Your Dreams Into Action With FinEdge

Your Investment Experts

© We help you achieve what you want with your money. A personalised roadmap to help you meet critical financial goals like retiring comfortably, your kid's education & marriage, saving taxes and being financially free.

250+ mentions in media

1100+

Crores of goal based investments

1600+

Cities with our clients

19k+

Empowered Investors

WhyUs?

Dreams into Action (DiA) our proprietary investing platform helps you create a customized investment plan linked to your goals. DiA is a collaborative software which facilitates investment best practices, conversations and joint decision making to help you meet your goals as per your unique requirements.

People

People

DiA brings investment experts and investors together, encourages customisation, collaboration and joint decision making

Personalization

Personalization

DiA ability to hyper customise is the biggest contribution to investing success and a fantastic investing experience

Purpose

Purpose

Investing with purpose is an extremely powerful tool to disengage from excessive information clutter and deal with volatility better

Process

Building discipline and perseverance through regular conversations and scenario analysis, managing investment behaviours

Product

Aligning the right products to goals, deploying risk reducing investment tools like SIP’s STP’s, Step Ups and regular goal reviews

How Do We Make A Meaningful
Difference In Your Life?

Democratization of investment advice, uniformity in quality of advice

DiA - Hyper customized investment platform, putting people before products

Value system completely oriented towards putting client interest first

Investing with purpose = living with freedom

Productivity of technology & expertise of Investment manager

Fantastic relationships, driven by strong processes

True to label – no product targets, no revenue targets, Do what’s right for clients

No spamming, no marketing, no upselling of ‘other products’ – people you can rely on

Convert your Dreams into Actions

Client’s
Success Stories

At FinEdge it was always reinforced that these investments are linked to my goals and meant to be utilised a few years down the line

I started investing through FinEdge around 9 years back and back then had limited understanding on aspects of my personal finance. I wanted to start with my investments as at that point of time it seemed like the right thing to do. However, through this period of investing I realised that to invest is the easiest thing to do but to stay invested can sometimes be tough.

When I got into a detailed discussion with my Investment Manager, I started getting more clarity and understanding on my own personal finance. I created a goal for purchase of my house in Bangalore and started investing towards it. 

Pratheesh Gangadhar
Texas Instruments India Private Ltd.
Software Development Manager
Bangalore

As a single mother and to manage my finances well, it did require foresight and meticulous planning. FinEdge did just that!

In the midst of the pandemic in 2020 as chaos reigned supreme, I reached out to FinEdge to start off with a goal-based investment plan for my child’s higher studies. Interestingly, I did this as soon as I had applied for an adoption. My adoption formalities were in process but my child would only be with me in a couple of years, due to the time it takes for the process to come to conclusion.

My discussions with my investment manager at FinEdge mostly revolved around my goal to secure my ‘yet to arrive’ daughter’s education :)

Shabani Hassanwalia
Delhi

FinEdge has been instrumental in providing timely advice and making necessary adjustments to keep me aligned with my goals. With them, I've always felt like a valued client.

I'm Madhumathy Sundararaj, working as the Director of Recruiting at Tekarch, and I reside in the city of Coimbatore. Let me share with you my journey with FinEdge.
I am a young mother to my 8 year old son, Arjjun. My primary focus has been to securing his future, and for that I knew that I had to save and invest wisely. In the midst of it all and due to a life event, I had to stop my investments temporarily. However, I was determined!

And so I once again aligned my investments to my goals and objectives. My first and foremost goal was to ensure that Arjjun's higher education would be well funded. 
Together with FinEdge, we made an investment plan for this goal achievement. I was so happy to see my investments take shape and in sync with my son’s future.
I also realized the importance of planning for our own retirement.

Madhumathy Sundararaj
Tekarch
Director - Recruitments
Coimbatore

“What sets FinEdge apart is their commitment to doing what’s right for me.

