FAQs

1. Differentiation and Services

1. What sets you apart from other financial advisors in the market?

We have been in the industry for more than 24 years building expertise in creating, preserving and growing wealth for our clients. We aim to understand the specific financial needs, challenges and goals of our clients and offer customised financial plans and investment strategies. We have a dedicated financial planning team, a Research Team and an Operation team for each client to personally oversee the portfolios regularly and keep them updated with the market and industry trends, regulations and opportunities in any particular sector.

VALUES : We value our clients and put their interest in the forefront. Their integrity and fiduciary capacity are of paramount importance to us. We cut the jargon and deliver what we promise

TRUST : We walk our talk and practice what we preach. We are transparent about our services, fees, what we can deliver and what we cannot. Hear what our clients have to say.

PROCESS DRIVEn : We are more about being solution centric than product centric. Our strategies are practical, realistic and timebound. Our methods and processes follow SEBI RIA guidelines.

COMPETANCY : We recommend solutions after an in-depth analysis of investment options based on scientific data. Every recommendation that we make is backed by research and data, helping us suggest options that are cognizant of our client’s risk tolerance.

TECHNOLOGY Driven : Our Reporting and Financial Plan Platform thrives on technology making risk profiling accurate to enable better decision making, with robust, comprehensive and up-to-date reporting.

CREDIBILITY : There is no shortcut to success. Our credibility comes with our Director, Dilshad Bilmoria ,who is a panel member of Outlook Money. She has also won the Best Woman Financial Advisory Award 2018 and 2019 - All India. She is a regular columnist at MINT, Outlook Money, Financial Planning Journal, myiris.com and has authored many articles on her blog.

2. What services does Dilzer offer?

Dilzer Consultant Pvt Ltd offers a comprehensive range of financial advisory services designed to help clients build, manage, and protect their wealth. Their services are tailored to meet the unique needs of individuals, families, and businesses, and they cover multiple aspects of personal and financial planning. Below are the key services that Dilzer Consultant Pvt Ltd provides:

1. Financial Planning & Goal Setting
2. Investment Advisory & Portfolio Management
3. Wealth Management & Preservation
4. Insurance & Risk Management
5. Tax and Estate Planning
6. Retirement Solutions
7. Corporate Advisory for Businesses
8. NRI Financial Services
9. Philanthropy and Social Investing
10. Ongoing Monitoring & Portfolio Review
11. Loan against services

2. Value of Advice

3. Why should I pay for advice?

Paying for financial advice at Dilzer Consultant Pvt Ltd can offer several advantages, especially when it comes to personalized, professional, and trusted financial guidance. Here are some key reasons why paying for advice is beneficial:

1. Expertise Experience & Certification
2. Personalized Financial Planning
3. Comprehensive Services
4. Objective Advice
5. Ongoing Support
6. Risk Management
7. Research-Driven Approach
8. Holistic Wealth Management
9. Cost-Effective in the Long Run
10. Accountability and Transparency
11. Sounding board
12. Clear Road map with course corrections

4. Can you assist me in evaluating my current investment portfolio?

Yes we offer Wealth Management as a service that analyses your current investments, based on the below parameters & suggest recommendations

1. Asset Allocation : What percentage of your portfolio is in stocks, bonds, mutual funds, real estate, etc.?
2. Investment Goals : Are you focused on long-term growth, retirement savings, tax savings, or wealth preservation?
3. Risk Tolerance : How do you perceive your risk (conservative, moderate, aggressive)?
4. Time Horizon : When do you plan to use these investments (short-term, medium-term, long-term)?
5. Current Performance : How are your investments performing relative to your expectations or benchmarks?
6. Tax Considerations : Are you utilizing tax-saving instruments like ELSS, PPF, or NPS?

5. In the event of an unforeseen circumstance, what is the expected timeframe for the return of my funds?

It depends on the type of funds. For Liquid Funds, it would usually take T+1 days and For Equity Funds, it would take T+4 days. For any bank issues or repatriation issues, our Operations team would work diliigently by coordinating with the respective banks and required compliance forms.

6. What is the process you follow for fee-based clients and distribution clients?

Key Differences Between Fee-Based and Distribution Clients:

4. Execution and Portfolio Review

This is subject to internal poloicy gudelines for review and subject to Portfolio details

7. Can you only provide advice, and I execute on my own?

Yes this is possible - however, the advisor will not be able to make tactical and strategic changes, due to lack of raw data needed every month for analysis

8. Does one need to review their portfolio, and how often? Why?

Yes, it’s important to review your portfolio regularly. Here are some reasons why and how often:

1. Performance Monitoring : Regular reviews help you assess how well your investments are performing compared to your goals and benchmarks.
2. Rebalancing : Over time, asset allocation can drift due to market fluctuations. Reviewing your portfolio allows you to rebalance it back to your target allocation.
3. Goal Alignment : Your financial goals may change due to life events (like a new job, marriage, or retirement). Regular reviews ensure your portfolio aligns with your current objectives.
4. Market Conditions : Economic conditions and market trends can impact investment performance. Staying informed allows you to make necessary adjustments.
5. Tax Implications : Reviewing your portfolio can help you manage tax liabilities, such as capital gains taxes, by making strategic decisions about buying or selling assets.

