Like various mentors, a financial advisor provides valuable guidance in several ways:
1) They give professional advice tailored to your needs and help set measurable financial goals.
2) They help you understand different financial instruments and identify suitable products for your needs.
3) They monitor your investments and advise correcting your course when needed to stay on track for your goals.
10 reasons why you need a financial advisor for investment successSadique Neelgund
This document discusses 10 reasons why an investor needs a financial advisor for investment success. It uses everyday examples to illustrate how a financial advisor can help guide investors in the same way that a coach, mentor, teacher, friend or family doctor provides guidance. A financial advisor can help set goals and strategies, educate on different financial instruments, ensure decisions align with goals, and periodically review plans to account for changes - all with the investor's interests in mind. The overall message is that just as other professionals provide expertise, a financial advisor can help investors make well-informed financial decisions and achieve their objectives.
12 rules to invest wisely investor education booklet Ashish Sahu
The document provides 12 rules for investing wisely. It summarizes each rule with a short phrase and provides illustrations to explain each rule in simple terms. The rules cover topics like starting early, regular investing, diversification, inflation and taxes, asset allocation changes over time, and avoiding complex products. The document emphasizes the importance of discipline, patience and financial planning at different life stages for successful long-term investing.
Things you can do, apart from the obvious lifestyle changes that will help you take better care of your finances.
Visit http:/blog.guarented.com for more useful content.
Principles of Finance & Budgeting - Final ExamStacey Troup
The document discusses the pros and cons of personal budgeting. It examines the different aspects of developing and sticking to a budget, including estimating expenses, setting savings goals, and breaking down variable cost categories. The author reflects on learning about future value of money concepts and plans to incorporate alternative investments into their own budget to better secure their retirement. While sticking to a strict budget can be challenging due to impulse spending, proper planning and curbing spending habits are important for future financial success and security.
Investment planning in one's early 30s is important as goals like buying a house, retirement planning, and children's education will start to become priorities. The key steps involve identifying financial goals, learning about investment options and risk appetite, creating an investment plan, and allocating assets accordingly. By the 30s, income is more stable but risk tolerance may decrease as responsibilities increase. Investing regularly in instruments like the National Pension System, Public Provident Fund, government bonds, equity shares, and fixed deposits while increasing contributions over time can help achieve multiple long-term goals.
MPs grant MAS 'stay of execution' but say service is 'not fit for purpose' http://www.fundweb.co.uk/2003860.article?cmpid=fwnews_59206
In other news: In order to improve public understanding of public finance The Open University Business School, in co-operation with True Potential, is producing three interactive, freely accessible, self-teaching modules. These modules will help you develop financial management skills and gain an understanding of the financial services industry, the first of which will be available in Spring 2014. http://www.open.ac.uk/business-school-research/pufin/course-modules
True potential Art of Investing as found on the OU website http://www.open.ac.uk/business-school-research/pufin/course-modules
Brother and Sister Hopeful are struggling financially and in debt. The author provides principles to help them get out of debt and achieve financial independence. These include creating a family budget and financial goals, paying off debts, avoiding interest payments, keeping good financial records, and investing savings in low-risk assets once debts are paid off. The Hopefuls are advised to cut spending, pay down high-interest credit cards, and educate themselves on personal finance basics.
10 reasons why you need a financial advisor for investment successSadique Neelgund
This document discusses 10 reasons why an investor needs a financial advisor for investment success. It uses everyday examples to illustrate how a financial advisor can help guide investors in the same way that a coach, mentor, teacher, friend or family doctor provides guidance. A financial advisor can help set goals and strategies, educate on different financial instruments, ensure decisions align with goals, and periodically review plans to account for changes - all with the investor's interests in mind. The overall message is that just as other professionals provide expertise, a financial advisor can help investors make well-informed financial decisions and achieve their objectives.
12 rules to invest wisely investor education booklet Ashish Sahu
The document provides 12 rules for investing wisely. It summarizes each rule with a short phrase and provides illustrations to explain each rule in simple terms. The rules cover topics like starting early, regular investing, diversification, inflation and taxes, asset allocation changes over time, and avoiding complex products. The document emphasizes the importance of discipline, patience and financial planning at different life stages for successful long-term investing.
Things you can do, apart from the obvious lifestyle changes that will help you take better care of your finances.
Visit http:/blog.guarented.com for more useful content.
Principles of Finance & Budgeting - Final ExamStacey Troup
The document discusses the pros and cons of personal budgeting. It examines the different aspects of developing and sticking to a budget, including estimating expenses, setting savings goals, and breaking down variable cost categories. The author reflects on learning about future value of money concepts and plans to incorporate alternative investments into their own budget to better secure their retirement. While sticking to a strict budget can be challenging due to impulse spending, proper planning and curbing spending habits are important for future financial success and security.
Investment planning in one's early 30s is important as goals like buying a house, retirement planning, and children's education will start to become priorities. The key steps involve identifying financial goals, learning about investment options and risk appetite, creating an investment plan, and allocating assets accordingly. By the 30s, income is more stable but risk tolerance may decrease as responsibilities increase. Investing regularly in instruments like the National Pension System, Public Provident Fund, government bonds, equity shares, and fixed deposits while increasing contributions over time can help achieve multiple long-term goals.
MPs grant MAS 'stay of execution' but say service is 'not fit for purpose' http://www.fundweb.co.uk/2003860.article?cmpid=fwnews_59206
In other news: In order to improve public understanding of public finance The Open University Business School, in co-operation with True Potential, is producing three interactive, freely accessible, self-teaching modules. These modules will help you develop financial management skills and gain an understanding of the financial services industry, the first of which will be available in Spring 2014. http://www.open.ac.uk/business-school-research/pufin/course-modules
True potential Art of Investing as found on the OU website http://www.open.ac.uk/business-school-research/pufin/course-modules
Brother and Sister Hopeful are struggling financially and in debt. The author provides principles to help them get out of debt and achieve financial independence. These include creating a family budget and financial goals, paying off debts, avoiding interest payments, keeping good financial records, and investing savings in low-risk assets once debts are paid off. The Hopefuls are advised to cut spending, pay down high-interest credit cards, and educate themselves on personal finance basics.
