Financial Health Report

2020

Mr. Keith Henry Perreira & Family

Prepared By:

Timewealth Consultancy Services

www.timewealth.co.in / Info@timewealth.co.in
At the core, Financial consultant is about you engaging with your money. The process of planning
can be as much about having matters clear in your mind, as it is about having things clear on
paper.

Financial consultant is an ongoing process to help you make sensible decisions about money, and
it starts with helping you articulate the things that are important to you. These can sometimes be
aspirations or material things, but often they are about you achieving peace of mind.

WHAT SHOULD TIME DO FOR YOU?

Yo u r S a v i n g s / I n v e s t m e n t s O v e r v i e w
RETURN SINCE LAUNCH EXPENSE
MUTUAL FUNDS SUGGESTION
MARKET RETURNS R & D R&D

MIRAE ASSET EMERGING BLUECHIP FUND NEED SWAITCHING/OTHER

20.38% 23.30% 1.78% 0.74%
GOOD OPTION

NEED SWITCHING/OTHER
MOTILAL OSWAL FOCUS 25 FUND 14.44% 16% 2.22% 1.04%
GOOD OPTION

SBI BLUECHIP FUND 11.04% 14.88% 1.70% 1.03% NEED SWITCHING

AXIS LONG TERM EQUITY FUND 17.34% 19.73% 1.71% 0.88% NEED SWITCHING

BIRLA SUNLIFE TAX SAVER RELIFE 96 23.16% 15.83% 1.89% 0.93% KEEP THIS

HDFC FOCUS 30 FUND 13.69% 10.03% 2.64% 1.67% NEED SWITCHING

TOTAL EXPENSE 11.94% 6.29%

TATA STEEL PARTLY PAID UP LTD

HOLDINGS 200 AS PER THE RETURNS PARAMETER ITS GOOD RETURS

CURRENT PRICE 191.90

1. FIXED DEPOSITS
FD are the safest and secure investment options provided by banks and post offices which earn higher interest rates than a savings, account.
Any excess amount which you are not going to use for a certain period of time can be safely put into a fixed deposit.
2. RECURRING DEPOSITS RD
Like fixed deposit, RD to earns a higher interest rate than a savings account.
RD let you invest any amount which can be as small as Rs. 5 per month and is the best option for promoting the habit of savings.
3. PUBLIC PROVIDENT FUND (PPF)
The Public Provident Fund (PPF) is a scheme that offers tax benefits under Section 80C of the Income Tax Act. Up to Rs.1.5 lakh can be claimed as tax benefits under the scheme.
The aim of the scheme is to mobilise small savings by offering an investment with reasonable returns combined with income tax benefits. The scheme is fully guaranteed by the Central Government.
4. NATIONAL SAVINGS CERTIFICATE (NSC)
Is a low risk, fixed income instrument and can be easily opened at any post office. National Savings Certificate comes with two fixed maturity periods of 5 years and 10 years.
You are free to invest any amount, but investments up to Rs. 1.5 Lac helps you in tax deductions. The interest earned over the period of time is not tax-free.
The earnings are 7.6% p.a. NSCs can be pledged with banks for taking loans.
5. UNIT LINKED INSURANCE PLANS (ULIPS)
Investments in ULIPs gives you wealth creation option along with life cover. Premium paid are eligible for deduction under section 80C. Plus the returns on maturity are exempt under section 10(10D).
The returns vary depending on the combination of equity, debt or hybrid funds.
6. MUTUAL FUNDS
Mutual funds are the safest and the most convenient way of investing in the markets when you do not have the time and expertise.
The equity mutual funds have generated consistently higher returns. With funds like L&T India Value, Marie Asset India and ICICI Prudential Blue Chip delivering 3 years return in the range of 14% to
18%.
The investment in mutual funds can be a lump sum or monthly SIP for an amount as low as Rs. 500.
7. GOLD
Over the years, investment in gold has given consistent returns of around 10% beating the inflation and providing diversification. A better way to invest in Gold is through a gold mutual fund, Gold ETF and
gold bonds.
You can also invest in Sovereign Gold Bond Scheme regulated by government and RBI. You will own gold in ‘certificate’ format. The value of the bonds is assessed in multiples of the gold gram. The initial
minimum investment is 1 gram of gold.
You would earn 2.5% interest per annum on amount invested. The Lock-in period is 8 years.
8. DIRECT EQUITY INVESTMENT (Shares)
All the equity investments carry higher risks and hence are also capable of generating very high returns. Opt for equity investment option if you are comfortable losing as much as 50% of the capital.

