While doing so, they adhere to the discipline of buying and selling at well-defined price points, based on the underlying fair value computation.
ASK EDGE – Debt
'ASK EDGE' - Debt is a discretionary debt portfolio management service offered through a leading third party investment manager which provides intermediation services in corporate bonds, non-convertible debentures, Government securities etc. This product provides an opportunity for you to realize a steady income stream, capital appreciation or total return depending on your investment objectives. 'Debt PMS' is suitable for all types of clients: conservative, cautious, balanced, assertive and aggressive.
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Risk Management
“ ASK Shield” provides you the means of accessing a comprehensive suite of best-of-breed insurance solutions that exist in the market. The unique advisory provided through “ASK Shield” is cutting edge and customized to your requirements.
- Being neutral advisors we offer you an unbiased approach to insurance planning
- Our robust in-house research, evaluates the product features, pricing and services of multiple insurance providers.
- Our pioneering innovative approach to insurance planning quantifies your insurance requirement, provides a gap analysis on your existing insurance and makes recommendations on future insurance
There are various categories of insurance products available to cover the different types of risks:
- Life Insurance
It is extremely important to plan for any risks to life and the resultant economic loss to ensure that the lifestyle of your loved ones is not affected.
- General Insurance
If you want to protect your possessions or anything you value, you should look at General Insurance options.
- Health Insurance
It is important that you have planned for unforeseen expenses on account of illness or injury and are able to avail of the best possible medical care.
- Business Insurance
It is more important now than ever to protect your company's financial stability through professional, financial and managerial insurance.
Our services
- Assessing and analyzing your current situation
- Understanding and stating your life goals
- Providing risk management solutions for what is of utmost importance to you
Assistance in claims process
- We pro-actively inform you about reporting requirements
- We have created the infrastructure and relationships to smoothen the documentation, communication and transaction related processes
- A personalized relationship approach
- We are there to facilitate easing of any complexities during the claims process
- However, the claim payout is at the sole discretion of the insurer
The cost to you
Our service is at no additional cost to you. The premiums we quote are the same as those quoted by the insurers.
Who regulates us?
The above services are offered by our group company ASK Insurance Broking & Risk Management Services Limited, which is regulated under the laws of the Insurance Regulatory & Development Authority of India (IRDA).
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Alternate Investments
ASK Wealth Advisors provides advisory on the following alternate investments.
Product Composition
The Structured Products offered by us are based on the Bond+Option model. These are passively managed debt instruments wherein returns are linked to the performance of another asset class viz equities, equity indices, commodities etc.
Comparison with other products
The ability to customize structured products helps in altering the linkage between risk and return to your advantage. Strategies used in structured products are designed as per your specific needs and risk profile.
Rationale for investing in structured products
- Principal protection
- Portfolio diversification
- Passively managed hybrid instrument
- Enhanced returns within an investment
- Reduced volatility (or risk) within an investment
- Alternative to direct investment into an asset class
- Better returns than pure debt instrument investments
- Investment strategy as per your specific view on the asset class
- Instrument can be customized as per your view on the market, tenor, principal protection, return expectation etc
- They can be customized to meet specific investment objectives such as asset class exposure or principal protection
- These products can be used as a strategic investment for risk mitigation or return enhancement or both
Real Estate
Real Estate as an asset class helps you diversify the risk in your portfolio. Historically real estate reflects a negative correlation to equity and other asset classes. Real Estate investments have the potential to provide stable returns even in a highly volatile environment. Your Real Estate Advisor will offer you the best in breed investment services in the following areas:
- Direct Realty Investments
- Pre-Leased Assets
- Realty Funds
- Structured Realty Investment
Art Advisory Services
Investing in Art needs a high degree of sophistication and understanding of the risks involved. With the right strategy these investments can yield superior returns and can be an ideal tool for diversification considering their low correlation with traditional asset classes. At ASK Wealth Advisors we have created a panel of experts who have a sound background of art investments (advisory and dealing). These experts would create an art portfolio by mapping your risk profile to the art works and work closely with our advisory team to evaluate your art holdings in the overall context of your investments across asset classes.
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Wealth Solutions
Succession planning and Trust Services
- Services offered through tie-ups with Leading Law Firms (LLF), via the use of Trusts and Wills
- Offer the whole range of services - structuring of the trust to achieve settlers objectives, initiate registration of trust, opening of bank accounts followed by day to day management of the trust
- Objectives addressed are Investments, Succession Planning, Charitable causes/Philanthropic activities, Education of children, Medical expenses, Marriage, Holiday expenses, foster care, etc.
Tax Advisory Services
- Services offered through tie ups with leading Tax Advisory Service firms (TAS) in relation to the Income-tax Act, 1961
- The endeavor would be to provide a tax compliant and cost effective solution that fits in to your long-term investment strategy
- We aim to proactively provide you inputs on new ideas and initiatives from Indian Tax laws and other regulatory perspective
- This would be based on understanding of your investment strategy involving the use of innovative financial instruments for risk management and tax planning
- We provide you a platform for exchange of views and an interaction with leading tax experts, vet the regulatory and tax implications on your business strategies and views and respond to your specific tax queries on an ongoing basis
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EXCLUSIVE ACCESS |
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| s a ASK client you get access to the full resources of the ASK group, resources usually reserved for some of India's and world's leading institutional investors. These include in-depth equity research and access to leading portfolio managers, both proprietary and non proprietary. Benefit from the insights of specialists whose expertise includes the full spectrum of private wealth management. |
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BECAUSE YOU COME FIRST |
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| OUR VALUES |
- Clients always come first - our consultative approach is customer centric and not product centric
- Client data confidentiality
- Partner our clients through good and bad times and through all the stages in their lives
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| PEDIGREE AND EXPERIENCE |
- Our 25 years experience in Capital Markets
- Expertise in Investment Advisory and HNI relationship management
- Our strong research infrastructure
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| OUR PHILOSOPHY |
- Long term and disciplined approach to investments
- Developing and maintaining respectful and productive relationship with our clients
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| A PARTNERSHIP BUILT ON TRUST |
- Our clients turn to us as their trusted advisors to identify, create and implement investment strategies that address their unique needs of wealth management for creating wealth, while caring for intergenerational wealth transfer. Although we pride ourselves on the breadth of our expertise and capabilities, it's our principles of client focus and integrity that enable us to build a strong partnership with our clients
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Careers
f you are someone who has already achieved some measure of success, you know that strategy and success must go hand in hand to build a strong and secure financial future. In fact, managing one's financial affairs to meet future needs is one of the most challenging tasks of a lifetime. Money isn't everything, but having control and confidence about how you are managing it can allow you to concentrate on other things like your family, your business, your career and your future. As you strive to establish a secure financial future, how do you know you have done enough?
o be a successful long-term investor, it is imperative to not only design a well-balanced portfolio of investments, but also to maintain the correct asset allocation within the portfolio. It has been observed that Asset allocation contributes 95% to a portfolio's returns. Asset allocation too is a function of the risk appetite and goals of a client. Hence, under this service, we help you create the right asset allocation and diversification strategy based on your investment and risk profile.
t ASK Wealth Advisors, we believe that a sound financial plan is fundamental to achieving your life's goals and enhancing your quality of life. It is a systematic and disciplined process, to be pursued over the long term. For us it begins with listening to our clients, understanding their current financial profile, long-term financial goals, and creating a financial plan that best meets their needs. To create a robust financial plan it is important that we understand your needs.
