It is important to build a diversified portfolio for achieving financial freedom

1. 2 3 % O F S A L A R I E D
P E O P L E A R E N ’ T
P R E P A R E D F O R
F I N A N C I A L
E M E R G E N C I E S : S U R V E Y
#avsenthil 1
C O U RT E S Y : M O N E Y C O N T R O L , F I N S A F E I N D I A
S U M M A RY : D R . AV. S E N T H I L

2. INTRODUCTION
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✓ Saving money is a big challenge for individuals — 57 percent of those surveyed saved less than
20 percent of their take-home salary,and 24 percent did not save at all.
✓ This was mainly due to lifestyle expenses, big loans, and simply not having a savings mindset.
✓ Planning for financial goals continues to be the biggest challenge for salaried Indians, according to
a survey conducted by Finsafe India, a financial education company.
✓ The survey was conducted among 1,364 salaried employees.

3. UNPREPARED FOR
FINANCIAL EMERGENCIES
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The survey highlighted the
lack of financial planning in
India.The salaried tend to
rely solely on employer
benefits and are unsure if
they are planning correctly
for their goals.
For instance, 48 percent of those
surveyed found planning for
financial goals to be their biggest
financial challenge, while 42
percent said they would not be
able to meet their expenses if
they lost their job.

4. #avsenthil 4
Forty-eight percent of
the respondents said
they relied on
employer-provided
medical cover, but were
not sure if that was
enough, and 23 percent
were not prepared for
medical emergencies at
all.

5. FINANCIAL PLANNING, MUTUAL FUNDS, AND TAXATION WERE
TOPICS THAT INVESTORS WANTED TO LEARN MORE ABOUT.
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While 44 percent of the
respondents invested in
equities, debt investments
like fixed deposits and
insurance policies were
popular among 36 percent
of those surveyed. About a
third of the respondents
(34 percent) did not invest
at all as they did not know
where to invest

6. WHAT DO INVESTORS WANT TO LEARN
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Savings, which is the
foundation to building wealth,
is a big challenge for
individuals — 57 percent
saved less than 20 percent of
their take-home salary, and 24
percent did not save at all.
This was mainly due to
lifestyle expenses, big loans,
and simply not having a
savings mindset.

7. LOW ON SIP, HIGH ON BITCOIN
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✓ While the reach of mutual funds is widespread and Systematic Investment Plans (SIP) are
seen as a good way to invest, the allocation (as part of the overall portfolio) remains low.
✓ Younger investors are chasing high yielding (and higher risk) products like P2P (peer-to-
peer) lending, company fixed deposits aka non-convertible debentures (NCD), stock
baskets, etc.
✓ Aggressiveinvestors do not look beyond returns and investment risks take a backseat.
✓ Conservativeinvestors value safety of capital over beating inflation.
✓ The net result is low savings, or investing in non-inflation beating and / or high risk
products (where the risk of capital loss is high).
✓ This inhibits wealth accumulation, and leads to a host of other financial challenges.

8. NEW FINANCIAL YEAR, NEW GOALS
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The beginning of the financial year is a good time to evaluateone’s finances, and
below are a few questions that need to be answered to make the assessment.
✓ Are you saving at least 30 percent of your take-home income?
✓ Are you adequately prepared for uncertainties? Do you have 3-6 months of
emergency cash and at least Rs 10 lakh of health insurance?
✓ Is your overall portfolio return beating inflation? Whatis the risk in the
portfolio?
✓ Is your total EMI less than 30 percent of your take-home income?
✓ Do you have a financial plan?

9. #avsenthil 9
A financial plan is an absolute must for every
individual. It guides an individual on the path to be
taken for managing finances as per one’s goals.
A financial plan also helps you put in place the
behavioral discipline required to reach your
financial goals.

10. THANK YOU
A P R E S E N TAT I O N B Y D R . AV. S E N T H I L
HAPPY TO BE OF HELP !!!
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