HFI does not aim merely to tell the investors how to invest their money in stocks, get into mutual funds, buy properties or to take insurance covers – there are any number of individuals and firms doing that on the Civvy Street. This venture is about ethical life-stage personal financial management which is absolutely goal-based and does not aim to sacrifice today for tomorrow. So, once an individ
ual has decided to subscribe with us, we go into the details of his present financial profile to include what financial assets he holds today, what are his income inflows and expenditure outflows, what are his liabilities and what are his present and future financial requirements. Then we look at his future requirements by analysing future money inflows (pay etc), risk capability and aptitude and the biggest of all, what DREAMS does he have for future. With these inputs, a customised personal financial strategy is made for him, recommending how he should go forward to achieve his dreams financially. This recommendation will be in the form of a detailed analysis running typically into 60 – 80 pages wherein his present investments and their positive and weak aspects will be analysed, his future requirements will be discussed and how he would be able to meet all his financial goals starting from today, given out in the form of a roadmap. After the strategy preparation, HFI also undertakes investments – plans, implements and most importantly, monitors, the investments primarily in mutual funds and property, apart from getting them complete financial protection. However, if somebody does not require or desire such an elaborate analysis, we have all the expertise and systems in place to directly go to the second step, ie, going in for investments in Mutual Funds and/or real estate. As far as Mutual Funds are concerned, we not only suggest, invest and monitor all your investments, we also make available an online login to you so that you can see the latest state of your investments 24X7 from anywhere in the world.
