Mr. Z. is a 35-year-old, single; IT specialist started his own
venture and wanted to buy a house. Simultaneously he
wanted to build a corpus for his retirement.

When he came to us he was a bit worried that buying a house
may affect his other recent and upcoming plans. He wanted
to stabilize between his start-up, a house, and a retirement
plan.

He came to us with a very clear view.

We worked with him and pinpointed his goals and priorities.
When we started to discuss his house, we figured out
what amount of loan has to be taken, how the down
payment can be arranged as so on. Secondly for his startup,
we recommended him to have funds in his liquid funds so
that as a when needed he can utilize his fund.

Further, based on his standard of living, we formulated a
decent amount of monthly investment which has to be done.
Considering retirement to be his long-term goal, we
suggested his equities. We also laid out insurance plan so if
he ever become disable or critically ill, he does not have to tap
on to his retirement savings.

He being into a start-up business, we can convince him to
have a separate emergency fund in case of failure which
would take care while he recovers his start-up losses.