Read Carefully: Why We Don’t Recommend “Insurance Policy” as an Investment Option. Please note that investment and insurance are separate assets with different objectives.
Investments are focused on generating returns and thus carry a higher risk. Whereas insurance is for protection of life and assets in case of loss and death. Therefore, both should be considered separately
and not to be combined.
 Timewealth Analysis
The Financial Plan identifies your present financial condition and what you want to achieve in future. Based on the information we have
obtained during our meeting, a comprehensive financial plan has been developed for you which will provide you a guidance on your
financial objectives.

Your income- expenses analysis- this analyses your current income & expenses, your investments and savings.
Goal analysis- identifies and analyses the requirements for your various financial goals including your children goals.

Retirement planning analyses your post-retirement needs and a suitable solution which addresses those needs.
Insurance planning identifies your insurance requirement against possible risks.

Cash flow gives you an understanding of your future cash inflows and outflows at various stages in your life.

• Buy Recommended Insurances to cover Yourself and Your Family from Uncertainties.
• Take a family floater medical insurance cover for your family & increase the same regularly.
• Do Not Invest Your Money In Low Return Yielding FD,RD,Saving Accounts.
• Start investing for accumulating the shortfall in your goals and retirement corpus & start paying insurance premiums as per the table
provided in the next page.
• 90% of Indians are not equipped to handle emergency situations be it medical, personal or professional. Timewealth Recommends
to keep 3- 6 months of Expense Requirement in liquid Money Market Fund so that a) its easily available and b) You earn
reasonable 8-9% returns.
• Make One Time Investment in Your Custom Built LONG TERM MODERATE Portfolio to reach Your Goals!

Diversi cation in Financial planning FD RD

PPF NSC
INSURANCE ULIP INSURANCE
MUTUAL FUND GOLD
SHARES STOCKS

INSURANCE
FD 10%
10%

MUTUAL FUND
25%

SHARES STOCKS
35%

GOLD
20%
fi
 Investment Amount = 50,000 in each plan
Scheme Growth = 12 %
Savings on Commissions = 1 % extra in Direct plan
(Regular Vs. Direct)
Invested Time Span = 30 Years

The Power of compounding

Commission Disclosure: Mutual Funds transactions, as a regular plan, will involve commission pay-out from AMCs to MCPL, details of
same are available on the website/ disclosure.
Commission Disclosure: Mutual Funds transactions, as a regular plan, will involve commission pay-out from AMCs to MCPL, details of
same are available on the website/ disclosure.

Term Insurance

“I don’t call it "Life Insurance," I call it "Love Insurance." We buy it

because we want to leave a legacy for those we love.”
 MOST TRADING
TA K E S P L A C E I N

EXCHANGES
IN INDIA

Most of the trading in the

Indian stock market takes
place on its two stock
exchanges: the Bombay
Stock Exchange(BSE) and
theNational Stock
Exchange(NSE). The BSE has
been in existence since 1875. At the last count, the
The NSE, on the other hand, BSE had more than
was founded in 1992 and 5,000 listed firms,

started trading in 1994. whereas the m u c h

younger rival NSE
had about 1,600.
 Light Bulb
Moment

The Domino Effect

Jubilant food stock once jumped

233% within a year just after
changing their pizza recipe.
 TCS VS Pakistan Stock
Exchange

Insanely Big! TCS market

capitalization is more than all
listed companies on Pakistan
Stock Exchange
FEES ONLY

Investment advisors provide

professional services for fees
o n l y. T h e y d o n ’ t s u g g e s t o r
provide a n y profit sharing
services. A l w a y s m a k e sure
that provide a online or
offline receipt of y o u r
payment.

RISK ANALYSIS

A genuine investment
advisor will always
perform risk profiling
and will provide
recommendations
a c c o r d i n g l y. D e m a n d a
risk analysis .
It takes 20 years to build
REPUTATION
and 5 minutes to ruin it. If you

THINK
about that. You'll do things differently

Warren Buffett