FINANCIAL PLANNING CONCEPTS

1. Presentation By:
Vishwesh Oroskar
Mb: 98201 12437
FINANCIAL PLANNING CONCEPTS

2.  Introduction
 Short Story – Takeaways & Learnings
 Financial Planning Concepts
 Sample Financial Plan
 How we can help you ?
 Q & A

3.  Save & Spend NOT Spend & Save
 Save Religiously in Structured manner
 Creation of Retirement Corpus
 Creation of Corpus for Specific Goals

4.  Planning
Planning means looking ahead and chalking out future courses of
action to be followed
Examples : Plan a Business trip
Prepare for competitive exam
Proper Planning Prevents Poor Performance

5.  Financial Planning
 Financial Planning is the process of meeting
your Life Goals through proper management of
resources
 Examples of Goal : Buying House property
Buying Car
Children Higher Education
Retirement Planning

6.  Financial Planning Pyramid
Wealth
Protection
Wealth
Accumulation
Wealth
Distribution
START

7. PLANMEET
IMPLEMENTREVIEW
Data Collection
Goal Setting
Current Analysis
Draft Plan
Final Plan
Product Suggestion
Execution
Follow-up
Monitoring
Follow-up
Query Solving

8. Asset Allocation
Real
Estate
Mutual
Fund
Equity

9.  WHY Asset Allocation ?
◦ Get ROI on your
investments while
managing risks
◦ Avoid putting eggs in a
single basket
 Asset Allocation

10. Risk Profiling
conservative
Moderate
Aggressive
Risk Averse

11. Emergency Fund Analysis
 Maintain a Fund with 3 to 6 times of your monthly
expenses in cash or near-cash investments
 Suggested Products
 Cash
 Short term Fixed Deposit
 Sweep-in Accounts
 Savings Account
 Short term Debt MF

12. Protection Planning (Life Insurance)
 Human Life Value:
Empirical Formula
[ Yly Income * Working Life Remaining * 0.25 ]
 Suggested Products
 Endowment Product (Life Cover + Saving )
 Term Insurance ( Pure Life Cover )

13. Protection Planning (Non-Life Insurance)
 Make sure you have –
 Health Insurance
 Property Insurance
 Motor Insurance
 Professional Liability Insurance

14. Investment Planning (Time Value of Money )
Time
Money
Interest
Invest at highest Rate
possible
( Best Opportunity )
Invest as Long as possible
( Power of Compounding )
Invest as much as
possible & as often as
possible

15. S.No Client’s Age – SIP
Start
SIP Amt Corpus Creation @ 58
1 30 10,000 1,69,64,856
2 35 10,000 1,00,54,665
3 40 10,000 57,63,980
4 45 10,000 30,99,802
5 50 10,000 14,45,558

16. S.N
o
Client’s
Current
Age
Current
Monthly
Expns
Est
Monthly
Expns At
Retireme
nt
Retirement
Corpus Reqd
@ 58
Monthly SIP
for
Retirement
Corpus
1 30 30,000 2,58,812 8.38 Cr 34,444
2 31 30,000 2,39,641 7.76 Cr 35,908
3 32 30,000 2,21,890 7.18 Cr 37,459
4 33 30,000 2,05,453 6.65 Cr 39,106
5 34 30,000 1,90,234 6.16 Cr 40,861
6 35 30,000 1,76,143 5.70 Cr 42,736
7 36 30,000 1,63,095 5.28 Cr 44,747
8 37 30,000 1,51,014 4.89 Cr 46,911
9 38 30,000 1,39,828 4.53 Cr 49,251
10 39 30,000 1,29,470 4.19 Cr 51,794

17. Estate Planning
Estate planning involves making plans for transfer of
your estate after your death. Your estate is all the
property that you own . It can include house,
jewellery, cars, land, investments, saving account
etc.
Nomination
Will
Trust

18. Tax Planning
Tax Saving Products
 Sec 80 C : ELSS , Life Insurance,PPF, EPF,
Home Loan Principal repayment
 Sec 80 D : Health Insurance / Mediclaim
 Sec 24(b) : Home Loan Interest

19. Sample Financial Plan

20. We can help you
Save in a STRUCTURED manner
To Achieve your Financial Objectives &
Aspirations
Contact: Vishwesh Oroskar
Mail id: vishwesho@hotmail.com
Mobile: 98201 12437

21. Financial Planning Ensures
– Happy & Stress-free Family Life