This document provides information and advice to students about developing financial capability and managing money, including budgeting, using credit cards responsibly, finding financial advice and support, and practical tips. The key goals are to help students understand basic financial management, take control of their finances, and provide hints for budgeting and managing money. Students are encouraged to open a student bank account, use cash machines without fees, regularly check statements, and report any fraud immediately. The golden rule for credit cards is to pay the full balance each month to avoid interest charges. Budgeting involves tracking income, expenses, and occasional costs to understand finances and cut unnecessary spending. Records of financial documents should be kept for tax purposes and to check for errors. The document
This document provides guidance on creating a personal financial plan. It discusses why financial planning is important, how to get started with the planning process, and how to choose a financial planner. Specifically, a financial plan can help organize your finances, set goals, and make better financial decisions. The process involves gathering information, setting goals, developing recommendations, and monitoring progress. When choosing a planner, the document recommends selecting a CFP professional who is held to high standards of education, experience, ethics and fiduciary responsibility.
This document provides guidance on creating a personal financial plan. It discusses why financial planning is important, how to get started with the process, and how to choose a financial planner. Specifically, creating a financial plan helps set goals, make smart financial decisions, and feel secure about your long-term finances. The process of financial planning involves gathering your financial information, setting goals, developing recommendations, and monitoring your progress. When choosing a financial planner, it is best to select one with CFP certification who is held to high ethical standards and can consider all aspects of your unique financial situation.
This document provides an overview of personal financial planning and how to get started. It discusses why financial planning is important, the benefits it provides, and the basic steps involved. It emphasizes the value of working with a Certified Financial Planner (CFP) who is held to high standards of education, experience and ethics. The document provides tips for choosing a financial planner, what to expect from the financial planning process, and questions to ask potential planners.
Unit 1- Part c - The Ins and Outs of Budgetingcelsesser
This document discusses various factors that can impact a budget, including limited resources, one-time annual expenses, needs vs wants, opportunity cost, income vs fixed and variable expenses. It emphasizes the importance of prioritizing needs, practicing restraint, and constantly evaluating your budget to avoid deficits. An emergency fund is also highlighted as important to have savings for unexpected expenses rather than relying on credit.
The document provides information on money management and budgeting. It defines key terms like needs versus wants, assets and liabilities for calculating net worth. It explains that a budget is a plan for spending, saving and tracking expenses. The document outlines steps for creating a budget like tracking spending, figuring out income and expenses, paying yourself first and building an emergency fund. It also gives tips for cutting expenses and increasing income.
The document discusses creating an income and expense statement and cashflow statement to assess financial position over time. It explains that an income statement shows income and expenditures over a period, while a cashflow statement only includes actual cash inflows and outflows. The key steps are to list all sources of income, expenditures, and determine the surplus or deficit. Creating these statements makes it easy to see where money is being spent and how earnings and expenses impact net worth over time.
Financial Literacy Seminar for Secondary School StudentsLaja Shoniran
This document discusses the importance of financial literacy and savings. It begins by defining key concepts like money, savings, and investment. It then explains why saving is important, such as for emergencies, retirement, and opportunities. The document addresses common misconceptions about savings and outlines benefits like peace of mind, safety nets, and earning interest. Finally, it provides tips for saving regularly through deductions, reducing expenses, and consumption. The overall message is that financial literacy and savings are vital for security and achieving life goals.
The document outlines 11 steps for financial discipline: 1) Spend less than you earn through small cuts, 2) Create and stick to a budget to track spending and savings goals, 3) Contribute to a retirement plan for a relaxed old age, 4) Save 5-10% of salary each month by eliminating discretionary spending, 5) Do not finance purchases for longer than the item's useful life, 6) Consider buying used items to save money, 7) Diversify investments across different areas, 8) Invest wisely and avoid schemes promising high returns with little risk, 9) Teach children the value and proper use of money, 10) Start saving now for children's education to prevent future stress, and 11
Make Your Money Work Harder Than You Do Module 2 Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
The document contains terms and conditions for a book on savings. It notes that while efforts were made to verify the accuracy of the information, no guarantees are made. It encourages readers to seek professional advice for legal, business or financial matters. It also contains a table of contents that outlines the chapters of the book which provide basic savings information, reasons to save more, financial tips, making resolutions real, and more.
The inflation bug as we learnt in our earlier learning ppt, "Are you Saving or Are you Investing", eats into our hard earned savings. So the value of our money reduces. Here in this learning session let’s learn more about “Time Value of Money”, which can help you manage your finances better.
An Investor Education & Awareness Initiative By Franklin Templeton Mutual Fund
Goal setting for a better financial future.Conrad Francis
Goal setting is an important principle when it comes to financial matters - but how do you know what goals to set, let alone where to start...so here's a few tips!
This document provides information on different education savings and investment plans from Old Mutual Invest and Max Investments (SmartMAX). It summarizes the key features of two plans from each - the Old Mutual Invest Tax Free Plan and Flexible Plan, and the SmartMAX Focussed Plan and Flexible Plan. It also briefly introduces a third SmartMAX Flexible Plan (Xtra) and encourages readers to speak to an advisor or visit the company websites for more details on choosing the most appropriate plan.
This document contains terms and conditions for a book about savings. It discusses maintaining accuracy in the content while not guaranteeing income. It encourages seeking professional advice and outlines the table of contents which includes chapters on savings basics, reasons to save more, financial tips, making resolutions, group savings, taking small steps, and savings vs pensions. The document provides legal disclaimers and permissions for reading.
This document provides advice on important financial and investment decisions that should be made before age 35. It recommends purchasing term life insurance for optimal coverage at a low premium. It also suggests buying health insurance while young for lower premiums. Creating an emergency fund of 7-8 months' expenses is advised. The document recommends starting a systematic investment plan (SIP) in mutual funds to benefit from compounding over a long period. It also suggests leveraging to purchase an appreciating asset like a home for tax benefits and future rental income. The final section provides tips for teaching children about financial literacy from a young age.
