Professional Documents
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FP PPT Relakhs
FP PPT Relakhs
FP PPT Relakhs
www.relakhs.com
Contents
▪ Introduction
➢ Planning
➢ Financial Planning (FP)
➢ FP Pyramid
▪ FP Process
▪ FP Concepts
▪ FP Misconceptions
Introduction
Planning
Introduction
Planning
Examples:
- Preparation for competitive exams
- Planning a vacation
Introduction
Financial Planning
Examples of goals:
- Buying a house
- Higher Education
Introduction
Financial Planning Pyramid
Wealth
Distribution
(Transfer what you have)
Wealth Creation
(Accumulate)
Wealth Protection
(Protect what you have) Start
Financial Planning Process
Execution
Monitoring Follow ups
Follow ups
Query Solving
Financial Planning Concepts
Sources Change
Uses of
of Cash Cash in Cash
Balance
Financial Planning Concepts
b) Networth & Current Asset Allocation
Financial Planning Concepts
b) Current Asset Allocation Analysis
Debt -
Gold
FDs
Real Debt -
Estate NSC
Mutual
Funds
Financial Planning Concepts
c) Risk Profiling
Aggressive
Moderate
Conservative
Risk Averse
Financial Planning Concepts
d) Emergency Fund Analysis
Financial Planning Concepts
d) Emergency Fund Analysis
6/10/2021 www.onlinefinancialplanner.in
Financial Planning Concepts
e) Protection Planning (Life Insurance)
Recommended Product:
Term Insurance
Financial Planning Concepts
e) Protection Planning (Non Life Insurance)
Direct
MF Balanced Equity
Schemes,
MF Debt Property
Schemes,
Company
Bank FDs, FDs
Post office
Schemes,
Provident
Cash Fund,Gold
ETFs
Financial Planning Concepts
f) IP - Risk Vs Return Trade off - Products
Financial Planning Concepts
f) Investment Planning (Time Value of Money)
Time
Invest as long as possible
(Power of compounding)
Financial Planning Concepts
f) IP – Diversification & Asset Allocation
Financial Planning Concepts
g) Estate Planning
Nominations
Wills
Trust
Financial Planning Concepts
h) Tax Planning
Estate Planning
T
A
X
P Goals, Asset Allocation, Risk
L Profiling, Rebalancing
A
N
N
I Life insurance,Non-Life
N
G
insurance, Cash Flow
Management, Emergency
Fund
Financial Planning
Common Misconceptions