Financial Planning

Set yourself up for great success by letting your financial goals and plan drive your investing; not your fears or greed.

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Did you know that just setting your goals
can increase your chances of achieving it by 33%?

Most people are afraid to dream. Most compromise because they underestimate what they can achieve in the long-term. Put an end to this right away.

Do you have a financial plan to achieve your goals?

"If you fail to plan, you are planning to fail." -Benjamin Franklin

Do you know how much money you need for each of your goals, by when and what is the investment you need to make in debt and equity to achieve it?

No. How do I find the answers and make a plan?

Have you put your "financial" house in order?

  • Do you save enough? Why not?
  • Do you have all your asset information in one place?
  • Do you have a handle on all your liabilities?
  • Do you have enough insurance?
No. How do I put my financial house in order?

Having all your financials in one place helps you make right decisions

Financial Planning with Moneyworks4Me

An amazing Do-it-Yourself Tool that enables you to


Put your Financial House in order

  • Put your financial data-income, expenses, assets and liabilities in one place.
  • The FPT builds your personalized Financial Plan based on this.
  • Know the right amount of life insurance you need.


Set your Goals

  • Get started with 3 Primary goals- Children higher education, marriage, and your retirement.
  • Add any number of goals with estimate of current costs.
  • Know how much money you need to achieve it in the future.


Make a Investment Plan

  • Deploy your current savings to goals in the most optimal way.
  • Get the minimum Total SIP in Debt and Equity required to achieve the plan and each goal.
  • Edit with ease.

What Next?

Investing as per your Plan, of course

Whether you chose to invest in Stocks or SIP in Mutual Funds or Both you need the Right Tools to Invest Successfully and Reach your Goals.
You need Alpha Plus
The complete intelligent data-driven investing solution To Plan, Invest in Stocks and Mutual Funds, and Achieve your Goals

A Little planning can make a lot happen

What are my Dreams?

What's my current net worth?

"You are never given a dream without also being given the power to make it true. You may have to work for it, however."
- Richard Bach author with more than 60m books sold

Why Financial Planning

How much money do I need and When?

"If you fail to plan, you are planning to fail."
-Benjamin Franklin one of the Founding Fathers of the United States.

A plan must tell you how much money is required for each goal, by when and the investment in equity and debt you need to make to achieve them.

Have Plan, No?

"Let your Financial Goals guide your Investments; not your fears nor your obsession for high returns and you will find that even with moderate returns you can reach your goals"

The next steps are all about investing sensibly and making your money work harder for you, safely.

Create your Financial Plan… in less than 30 mins Watch How

How can I Implement my financial Plan?


Success in equity investing requires conviction to stay invested especially when the market is volatile. However, you cannot buy or borrow conviction; you need to build it.

Moneyworks4Me through unmatched transparency in sharing of knowledge, information, analysis, and insights builds investor conviction.

Our goal is to partner our clients through a lifetime to reach their goal of financial freedom.

We love helping investors like you,

Implement your Financial Plan
with Moneyworks4Me as your Trusted Adviser

Case Study


Shikhar , 24

Recently started working in a well-paying job. Lives with his parents. Plans for his Wedding, Car, House and more.

Read more


Ravi , 34

Has worked as a consultant for almost 10 years now, while his wife, Rohini, works in a bank. They have a 5 year old son Rewansh.

Read more


Know what you need and want in your life and plan for it

Most people don't know what they want in their life, want to own, to achieve, to do, to become before they die, kick the bucket.

Read more

Financial Planning FAQs

Financial planning is a step-by-step approach to organise the money required to meet your life goals. Of course not all goals in life require money, so in financial planning we are talking about those that do. Essentially, it is tool to help you manage your income, expenses and investments to fund these life goals. A financial plan is a document containing your current financial situation, the likely future cost of your goals and the strategy, the broad plan to achieve those goals.
Financial planning helps you determine your short and long-term financial goals and create a balanced plan to meet those goals. Financial planning helps you understand your goals better, why you need them, prioritize them and even eliminate those that you realize are not really important. A good financial plan enables you to utilize and grow your available financial resources for the things that matter to you in the best possible way and achieve your goals.
A financial plan establishes goals, creates a realistic strategy to reach them, and tracks progress toward success.

