K.Gandhi Present Financial Literacy through Financial Planning and knowledge Coaching through Seminars And Article Financial Literacy in India is very low People invested there Harden money through mediators like Agents, Brokers , Banker’s Cross sell or Advt. world like T.V.,News paper, tips or own understanding through on line search, past track records etc.. etc.. Due to lack of time. But when it realizes on later half then its too much late. To avoid this kind of situations with there harden money or trial and error method needs financial planning and update with financial literacy.

1. K.Gandhi Present
Financial Literacy through Financial Planning and
knowledge Coaching through Seminars And Article.
www.fpindia.in
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2. What is Financial Planning?
• A financial plan is an assessment of your current financial
situation and steps to improve it in future.
• It is a forward looking document, taking into consideration
your needs, goals and requirements based on certain
assumptions.
• A systematic approach to plan your finances the need-based
way.
• A continuous process driven to reflect the necessary changes
at the micro and macro level. If you fail to plan, you plan to
fail.
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3. Financial Literacy in India is
very low
• People invested there Harden money through mediators like
Agents, Brokers , Banker’s Cross sell or Advt. world like
T.V.,News paper, tips or own understanding through on line
search, past track records etc.. etc.. Due to lack of time.
• But when it realizes on later half then its too much late. To
avoid this kind of situations with there harden money or trial
and error method needs financial planning and update with
financial literacy.
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4. CASH FLOW
ANALYSIS
RISK
ESTATE
MANAGEMENT
PLANNING
FINANCIAL
PLANNING
RETIREMENT
TAX
PLANNING
PLANNING
INVESTMENT
STRATEGY
Financial Planning? A holistic approach.
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5. What is Cash Flow Planning?
• In simple terms, cash flow refers to the inflow and outflow of
money. It is a record of your income and expenses. Though
simple very few people actually keep a track.
• The base of any financial plan is a cash flow projection which
if negative could prove to be dangerous.
• Cash flows mirror your financial future and outline the perils
if systematic and disciplined investments are not taken place.
• You could easily find yourself in a debt trap if proper cash
flow planning is not on your agenda.
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6. Cash Flows For The Working Class
PERSONAL
EXPENSES
HOUSEHOLD
EXPENSES
INCOME
INSURANCE
PREMIUM
EMI’S
income – expenses = savings
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7. Risk Management
• Identifying the shortfalls in your situation and strategies to
work on the same.
• Going beyond traditional products like life insurance and
health plans.
• Your life style and life cycle stage taken into consideration
before arriving at accurate figures of life insurance
requirement, not going by generic thumb rules.
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8. Investment Planning
• A feasible strategy to suit your needs & requirements.
• Bifurcated in the asset allocation suitable to your age, timehorizon & risk-absorbing capacity.
• Periodic reviews to incorporate necessary changes if the
situation so demands.
• Constant updates with your portfolio statements to make you
feel secured & financially confident.
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9. Tax Planning
• Investments structured in a manner to achieve your longterm goals bifurcated as per asset allocation and risk profile.
• Investments
eliminated.
with
an
objective
of
only
to
save
taxes
• Commencing the tax planning activity well in advance,
thereby getting the opportunity to explore various options.
• With sound advice and time at disposal, tax planning is not
an arduous task as it appears to be.
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10. Retirement Planning
• An area often ignored and overlooked.
• Earmarking a certain % of your earnings towards building up
your retirement corpus in your working years.
• Detailed calculations to enjoy a peaceful & stress-free
retirement in your golden years.
• Taking into consideration inflation pre & post retirement and
a defensive strategy adopted in the later years.
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11. Cash Flows For The Retired
Class
PERSONAL
EXPENSES
Hence the need for
retirement corpus to be
built up in your working
life…
NO
INCOME
Goals could take the
form of overseas
vacation, charity, leaving
an estate.
HOUSEHOLD
GOALS
EXPENSES
Savings during working life need to be capitalized to
build up a sound retirement corpus. possible only
through prudent financial planning
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12. Estate Planning
•
We strive hard our entire life to build an estate without much
giving thought to whom we need to pass it on.
