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Financial planning
Financial planning
Child future
                     planning
                                   Pretirement/
       Retirement
                                   Retirement
        planning
                                     planning




Life planning
                    Financial            Investment
                    Planning               planning
 Am I saving?
Savings     Am I saving
             enough?
           Am I spending the
Spending    right way?
           Can I optimize it?
            Excess
 Debts       debts/EMIs?
            Can I restructure
             them?
            Do I have specific
 Plans       plans?
            Do I have goals?
Investment
Cost of
 living     Choices


            X
          factors




Financial Planning
Financial planning
Financial planning
Financial planning
Financial planning
Financial planning
Financial planning
Financial planning
Financial planning
Financial planning
Financial planning
Financial planning
Sugar a Kg           Rice a Kg
                    Now  Rs 35.         Now  Rs 40.
                      After 20             After 20
                    years Rs 340.        years Rs 395.


                      Dal a Kg             Milk a Ltr
                    Now  Rs 90.         Now  Rs 24.
                      After 20             After 20
                    years Rs 975.        years Rs 235.



Rate of inflation for the essentials assumed at 12% PA. These prices provide an indicative
view of the future.
Income   Expenses
Wealth
 Life Cover

Health Cover
An individual should have
enough cover ; at least 5 to
10 times of current income.

   As he/she climbs up the
   income levels, cover should
   be proportionately raised.

       Remember, you should be
       covered for the whole of your
       life and not only a part of it.
Financial planning
Financial planning
Financial planning
 Childs education.
Children  Childs future.

          Financial security.
Security  Life and health cover.

        Plan for retirement.
Future  Plan for regular income.
Financial planning
Financial planning
Mr.
               Responsible
               @ 35 years
                 invests
Mr. Cautious
                             Mr. Fun @ 40
@ 30 years
                             years invests
  invests


               Rs 1 Lac
               @ 15%
Mr. Cautious accumulates Rs
 16.37 lacs.


     Mr. Responsible accumulates
     Rs. 8.14 lacs.


        Mr. Fun accumulates Rs.
        4.05 lacs.

START EARLY, Power of compounding is @
work very silently Mr Cautious just by
starting early has multiplied his money.
Financial planning
Mr.
                Responsible
                 @ 35 years
               invests @ 15%
Mr. Cautious
                               Mr. Fun @ 40
@ 30 years
                               years invests
 invests @
                                  @ 18%
    12%


                 Rs 1
                 Lac
Mr. Cautious accumulates Rs
  9.65 lacs @ 12% in 20 years.

       Mr. Responsible accumulates
       Rs. 8.14 lacs @ 15% in 15
       years.

           Mr. Fun accumulates Rs. 5.23
           lacs @ 18% in 10 years.

Moral of the story: START EARLY even @ lower
returns, power of compounding is @ work very very
silently.. Mr. Fun started investing at 40 years @
18% but still fell short of the other two.
Products




Objectives




                  Goals
Financial planning
Financial planning
Dont leave money in the bank a/c which
earns just about 4%.. Value of money
melts in a bank.
Have a monthly saving plan through EMI
Having ample life insurance is vital to ones
financial security
Its important to understand the power of
compounding which is working very
silently
Inflation is a monster, which can swallow
the hard earned money
Specific, measurable, attainable, relevant
and timed goals for successful financial
future
Financial planning is all about knowledge
Hence the importance of a financial
planner
`
http://www.youtube.com/watch?v=ZsN
8FUV9nS4&feature=player_embedded
Gopalakrishnan V
 Financial Planning Coach.
 Founder and CEO
                      `
Money Avenues


+91 9 55 11 55 11 6

 gopal@moneyavenues.in
`
http://mymoneyavenues.blogspot.in

More Related Content

Financial planning

  • 3. Child future planning Pretirement/ Retirement Retirement planning planning Life planning Financial Investment Planning planning
  • 4. Am I saving? Savings Am I saving enough? Am I spending the Spending right way? Can I optimize it? Excess Debts debts/EMIs? Can I restructure them? Do I have specific Plans plans? Do I have goals?
  • 5. Investment Cost of living Choices X factors Financial Planning
  • 17. Sugar a Kg Rice a Kg Now Rs 35. Now Rs 40. After 20 After 20 years Rs 340. years Rs 395. Dal a Kg Milk a Ltr Now Rs 90. Now Rs 24. After 20 After 20 years Rs 975. years Rs 235. Rate of inflation for the essentials assumed at 12% PA. These prices provide an indicative view of the future.
  • 18. Income Expenses
  • 20. An individual should have enough cover ; at least 5 to 10 times of current income. As he/she climbs up the income levels, cover should be proportionately raised. Remember, you should be covered for the whole of your life and not only a part of it.
  • 24. Childs education. Children Childs future. Financial security. Security Life and health cover. Plan for retirement. Future Plan for regular income.
  • 27. Mr. Responsible @ 35 years invests Mr. Cautious Mr. Fun @ 40 @ 30 years years invests invests Rs 1 Lac @ 15%
  • 28. Mr. Cautious accumulates Rs 16.37 lacs. Mr. Responsible accumulates Rs. 8.14 lacs. Mr. Fun accumulates Rs. 4.05 lacs. START EARLY, Power of compounding is @ work very silently Mr Cautious just by starting early has multiplied his money.
  • 30. Mr. Responsible @ 35 years invests @ 15% Mr. Cautious Mr. Fun @ 40 @ 30 years years invests invests @ @ 18% 12% Rs 1 Lac
  • 31. Mr. Cautious accumulates Rs 9.65 lacs @ 12% in 20 years. Mr. Responsible accumulates Rs. 8.14 lacs @ 15% in 15 years. Mr. Fun accumulates Rs. 5.23 lacs @ 18% in 10 years. Moral of the story: START EARLY even @ lower returns, power of compounding is @ work very very silently.. Mr. Fun started investing at 40 years @ 18% but still fell short of the other two.
  • 35. Dont leave money in the bank a/c which earns just about 4%.. Value of money melts in a bank.
  • 36. Have a monthly saving plan through EMI
  • 37. Having ample life insurance is vital to ones financial security
  • 38. Its important to understand the power of compounding which is working very silently
  • 39. Inflation is a monster, which can swallow the hard earned money
  • 40. Specific, measurable, attainable, relevant and timed goals for successful financial future
  • 41. Financial planning is all about knowledge Hence the importance of a financial planner
  • 43. Gopalakrishnan V Financial Planning Coach. Founder and CEO ` Money Avenues +91 9 55 11 55 11 6 gopal@moneyavenues.in