This document provides information from FWB Financial Planning about personal financial planning. It discusses topics such as the importance of financial planning, inflation and its effect, various financial tools and investment options, and the power of compounding. It emphasizes that financial planning is important for goal achievement in a timely manner and outlines FWB's financial planning packages and process.

1. FWB FINANCIAL PLANNING
PERSONAL FINANCIAL PLANNING
FORTUNE WELL BEING
“Health & Wealth”
REG OFFICE: B-8/134, Ground Floor, Sector-3, Rohini, New Delhi – 110085.
Registration No: 2011043959, Bank: ING Vysa Bank, Sector–3, Rohini, New Delhi – 110085.
Current Account Name: Fortune Well Being, Account No: 683011004744, IFSC Code: VYSA0006120
WEBSITE: www.fwb.co.in Email: fortunewellbeing@gmail.com & info@fwb.co.in
PHONES: 09582233598, 09873205152

2. TOPICS OF DISCUSSION
 Financial Planning & its Importance
 Inflation & its Effect in Financial Planning
 Financial Tools & Comparison
 Power of Compounding & ₹ 1 Crore Plan
 Equity (Not Risky in Long Term) & other Asset Classes
 Mutual Funds & Systematic Investment Plan (SIP)
 Health Insurance, Life Insurance & their Importance
 Personal Financial Planning Package by Fortune Well Being
 Benefits of Financial Planning by Fortune Well Being
 Process of Financial Planning by Fortune Well Being
01
FORTUNE WELL BEING

3. FINANCIAL PLANNING:
Financial planning is the process of establishing financial
goals and creating a way to reach them. The financial goals can include buying a house, saving for
your child’s education / marriage or planning for your retirement or simply creating a wealth for
your future. FINANCIAL PLANNING IS IMPORTANT FOR GOAL ACHIEVEMENT ON RIGHT TIME
IMPORTANCE OF FINANCIAL PLANNING – REAL EXAMPLE
₹ 8,000 PM
INVESTED
AMOUNT
INVESTED
WITHOUT
PLANNING @8 %
LAST 15 YEARS
₹ 14,40,000
₹ 27,18,228
LAST 10 YEARS
₹ 9,60,000
₹ 14,50,226
LAST 5 YEARS
₹ 4,80,000
₹ 5,87,312
(VALUES AS ON 31-12-2012)
WITH PRUDENT FINANCIAL
PLANNING
₹ 1,52,25,598 @ 27.81%
RELIANCE GROWTH FUND -GR
₹ 33,63,356 @ 23.78%
SUNDARAM SELECT MIDCAP FUND -GR
₹ 9,40,129 @ 27.5%
RELIANCE PHARMA FUND -GR
DIFFERENCE
₹ 1,25,07,370
₹ 19,13,130
₹ 3,52,817
FINANCIAL PLANNING IS IMPORTANT FOR GOAL ACHIEVEMENT ON RIGHT TIME
02
FORTUNE WELL BEING

4. INFLATION:
Inflation is a rise in the general level of prices of goods and services in
an economy over a period of time. Example: Effect of Inflation (See Table Below):
S.NO
PRODUCT
IN 1985
IN 2012
GROWTH
IN 2022
IN 2032
1
TOOTHPASTE
₹5
₹ 50
9.81%
₹ 127
₹ 325
2
MILK (1 Lt.)
₹4
₹ 36
8.48%
₹ 81
₹ 183
3
SUGAR (1 Kg)
₹4
₹ 45
9.38%
₹ 110
₹ 270
4
PETROL (1Lt.)
₹8
₹ 73
8.53%
₹ 166
₹ 378
5
ELECTRICITY (1 Unit)
₹ 0.27
₹7
12.81%
₹ 23
₹ 78
6
PRIMARY CLASS FEE
₹ 30/Month
₹ 1,500
15.59%
₹ 6,387
₹ 27,195
7
MBA
₹ 10,000
₹ 7,00,000
17.04%
8
STONE SURGERY
₹ 1,000
₹ 80,000
17.62%
03
₹ 33,76,301 ₹ 1,62,84,870
₹ 4,05,17
₹ 20,54,535
FORTUNE WELL BEING

5. INFLATION: Example: Suppose cost of a product this year is ₹ 100 & inflation is 8%
then next year you need ₹ 108 to buy the same product. (100 + 100 X 8% = ₹ 108)
S.NO
YEAR
MONTHLY EXPENSES OF A MIDDLE CLASS FAMILY
1
1960
₹ 100 (₹ ONE HUNDRED ONLY)
2
1980
₹ 1,000 (₹ ONE THOUSAND)
3
2000
₹ 10,000 (₹ TEN THOUSAND)
4
2020
₹ 1,00,000 (₹ ONE LAKH)
NOTE: AVERAGE INFLATION: 12.20% PER YEAR IN LAST 50 YEARS
(INCLUDES BASIC INFLATION + LIFESTYLE INFLATION)
“INFLATION IS THE CAUSE OF MONEY EROSION & NEEDS ATTENTION DURING FINANCIAL PLANNING”
04
FORTUNE WELL BEING

