Very few of us are coached to be financially smart and create assets during early stage of our careers. That results in weak financial positions 5 years or 10 years into our careers. In this presentation I share simple tips to keep financial health and create assets as we progress in our careers

1. Being a Financially
Smart Employee
Ahsan Saleem
SVP Confiz

2. Why this
talk?
• Most of us are not financially
coached and live pay-cheque to
pay-cheque.
• There are easy but less known
ways to create assets.
• We make common financial
mistakes, often.

3. Agenda for
today
Being smart about expenses
Understanding easy investment options
Financial mistakes I have made
Financial wellness beyond money

4. Being smart
about expenses
Investment/savings should not be
an after thought of expenses. Save
first and then spend the rest.

5. Common mistakes in managing expenses
Credit
Indulging in credit way too early
Luxury
Spending beyond limits e.g. car lease
Fear
Spending too little (it’s important to
live life)

6. Basics of
investing Relying on monthly salary in longer term is not
ideal. You must create assets that generate
returns.

7. Basic
investment
options
Stock market
Mutual funds
Company stocks

8. Stock Market
• Opening a trading account is fairly simple but trading isn’t.
• Long term investments generate returns.
• Must understand companies, their business and performance before investing.
• Don’t know many part-time day traders who made money.

9. Mutual Funds
Small and big
investors
Fund Manager
Investment
* Return
* Funds charge for every transaction (purchase and sell)

10. Types of
Mutual Funds
High Risk and Reward:
Equity Funds (12-14%
return)
Medium Risk and
Reward: Income
Funds (8-10% return)
Low Risk and Reward:
Cash Funds (5-7%
return)

11. • Long term returns
• Consistency is important
• Ignore short term losses

12. Tax Deductabiles
MUTUAL FUNDS
INVESTMENTS UPTO
RS2MILLION/YEAR
CHARITABLE DONATIONS
TO REGISTERED CHARITIES
UPTO RS2MILLION/YEAR
ADVANCE/WHT TAX PAID
ANYWHERE
RETIREMENT FUNDS UPTO
RS2MILLION/YEAR

13. • Almost Rs 23Million
• Save at least 10% in taxes
i.e. over Rs2Million
8.3 Million

14. Company Stocks
Joining a Company
Or Getting Promoted
Stock Options to buy
shares at a discounted
price are offered
Company pays share
holders dividends i.e.
profit/share (only if
company is profitable)
QuarterlyBuying Shares
You buy (invest) shares
and create asset
Liquidation Event i.e.
IPO or Company is sold
Share price is increased
and you make money by
selling shares

15. What not to do
• Investing in ‘non-real’ estate.
• Sleep investing in friend’s
business.
• Not saving for at least 6 months
household expense.
• Encashing provident/retirement
fund too early.
• Not filing taxes.

16. But the best
investment
advice is this
• Invest in yourself. Learn and work
hard every day, all the time, till
your last day.
• Donate and help others,
generously, relentlessly and all the
time.

18. Thank You