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First Steps towardsFinancialIndependence Smile on the Dotted Line

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Financial IndependenceFinancial Goal - I ● Start Early ● Establish clear investment objectives ● Identify your needs at different times of your life ● Prepare an effective investment strategy for each objective ● Decide on how much you can save regularly Smile on the Dotted Line

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Financial IndependenceFinancial Goal - II ● Understand your risk taking capacity ● Dont put all your eggs in one basket ● Invest regularly ● Monitor your Investment performance Smile on the Dotted Line

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Financial IndependenceUnderstand your Investment Objectives ● Capital Growth ● Capital Preservation ● Regular Income Smile on the Dotted Line

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Financial IndependenceMaking the Right Choice - Understanding the Basics ● Inflation – and how does it impact returns? ● Nominal Income Vs Real Income ● The Power of Compounding Smile on the Dotted Line

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Financial IndependenceInflation – its impact on you Bread that used to cost Rs 7 in year 2000 costs Rs 13 in 2012 Smile on the Dotted Line

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Financial IndependenceNominal Income Vs Real Income Nominal Income is your Return on Investment. It is impacted both by Inflation & Taxes. Smile on the Dotted Line

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Financial Independence Real Rate of Returns from Investments16 15141210 986 4.54 1.520 Return Inflation Tax Real Income Nominal Return is 15% but the Real Return due to the impact of Inflation & Tax is 1.5% Smile on the Dotted Line *Assuming CAGR at 15% (Compound Annual Growth Rate).

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Financial IndependenceSavings - Start Early ● Let the Power of Compounding work for you Smile on the Dotted Line

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Financial Independence Benefits of Starting Early- I Savings Maya Max Start age 25 yrs 30 yrs Per month Rs 1,000/- Wealth at age 60* Rs 14,86,08,456/- Rs 7,0,09,821/- By starting early Maya is able to save double of Maxs Wealth. Smile on the Dotted Line*Assuming CAGR at 15%(Compound Annual Growth Rate).

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Financial Independence Benefits of Starting Early- II Savings Maya Max Per month Rs 2,000 Rs 9,000 From age 22-37 yrs 37-60 yrsAmount at age 60* Rs 3,36,96,218 Rs 2,17,48,931The benefits of starting early combined with thePower of Compounding leads to more wealth inthe long run. Max saves more for a longer periodand yet accumulates less wealth. Smile on the Dotted Line *Assuming CAGR at 15% (Compound Annual Growth Rate)

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Financial Independence Its Your DecisionPlan in advance rather than leave it to chance. Smile on the Dotted Line

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AbunDanze is enrolled as an AMFI RegisteredMutual Fund Advisor (ARMFA)Under AMFI Registration No.: ARN-13377Copyright August 2011:Abundanze Wealth Management LLP.All rights reserved.Website:abundanze.comEmail:smile@abundanze.com Smile on the Dotted Line