This document provides information and guidance for fundraising and budgeting for volunteer projects at the University of the Arts London Students' Union. It outlines that the Students' Union provides some baseline funding but volunteers will need to fundraise to cover additional project costs. It then discusses various fundraising methods like grants, corporate sponsorship, and events. The document emphasizes the importance of planning, including creating a timeline, budget, and contingency plan. It also provides tips for budgeting and cost control.
Citi's Linda Descano and consumer advocate Elisabeth Leamy share advice for getting your personal finances in order.
Connect: Professional Women’s Network is online community with more than 440,000 members that discusses issues relevant to women and their success. The free LinkedIn group powered by Citi also features videos interviews with influential businesswomen, live Q&As with experts and slideshows with career advice. To learn more and join the conversation in the largest women's group on LinkedIn, visit http://www.linkedin.com/womenconnect.
The document discusses the importance of financial planning and goal setting. It recommends opening separate accounts for different financial goals. It then provides a 4 step process for financial planning: 1) track expenses and income, 2) choose a financial goal and allocate savings, 3) periodically reevaluate goals and finances, 4) eventually realize the financial goal through compound growth and savings over time. The overall message is that clear goals and a long term savings plan can help people afford life goals like retirement, education, travel, and businesses.
This document summarizes a presentation on financial fitness. It discusses calculating expenses and income to determine a net worth. It recommends dividing savings into categories like regular savings, education savings, and investment savings. The presentation provides tricks for saving money like spending less than earned and looking for discounts. It advises investing savings rather than just storing money. Overall, the key to financial fitness is properly managing expenses, increasing income when possible, and appropriately allocating funds to savings categories.
This document provides information and advice to students about developing financial capability and managing money, including budgeting, using credit cards responsibly, finding financial advice and support, and practical tips. The key goals are to help students understand basic financial management, take control of their finances, and provide hints for budgeting and managing money. Students are encouraged to open a student bank account, use cash machines without fees, regularly check statements, and report any fraud immediately. The golden rule for credit cards is to pay the full balance each month to avoid interest charges. Budgeting involves tracking income, expenses, and occasional costs to understand finances and cut unnecessary spending. Records of financial documents should be kept for tax purposes and to check for errors. The document
This document provides guidance on creating a personal financial plan. It discusses why financial planning is important, how to get started with the planning process, and how to choose a financial planner. Specifically, a financial plan can help organize your finances, set goals, and make better financial decisions. The process involves gathering information, setting goals, developing recommendations, and monitoring progress. When choosing a planner, the document recommends selecting a CFP professional who is held to high standards of education, experience, ethics and fiduciary responsibility.
This document provides guidance on creating a personal financial plan. It discusses why financial planning is important, how to get started with the process, and how to choose a financial planner. Specifically, creating a financial plan helps set goals, make smart financial decisions, and feel secure about your long-term finances. The process of financial planning involves gathering your financial information, setting goals, developing recommendations, and monitoring your progress. When choosing a financial planner, it is best to select one with CFP certification who is held to high ethical standards and can consider all aspects of your unique financial situation.
This document provides an overview of personal financial planning and how to get started. It discusses why financial planning is important, the benefits it provides, and the basic steps involved. It emphasizes the value of working with a Certified Financial Planner (CFP) who is held to high standards of education, experience and ethics. The document provides tips for choosing a financial planner, what to expect from the financial planning process, and questions to ask potential planners.
Unit 1- Part c - The Ins and Outs of Budgetingcelsesser
This document discusses various factors that can impact a budget, including limited resources, one-time annual expenses, needs vs wants, opportunity cost, income vs fixed and variable expenses. It emphasizes the importance of prioritizing needs, practicing restraint, and constantly evaluating your budget to avoid deficits. An emergency fund is also highlighted as important to have savings for unexpected expenses rather than relying on credit.
The document provides information on money management and budgeting. It defines key terms like needs versus wants, assets and liabilities for calculating net worth. It explains that a budget is a plan for spending, saving and tracking expenses. The document outlines steps for creating a budget like tracking spending, figuring out income and expenses, paying yourself first and building an emergency fund. It also gives tips for cutting expenses and increasing income.
The document discusses creating an income and expense statement and cashflow statement to assess financial position over time. It explains that an income statement shows income and expenditures over a period, while a cashflow statement only includes actual cash inflows and outflows. The key steps are to list all sources of income, expenditures, and determine the surplus or deficit. Creating these statements makes it easy to see where money is being spent and how earnings and expenses impact net worth over time.
Financial Literacy Seminar for Secondary School StudentsLaja Shoniran
This document discusses the importance of financial literacy and savings. It begins by defining key concepts like money, savings, and investment. It then explains why saving is important, such as for emergencies, retirement, and opportunities. The document addresses common misconceptions about savings and outlines benefits like peace of mind, safety nets, and earning interest. Finally, it provides tips for saving regularly through deductions, reducing expenses, and consumption. The overall message is that financial literacy and savings are vital for security and achieving life goals.
The document outlines 11 steps for financial discipline: 1) Spend less than you earn through small cuts, 2) Create and stick to a budget to track spending and savings goals, 3) Contribute to a retirement plan for a relaxed old age, 4) Save 5-10% of salary each month by eliminating discretionary spending, 5) Do not finance purchases for longer than the item's useful life, 6) Consider buying used items to save money, 7) Diversify investments across different areas, 8) Invest wisely and avoid schemes promising high returns with little risk, 9) Teach children the value and proper use of money, 10) Start saving now for children's education to prevent future stress, and 11
Make Your Money Work Harder Than You Do Module 2 Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
The document contains terms and conditions for a book on savings. It notes that while efforts were made to verify the accuracy of the information, no guarantees are made. It encourages readers to seek professional advice for legal, business or financial matters. It also contains a table of contents that outlines the chapters of the book which provide basic savings information, reasons to save more, financial tips, making resolutions real, and more.
The inflation bug as we learnt in our earlier learning ppt, "Are you Saving or Are you Investing", eats into our hard earned savings. So the value of our money reduces. Here in this learning session let’s learn more about “Time Value of Money”, which can help you manage your finances better.
An Investor Education & Awareness Initiative By Franklin Templeton Mutual Fund
Goal setting for a better financial future.Conrad Francis
Goal setting is an important principle when it comes to financial matters - but how do you know what goals to set, let alone where to start...so here's a few tips!
