About Us
Kyron Finserv
At KyRon Finserv we provide a structured approach to your wealth creation journey by partnering as your trusted financial advisor.
Our mission is to provide a personalized framework and execution path to our esteemed clients helping them achieving their financial goals.
The range of services caters to the core pillars of any financial plan including Investment Planning, Retirement & Tax Planning and Insurance & Estate Planning collaborating with certified and proven industry experts in our organization.
Mutual Fund
As an Amateur – How to build an Equity Stocks Portfolio ?
If you are new to direct equity investing and wondering how to start - best approach would be to do what Mutual Funds do in terms of setting up their portfolios. Below are quick 10 pointers to get started,1. Diversify - across sectors, across businesses, across geographies as well.2. Invest only after you have understood the most basic aspect of how the company generates profits or plans to in the near future (new-age businesses).3. Better to allocate major portion atleast 90% of your investments in to proven businesses- proven means a business which is profit making across longer business cycles (2-3 decades plus).4. The remaining 10% could be your riskier bets including new age businesses - key aspect is you know you may lose all this money while you learning basics of reading financial statements, understanding business cycles, new age valuation theories and differences in various sectors.5. Try and invest in what you can touch/feel/experience in your daily life - e.g FMCG products, Autos,Paints, Banks,Jewellery are common examples. It will start to make you look at the finer aspects of why some businesses doing well over others. The reason maybe You! You prefer certain toothpastes, beauty products, cars or e-comm over others. That would be the basic moats of the businesses.6. Stay away from sectors or stocks which don’t fit in to criteria of #5 - e.g specialty chemical or CRAMs create no instant recall in our minds - you need time to evaluate such businesses.7. Learn to stay with a business at least for 4 quarters initially. read and attend their quarterly conference calls. Anything less than that would not give you enough time to understand what they do or can in the future.8.Start with moderate returns expectations - little more than FD rates per year.9. Build conviction and concentrate more as you understand businesses better than just that random tip, news noise and volatility of the stock price.10. Ground to the fact that this is a 24*7 learning process. You never become a true expert at predicting markets, stock price etc. It’s ever evolving and ever changing and that’s what makes it an ever-fertile learning ground.
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Direct Stocks or Mutual Funds Hi Sahi Hai?
In today’s hyper flow of information and data, making a quick and clear choice has become more time consuming than actually executing a decision. Most common example of this I can relate to is how every weekend when we sit as a family to watch any movie, the initial time is spent just browsing the plethora of apps (Netflix, Sony Liv, Disney Hotstar, Amazon Prime) and its options thrown to you. … Direct Stocks or Mutual Funds Hi Sahi Hai?Read More »
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Plan for your Retirement – Your time is running out !
Why Retirement PlanningThe concept of retirement planning has gained ground in recent years with the rapid urbanization and increase in nuclear families. Gone are the old days when it was a big joint family taking care of each other’s daily needs and providing support during difficult times – both monetarily and physically. In today’s times, with the independence that the younger generation yearns for, also comes the added baggage of being on your own in anything and everything. This becomes more pronounced as the family grows with children having to be taken care of, domestic chores, safety needs, etc. The actual expense associated with running a house and taking care of family has skyrocketed exponentially over the last decade. To add on top of it, our own lifestyle has undergone a sea change due to various factors. In an urban city, it's unimaginable for a family, especially if both partners are working professionals, to conduct their daily chores without the helping hands – maids for household chores, the cook for taking care of meals, the driver for transport needs et al. We are today surrounded by the assistance which takes a significant toll in our monthly expenses. Unfortunately, some of these lifestyle changes are never really going to go away – yes some of them may be automated with driverless cars or that robot that can clean your house but those are going to be ongoing expenses too in some form or the other!Sandwich Generation?If you are in your mid 30’s or early 40’s you are known to be the ‘Sandwich Generation’ – the one who needs to take care of their parent's financial wellbeing coupled with your own children’s ongoing educational and other expenses. Older generation parents expect this, and rightfully so, as their children’s basic duty towards them which they fulfilled for their own parents as well. But would it be wise for us to expect the same from our children? Probably not! Our children are growing up in very different times and expectations. We are inculcating in them the virtue of being independent in their thoughts, work ethics, and preferably their career choices as well. Not anymore the engineer, doctor, or default career choice that was forcedupon us as the only way out of lower-middle-class poverty in India 😊! Today, with the economic strides India has made over