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Personal Financial Engineering A presentation to the Officers and Staff of INS Agrani
Experts in Personal Financial Engineering <ul><li>Our Mission </li></ul><ul><ul><li>Finerva is a professional group dedica...
INS Agrani- A Need Analysis <ul><li>Preferred investment modes Insurance – Endowment </li></ul><ul><li>Post Office Deposit...
Kya aap bhi ye sochte hain? ki <ul><li>Safest option in life is to get a secure job and stay there always </li></ul><ul><l...
Myths in Financial Management <ul><li>Any investment with an element  </li></ul><ul><li>of risk is bad </li></ul><ul><ul><...
RETURNS FROM VARIOUS ASSET CLASS
Sensex Returns since 1979 WORST RETURN BEST RETURN 1 YEAR HOLDING PERIOD WORST RETURN BEST RETURN 5 YEAR HOLDING PERIOD +9...
Myth Number TWO <ul><li>I   will get pension when I retire. </li></ul><ul><li>I don’t need retirement planning. </li></ul>...
Inflation means Rs 10,000 would be…
Myth Number THREE <ul><li>Gold jewels are an investment </li></ul><ul><ul><li>Cost of procurement, cost of disposal </li><...
Myth Number FOUR <ul><li>My house and vehicles are my assets </li></ul><ul><ul><li>Cash flow diagram & explanation </li></...
Cash flow diagram
Myth Number SEVEN <ul><li>To become a crorepathi is difficult </li></ul><ul><ul><li>Possible with small amounts invested r...
Myth Number SIX <ul><li>Salary has to be my main source of </li></ul><ul><li>income. </li></ul><ul><ul><li>Types of People...
Four Types of People Employed Employed Businessman Investor
Kaun banega Crorepati ???
Aap Bhi ban sakthe hain And Finerva is always here to help  you…
Questions ? Thank you !!!
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Ins Agrani Workshop

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Transcript of "Ins Agrani Workshop"

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