GV Investor Services LLP

30/09/2026

27/09/2026

Choice To Accept Or Decline A Gift
A tale is told about the Buddha, Gautama (563-483BC), the Indian prince and spiritual leader teaching found Buddhism. This short story illustrates that every one of us has the choicewhether or not to take personal offence from another person's behavior:It is said that on an occasion when the Buddha was teaching a group of people, he found himself on the receiving end of a fierce outburst of abuse from a bystander; who was for some
reason very angry.
The Buddha listened patiently while the stranger vented his rage, and then the Buddha said
to the group and to the stranger, "If someone gives gift to another person, who then chooses
to decline it, tell me, who would then own a gift?"
"The giver," said the group after a little thought. "Any fool can see that,"added the angry
stranger."Then it follows, does it not, " said the Buddha, "Whenever a person tries to abuse us, or to
unload their anger on us, we can each choose to decline or to accept the abuse; whether to
make it ours or not. By our personal response to the abuse from another, we can choose who
owns and keeps the bad feelings. '
Happy Reading!!!

26/09/2026

Goal-Based Planning: Turning Financial Dreams into Measurable Goals

Financial planning is not just about investing money. It is about giving every rupee a purpose.

Whether your goal is buying a home, funding your child's education, planning for retirement, or building long-term wealth, every goal has a different time horizon, priority, and financial requirement. This is where Goal-Based Planning becomes important.

Start With the Goal, Not the Investment

A common mistake investors make is choosing an investment first and then deciding what to do with the returns.

Goal-Based Planning takes the opposite approach.

First, define what you want to achieve, when you want to achieve it, and how much you may require. Your investment strategy is then designed around that goal.

For example, ₹50 lakh required after 5 years is very different from ₹50 lakh required after 20 years. The strategy can change based on the time horizon, inflation, risk capacity, and expected returns.

Every Goal Needs a Different Strategy

Not all financial goals should be treated the same way.

A short-term goal may need greater focus on capital stability and liquidity, while a long-term goal may provide more scope for growth and compounding.

A well-structured plan considers:

Goal amount
Time horizon
Inflation
Risk capacity
Expected returns
Existing investments

This transforms investing from a collection of products into a structured financial strategy.

Track Progress, Not Just Returns

A portfolio generating 12% returns may look impressive. But the more important question is:

"Are we on track to achieve the goal?"

Goal-Based Planning shifts the focus from short-term market performance to long-term progress.

Instead of asking, "Where should I invest?", start asking:

"What am I investing for?"

Because successful investing is not just about chasing returns.

It is about achieving the right goal, at the right time, with the right strategy.
Name: Bharat Sharma
Firm Name: GV investor services LLP
Mobile: 8875855888
Email: [email protected]
Website URL: www.gvllp.in
Mutual Funds: AMFI Registered Mutual Fund Distributor
ARN Number: 322135
SIF Distributor: AMFI Registered SIF Distributor