| Name : jatin gulati | City : jalandhar |
| ARN NO : 44018 | Date : 10 Jul 2012 |
| Comments : |
| The story gave immense encouragement to do things differently in an immensely competitive market and get an edge. |
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| Name : B SURENDRA KUMAR | City : vizag |
| ARN NO : 73383 | Date : 27 Jun 2012 |
| Comments : |
| Nothing great. simply double edged approch.Point raised by Surekha is quite pertinent |
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| Name : Venkey | City : Chennai |
| ARN NO : 00000230012 | Date : 23 Jun 2012 |
| Comments : |
| Nothing great. Already having established distribution company. Regular income assured for the family. Now ventruing into another module in the same familer industry. Anyway Best Wishes for the new business module. |
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| Name : Pradeep Sharma | City : Indore |
| ARN NO : No ARN | Date : 22 Jun 2012 |
| Comments : |
| Very innovative Thought sir, Really taken a Nice step in this tough competitions. Pradeep Kumar sharma |
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| Name : NARINDER BAJAJ | City : PUNJAB |
| ARN NO : 1573 | Date : 22 Jun 2012 |
| Comments : |
| CONG FOR A BOLD STEP |
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| Name : Kamalika Ray | City : kolkata |
| ARN NO : 32542 | Date : 22 Jun 2012 |
| Comments : |
| Congratulations Mr.Saraf for being a visionary at the right time. I have been thinking of getting a CFP certification for quite some time now. I would like to know which Certification is more valuable. The domestic or the international CFP. Kindly mail me your valued response. Thanks in advance! |
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| Name : Ashish Kumar Siddhanta/CLEANFLO | City : Jamshedpur |
| ARN NO : 3853 | Date : 22 Jun 2012 |
| Comments : |
| Great model!! Of course, this is high time to evolve into such a style of business. Well done. |
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| Name : Ajay Khusal | City : Mumbai |
| ARN NO : 3452 | Date : 21 Jun 2012 |
| Comments : |
| Since SEBI concept paper says you either have to be agent or advisor you are trying to play a double game now, agency will be running in some other name and you behave like a financial planner.. |
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| Name : vinod kumar harjai | City : lucknow |
| ARN NO : 23047 | Date : 21 Jun 2012 |
| Comments : |
| congratulations Mr Pramod,a right step at right time.Now u are cfp ,for a knowldgeable client only advisory modle will work. fantastic move. |
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| Name : gurupad s parsi | City : vasco goa |
| ARN NO : 2548 | Date : 21 Jun 2012 |
| Comments : |
| sir did u eyer think of common man who invests small amounts in mf? how do u charge them? |
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| Name : Sudhansu Sekhar Mohapatra | City : Bhubaneswar |
| ARN NO : ARN-14034 | Date : 21 Jun 2012 |
| Comments : |
| I liked your move pramod. I think we all should move ahead and try to know wherewe stand and whether we are fit for the role SEBI wants us to play i.e. the role of advisor not the distributor.Now only we can do it because we have already a cousion of distribution income. weldone pramod. Good move |
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| Name : Amalaraj Marian | City : Nashik |
| ARN NO : 2408 | Date : 21 Jun 2012 |
| Comments : |
| Sir good move and a good step forward we need to make people understand what is advisory. this statement comes with a caveat. this would have been really revolusionary if instead of just moving away from the company,you would have said that i will not get my monnthly cashflow into the bank from this company and now i move into this new business. in that case this would be starting as zero, now your cashflow is still there as a stake holder of your company, so the worry is not there as to where from the money is going to ccome to run my family? in that case it would be verry difficult? mind you this is the question and the real state of affairs with an average advisor in no means he is not a good advisor. the problem is the big question uncertainty. |
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| Name : Soubhagya | City : Bangalore |
| ARN NO : 0000000000 | Date : 21 Jun 2012 |
| Comments : |
