LUDIARS: WHEN PERSONAL FINANCE IS ABSOLUTELY PERSONAL


Daniel Nikolov, managing partner, on personalised approach and effective investments

Daniel Nikolov Ludiars

The LudiArs team believes that an effective wealth increase can only be achieved when people self-manage their money and investments. With the help of experts like those at their company, of course. LudiArs offers wealth management consulting, finance, investment, and retirement planning, as well as a wide range of insurance products. A personalised approach and detailed target planning for their clients are at the core of their work. Daniel Nikolov explains why individual financial plans and a long-term approach are key for the successful management of personal finance.

What is your company’s mission?

To provide a personalised financial, investment, or retirement plan tailoured to each client’s specific risk profile and personal goals, ensuring the necessary security and efficiency, which will save them a lot of money, increase their wealth, and make them independent.

How do you help your clients take care of their financial well-being?

First of all, we show them that the “One-size-fits-all” concept, which has dominated the industry for years, does not work in their best interest and that personal finance requires tailoured planning and a strictly individual approach. Everyone is in a different situation – it’s pointless to limit their options to the widely offered Risk, Balanced or Conservative portfolios, where, among other things, people lose more than 30% of their money in the long term for fees, commissions, and deductions. Secondly, after individual consultations and using the Monte Carlo method of calculating and distributing possibilities, we perform one thousand (1,000) simulations, based on the individual risk profile and the goals set by the client in order to verify the sustainability and possible performance of each individual financial or retirement plan. After that, we prepare a well-structured and diversified portfolio with diverse asset classes as well as a precisely developed life and asset protection strategy so that this portfolio is sustainable and protected over time. And third, with LudiArs, you manage your own money. The client is in control of the entire process and their money, making personal finance truly personal.

What sets apart the services you offer?

They differ in one crucial aspect – efficiency. Engaging with commonly advertised services is not the best choice for users. We offer full support to the client, analyse and help them to be efficient by avoiding low returns, missed benefits, and high premium insurance products with minimal coverage.

How can we be prepared for the future in uncertain times such as these?

Our slogan “Be Prepared” has become increasingly relevant over the past few years. The pandemic and the war in Ukraine shook us to the core and made us wonder if there is a way to protect ourselves and our closest people. Yes, there is a way, and it is possible for everyone if they have made the right decisions on time and have started building step by step, regardless of when they start. Mankind has gone through several catastrophes, which apart from causing suffering, have also provided many opportunities.

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www.ludiars.com

Когато личните финанси са наистина лични 

Даниел Николов, управляващ партньор на ЛудиАрс, за персонализирания подход и ефективните инвестиции 

Екипът на ЛудиАрс вярва, че ефективното увеличаване на богатството може да се случи единствено, когато човек управлява сам парите и инвестициите си. Естествено, с помощта на опитни експерти, каквито са самите те. Компанията предлага консултации при управление на благосъстоянието, финансово, инвестиционно и пенсионно планиране, както и широка гама застрахователни продукти. В основата на всичко това са персонализираният подход и детайлното планиране на крайните цели, които клиентите желаят да постигнат. Даниел Николов разяснява защо индивидуалният финансов план и дългосрочната концепция са ключови за успешното управление на личните финанси. 

Каква е мисията на Вашата компания? 

Да предоставим персонално изготвен финансов, инвестиционен или пенсионен план, съобразен със специфичния рисков профил и лични цели на всеки клиент, като му осигурим необходимата защита и ефективност, която ще му спести много средства, ще увеличи благосъстоянието му и ще го направи независим. 

По какъв начин помагате на своите клиенти да се погрижат за финансовото си благосъстояние?

Първо им показваме нагледно, че така налаганата от години концепция „one size fits all” не работи в техен интерес и когато става дума за лични финанси е необходимо персонално планиране и строго индивидуален подход. Всеки се намира в различна ситуация – безсмислено е да бъде разпределян в масово предлаганите Рисков, Балансиран или Консервативен портфейл, където, освен всичко останало, дългосрочно губи над 30% от собствените си средства във вид на такси, комисионни и удръжки. Второ, след индивидуални консултации и чрез метода на „Монте Карло“ за изчисление и разпределение на вероятности, ние извършваме 1000 (хиляда) симулации базирани на индивидуалния рисков профил и заложени цели на клиента, с цел да провери устойчивостта и възможното изпълнение на всеки отделен финансов или пенсионен план. Впоследствие изготвяме добре структурирано и диверсифицирано портфолио с различни класове активи, както и прецизно развита стратегия за защита на живота и активите, така че това портфолио да е устойчиво и защитено във времето. И трето, при нас вие сами управлявате парите си. Клиентът контролира целия процес и своите пари, което всъщност прави личните финанси наистина лични.

С какво се отличават услугите, които предлагате? 

Това, което ни отличава, може да се опише с една дума – ефективност. Обвързването с услуги, които са масово рекламирани, не са най-добрия избор за техните ползватели. Ние заставаме изцяло зад клиента, анализираме и му помагаме да бъде ефективен, като избегне ниска възвращаемост, пропуснати ползи и застрахователни продукти с висока премия при минимално покритие. 

Как можем да бъдем подготвени за бъдещето в настоящата несигурна ситуация? 

Нашият слоган „Бъди подготвен“ е все по-актуален през последните няколко години. Пандемията и войната в Украйна ни разтърсиха и ни накараха да се замислим дали има начин да защитим себе си и близките си. Да, има начин и той е възможен за всеки, ако навреме е взел правилните решения и е започнал стъпка по стъпка да гради без значение от момента. Човечеството е преминало през доста катаклизми, които, освен много страдание, са дали и много възможности.

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www.ludiars.com

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