6. GOAL ACHIEVEMENT
(COMPARISION OF INVESTMENT OPTIONS {8%
& 18%})
CASE STUDY: Mr. A OF 35 YEARS & HAS A CHILD OF 3 YEARS (IMPORTANCE OF FINANCIAL PLANNING)
LUMPSUM
NEEDED
AT 8%
AT 8%
SIP
NEEDED
LUMPSUM
NEEDED
AT 18%
AT 18%
PRESENT
COST
GOAL
CHILD EDUCATION
(WHEN CHILD IS OF
17 YEARS)
CHILD MARRIAGE
(WHEN CHILD IS OF
25 YEARS)
RETIREMENT
MONTHLY EXPENSE
(AT 60 YEARS OF
AGE)
TOTAL
SIP
NEEDED
FUTURE COST
TIME
TO SAVE
(YEARS)
₹ 10,00,000
₹ 29,37,194
14
₹ 9,693
₹ 10,00,000
₹ 4,399
₹ 2,89,457
₹ 15,00,000
₹ 81,54,811
22
₹ 11,751
₹ 15,00,000
₹ 3,008
₹ 2,13,801
25
₹ 28,238
₹ 37,72,049
₹ 5,738
₹ 4,12,212
₹ 49,681
₹ 62,72,049
₹ 13,144
₹ 9,15,471
₹ 20,000
(PER MONTH)
₹ 25,00,000
₹ 1,36,980 PM
(CORPUS REQD)
₹ 2,58,32,787
₹ 3,69,24,791
ASSUMPTION: INFLATION-8%, POST RETIREMENT INFLATION-7%, LIFE EXPECTANCY-80 YEARS.
FINANCIAL PLANNING IS IMPORTANT FOR GOAL ACHIEVEMENT ON RIGHT TIME
05
FORTUNE WELL BEING

7. FINANCIAL TOOLS: INVESTMENT OPTIONS AVAILABLE










PPF
Bonds
NSC/KVP
Bank Fixed Deposits
Corporate Fixed Deposits
Life Insurance
Gold
Real Estate
Direct Equity
Mutual Funds
ANALYSE BEFORE INVESTING
S.NO.
PRODUCT FEATURE
YES/NO
1
BEATS INFLATION
Y
N
2
TAX EFFICIENT
Y
N
3
LIQUIDITY
Y
N
4
FLEXIBILITY
Y
N
5
COST (TIME & MONEY)
Y
N
6
GOAL ACHIEVEMENT
Y
N
EXAMPLE: ₹ 1,00,000 INVESTED IN BANK FIXED DEPOSIT @ 9% FOR 1 YEAR , INFLATION 7%
THE VALUE AFTER 1 YEAR ₹ 1,00,000- ₹ 7,000+₹ 9,000(TAXABLE) = ₹ 1,02,000. POST TAX RETURN
AFTER 1 YEAR = ₹ 1,02,000 - ₹ 2,700(TAX) = ₹ 99,300}. {BUT OUR NEED IS ₹ 1,07,000 + GROWTH}.
06
FORTUNE WELL BEING

8. FINANCIAL TOOLS: COMPARISION TABLE
ANNUAL
RETURNS
TIME
HORIZON
TAX FREE
RETURNS
LIQUIDITY
CAN BEAT
INFLATION
GOOD FOR GOAL
ACHIEVEMENT
8.6%
15 YEARS
YES
NIL
NO
NO
8-10%
8-12 YEARS
NO
NIL
NO
NO
NSC/KVP
8.6%
7-8 YEARS
YES
NIL
NO
NO
BANK FD
8-9%
VARIABLE
NO
NO
NO
NO
CORPORATE FD
9-12%
VARIABLE
NO
NO
NO
NO
LIFE INSURANCE
5-8%
10-20 YEARS
YES
LOW
NO
NO
GOLD
8-12%
VARIABLE
NO
YES
NO
NO
REAL ESTATE
APROXX15%
VARIABLE
NO
NO
MAY BE
NO
DIRECT EQUITY
APROXX 15%
VARIABLE
YES
LOW
MAY BE
NO
MUTUAL FUNDS
15-20%
≥ 5-8 YEARS
YES
FULL
YES
YES
FINANCIAL TOOL
PPF
BONDS
07
FORTUNE WELL BEING

9. IMPACT OF CHOOSING THE RIGHT INVESTMENT PRODUCT: SEE TABLE
EXAMPLE: ₹ 8,000 PM
10 YEARS
15 YEARS
20 YEARS
25 YEARS
AMOUNT INVESTED @ 0%
₹ 9,60,000
₹ 14,40,000
₹ 19,20,000
₹ 24,00,000
LIFE INSURANCE @ 6%
₹ 13,06,114
₹ 23,06,468
₹ 36,45,166
₹ 54,36,647
PPF/GPF @ 8%PA
₹ 14,50,266
₹ 27,18,227
₹ 45,81,280
₹ 73,18,715
ELSS @ 18% PA
₹ 24,72,640
₹ 64,08,877
₹ 1,54,14,034
₹ 3,60,15,651
GAP BETWEEN 8% & 18%
₹ 10,22,374
₹ 36,90,650
₹ 1,08,32,754
₹ 2,86,96,936
1. CHOICE OF THE INVESTMENT PRODUCT HAS A DEEP IMPACT ON YOUR FINANCIAL
CONDITION BECAUSE OF GROWTH RATE & COMPOUNDING.
2. SO, BE CAREFUL & THINK AGAIN BEFORE YOU INVEST YOUR HARD EARNED MONEY.
3. INVESTMENT IS THE ONLY WAY IN THE WORLD, WHERE YOU GET THE MONEY
WITHOUT WORKING.
FINANCIAL PLANNING IS IMPORTANT FOR GOAL ACHIEVEMENT ON RIGHT TIME
08
FORTUNE WELL BEING

