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Financial planning final

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