Imagine you are reviewing a client’s portfolio as a research analyst and notice a high-premium 'money-back' life insurance policy. Your task is to determine whether the capital tied up in this instrument is generating an...
Imagine you are reviewing a high-net-worth client’s portfolio, and you notice their business interests and personal liquid assets are titled in a way that suggests a lack of formal succession planning. During an audit of...
Imagine you are reviewing a client’s retirement portfolio during an annual advisory meeting. The client, a 62-year-old former business owner, proposes liquidating a commercial warehouse to fund a Systematic Withdrawal...
Imagine you are reviewing a high-net-worth client’s estate architecture as part of a comprehensive financial health audit. You encounter a Power of Attorney (PoA) document executed by a client who was, at the time, under...
During a routine portfolio review, an analyst often encounters a client who has successfully amassed a corpus of ₹5 crore. While the headline number appears robust, the analyst must resist the urge to validate this...
Imagine you are drafting a comprehensive financial plan for a mid-career professional who relies solely on their employer-provided group life insurance. As a research-minded adviser, you immediately flag this as a...
Imagine you are drafting an investment note for a high-net-worth client who has been pitched a 'Return of Premium' (ROP) life insurance policy. The agent emphasizes that the client will receive every rupee of their...
During a portfolio review, a client presents you with two insurance proposals: a traditional participating endowment plan and a Unit Linked Insurance Plan (ULIP). As an analyst, your task is to strip away the marketing...
During a client portfolio review, you may encounter a situation where a high-net-worth individual is advised to bundle their home loan with a proprietary mortgage insurance plan offered by the lending bank. As an...
Imagine you are performing a deep-dive valuation on a manufacturing firm preparing to list on the NSE. As you pore over the 'Notes to Accounts' in the annual report, you notice a significant discrepancy between the...