Service 04 of 08
Goal Planning
Every goal gets its own number, timeline and portfolio.
The Service
What this actually solves.
A home down payment in four years and a child’s wedding in fifteen cannot share one portfolio. We map each goal to its own inflation-adjusted target, deadline and asset mix — then fund them in order of what matters most.
Who this is for
House, car, school admissions — several goals competing for the same salary, needing sequence.
Good savings, no structure. You want each rupee assigned a job and a deadline.
A wedding, a sabbatical, a second home — one number you refuse to miss.
What’s Included
Six things you can hold us to.
Every engagement is documented — you will always know what was recommended, why, and what happens next.
Start the Conversation- 01Goal inventory and prioritisation
Every goal listed, costed in today’s rupees, and ranked — because funding order matters as much as amount.
- 02Inflation-adjusted targets
Each goal grown to its real future cost, using inflation assumptions appropriate to that goal.
- 03Per-goal asset allocation
Short goals lean to stability, long goals to growth — the timeline decides the mix, not the mood.
- 04Required-SIP calculation
The exact monthly amount per goal, with a step-up path if today’s surplus is not yet enough.
- 05Glidepath to each deadline
Money shifts to safer assets as each goal approaches, so the final year is never left to the market.
- 06Progress dashboard reviews
An annual sit-down showing each goal’s funded percentage — and what to adjust.
1 goal, 1 plan
Blending every ambition into a single portfolio is how the important ones quietly get underfunded.
Our Approach
How the work unfolds.
01
List
Every goal, its year, and its cost in today’s terms.
02
Fund
A dedicated SIP and asset mix assigned per goal, by priority.
03
Track
Yearly progress reviews, with course corrections in writing.
Common Questions
Asked before most first meetings.
As many as you genuinely have — most families land at four to six. The discipline is in prioritising them, because a rupee sent to a lower goal is a rupee taken from a higher one.
That is normal, and the plan says so honestly. We fund the top priorities fully, start the rest with smaller step-up SIPs, and scale as income grows — rather than underfunding everything equally.
Generally no. Goals within about three years belong in stable, low-volatility instruments. Equity earns its place in goals five or more years away, where time can absorb the swings.
Ready to talk about goal planning?
A first conversation is free and obligation-free. We will tell you honestly whether this service is what you need.
Book a Consultation