My association with FinEdge has remained positive both in terms of my investments and the relationship I share with my Portfolio Manager. FinEdge has been an important partner to me and I would like to say that they do what is right for me. They don’t sell investments that don’t align with my goals, prioritizing my best interest.

My trust in FinEdge has grown and they have become partners for my goals and their achievement. My relationship with my portfolio manager has remained strong and I do share a level of trust with him. I particularly like the process followed by FinEdge for investing as I feel is well researched and adds value to me. Their investment platform called ‘Dreams into Action’ has been a very enjoyable experience. I have been able to visualise my investment roadmap so clearly on this platform. It has helped to me to set my objectives right and build an investment plan to meet these objectives.

I consider FinEdge more than a financial advisory firm, but a constant part of my life, always ready to offer a helping hand, provide sound advice and offer support in matters when needed. With FinEdge, I've found not only financial guidance but also lifelong friends!

Ankur Arya
Captain in Merchant Navy
Gurgaon

“I couldn't be happier with how my investing journey has turned out, all thanks to FinEdge and their incredible platform, Dreams into Action

I couldn't be happier with how my investing journey has turned out, all thanks to FinEdge and their incredible platform, Dreams into Action. Right from the beginning, I was determined and goal oriented, with a clear vision of what I wanted to achieve - saving for my children Bindra and Yuvraj's education and securing my retirement. Yuvraj's recent selection into the CSE program at IIIT Diu, was a moment of immense pride for our family. It was a testament to his hard work and dedication, and I couldn't have been happier. This success was not just his alone but was a result of our collective effort and sound financial planning.

For the coming year, Bindra is aiming high, with her sights set on the combined BBA+MBA program at IIM Indore. Her determination and focus are truly commendable, and it's heartening to see both my children pursue their dreams with such zeal. Throughout this journey, I have remained extremely focused in my commitment to our family's financial goals. I knew that achieving these milestones would require disciplined investing and careful financial planning. That's where FinEdge's Dreams into Action platform came into the picture.

Girish Kumar CSP
Silox India Private Ltd.
AGM HR, Admin & Security
Jambua, Gujarat

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Attain Financial Freedom

Frequently Asked Questions

In the end, the choice between direct and regular plans would depend on your individual investment savviness and your ability to navigate the long journey towards your financial goal achievement without support of an expert. Investing patterns studied over several years suggest that investors who remain invested and meet goals Vs investors who redeem mid way the difference often is an investment expert by your side. Unassisted investors end up getting 1/3rd the return in the long run as per a recent JP Morgan study.

Large investors often negotiate fees with their chosen advisors who then help them invest in direct plans. However, if the investment amount is less than 3-4 Cr the economies of scale favour investors who take help from an expert and invest in regular plans.

Direct mutual funds have been wrongly interpreted by many as a way to avoid professional advice. Nothing could be more detrimental. Professional advice is a must and the cost of the same can be negotiated depending on the investment volume.

The purpose of investing is to meet financial goals. Most of these goals will take many years and sometimes even decades to be met. Successful investing does not mean choosing the top performing fund, that in itself is easy, but to endure market volatility, build resilience and remain invested.

An expert will help you set the right expectations, align with the right processes, products and investing behavior over the duration of your investing journey. This is the secret to remaining invested and meeting your goals with the power of compounding.

An investing expert can make the difference between successfully meeting your financial goals or not. Remember, Investing is Easy, but creating wealth is not! The support of a qualified financial advisor can ensure that you not only invest in the right products, but with the right processes and mindset. As an investor, you should seek out the help of a qualified investing expert instead of taking financial advice from your friends and family, or from the internet or social media finfluencers.

A good fund manager or financial planner plays a vital role in the financial planning process! In the long run, “how you invest” matters a lot more than “where you invest”. Even the best investment planning processes fail to deliver results if the “human element” is not managed properly. The best financial advisor doesn’t just recommend the best investment plans or suggest market related portfolio changes – she also plays the role of counsellor or behavioural coach to ensure that you remain steadfast on your financial planning journey!

