Your first meeting can take up to two hours. In this time we address your goals and objectives, current financial position and personal situation. It is an opportunity for us to get to know you and you to assess whether we are the right fit for you. If you have brought your financial documents or copies of them, this will speed up the process. This investment of time ensures we understand you and what you are looking for.
During your first appointment, we will establish why you are seeking financial advice, what your goals are and what you expect from us. To assist us, we ask that you bring in as many documents as you can, such as photo ID (PAN Card & Aadhaar Card), tax returns, superannuation, loan and bank statements, copies of wills, insurance details, and/or a budget.
Your initial appointment with Unbox Money is provided free of charge. If you decide to proceed, we will prepare an Initial Statement of Advice, which will cover all advice, implementation, appointments, phone calls and any other requirements you might have for the first twelve months.
At the initial consultation, we provide you with a fact sheet and scheme related offer documents and risk associated with the investment. You should take the time to read all documents carefully before signing and returning to us. There is no rush to make a decision and typically clients take one day to two weeks to make a decision. We commence work once a signed documents received from the client.
We do not offer accounting services. We are happy to work with your existing accountant or we can provide a referral to an accountant if you do not have one. Similarly, we are not lawyers and do not do legal work. We will happily work with your existing lawyer or refer you to one if you don’t already have one.
Our investment consultation component involves providing information about the types of investment vehicles available, advice on stock options, investment analysis and strategies, asset selection and portfolio design, as well as assisting you with your investment account if it is maintained at another broker/dealer or custodian.
After a thorough and detailed analysis of the client’s specific circumstances, an Investment Policy and detailed Implementation Plan is constructed for the client’s review, consideration and approval. Unbox Money primary goal is to be thoughtful, detailed and consistent when dealing with the client’s legacy of wealth.
We use index funds to invest in efficient markets, where the probability of consistent outperformance is close to zero (especially after taxes and fees). However, we will utilize actively-managed funds in inefficient markets, if we are confident that the manager has the potential to profitably exploit the inefficiencies (again, net of taxes and fees). Consequently, we use index funds to invest in equity and active funds to invest in bonds (although we will sometimes use passive funds to invest in bonds too, depending on the market environment).
You can pay by cheque, RTGS/NEFT, and NACH mandate.
Unbox Money philosophy is founded on historical perspective and market knowledge. History has shown that investment cycles repeat themselves, providing a range of expected performance, however, it is not reasonable that one can “time” buying or selling within a market cycle. We believe that a diversified portfolio that is thoughtfully structured and implemented will provide an investor with a greater likelihood of better, more stabilized performance through these market cycles.