Presentation includes some financial planning for beginners and professional and tax saving strategies for retail investors.

1. Today’s Agenda
Financial Planning
01 Tax Saving Strategies
02

2. Financial
Planning
2- 40-20-40
Rule
1- 50-30-20
Rule

3. -Term life
insurance
plan
- Health
Insurance
- Insurance to
‘buy’ not
invest
Insurance
-Max (EPF)
- Investing
Bonus
Investing,
tax
planning
- Home
Loans
Loans
-A single no
frill bank
account
- A single no
frill credit
card
Other Tips

4. Tax Saving Strategies
National Pension
Scheme
Public Provident
fund (PPF) and
Bank Fixed
Deposits
-Direct Equity
-Equity mutual funds
-Debt mutual funds
Investment in
Equity and Debt
market
Gold
Real Estate RBI Taxable
Bonds

5. National Pension Scheme
1-3-5, year market return
9.5-8.5-11%
- Managed by (PFRDA)
- Lump sum or Monthly Pension
- Tax benefits and tax Rebate
- It is mix of equity, FD, corporate bonds,
liquid funds and government funds
- Asset allocation

6. PORTFOLIO
Public
Provident
Fund
- Risk free investment and tax free returns and
tax rebate under 80 c.
- One person- one account
- Range of Rs 500-150,000 per financial year
- Interest decided by CG 7.5-9% compounded
monthly .
Bank
Fixed
Deposits
-DICGC rules
- Options in taking interest cumulative
-Interest rate taxable
- ODFD Service
- Min 7 days up to 10 years

7. RBI Taxable Bonds
- Conservative Investor
- Scheme with lower tenure
- Issued in cumulative and non-
cumulative forms
Features
- Making Nominee and tax
redemptions

8. Real Estate Investment
02
03
04
Buying
Second
Property
Returns in
way of capital
appreciation
and rentals
Risk of
illiquid and
getting
approvals
01
Location

9. GOLD Investment
Buy gold coins
Gold ETFs
Minted coins
Sovereign Gold Bonds

10. Investment in
Equity and Debt
market
01 - Higher returns in long run
- Stop loss technique
Direct Equity
02
-Managing equity fund
actively and passively
Equity Mutual Funds
03 -Steady returns
- Less Risk
Debt Mutual Funds

11. Bibliography
https://youtu.be/jmPZ73I2J2Q
https://youtu.be/002F3UXySiM
https://youtu.be/YwN_BJeHaeU
https://www.paisabazaar.com/tax/how-to-save-income-tax/
https://youtu.be/C49nSjzg1iw
https://scripbox.com/blog/financial-plan-everyone

12. Thank You