Goal Based Financial Planning

Retirement Planning

Retirement planning is the process of determining retirement income goals and the actions and decisions necessary to achieve those goals. Retirement planning includes identifying sources of income, estimating expenses, implementing a savings program and managing assets. Future cash flows are estimated to determine if the retirement income goal will be achieved.

Remember that retirement planning starts long before you retire — the sooner, the better. Your “magic number,” the amount you need to retire comfortably, is highly personalised, but there are numerous rules of thumb that can give you an idea of how much to save.

Family Protection

Family Protection is a type of life insurance that allows you to secure your family’s financial future in the event of your death. It can be a level term insurance which means it pays out to your dependants if you die within a fixed term. The premium stays the same (as does the pay-out) whether you die on the first or the last day of the policy.

Family protection is a must for those with dependants relying on you financially. Family protection provides you with peace of mind that even without you, your dependants financial security is taken care of. The lump sum payment can be used to cover mortgage repayments, credit card debts or even weekly shopping bills.

Child Education Planning

As a parent, nothing is perhaps more important that ensuring a secure future for your child. Child Education Planning is means of securing your child’s future.

A Child education plan is primarily for the ongoing education of your child, from the time they enter school till the time they graduate out of college, ready to take on life. At predetermined maturity millstones funding is made available at definite periods to pay for your child’s growing education needs.

Child Marriage Planning

Child Marriage is a major financial goal for which every parent wants to plan. Though the exact age of marriage and expenses can’t be ascertained to perfection, however, one can always refer to general expenses incurred on marriage and create a fund that may support Child’s Marriage in future.

Start planning from the moment the pregnancy is confirmed for your Child’s Better Future.

Dream Home

We start with how to set a financial goal for your dream home because when it comes to dreams and aspirations, most people will have their dream home at the top of their list. Decision to buy your dream home should be backed by sound Financial Planning rather being an Emotional Decision. Financial Planning is very critical specially if you are buying a house on Loan.

The “HOME, DREAM HOME” is a sentimental objective of every individual those started their career in the recent past. It gives the immense pleasure of significant achievement in their lifetime. Hence everyone is diverting their sizeable savings towards availing a dream home. The objective of a dream home is not only to live and lead their comfortable life and also an asset creation to their next generation. We are spending the majority of our lifetime savings towards buying a home to lead our life happy and comfortable.

The question is, are we really living comfortably after the purchase of our dream house? I am sure; we will have some comfort level while living in own house rather than the rental house. However, there will be some sort of struggle after buying an own house due to lack of proper financial planning.

Vacation Planning

Our planet has such wonderful things to offer, it would be a shame to not be able to see it. However, with a little planning from you and a little help from Fast-track, you can go vacationing every year!

Following is a list of questions we can help you answer:

  • On an average, how much do I want to spend on every trip?
  • How much do I need to set aside every month for domestic travel?
  • If I want to go abroad, how much will I need to set aside for that?

WHAT CLIENT SAYS ABOUT T4T INVESTMENTS

Paresh Bhadekar

Paresh Bhadekar

First I would like to express thanks for the help Swati has done. I had no idea about financial planning before. We spent number hours on decision. She explained importance & clarified all the issues and concerns before any investment. Based on a family need and income, she planned financial portfolio for me and even her continual advice on issues served significant amount of money. Passion, knowledge and genuine interest in achieving best for client, is what makes her truly a professional financial advisor. I would recommend her to anyone who wants to achieve a better financial outcome.

Paresh Bhadekar
Software Engineer, Datavail Infotech

Aayush Sejpal

Aayush Sejpal

Hi, I am Aayush.

I am doing my own business and graduation in commerce. When it comes about finance, I believe in power of compounding. My financial advisor is Swati Pawar mam. She is very active and prompt about her work.

She believes in my goal and understands it very well and accordingly we plan together and decide what fund we have invest it and how much we have to invest. I am very grateful for having her as my financial advisor.

Aayush Sejpal
Aayush Enterprises

Kundan Vaze

kundan vaze

Hi this is Kundan from KV Solutions.

First of all I would like to say big Thank you to Swati Madam for taking this profession. As we know the profession which she is doing is really challenging and being a woman its more more challenging. When I met her i thought that its was like she would normally do the marketing of her product as others do irrelevant whether i need it or not. But she was least interested in her selling her products and she focused more in consulting and financial health check up. Experience and her knowledge and the way she guides, proves that she is like a family member who is more bothered of your future. She keeps updating and guiding now and then.

As there is saying we need a Doctor for health so we need Financial Advisor for wealth. You have changed many lives, I am lucky to be one of them. Thanks once again.

Kundan Vaze

Mohit Shah

Mohit Shah

I had almost zero knowledge about Finance Management. Through one of the networking forum I came to know about Mrs. Swati Pawar. We had 3 to 4 meetings and every time she guided me very well & taught what to do and what not to do while managing the personal finance. Today my complete portfolio is managing by her.

I strongly recommend her to everyone, specially for the way she teach & share her knowledge & ultimately creates unique plan based on our goal.

Thank you Mrs. Swati Pawar.

Mohit Shah

Vikranti Braganza

Vikranti Braganza

I have been associated with Swati Pawar for the last twenty years. She has got in-depth knowledge of all the investment plans that are available in the market. She knows your requirements, your needs, your goals and whatever your future plans are.

She has planned my portfolio according to my needs are concerned and not what she needs to give me. That’s the way I wanted my life to be. It is safe and secured now. Hats off to T4T Investments.

Vikranti Braganza
Insurance Professional