Financial planning presentation

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K.Gandhi Present

Financial Literacy through Financial Planning and knowledge Coaching through Seminars And Article
Financial Literacy in India is very low
People invested there Harden money through mediators like Agents, Brokers , Banker’s Cross sell or Advt. world like T.V.,News paper, tips or own understanding through on line search, past track records etc.. etc.. Due to lack of time.

But when it realizes on later half then its too much late. To avoid this kind of situations with there harden money or trial and error method needs financial planning and update with financial literacy.

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  • Dear Sir/Ma We offer bank instruments on lease but not direct funding. These bank instruments can be in the form of Bank Guarantee (BG) or Standby Letter of Credit (SBLC) as well as PBs, LCs, DLC et al. Our bank instruments can be monetized with a Lender or Funding or can be used as a Collateral for Loans as well as for all kinds of Trade, Commodity trading and others. Also these instruments can be put in PPP, etc. Please do let me know of your willingness to proceed and I will be glad to share with you our working procedures. BROKERS ARE WELCOME & 100% PROTECTED!!! If Interested kindly contact me via Email:~ Contact: ... bgsblc.syed@gmail.com Skype ID: bgsblc.syed
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  • Dear Partner/Associate, Are you an individual businessman or a business organisation that wishes to expand in business ??, we offer financial instrument such as BGs, SBLCs, MTNs, LCs, CDs and others on lease and sales at a rate of (3 + 0.5 + X)% of the facevalue and reasonable conditions from a genuine provider. You are at liberty to engage our leased facilities into trade programs as well as in signatory project(s) such as Aviation, Agriculture, Petroleum, Telecommunication and any other project(s) etc. With our financial/bank instrument you can establish line of credit with your bank and/or secure loan for your projects in which our bank instrument will serve collateral in your bank to fund your project. We deliver with time and precision as set forth in the agreement. Our terms and Conditions are reasonable and we work directly with issuing bank lease providers, this instrument can be monetized on your behalf for upto 100% funding. BROKERS ARE WELCOME & 100% PROTECTED!!! Syed Serajul BANGLANDESHI Contact: Contact Email : Contact: ... bgsblc.syed@gmail.com Skype ID: bgsblc.syed
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  • Good Day to You Sir/Ma'am, We have direct and efficient providers of Bank Guarantee (BG’s), Insurance Guarantees, MTN, Confirmable Bank Drafts, Standby Letters of Credit (SBLC) and Third Party Guarantees. If you are a potential Investor or principal looking to raise capital, we will be happy to answer any questions that you have about this opportunity and to provide you with details regarding these services. Our BG/SBLC Financing can help you get your project funded, by providing you with yearly renewable leased bank instruments. We work directly with the providers of these instruments. Leased Instruments can be obtained at minimal costs to lessor compared to other banking finance options. This offer is open to both individuals and corporate bodies. If you have need for Corporate loans, International project funding, etc. or if you have a client that requires funding for his project or business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF or MTN, we fund 100% of the face value of the financial instrument. Inquiries from agents/ brokers/ intermediaries are also welcome. If you are interested in seeking to raise finance for your business/projects in this way For further details contact us with the below information Thank you. BROKERS ARE WELCOME & 100% PROTECTED!!! If Interested kindly contact me via Email:~ Contact: ...bgsblc.syed@gmail.com Skype ID: bgsblc.syed
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  • Dear Sir/Ma, I can deliver leased instruments to Organization or individuals, Trading, Discounting, signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects with their preferred text verbiage as been approved by their bankers. We also proffer-sales option to interested buyers. Our terms and procedures are so flexible and workable by RWA clients. Our lease rate is (5.0 + 1)%+x%. X% IS Lessee broker's Commission and he determines his commission. Also we have facilities to discount BG and Put you into PPP Trading. For further inquiries, Contact: ... bgsblc.syed@gmail.com Skype ID: bgsblc.syed
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  • we Deal on all forms of banking instrument which can be engage in PPP Trading, Discounting, signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, automobile, construction of Dams, Bridges, Real Estate and all kind of projects, we can deliver at affordable price to our customers in other to derive maximum utility BROKERS ARE WELCOME & 100% PROTECTED!!! For further inquiry contact Contact: ... bgsblc.syed@gmail.com Skype ID: bgsblc.syed
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Financial planning presentation

