Goal-based planning: education, home and life goals
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Goal-based Plan
What is each rupee for?
Most people save, but few know what each rupee is for. We plan your money goal by goal: what each one will cost by the time you need it and how much to invest each month to get there.
Your goal-based plan is part of SahajMoney's fee-only financial plan, for a fixed ₹15,000 for the first year, including GST.
Who this is for
Parents planning for a child's higher education or wedding.
Anyone saving for a home down payment, a car or a sabbatical.
Couples with several goals competing for the same savings.
Anyone who invests regularly but can't tell whether it is enough for what they want.
What your goal-based plan covers
The real cost of each goal: today's cost, grown by inflation to the year you need it.
What to invest: the monthly SIP and any lump sum needed for each goal, after counting what you have already set aside.
Priorities when money is short: if your savings can't fund every goal yet, the plan allocates what you have by priority and shows which goals are fully or partly funded.
The foundations first: an emergency fund, insurance and costly debt dealt with before any goal, so one setback doesn't derail the rest.
What it costs and what is included
First year: ₹15,000 per couple, including GST. Your written plan within 2 weeks of approving the initial analysis, and a goal progress check at the 6-month review.
Renewal: ₹7,500 a year, including GST, with a goal progress check at each of 2 reviews a year. Renewal is optional.
Not included: placing transactions, direct stock tips, crypto and PMS.
Which goals can the plan cover?
Education, a home, a car, travel, a sabbatical and other life goals. Retirement has its own section of the plan.
What if I can't afford every goal?
The plan shows the gap honestly and lets you choose: invest more, push a date back, or scale a goal down.
Should I buy a house or keep renting?
We treat the home you live in mainly as a lifestyle decision, and check what it does to your other goals before you commit.
Tailored Financial Advice At a Price You Can Afford!
Speak to SahajMoney® advisor today to achieve your financial goals with confidence.