This document provides information on different education savings and investment plans from Old Mutual Invest and Max Investments (SmartMAX). It summarizes the key features of two plans from each - the Old Mutual Invest Tax Free Plan and Flexible Plan, and the SmartMAX Focussed Plan and Flexible Plan. It also briefly introduces a third SmartMAX Flexible Plan (Xtra) and encourages readers to speak to an advisor or visit the company websites for more details on choosing the most appropriate plan.
This document contains terms and conditions for a book about savings. It discusses maintaining accuracy in the content while not guaranteeing income. It encourages seeking professional advice and outlines the table of contents which includes chapters on savings basics, reasons to save more, financial tips, making resolutions, group savings, taking small steps, and savings vs pensions. The document provides legal disclaimers and permissions for reading.
This document provides advice on important financial and investment decisions that should be made before age 35. It recommends purchasing term life insurance for optimal coverage at a low premium. It also suggests buying health insurance while young for lower premiums. Creating an emergency fund of 7-8 months' expenses is advised. The document recommends starting a systematic investment plan (SIP) in mutual funds to benefit from compounding over a long period. It also suggests leveraging to purchase an appreciating asset like a home for tax benefits and future rental income. The final section provides tips for teaching children about financial literacy from a young age.
This document provides information and guidance for fundraising and budgeting for volunteer projects at the University of the Arts London Students' Union. It outlines that the Students' Union provides some baseline funding but volunteers will need to fundraise to cover additional project costs. It then discusses various fundraising methods like grants, corporate sponsorship, and events. The document emphasizes the importance of planning, including creating a timeline, budget, and contingency plan. It also provides tips for budgeting and cost control.
Citi's Linda Descano and consumer advocate Elisabeth Leamy share advice for getting your personal finances in order.
Connect: Professional Women’s Network is online community with more than 440,000 members that discusses issues relevant to women and their success. The free LinkedIn group powered by Citi also features videos interviews with influential businesswomen, live Q&As with experts and slideshows with career advice. To learn more and join the conversation in the largest women's group on LinkedIn, visit http://www.linkedin.com/womenconnect.
The document discusses the importance of financial planning and goal setting. It recommends opening separate accounts for different financial goals. It then provides a 4 step process for financial planning: 1) track expenses and income, 2) choose a financial goal and allocate savings, 3) periodically reevaluate goals and finances, 4) eventually realize the financial goal through compound growth and savings over time. The overall message is that clear goals and a long term savings plan can help people afford life goals like retirement, education, travel, and businesses.
This document summarizes a presentation on financial fitness. It discusses calculating expenses and income to determine a net worth. It recommends dividing savings into categories like regular savings, education savings, and investment savings. The presentation provides tricks for saving money like spending less than earned and looking for discounts. It advises investing savings rather than just storing money. Overall, the key to financial fitness is properly managing expenses, increasing income when possible, and appropriately allocating funds to savings categories.
The document summarizes the credit appraisal process at Kotak Mahindra Bank Ltd. It discusses collecting financial and background information on borrowers, checking for any negative history, analyzing the industry and competitors, evaluating financial projections and security, conducting site visits and reference checks, assessing credit limits, and ongoing credit monitoring and reviews. The goal is to thoroughly evaluate borrowers' creditworthiness, structure facilities appropriately, and safeguard against risks of default.
ELSS (Equity Linked Savings Scheme) is a mutual fund product that allows tax savings under section 80C while investing in equities. It has a lock-in period of just 3 years. ELSS provides higher potential returns compared to other tax saving instruments like PPF and offers tax benefits like tax-free dividends and no long-term capital gains tax. Investing in ELSS up to Rs. 1 lakh can help save up to Rs. 33,660 in taxes annually. Equities have consistently outperformed other asset classes like bank deposits, gold, and inflation in India over the long run. India offers a growth opportunity with its strong economic growth and growing corporate profitability. ELSS provides investors access to
ELSS, an acronym for Equity Linked Savings Scheme, which is a Tax Saving Mutual Fund Scheme. ELSS mutual funds in simple term are mutual fund schemes maintaining a minimum of 65% of their investments in equity.
The Wealth Creation Study is one of the most anticipated annual events where Mr. Raamdeo Agrawal identifies the fastest, the most consistent, and the biggest value creating companies over the past 5 years. This year's theme is on Focused Investing; Power of allocation in Wealth Creation
While planning for investing in tax savings instruments, you should be focusing on your portfolio asset allocation rather than safety of returns or recent past performance.
The document discusses systematic investment planning (SIP) as a simple way to invest in equity and create wealth over the long term. It notes that equity returns have historically beaten inflation, and that starting investments early and allowing time and compounding to work for you can significantly grow wealth. Rather than trying to time the market, the document advocates a disciplined SIP approach through mutual funds. It provides details on how SIPs work, their benefits, and the process for enrolling in one.
The document discusses the benefits of exercise for both physical and mental health. It notes that regular exercise can reduce the risk of diseases like heart disease and diabetes, improve mood, and reduce feelings of stress and anxiety. The document recommends that adults get at least 150 minutes of moderate exercise or 75 minutes of vigorous exercise per week to gain these benefits.
How to Become a Thought Leader in Your NicheLeslie Samuel
Are bloggers thought leaders? Here are some tips on how you can become one. Provide great value, put awesome content out there on a regular basis, and help others.
Avoid Dreadful Mistakes While Investing in Mutual FundsInvestmentz
If you don’t balance your earnings and spending, you will never save enough to invest which is a sure way to crash-land since you will never know when you ran out of fuel.
The document outlines six key reasons why having a financial advisor is a smart investment: 1) They have expertise in investing strategies and products to guide decisions. 2) They stay up-to-date on financial trends so clients don't have to. 3) Advisors provide understandable financial advice tailored to each client's goals, risk tolerance, and interests. 4) Advisors take the emotion out of investing by helping clients stay focused on their goals. 5) Advisors commit to supporting clients at all stages of life by considering future needs. 6) Working with an advisor brings peace of mind through their ongoing support and adjustments to financial plans.
