On-boarding Process for Hum Fauji Initiatives

We have two distinct services to offer to you

1. Financial / Retirement Plan – Making a roadmap for your future

Financial Plan is a macro-level blueprint, a road map, in broad terms of your current financial status, what lies in future and how you can reach there in the best possible manner through prudent investments and changing some of what you are doing today. This plan may be required by you to manage your working life or to plan for a golden retired life if you’re retiring or recently retired. Financial Plan will lay down the broad financial goals (requirements) coming up in your life, calculate their costing when they are expected to come up, analysis of your insurance policies and loans, and give you broad recommendations. It delves into the major financial requirements of your life like education (graduation and post-graduation) of your children, their marriages, house and property, vacations (domestic and international), changing of car regularly, etc during your life time.

Our Recommendations: You’re almost sure to need a Financial Plan to plan out your financial life unless you’re unmarried and have no liabilities, or you’re retired (or just about to retire) and have no liabilities or responsibilities balance. We strongly recommend you to get a financial plan made before you go in for your investments so that you have full clarity on what are you investing for. Such a financial / retirement plan should be regularly reviewed every 2-5 years.

This planning is done by a team of financial planners led by Col Sanjeev Govila (retd), who himself is a Certified Financial Planner (CFP^CM) and a SEBI Registered Investment Advisor, both highly coveted and prized qualifications in the financial field.

2. Investment Plan: Investing to achieve your financial goals

This service is offered by Hum Fauji Initiatives^® (a registered brand name of ‘HFI Wealth Creators Pvt Ltd’) which aims to offer a One-Stop-Financial-Solution destination to you for all your financial requirements like:

• Mutual Funds (Debt and Equity)
• Corporate FDs.
• Govt. Bonds (tax-free as also non-tax-free) and corporate bonds in primary as also secondary bond markets.
• Income Tax Returns Filing.
• Portfolio Management Services (PMS) for equity as also debt.
• Wills & Trust deed services and their formation.
• Loans (home, vehicle, personal, loan against property)
• Insurance (term plan for life and all other general insurances like home, critical illness, disability, medical, office, keyman, etc)

Other Aspects of Connecting with us

3. The above two services, of Financial/Retirement Plan and Investment Plan, are distinct and independent. You may go in for Financial / Retirement Planning only, or only investments, or both, as per your choice and preference.

Both the services have to be paid for separately as per the charge structure laid out in the relevant mails.

4. We look forward to your revert to us at the earliest on which of the two services would you like to go ahead with us – the Investment Plan and/or Financial/Retirement Plan. Upon receiving your confirmation of going ahead, another mail would be sent to you containing a link to a website (www.finametrica.com) and a login ID and password, to enable you to do your risk profiling. This is the world’s best risk profiling software and lets you (and us) scientifically know your comfort levels in the combination of products that would be best for you and you would be most comfortable with. You would be required to answer some psychometric questions and it would not take you more than 15-20 minutes.

5. Please remember that once you subscribe to our investment services, you will receive the following seamless services from us:

• A comprehensive psychometric Risk Profiling for you to judge your investment comfort level.
• A complete review of your current MF portfolio, other investments like insurance policies, loans etc., and advise you on what should be done with them including surrender, ‘paid-ups’, part-prepayments, rejigging them, etc. We, of course, neither deal with direct stocks nor advise or review them.
• Preparing your investment plan, discussing with you and finalizing it as per your future requirements (financial goals) and comfort level.
• Regular Six-monthly reviews of your portfolio and also any adhoc reviews if economic, personal and some event-based circumstances so demand. This service has to be subscribed to by you for a nominal yearly charge.
• We become your 360⁰Financial Advisors rather than merely an Investment Advisor – you can take advise from us regarding taxation issues (buying or selling a property, salary, other incomes, etc), loans (“Should I go in for a loan or take money out from my DSOPF or investments?” etc), insurances (“Do I need a life insurance”, “Is this insurance being sold to me by my bank good for me?”, etc) and any other financial issue that you think we can advise you on.

6. Please confirm the date and time when we can speak to you on the issue along with your contact No or you may speak to us on 011- 40814681 (30 Lines) anytime during the working hours. It would also be good if we can have a meeting with you in our office, if or when you are in Delhi/NCR. Our contact details are as below:

Landline : 011-4081 4681 (30 Lines)

Whatsapp / SMS : 9999 053 522

Email : contactus@humfauji.in

Office Address : 2^nd Floor, Bimal Plaza, Pocket 4 Market, Near Kotak Mahindra Bank, Sector 11, Dwarka, New Delhi – 110075

Other Information : www.humfauji.in , http://www.facebook.com/HumFaujiInitiatives , @humfauji

Looking forward to an early revert from you.