Your income is irregular.
Your planning shouldn’t be.
Standard financial planning assumes a monthly salary. You have good quarters and lean ones, surpluses that arrive in lumps, and business and family money that keep getting tangled up.
Standard advice assumes a salary
Fixed monthly income, a predictable tax bracket, steady expenses: build the SIP around the salary and you’re done.
Business owners have surpluses that need a home quickly, big payments that arrive without much warning — GST, vendor advances, expansion — and a personal financial life tied up with the business. A generic plan isn’t wrong for you. It just doesn’t apply.
₹50 lakhs, three different jobs
A client comes to us with ₹50 lakhs sitting in a current account after a good quarter. Some of it the business will need soon. Some of it could stay away for years. So it doesn’t go into one fund.
Needed in about 6 months
Liquid or arbitrage funds
Needed in about 18 months
Short-duration debt funds
Can stay 5 years or more
Equity funds
Illustrative. The amounts and funds depend on your business’s cash-flow cycle.
Liquid funds pay us a fraction of what equity funds do. For money you need in six months, we recommend them anyway.
What we focus on for business owners
Separating business cash from family wealth
Working capital and family wealth have different purposes, timelines and risks. Treating them as one pot puts both at risk. Drawing that line is usually where we start.
Wealth that doesn’t depend on the business
Your business is already a large, concentrated, hard-to-sell asset. We build a personal base alongside it, steadily, so a bad year for the business doesn’t shake your family’s finances.
Tax that reflects how you’re paid
Business income, director’s pay, dividends from your own company and capital gains all interact. We flag when a decision will cost unnecessary tax, and when doing things in a different order saves money.
Planning for the unexpected, and for later
What happens to your personal investments if you’re unwell for a long stretch, or when it’s time to pass wealth to the next generation? We raise it early. It’s not morbid; it’s responsible.
Your finances are as complicated as your business.
They deserve planning that’s just as specific.
CurateMyMoney is an AMFI-registered mutual fund distributor (ARN-184811). Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.