10. START EARLY :
SEE TABLE TO SEE BENEFIT OF STARTING EARLY
FEATURE
(@15%CAGR)
RAM
SHYAM
INVESTMENT STARTING AGE
25 YEARS
40 YEARS
INVESTMENT-MONTHLY SIP
₹ 5,000
₹ 15,000
SAVING YEARS TILL AGE 60
35 YEARS
20 YEARS
TOTAL INVESTMENT MADE
₹ 21,00,000
₹ 36,00,000
₹ 5.70 Cr
₹ 1.99 Cr
WEALTH CREATION
DELAY COST: EXAMPLE: RAM INVESTED ₹ 5,000 FOR 35 YEARS IN SIP (@15%CAGR)
INVESTMENT
FINAL AMOUNT
LOSS (DELAY COST)
STARTED ON TIME (NO DELAY)
₹ 5,70,74,220
₹0
ONE MONTH DELAY IN STARTING
₹ 5,64,08,342
₹ 6,65,878
SIX MONTHS DELAY IN STARTING
₹ 5,31,92,840
₹ 38,81,380
ONE YEAR DELAY IN STARTING
₹ 4,95,73,434
₹ 75,00,786
09
FORTUNE WELL BEING

11. THE POWER OF COMPOUNDING: (8
ONE TIME INVESTMENT @18%CAGR
TH
1 CRORE PLAN
SIP PER MONTH @18%CAGR
WONDER OF THE WORLD) ₹
INVESTMENT
TIME PERIOD
FINAL AMOUNT
AMOUNT
TIME PERIOD
FINAL AMOUNT
₹ 20,000
37.5 YEARS
₹ 1,00,87,730
₹ 500
35 YEARS
₹ 1,00,99,910
₹ 50,000
32.1 YEARS
₹ 1,01,48,046
₹ 1,000
31 YEARS
₹ 1,12,11,824
₹ 70,000
30 YEARS
₹ 1,00,35,945
₹ 5,000
21 YEARS
₹ 1,00,41,260
₹ 1,00,000
27.9 YEARS
₹ 1,01,27,634
₹ 25,000
11.5 YEARS
₹ 1,04,18,850
₹ 2,00,000
23.7 YEARS
₹ 1,01,07,263
₹ 50,000
9 YEARS
₹ 1,14,51,512
₹ 5,00,000
18.1 YEARS
₹ 1,00,00,791
₹ 1,00,000
6 YEARS
₹ 1,13,30,361
1.
YEARS OF DOUBLING THE INITIAL AMOUNT = 72/RATE OF INTEREST, SO IF RATE OF RETURN IS 18%
THEN DOUBLING TIME IS 72/18 = 4 YEARS.
2.
SO ₹ 1 LAKH WILL BECOME ₹ 2 LAKHS IN 4 YEARS (@ 18 % RATE OF RETURN PER ANNUM), ₹ 4 LAKHS
IN 8 YEARS, ₹ 8 LAKHS IN 12 YEARS, ₹ 16 LAKHS IN 16 YEARS, ₹ 32 LAKHS IN 20 YEARS, ₹ 64 LAKHS IN 24
YEARS , ₹ 1.28 CRORE IN 28 YEARS & ₹2.56 CRORES IN 32 YEARS.
3.
DID YOU KNOW THAT ₹ 1 DOUBLED BY 30 TIMES BECOMES ₹ 100 CRORES.
10
FORTUNE WELL BEING

12. EQUITY: WHAT IS EQUITY?
 Equity is BUYING BUSINESSES or INVESTING IN A BUSINESS.
 Equity is OWNERSHIP OF BUSINESS.
 Equities are nothing but SLAVES OF EARNINGS (Consumption Theory)
 10 yr deposit of the companies offering 8% PA...is it a good investment?
 Geniuses like Aditya Puri, Ratan Tata, Sunil Mittal are managing the
companies.
 They are borrowing at 8% because they are confident of earning 15% pa
over 10 years. (POWER OF EQUITY – To deliver returns above the Inflation)
 Why not partner them in this growth, instead of lending to them.
 If we trust they will repay debt, then why doubt their ability to make profits.
HOW EQUITY DELIVERS RETURNS
INCREASED CONSUMPTION (FMCG, CARS, SHOPPING)  BOOSTING BUSINESS OF RELATED COMPANIES
(PIZZA HUT, MARUTI, BSES, ITC)  COMPANIES MAKE PROFIT  THEIR VALUATION INCREASES OVER
TIME  YOU ALSO EARN IN PROPORTION IF YOU PARTICIPATE IN THEIR BUSINESS (EQUITY/OWNERSHIP)
11
12
FORTUNE WELL BEING

13. HOW EQUITY DELIVERS RETURNS: BASIC CONCEPT
1
2
3
• CONSUMPTION (USE OF PRODUCT & SERVICES BY PUBLIC)
• EXAMPLE: TEA, PIZZA, BRANDED GARMENTS, LAPTOPS, SMARTPHONES, CARS, FUEL ETC .
• PROFIT EARNED BY THE RELATED COMPANIES (ITC, SAMSUNG, HP, MARUTI SUZUKI)
• VALUATION OF COMPANIES INCREASE OVER TIME (INCREASE IN SHARE PRICES)
• MUTUAL FUND SELECTS THE BEST COMPANIES TO INVEST - EQUITY (PORTFOLIO)
• PROFESSIONAL MANAGEMENT BY FUND MANAGER - GENERATE RETURNS FOR US
INCREASE IN CONSUMPTION
PROFIT IN COMPANIES
12
RETURNS IN MUTUAL FUNDS
FORTUNE WELL BEING

14. INDIAN CONSUMERS: COMPARISION WITH WORLD’S POPULATION
INCREASED CONSUMPTION  INCREASED PROFIT OF COMPANIES (ARE YOU PARTICIPATING IN THEIR GROWTH?  EQUITY)
13
FORTUNE WELL BEING

15. INDIAN ECONOMY: GROWTH STORY SO FAR IN LAST 60 YEARS – SUSTAINED GROWTH
SOURCE: MINISTRY OF STATISTICS AND PROGRAMME IMPLEMENTATION, ANNUAL REPORT 2010-2011
GROSS DOMESTIC PRODUCT(GDP) is the market value of all officially recognized final goods
and services produced within a country in a given period of time. Major contributors to GDP
are Agriculture, Industry & Service Sector.
GDP = C(Private Consumption)+I(Gross Investments)+G(Government Spending)+{X(Exports)-M(Imports)}
14
FORTUNE WELL BEING

