Original sentence: Goal Based Investing or Goal Driven Investing is an investment methodology, which focuses on investing for the households based on their risk capacity and not on their risk tolerance.It is a similar approach to asset-liability management for insurance companies and Liability-driven investment strategy for pension funds, but integrates financial planning and investment management which insures that household goals are funded in an efficient manner.This approach results in focus of the investment approach changing from achieving higher returns on the investment, or exceeding the market returns, to achieving the personal financial goals.in addition to the capitalized value of the household's goals and aspirations
Edited sentence: Goal Based Investing or Goal Driven Investing is an investment methodology, which focuses on investing for a household based on their risk capacity and not on their risk tolerance.It is a similar approach to asset-liability management for insurance companies and liability-driven investment strategy for pension funds but integrates financial planning and investment management which insures that household goals are funded in an efficient manner.This approach results in focus of the investment approach shifting from achieving higher returns on the investment, or exceeding the market returns, to funding the personal financial goals.in addition to the capitalized value of the household's financial goals and aspirations