What We Offer
Complete financial services for individuals and businesses.
SBNCo provides end-to-end financial services designed to simplify wealth management for individuals and businesses.
Our services are built on transparency, compliance, and long-term value creation.
Core Components of Personalised Financial Planning
1. Personal Profile & Cashflow Mapping
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Income sources
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Monthly spending patterns
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EMIs / liabilities
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Lifestyle needs
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Emergency reserves
This forms the baseline of what is possible and sustainable.
5. Tax Optimisation
A real personalised plan minimises tax leakages:
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Location of investments (FD vs debt funds vs bonds)
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Tax-efficient withdrawals
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Capital gains planning
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Residency-based rules (very important for NRIs)
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DTAA usage
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Repatriation strategy
2. Goal Identification & Prioritisation
Every individual has different goals:
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Buying a home
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Retirement corpus
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Child education
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Passive income
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Global investments
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Starting a business
Each goal gets:-
a timeline
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a target amount
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a priority ranking
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a funding plan
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6. Risk Management & Protection
This covers:
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Life cover need
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Health cover optimised for residency/country
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Liability cover
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Emergency fund ratio
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Asset protection planning
3. Risk Profiling (Psychological + Financial)
A personalised plan evaluates:
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your risk tolerance (emotionally)
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your risk capacity (financially)
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your risk requirement (mathematically)
This determines the ideal asset allocation—equity, debt, real estate, gold, global assets, alternatives.
7. Investment Strategy & Product Selection
Only once the above are defined, we choose products:
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MFs
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Bonds
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FDs
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PMS / AIF
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US stocks
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India equity
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NPS
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Real estate
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Treasury bills
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Gold (SGB/ETFs)
This ensures you are not product-sold, but goal-served.
4. Asset Allocation Strategy
Asset allocation drives 90% of long-term returns.
Planning includes:
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Core vs satellite investments
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Domestic vs international exposure
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Market volatility cushioning
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Liquidity planning
8. Monitoring, Rebalancing & Reporting
A plan is not a one-time document.
It needs:
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periodic rebalancing
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optimisation based on market conditions
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milestone tracking
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changes in income or life events
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quarterly reviews