16. INDIAN ECONOMY DEMOGRAPHICS & RISING AFFORDABILITY
15
FORTUNE WELL BEING

17. WHO ARE THE WEALTHIEST PEOPLE ON EARTH?




William Gates III Jr.
Warren Buffett
Lakshmi Mittal
Sam Walton’s family (owner of Wal Mart Stores)
CLOSER HOME…
 The Ambani’s
 Azim Premji
 The infocians
 Rakesh Jhunjhunwala

YOU ????????
THE SECRET OF THEIR WEALTH……
EQUITY
THEY ARE RICH BECAUSE THEY
UNDERSTOOD THE POWER OF EQUITY
16
FORTUNE WELL BEING

18. BEST WAY TO INVEST IN EQUITY:
MUTUAL FUNDS
 Potentially High Returns
 Professional Management
 Diversification
 Liquidity
MOST TRANSPARENT
 Flexibility
ZERO ENTRY LOAD
 Well Regulated
 Tax Free Returns
17
FORTUNE WELL BEING

19. MUTUAL FUNDS: HOW MUTUAL FUND WORKS?
18
FORTUNE WELL BEING

20. EQUITY- NOT RISKY OVER LONG TERM: SENSEX OBSERVATIONS
Sensex Earnings Chart
NOTE: PROBABILITY OF LOSS IS JUST 4.17% IN 10 YEARS PERIOD & NIL IN PERIOD OF MORE THAN 10 YEARS
19
FORTUNE WELL BEING

21. EQUITY- NOT RISKY OVER LONG TERM: MUTUAL FUNDS OBSERVATIONS
NOTE: PROBABILITY OF LOSS IN EQUITY MUTUAL FUNDS IS NIL IN PERIOD OF MORE THAN 5 YEARS.
20
FORTUNE WELL BEING

22. COST OF SECURITY: COMPARISION OF PPF (NON RISKY) & ELSS (RISKY) IN LAST 17 YEARS
PPF
ELSS (HDFC TAXSAVER- GROWTH)
DATES
INVESTMENT
AMOUNT
INTEREST RATE
FUND VALUE
DATES
INVESTMENT
AMOUNT
NAV
TOTAL
UNITS
FUND VALUE
29-3-1996
₹ 1,00,000
12.00%
₹ 1,00,000
29-3-1996
₹ 1,00,000
10
10,000
₹ 1,00,000
31-3-1997
₹ 1,00,000
12.00%
₹ 2,12,000
31-3-1997
₹ 1,00,000
9.04
21,061.95
₹ 1,90,400
31-3-1998
₹ 1,00,000
12.00%
₹ 3,37,440
31-3-1998
₹ 1,00,000
12.40
29,126.46
₹ 3,61,168
31-3-1999
₹ 1,00,000
12.00%
₹ 4,77,930
31-3-1999
₹ 1,00,000
19.85
34,164.25
₹ 6,78,160
31-3-2000
₹ 1,00,000
11.00%
₹ 6,30,510
31-3-2000
₹ 1,00,000
41.56
36,570.41
₹ 15,19,866
30-3-2001
₹ 1,00,000
9.50%
₹ 7,90,400
30-3-2001
₹ 1,00,000
15.72
80,248.47
₹ 12,61,505
28-3-2002
₹ 1,00,000
9.00%
₹ 9,61,540
28-3-2002
₹ 1,00,000
19.86
85,283.72
₹ 16,93,734
31-3-2003
₹ 1,00,000
8.00%
₹ 11,38,461
31-3-2003
₹ 1,00,000
18.64
90,648.52
₹ 16,89,688
31-3-2004
₹ 1,00,000
8.00%
₹ 13,29,540
31-3-2004
₹ 1,00,000
40.12
93,140.86
₹ 37,37,090
31-3-2005
₹ 1,00,000
8.00%
₹ 15,35,900
31-3-2005
₹ 1,00,000
67.56
94,621.11
₹ 63,92,223
31-3-2006
₹ 1,00,000
8.00%
₹ 17,58,780
31-3-2006
₹ 1,00,000
131.22
95,383.17
₹ 1,25,16,466
30-3-2007
₹ 1,00,000
8.00%
₹ 19,99,480
30-3-2007
₹ 1,00,000
133.88
96,130.10
₹ 1,28,70,090
31-3-2008
₹ 1,00,000
8.00%
₹ 22,59,440
31-3-2008
₹ 1,00,000
152.02
96,787.91
₹ 1,47,13,698
31-3-2009
₹ 1,00,000
8.00%
₹ 25,40,199
31-3-2009
₹ 1,00,000
97.06
97818.17
₹ 94,94,524
31-3-2010
₹ 1,00,000
8.00%
₹ 28,43,410
31-3-2010
₹ 1,00,000
205.68
98,304.36
₹ 2,02,19,143
31-3-2011
₹ 1,00,000
8.00%
₹ 31,70,888
31-3-2011
₹ 1,00,000
232.90
98,733.73
₹ 2,29,95,086
30-3-2012
₹ 1,00,000
8.60%
₹ 35,43,584
30-3-2012
₹ 1,00,000
223.70
99180.76
₹ 2,21,86,735
17- 12-2012
₹ 17,00,000
₹ 37,58,924
17- 12-2012
₹ 17,00,000
239.54
99180.76
₹ 2,37,57,758
21
FORTUNE WELL BEING

