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Dear Readers and Clients, it gives me immense satisfaction to bring you the online platform - ‘r u an investor.com’. Satisfaction because in these past 6 years of my work life, perhaps these are those few moments which make me feel that I am finally doing a worthwhile job, something that everyone aspires in one’s career.
                                                    
Over these years, I worked with 4 companies and in that due course of time saw a steady growth in my salary pay cheques. As long as satisfaction on income status was concerned, I had a good reason to be thrilled and enjoy what I earn year on year. But if that was to be observed with some kind of work satisfaction and recognizing your energies and chanelising them in the right directions, the same found lesser meaning on the kind of work I aspired to do.

I, for the last 4 years have been associated with the Wealth management/ Investment Planning Industry, or going by its newly defined name, the financial planning industry. While being associated with various companies, I experienced that most of the times they were unorganized and had very weak systems and processes laid down, something I always vouch for in work.

Also, what I observed in most instances was that the new product offerings and out of the box investment options ruled the charts in monthly reviews and forecast on future business plans. There was always less thought given on the education and planning front, as all that was kept in mind was executing the products. The importance of compliance and establishing systems and processes was a chalta hai attitude. The job was all about knowing what is new in the financial market, chip in to your clients and enjoy your salary cheque at the end of the month. Incase, you managed to rope in more than minimal asset under management, you also benefit with the extra commission earned. Ironically, not the kind of way in which I relished doing my job.

That was the stage when I decided to give this chalta hai attitude a passé and made up my mind to incorporate the systems and processes which is the right and healthy attitude towards work in the world of personal finance.

That is how I founded ‘r u an investor.com’.Its foundation is on 4 major pillars - Education, Planning, Execution and Service. I believe that every aspect of personal finance to be dealt with requires these 4 essential step by step processes to accomplish the financial concerns in life.

Keeping that in mind, the education on a macro level is provided through the content which signifies what all it takes to be an investor. An investor needs to accomplish discipline, learn the way to benefit mutually, should ensure adequate insurance and protect his family, be happy to pay taxes and should not avoid paying them. He should also know how one should preserve wealth and so on.

This education initiative is taken with one major belief in mind that investor should adhere to rationality and make informed decisions in their personal finance matters. Once the message is clear on education, an investor must relate them with respect to their own individual requirements. This is the stage of planning. Under this stage an investor has an insight on his current resources and his financial goals (short and long term) and determines the risk profile he carries and based on these inputs come up with a financial plan.

The next stage is to sync with your individual plan, establish understanding and consent on the planning and execution of the same. The execution shall happen as decided in the plan and in the given time frame. It comprises of your complete asset allocation matrix.

Once the execution takes place, the investor is lined with multiple statements of accounts and many more promotional letters. The service level ensure the execution details are tracked in a precise manner and a follow up on their maturity and other related requirements like detail on investments, dividends, renewals, switches, exits, further additions, change in address & bank accounts, impact of taxation and many more small and big issues are updated and the client need not involve in such petty instances. They get an impeccable service level with a backend support that takes notice of all minimal and large transactions that clients go through in their life cycle.

It is a human tendency that one gets reckless while dealing with his personal finance. We all in our lives are so much involved in our day to day activities concerning work and family that we fail to realize, a steady glance at our assets and liabilities, how and where they are growing is also an utmost concern. This leads to an astonishing pile up of financial discomforts for most of us. Ofcourse, we all do our bit of saving and investing but more often on a friends or colleagues recommendation else in the last minute rush before we have to file our annual returns. Nevertheless, the key lies in giving a good thought before you frisk with your money.

At ‘r u an investor.com’, readers will appreciate the importance towards this thought process which needs to be carried out before venturing into this not so unusual theory of dealing with your finances. One must be sure of what one is doing and for what purpose. In this universe of money investing, saving and spending have several means and reasons. What lies beneath them is the right motive and an explanation to these acts. Acts that bring value to your requirements and make you grow in a way that you should see your assets growing year by year. Only than can you fulfill your responsibility towards your financial commitments. At ‘r u an investor.com’, this is precisely what we have set forth to do make you achieve your financial goals and targets in the best possible manner.

Thanks and best regards to all.

Vinay Sharma
Founder