Workshop on Personal Finance and Investment

Coaches for the program

- Vaibhav Jain- ​https://www.linkedin.com/in/vaibhavjain87/

- Yashwant Pachisia- ​https://www.linkedin.com/in/yashwantpachisia/
- Rahul Baid- ​https://www.linkedin.com/in/baidrahul/

Module 1: Introduction to Personal Finance

● Need for Personal Finance Management

● Income tax planning with special emphasis on section80C of the Income Tax Act
● Assessment of personal risk profile
● Introduction to different asset classes and investment options available
● Reading your Salary slips

Module 2: Insurance

● Separating investment from insurance

● Importance of taking up Life Insurance, esp. Term Insurance
● Other categories of life insurances
● Selection of good medical insurance with key riders such as critical illness

Module 3: Mutual Funds

● History of Mutual Funds in India

● Discussion about SEBI control, professional management and increasing transparency
in the sector
● Kinds of Mutual Funds – Equity, Debt, Balanced, Money Market Funds, etc
● Selection of funds basis your risk profile
● Importance of diversification

Module 4:Traditional Investment Assets with special focus on overall portfolio allocation

● Discussion on traditional investment options, covering the following:

● Savings and post office deposits
● Recurring deposits
● Fixed deposits
● Corporate Deposits
 ● Gilt Funds
● Sovereign Bonds
● Gold bonds
● Physical gold
● Real estate
● Equities
● Interest rate regime in India–on a declining curve and how it affects your investment
decision-making
● Why is equity investment necessary and how to invest in equities
● The necessity of disciplined investment to ensure less risky and steady returns
● Investing in equities in such volatile times shrouded by the COVID-19 scare

Module 6: Alternative Investments

● REIT
● InvIT
● commodities
● AIFs
● Structured Products

Module 7: Asset Diversification

Module 8: Tax planning and Section 80C

● Detailed discussion on each investment option available under Chapter VI of the

Income Tax,1961
● The Old Tax Regime vs the New One- How to plan your finances
● Managing your tax and investment together

Module 9: Learnings from ‘Fools’ around

● There are a lot of alluring offers on Credit Cards, Personal Overdraft, Line of Credit
and Personal Loans that are marketed to working professionals. Discussion on the
pros and cons of each, and how to avoid falling into a debt trap and avoid frauds
● Key lessons like preparing for the bad times, the importance of long term investment,
not keeping all eggs in one basket

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