23. 223.7
232.9
97.06
67.56
40.12
18.64
19.86
15.72
19.85
9.04
50
12.4
100
41.56
BURST OF IT
BUBBLE
133.88
131.22
150
10
NAV OF HDFC TAXSAVER FUND - GR
200
152.02
GLOBAL
SUBPRIME
250
205.68
NAV OF HDFC TAXSAVER FUND – GROWTH IN LAST 17 YEARS (1997 TO 2013)
237.86
EQUITY- NOT RISKY OVER LONG TERM: NAV OBSERVATIONS OF A MUTUAL FUND
CAGR 20.49 %
IN LAST 17 YEARS
0
TIME PERIOD 1997 TO 2013
NOTE: PROBABILITY OF LOSS IN THIS EQUITY MUTUAL FUND IS NIL IN PERIOD OF MORE THAN 5 YEARS.
22
FORTUNE WELL BEING

24. EXAMPLE OF PROFESSIONAL MANAGEMENT: MUTAL FUNDS
INVESTMENT
14/02/2000
VALUE ON
21/09/2001
VALUE ON
23/11/2004
GROWTH
5,924
2,600
6,009
1.43%
HDFC EQUITY FUND GR
₹ 1,00,000
₹ 51,179
₹ 2,12,360
112%
FRANKLIN BLUECHIP FUND GR
₹ 1,00,000
₹ 66,222
₹ 2,02,540
102%
RELIANCE VISION FUND GR
₹ 1,00,000
₹ 41,240
₹ 2,55,610
155%
HDFC PRUDENCE FUND GR
₹ 1,00,000
₹ 71,651
₹ 2,35,370
135%
TATA PURE EQUITY FUND GR
₹ 1,00,000
₹ 43,927
₹ 1,82,630
82%
FRANKLIN INDIA PRIMA FUND GR
₹ 1,00,000
₹ 45,550
₹ 2,56,670
156%
HDFC TOP 200 FUND GR
₹ 1,00,000
₹ 46,002
₹ 1,69,780
69%
ICICI PRUDENTIAL POWER FUND GR
₹ 1,00,000
₹ 45,433
₹ 2,21,220
121%
RELIANCE GROWTH FUND GR
₹ 1,00,000
₹ 26,818
₹ 2,21,750
121%
YEAR 2000  2001  2004
SENSEX
23
FORTUNE WELL BEING

25. EXAMPLE OF PROFESSIONAL MANAGEMENT: MUTAL FUNDS
INVESTMENT
10/01/2008
VALUE ON
09/03/2009
VALUE ON
10/11/2010
GROWTH
20,582
8,160
20,875
1.42%
RELIANCE BANKING FUND GR
₹ 1,00,000
₹ 41,802
₹ 1,82,622
82.62%
RELIANCE PHARMA FUND GR
₹ 1,00,000
₹ 59,387
₹ 2,06,983
106.98%
BIRLA SUN LIFE MNC FUND GR
₹ 1,00,000
₹ 51,396
₹ 1,49,694
49.69%
UTI TRANSPORTATION & LOGISTICS
₹ 1,00,000
₹ 71,651
₹ 1,71,204
71.20%
SUNDARAM SELECT MIDCAP FUND GR
₹ 1,00,000
₹ 33,982
₹ 1,23,674
23.67%
HDFC EQUITY FUND GR
₹ 1,00,000
₹ 41,466
₹ 1,43,289
43.29%
HDFC TOP 200 FUND
₹ 1,00,000
₹ 47,152
₹ 1,41,858
41.8%
ICICI PRU BANK & FIN SERVICES FUND
₹ 1,00,000
₹ 40,291
₹ 1,47,065
47.07%
RELIANCE GROWTH FUND
₹ 1,00,000
₹ 55,919
₹ 1,66,668
66.67%
YEAR 2008  2009  2010
SENSEX
24
FORTUNE WELL BEING

26. SIP: BEST METHOD OF INVESTING IN EQUITY MUTUAL FUNDS
SIP (Systematic Investment Planning) is a method of investing a fixed amount, at a regular
interval, in a mutual fund.
Advantages of SIP: Encourages Regular Investments, Flexible & Very Convenient, Lower
initial investment without cutting into regular expense, Long term perspective, Rupee Cost
Averaging Benefit to counter volatility as it brings down the average cost of your
Investments, No need to time the market, Meet investment objective with investment
needs, Helps to match the risk / return profile.
EXAMPLE OF SIP: IN ADVERSE CONDITIONS
TIME
JANUARY 2008
FEBRUARY 2009
AUGUST 2009
NOVEMBER 2010
SENSEX
20,000
9,000
15,000
20,000
SIP RETURNS
33.70% CAGR From January 2008 to November 2010
Returns are based on average SIP returns of 150 Mutual Funds equity schemes available in Jan 2008
INVEST IN EQUITY FOR LONG TERM, DON'T TRY TO TIME THE MARKET, BE A REGULAR INVESTOR
**** EQUITY IS FOR LONG TERM ***
25
FORTUNE WELL BEING

27. SIP RETURNS: LAST 5 YEARS




Average Returns of Top 10 Schemes
Average Returns of Top 20 Schemes
Average Returns of Top 30 Schemes
Average Returns of Top 50 Schemes
= 24.99 %
= 22.31%
= 20.61%
= 18.56%
(SIP Return of 198 Diversified Equity Schemes in Percentage as on 31st December, 2012)
SIP RETURNS: LAST 10 YEARS



Average Returns of Top 10 Schemes
Average Returns of Top 20 Schemes
Average Returns of Top 30 Schemes
= 21.63 %
= 20.75%
= 19.98%
(SIP Return of 54 Diversified Equity Schemes in Percentage as on 31 st December, 2012)
SIP RETURNS: LAST 15 YEARS

