Financial planning is often treated in silos. Many times it’s reduced to simply making investments, like investing in mutual funds, gold, or silver, or buying a few insurance policies. And in the name of a financial plan, all that is handed over is a checklist. Insurance, check. Investment, check. Loans, check.
The worst part is that the same checklist is given to everyone.
But where is the personalisation? At best, you are labelled with filters like “aggressive” or “conservative.”
This is not what personalised financial planning looks like. A good financial plan should be built around how you actually live, what you value, what you fear, what you hope for, and the choices that shape your future. In this newsletter we will talk all about personalised financial planning.
What happens to a financial plan when there’s no personalisation
When your financial plan lacks personalisation, you may end up making financial decisions that go against your own instincts. For instance, a person who is not comfortable taking risks might be advised to invest in small-cap funds just because the advisor believes small caps are about to rally.
The truth is, even if small caps do rally, the compromised peace of mind may not be worth it. And we are not even talking about the sharp falls that small caps are quite familiar with.
This also happens when advice or financial planning focuses only on tax saving or investments, while ignoring financial milestones like buying a house, or a car, or planning for a child’s education.
When a plan is not personalised, financial products often misalign with goals. This results in financial stress.
In such cases, the financial plan itself can feel like sleepwalking with a piece of paper in your hand. You keep walking, but your goals always seem far away.. You may quit midway or start making impulsive decisions.
A personalised financial plan is based on your financial behaviour
A truly personalised financial plan is not built around products, asset classes, or generic risk categories. It is built around your financial behaviour, how you actually think, decide, react, and persist when money is involved.
Personalised financial planning aligns decisions with behaviour. It understand how you will act when cash flows change unexpectedly, when markets fall, when opportunities appear, or when losses test your conviction. It builds safety for the cautious, boundaries for the impulsive, flexibility for the decisive, and steady discipline for the reactive.
1 Finance is deeply committed to personalised financial planning because we believe no strategy works unless it works with your financial behaviour. How do we create personalised financial plans? By using MoneySign®
What is MoneySign®?
MoneySign® is a patented financial personality assessment framework designed by 1 Finance to help you understand your financial relationship with money, such as how you handle risk, saving, spending, and financial decision-making.
MoneySign® reveals your financial personality, like your strengths and weaknesses in financial behaviour.
For example, your MoneySign® can tell whether you are naturally cautious, bold, big-picture focused, or consistent, and your financial plan can then be tailored to that behaviour instead of applying the same checklist to everyone.
It’s based on psychology and behavioural science (including models like the Big Five personality traits) to map how you actually think and act around money.
People are grouped into different “MoneySign®” (like animal archetypes) that represent different financial temperaments and attitudes.
How MoneySign® helps us make a personalised financial planning for you?
MoneySign® helps create a truly personalised financial plan by first understanding you — how you think, feel, and behave with money. Instead of placing you into a simple “aggressive” or “conservative” category, it looks deeper at your risk comfort, decision-making style, emotional triggers, spending habits, and long-term priorities.
This allows us to design a plan that matches your real goals, responsibilities, income pattern, and mental comfort with volatility. When a financial plan aligns with your personality, you are far less likely to panic during market falls, make impulsive decisions, or quit midway.
Discover your MoneySign® and build your personalised financial plan
Take your MoneySign® today and understand your financial behaviour — how you respond to risk, uncertainty, opportunity, and change. It reveals the patterns behind your decisions, your reactions during market falls, and your comfort with taking action. This clarity is the foundation of true personalisation.
Our Qualified Financial Advisor uses these insights to design your personalised financial plan. We begin with your behaviour, not products. By aligning your financial structure with how you naturally think and act, we create a plan that feels clear, steady, and manageable. One that works with you, supports you through uncertainty, and helps you move confidently toward lasting financial well-being.
