Navigating towards your financial goals

Investors are like navigators: some are adept at charting their course, while others struggle. Suppose you tell someone to reach a particular place and give detailed instructions. Most people can follow the directions and reach their destination. Sometimes, the route that you have described may have some problems. A road may be blocked. When something like that happens, the travellers get divided into two groups. While some can easily find an alternate route, others need help. What's the difference between the two groups? The difference lies in the way different people use the directions given. Some take them as instructions and follow them by rote. Others understand the general direction of the destination. The second group can find an alternative route, while the first group fails if the original route is unavailable.

It's clear why I'm talking about direction finding and map-reading in what is supposed to be an article on investing. There is a similarity between the type of guidance different people seek from an investment advisory platform and the level of direction individuals require in other contexts. Some investors want specific, step-by-step recommendations on what actions to take, while others prefer more general principles they can apply to their situation. Just as people have varying preferences for prescriptive advice or high-level guidelines in finance, they demonstrate the same inclinations in many realms of life.

Fortunately, these two groups are not fixed. People can become experienced, gain confidence and skill and graduate from the first category to the second. Initially, someone may not be familiar with the city and the terrain. At the start, they might need precise instructions but will eventually become confident enough to find their route. During the intermediate stage, they will figure out their path but will call back and check if it's correct.

However, here is the most important thing: People must decide where to go. They will realise that there are different routes to the same destination, depending on your starting point and how you want to travel.

Value Research Premium is the perfect way of doing this, the ideal companion to mutual fund investing. From helping you figure out goals, creating investment portfolios, restructuring existing ones and tracking your investments, it does it all. On top of that, Value Research Premium is not a black box which throws out instructions for you to follow. Our goal is that you should know and understand what is happening to your mutual fund investments and that even if you start with limited knowledge, you should quickly become the kind of investor who knows exactly what to do.

So, how exactly does Value Research Premium help you? Here are the main parts of the story:

Portfolio Analysis: A common concern for many of our members who already have investment portfolios is ensuring their current assets and strategies align with their financial aspirations. Assessing if your holdings accurately reflect your aims is complicated given the array of considerations - from evolving objectives to tax repercussions of changing course. Leveraging insights from our algorithms, our service aims to eliminate guesswork by evaluating your unique scenario and mapping the optimal path ahead.

Portfolio Planner: These are custom portfolios suggested to you as part of your premium membership. The algorithm that we have evolved takes into account your goals, your income, your saving capacity and several other factors.

Analysts' Choice: Often, investors want to choose their funds for some particular investment purpose. Even with the help of our star rating system, it's a lot of work to zoom in on the right set of funds. However, that won't be a problem for you because, as a Premium member, you will have access to Analysts' Choice. Instead of the official categories of funds, we have created eight investor-oriented categories that match your financial goals. In each of these, my analysts and I have carefully selected a handful of funds to serve you with the best outcomes.

These capabilities are just a sampling of our robust selection of offerings. We provide extensive resources to empower you to track critical investment metrics - from performance to allocation to tax exposure and much more. Our solutions are intentionally comprehensive, equipping members with a toolkit to elevate and customise their financial management approach. It enables tailored mapping to your specific goals. For a complete overview of our premium tools for investment analysis, planning and optimised growth, check out Value Research Premium.