Average Returns of Top 10 Schemes
= 23.91 %
(SIP Return of 22 Diversified Equity Schemes in Percentage as on 31 st December, 2012)
SIP RETURNS: IN NEXT
5 YEARS ? 10 YEARS? 15 YEARS ?  < = > 18%
26
FORTUNE WELL BEING

28. VALUE OF ₹ 1,00,000 INVESTED 10 YEARS BEFORE (VALUE ON 31
ST
MUTUAL FUND
DEC’2012)
CAGR (%)
CURRENT VALUE
Sundaram Select Midcap - Gr
32.6
₹ 16,80,487
Reliance Growth Fund
32.16
₹ 16,25,550
30
₹ 13,78,585
HDFC Top 200 Fund - Div
29.34
₹ 13,10,173
Franklin India Prima Fund - Gr
27.49
₹ 11,34,387
Tata Pure Equity Fund - Gr
27.29
₹ 11,16,716
DSP BlackRock Opportunities Fund - Gr
26.82
₹ 10,76,162
Kotak 50 Equity Scheme - Div
24.75
₹ 9,12,863
24.95
₹ 9,27,604
19.12
₹ 5,75.237
20
₹ 6,19,174
CNX Midcap
23.57
₹ 8,30,100
NSC 500
19.53
₹ 5,95,346
SBI Magnum Global Fund 94 - Div
Average of Diversified Equity Scheme
SENSEX (BSE 30)
BSE 200
27
FORTUNE WELL BEING

29. GROWTH IN DIFFERENT ASSET CLASSES: VALUE ON 31-12-2012
Growth of ₹ 10,000 in Different Asset Classes Since 1981-1982
₹ 10,00,000
₹ 8,93,170
₹ 9,00,000
₹ 8,00,000
₹ 7,00,000
₹ 6,00,000
₹ 5,00,000
₹ 4,00,000
₹ 3,00,000
₹ 1,51,480
₹ 2,00,000
₹ 1,11,840 ₹ 1,41,460
₹ 66,510
₹ 53,740
₹ 1,00,000
₹0
Inflation
Gold
Silver
Co Deposit Bank Deposit
Sensex
28
FORTUNE WELL BEING

30. ANNUAL PERFORMANCE BY ASSET CLASSES
:LAST 14 YEARS {1999 -- 2012}
S.NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
CALANDER YEAR
GOLD (%)
PROPERTY (%)
EQUITY (%)
BANK FD (%)
1999
2
-3
95
10
2000
1
0
-21
9
2001
5
3
-22
9
2002
23
6
9
8
2003
13
9
87
6
2004
1
16
19
5
2005
9
29
41
6
2006
21
31
43
6
2007
16
49
61
8
2008
26
16
-54
8
2009
24
-11
86
10
2010
23
15
17
6
2011
32
7
-25
9
2012
12
10
31
9
Average
14.86
12.64
26.21
7.79
Value of ₹ 10,00,000 invested
₹ 69,56,061
₹ 52,73,239 ₹ 2,60,20,326 ₹ 28,58,239
(Value in 2012 if invested in 1999)
Source : Bloomberg, BSE, Company Data, HDFC Ltd, Morgan Stanley Research
29
FORTUNE WELL BEING

31. PROPERTY VS EQUITY MUTUAL FUNDS
PROPERTY
EQUITY MUTUAL FUNDS
HUGE AMOUNT IS REQUIRED
HUGE AMOUNT IS NOT REQUIRED
HIGH TRANSACTION COST (12-15%)
NO TRANSACTION COST
HASSELS IN TRANSACTION
NO HASSELS IN TRANSACTION
NO LIQUIDITY & RESTRICTED FLEXIBILITY
FULL LIQUIDITY & HIGHLY FLEXIBLE
SECTOR IS NOT REGULATED
WELL REGULATED BY SEBI(GOVT.)
RISK OF FRAUD
NO SUCH RISK
BLACK MONEY MAY BE INVOLVED
BLACK MONEY IS NEVER INVOLVED
RETURNS ARE TAXABLE (LTCG: 20%)
RETURNS ARE TAX FREE (LTCG: 0% AFTER 1 YEAR)
PERFORMANCE IN LAST 14 YEARS – 12.64%
PERFORMANCE IN LAST 14 YEARS – 26.21%
 ₹ 10,00,000 TO ₹ 52,73,239 IN LAST 14 YEARS
 ₹ 10,00,000 TO ₹ 2,60,20,326 IN LAST 14 YEARS
30
FORTUNE WELL BEING

32. DIRECT SHARE TRADING VS EQUITY MUTUAL FUNDS
DIRECT SHARE TRADING
EQUITY MUTUAL FUNDS
HIGH INVESTMENT AMOUNT NEEDED
LOW INVESTMENT AMOUNT IS NEEDED
LACK OF EXPERTISE (INVESTOR)
PROFESSIONAL EXPERTISE (FUND MANAGER)
INADEQUATE INFORMATION ON TIME
HIGH QUALITY & TIMELY INFORMATION
LOW DIVERSIFICATION
HIGH DIVERSIFICATION
HIGH RISK
LOW RISK
LOW FLEXIBILITY
HIGH FLEXIBILITY
HIGH TRANSACTION COSTS
LOW TRANSACTION COSTS (EXIT LOAD)
LOW TRANSPARENCY FROM BROKER
HIGHLY TRANSPARENT (FUND HOUSE)
LACK OF MANAGEMENT BY INVESTOR
FULL TIME FUND MANAGEMENT TEAM
INVESTOR ENGAGEMENT IS REQUIRED
INVESTOR ENGAGEMENT IS NOT REQUIRED
31
FORTUNE WELL BEING