The benefits of having a financial plan include:-

  • Enables optimum utilization of available money
  • Motivates a disciplined approach to spending and saving
  • Preparedness for Future
  • Helps plan for investments
  • Leads to better standard of living
Financial goals are savings, investment or spending targets you want to achieve that enable you to reach your life goals. Some of your life goals are in the future and may require significant money. These require you to save some money i.e. your saving goal and invest it so as to grow it safely but fast enough to meet the cost at a future date i.e. your Investment goals .
Retirement planning is a multistep process that evolves over time. To have a comfortable, secure and relaxed retirement, a financial cushion is important to be built to fund it all. This is so important that saving for retirement in the form of contribution to your provident fund is compulsory in salaried jobs and deducted from your total salary and the rest is available to you. However, this may not be sufficient.

The key steps involved in planning for your retirement are:

  1. Determining your Time Horizon for Retirement
  2. Determine Post-Retirement Spending Needs
  3. Estimating the corpus required to fund the entire post retirement costs
  4. Assess Investment Goals & your Risk Tolerance
  5. Calculate Investment Returns (after tax) based on all three steps above
  6. Taking adequate Life and health insurance cover

Estimating the post retirement expenses correctly is important in retirement planning. For most people retiring usually means after attaining the usual retirement age around 60 years. Usually by this time you are an empty nest because your children would have grown up and become financially independent. This makes it easy to estimate your expense post retirement which is usually the expenses of your spouse/partner and yourself.

So take your current expenses and remove those that you are not going to incur post retirement, usually bring up your children expenses, travelling to work etc. This will increase at the rate of inflation over the time period till you retire.

You would need to plan for other big ticket goals like children higher education and marriage, and other expenses separately.

Early retirement requires you to estimate your expenses from the time of your intended retirement. Some of these expenses will be incurred only for a few years after which your expenses will become the same as a regular retirement. One way to handle this is to calculate the early retirement corpus in two parts
  1. For the regular retirement expenses but from the early date
  2. For the others expenses which would be normally met from your regular income e.g. children school education, vacation with children etc. This can be planned for as a separate goal.

You would need to plan for other big ticket goals like children higher education and marriage, and other expenses separately just like regular retirement.

As part of your financial plan you will know how much you need to save and how to invest this savings in debt and equity. If you do not have adequate savings currently, review your plan and see if you can drop something for now or reduce your spend on something. Even if the saving required is higher than your current saving check if you can increase you're saving every year and catch up. If this seems possible then you have a plan you can execute. You will need to ensure you meet your saving targets by keeping your expenses under control (usually means enrolling your spouse/partner in the plan). However, do not aim to earn very high returns on your investments to make up for the saving shortfall as it is not something most investors can execute and sustain.
Your financial plan will tell you the investment you need to make in debt (fixed income assets like FD, Debt MF etc.) and equity. However, you need to check if this matches with the asset allocation recommended by your risk profile. Usually equity allocation will be 40% to 60% and if the plan suggests a higher allocation to equity you may need to reduce the same. It is best to seek advice from a SEBI registered Investment Adviser .

Here are a few guidelines to ensure success:

Debt related investments: To avoid any uncertainty and rude surprises ensure you invest the debt portion in very safe assets e.g. FD in the best/largest bank even if the interest rates are not the highest. This will give you stability and security at a portfolio level, enough to handle the volatility of your equity investments

Equity investments: For the equity portion you would require expert help and guidance as it is more complicated and dynamic. Make sure you can trust the source of advice and its best to use one that is transparent and without conflict of interest i.e. they charge fees to you but don't earn any commissions and brokerage from your investments. This ensures you get advice that is 100% in your interest. Use a SEBI Registered Investment Adviser if your current surplus is already large.

Invest in high quality company stocks and look for reasonable prices for your direct stock portfolio . Complement this with safe mutual funds. Use Automation like having an SIP to ensure your monthly investments happen without fail.

It is said that plans are nothing, planning is everything. Certain events and your own priorities can significantly alter your financial plan. Make sure that you update and adjust your financial plan accordingly. It therefore helps to use a Financial Planning Tool rather than be completely dependent on a person. This is very much possible today as there are good and simple to use tools available.
First it provides you with an excellent tool to create your own financial plan. It is simple to use as you can see from this below video. If you need help get in touch with us.

Once you have a plan you will need to make the right investments especially in equity and then manage it over time and the market movements that are always present. Over the years, since 2009, Moneworks4me has provided unmatched transparency, great quality and unbiased research, to customers and users. Moneyworks4Me has investment solutions that will suit your portfolio size and your needs.

We love helping investors like you,
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