Most investors chase returns. However, that’s a race you can never win because returns are not controllable! The only thing that is controllable is “how” you invest – that is, your investing discipline, your resilience during volatile markets, and how you are able to control greed and fear driven decisions. One of the important aspects of financial planning is investing according to goals.
When you invest with clearly defined goals such as retirement, child’s education or marriage or a loan prepayment, you automatically become a much better investor because you stop getting swayed by market movements. Additionally, with a strong purpose guiding you, you become more disciplined with your savings as well.

The number one contributor to wealth creation from equities isn’t fund finding the top fund to invest, but ‘resilience’ - or the ability to continue investing small sums of money for the long term so that you can benefit from compounding in the long run. Constantly trying to predict the best performing fund will make you impatient and returns centric, and will reduce your investing resilience. To succeed with your investments, stop chasing that 1-2% additional return and focus on having a great investing process instead. That is, define your goals clearly, understand risk and reward, invest with the correct expectations, and maintain investing discipline and then arrive at the best mutual fund to invest in for your goals. If you do this, you can spare yourself the headache of trying to predict the top performing fund, and still achieve all your goals comfortably!

Unfortunately, trying to predict the best performing mutual fund every year is an impossible task. Let alone the best performing mutual fund – even the top performing category changes every year! In one year, large caps could outperform and small caps could be the winner in another year. Chasing returns and trying to predict the best mutual fund to invest now is a race you will never win. You should select a fund with a long term track record, that is closely aligned to your financial goals.

Retirement Planning is one goal in which you can truly reap the benefits of compounding. Even if you start at the age of 30, you will have three decades to build up a solid corpus for your retirement. The earlier you start, the lesser you will need to put away over time. Factors like inflation, retirement age, life expectancy and currently saved up retirement assets must be considered while drafting a retirement plan. Although the plan can always be revised later, it is very sensible to set up a clear goal post instead of relying on some arbitrary number like 1 Crore or 5 Crores.

The starting point for this important goal would be arriving at a target amount. While setting the target amount for Child Education Goal, make sure you don’t ignore the impact of inflation on the future value of the goal amount, as most people do. An amount that seems sufficient in today’s terms may prove to be inadequate when your goal date arrives. If you’ve got time on your side (for instance, if your child still has 7 years or more to go before her higher studies), go for SIP’s in aggressive small- cap or and mid-cap oriented funds, regardless of your risk tolerance. Don’t let risk aversion come in the way of your benefiting from the long-term compounding that could accrue from more aggressive funds, as volatility actually works in your favour over the long term.

Clearly identified goals should be at the core of your investing strategy. This means, every investing decision should begin by first visiting your goals and identifying your investing purpose.

Simply setting goals using a Do-it-Yourself app doesn’t make the cut as they are fairly superficial in nature and do not form the core of your investing strategy… meeting long term goals requires investing resilience. Many goal based plans end up biting the dust at the first sign of market volatility! This is how our unique goal planning platform – DiA (Dreams into Action) is different. It combined fantastic technology with the support of an investment expert, to help you build investing resilience and play the long innings.

Stopping and starting SIP’s continuously can prove extremely detrimental to your long-term returns. Doing this negates the compound effect and can potentially set you back by a large sum of money in the end. Therefore, it’s always best to start your SIP with a sum of money that is comfortable for you, and does not end up overstraining your finances.

Make sure you don’t let the flexibility of SIP’s work against you by taking them lightly, simply because they do not levy penalties or heavy exit costs. A disciplined approach to your SIP’s will go a long way in ensuring that you create wealth from them in the long term.

