Scribd Logo
Upload

Welcome to Scribd!

  • 37 views

    Presentation On Finanical Planning

    Uploaded by

    Ruthvik Sharma
    The document discusses that a single financial plan does not fit everyone's unique needs and circumstances. It highlights that people differ in their responsibilities, commitments, dreams, risk appetite, returns expectations, and financial security needs. Therefore, customized financial planning is required that takes all these factors into account. The document then provides examples of financial plans tailored for different life stages from ages 25-35 to 55+, and recommendations for types of insurance, investments, asset allocation, and tenures based on risk profiles. It concludes by listing dos and don'ts of financial planning and providing contact information for a financial advisory firm.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Flag for inappropriate content

    You might also like

    Presentation On Finanical Planning

    Uploaded by

    Ruthvik Sharma
    37 views20 pages
    The document discusses that a single financial plan does not fit everyone's unique needs and circumstances. It highlights that people differ in their responsibilities, commitments, dreams, risk appetite, returns expectations, and financial security needs. Therefore, customized financial planning is required that takes all these factors into account. The document then provides examples of financial plans tailored for different life stages from ages 25-35 to 55+, and recommendations for types of insurance, investments, asset allocation, and tenures based on risk profiles. It concludes by listing dos and don'ts of financial planning and providing contact information for a financial advisory firm.

    Original Description:

    Financial planning is a mandatory requirement which has to be taught in schools.

    Original Title

    Presentation on finanical planning

    Copyright

    © © All Rights Reserved

    Available Formats

    PPTX, PDF, TXT or read online from Scribd

    Did you find this document useful?

    Is this content inappropriate?

    Report this Document
    The document discusses that a single financial plan does not fit everyone's unique needs and circumstances. It highlights that people differ in their responsibilities, commitments, dreams, risk appetite, returns expectations, and financial security needs. Therefore, customized financial planning is required that takes all these factors into account. The document then provides examples of financial plans tailored for different life stages from ages 25-35 to 55+, and recommendations for types of insurance, investments, asset allocation, and tenures based on risk profiles. It concludes by listing dos and don'ts of financial planning and providing contact information for a financial advisory firm.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    Download as pptx, pdf, or txt
    37 views20 pages

    Presentation On Finanical Planning

    Uploaded by

    Ruthvik Sharma
    The document discusses that a single financial plan does not fit everyone's unique needs and circumstances. It highlights that people differ in their responsibilities, commitments, dreams, risk appetite, returns expectations, and financial security needs. Therefore, customized financial planning is required that takes all these factors into account. The document then provides examples of financial plans tailored for different life stages from ages 25-35 to 55+, and recommendations for types of insurance, investments, asset allocation, and tenures based on risk profiles. It concludes by listing dos and don'ts of financial planning and providing contact information for a financial advisory firm.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    Download as pptx, pdf, or txt
    of 20

    Does a single financial planning fits for all?

    The same size doesn’t fit for all


    Different Persons – Different Needs
    We all have multiple

    ₹ ₹ ₹

    Responsibilities Commitments Dreams &


    Aspirations
    We also differ in our

    Investment outlook Returns expectations


    Risk appetite
    Financial commitments Financial security needs
    That's why we need
    Customized Financial And Investment Planning
    We need to plan for our
    responsibilities
    Protection Planning Children Future

    o Death o Education
    o Disability o Marriage
    o Disease o Support
    We need to
    Plan for our
    responsibilities
    Wealth Creation Retirement Planning
    o Saving
    o Self
    o Beat Inflation
    o Spouse
    o Tax Planning
    o Parents
    25-35 Age

    Bachelor Married

    Term Policy Dream Car

    Medical Insurance Child Higher Education

    Marriage & Honeymoon Savings for long term

    Risk Category : High Risk


    35-45 Age

    Long Term Wealth Creation Increase Term Insurance


    Dream Home Increase Medical Insurance
    coverage
    Plan for UR Retirement Parents Retirement
    Don’t forget to write a will International Vacation

    Risk Category : High Risk


    45-55 Age

    Increase Savings for Pre pay debts


    retirement
    Allocate part of ur savings for Allocate savings for child’s
    child’s higher education marriage

    Risk Category : Moderate Risk


    55+ Age

    Wealth Protection
    Regular Income Savings

    Risk Category : Conservative


    Term Policy
    For 1 Crore Sum Assured

    Age Premium

    30 Rs. 15,260 pa

    35 Rs. 18,538 pa

    40 Rs. 23,600 pa

    45 Rs. 30,571 pa

    50 Rs. 39,740 pa

    55 Rs. 67,800 pa
    Child Education Policy
    Retirement Policy
    Different Investment Options

    Gold Equity Debt Land/ Real Estate

    Chits
    Mutual Funds
    (Unorganized)

    Stock Markets Fixed Deposit

    ULIPs Mutual Funds

    PMS Corporate Bonds

    Endowment
    Policy
    Mutual funds -
    Modes of Investment

    SIP

    Lump Sum
    Recommended Tenure of Investment
    Tenure Asset Class Rate of Return

    Savings ~ 4%
    0 – 30 Days
    Liquid Funds ~ 6.5%
    Fixed Deposit ~ 7%
    1 – 12 Months
    Short Term Debt ~ 8.5%
    Fixed Deposit ~ 7.5%
    1– 3 Years Organized Chits ~ 12%
    Long Term Debt ~ 10%

    3 – 5 Years Balanced Funds ~ 12+ %

    Multi Cap /
    5 – 7 Years ~ 15+ %
    Large Cap Funds

    Mid and Small Cap


    7 – 10 Years ~ 18+ %
    /ULIPs (Insurance)

    > 10 Years Land ~ 15+ %


    Do’s
    • Term insurance (min10 times of annual income)
    • Liquid funds (At least for 3 months of expenses)
    • Health Insurance (5-10 Lakhs)
    • Start Investment in Mutual Funds through SIP
    • Write your financial goals
    • Save min 20% of annual income (with proper asset mix)
    • Understand your risk appetite
    • Plan your investments
    • Choose an able and trustworthy Advisor
    • Invest in financial assets like stocks, Mutual funds, ULIP’s etc.,
    Don’ts
    • Don’t put all your eggs in one basket
    • Don’t follow, take decisions
    • Don’t do ad hoc investments
    Wealth Tree Group
    Financial Planning | Mutual Funds | Insurance | Stock Broking
    Research and training (Financial Markets)

    Contact us
    Rajesh Jain: 97040 30202
    Prasad Dasari: 73311 07814
    info@wealthtreegroup.in

    You might also like