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Life Stage of Investor

PLAN YOUR FINANCE SMARTER WAY...!

Each person has to come across different Phases of life. Same applies for the Investment journey as well. Remember that life does not always go as predictably as you may want it to. There could be unforeseen situations both good and bad. Having a financial roadmap that accounts for most of these situations can seem complicated at first, but it is really simple in essence and can go a long way in helping you tide over any challenging circumstances as well as in helping you achieve most of your financial goals. It’s merely about maintaining the right balance in your portfolio at every stage, and being very aware of what’s going on and responding to it from time to time. The more you remain in control today, the easier you’ll be able to craft a happy tomorrow.

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ACCUMULATION PHASE

Investor early or middle to their career tries to accumulate fund so that individual can have money to spend in the later phase of their life. Some people accumulate the fund to buy house, car or other important assets and some people accumulate for their children’s education cost , and some for peaceful life after retirement.

Funds invested in the early phase of life gives an investor a huge amount of money which is compounded over the years.
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CONSOLIDATION PHASE

Consolidation Phase is the midpoint of their career, in this phase, they earn more, spends more and pay off all their debts. In this phase moderately high risk taken by the investor but for capital reservation some investor prefer lower risk investments. Ideally Individual invest in the capital market and other securities.
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SPENDING PHASE

This phase starts when an individual retires from the job. Their overall portfolio is to be less risky than the consolidation phase; they prefer low risky investment or risk-free investment. People prefer fixed income securities like a bond, debenture, treasury bills , and also hybrid funds up to some extent. In this phase, they prefer for monthly income with inflation adjusted returns.
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GIFTING PHASE

If individual believe that they have enough extra funds to meet their current and future expenses then they go for gifting money to their friends, family members or establish charitable trusts. These can reduce their income taxes and they also keep some fun for future uncertainties. 

Over the different phase, investor behaves differently and invest in their preferred assets according to their risk- taking behavior. So in which phase are you in …??

Need to know which asset works for you ? Connect with us

“INVESTING IS NOT ABOUT SAVING MONEY, IT’S ABOUT TRAINING YOUR MONEY TO WORK FOR YOU.”

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Why Implied

Implied Financial Services was set up to provide quality ethical financial coaching services, which is hardly exists now a days. We work on Client First Approach, where all our actions is based on this.

We, Implied Financial Services

1

Works to empower you on the financial strength  by holistic, honest, and ethical practices.

2

Our work flow and process helps you to identify your future needs/goals and we design a plan which suits you to meet those needs.

3

For us every individual is unique and our solutions will follow that. We believe that there is no single mantra for a financial wellness for all, it depends on their earnings ,savings and spending habit.

4

Helps you to enjoy the life with ease by fulfilling your commitments. We are here to guide & hand hold you in this journey.

"Whether you call them commandments, pillars, or habits, our core principles  talks everthing about Why ,What and How we do. Implied is built upon these 5 key Principles"

Vision

We are clear about what we are doing.We are here to help Individuals to attain Financial Literacy and hand hold them to be financially free & secure. By this we want to build a wealthy nation.

Professionalism

We maintain high standards when it comes to service. We follow a unique disciple approach to  onboard clients and provide equal attention to all our clients while servicing. We value you trust.

Integrity

As rightly said “You cannot expect Trust from a cheap person”. We keep our coaching approach as transparent as possible and our recommendations are Client centric, which will be inline with Client’s Investment objective.

Competancy

"Investment in Knowledge pays the best Interest” Implied is born with this phrase. Our hunger about knowledge always keeps us on top and help us to deliver best to our clients. A considerable time is spent on acquiring knowledge to keep us and our clients up to date.

Keep it Simple

We believe that “If you want to impress someone make is complex, if you want to really help someone make it simple”. We are here to make the investment journey of our client smooth and simple, our process reflects the same.

OUR APPROACHES

WHY INVESTING

IDENTIFY YOUR NEEDS

KNOW THE TENURE

UNDERSTAND THE RISK

FIND THE PRODUCT

START INVESTING

What client say

“Trustable”
I Trust with Implied Financial Services. I've known my advisor Chethan S for the past 12 years and find him to be very professional and knowledgeable. I noticed he truly listens to his client’s needs, he communicates well and understands my financial needs.  He is very reliable, a confident for financial matters.

Ajith kumar

MNC, Bangalore
“Great Handholding”
We got investment execution done by Implied Financial Services for us and we are impressed with the amount of time they spends with us and how he makes us understand our needs. I recommend Implied Financial Services to my friends as well.

Mr. Ajay

Senoir Consultant MNC ,Bangalore
“Excellent Services”
It gives me great pleasure to be associated with Implied Financial Services on my financial investment plan in various portfolios.  I am happy to inform you that your timely information on likely market fluctuations and your suggestions and guidance on my investment plan is very good.   I have been told very transparently.  You are doing a great job  on that time to time  from the very beginning.

In fact I have been telling my relatives friends and some of my dealers to have their investment plans with you as you are a reliable investment planner.

Range Gowda

Senoir Manager MNC Consumer Goods, Bangalore
“Reliable Service”

Implied Financial Services is fantastic, they are reliable. I recommend to my friends.

Mrs Vidya

SE MNC , Bangalore
“Great Work"
I got my risk management done from Mr Chethan S, I liked the way he approached it . I have not seen such a clear suggestion till now from any one. I would like to take more services from Implied.

Mr Narayana Kumar

Buisnessman Shimoga
“Good Work, I strongly recommend”
It’s been 3 years now, I Am taking the services of Mr Chethan S, he is very clear in his execution and explains us in details on the outcome.

Mrs Sumathi

Shimoga
“Very Professional”

They are professional and ethical. I will rely on them for my financial matters.

Mr Raghavendra

Senior Executive, Bangalore
“Good Service”
Excellent service and quick response. Mr Chethan and his team are very quick in their response and they are reliable. I am with them from 2 years.

Mr Shekarappa

Merchant, Shimoga
“Surpassed my expectations”
"Since working with Chethan Suryanarayana he has met and surpassed my expectations of working with financial matters. He took the time to really know their clients which gives me every confidence that not just my financial goals are well understood but also my comfort level. They regularly provide updates and have always been available to answer my questions or to explain options within my portfolio. Transitioning into retirement has been much easier thanks to Chethan for his guidance."

Mrs Triveni Narasimhaiah

Dubai
“Professional Service”
I am very much happy with the financial coaching he has provided and has always been profited with it.  I have been taking his services for about 10 years till date and has never seen his advice going wrong. I have no doubts in his market reading abilities and he always suggests the best product to invest on. If you are new to investments you can just trust on his advice and you will be definitely profited from it.

Raghavendra Prasad B O

MNC , Bangalore
“Very much Impressed”
What really impressed me was the way Chethan S took the time to get a feeling for where I was at, his depth knowledge, lateral thinking and common sense approach. He is professional, ethical and caring demeanor elicits my trust and respect and I gladly recommend his services wherever possible.

Many thanks. You are big asset for us.

Yogeesh Guddekoppa

Professional , Bangalore
“Best Guidence”
One who wants to plan his finances and future, Mr.Chethan s best consultant to guide you.Attended his classes on concepts of Trade and market. Very useful.Thank you for sharing knowledge.

Dr Mahesh Murthy

Cadiologist, Shivamogga
“Very Knowledgeable”
Pretty informative. Always available to support. Chethan S has wide spectrum of products and in depth knowledge in various financial products. I got curated financial advice for SIP and SWP. I am completely satisfied with the services so far.

Mr Prateek M

Buisnessman, Shivamogga
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