The solution to having a long-term SIP is to “invest with purpose”. When you have SIP’s with clearly defined goals, you automatically keep them running for longer through the ups and downs of markets because you are focused on the big picture

If you started your SIP from an investing app or from a platform such as BSE or NSE, it can only be stopped from there. Alternatively, you can write to your bank and ask them to cancel the NACH mandate that is associated with that SIP. If your SIP was started offline through physical paperwork, you could also stop it offline if that suits you better. To do this, you will need to fill out and submit a physical SIP stop form to the concerned authority of the AMC or the registrar (CAMS or Karvy).

One easier solution is to get a professional advisor and they can help stop your SIP’s and also go paperless in the future!

Your emergency fund should be kept in an easily accessible instrument such as an arbitrage fund, liquid fund or even a separate savings account. It is important to keep your emergency fund separate from your regular bank accounts that you use for your day-to-day cash management, as this will help you avoid the temptation to tap into it for non-emergency spending.

Today, you have tech platforms which enable paperless and seamless onboarding solutions to start a SIP. It’s never been easier to begin investing.
While starting investing is easy, creating wealth isn’t. Before you start investing, it’s critical that you get a customised investing plan made to suit your requirements and risk profile. Remember, an investment which might be great for one person can be an absolute disaster for another.
Starting a SIP is very easy, but to ensure that your SIP continues through the ups and downs of the markets, you should invest with clearly defined goals in mind and not in an ad hoc manner. An investing expert can help you define and prioritize these goals. Having set your goals, you are now ready to move forward! If you’re a first time investor, you will need soft copies of basic documents such as your PAN Card, Aadhar Card and a copy of your cheque with your name on it to complete your KYC (Know your Customer) formalities and get an investing account opened with a platform like BSE or NSE. With your goals defined, you can now proceed to start a SIP in the right fund that is best aligned to your goal tenor.

The best way to review your investment portfolio would be in sync with your financial goals. For example, if any of your goals are drawing close, a portfolio review could be used to put a structured de-risking plan in place. Similarly, if you have idle money lying in low-risk funds that will not be needed for the next 5-7 years or more, you could start an STP into an aggressive, high growth fund. Remember, a portfolio review should not be used to evaluate funds based on short term returns, as that can lead to unnecessary churning in your portfolio. Ideally, you should review your portfolio once a year or in case of a major life event that could impact your finances.

The most important point to keep in mind with respect to your short-term investment portfolio is to not take risks with your money. Remember, investing in high-risk assets like equities for short time frames doesn’t amount to investing, but to speculation. Restrict your short term investment portfolio to low risk assets like arbitrage funds, liquid funds or ultra short duration funds. If you have a slightly longer time horizon of 2 years or so, you could consider equity savings funds and conservative hybrid funds as well, but that should mark the end of the risk-taking spectrum for your short term investments.

The difference between ‘saving’ and ‘investing’ lies in the fact that investing would entail a certain degree of risk taking with the intention of earning higher compounded returns over long time frames. The act of saving, on the other hand, entails accumulating money safely for shorter term needs. Even putting money away in a piggy bank every month is an act of saving money, though not very value creating! The best fund for saving (not investing money) would be an equity savings fund, which provides a tax efficient way of potentially earning “fixed income-plus” returns, without taking a large risk on your capital.

One of the key mistakes people make is to plan their tax saving investments in an ad hoc manner, at the end of the year (once they get a reminder from HR!). However, the better approach would be to make your tax planning as part of the Financial Plan. Thereby, you can start a SIP in an ELSS Mutual Fund for a specific long term goal (such as retirement or your kid's education). By doing this you would be saving taxes and meeting your goals at the same time.

ELSS Mutual Funds are the best tax saving investment option, due to their relatively short lock in period and their high potential for wealth creation through systematic investing. In a nutshell, ELSS funds are a type of equity oriented mutual fund, with a mandated 3-year lock in. Most ELSS funds maintain diversified portfolios, with an even spread between various market capitalizations. The locked in AUM allows fund managers to take value-based calls in richly valued markets such as these.