*Advisory / Planning
Investing requires information and understanding of your present and future requirements. As people move through the various stages of life, their needs and financial goals too change. We can help you select type of investments that relates closely to your financial goals.
Investment focuses on increasing net worth and achieving long-term financial goals. However, please note that all investments involve some element of risk depending upon the nature of investment. Risk implies the possibility of partial or total loss of your investment. The greater the potential of reward is, the greater also is the potential of risk. There is no such thing as a risk less investment. It is all but impossible to increase the performance of an investment without also increasing the risk.
Diversifying investment portfolio by selecting a variety of securities is frequently used strategy to offset some impact of risk. Likewise, your return will also depend on an average of your various investment returns. By diversifying, you won’t lose as much as if market value goes down and if the market goes straight up from the time you started, you won’t make as much in a diversified portfolio either.
In a nutshell, asset allocation is the strategy of spreading your investments in different asset class so as to reduce your risk. The idea is to control risk and improve your total return over time. Asset allocation does not guarantee that your investments will earn more. But investing in different asset classes can help shield you against the possible poor performance of a single investment.
As a client, we will develop a confidential relationship and follow a Plan to ensure that your objectives are identified.
safety net & build wealth
The beauty of your plan will be your ability to change it. This kind of flexibility is to your advantage because your goals will change as time goes by. There’s no need to put off planning. The time is now. Creating a plan with PANAM will help you to know where you want to be and how you’re going to get there.
We help you achieve your goals
At PANAM we can help you achieve your goals and will give you the guidance to:
- Help reduce taxes
- Save for retirement
- Decide how to invest
- Help you develop strategies to manage your debt Determine proper insurance coverage
- Offer custom-designed programs to try to achieve your special goals, buying a home or condo, retiring early, financing your child’s education and more.
We have the experience, the tools, and the know-how to help you realize your financial dreams:
- I want to strive for better return on my investments.
- I want to make sure that my family is financially protected should something happen to me.
- I don’t mind paying taxes, but I want to keep more of my money for me.
- I want to prepare for funding my children’s education as best as possible.
- I don’t want to worry about running out of money during my retirement.
- I want to keep control of my decisions when I retire.
- I want to maintain a certain lifestyle when I retire.
- When it comes to my investments, I want to know that I am “on track”.
- When the time comes, I want to make sure that my money and my things go where I want them to go.
- My business is important to me, so I want to make sure it is protected.
Research beyond the business plan
This is where we learn about all of your financial goals, objectives, assets, liabilities, income, expenses and other relevant information. The foundation of a sound financial plan is having a clear understanding of who and what you are. This information is kept strictly confidential.
A preliminary analysis of the information is prepared. Review all of your objectives and determine if they are feasible. A specific recommendations designed to help you meet your financial goal and objective is prepared. We at PANAM will act as your advisor/broker and purchase the financial products that have been decided upon in consultation with you.
Life, one thing is constant: change. This is why we shall keep sending you reports periodically on your investment so that it can be monitored and changed according to the changing circumstances.
What our clients say
I am a chartered Engineer by profession . Around 2007. I was looking for someone to streamline & systematically plan my financials. Needless to mention that integrity and honesty were the deciding criterion.
I came across Jaideep & I was impressed with his frank dialogue. I gave my portfolio to Panam. The service standards delivered by Abhijeet were extra ordinary. In fact Abhijeet followed up with me from time to time which helped me investing surplus money in mutual funds. This made my portfolio stronger. Also advise from Jaideep from time to time helped me in keeping consistency which is a key parameter.
Devangbhai also guided me from time to time & helped gradual but certain growth in equity. In my need; Panam helped me in withdrawal of large amount in just 3 days. This team is unique combination of professional excellence, competency & integrity. Their slogan that one may have financial risk but one will never have integrity risk is very true, as experienced by me.
My best wishes to Panam for enriching lives of Panam family.
– Mohan Gowaikar, Consultant, Pune