From College Education To A Fully Funded Family Plan
About Their Journey
When Mr. Dhadwal began investing in 2016, his primary focus was straightforward: preparing for the future education expenses of his two sons, Dhruv and Rishabh.
As the years progressed, his planning expanded beyond education. Retirement planning, marriage goals for both sons, support for Rishabh's swimming career and a legacy fund gradually became part of the same long-term roadmap.
Rather than treating each goal separately, he preferred understanding the impact of every investment and redemption decision on his goals before taking action. That approach helped him build a plan that evolved alongside his family's needs.
Client Snapshot
- Client
- B S Dhadwal, 55
- Location
- Chandigarh
- Profession
- Assistant Professor, Punjab University
- Investing with FinEdge
- Since 2016
Client Goals
Dhruv's Graduation
Achieved in 2023
Rishabh's Swimming Expenses
Achieved in 2023
Rishabh's Post Graduation
2027
Retirement Planning
2030
Dhruv's Marriage
2031
Rishabh's Marriage
2037
Legacy Fund
Ongoing
Process
Building each goal one milestone at a time.
Funding education as milestones arrived
In 2023, Dhruv's graduation goal was successfully achieved. During the same period, funds were also available for Rishabh's swimming-related expenses as planned.
Preparing early for the next major priority
Rishabh's post-graduation goal, due in 2027, has already been accumulated. The corpus is now largely derisked to help preserve its value and reduce the impact of short-term market volatility.
Expanding the plan as life evolved
As new priorities emerged, additional goals were incorporated into the plan without disrupting existing ones — retirement planning, Dhruv's marriage, Rishabh's marriage, and a long-term legacy fund.
Making decisions through the lens of goals
Before making investment or redemption decisions, Mr. Dhadwal consistently evaluated how they would affect the goals that mattered most to him, helping maintain alignment between his portfolio and his family's priorities.
Impact
Today, several important milestones have already been completed, while others are well prepared for the years ahead.
The education goals that started the journey have largely been delivered as planned. Dhruv's graduation goal was achieved in 2023, while funding for Rishabh's swimming development was also successfully utilised.
Looking ahead, the corpus for Rishabh's post-graduation goal in 2027 has already been accumulated and positioned more conservatively to help protect its value.
Retirement planning remains on track for 2030, meaningful amounts have been accumulated towards both sons' marriage goals, and a substantial legacy fund continues to grow.
What began as planning for college education has evolved into a structured plan supporting multiple generations and multiple life milestones.
Client's Voice
My investment manager empowered me to turn my financial dreams into reality through clear, actionable steps and unwavering support.