  1. 1. K.Gandhi Present Financial Literacy through Financial Planning and knowledge Coaching through Seminars And Article. www.fpindia.in www.fpindia.in
  2. 2. What is Financial Planning? • A financial plan is an assessment of your current financial situation and steps to improve it in future. • It is a forward looking document, taking into consideration your needs, goals and requirements based on certain assumptions. • A systematic approach to plan your finances the need-based way. • A continuous process driven to reflect the necessary changes at the micro and macro level. If you fail to plan, you plan to fail. www.fpindia.in
  3. 3. Financial Literacy in India is very low • People invested there Harden money through mediators like Agents, Brokers , Banker’s Cross sell or Advt. world like T.V.,News paper, tips or own understanding through on line search, past track records etc.. etc.. Due to lack of time. • But when it realizes on later half then its too much late. To avoid this kind of situations with there harden money or trial and error method needs financial planning and update with financial literacy. www.fpindia.in
  4. 4. CASH FLOW ANALYSIS RISK ESTATE MANAGEMENT PLANNING FINANCIAL PLANNING RETIREMENT TAX PLANNING PLANNING INVESTMENT STRATEGY Financial Planning? A holistic approach. www.fpindia.in
  5. 5. What is Cash Flow Planning? • In simple terms, cash flow refers to the inflow and outflow of money. It is a record of your income and expenses. Though simple very few people actually keep a track. • The base of any financial plan is a cash flow projection which if negative could prove to be dangerous. • Cash flows mirror your financial future and outline the perils if systematic and disciplined investments are not taken place. • You could easily find yourself in a debt trap if proper cash flow planning is not on your agenda. www.fpindia.in
  6. 6. Cash Flows For The Working Class PERSONAL EXPENSES HOUSEHOLD EXPENSES INCOME INSURANCE PREMIUM EMI’S income – expenses = savings www.fpindia.in
  7. 7. Risk Management • Identifying the shortfalls in your situation and strategies to work on the same. • Going beyond traditional products like life insurance and health plans. • Your life style and life cycle stage taken into consideration before arriving at accurate figures of life insurance requirement, not going by generic thumb rules. www.fpindia.in
  8. 8. Investment Planning • A feasible strategy to suit your needs & requirements. • Bifurcated in the asset allocation suitable to your age, timehorizon & risk-absorbing capacity. • Periodic reviews to incorporate necessary changes if the situation so demands. • Constant updates with your portfolio statements to make you feel secured & financially confident. www.fpindia.in
  9. 9. Tax Planning • Investments structured in a manner to achieve your longterm goals bifurcated as per asset allocation and risk profile. • Investments eliminated. with an objective of only to save taxes • Commencing the tax planning activity well in advance, thereby getting the opportunity to explore various options. • With sound advice and time at disposal, tax planning is not an arduous task as it appears to be. www.fpindia.in
  10. 10. Retirement Planning • An area often ignored and overlooked. • Earmarking a certain % of your earnings towards building up your retirement corpus in your working years. • Detailed calculations to enjoy a peaceful & stress-free retirement in your golden years. • Taking into consideration inflation pre & post retirement and a defensive strategy adopted in the later years. www.fpindia.in
  11. 11. Cash Flows For The Retired Class PERSONAL EXPENSES Hence the need for retirement corpus to be built up in your working life… NO INCOME Goals could take the form of overseas vacation, charity, leaving an estate. HOUSEHOLD GOALS EXPENSES Savings during working life need to be capitalized to build up a sound retirement corpus. possible only through prudent financial planning www.fpindia.in
