LUDIARS: WHEN PERSONAL FINANCE IS ABSOLUTELY PERSONAL

LUDIARS: WHEN PERSONAL FINANCE IS ABSOLUTELY PERSONAL

Thu, 04/28/2022 - 17:50

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

Daniel Nikolov Ludiars
Daniel Nikolov, managing partner at 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.

Get your free online meeting here

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.

Възползвайте се от безплатна онлайн среща тук

www.ludiars.com

Web Exclusive

Commenting on www.vagabond.bg

Vagabond Media Ltd requires you to submit a valid email to comment on www.vagabond.bg to secure that you are not a bot or a spammer. Learn more on how the company manages your personal information on our Privacy Policy. By filling the comment form you declare that you will not use www.vagabond.bg for the purpose of violating the laws of the Republic of Bulgaria. When commenting on www.vagabond.bg please observe some simple rules. You must avoid sexually explicit language and racist, vulgar, religiously intolerant or obscene comments aiming to insult Vagabond Media Ltd, other companies, countries, nationalities, confessions or authors of postings and/or other comments. Do not post spam. Write in English. Unsolicited commercial messages, obscene postings and personal attacks will be removed without notice. The comments will be moderated and may take some time to appear on www.vagabond.bg.

0 comments

Add new comment

The content of this field is kept private and will not be shown publicly.

Restricted HTML

  • Allowed HTML tags: <a href hreflang> <em> <strong> <cite> <blockquote cite> <code> <ul type> <ol start type> <li> <dl> <dt> <dd> <h2 id> <h3 id> <h4 id> <h5 id> <h6 id>
  • Lines and paragraphs break automatically.
  • Web page addresses and email addresses turn into links automatically.

Discover More

atlantis-burgas
INTRODUCING ATLANTIS / SQUARE
The project combines the benefits of living in a closed residential community with the advantages of having a social space where you can meet new people and spend time with friends and neighbors.

Silviu Gugui eMag
SILVIU GUGUI: I PROMOTE A CULTURE THAT MAKES PEOPLE FEEL APPRECIATED
Every online shopper in Bulgaria knows about eMAG and has certainly ordered at least one item through the platform, which offers anything one can think of. The company was founded in Romania and has subsidiaries in Hungary and Bulgaria.

Deni Andonova
MISSION: THRIVE WITH DENI ANDONOVA
Deni Andonova is a certified instructor in Neurographica, a Kinesiologist, Certified K-Power Instructor, Positive Psychologist, Bush flower essences Therapist, Eating Disorders Consultant, author of the books Cellular Nutrition with Deni.

Wellky
WELLKY: THE LIFE-SAVING REMOTE CARE
We all want our elderly relatives and loved ones to be healthy and feeling well. But sometimes we are too far away or too busy to take care of them in person.

Sinisha Djukic
SINISHA DJUKIC: THE TALENT TO BUILD TRUSTFUL RELATIONSHIPS
At Bosch.IO people bring the IoT to life. With decades of expertise in building connected solutions, Bosch.IO is the go-to destination of the Bosch Group for innovation – from the automotive sector to industrial, building and energy, and consumer products.

Metrica Milena Ramcheva
METRICA: CREATING A SEAMLESS CONNECTION WITH YOUR CUSTOMERS
Business growth is the thing each company aims at, but selling more goes hand in hand with enlarging storage capacity, enhancing logistics, hiring more people, and implementing new processes.

georgievi architecture studio sturgel
ARCHITECT KRASIMIR GEORGIEV JR.: TO UPGRADE TRADITION WITH A VISION OF SUSTAINABLE FUTURE
Climate change and the need to reduce the harmful impact of human activities on nature will undoubtedly transform our current lifestyle. This also relates to the spaces we inhabit.

DLSolutions Dimitar Dinchev
THE HOME YOU DREAM ABOUT: DESIGN, REPAIR AND FURNISHING IN ONE STEP WITH DL SOLUTIONS
Everyone who has organised the repair or furnishing of their home knows that what initially seems an easy and even fun endeavour often becomes a protracted suffering, and the result in the end is usually a compromise.

jeluxe cosmetics
JELUXE GOLD SERIES: COSMETICS FOR YOUNG AND BRILLIANT SKIN
Created with lots of love and attention to quality and refined to perfection details, the products provide an outstanding balance of the bouquet of oils and active ingredients, which takes them to a world-class level.

kristina sungarska
KRISTINA SUNGARSKA: WHEN MIND AND SOUL WORK AS A TEAM
In search of answers to existential questions, Kristina Sungarska left her successful career as a lawyer and became a psychologist.

TOBIAS KERZEL
TOBIAS KERZEL: FREEDOM AND FLEXIBILITY AS THE CORE OF MOTIVATION
The fourth industrial revolution is rapidly changing the business environment. Technological progress – especially in the IT sector – is driven by human beings, rather than machines.

Maryan Rizinski
MARYAN RIZINSKI: FOCUSING ON PEOPLE AND CULTURE
Bosch.IO is the technology provider of the Bosch Group for sophisticated IoT solutions. The company’s mission is to empower businesses and improve quality of life, enabling millions of devices to be connected and managed seamlessly.