the last two decades, the career choices are innumerable and we encourage our children to explore it to the hilt and for as long as they would like till they “find their calling” – interim expenses fully paid and borne by the parents. Whilst we pamper and encourage this to vary degrees of affordability, depending on how well we earn today, it would be imprudent for us to expect that these same children will grow up to become adults who would tolerate that their own parents are going to be dependent on them in any manner.So What Next?Let’s first understand in financial terms what do we need to prepare for. If you have perennially stayed away from terms like inflation, compounding, real return rate, etc. cos they sounded too complicated, now may be the right time to start understanding the basics of it to secure your old age and future.Foremost and the first step towards what we are headed towards will be clearer from the illustration below on how our expenses will grow (in those real INR terms) over the next 5, 10, 20, 30, and 40 years. We keep hearing that statement from our parents that during our times we used to buy that bread packet for just Rs 5/-, bananas were sold in dozen and not kgs and so on and so forth! This is exactly “Inflation” eating into the purchasing power of you, me, and everyone on a daily basis. Extrapolate this to your children’s ever-increasing educational fees, online tuition fees, that sports sir’s fees, or that music class teacher’s fees and you would get the gist. Yes, with retirement and children being on their own, the monthly expenses would come down but they wouldn’t go away permanently. And they would only increase year on year!Illustrations with assumptions on inflation – not real figures!How to Plan for RetirementRetirement Planning should be your No 1 priority in today’s times. Rest all goals, though important, cannot overtake the priority of retirement planning for the simple fact that these are the years when we would be on our own, possibly not earning any income and inflation eating away into our savings. To add to this, old age invariably would bring about its own medical challenges, unless you are supremely fit with excellent genes passed on to you by your ancestors! We need to circle in those medical expenses in addition to our daily, monthly needs. Knowing how much we would need is half work done. The next critical step is to start investing separately for this corpus in a very disciplined manner. Time, which works against us due to inflation year on year can also work in our favor for the same investments made month on month. That’s the compounding magic at play. The below illustration gives a good glimpse of what corpus you could build with a small amount starting today and live carefree senior years. If planned well, you could actually end up giving back to society and your near and dear ones in a meaningful manner right till your sunset year!A monthly SIP of around 80% of the current monthly expense, increased by the same amount after every 5 years, can lead to a comfortable savings corpus at retirement age as shown in the illustration. Illustration with assumptions on inflation and ROIs – not real figures!To ConcludeRetirement Planning Savings is the key to your stress-free and healthy living during your sunset years, a time when you should be enjoying with your grandchildren, vacationing with your spouse, and living life to the hilt without any financial worries. Start that SIP today!
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Here is What Our Clients Have to Say
Rohan Krishnan
I’ve been a client with Kyron Finserv for 4 months and it’s been an excellent experience. Their onboarding process is seamless, and they maintain transparency throughout. They’re always prompt in addressing my queries, and Prasad’s expertise shines through in portfolio discussions. Their focus on goal-oriented growth, not blind returns, aligns perfectly with my financial plans.
Rohan Krishnan
I’ve been a client with Kyron Finserv for 4 months and it’s been an excellent experience. Their onboarding process is seamless, and they maintain transparency throughout. They’re always prompt in addressing my queries, and Prasad’s expertise shines through in portfolio discussions. Their focus on goal-oriented growth, not blind returns, aligns perfectly with my financial plans.
Abhishek Garg
I met Prasad (Kyron Finserv), via a common friend, who highly recommended him. I was not into investments, but after talking to Prasad, I am truly grateful for his expertise and guidance in planning my long-term investments. His deep understanding of market trends and personalized approach helped me feel confident in my financial decisions, he took the time to explain complex concepts clearly and tailored the plans to align with my goals, which has made all the difference. I truly appreciate his professionalism, attention to detail, and commitment to my success. Thank you for your professionalism and support—I look forward to continuing this successful partnership!!
Abhishek Garg
I met Prasad (Kyron Finserv), via a common friend, who highly recommended him. I was not into investments, but after taking to Prasad, I am truly grateful for his expertise and guidance in planning my long-term investments. His deep understanding of market trends and personalized approach helped me feel confident in my financial decisions, he took the time to explain complex concepts clearly and tailored the plans to align with my goals, which has made all the difference. I truly appreciate his professionalism, attention to detail, and commitment to my success. Thank you for your professionalism and support—I look forward to continuing this successful partnership!!