| I don't understand on what sense readers of this article are appreciating such move of Mr. Pramod which is quite dangerous for any genuine FP client who needs pure advice and no indirect way or any optional promotion of any company/investments. Point raised by Surekha is quite pertinent, You need to understand the difference between Fee-Based & Fee-Only approach. @Admin I think there may be some printing error, the author might be talking about Fee-Only approach but the feel is coming as Fee+Commission |
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| Name : shantibhushan | City : new delhi |
| ARN NO : 61430 | Date : 21 Jun 2012 |
| Comments : |
| R u know about SUNIL FINANCIAL ADVISORS PVT LTD; our start-up on pure unbiased fee based advice model. Join us for mutual cause to improve mutually sir. |
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| Name : G Vana Krishna | City : Vijayawada |
| ARN NO : 26795 | Date : 21 Jun 2012 |
| Comments : |
| Hatsoff to Mr Pramod. Really taken a daring step in this tough competations. Defenetely his vision & dedication will lead his destiny. |
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| Name : CHILUKURI K R L RAO | City : HYDERABAD |
| ARN NO : 70974 | Date : 21 Jun 2012 |
| Comments : |
| It all stems from "Honesty with Self" I believe. Thank you Pramod for sharing your thought process. Thank you wealthforum. Adding value to self by learing from courses like CFP and CFA should give us the required confidence. |
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| Name : rajesh kumar | City : vizag |
| ARN NO : 51663 | Date : 21 Jun 2012 |
| Comments : |
| IN VIZAG ARN HOLDER START SELLING THE REAL ESTATE & ASKING MONEY FROM AMC & DISTRIBUTION PEOPLE. BECAUSE THEY CANNOT TAKE FROM INVESTOR. NOW THEY ARE MAKING THE INVESTOR UNCOMFORTABLE REGARDING MF BUSINESS. KINDLY GOD SAVE THE VIZAG PEOPLE & AMC AS WELL AS BIG DISTRIBUTOR. |
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| Name : YAGYA AGARWAL | City : Mumbai |
| ARN NO : 0186 | Date : 21 Jun 2012 |
| Comments : |
| Great! and bold move. Where is a will there is a way. I wish you good luck for your bright future and endeavor. |
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| Name : Vijay | City : Mangalore |
| ARN NO : 56564 | Date : 21 Jun 2012 |
| Comments : |
| good thoughts and a bold step indeed. with regard to rs.5000- or any amount being charged per year say example mutual funds there is a bear market 2-3 years and clients portfolios are at a loss. will they still be paying yearly ? how can you convince them on this matter ? its fine if your advices are on tax,loans,insurance. but when it comes to stock market and advisory fees clients will think twice. |
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| Name : Vasudevan | City : chennai |
| ARN NO : 51640 | Date : 21 Jun 2012 |
| Comments : |
| This is just a smart move in anticipation of the SEBI's new guideline. One would always say, "Here is the plan and I know of someone who would help you in implementing". Once you win the trust of the client, it is easy to direct him to your own distribution company. This segregation might not remove the conflict of interest. Further planning is not an one-time activity, its a continuous process. If you leave your client with a plan and ask him to implement it through a distributor of his choice, he is always going to be subjected to dual advice for the same objective - one from the planner and one from the distributor. When you leave the implementation to the client choice, following questions needs to be answered: 1) How will the planner track the implementation. 2) How will the planner track the investments. 3) How will the customer co-ordinate between two entities - planer and the distributor. Disclosure and transparency the key |
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| Name : Nilakshi Louzado | City : Pune |
| ARN NO : 78737 | Date : 21 Jun 2012 |
| Comments : |
| Modest commercial targets and intense professional targets are a heady mix and a guaranteed route to success. Wishing you all the best! |
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| Name : Bikesh OJHA | City : patna |
| ARN NO : 82228 | Date : 21 Jun 2012 |
| Comments : |
| very nice . a great thinking towards investors when actually it's required. This will certinly make us Financial doctor |
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| Name : paresh | City : mumbai |
| ARN NO : 64314 | Date : 20 Jun 2012 |
| Comments : |
