Dilzer Consultants - Investments and Financial Planning

An ISO 9001 (2008) Certified Company

   SEBI REGISTERED INVESTMENT ADVISOR

Media

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!

 https://lnkd.in/fkfFAKM

 

Annual goal review and its importance

http://www.myiris.com/financial/storyShownew.php?dir=2013/03/22/&fileR=20130322151844715
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.

Read more »

Financial freedom starts with small goals: Billimoria

Source: IRIS (18-FEB-13)

http://myiris.com/newsCentre/storyShow.php?fileR=20130218104809718&secID=sector&dir=2013/02/18&secTitle=Sector%20Stories

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.”

Read more »

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

http://www.myiris.com/financial/storyShownew.php?dir=2013/01/02/&fileR=20130102132753715
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:

Read more »

TAX PLANNIG AND TAX SAVING OPTIONS

http://www.myiris.com/financial/storyShownew.php?dir=2012/12/13/&fileR=20121213114804717
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.

Read more »

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.

Read more »

Understand Your Returns

http://www.myiris.com/financial/storyShownew.php?dir=2012/11/12/&fileR=20121112094943715

Source: IRIS (12 November 2012)

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.

Returns are often termed in value and percentage change, for instance, investment of Rs 10,000 appreciates to Rs 15,000 during the term of 3 year of value. It means that principal has appreciated by Rs 5,000, while in terms of percentage change, its 50% appreciation. But, can we term this percentage change as the only method to gauge the performance of mutual fund investments. No. Read on…

Different ways of calculating investment performance.

Read more »

Women and financial planning

http://www.myiris.com/financial/storyShow.php?fileR=20120903093011715&dir=2012/09/03

Source: IRIS (03-SEP-12)

Why financial planning

Like most people, you have hopes, dreams, and life goals for yourself and your family. These might include buying a home or business, saving for college education for your children, taking a dream vacation, reducing taxes, and retiring comfortably. Financial planning is the process of wisely managing your finances so that you can achieve your dreams and goals – while at the same time helping you negotiate the financial barriers that inevitably arise in every stage of life.

Managing your personal finances is ultimately your responsibility. However, you don’t have to do it alone. A qualified financial planner, such as a Certified Financial Planner (CFP) professional, can help you make decisions that make the most of your financial resources.

Read more »

Health insurance need

http://www.myiris.com/financial/storyShow.php?fileR=20120813123108715&dir=2012/08/13

Source: IRIS (13-AUG-12)

Why is having a health insurance policy important?

The need for a Health Insurance plan and more so, a personal health plan, independent of the company benefit insurance, is very important, and very often, people who get whisked into a hospital realize it’s importance, albeit vey late. 

Read more »

How should advisors relook at client portfolios

http://www.myiris.com/financial/storyShow.php?fileR=20120615095218715&dir=2012/06/15
Source: IRIS (15-JUN-12)

So, once you have met a client, created a financial plan and recommended asset classes and investment products commensurate with his/ her goals,  executed the same, is that the end of the story, till his goal has been met? CERTAINLY NOT.

Although, we provide a blue print of clients, finances, assets, liabilities, net worth, cash flows, and life goal needs, these figures are likely to change very often. In fact, every year a financial plan review/goal review should be undertaken to understand the desired recommendations and actual investment performance, and whether both are aligned and need fine tuning.

Read more »

The Importance of Making Wills

http://www.myiris.com/financial/storyShow.php?fileR=20120615100716715&dir=2012/06/15
Source: IRIS (15-JUN-12)

Would you like to distribute your financial and non financial assets to the person of your choice or just create trouble among the family members.

Currently, the majority of disputes in the court are due to ambiguity on distribution of assets among heirs and this leads to long drawn legal battles.

In the absence of a Will, your assets would be distributed based on Personal Law, which will determine the distribution of your personal assets, irrespective of your choice. That is called “dying intestate

Read more »

Page 10 of 12« First...89101112