Here at Shashi Investments, our objective is simply to provide all our clients with quality independent financial advice and to give them the freedom to choose the level of service and advice they require.
We recognize that no two situations are the same – each client has a unique attitude toward investing and a distinguished tolerance to risk. It is not until we fully understand your past history, present situation, and goals for the future that we will begin to formulate a comprehensive financial plan specifically tailored to you.
Plato said necessity is the mother of invention… We felt the only way to solve these problems was to create a firm based on fixing them.
Shashi Investments puts the focus back where it should be. You!
Throughout our lives, we are taught that it is smart to save, to pay off debt, and to be prudent with our spending. However, many of us are not taught the basic principles that come with those actions:
Often, we simply do not have the time or interest in devising, implementing, and regularly monitoring a financial plan. Working with a financial advisor allows you to objectively and logically plan for your financial future, manage risks, and answer any (and every) question along the way.
We take pride in our ability to simplify your entire financial profile (investments, tax, insurance, estate planning, etc.) in an easy to understand picture that can make immediate and long term goals attainable.
Advisors work with a variety of clients regardless of the stage they are in life:
So much of your life is spent earning, paying, and saving money. You need a financial advisor to guide you and help ensure that your finances are managed properly and that your assets are always working for you and your family. Let a trusted financial advisor, like Shashi Investments, show you the way.
The saying “don’t put all your eggs in one basket” defines diversification in investment advisory. It is this wisdom, perhaps passed from one’s parents, of not putting everything you have in one choice that should absolutely be followed in investing.
IMPORTANCE OF DIVERSIFYING INVESTMENTS
Through diversifying your investments, you have a greater probability of capturing investment opportunities over the long-term, while at the same time helping to minimize those concentrated risks of being overly exposed to any particular investment in the short run.
Investors do not like to think of periods when the market is in a recession, but during recessionary cycles, diversification may limit your exposure to market loss. For example, during 2008, the stock market performed poorly while treasury bonds performed positively. The opposite may be true during a bull market. For this reason, you want investment vehicles in your portfolio that may perform well during all market cycles.
REDUCING PORTFOLIO VOLATILITY
Diversification allows one to reduce portfolio volatility, as it is volatility that makes investments move like a roller coaster. Volatility, for some, is what makes investing difficult and invites emotion to cloud the logical process of investing.
Diversifying investments into buckets (including Indian Stocks, International Stocks, Domestic Bonds, and International Bonds), aids the investment process by dampening volatility because typically all asset classes do not move in unison. Put simply, diversification allows for your portfolio to have a smoother ride. It is through the process of diversification that you can match your capital need and investment goals. For example, you can invest in CDs and bonds for capital you know you’ll need in one to two years, while the stock component of your portfolio can be for the capital you’ll need in the next decade. Everyone will have a different asset mix or diversify differently.
DIVERSIFYING PORTFOLIOS IN DIFFERENT FINANCIAL MARKETS
However, we believe every portfolio should have broad enough exposure to capitalize on the opportunities available in the financial markets. These opportunities come in the form of:
The act of diversifying requires financial planners, like those at Shashi Investments, to examine your entire financial profile and find the allocation that best meets your objectives. Lastly, diversification requires your portfolio to be flexible enough to reallocate and rebalance so as to not be too underweight or overweight in any one sector or strategy.
The biggest question in investing is “Where should I invest my money?” Investors often wonder whether they should invest entirely in stocks, bonds, or a balanced mix of both. Aggressive allocations tend to be all stocks, while conservative allocations tend to be all bonds and cash. Having an asset allocation strategy in place provides discipline and guidelines for investors.
ASSET ALLOCATION STRATEGY & INVESTMENT OBJECTIVES
Having a disciplined asset allocation strategy allows one to stay focused on meeting their investment objectives. Right or wrong, emotion always makes way into investing; however, having the right asset allocation will remind you of your investment objectives.
HOW TO SET YOUR ASSET ALLOCATION
The simple answer to what your asset allocation should be is: the one you are comfortable with and understand to reach your investment goals. Here at Shashi Investments, we cater your asset allocation to align with your time horizon, investment goals, and risk tolerance. Specifically, before we invest your hard earned capital, we examine your entire financial profile to ensure we are investing to align with you and your family’s goals. It is for this reason that we do not believe in a “cookie cutter” approach to investing.
If your current investments keep you up at night, and you are constantly worried about the direction of your account, it is likely that you are not allocated correctly. A financial planner’s job is to help you match your current situation and time horizon to an allocation that will help yield the highest probability of success in attaining your financial goals. For example, with a younger investor who has several decades of earning ahead, it makes sense to plan for her retirement by having a higher allocation to stocks than any other kind of investment. Our logic in this instance is that over time, we believe stocks outperform bonds and bonds outperform cash. It is for this reason that retirees should consider a more moderate allocation, whereas a younger investor just starting in their career can consider being aggressive.
The Risk of Holding Too Much Cash
Another concept that we consider when implementing your asset allocation is that over time, one of the biggest risks to any asset allocation is holding too much cash. Yes, cash should be kept to maximize buying opportunities; however, it is important to understand that sitting in cash may cause a significant loss of purchasing power if used as a long-term investment because of inflation.
THE MOST SIGNIFICANT DETERMINANT TO ASSET ALLOCATION
A simple example of this is comparing gas prices in the 1980s to gas prices in 2000s. The most significant determinant to asset allocation is your time horizon because time is an investor’s best friend. The more time you have, the more risk and reward opportunities available. This is also why your asset allocation must be flexible and change as you get closer to your investment goal. It is our job to identify how to adjust your asset allocation and manage risk.
Dinesh Kumar Maheshwari is the Co-Founder of the Shashi Investments. Since 1998, He has focused on advising families with multi-generational wealth management. He has developed a dynamic process that provides clarity, comfort and confidence for his clients.
He believes wealth management is about more than just money. He has built Shashi Investments to serve the needs of families on a holistic basis, recognizing the intimate connections between parents, children, grandchildren and siblings, and viewing money as a tool to help family members achieve their goals. He understands that decisions about money are emotional as well as intellectual and that they are best made when the advisor and the client have a close and mutually respectful long-term relationship.
Shashi Maheshwari Co-founded Shashi Investments with her husband. She has 25 years of work experience in wealth management and financial services. She believes that, “We are stewards of our clients’ wealth, singularly focused on the attainment of their objectives.” While navigating the investment world, she realized that she wanted to use a passion for the markets to build an independent firm that truly aligned Advisor and client. The idea came to fruition with the launch of Shashi Investments.
Within 24 hours a Shashi Investment executive will call you. Yes, we take our relationships very seriously.
299 DADU MARG BARKAT NAGAR, 
+91-9829085571, +91-9314985571, 
shashi.dinesh64@gmail.com
