Due to the low interest environment , the long term capital growth concept is becoming more important among investors. Everyone would like to peruse his wealth growth or the security of his possessions by understanding the correct wealth management tools. A good wealth management plan should include the establishment of a medium / long term financial goal and the formation of the administrative flow and the discipline to follow during plan execution. To cultivate the long term saving pattern is as important as train up the healthy body. GIA had established the following stages for effective wealth management.