Financial planning final


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Financial planning final

  1. 1. Financial Planning<br />MagnusFinancial Planners<br />
  2. 2. What is Financial Planning?<br />Financial Planning is a process aimed at identifying all the financial needs of an individual and translating these needs into monetarily measurable goals at different times in the future.<br />Financial Planning ensures that right amount of money is available in the right hands at the right time in the future to achieve an individual’s financial goals.<br />
  3. 3. Objectives Of Financial Planning<br />Identifying the requirement for money for different purposes and prioritising them<br />Converting these requirements into specific needs, in terms of money, and the time when it is required<br />Taking stock of the investors’ current financial position. <br />Planning savings and investments in a manner that would enable the investors to achieve their pre-determined goals<br />Optimising returns through adequate diversification in sync with the investors’ risk – return frame work<br />
  4. 4. Why do we need Financial Planning?<br />To fund our future needs through right mix of investments.<br />To protect our future from unforeseen contingencies<br />To maintain the same standard of living even after retirement.<br />To choose assets commensurate with the investors life stages.<br />To beat the ravages of inflation<br />To enable risk management through diversification.<br />
  5. 5. Life Stages<br />Emergencies????<br />Retirement<br />Kid 2’s Marriage<br />Kid 1’s Marriage<br />????<br />House<br />Kid 2’s College<br />Car<br />Kid 1’s College<br />Income<br />Kid 1<br />Kid 2<br />Marriage<br />Savings / Investing<br />Working Life<br />75 +<br />60<br />Retired Life<br />0<br />25<br />Birth and Education<br />Age<br />
  6. 6. Factors necessitating financial planning<br />Rising Life <br />Expectancy<br />Inflation<br />Financial<br />Planning<br />Protection against<br />Uncertainty<br />Balanced Asset <br />Allocation<br />
  7. 7. Components of financial planning<br />Financial planning comprises:<br />Insurance planning<br />Investment planning<br />Tax planning<br />Estate planning<br />Retirement planning<br />
  8. 8. Purchasing Power !<br />Let us assume, today your purchasing goods worth Rs.15,000 & inflation – 6%<br />The Purchasing power of Rs. 15000 will be reduced to Rs. 3495.<br />The problem is, how to maintain the same level ?<br />
  9. 9. Can you do your own financial planning?<br />Will your family be financially secure in the event of your unfortunate illness / demise?<br />Will the stream of cash flows arising from your asset holdings be sufficient to match the expected liability structure? <br />Are your finances inherently tax efficient?<br />Have you made adequate provisions for your children’s education and marriage?<br />Are you confident enough to enjoy your post-retirement life?<br />If your answer is NO to any one or all of the above questions, <br />you need a specialist to handle your finances.<br />
  10. 10. Benefits<br />Client will be fully aware about the solution provided. <br />Provide Clarity and Purpose towards achieving Financial Goals<br />Improve cash flow<br />Improve investment performance<br />Draw a road map for financial freedom<br />Lower personal income taxes<br />Peace of Mind<br />
  11. 11. Systematic investment planning<br />Rs.1000 invested every month for 30 years@ 15%<br />The Power of Compounding<br />Even small amounts invested regularly can grow substantially<br />
  12. 12. The Formula for Creating Wealth<br />Create Wealth<br />Invest Regularly<br />Start Early<br />Make your money work hard for you<br />
  13. 13. Systematic Investing<br /><ul><li>A method of investing regularly to benefit from the stock market volatility
  14. 14. Regular- Similar to Recurring Deposit
  15. 15. Convenient and Hassle-Free
  16. 16. Automatic investments, one-time instruction, transactions on the net
  17. 17. No entry load
  18. 18. No entry charge for systematic investments
  19. 19. Forced saving
  20. 20. Similar to PF : Small amount invested every month to become a huge sum after some years
  21. 21. Light on the wallet</li></li></ul><li>What Financial Planner will do?<br />A Financial Planner will construct a tailored and comprehensive plan around your current circumstances and desired outcomes.<br />THE PROCESS ~<br />Gathering Relevant Information<br />Setting Life Goals<br />Examining Current Financial Status and Setting up Budget<br />Formulating Financial Plan<br />Implementing Financial Plan<br />Reviewing and Monitoring Financial Plan<br />
  22. 22. Who Are We?<br />
  23. 23. Magnus Financial Plannersway to financial peace<br /> We are providing fee based Financial Planners and independent of product sales, also provide unbiased recommendations by keeping the client’s interest uppermost in mind and creating a road map leading to his financial freedom.<br />
  24. 24. Special Attributes<br />Clearly defined Fee Based Advisory models with a holistic approach<br />Dedicated CERTIFIED FINANCIAL PLANNER ’S for client servicing<br />Seasoned professionals with rich experience in the financial service industry.<br />
  25. 25. malleshp_cfp@live.comTHANK YOU<br />