Let me ask you a question — does having brakes in a car make you drive faster or slower?

Sounds tricky? Most would say slower, but in reality, brakes help you drive faster — because you know you can stop safely whenever needed. You’re not afraid of speed when you have control.

Now, apply the same analogy to your personal finances.

What’s the brake system in your financial portfolio?

It’s made up of three key components:

 Asset Allocation – spreading wealth across different asset classes.

 Diversification – spreading investments across strategies within an asset class.

 Protection – having adequate health and life insurance.

With these in place, you can confidently navigate your financial journey, no matter the speed bumps along the way.

They make your financial planning journey safer, more predictable, and more certain.

So, while chasing your financial goals, take a moment to check —

Are the brakes in your financial portfolio working well?

It’s far more important to reach safely than to reach early.

Happy Financial Planning!

Naveen Julian Rego – CFP®

MD & Principal Officer

Date: 08-11-2025

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