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360° Wealth Planner

The big things in life are often the result of successful planning and astute investing. It is serious business and requires a well-crafted plan. And, it is never too soon to start thinking about planning for your future. You might want to fund college education for your children, build a house for your family or plan for your retirement. Without proper planning you might not be able to achieve any of your life's milestones. The first step to successful investment planning is to decide what you want to accomplish. The basic objective of the Tata Mutual Fund 360o Wealth Planner is to enable you to identify your needs very specifically and help you begin your journey to a rewarding outcome.

It begins by pinpointing your expectations from your investment. You might expect your investment to enhance your net-worth, meet your monthly expenses or even allow you to acquire an asset in the near future.

The Tata Mutual Fund 360o Wealth Planner then analyses your ability to handle short-term fluctuations in the value of your investments, both financially and psychologically. It is based on the amount of risk you wish to take based on the rewards you want to gain. For example, if you are ready to overlook short terms movements, you can increase your wealth generating capacity in the long run. It gives you a holistic and complete picture of your risk appetite along with your rewards expectations based on your life stage. And, the third important parameter is the time you have in your hand to allow your investment to grow

Now, based on certain assumptions and calculations, the Tata Mutual Fund 360o Wealth Planner suggests schemes that are suitable to help you achieve your dreams based on your risk-reward profile.

The Tata Mutual Fund 360o Wealth Planner is intended to make the task of providing for your future much simpler and achievable and to help you plan ahead.

1	I am :
	Under 30 years
	30 - 45 years
	46 - 55 years
	56 - 65 years
	Over 65 years
2	The current value (in Rs.) of my investment portfolio, including investments held at other institutions (e.g..  mutual funds, stocks, bonds, fixed income, savings / cheque accounts ) but excluding real estate is :
	Under 50,000
	50,000 - 150,000
	150,000 - 300,000
	300,000 - 500,000
	Over 500,000
3	My total income (in Rs.) per month is in the following range :
	Under 15,000
	15,000 - 30,000
	30,000 - 50,000
	50,000 - 75,000
	Over 75,000
4	The statement that most clearly / closely defines my investment objective is :
	I want to ensure my capital is safe and I do not need income at this time
	I require a steady income from my investments
	I have some need for income, but am also interested in capital growth
	I would like long-term growth and I am less concerned about income at this time
	I am only interested in growth over the long term
5	My current investments are best described as follows :
	Mostly stocks or equity mutual funds.
	Mostly bonds or income funds.
	A mix of investments in money market, bonds, stocks, and mutual funds.
	Mostly government securities or fixed income securities.
	I have few or no investments.
6	I respond to my fluctuations in my investments in the following manner :
	I will sell quickly anytime my investment loses value or money.
	Day-to-day market movements make me uncomfortable. If an investment loses value over a 3 to 6 month  period, I am likely to sell it and look for a better alternative.
	I realize that markets may rise and fall randomly. I usually watch my investments for at least a year before  making changes.
	I believe that a long-term investment strategy will maximize potential returns. Even if poor market conditions resulted in sizeable losses in a given year, I'd stay invested.
7	I plan to start withdrawing money from my investment plan in :
	Under 2 years (short-term)
	2 - 5 years (mid-term)
	6 - 10 years (mid-to-long-term)
	More than 10years (long-term)
8	Investments with higher returns typically involve greater risk. With this in mind, if I held a Rs.10,000 / -  investment for 4 years, with widely varying risk / reward potential, which of the following options would I  choose ? (Best outcome / worst outcome in Rs)
	80,000 / 5,100
	40,000 / 6,000
	30,000 / 9,000
	13,000 / 10,500
9	I have None One Two More than two number of children below the age of 13 years.