A Financial Plan provides a generic direction to your cash flows over a period of time. Your future financial condition may alter due to changes in income/expense patterns, new family commitments, macroeconomic scenario etc. which may prompt you to alter some aspects of your goals and add new goals.
Therefore the Financial Plan and the Cash flows depicted in it should be used to give you a long term direction for managing your personal finances while taking immediate actions as a step towards accomplishing your financial objectives.
Please refer to our Letter of Engagement for more details and terms of contract.
Recommendations are subject to review at the time when you are actually taking action as recommended, because of changes in legal circumstances, economic conditions etc. If considerable time has elapsed since the date of this plan, you should not act on any specific recommendation without further consideration with the planner.
Returns from each recommended investment will vary in line with market conditions and investment policies of the fund manager or the underlying investment structure.
Assumptions are intended as a guide only and should be treated with caution.
Tax details change from year to year, based on Budget and Finance Ministry Guidelines. All recommendations, therefore, should be checked, considering tax implications.
The planner should not be held responsible for the accuracy of the same.
Please do not consider our plan as legal or accounting advice. Most equity/ growth investments are long term in nature and significant variations including capital loss, may occur over shorter periods. Neither the authorized representative nor the company guarantees the performance or return of capital on any of these investments.
Performances of investments are subject to market risks. Past performances of a particular asset class or investment may not be the true indicator of their performance in future.
Recommendations are based on the information you have supplied. If any material information has been withheld or any inaccurate, the recommendations could prove to be inappropriate for you.
An Investment Policy Statement, is always provided with every financial plan, detailing the goals, time horizon, benchmarks, time horizon and recommendations specific to the client.
Validity clause for recommendations made is present, and the client should not consider the same advice beyond validity period.
All Investment Recommendations are made in writing and the client, should confirm action on the same, as proof of concurrence.
While we have made every attempt to ensure that the calculations contained in the Financial Plan are correct and complete, kindly note the plan may contain inaccuracies or errors due the manual-computer interface involved in making the calculations and we expressly exclude liability for any such inaccuracies or errors. In the case where a error or omission is involved, you can request us to rectify the error or omission, we shall do needful.
Views on the market are generic views of Dilzer Consultants Pvt Ltd, and Dilzer Consultants has no privy to information in the market.
All recommendations made are based on independent research and the directors have no stake, or Benefit in specific companies.
Markets are subject to vagaries and volatility, and the views expressed above will change over time. The planner should not be held responsible for the accuracy of the same. Most equity investments are long term in nature and significant variations including capital loss, may occur over shorter periods.
It is important to read the risk factors, scheme information and disclosures of every product recommended.
Neither the authorized representative nor the company guarantees the performance or return of capital on any of these investments.
All recommendations made are backed by research from an external research agency and data is validated. It is at the discretion of the client to implement the Recommendations made by the planner through the distribution arm of our company.
The Planning and distribution arm, are two separate identifiable entities.
If you buy any products from us, that include, mutual funds, insurance, WILL creation, and other products, the distribution arm will earn a commission on the same. The commission rate varies with each product manufacturer and is different for different products.
In addition, the distribution arm, may earn soft benefits of travel and stay at the cost of product manufacturers.
Our advisory team, has the necessary certifications of AMFI, IRDA, for the products that are being recommended.
We do not claim to have expertise on all products, however, we will study the details of every product and state the pros and cons of investing in it.
We may showcase our client’s recommendations on social media, like facebook, linkedin, website (www.dilzer.net)
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