Before you accept the projection
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Somewhere you have a sheet with a number at the bottom that made the plan feel settled. Scroll back up it. There is a percentage in a small box near the top, and it was probably chosen by whoever built the sheet.
Change that box and the number at the bottom is a different number.
A situation described for illustration. Not a client record.
Some plans are highly sensitive to the return assumption
Lowering that assumption can reveal how much of the plan depends on it. Two plans can show the same comfortable total and behave completely differently under testing.
The same plan, at a lower assumption
Carried mainly by the amount being contributed and the years available. Reduce the assumed return and the target date slips a little.
The same plan, at the original assumption
Carried by the assumption itself. Reduce it by the same amount and the shortfall is large enough to change what the money was for.
Both descriptions are of one plan re-run, not of two products. No rate is stated here, because a rate printed on a page is the thing being questioned.
You cannot tell which one you are holding by reading the final figure. You can tell by re-running it.
How do you know whether an investment plan is realistic?
Run the same plan again at a lower assumed return and compare the three outputs — the shortfall, the date, and the monthly amount that would close it. If a modest reduction in the assumption changes the answer substantially, the plan is leaning on that assumption, and the fix is the amount or the date.
What testing looks like here
At FinEdge the plan is modelled at more than one assumption before it is presented, and the less flattering version is put in front of you first. The modelling is technology- and AI-supported and reviewed by your Investment Manager before you see it. It is not a forecast and not a prediction: it shows how one plan behaves under different assumptions, and the choice of which assumption to plan on is yours, stated openly.
What we can state about ourselves, and what we will not
That same habit applies to what we tell you about ourselves. FinEdge has no office in Tiruppur, and the work reaches you over video, phone and email rather than across a desk.
What we can state
- An investor in Tiruppur works with a dedicated Investment Manager.
- The modelling, the written plan and the scheduled reviews described above are the same ones delivered here, over video, phone and email.
What we will not claim
- Any local presence, office or representative in Tiruppur.
- Any expected return, for this plan or any other.
- Any outcome for you drawn from another investor's experience.
If a claim about us cannot be evidenced, it should be treated exactly the way you should treat a projection you cannot re-run.
What changes when the test fails
The lever is the contribution or the date. A different fund is not a repair for a plan that leans on its assumption, because changing the holding does not change how much of the outcome was being carried by an input nobody tested.
Who chooses the assumption
You do, and it is recorded in writing. Our part is to show the plan at more than one, and to say plainly which one you chose to plan on.
What this page will not give you
No expected return. No illustrative rate presented as likely. No market view. Mutual fund investments are subject to market risks, and past performance is not indicative of future results.
What this page leaves to other pages
This page is about testing an assumption inside a plan you already hold. Building the requirement the plan is for — the cost, the date and the monthly amount — is separate work, and the closing action below is where it is done.
Examining the method rather than the marketing
An outside historical view of how the engagement method works.
If you would rather examine the method than the marketing
If you want to examine how FinEdge's engagement method has been independently documented rather than described by us, the IIM Calcutta teaching case provides that outside historical view.
FinEdge's client-engagement method written up as an academic case study at IIM Calcutta — written in 2018 and publicly launched in 2019.
Read the IIM Calcutta case studyDocumented academic attention only. It is not an endorsement, and it validates no result, product or return.
Re-run the sheet you already have
Take the projection you already have, lower the assumed return by a couple of percentage points, and look at what happens to the date. If the answer changes more than you expected, the conversation worth having is about the amount and the timing, not about the fund.
The question this page hands on
Investors elsewhere arrive at this same question differently, and the other guides in this decision family are grouped under investors across India.