What You Should Know About Financial Planningmarcpico
This document provides information about financial planning, including what it is, its benefits, and the financial planning process. Financial planning is a process that helps people meet life goals like buying a home or saving for retirement through proper financial management. It involves gathering information, setting goals, examining one's financial situation, and creating a strategy. Financial planning provides direction and allows people to understand how financial decisions impact other areas. The financial planning process consists of six steps including establishing the client-planner relationship, gathering information and goals, analyzing the financial status, developing recommendations, implementing the plan, and monitoring progress.
Investing Rules You Should Never Break is a concise and practical guide that provides investors with essential principles for successful and sustainable investing. This e-book covers the fundamental rules that every investor should follow to avoid costly mistakes and achieve their financial goals.
The book offers insights and advice on how to create a diversified investment portfolio, manage risks, and maximize returns. It also includes strategies for managing emotions and avoiding common behavioral biases that can lead to poor investment decisions.
Investing Rules You Should Never Break is an excellent resource for both novice and experienced investors who want to improve their investment outcomes. The tips and strategies presented in this e-book are actionable and backed by research, making it a reliable guide for anyone seeking to invest wisely and profitably.
This document provides an overview of financial planning and investing. It explains that financial planning can help achieve life goals and outlines the importance of having a plan. It also discusses key investing concepts like risk, return, diversification and different asset classes. The document notes that financial advisers can help create suitable investment portfolios and administer them over the long term. Overall, the summary emphasizes that financial planning and investing are important for working towards financial goals at different life stages.
Financial planning involves organizing one's current financial situation, setting financial goals, and choosing appropriate investment options to achieve those goals given one's resources. The key components of financial planning are assessing current resources, determining financial goals, and selecting suitable investment options. A financial planner helps clients through developing a plan that incorporates protection, emergency savings, debt reduction, and wealth creation strategies tailored to the individual. Asset allocation among different asset classes is also an important factor in financial planning.
6 step simple personal finance planning dont read if you plan your personal f...Vinod Pottayil
Personal finance is managing your finance for achieving your short and long term financial goals.
It means the application of self-discipline on your income to plan and secure your future. Personal finance planning only will lead you to the ultimate financial freedom.
1) The document provides an introduction to different ways of investing through ABN AMRO Bank, including self-directed investing without advice, investing with advice from an advisor, and letting the bank invest your capital through a portfolio manager.
2) Investing with advice offers options like Profile Fund Investing, Fund Advice, Fund Advice Plus, Investment Advice, and Investment Advice Active, which provide varying levels of advice and support.
3) Letting the bank invest your capital involves leaving management of your investment portfolio to an experienced portfolio manager who will take account of your risk profile and investment goals.
Financial planning involves creating a budget, determining financial goals, saving and investing appropriately, maintaining adequate insurance coverage, tracking progress towards goals, and engaging in tax planning. The key steps in financial planning are to prepare a budget, determine short, medium, and long-term goals, start saving regularly through systematic investment plans, ensure life is insured, build an investment portfolio, regularly review the financial plan, and utilize available tax saving options. Maintaining an emergency fund, prioritizing goals, reducing credit card usage, and automating investments are important aspects of effective financial planning.
Financial planning involves creating a budget, determining financial goals, saving money, getting insured, investing, tracking progress, and tax planning. It is a process to help meet life goals like buying a house, saving for education, or retirement. Young individuals should start financial planning to benefit from compound interest over many years and meet future goals. The key steps are preparing a budget, setting short, medium, and long-term goals, saving at least 35-40% of income, getting insured, investing in mutual funds, reviewing the plan annually, and consulting a tax expert. Financial advisors can help develop an appropriate plan based on a person's unique situation and goals.
Financial planning involves more than just retirement - it is about planning for financial needs at every stage of life. At Future Wealth Planners, financial advisers follow a six step process to develop personalized financial plans and strategies for clients and ensure their plans remain relevant as clients' needs change over time. The six steps include assessing a client's current situation, setting financial goals, identifying any issues, presenting a personalized financial plan, implementing the recommended strategies, and ongoing review meetings.
Year Book by Infinity Finserv Pvt Ltd ( Yr 2020)aditya72
The year 2020 has brought in a major health crisis in terms of COVID-19. This crisis has taught us many lessons - lessons to manage our emotions, lessons to think positive and lessons to manage our investments. Our E book will teach you many tips and tricks to help you manage your finances properly
This document provides a 5 question quiz to help determine if you are properly planning your income and investments. It suggests that you should plan investments around lifestyle goals rather than just for tax savings. It also recommends not keeping large sums in savings accounts and instead investing in a diversified portfolio. It stresses the importance of starting to save for retirement early, even putting away small daily amounts. It advises doing your own research on financial products rather than relying solely on marketing. And it says insurance and investments are different needs that require separate types of products. The document concludes by noting most people answered at least 3 questions correctly but few implemented a formal income plan.
The document outlines 10 reasons to use a financial adviser:
1) They can help assess your needs and recommend the best options to protect yourself and your family from financial hardship due to personal tragedy.
2) They can help plan both your spending and saving to build assets and wealth as efficiently as possible for both short and long-term needs.
3) They can help plan for retirement by sorting through pension and investment options to maximize your long-term prospects.
Admirable Worldwide is one-stop consultancy firm offering comprehensive solutions in Financial Planning and Consulting. We help individuals and corporates to achieve their strategic goals and objectives as well as increasing process efficiencies to optimize revenue and bottom line.
Financial Planning is the process of meeting your life goals through the proper management of your finances. Life goals can include buying a house, saving for your child's higher education or planning for your retirement.
Financial Planning is about “Planning Life” and “Financial Prosperity” and involves 95% strategy and 5% products. It is the blueprint for planning and management of all financial affairs for your entire life and consider holistic view that enables you achieving your life’s goals. For further details, please visit "http://www.admirableworldwide.com/".
Financial Planning - Helping You Sail Successfully into the FutureFrank Wiginton
This document summarizes the key aspects of developing a comprehensive financial plan. It discusses that a financial plan should address goals, assets, debts, taxes, investments, insurance, estate planning and more. It outlines the multi-step process of developing a plan, including initial interviews, data gathering, analysis, draft reviews and implementation. It emphasizes that a good financial plan takes over 20 hours to fully prepare. The document also provides background on the author, Frank Wiginton, a certified financial planner who believes comprehensive planning is needed to make appropriate financial recommendations and decisions.