Frequency of Review

Quarterly : A good rule of thumb is to conduct a thorough review every three months.

Annually : An in-depth annual review is also beneficial to reassess your overall strategy and goals.

5. Qualifications and Team Expertise

9. Are your advisory team members certified and qualified?

The advisory team members have completed their CFP certification, as well as the NISM 10A and 10B exams, and each has at least two years of experience in the financial planning field.

10. What drives us to serve you?

1. Commitment to Financial Well-being
2. Building Trust and Long-term Relationships
3. Providing Clarity in Complex Financial Matters
4. Making a Positive Impact
5. Continuous Learning and Growth
6. Solving your problem as if it were our own

11. How has Dilzer helped clients?

Writing down goals in order of priority and year of achievement provides a structured approach to managing your finances. Classifying these goals as short-term and long-term, along with investing regularly according to your risk tolerance, can help reduce financial anxiety. Our expertise combining Financial Life Plannig is a value addition to understand ones Purpose in life

6. Financial Planning Assistance

12. How does our financial planning help?

Writing down goals in order of priority and year of achievement provides a structured approach to managing your finances. Classifying these goals as short-term and long-term, along with investing regularly according to your risk tolerance, can help reduce financial anxiety. The process follows an internationally followed 6 step methodology from Data Collection, Understandig client needs, Analysis of the assimilated data, Recommendations, Implientation & Regular Mornitorig & review

13. Can you evaluate and advise on my earlier investments?

Yes, we will do a complete evaluation of your existing investments based on the scientific research methodology which we follow & continually improve upon. On evaluation, we will also provide BUY/HOLD/SELL recommendations along with clear rationale along with Qualitative & Quantitative Aspects.

7. Company Information

https://dilzer.net/our-services

14. What is the mission and vision of Dilzer?

Our mission is to enable our clients to achieve their goals by providing the best in financial guidance, and maintaining the strictest possible standards with close and interactive engagement.

Our vision is to provide holistic wealth management solutions to individuals and families, focusing on long-term financial success, security and growth.

15. How do fee-based advisors differ from agents?

Fee-based investment advisors charge a fee based on the amount of the investor's assets they manage, taking into account the investor's specific needs and the recommended investment products. In contrast, agents sell investment products and earn a commission on each sale.

16. Why should I choose Dilzer?

Choosing Dilzer Consultants Pvt Ltd offers you a distinct set of benefits designed to provide personalized, transparent, and comprehensive financial planning services. Here are some reasons to consider:

1. Client-Centric Approach
2. Holistic Financial Planning
3. Transparency and Ethics
4. Experienced and Qualified Team
5. Ongoing Support and Relationship Focus

17. What fees are associated with becoming your client?

Financial Plan and Wealth Management differs depending on the investment options and services opted.

18. How does the referral system work at Dilzer?

In the dilzer referral system the idea is to leverage personal and professional relationships through satisfied clients who are willing to introduce family, friends and colleagues. We at dilzer operate on a pure “trust based” model, relying on our quality of service.

19. What is the minimum investment to get started with Dilzer?

1. Mutual Funds: The minimum investment is typically around ₹50,000 per month SIP & Lumpsum investment of Rs 10,00,000
2. Comprehensive Financial Planning: If you're seeking holistic financial planning services (including retirement planning, tax planning, risk management, estate planning, etc.), the minimum investment requirement could vary depending on the scope of services. In many cases, clients may need to have at least ₹10 lakh to ₹25 lakh in investable assets to engage in comprehensive wealth management.
3. Portfolio Management Services: The typical minimum investment for PMS (Portfolio Management Services) with us starts at ₹50 lakh.

20. What are the touchpoints with Dilzer for me as a client?

The various touch points or channels through which clients can engage with our services are:

1. Initial consultation: Typically in person or virtual consultation to understand the current financial situation and risk tolerance.
2. Financial Planning Session: Detailed one-on-one sessions where the client works closely with the assigned financial planner. These sessions focus on developing customized financial strategies based on specific goals (retirement, education, investment planning, etc.).
3. Regular Portfolio Reviews: Ongoing touch points where clients’ investment portfolios are reviewed to ensure they are aligned with the client's financial goals. This includes assessing asset allocation, performance, and making adjustments as necessary.
4. Email and Phone communication: For ongoing support, clarifications, and updates. Clients can reach out to their financial advisors or support teams for questions, insights, and guidance between meetings.