•
Even reputed business families were not escaped. You are the
one who will decide who will get the property when you will not
be there. But is that enough.
•
Having a will and not updating it after change in mind-set does
not hold good.
•
Update it at regular intervals where ever applicable.
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13. Why do you need 360° Financial
Planning?
• Complexity of Financial Products.
• Ever changing Govt Policies, Taxation Laws.
• Market Movements, Fluctuating Interest Rates.
• Increasing Life Expectancy, No Social Security.
• Overburden of Information but lack of need-based goal
specific advice.
• Too many products to choose from.
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14. C
O
M
M
O
N
Dream House
Children Education
Wedding of Children
Wealth Creation
Comfortable Retired life
Passing Wealth to the
next generation
G
O
A
L
S
any many more…….
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15. Plan Implementation
• The beauty of a plan lies in its implementation.
• Many a times even though we may believe in the process we
delay our funding.
• If in a liquidity crunch, start building up an emergency reserve
first and foremost.
• If it is due to financial inertia then it is important to wake up
and take corrective steps at the right time for fulfillment of
goals and not to repent later.
• Delay in investments not only make it difficult to achieve our
goals but also result in an increased outflow to make up for the
shortfall.
• A plan not implemented is just a simple plain document losing
its essence in black and white.
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16. Financial Planning Mantra
Plan Today – Tomorrow may be too late
It is never too early to Plan and Execute. See the cost of
postponement of investment for the Goal of your Child’s Education due
after 15 years:
23,96,558
Monthly investment
required to achieve
the Goal
10,00,000
29,054
10,315
4,750
Goal
Amount
in
Present
Value
Future
Value of
Goal
If You
Start
Today
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If You
Start
after 5
years
If You
Start
after 10
years

17. A Financial Plan gives you…
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•
Financial Literacy And Knowledge Coaching
Financial Independent
Cash Flow Analysis
Risk Management Strategy
Asset Allocation
Tailor Made Investment Strategy
Tax Planning
Retirement Planning
Action Plan
Review of your Portfolio at periodic intervals
Portfolio Rebalancing
Need for Estate Planning
in addition to these numericals
peace of mind & sound sleep…
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18. … your road map to
Financial Independence.
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19. Financial Planning Service
•
•
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•
•
FINANCIAL PLAN PREPERATION
IMPLEMENTAION
PORTFOLIO CONSTRUCTION
FINANCIAL PLAN PROGRESS REVIEW( HALF YEARLY)
QUARTERLY PORTFOLIO REVIEW & REBALANCING
CONSOLIDATE PORTFOLIO STATEMENT ONCE IN A
MONTH ( 12 + 10 + 6 PAGE REPORT OF YOUR
PORTFOLIO)
• ANNUAL TRANSATION STATEMENT
• REGULAR AFTER SALES SUPPORT
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20. Watch our knowledge based article on
www.scribd.com search by kirang
gandhi
• Article related to RBI POLICY,europeon crises ,
CIBIL,Fiscal deficit, Financial planning,risk
management, budget policy,economy policy,stock
market,mutual funds ,Fixed deposits, insurance and
investment planning,life style plaaning,Debt and
Debenture Market,SEBI VS IRDA etc…
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21. Expert Advice on
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Financial Planning,
Comprehensive Financial planning,
Financial Health check up,
Net worth Analysis,
Asset Allocation strategy,
Cash flow Planning,
Budget Planning,
Tax Planning,
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22. Financial Literacy and Knowledge
Coaching
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Insurance Planning,
Health Insurance Planning,
Child Future / Retirement Planning,
Other Financial Goals,
Emergency Fund Planning,
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23. Financial Literacy and Knowledge
Coaching
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Risk Analysis ( Investment ),
Investment Review,
Investment Planning,
Estate Planning,
Debt Advisory,
Insurance Policy Analysis,
Investment with Education
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24. Let’s begin today.
fill up your Fact Find Form…
and get a Financial Planning Snapshot
of your life
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