1. Financial planning involves evaluating one's current financial situation, setting goals, and developing recommendations to achieve those goals. It includes areas like investing, taxes, savings, and insurance.
2. The document discusses the meaning and benefits of financial planning. It outlines the basic steps of financial planning as evaluating one's current finances, writing down financial objectives, exploring investment opportunities, and developing the right plan.
3. Maintaining and monitoring the financial plan is emphasized as important for adapting to changes in one's circumstances over time. Various tips are provided around managing expenses, savings, debt, and investments.
This document provides guidance on creating a personal financial plan. It discusses why financial planning is important, how to get started with the process, and how to choose a financial planner. Specifically, creating a financial plan helps set goals, make smart financial decisions, and feel secure about your long-term finances. The process of financial planning involves gathering your financial information, setting goals, developing recommendations, and monitoring your progress. When choosing a planner, it is best to select one with CFP certification who is held to high ethical standards and can consider all aspects of personal finance.
If you are beginning your investment journey (or if you want to rethink with a structured approach), there’s no better place to start! This document outlines a structured approach to investing that we wish we had when we started to invest.
Financial coaching provides guidance to help people improve their financial situation and work towards their goals. A financial coach educates clients on topics like budgeting, debt management, retirement savings, and investments to develop a customized plan. They hold clients accountable but don't manage money directly. Coaching empowers clients to implement changes through education and accountability. Popular topics covered include emergency funds, budgeting, debt elimination, saving for goals like education and retirement, and insurance. Financial coaching may benefit those seeking help navigating personal finances and accelerating financial success.
Similar to 10 reasons why you need a financial advisor for invesment success (20)
Marwah Financial Services offers a one-stop solution for all investment needs including mutual funds, share trading, and fixed deposits. Located at 719, Amba Tower in D C Chowk, Marwah Financial Services can be contacted via phone at +91 11 47016500 or by email at info@marwahfinancial.com.
Dear All,
We hope that our research is proving out to be valuable for everyone. We would like to have your valuable feedback and suggestions so that our effort stays relevant to your needs.
Note: The recommendations are based on technical analysis. There is a risk of loss in trading.
The weekly commentary provides a technical analysis of the Nifty and Bank Nifty indices for the coming week, along with recommendations for trading strategies. It finds that Nifty has broken below key support levels and shows weakness, recommending short positions with targets of 5980-5985 and avoiding long positions for now. Bank Nifty is also seen as weak, with recommendations to short above 10450 and go long between 10000-10050 with targets of 10200 and 10400. The commentary also provides stock pick recommendations, analyzing Adani Enterprises and Hindalco for long positions based on technical factors like consolidation and support levels.
Nifty has been trading in a range over the last few months and is not expected to break out of this range before the January expiry on the 30th. It will be important to focus on support and resistance levels and trade according to these levels. Bank Nifty is also trading in a narrow range and may break out in either direction after the RBI policy review on the 28th. Some trading strategies are provided for both indices for Monday and Tuesday, focusing on support and resistance levels. Specific levels are given to enter long or short positions depending on where the indices open.
As part of our Investor education initiative, HDFC MF has sponsored a booklet on 'Plan Your Child's Education' which was printed and published with the current issue (December 30, 2013) of Outlook magazine.
Equities - Good investments are invariably made in bad times.Marwah Financial®
- Low P/E investments have historically delivered good returns over 3 and 5 years, but low P/E periods are only available during difficult economic times when investor sentiment is negative. [paragraph 2]
- While low P/E periods have been profitable for long-term investors, most retail investors tend to invest more when the market and P/E ratios are higher, resulting in sub-optimal returns. [paragraph 4]
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Inverted yield curve - An investment opportunity in Fixed IncomeMarwah Financial®
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Debt funds are mutual funds that invest in fixed income instruments like bonds and money market instruments. They provide regular income and are less risky than equity funds since they are less volatile. Different types of debt funds invest in instruments of varying maturities - short term, medium term, long term, etc. Factors like average maturity, liquidity, credit quality, fund size, and interest rate sensitivity should be considered while selecting a debt fund. Debt funds are suitable for investors seeking steady returns while avoiding high risk and volatility associated with equity markets.
This document provides an investment guide for new professionals. In chapter 1, N.R. Narayana Murthy writes the foreword, emphasizing principles of avoiding speculation, preferring low-cost investments, and demanding transparency from investment managers. Chapter 2 explains the importance of saving and investing to beat inflation and create wealth over the long run. Chapter 3 discusses the power of compound interest and advocates starting to invest early. It shows how small differences in returns and periods of investment can significantly impact overall returns. The document provides an overview of popular investment options in India and their risk-return profiles to help readers choose based on their risk tolerance.
Here's a list of schemes that made it to Mint 50.
The returns are across three time periods and you would do well to first look at five- and 10-year performances and then look at the three-year return to see if the fund is still ahead. Value Research rating gives an indication of the risk-adjusted return.
1) Tata Steel is India's largest integrated steel player and one of the world's largest steel producers. It is expanding production capacity in India.
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3) Sun Pharma is an international specialty pharmaceutical company with a leading position in several therapeutic categories in India. It has a track record of strong sales and profit growth.
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10 reasons why you need a financial advisor for invesment success
1. 10 Reasons
why you need a financial advisor
for investment success
10 Reasons
why you need a financial advisor
for investment success
An investor education initiative from
Deutsche Mutual Fund
www.dws-india.com | Toll Free 1-800-209-5005
2. An investor education initiative from Deutsche Mutual Fund
Just as a good coach plays a key role in formulating strategies which
help a player realize his potential, a good financial advisor helps us
meet our desired financial goals. From the wide variety of financial
products available in the market, it is difficult to choose the right one
that suits our financial plan and risk appetite. As a result, we often
make wrong investment decisions and our financial goals remain an
illusion. The role of a financial advisor is of a friend, philosopher and
guide, who help us stay on the right track as we journey to our
desired financial destination.