  12. 12. Estate Planning • We strive hard our entire life to build an estate without much giving thought to whom we need to pass it on. • Even reputed business families were not escaped. You are the one who will decide who will get the property when you will not be there. But is that enough. • Having a will and not updating it after change in mind-set does not hold good. • Update it at regular intervals where ever applicable. www.fpindia.in
  13. 13. Why do you need 360° Financial Planning? • Complexity of Financial Products. • Ever changing Govt Policies, Taxation Laws. • Market Movements, Fluctuating Interest Rates. • Increasing Life Expectancy, No Social Security. • Overburden of Information but lack of need-based goal specific advice. • Too many products to choose from. www.fpindia.in
  14. 14. C O M M O N Dream House Children Education Wedding of Children Wealth Creation Comfortable Retired life Passing Wealth to the next generation G O A L S any many more……. www.fpindia.in
  15. 15. Plan Implementation • The beauty of a plan lies in its implementation. • Many a times even though we may believe in the process we delay our funding. • If in a liquidity crunch, start building up an emergency reserve first and foremost. • If it is due to financial inertia then it is important to wake up and take corrective steps at the right time for fulfillment of goals and not to repent later. • Delay in investments not only make it difficult to achieve our goals but also result in an increased outflow to make up for the shortfall. • A plan not implemented is just a simple plain document losing its essence in black and white. www.fpindia.in
  16. 16. Financial Planning Mantra Plan Today – Tomorrow may be too late It is never too early to Plan and Execute. See the cost of postponement of investment for the Goal of your Child’s Education due after 15 years: 23,96,558 Monthly investment required to achieve the Goal 10,00,000 29,054 10,315 4,750 Goal Amount in Present Value Future Value of Goal If You Start Today www.fpindia.in If You Start after 5 years If You Start after 10 years
  17. 17. A Financial Plan gives you… • • • • • • • • • • • • Financial Literacy And Knowledge Coaching Financial Independent Cash Flow Analysis Risk Management Strategy Asset Allocation Tailor Made Investment Strategy Tax Planning Retirement Planning Action Plan Review of your Portfolio at periodic intervals Portfolio Rebalancing Need for Estate Planning in addition to these numericals peace of mind & sound sleep… www.fpindia.in
  18. 18. … your road map to Financial Independence. www.fpindia.in
  19. 19. Financial Planning Service • • • • • • FINANCIAL PLAN PREPERATION IMPLEMENTAION PORTFOLIO CONSTRUCTION FINANCIAL PLAN PROGRESS REVIEW( HALF YEARLY) QUARTERLY PORTFOLIO REVIEW & REBALANCING CONSOLIDATE PORTFOLIO STATEMENT ONCE IN A MONTH ( 12 + 10 + 6 PAGE REPORT OF YOUR PORTFOLIO) • ANNUAL TRANSATION STATEMENT • REGULAR AFTER SALES SUPPORT www.fpindia.in
  20. 20. Watch our knowledge based article on www.scribd.com search by kirang gandhi • Article related to RBI POLICY,europeon crises , CIBIL,Fiscal deficit, Financial planning,risk management, budget policy,economy policy,stock market,mutual funds ,Fixed deposits, insurance and investment planning,life style plaaning,Debt and Debenture Market,SEBI VS IRDA etc… www.fpindia.in
  21. 21. Expert Advice on • • • • • • • • Financial Planning, Comprehensive Financial planning, Financial Health check up, Net worth Analysis, Asset Allocation strategy, Cash flow Planning, Budget Planning, Tax Planning, www.fpindia.in
  22. 22. Financial Literacy and Knowledge Coaching • • • • • Insurance Planning, Health Insurance Planning, Child Future / Retirement Planning, Other Financial Goals, Emergency Fund Planning, www.fpindia.in
  23. 23. Financial Literacy and Knowledge Coaching • • • • • • • Risk Analysis ( Investment ), Investment Review, Investment Planning, Estate Planning, Debt Advisory, Insurance Policy Analysis, Investment with Education www.fpindia.in
  24. 24. Let’s begin today. fill up your Fact Find Form… and get a Financial Planning Snapshot of your life www.fpindia.in

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