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www.finerva.com | support@finerva.com | +91-9787-11-11-66
Personal Financial
Engineering
A presentation to the Officers
an...
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Finerva
• Our Mission
– Dedicated to educate and support individ...
www.finerva.com | support@finerva.com | +91-9787-11-11-66
A Need Analysis
•Preferred investment modes Insurance – Endowmen...
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Kya aap bhi ye sochte hain? ki
Safest option in life is to get ...
www.finerva.com | support@finerva.com | +91-9787-11-11-66
The way forward…
• Achieve Financial Freedom
Financial Freedom ...
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Myths in Financial Management
• Any investment with an element
•...
www.finerva.com | support@finerva.com | +91-9787-11-11-66
RETURNS FROM VARIOUS ASSET CLASS
0
2
4
6
8
10
12
14
16
18
EQUITY...
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Sensex Returns since 1979
WORST RETURN
BEST RETURN
1 YEAR
HOLDIN...
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Myth Number TWO
• Iwill get pension when I retire.
• I don’t nee...
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Myth number THREE
• Insurance is very costly.
– Term Plans are n...
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Inflation means Rs 10,000 would be…
25937
67275
174494
0
20000
4...
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Myth Number FOUR
• Gold jewels are an investment
– Cost of procu...
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Myth Number FIVE
• My house and vehicles are my assets
– Cash fl...
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Cash flow diagram
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Myth Number SIX
• To become a crorepathi is difficult
– Possible...
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Myth Number SEVEN
• Salary has to be my main source of
• income....
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Four Types of People
Employed
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Kaun banega
Crorepati ???
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Aap Bhi ban
sakthe hain
And Finerva is always here to help you…
www.finerva.com | support@finerva.com | +91-9787-11-11-66
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Myths personal finance

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Transcript of "Myths personal finance"

  1. 1. www.finerva.com | support@finerva.com | +91-9787-11-11-66 Personal Financial Engineering A presentation to the Officers and Staff of INS Agrani
  2. 2. www.finerva.com | support@finerva.com | +91-9787-11-11-66 Finerva • Our Mission – Dedicated to educate and support individuals in achieving financial freedom • Our Values – Committed to build long term trust with our clients and providing sustained thrust to their wealth creation • Our Background – Over ten years in training and practicing financial planning – Wide experience in different industry sectors
  3. 3. www.finerva.com | support@finerva.com | +91-9787-11-11-66 A Need Analysis •Preferred investment modes Insurance – Endowment Post Office Deposits Provident fund •Pension Planning: Only a few (7/19) •Children’s Plans: From PF & Deposits (9/19) •Risk Rating :Medium – 8, Low & No Risk – 11 •Loans : Low (5/19) Highest- 4,60,000. Lowest 6,000 •Average Age :33.6 years •Average Years to Retirement: 6.8 years •Average savings per year :Rs35,000/- •Salary is the only source of income Most cases
  4. 4. www.finerva.com | support@finerva.com | +91-9787-11-11-66 Kya aap bhi ye sochte hain? ki Safest option in life is to get a secure job and stay there always Only doctors make a lot of money Sale! Sale! I buy always when there is a sale I will never understand how investing works They have a big house, they must be rich… There is not enough money for everyone to be rich People who make mistakes are stupid Fixed deposits are safer than stocks I will never be rich… Investing in stocks is gambling. Only crooks become crorepathis
  5. 5. www.finerva.com | support@finerva.com | +91-9787-11-11-66 The way forward… • Achieve Financial Freedom Financial Freedom is the state of your personal life in which irrespective of whether you are working or not, you and your family is stable financially.
  6. 6. www.finerva.com | support@finerva.com | +91-9787-11-11-66 Myths in Financial Management • Any investment with an element • of risk is bad – Factors to be considered while investing • Returns • Liquidity • Safety • Taxation – Stock market returns over a period of time
  7. 7. www.finerva.com | support@finerva.com | +91-9787-11-11-66 RETURNS FROM VARIOUS ASSET CLASS 0 2 4 6 8 10 12 14 16 18 EQUITY DEBT GOLD
  8. 8. www.finerva.com | support@finerva.com | +91-9787-11-11-66 Sensex Returns since 1979 WORST RETURN BEST RETURN 1 YEAR HOLDING PERIOD WORST RETURN BEST RETURN 5 YEAR HOLDING PERIOD 10 YEAR HOLDING PERIOD BEST RETURN WORST RETURN +90% +44% +32% -26% -1% +12%
  9. 9. www.finerva.com | support@finerva.com | +91-9787-11-11-66 Myth Number TWO • Iwill get pension when I retire. • I don’t need retirement planning. – Expenses at the time of retirement – Skill set for retirement
  10. 10. www.finerva.com | support@finerva.com | +91-9787-11-11-66 Myth number THREE • Insurance is very costly. – Term Plans are not – Ensure your dreams for loved ones become reality
  11. 11. www.finerva.com | support@finerva.com | +91-9787-11-11-66 Inflation means Rs 10,000 would be… 25937 67275 174494 0 20000 40000 60000 80000 100000 120000 140000 160000 180000 10 20 30 10% 8% 6%
  12. 12. www.finerva.com | support@finerva.com | +91-9787-11-11-66 Myth Number FOUR • Gold jewels are an investment – Cost of procurement, cost of disposal – Growth in value only covers inflation
  13. 13. www.finerva.com | support@finerva.com | +91-9787-11-11-66 Myth Number FIVE • My house and vehicles are my assets – Cash flow diagram & explanation – How they can be assets
  14. 14. www.finerva.com | support@finerva.com | +91-9787-11-11-66 Cash flow diagram
  15. 15. www.finerva.com | support@finerva.com | +91-9787-11-11-66 Myth Number SIX • To become a crorepathi is difficult – Possible with small amounts invested regularly also, if you start early. – Returns chart & savings amount
  16. 16. www.finerva.com | support@finerva.com | +91-9787-11-11-66 Myth Number SEVEN • Salary has to be my main source of • income. – Types of People – 4 – Be an Investor / Businessman – Leverage OPM, OPT – Leverage Technology
  17. 17. www.finerva.com | support@finerva.com | +91-9787-11-11-66 Four Types of People Employed
  18. 18. www.finerva.com | support@finerva.com | +91-9787-11-11-66 Kaun banega Crorepati ???
  19. 19. www.finerva.com | support@finerva.com | +91-9787-11-11-66 Aap Bhi ban sakthe hain And Finerva is always here to help you…
  20. 20. www.finerva.com | support@finerva.com | +91-9787-11-11-66
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