Frequently Asked Questions

A financial plan serves as your roadmap to achieving your most important life goals and mapping out your financial future. Here’s why having a financial plan is essential:

Guidance and Clarity: A financial plan provides clear direction, helping you understand the steps needed to reach your goals.

Empowerment Through Knowledge: With a comprehensive plan, you gain valuable insights and education, making it easier to make informed financial decisions.

Staying on Track: A well-crafted financial plan helps you stay focused and on track, ensuring you meet your objectives and adapt to any changes in your financial situation.

Your Financial Plan is a comprehensive blueprint tailored to your specific needs, focusing on point-in-time planning, asset allocation for retirement, and other key financial goals. The plan may include the following features:

Summary of Your Financial Situation:An overview of your current financial status, including assets, liabilities, income, and expenses.

Summary of Your Goals and Our Analysis: A detailed analysis of your financial objectives, along with our expert assessment and recommendations.

Retirement Saving and Drawdown Strategy:A personalized strategy to help you save for retirement and efficiently draw down your savings when the time comes.

Social Security Analysis (Insurance): An evaluation of your insurance needs and a strategy for optimizing Social Security benefits.

Assessment of Your Risk Tolerance: An analysis of your risk tolerance to ensure your investment strategy aligns with your comfort level and financial goals.

Portfolio Comparison: A comparison of your current portfolio with our recommended model portfolio, highlighting areas for improvement.

Recommended Action Steps: Clear and actionable steps to help you achieve your financial goals and optimize your financial well-being.

Yes – when creating your Financial Plan, we include all your existing investment accounts and consolidate them under one roof. This comprehensive approach ensures that your entire financial portfolio is considered, allowing for a more effective and streamlined strategy tailored to your goals.

Yes, your data is absolutely safe with us. Just as you trust doctors and lawyers with sensitive information, financial advisors require complete disclosure to provide accurate and effective advice. Without knowing your liabilities or cash positions, we may inadvertently recommend an inappropriate asset allocation.

To ensure your privacy, only two people—the relationship manager and the financial planner—have access to your information. As a medium-sized organization, we prioritize the security of your data, ensuring it is handled with the utmost confidentiality.

The difference between the NAV of Direct plans and Regular plans is the cost of professional services, typically ranging from 0.5% to 0.75%. This commission compensates the advisor, the service manager, and the software that supports your investments.

While some fintech platforms offer free services with zero revenue, we believe that for a long-term relationship to thrive, both the advisor and the investor must benefit. Our approach involves thoroughly evaluating your risk profile and financial needs to identify the mutual funds that best meet your requirements.

With constantly evolving markets, we monitor market conditions and regularly review client portfolios to ensure capital preservation. Additionally, our services include maintaining detailed records of your investments, providing tax documentation, facilitating redemptions, and more—services that direct plans typically do not offer.

We are compensated through a fee of 0.5% to 1% per annum on the assets we manage. This fee is paid to us by the Asset Management Companies (AMCs) with whom your investments are placed. Our compensation is directly tied to the value of your portfolio, aligning our interests with yours in growing and preserving your wealth.

We ensure there are no conflicts of interest by receiving similar compensation from all Asset Management Companies (AMCs), as this commission is regulated and capped by SEBI. Our compensation structure is designed to align with your financial success—starting lower and increasing as your assets grow. This approach ensures that our primary focus remains on growing and preserving your wealth, without any bias toward specific AMCs.

We effectively manage a large number of clients through the use of advanced tools and technologies. Our software platform provides a comprehensive dashboard that tracks each client’s portfolio, including the specific funds they hold. This enables us to identify underperforming investments and proactively communicate with clients to discuss potential actions, such as exiting those funds.

Additionally, we utilize a Customer Relationship Management (CRM) system to maintain detailed records of each client's investment plans, preferences, and progress. This allows us to deliver personalized service and stay on top of each client’s unique financial journey.

You will have two primary points of contact:

Relationship Manager: For investment advisory and financial planning.

Service Manager: For execution and back-office related queries.

If you need to escalate any issues and requires further attention, it will be addressed by the Managing Director.

We typically avoid recommending locked-in schemes, so around 90% of your portfolio can be liquidated at any time. Once a redemption request is made, the funds will be transferred to your bank account within 3 working days.

Yes, we do. Clients can easily execute all transactions through our mobile app and web portal. This allows you to manage your investments seamlessly and conveniently from anywhere, at any time.

Fill Out the Input Sheet: Begin by completing our input sheet to provide us with essential details about your financial situation and goals.

Receive Your Personalized Financial Plan: We will create a tailored financial plan based on the information provided.

Discuss the Plan: We’ll present and discuss the plan with you to ensure it aligns with your objectives.

Execute the Plan: We’ll develop an execution plan or consolidation plan to implement the strategies.

Complete KYC and E-Mandate Registration: Register your Know Your Customer (KYC) details and E-Mandate with NSEMF.

Initiate Transactions: We will start the necessary transactions online

Monitor Your Investments: Track and manage your investments using our mobile app.

We aim to establish a significant long-term partnership with our clients. The minimum investment to start is ₹25,000 per month through a Systematic Investment Plan (SIP). Over a period of 3 years, we work towards building your portfolio to ₹25 lakh, ensuring a solid foundation for your financial future.

Your investments are safe, even if Armstrong were to close down. The funds are managed by the Asset Management Companies (AMCs) and are held by custodians like CAMS and NSDL, who maintain records of your digital units. Armstrong Capital serves as a service provider.

You can easily track and manage your investments independently through various platforms like NSEMF, MF Utility, or Cams Edge. By using these platforms, you can view all investments linked to your PAN, ensuring full transparency and control over your portfolio at all times.

All investments in the capital market are tracked by CAMS and NSDL. In the event of your passing, your spouse or designated successor will receive a comprehensive report of all your investments. Additionally, we ensure that your spouse is listed as the nominee for your investments.

In the unfortunate event of your demise, we will assist in the transmission of assets to the nominee, ensuring a smooth transition and management of your investments.