The abundance of advice, products, funds, and advisors in the market can make it overwhelming for a new investor to start their investment journey. Understanding one’s risk appetite and circumstances is crucial before making decisions. Consulting an experienced advisor who has navigated the markets for 25 years can help present various possible outcomes. Here are three case studies of our clients.
1. A Fiduciary Approach for a Widow Seeking Security
One of our clients, a 45-year-old widow, approached us after receiving ₹1 crore in insurance money during the COVID-19 pandemic. She initially considered fixed deposits for security, but a bank sold her an unsuitable insurance policy. When she came to us, we provided transparent fiduciary advice and guided her to better options.
We introduced her to conservative hybrid and balanced funds and, after a year, set up a Systematic Withdrawal Plan (SWP). This approach offered better post-tax returns than fixed deposits, without exposing her fully to equity risks, while maintaining liquidity. This ensured she felt secure and confident with her investment strategy.
2. Optimizing a Corporate Treasury Portfolio
A small corporate client was planning to hire a 5-member team to manage their treasury portfolio, including dividends, buybacks, and litigations. Overwhelmed by the complexities of taxes, liquidity, and investment choices, they consulted us.
We developed a streamlined investment plan that met their needs while keeping costs low. Instead of hiring a team, we helped them invest in optimized fund categories. With only 30% exposure to equity, their portfolio yielded 14% CAGR (Compound Annual Growth rate) over three years, exceeding expectations. This also saved them the expense of maintaining an in-house team.
3. Transitioning a Diamond Trader’s Portfolio
A diamond trader sought our help in exiting his business and investing his capital. However, he had unrealistic expectations of earning over 30% annual returns. Through discussions, we helped him view his portfolio more realistically, comparing it to his business’s actual returns.
High expectations often lead to frequent portfolio churn and advisor changes. We guided him toward a more rational investment approach, reducing churn and helping him diversify across mutual funds aligned with his goals. Over time, he transitioned into a sustainable investment plan, achieving stability in his portfolio.
At Fortune Wealth and Financial Services LLP, we offer personalized strategies to help clients manage their investments in India’s complex financial landscape. Whether guiding individuals with transparent advice or optimizing corporate portfolios, we focus on long-term planning, market expertise, and client education.
Our approach ensures that clients understand their options and feel empowered to make sound financial decisions.
About Fortune Wealth and Financial Services LLP
Fortune Wealth offers expert financial services, including trading, mutual funds, and advisory portfolios, with 19 years of experience. Focused on providing personalized solutions and ensuring client satisfaction, the firm is dedicated to helping clients achieve their financial goals through innovative and expert guidance.
CFA Munjal Mehta
Business Head,
Fortune Wealth and Financial Services LLP
101, Grand Edifice, Akurli Rd, beside Akurli Industrial Estate, Kandivali, Akurli Industry Estate, Kandivali East, Mumbai, Maharashtra 400101
+91 7666964949