Priyanka Nemade
Having advice from Kyron Finserv and working with Prasad for my personal finance and tax planning has given me an extensive and deep understanding at how I must plan my finances. His approach is detailed in expenses, earnings and subsequent future planning. One begins to think on those lines and has a huge impact on our financial goals. Factoring personal goals, inflation and pension pool saving and investment becomes a fuss free job! His guidance is not like someone who put you on diet for cutting corners.. His approach is systematic and goal oriented. Like for women who work today, having a financial advisor and long term investment planner is paramount and Kyron just fulfills that in every way!
Priyanka Nemade
Having advice from Kyron Finserv and working with Prasad for my personal finance and tax planning has given me an extensive and deep understanding at how I must plan my finances. His approach is detailed in expenses, earnings and subsequent future planning. One begins to think on those lines and has a huge impact on our financial goals. Factoring personal goals, inflation and pension pool saving and investment becomes a fuss free job! His guidance is not like someone who put you on diet for cutting corners.. His approach is systematic and goal oriented. Like for women who work today, having a financial advisor and long term investment planner is paramount and Kyron just fulfills that in every way!
Kiran Naik
I got in touch with Kyron Finserv last year and it has been a fantastic experience till now. Prasad and team spent a good time with us initially, to understand the goals and expenses in detail and then suggested the best suitable plan. In today’s world of information overload and continuous monitoring, it’s easy to get misguided for short team gains. On this aspect especially, I found Prasad very grounded and focused on my particular goals, which has in turn kept me unperturbed by the day to day happenings in the market. Wishing Kyron Finserv all the very best and looking forward towards a long partnership.
Kiran Naik
I got in touch with Kyron Finserv last year and it has been a fantastic experience till now. Prasad and team spent a good time with us initially, to understand the goals and expenses in detail and then suggested the best suitable plan. In today’s world of information overload and continuous monitoring, it’s easy to get misguided for short team gains. On this aspect especially, I found Prasad very grounded and focused on my particular goals, which has in turn kept me unperturbed by the day to day happenings in the market. Wishing Kyron Finserv all the very best and looking forward towards a long partnership.
Imran Mohammed
My experience with KyRon Finserv for my financial planning has been very good. Prasad was very thorough in gathering all the required information necessary for financial planning. After that the plan was prepared and explained to us and then all the agreed plan items were executed in a very seamless and professional manner. I feel very confident of reaching my financial goals.
Imran Mohammed
My experience with KyRon Finserv for my financial planning has been very good. Prasad was very thorough in gathering all the required information necessary for financial planning. After that the plan was prepared and explained to us and then all the agreed plan items were executed in a very seamless and professional manner. I feel very confident of reaching my financial goals.
Keshav Maheshwari (SAP Lead – Rayven IT Solutions)
Palak Khemani (CA – Audit Manager – Deloitte Consulting US)
Hyderabad, India
KyRon Finserv has been very helpful in our financial goals mapping particularly future needs of our son’s higher education and our own retirement planning. As we stepped in to parenthood it was critical to assess these needs and have a roadmap in place to achieve the milestones. Their personalised approach to mutual fund investments has given us the confidence and instilled a discipline which should help us in the long run. Wishing them the best and would recommend their services for planning your financial well-being.
Keshav Maheshwari
Palak Khemani
KyRon Finserv has been very helpful in our financial goals mapping particularly future needs of our son’s higher education and our own retirement planning. As we stepped in to parenthood it was critical to assess these needs and have a roadmap in place to achieve the milestones. Their personalised approach to mutual fund investments has given us the confidence and instilled a discipline which should help us in the long run. Wishing them the best and would recommend their services for planning your financial well-being.
Harsha Nair
The advice given by Prasad and team has really helped me understand the importance of financial planning and money growth. I found the advice reliable and looking forward to many more years of growth together !
Harsha Nair
The advice given by Prasad and team has really helped me understand the importance of financial planning and money growth. I found the advice reliable and looking forward to many more years of growth together !
Dipen Gada
The man behind KyRon Finserv is a very dynamic person and has influenced me in many ways. From the time when Prasad became my financial advisor, things around have changed in terms of my financial stability and thought process. setting goals and planning long term investments. I had never given it much importance earlier but have positively changed with help of Prasad and his team.. Thank you and all the best to the entire team.
Dipen Gada
The man behind KyRon Finserv is a very dynamic person and has influenced me in many ways. From the time when Prasad became my financial advisor, things around have changed in terms of my financial stability and thought process.. setting goals and planning long term investments. I had never given it much importance earlier but have positively changed with help of Prasad and his team.. Thank you and all the best to the entire team.