This booklet titled '10 Reasons Why You Need a Financial Advisor for
Investment Success' is an attempt to better understand how the
financial advisor can help you achieve your goals. Using simple
language and colorful illustrations, concepts are explained with the
help of anecdotes taken from everyday life. We hope this booklet will
help you identify areas in your finances which will require the
expertise of a financial advisor and help you take a step forward in
identifying a good advisor.
Deutsche Mutual Fund, a leading fund house, as a part of an investor
education initiative, has tied up with ICRA Online Ltd. (a sister
concern of ICRA Ltd., a leading rating agency) to bring you a series of
booklets, which will help you understand the basics of financial
planning in an easy and simple reading format. Our objective is to
make you aware so that you can make the right investment decision.
Do write in with your feedback to deutsche.mutual@db.com or Call
1-800-209-5005 or visit www.dws-india.com
Happy Reading and Best wishes in identifying a Financial Advisor!!!
Foreword
3. Example
Like a coach who brings in his professional experience to help players, a
financial advisor brings with him professional knowledge and expertise to
help you set and achieve specific financial goals.
Reason 1: Like an experienced coach, a financial advisor gives
professional advice based on your needs
League match
Final
6 RUNS NEEDED
OFF 23 BALLS.
1 WICKET
REMAINING
You shouldn’t
have taken the
risky single.
Thanks
coach...!!
If you wish to buy a house, a inancial advisor can put
together a plan taking into account your assets, income
and time-frame to buy; there by advising you on where to
invest to meet your goals.
An investor education initiative from Deutsche Mutual Fund
4. I am confused..
what should
I do?
Brilliant Report
Card Manu! Now
target 500+ score to
get into the top
Medical college
Few years later Dr. Manu Sharma runs a successful
medical practise
I want to be a
scientist. I want to be an
engineer.
I want to be a
CA.
Like a wise mentor who guides you towards the right career path, a
financial advisor helps you not only to set the overall financial target but
also to break-up the target into smaller measurable goals. Therefore by
taking a step-by-step approach the financial planner can measure your
progress and take corrective action when necessary.
Reason 2: Like a mentor, a financial advisor helps you set
measurable goals
An investor education initiative from Deutsche Mutual Fund
Example
If you are wish to buy a house in 5 years, the inancial
advisor will set investment targets against which
performance will be measured and monitored on a yearly
basis. Corrective action will be suggested where ever
necessary, so that your plan to buy the house is on track to
success.
5. Example
Just like a good teacher helps students understand various concepts, a
financial advisor helps you better understand various financial
instruments and their relevance to your goals. Sometimes you may choose
the wrong financial product due to a lack of understanding of the subject,
here a financial advisor can correct you and suggest the appropriate
product.
Reason 3: Like a good teacher, a financial advisor helps you
understand various financial instruments
Students
identify this
animal?
It’s
a dog!
Sir, an excursion
to zoo will help
students.
Ha Ha Ha
Ha...
This is
Giraffe!
If you are in your irst job, it may not make sense to put all
your money into a ixed deposit which gives low returns,
rather a inancial advisor may ask you to allocate money
into other asset classes like equities which have the
potential to give higher returns.
An investor education initiative from Deutsche Mutual Fund
6. Example
Just as a driving instructor will highlight to you mistakes that can cost
you your life, a financial advisor guides you in making your financial
decisions after studying the impact they can have on your various goals.
You must therefore share every detail of your current financial situation,
so that he/she can advise you correctly.
Reason 4: Like a vigilant instructor, a financial advisor highlights
the effect each financial decision has on your overall financial
goals
Each feature of the
car is important. You
must use them
wisely.
You should have
applied brakes
earlier..!!
Your
every decision on the
road, can impact your
safety.
If you plan to buy a car in 2 years, and also require a
substantial sum in hand to send your child for higher
studies in 5 years, your inancial advisor can help you.
He may advice to increase your investments or defer the
car purchase, if your investments are not enough to fund
the higher studies in time.
An investor education initiative from Deutsche Mutual Fund
7. Example
Just as you rely on your friend for timely advice, you can rely on your
financial advisor to track, review and re-evaluate your investments
periodically so that you avoid nasty surprises later. Financial planning is a
dynamic process and a financial advisor keeps regular track of your
investments and revises your financial strategy if there are changes in
lifestyle or circumstances.
Reason 5: Like a well-meaning friend, a financial advisor reminds
you to re-evaluate your financial situation periodically
Few years later..
My plot.. One day
I will have my own farm
house here.
Oh my God..!!
You should visit the
plot to check if
everything is
alright!
If you are faced with an unexpected reduction in income
due to a slowdown, your inancial advisor can help you
reprioritize your goals and reallocate your investments to
less riskier and more stable assets, till there is an
improvement in your regular income.
An investor education initiative from Deutsche Mutual Fund
8. Example
Just as a parent constantly reminds a child about the importance of
starting studies early, a financial advisor will advise you to start planning
for your goals and start investing at the earliest so that you have the
benefit of time to achieve your financial goals.
Reason 6: Like a parent, a financial advisor encourages you to
start planning as soon as you can
Raju you should
start studying early
to prepare well.
The semester has
just started and
Raju is studying.
Mom, I stood
1st in class.
At the early stages of your career you may want to spend -
rather than save and invest. Here a inancial advisor can
explain to you the bene its of saving, and regularly investing a
part of your income through the Systematic Investment Plan
(SIP) route into equity funds - to bene it from their growth.
An investor education initiative from Deutsche Mutual Fund
9. There are many beautiful plans that an architect may have, but your house
plan will be based on how much you can afford. In the same manner a
financial advisor will give broad performance measures that can be
expected from each asset class, and will correct you if your expectations
are unrealistic.
Reason 7: Like a seasoned architect, a financial advisor will draw
up a financial plan which is practically achievable
I will have
my castle here
soon.
Please advice
how can i build my
dream castle??
Considering the
size of the plot, you
can have just a small
house here.
OK!!
