Introduction :
After working for about 15 years in financial services sector, Unmesh Deshmukh decided to start on his own in 2012. Unmesh deshmukh wanted to continue practice in Financial Services or Investment Advisory. However, lure of stock trading and many of his colleagues being in the same field made me deviate from my original plan, And why not, stock trading was easiest money-making tool, as he was advised that time. Unmesh deshmukh gained substantial knowledge about trading and started with a great enthusiasm putting most of my savings in to it.
Journey of Unmesh Deshmukh
Some of my close friends and relatives also invested believing in me. But my adventure didn’t go well. In my early days, I lost about 40 Lac in stock market trading. No, it was not because I did not have knowledge, but because I was not disciplined. I learnt investing discipline the hard way.
Then I started core practice in investment advisory. In my investment advisory practice, I became a staunch advocate of investing discipline. That’s when I built our proprietary 4 F model. 4 F denotes – Foundation, Fitness, Freedom and Freedom Plus in Investing. As a part of this model me and my team rigorously followed investing basics like Risk Profiling and Asset Allocation. As a result, we invested in well- diversified and perfectly balanced portfolio for our clients. This reaped enormous results for myself and my clients over next few years. During my practise I have seen people creating substantial Wealth, not because they earned great returns but because they were disciplined and consistent.
When we were building online presence for our business, we noticed that there is a large segment of young and middle-aged investors who invest online in Mutual Funds and Stocks on the basis of past returns, without any due diligence. These investors lack consistency, discipline as they do not follow long term approach and basics like investing for Goals using methods of Risk Profiling and Asset Allocation. That’s when the idea of GravyT born. And we decided to build a Mobile and Web Application which can serve masses for creating a long-term systematic wealth.
A friend, Omprakash Rawat from an established business family wanted to invest some amount. That’s how Rawat family put an initial investment. Chetan is a college friend and having worked for 20 years in core Software development decided to join in. Himanshu, old colleague of mine and a hardcore Insurance Sales professional wanted to start on his own when he decided to join the hands. Sandeep with extensive software development skills joined in. Core team Aditya, Manasi, Jitendra, Rucha, Purva, Suyash, Amol, Kailash, Anket and Supriya are core team members playing vital role in laying the bricks.
The core concept of GravyT is based on 4F strategy as explained above. We have incorporated basic principles of Foundation, Fitness, Freedom and Freedom Plus in the Application.
To make it super simple, we have built ready-to-invest Mutual Fund Portfolio called Platters. One can invest in these Platter in just few clicks.
In earlier days we used to go to a Tailor to stitch clothes. We all know how cumbersome it is. These days we go to a mall which has variety of shirts hanging out there. Shirts of various sizes, colours, fabric, styles and budgets. We just have to find the one suitable for us.
Platters are very similar to readymade Clothes shirts. In the App GravyT you will find various Platters designed around various investing needs such as Time Frame, Risk, Returns, Asset Allocation. You will find Platters suitable for investing goals such as Education Planning, Retirement Goal, Vacation Plan, Purchase of House or a Car. Platters can be found around various themes such as Good for New investors, Ideal for Risk Takers, Platter for Long Term Wealth Creation, Platters for Stable Investment Growth.
These Platters are combo of Mutual Fund schemes. The schemes are complimentary to each other in every Platter and selected after a detailed study. Onley the well-researched and top performing Mutual Fund schemes are considered as a part of a Platter.
GravyT app also has a section named Hand-picked Platters. In this section the application selects perfect Platter for you based on your Investment Profile.
If an investor is well- aware of the MF schemes and can choose his own scheme, he can get into the Funds section and choose a scheme from among 5000 MF schemes.
GravyT also has various other sections such as calculating your Financial Strength. Here you can measure and improve your Financial Strength based on few simple parameters. This way building a strong Financial Foundation. One can assess his Investment or Risk Profile in the Investment Profile section. Goal Planning section helps calculating the amount required to be invested for each goal.
I believe strongly in investing with a purpose and discipline. Over the years, we have seen investors building their wealth gradually. I have strong desire to take this model available to as many investors as possible. That’s how GravyT is born.
You can download GravyT App here:
Visit website gravyt.in here
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