IRFAN (New Zealand Trade and Enterprise – Mumbai)
SONALI (Tata Consultancy Services)
Most people aspire to be financially planned and savvy, but in reality, don’t know how to start and hence find it very daunting, to begin with. What is unique about Prasad is, that he makes the process very comfortable for you. In addition to his deep integrity and financial acumen, he is a very patient listener and communicates with empathy. He simplifies your financial planning process irrespective of where you are on that journey. We have begun ours, thanks to Prasad and his team at Kyron. We wish Kyron Finserv all the best, and are very happy to recommend them to start your financial planning journey today.
IRFAN
SONALI
Most people aspire to be financially planned and savvy, but in reality, don’t know how to start and hence find it very daunting, to begin with. What is unique about Prasad is, that he makes the process very comfortable for you. In addition to his deep integrity and financial acumen, he is a very patient listener and communicates with empathy. He simplifies your financial planning process irrespective of where you are on that journey. We have begun ours, thanks to Prasad and his team at Kyron. We wish Kyron Finserv all the best, and are very happy to recommend them to start your financial planning journey today.
Harish Wani – Director – LTMindtree (Mumbai)
Savita Wani – Director – Accenture (Mumbai)
KyRon Finserv has provided me with end to end solution for all my financial planning and execution needs. Their well-structured and personalized financial planning report helped me understand the investments required for my children’s education, marriage, and other financial goals along with the most critical – post-retirement needs. Being new to mutual funds, having a guided approach has been very helpful and I am a lot more assured and confident of achieving all my financial goals. Thanks to the team and Prasad.
Harish Wani
Savita Wani
KyRon Finserv has provided me with end to end solution for all my financial planning and execution needs. Their well-structured and personalized financial planning report helped me understand the investments required for my children’s education, marriage, and other financial goals along with the most critical – post-retirement needs. Being new to mutual funds, having a guided approach has been very helpful and I am a lot more assured and confident of achieving all my financial goals. Thanks to the team and Prasad.
Latika Nigade
As you sow, so shall you reap” something all of us live by, but how much to sow so as to reap enough to live carefree during retirement is best explained and guided by Prasad and team. Thank you Prasad for your professionallism, patience and trustworthiness to make sure the financial goals for me and my family are met. I sleep so much better knowing this complicated bit of my life is in your safe hands.
Latika Nigade
As you sow, so shall you reap” something all of us live by, but how much to sow so as to reap enough to live carefree during retirement is best explained and guided by Prasad and team. Thank you Prasad for your professionallism, patience and trustworthiness to make sure the financial goals for me and my family are met. I sleep so much better knowing this complicated bit of my life is in your safe hands.
Ritu Khabia
Prasad@kyronfinserv helped me rebalance my mutual fund portfolio as per my life stage and fund requirements. Earlier my approach to investing was random and chaotic. I used to invest in any mutual fund that struck my fancy whenever I had some money lying around. Prasad has streamlined all my mutual fund holdings. I am now assured of optimum returns and minimum stress. Thanks a lot for giving me financial peace of mind, finally!!
Ritu Khabia
Prasad@kyronfinserv helped me rebalance my mutual fund portfolio as per my life stage and fund requirements. Earlier my approach to investing was random and chaotic. I used to invest in any mutual fund that struck my fancy whenever I had some money lying around. Prasad has streamlined all my mutual fund holdings. I am now assured of optimum returns and minimum stress. Thanks a lot for giving me financial peace of mind, finally!!
Sandeep N.
Thanks to KyRon Finserv I know my financial health and goals much better than ever before. They have helped me with a structured plan and approach to achieving each of my financial goals. This has given me peace of mind and confidence in being on the right track of my financial well being.
Sandeep N.
Thanks to KyRon Finserv I know my financial health and goals much better than ever before. They have helped me with a structured plan and approach to achieving each of my financial goals. This has given me peace of mind and confidence in being on the right track of my financial well being.
Narendra G
Prasad and his tax expert team provided me with quick guidance and closure on a tax filing requirement in India. Being in the US and able to rely on them for all my tax compliance needs has been a very stress-relieving experience, thanks to their professionalism.
Narendra G
Prasad and his tax expert team provided me with quick guidance and closure on a tax filing requirement in India. Being in the US and able to rely on them for all my tax compliance needs has been a very stress-relieving experience, thanks to their professionalism.
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