Investment & Financial Planning

Investment Advisory

Fee-based, commission-free investment advisory — aligning investments with tax planning to maximise post-tax returns and achieve financial goals.

What This Covers

Investment Advisory

Investment decisions and tax planning are deeply interconnected. CA Jatin Karda & Co. provides objective, fee-based investment advisory — without commissions from any product provider. Advice integrates tax implications, liquidity, risk profile, and financial goals.

  • Tax-saving investment review (Section 80C, 80CCD, 80D)
  • NPS advisory and contribution planning
  • Debt vs equity allocation based on risk and time horizon
  • Loan structuring — home loan, business loan, overdraft advisory
  • Business valuation for partner buy-out or M&A
How It Works
01
Financial Goal Assessment
Personal or business goals, time horizons, and risk tolerance assessed through structured discussion.
02
Current Portfolio Review
Existing investments, insurance, loans, and tax liabilities reviewed for gaps and opportunities.
03
Tax-Investment Integration
Optimal investment mix identified — balancing tax saving with liquidity, returns, and goals.
04
Advisory Note Delivery
Written advisory with specific recommendations, rationale, and implementation steps.
05
Annual Review
Year-end review to assess performance, rebalance, and plan for the coming year.
What You Receive
Financial Goal Assessment Report
Current Portfolio Review Note
Tax-Investment Optimisation Advisory
Annual Financial Planning Note
Loan Structuring Advisory (if applicable)
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Talk directly with CA Jatin Karda — clear, honest advice with no obligation.

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Mon – Sat  ·  10:30 AM – 8:30 PM IST
Ideal For

Who Needs This Service?

Investment advisory is relevant for individuals optimising savings and business owners integrating personal and business financial planning.

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Salaried Individuals

Maximising 80C deductions, HRA, LTA, NPS while maintaining liquidity.

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Business Owners

Integrating personal investment planning with business cash flows and loan requirements.

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NRIs

DTAA-aware investment planning for NRIs with investments in India and abroad.

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Pre-Retirement Planning

Individuals 5–10 years from retirement needing structured corpus creation and withdrawal strategy.

Common Questions

Frequently Asked Questions

No. Our advisory is strictly fee-based. We receive no commissions from mutual fund houses, insurance companies, or any financial product provider.

NPS provides additional deduction of up to ₹50,000 u/s 80CCD(1B) — over and above the ₹1.5 lakh 80C limit. For 30% bracket, saves ₹15,000 in tax annually.

Methodologies include DCF, book value/NAV method, and earnings multiple/EBITDA approach — selected based on purpose (M&A, partner buy-out, investor entry, or compliance).

Yes — depends on loan interest rate, tax benefit on interest, investment return expectations, and risk profile. We provide structured analysis for your specific situation.

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