33. MUTUAL FUNDS:
LIQUID MONEY MANAGEMENT
SAVING BANK ACCOUNT
LIQUID MUTUAL FUNDS
RETURNS – 4% ANNUAL
RETURNS – 8% ANNUAL (APROXX, 7% TO 9%)
INTREST CREDITED QTLY OR HALF YEARLY
INTREST IS CREDITED DAILY
TDS DEDUCTED IF INTREST > ₹ 10,000 PA
TDS IS NOT DEDUCTED (NO ENRTY/EXIT LOAD)
ATM CUM DEBIT CARD FACILITY - YES
YES & MORE FLEXIBLE (IN SELECTED SCHEMES)
₹ 1,00,000 WILL GIVE YOU ₹ 21,665 IN 5 YEARS
₹ 1,00,000 WILL GIVE YOU ₹ 47,000 IN 5 YEARS
1. THIS IS THE RIGHT INSTRUMENT TO PARK YOUR LIQUID MONEY
2. VERY EASY TO OPERATE, ONLINE TRANSACTION FACILITY AVAILABLE
3. FIXED DEPOSITS LIKE PRODUCTS ARE ALSO AVAILABLE IN MUTUAL FUNDS WITH BETTER
RETURNS THAN BANK FIXED DEPOSITS.
4. FORTUNE WELL BEING WILL FURTHER HELP YOU ON THESE PRODUCTS
32
FORTUNE WELL BEING

34. HEALTH INSURANCE: YOU MUST HAVE ADEQUATE & RIGHT HEALTH INSURANCE POLICY
HEALTH INSURANCE IS A TYPE OF INSURANCE THAT COVERS YOUR MEDICAL EXPENSES
HEALTHCARE IS INCREASINGLY EXPENSIVE, WITH TECHNOLOGICAL ADVANCES
HEALTH INSURANCE PROTECTS US FROM SUDDEN, UNEXPECTED COSTS OF HOSPITALIZATION
SUM ASSURED OF ₹ 25,00,000 IS AVAILABLE IN JUST ₹ 12,000 TO ₹ 15,000 ONLY (AGE DEPENDENT)
CONVENIENT CASHLESS CLAIM BENEFITS & CAN BE USED MULTIPLE TIMES UPTO SUM ASSURED
THERE ARE MANY LOOPHOLES & TECHNICAL ISSUES IN BUYING A HEALTH INSURANCE POLICY
THERE ARE MANY ISSUES RELATED TO CLAIM SETTELMENT, WITH NETWORK HOSPITALS ETC.
FORTUNE WELL BEING WILL HELP YOU TO BUY THE BEST HEALTH INSURANCE POLICY
33
FORTUNE WELL BEING

35. LIFE INSURANCE: YOU MUST HAVE ADEQUATE & RIGHT TERMLIFE INSURANCE POLICY
LIFE INSURANCE IS A TYPE OF INSURANCE THAT COVERS THE RISK OF LIFE
ADEQUATE LIFE INSURANCE IS MUST FOR YOUR LOVEDONES/DEPENDENTS IN YOUR ABSENCE
PROTECTS YOUR LOVEDONES FROM SUDDEN FINANCIAL CRISIS IN UNEXPECTED MISHAPPENING
OTHERWISE THERE MAY BE MAJOR FINANCIAL CRISIS OR EVEN MAY LEAD TO INDEBTEDNESS
TERM INSURANCE POLICIES OF ₹ 1 CRORE SUM ASSURED ARE AVAILABLE IN JUST ₹ 8,000 ANNUAL
THERE ARE MANY LOOPHOLES & TECHNICAL ISSUES IN BUYING A LIFE INSURANCE POLICY
THERE ARE MANY ISSUES IN CLAIM SETTELMENT, VARIES WITH COMPANY TO COMPANY, ETC.
FORTUNE WELL BEING WILL HELP YOU TO BUY THE BEST LIFE INSURANCE POLICY .
34
FORTUNE WELL BEING

36. FINANCIAL PLANNING BY FORTUNE WELL BEING: INTRODUCTRY OFFER
1
• DOING YOUR FINANCIAL HEALTH CHECKUP INCLUDING YOUR INCOME AND YOUR
EXPENDITURE, INVESTMENTS, ASSETS, LOANS, LIABILITIES ETC.
• ANALYSIS OF YOUR CURRENT FINANCIAL SITUATION & FINANCIAL RESOURCES
2
• HELPING YOU IN DEVELOPING YOUR FINANCIAL GOALS & SCANNING YOUR RISK TO KNOW YOUR
RISK PROFILE
• PREPARING YOUR PERSONAL FINANCIAL PLAN {WORTH ₹ 50,000 OR MORE}
3
• RECOMMENDING YOU THE BEST FINANCIAL TOOLS AVAILABLE FOR INVESTMENTS, PROTECTION
NEEDS & OTHER STRATEGIES. {VERY IMPORTANT FOR PROTECTION OF YOUR HARD EARNED MONEY, WORTH …....???}
• FULL IMPLEMENTATION SUPPORT (MANUAL, ONLINE AND CALL & TRANSACTION OPTIONS)
4
• ONLINE TRANSACTION ACCOUNT LINKED TO YOUR BANK ACCOUNT WITH ZERO BROKERAGE IN
ALL MUTUAL FUND TRANSACTIONS (WORTH ₹ 1,00,000 OR MORE IN 25 YEARS)(MAINTAINANCE FEE OF JUST ₹ 300 PA)
• PAPER FREE ACCOUNT FOR SIP, PURCHASE, REDEMPTION, STP, SWP IN MF, SHARES, ETF ETC.
FINANCIAL PLANNING IS IMPORTANT FOR GOAL ACHIEVEMENT ON RIGHT TIME
35
FORTUNE WELL BEING