8. Investment Advisory and Research

We follow a detailed investment Advisory process with Risk mitigation measures

21. How can Dilzer be a one-stop financial advisor for me?

Wealth Management, Comprehensive Financial Planning , Estate Plannig, Tax Planning, Insurance Analysis, Risk profiling, Asset Allocation, Life Planning & Financial Counselling completes a 360 degree approach to ones finances along with ones Purpose in life.

22. What are the ideal certifications and qualifications that differentiate SEBI RIAs?

The ideal certifications and qualifications that differentiate SEBI-registered Investment Advisors (RIAs) include NISM Series X-A and X-B Certifications and Certified Financial Planner (CFP).

23. What investment advisory services that Dilzer offers?

We offer Financial Planning and Wealth Management, this comprises a range of investment services, including mutual funds, direct equity, insurance, estate planning, taxation, and real estate advisories.

24. When does a direct or regular plan work for me?

The choice between a Direct Plan and a Regular Plan in mutual funds depends on your preferences and financial strategy: Regular Plan: No additional advisory fees are charged, as the advisor's commission is built into the expense ratio of the fund. Direct Plan: You will pay advisory fees separately, depending on the advisory services you opt for and the nature of your investments. A careful analysis based on your investible surplus needs to be done with analysis of ones fee applicable. This will differ from investor to investor.

25. When do financial planning or wealth management services work for me?

If you want to have a detailed understanding of your finances such as Assets Liabilities Cashflows Loan repayment, goals then financial planning suits you.

Incase you want to invest your surplus money or Lumpsum Money or just grow or preserve your wealth, Wealth Management suits you.

26. How can I schedule a meeting with Dilzer?

You can connect with us in many ways

Email: business@dilzer.net

Get in touch section of our website www.dilzer.net

Chatbot section of the Website www.dilzer.net

Book An Appointment via our website at https://dilzerconsultantspvtltd.zohobookings.in/#/dilzerconsultantspvtltd- Dilshad Billimoria

27. What is the research methodology you follow at Dilzer?

At Dilzer, we employ a comprehensive research methodology that combines Fundamental analysis Management background, sectoral analysis, pricing power. This balanced approach allows us to identify optimal investment opportunities and strive to deliver the best possible returns for our clients. We have an investment framework and an IPS that we share with our clients on our investment Philosiphy

28. Do you have model portfolios? What if I need a customized portfolio?

Each client is unique. Therefore our Asset Allocation models are an outcome of Risk profile, Investment Objective, time horizon & Investor Prespectives.

29. How are you different from a robo-advisor?

We differentiate ourselves from robo-advisors by offering personalized, comprehensive financial planning. Unlike automated systems, we consider various factors such as your unique financial goals, risk tolerance, and any potential gaps in your financial planning and management. This individualized approach allows us to tailor strategies that evolve with your specific needs, providing a more holistic and adaptive service than a robo-advisor. Further Life goals & being a sounding board with a course correction are activities only humans can perform!

9. Insurance and Advisor Qualities

30. What is the ideal insurance need for me?

Insurance neeeds are based on client age, needs, income, lifestyle, circumstances and differ from client to client.

31. What qualities define a good financial advisor?

A good financial advisor should have good experience working with clients by prioritizing their best interests. They should Fiduciary Interest of the Client, Experience, Expertise,Credibility, Performance, Long term Relationship Building.

32. What is a CFP and SEBI RIA, and how will it help me?

33. How should I select a financial advisor?

A Financial Advisor will provide Unethical unbiased Fiducary Advice to the clients, always in their best interest. A SEBI RIA should have the comptance, experience, clarity, qualifications and certifications as specified by SEBI Guidelines of RIA regulations.

10. Client Interaction and Confidentiality

34. Do you also help with implementing a financial plan?

Yes, we will help with implementing the recommendation, reviewing the portfolios and monitoring the % of goals achieved

35. I’d like to speak with some of your existing clients to know about their feedback— is it possible?

Yes references and resoruces will be provided to help you make an informed decision

36. What is the medium of communication or meetings you follow?

We arrange in person meetings at our office, & online meetings

37. Is my data confidential and kept safe?

We follow encryption and data provacy for our clients.

38. I'm an NRI. How can I enroll with you?

Please go through below link:

https://dilzer.net/nri-corner

39. Where do you look for a trustworthy and certified or SEBI-registered advisor?

You can find a trustworthy certified RIAs on SEBI website

40. What is the maximum fee a SEBI RIA can charge for AUA and fixed fee model?

The maximum fees that may be charged under AUA mode shall not exceed 2.5 percent of AUM and under Fixed Fee Model it shall no exceed 1.50 L p.a.