An investor education initiative from Deutsche Mutual Fund
Example
While your advisor may recommend you to invest 5-10%
of your portfolio in gold ETFs; if you ask to increase the
allocation considering the high levels gold has touched
historically, your advisor may ask you to be realistic
considering that returns from gold have also languished
for decades in the past.
10. Example
Just like a good dietician advises you on the best food options that
complement your body type, a financial advisor helps you chalk out your
investment strategy, offering options that suit your requirement but
leaves the final decision to you. This will make you realize that it is
actually you who are in charge of your hard-earned money.
Reason 8: Like a good dietician, a financial advisor recommends a
plan, yet empowers you to take charge of your financial health
I recommend
you this diet plan,
so that you can
gain weight.
Follow this
diet plan. It will
help you reduce
weight.
If you are in your 30’s, your inancial advisor may suggest
an asset allocation ratio (60 Equity: 30 Debt: 10 Cash); and
provide an investment recommendation list of equity and
debt funds that realizes your retirement goals. However the
choice of funds to select from the recommended list will be
yours.
An investor education initiative from Deutsche Mutual Fund
11. Example
Your family doctor keeps your health in mind while treating your illness,
similarly, a financial advisor also gives priority to your interest and not his
own. An agent may push products which will fetch him more commission but
a financial advisor recommends such instruments that will help you realize
your short-term and long-term financial goals, while keeping your risk
profile in mind.
Reason 9: Like your family doctor, a financial advisor keeps your
interest in mind at all time
Doctor,
please take care
of all necessary
immunity booster
drops.
At this age I suggest
start watching what
you eat. Heathly diet
is necessary for your
good health.
As you are
growing, start
focusing on your
fitness.
A inancial advisor will not ask you to invest in a New Fund
Offer (NFO) with no merits, even when he could earn more
commission.
An investor education initiative from Deutsche Mutual Fund
12. Reason 10: Like a supportive spouse, a financial advisor frees up
your time so that you can concentrate on other important things
Thank God,
my wife is there to
take care of other
works..
I can share your
work.
Just like a supportive spouse takes care of household work, a financial
advisor takes care of your financial planning needs. In the midst of various
daily engagements you may not get enough time to do the proper homework
before making an informed investment decision. A financial advisor does
this on your behalf.
Example
While you may have made some good investment
decisions, to reap the bene its you will also need to know
when to sell these investments. But due to other priorities in
life, you may miss opportunities to sell your investments at an
opportune time. A inancial advisor uses his expertise to tell
you a good time to sell/redeem your investments.
An investor education initiative from Deutsche Mutual Fund
13. An investor education initiative from Deutsche Mutual Fund
A registered financial advisor will have an AMFI
Registration Number (ARN) and identity card e.g.
ARN-0002. AMFI stands for Association of Mutual Funds
in India. A financial advisor gets an ARN only after
passing the AMFI Certification Test, providing the Know
Your Distributor (KYD) details and going through a
verification process which includes submission of various
document proofs, in person verification and bio-metric
process. These procedures are as mandated by Securities
and Exchange Board of India (SEBI). There is a validity
period for the certification and you should check if your
advisor’s certificate is still valid, since your financial
advisor needs to go through refresher tests in order to
renew his/her certification. A financial advisor will also
offer a wide range of products covering major asset
classes such as Equity, Debt, Commodities, etc so that
there are enough financial instruments to choose from to
meet your financial goals.
How do you identify a
Financial Advisor?
How do you identify a
Financial Advisor?
To locate a financial advisor in your area
visit: www.amfiindia.com/locate-the-nearest-financial-advisor-details
14. Reason 1: Like an experienced coach, a financial advisor
gives professional advice based on your needs
Reason 2: Like a mentor, a financial advisor helps you set
measurable goals
Reason 3: Like a good teacher, a financial advisor helps you
understand various financial instruments
Reason 4: Like a vigilant instructor, a financial advisor
highlights the effect each financial decision has
on your overall financial goals
Reason 5: Like a well-meaning friend, a financial advisor
reminds you to re-evaluate your financial
situation periodically
Reason 6: Like a parent, a financial advisor encourages you
to start planning as soon as you can
Reason 7: Like a seasoned architect, a financial advisor will
draw up a financial plan which is practically
achievable
Reason 8: Like a good dietician, a financial advisor
recommends a plan, yet empowers you to take
charge of your financial health
Reason 9: Like your family doctor, a financial advisor keeps
your interest in mind at all time
Reason 10: Like a supportive spouse, a financial advisor
frees up your time so that you can concentrate
on other important things
10 Reasons
why you need a financial advisor
for investment success
10 Reasons
why you need a financial advisor
for investment success
An investor education initiative from Deutsche Mutual Fund
15.
16. Disclaimer:
All information contained in this document has been obtained by ICRON from sources believed by it
to be accurate and reliable. Although reasonable care has been taken to ensure that the information
herein is true, such information is provided‘as is’ without any warranty of any kind, and ICRON or its
affiliates or group companies and its respective directors, officers, or employees in particular, makes
no representation or warranty, express or implied, as to the accuracy, suitability, reliability, timelines
or completeness of any such information. All information contained herein must be construed solely
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officers, or employees shall not be liable for any losses or injury, liability or damage of any kind
incurred from and arising out of any use of this document or its contents in any manner, whatsoever.
Opinions expressed in this document are not the opinions of our holding company, ICRA Limited
(ICRA), and should not be construed as any indication of credit rating or grading of ICRA for any
instruments that have been issued or are to be issued by any entity.
It is further clarified that this document is only for the purpose of providing general information and
guidance to the public and should not be construed as an offer or solicitation of an offer to buy or sell
any securities. The document is neither an ultimate source of the subject matter covered nor is
intended to be a professional advice. Reference to all the characters in this document is entirely
fictitious and any resemblance of any character to living persons, living or dead, or to any entity /
financial institution is purely coincidental. Users/recipients of this document may exercise their own
care and judgment and independently take professional advice before acting on information
contained herein.
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carefully.
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of this document or its content, can be copied, reproduced or distributed, in any manner, whatsoever,
for any unauthorized or illegitimate purpose.
An investor education initiative from
Deutsche Mutual Fund
Toll Free 1-800-209-5005 | deutsche.mutual@db.com | www.dws-india.com