37. FINANCIAL PLANNING BY FORTUNE WELL BEING: INTRODUCTRY OFFER
5
• PERSONAL WEALTH ACCOUNT FOR TRACKING OF YOUR INVESTMENTS {WORTH ₹ 50,000 OR MORE}
• DETAILED TRACKING OF YOUR INVESTMENTS LIKE AMOUNT INVESTED, TRANSACTION
HISTORY, CURRENT STATUS, DETAILED PROFIT & LOSS CALCULATION, CAGR, COMPARISION WITH
BENCHMARKS, DETAILED REPORTING OF PORTFOLIO, INFLATION ETC & PDF & EXCEL EXPORT.
6
• PERIODICAL ASSESSMENT OF YOUR INVESTMENTS & PORTFOLIO WITHOUT ANNUAL AUM
MAINTAINANCE CHARGES {WORTH ₹ 5,O0,000 OR MORE} & TAX PLANNING.
• SUGGESTING YOU THE REQUIRED CHANGES IN YOUR PORTFOLIO PERIODICALLY (IF NEEDED)
7
• FORTUNE WELL BEING FINANCIAL EDUCATION SYSTEM. (WORTH……..??? INVALUABLE)
• BASIC CONCEPTS OF FINANCIAL PLANNING & MANAGEMENT, STUDY MATERIAL, FINANCIAL
EDUCATION SEMINARS , RECENT UPDATES & MUCH MORE. – CONTINUOUS PROCESS.
FINANCIAL PLANNING IS IMPORTANT FOR GOAL ACHIEVEMENT ON RIGHT TIME
OUR FEE: JUST ₹ 10,000 (+SERVICE TAX @ 12.30%)
ONE TIME FEE, NO RENEWALS – INTRODUCTRY OFFER
NOTE: THIS FEE MAY BE INCRESED OR RENEWALS MAY BE APPLIED OR BOTH IN FUTURE
36
FORTUNE WELL BEING

38. BENEFITS OF FINANCIAL PLANNING BY FORTUNE WELL BEING:
ALL FINANCIAL TOOLS AVAILABE UNDER ONE ROOF
UNBIASED & TRANSPARENT ADVICE (VERY IMPORTANT FOR YOUR FINANCIAL HEALTH)
PREMIUM SERVICES AVAILABLE AT A VERY LOW COST – PAPER FREE TRANSACTIONS
BETTER TAX PLANNING, BETTER RISK PLANNING (LIFE & HEALTH RISK COVERS)
FREE FINANCIAL EDUCATION SYSTEM – CFE (CONTINUOUS FINANCIAL EDUCATION)
COST EFFECTIVE & BEST ASSISTANCE FOR YOUR GOAL ACHIEVEMENT
PLATFORM FOR UNDERSTANDING THE ART OF FINANCIAL MANAGEMENT
37
FORTUNE WELL BEING

39. PROCESS OF FINANCIAL PLANNING BY FORTUNE WELL BEING:
 Pay the amount of ₹ 10,000 by Cheque/Demand Draft/NEFT Transfer, as the overhead
expenses for the entire process. Cheque/Demand Draft in favour of “Fortune Well Being”
 Fill up the Financial Planning Application Form Carefully (Manual or Online)
 Fill up the FWB Referral System Form, Paste your Photo & sign on both side of form. (OPTIONAL)
 Provide Your Details & Documents for Online Transaction Account
1. PAN Card – Self Attested Copy
2. Address Proof – Self Attested Copy
3. Cancelled Cheque with Name Print (else with passbook)
 Check your Mobile Inbox & Email for welcome message & FWB Referral Code.
 Kindly go through the attachments of welcome mail for better understanding.
 You will receive the soft copy of duly filled Online Transaction Form on your registered email
address.
38
FORTUNE WELL BEING

40. PROCESS OF FINANCIAL PLANNING BY FORTUNE WELL BEING:
 Take print on both sides of paper, sign as per list, past photo, cross sign, attach necessary
documents & submit to your sponsor or Fortune Well Being Office as soon as possible.
 Once your Financial Plan & Accounts (Wealth Account & Transaction Account) are ready, we’ll
call you for the initial first meeting with us (approximately after one month of association).
 This first meeting (must) will include discussion of your Financial Plan, Wealth Account &
Transaction Account and Implementation & Operational Procedures.
 Contact us for next meetings, once in six months, for revision in your portfolio (mandatory).
 Stay in touch with your sponsor for latest updates, attend all CFE (Continuous Financial
Education) like Financial Education Seminars for financial education, read email
communications, attend all important meetings etc.
 Feel free to contact us or your sponsor for any support.
39
FORTUNE WELL BEING

41. SUMMARY OF DISCUSSION
 Financial Planning & its Importance
 Inflation & its Effect in Financial Planning
 Financial Tools & Comparison
 Power of Compounding & ₹ 1 Crore Plan
 Equity (Not Risky in Long Term) & other Asset Classes
 Mutual Funds & Systematic Investment Plan (SIP)
 Health Insurance, Life Insurance & their Importance
 Personal Financial Planning Package by Fortune Well Being
 Benefits of Financial Planning by Fortune Well Being
 Process of Financial Planning by Fortune Well Being
40
FORTUNE WELL BEING

42. “IF YOU ARE BORN POOR, ITS NOT YOUR MISTAKE. BUT, IF YOU DIE POOR, IT'S YOUR
MISTAKE.” - BILL GATES
THANK YOU
“I THINK SOUND INVESTING CAN MAKE YOU VERY WEALTHY IF YOU’RE NOT IN TOO BIG
OF A HURRY. AND IT NEVER MAKES YOU POOR, WHICH IS BETTER.” - WARREN BUFFET
FORTUNE WELL BEING