Dilzer Consultants - Investments and Financial Planning

An ISO 9001 (2008) Certified Company



Dilshad Billimoria on #ETNow #TheMoneyShow

Watch me on ET Now, #themoneyshow answering queries from investors. #DilzerConsultants. Many thanks to #ETNow for the opportunity, looking forward to more such stimulating sessions!



Financial Planning Standards Board of India Dilshad Billimoria July 2014 Insurance Regulation and Change


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Investors seek advice and want their financial advisors to be in touch with them

11_big Dilshad is a CFP and the Founder of Dilzer Consultants, Bangalore. Her firm provides Professional Investment Advisory and Financial Planning Services. She believes that by providing personalized and consistent service, quality advice, and ‘advice always in the interest of the client’, ensures long and fruitful relationships with clients. In the true spirit of her commitment, she conducts open discussions to first understand what is important to the client and then find solutions to their financial position. She is also on the Executive Committee of the Council of Financial Planners – South Chapter and a Volunteer at Spastics Society of Karnataka. She provided financial literacy to women as part of the “Winvestor” forum (a DSP Black Rock Initiative for helping woman on basic financial questions) and has also been selected as part of the expert panel of Outlook Money Magazine to answer investor queries.

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Plot or a house?


Which is a better investment in property: Buying land or buying a residential house? asks a client

This is a very broad question!

Firstly investing in property “for investment purpose” should be considered diligently. Property growth as an asset class has been stagnant for the last 3 years especially in bangalore.

Second, when someone measures returns in property, it is crucial the time period of realisation of profits is considered to calculate returns. If your money has doubled in property in 7 years, well, nothing great, so has your Mutual funds and maybe equity.

Since there is no performance matrix in real estate, and since there is no daily/ weekly or monthly performance review(like financial assets) it is indeed difficult to track/ monitor growth.

Investing in property from the point of asset allocation(diversification) is good and care should be taken not to over invest in this asset class.

The objective of asset allocation is to ensure there is sufficient diversification among asset classes in an individuals portfolio to ensure an average return is met in differing market cycles and thus goal realization is achieved.

Since the property sector is not regulated by a regulator in India, like SEBI for Equity and investment products or IRDA for insurance, there is no scope to protect the downside risk or address grievances for customers except court notices which take years to get addressed!

Land as an investment would serve well in terms of appreciation.

There is a concept of depreciation which occurs in apartments, due to wear and tear/ maintenance costs and general upkeep of the property, like plumbing, painting etc.

However, the legal problems that come with land/ plot investments are far higher since the clearances/ titles and location, type of land, BDA/BBMP/BAYAPA/Revenue/ commercial approvals make the khata and registration process a nightmare.

Therefore, all this needs to be considered along with services of a property lawyer before a decision to buy land or apartment is made to check its authenticity.

Dilshad Billimoria

Chief Founder and Financial Planner.

Dilzer Consultants(ISO 9001(2008) Certified Company.

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Asset allocation holds key to returns


Source: IRIS (14 May 2013)

”My grandparents always believed property and gold were the two best and only investments one needs to possess.” Haven’t we heard this many a time, especially from senior people who have disposable income, but keep buying more properties?

Sometimes, these people even consider taking loans at 60 years of age to acquire a property for their golden years. Why? To earn a rental income as a source of retirement inflow?

Nothing can be further from the truth on the myth about real estate and gold being the best investment avenues.

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Double indexation benefit on FMPs

Source: IRIS (25 March 2013)

With interest rate volatility, Fixed Maturity Plans or FMPs have been a safe alternative investment option for investors seeking “almost assured yields” for a fixed time horizon, much like fixed deposits but far more tax efficient and therefore, more return efficient.

Why is there a rush towards FMPs mainly in March every year? There is a double indexation benefit that one can claim for the gains accrued on the FMP at the time of sale, by reducing the long term capital gains tax outflow.

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Annual goal review and its importance

Source: IRIS (22 March 2013)

Doesn’t your doctor advise an annual medical check every year? Just to ensure things are fine, your heart still beats; and to rule out the onset of any dreaded disease.

That is exactly what an annual goal review covers in your financial plan.

Annual goal review is normally done once a year, where all the goals identified by the client and designed to accomplish by the financial planner, needs attention, and whether everything is on track for the BIG goals that are planned for.

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Financial freedom starts with small goals: Billimoria

Source: IRIS (18-FEB-13)


In an interview with Shweta Dhoka of Myiris.com, Dilshad Billimoria, certified financial planner, Dilzer Consultants, says, ”Investing without a goal, is like driving without a destination in mind (or a headless chicken). It can be fun for sometime, but it leads to frustration, lack of discipline, no long term focus and ultimately defeats the purpose of investing.”

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Capital Asset and How Capital Gains Tax with indexation can be of help to you.

Source: IRIS (02 January 2013)

Capital Asset: This is an Asset that is not easily sold in the regular course of business operations for cash. Examples include land, buildings, and machinery that cannot be quickly converted to cash.

Capital Asset is any Asset held by the Income Tax Assess but does not include:

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Source: IRIS (13 December 2012)

Dilshad Billimoria

Since the full amount invested upto Rs 1,00,000 is eligible for 100% tax deduction benefit. This investment is reduced from your Gross Income and therefore, can reduce your tax slab and therefore tax liability. The benefit is a deduction and not a rebate, so, in effect, the entire amount saved is tax deductible.

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Myiris.com Article published on Understanding Returns on your funds

Understand your returns
Source: IRIS (12-NOV-12)
For investors, returns are the key indicators of their investment performance. But how many of us really understand the returns and their underlying purpose? In mutual funds, NAV is the basic element used in calculating the returns because it keeps varying from one point of time to other. Thus, the purchase and sale value of investment is derived by multiplying the units purchased with NAV for respective period i.e. purchase date and sale date. For a layman, surplus earned over and above the principal is often termed as returns.

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