Review, Rebalance, and Reset

Welcome to the third edition of The Multigenerational Wealth!

In this issue, we focus on three critical elements of any successful financial blueprint: Review, Rebalance, and Reset. These actions ensure that your financial strategy remains aligned with your goals, especially as life circumstances and market conditions evolve.

REVIEW

As the famous quote says, “Whatever is not tracked is not delivered.” Regularly reviewing your financial blueprint is the foundation of long-term success. This involves checking the performance of your investments and assessing how changes in the financial environment might affect them. Whether it’s sector-specific trends or regulatory changes, such as SEBI rulings, staying informed is key to making the right adjustments.

At least once a year, take the time to sit down and review your portfolio, examining factors such as your :

• Addition or changes in your needs/dreams
• Your saving pattern and is portfolio aligned as per your needs
• Cash flow/asset allocation

REBALANCE

Rebalancing is the next step after a thorough review. This is when you move funds between schemes or asset classes in response to changes in the overall asset allocation/asset holding. The whole objective of re-balancing is to invest more in under-priced asset and less or take out from overpriced/overvalued asset. This exercise done consistently helps investor earn extra alpha from their portfolio.

Key times to rebalance:

• Annually same date/month every year
• After a major life event, like a job change or new family responsibilities

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Remember, patience is critical—investments need time to show reasonable returns.

RESET

Sometimes, life throws unexpected changes our way, and this is where a financial reset becomes necessary. A reset is essential during major life transitions, such as relocating or a change in marital status. During this process, it's vital to:

• Take stock of your assets and debts
• Revise your budget to increase savings
• Ensure your emergency fund is adequate

A reset ensures that your financial blueprint is aligned with your current situation, keeping you on track to achieve your long-term goals.

PERSONAL GROWTH A 10-Day Experience That Changed Me

Imagine disconnecting from the world for 10 days—no phones, no talking, no distractions. That’s what I experienced recently during a Vipassana meditation program, and it was transformative.

Vipassana, meaning “seeing things as they really are,” focuses on Noble Silence and deep introspection. I realized I hadn’t been consciously silent for even 15 minutes before this experience. The first three days were dedicated to Anapana—observing the breath and body sensations. By the fourth day, we practised Adhitthana, cultivating strong self-determination by remaining still for extended periods.

This practice of focused determination is something I found incredibly useful not just personally, but professionally as well. It’s a reminder that with discipline and focus, great results follow.

If you’re ready for a challenge that can transform your mindset and focus, I highly recommend Vipassana.

?Final Thoughts

Regularly reviewing, rebalancing, and resetting your financial blueprint keeps you in control of your wealth-building journey. This proactive approach ensures that you remain aligned with your financial needs, no matter what changes come your way. By keeping your investments in check, you protect your future and create a solid foundation for multigenerational wealth.

Let’s continue to take these steps together to ensure your financial blueprint evolves with you.

Ready to take control of your financial future? Book a call with us today and let's start your journey towards multigenerational wealth. Stay informed, stay disciplined, and let's build wealth together!

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See you next month…

Srinivas V