| hats off.. sir.. no matter what the outcome will be.. but moved by the thought process.. all the best.. & keep it up.. |
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| Name : Umesh Kaushal | City : Delhi |
| ARN NO : 5072 | Date : 20 Jun 2012 |
| Comments : |
| Eye opener for me |
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| Name : Nishikant Dhamne | City : Thane |
| ARN NO : 65316 | Date : 20 Jun 2012 |
| Comments : |
| Very good decision. |
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| Name : manoj jain | City : bhilai |
| ARN NO : 0500 | Date : 20 Jun 2012 |
| Comments : |
| good job done keep it up promad |
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| Name : NABARUN BHATTACHARYA | City : KOLKATA |
| ARN NO : 64530 | Date : 20 Jun 2012 |
| Comments : |
| SIR, GOOD JOB DONE. I HAVE 1 QUERY, CAN U SHARE WHAT KIND OF MODELS YOU PROVIDES TO CLIENT |
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| Name : Megha | City : hyderabad |
| ARN NO : 37337 | Date : 20 Jun 2012 |
| Comments : |
| Whatever be the case it gives a lesson that in sales whatever position you are , you still got to be feet on street!! |
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| Name : A.VINOD KUMAR | City : kochi |
| ARN NO : 4979 | Date : 20 Jun 2012 |
| Comments : |
| A very good step you are taken. |
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| Name : Mohanraj | City : coimbatore |
| ARN NO : 84609 | Date : 20 Jun 2012 |
| Comments : |
| Simply saying Excellent All the best |
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| Name : Raman | City : Chennai |
| ARN NO : 37581 | Date : 20 Jun 2012 |
| Comments : |
| If Pramod really believe in what he says,then he should not mention his firm Swan Finance name. But he is doing it which is again leading to self-interest. |
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| Name : Surekha Verma | City : Bangalore |
| ARN NO : No ARN | Date : 20 Jun 2012 |
| Comments : |
| Seems full of conflict of Interest.. Here I can dare to say Mr. Pramod Saraf is playing two roles. Please understand the difference between fee-based and fee-only services. If you are really unbiased, you should be a fee-only advisor - in which case you cannot offer your distribution company's services to your clients. As long as you own Swan Finance, you cannot be a fee-only advisor. |
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| Name : Manish | City : Pune |
| ARN NO : 000000 | Date : 20 Jun 2012 |
| Comments : |
| Agree with Raman & Surekha's veiw. I think it's a clear and live example of what a conflict of interest is. Mr. Pramod you need to re-think before giving such veiws. |
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| Name : sam koshy | City : kollam |
| ARN NO : 5727 | Date : 20 Jun 2012 |
| Comments : |
| Mr.Pramod actually seems to be trying a double role play. |
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| Name : mahesh gattani | City : amravati |
| ARN NO : 0493 | Date : 20 Jun 2012 |
| Comments : |
| Pramod, Best of Luck for new innings............... |
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| Name : bhavesh khetan | City : nagpur |
| ARN NO : 1107 | Date : 20 Jun 2012 |
| Comments : |
| very good |
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| Name : ashish chadha | City : new delhi |
| ARN NO : 81 | Date : 20 Jun 2012 |
| Comments : |
| when the going gets tough ,the tough quit ,and re-emerge with grease paint and Khukri ,saying Ayyo Gurkhali:-) ,compliments ,FIFA members show the way!! |
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| Name : Senthilkumar G | City : Tirupur |
| ARN NO : 25699 | Date : 20 Jun 2012 |
| Comments : |
| What is your AUM? |
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| Name : Sunil Jain | City : New Delhi |
| ARN NO : 0000 | Date : 20 Jun 2012 |
| Comments : |
| Congratulations and best wishes. You have done what others just contemplate. Feels good to be associated with you. |
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| Name : T S RAWAT | City : DEHRADUN |
| ARN NO : 15427 | Date : 20 Jun 2012 |
| Comments : |
| GOOD IDEA |
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| Name : Sunil singh | City : Mumbai |
| ARN NO : 75415 | Date : 20 Jun 2012 |
| Comments : |
| I would like to speak to Mr Pramod. Pls mail me his number or mail this comment to him. |
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