PERSONAL FINANCE FOR
                              BARCAMPERS
                                BarCamp Delhi
              ...
MAKE IT AND BURN IT
   •   what is your monthly income?

   •   what are your fixed costs (e.g.
       rent, car payment, m...
START NOW!!
     •   make a simple spreadsheet of
         monthly expenses and track it

     •   no income or expense is...
DON’T SAVE - INVEST
   •   savings accounts paying interest

   •   fixed deposits (certificates of deposit)

   •   pension...
THE STOCK MARKET

   • it’s      liquid, real-estate isn’t

   • much    more transparent than
       other investments

 ...
!




Monday 26 October 2009   6
!




Monday 26 October 2009   7
Returns of Stocks & Mutual Funds Over 30 Years




                                                                       ...
Mutual Fund          Stock




    !
                                                               300,000
              ...
CONCLUSIONS?




Monday 26 October 2009                  10
IMAGES
              All CC licensed images or purchased stock photos


   •   money by Wen-Yan King - http://www.flickr.co...
pankaj jain <pjain@teknatus.com>
                                www.teknatus.com
                                    Twit...
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Personal Finance for Barcampers

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A very simple introduction to personal finance and investing comparing investments in stocks or mutual funds. Presented at BarCamp Delhi on October 25th 2009.

Published in: Economy & Finance, Business
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Personal Finance for Barcampers

  1. 1. PERSONAL FINANCE FOR BARCAMPERS BarCamp Delhi October 25th, 2009 Monday 26 October 2009 1
  2. 2. MAKE IT AND BURN IT • what is your monthly income? • what are your fixed costs (e.g. rent, car payment, mortgage, etc.)? • what are your variable costs (e.g. eating out, telecommunications, etc.)? • how much are you burning? • how much is left over every month? Monday 26 October 2009 2
  3. 3. START NOW!! • make a simple spreadsheet of monthly expenses and track it • no income or expense is too large or small to track • start by understanding where your money is and where it is going • take steps to pull out a certain percentage of income every month for investing - 1%, 5%, 10%, 20% - whatever you can start with Monday 26 October 2009 3
  4. 4. DON’T SAVE - INVEST • savings accounts paying interest • fixed deposits (certificates of deposit) • pension plans • government bonds (short-term and long-term) • life insurance • health insurance • annuities • stocks/shares and mutual funds • commodities - gold/silver/platinum • derivatives - options/futures • currencies (FX/FOREX) • real estate Monday 26 October 2009 4
  5. 5. THE STOCK MARKET • it’s liquid, real-estate isn’t • much more transparent than other investments • your options: • self invest by picking stocks • go on auto-pilot by picking mutual funds Monday 26 October 2009 5
  6. 6. ! Monday 26 October 2009 6
  7. 7. ! Monday 26 October 2009 7
  8. 8. Returns of Stocks & Mutual Funds Over 30 Years ₨300,000 ₨270,000 ₨240,000 ₨210,000 ₨180,000 ₨150,000 ₨120,000 ₨90,000 ₨60,000 ₨30,000 Mutual FundStocks ₨0 Mutual Fund Stocks Mutual Fund Stocks Mutual Fund Stocks 2009 2019 2029 2039 Mutual Fund Stocks Monday 26 October 2009 8
  9. 9. Mutual Fund Stock ! 300,000 270,000 240,000 210,000 180,000 150,000 120,000 90,000 2009 60,000 2019 30,000 2029 0 2039 Monday 26 October 2009 9
  10. 10. CONCLUSIONS? Monday 26 October 2009 10
  11. 11. IMAGES All CC licensed images or purchased stock photos • money by Wen-Yan King - http://www.flickr.com/photos/medapt/ 407745883/ • piggy bank by alancleaver_2000 - http://www.flickr.com/photos/ alancleaver/2638883650/sizes/m/ • start by zhurnaly - http://www.flickr.com/photos/zhurnaly/ 196310475/sizes/m/ Monday 26 October 2009 11
  12. 12. pankaj jain <pjain@teknatus.com> www.teknatus.com Twitter: pjain Blogs: blog.linosx.com / teknatus.com/blog / semblr.com/blog This work is licensed under the Creative Commons Attribution-Noncommercial-Share Alike 3.0 United States License. To view a copy of this license, visit http://creativecommons.org/licenses/by-nc-sa/ 3.0/us/ or send a letter to Creative Commons, 171 Second Street, Suite 300, San Francisco, California, 94105, USA. Monday 26 October 2009 12
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