Why Retirement plan ( Things to remember while planning for retirement )Singharoy Investment
Retirement is the time when you would like to spend your days doing what you love — travel, live in the farm house, start a poultry farm, restaurant etc. However, I have come across many people who are not very comfortable about retirement thinking that their regular income will then become irregular.
Retirement is the time when you would like to spend your days doing what you love — travel, live in the farm house, start a poultry farm, restaurant etc. However, I have come across many people who are not very comfortable about retirement thinking that their regular income will then become irregular.
Starting early helps save more
It's good if you start planning your finances early – your financial commitments are likely to be fewer, and hence you can salt away more. Planning at the early years of your career also helps compound the corpus many times by the time you retire.
Things to remember while planning for retirement
1: Decide how much income you require to live comfortably in your post-retirement years. Consider aspects like increased medical costs, vacations but reduce costs like children's education and rent, if you own your home. You must map this income on basis of your current lifestyle.
2: Determine how much you need to save regularly, starting today, to have the right amount. Start allocating as much as you can towards your retirement kitty. In case you are currently not in a position to set apart the funds required, start with whatever is at your disposal.
3: Select the right retirement plan, which will help you meet your post-retirement requirements.
4: Start saving now! Then you will have time on your side and can enjoy the power of compounding.
5: Systematically invest a fixed amount every month for your post-retirement years and lead a tension free healthy retirement.
Not only is retirement planning an essential aspect of one's overall financial planning exercise but is also crucial to be commenced early in life. One must always remember that systematic and early retirement planning can help you reduce your financial burden incurred during the post retirement years and help you plan for a carefree and financially secured post retirement life today.
Life Insurance Basics provides an overview of most of the types of life insurance products available today and reviews the basics of policies, contracts, beneficiaries and how to buy life insurance. Part of the continuing series of presentations in the Financial Services Industry Training. Contact us if you need training developed for your organization.
How winning the Battle for the Wealthy Investor, a new Cisco IBSG Study Uncovers Significant Opportunity To Address Needs of Wealthy Under-50 Investors
This PPT is on creating personal financial plan. Also ideas on creating wealth and also various avenues of investments. This ppt is based on investment options available in India
Why Retirement plan ( Things to remember while planning for retirement )Singharoy Investment
Retirement is the time when you would like to spend your days doing what you love — travel, live in the farm house, start a poultry farm, restaurant etc. However, I have come across many people who are not very comfortable about retirement thinking that their regular income will then become irregular.
Retirement is the time when you would like to spend your days doing what you love — travel, live in the farm house, start a poultry farm, restaurant etc. However, I have come across many people who are not very comfortable about retirement thinking that their regular income will then become irregular.
Starting early helps save more
It's good if you start planning your finances early – your financial commitments are likely to be fewer, and hence you can salt away more. Planning at the early years of your career also helps compound the corpus many times by the time you retire.
Things to remember while planning for retirement
1: Decide how much income you require to live comfortably in your post-retirement years. Consider aspects like increased medical costs, vacations but reduce costs like children's education and rent, if you own your home. You must map this income on basis of your current lifestyle.
2: Determine how much you need to save regularly, starting today, to have the right amount. Start allocating as much as you can towards your retirement kitty. In case you are currently not in a position to set apart the funds required, start with whatever is at your disposal.
3: Select the right retirement plan, which will help you meet your post-retirement requirements.
4: Start saving now! Then you will have time on your side and can enjoy the power of compounding.
5: Systematically invest a fixed amount every month for your post-retirement years and lead a tension free healthy retirement.
Not only is retirement planning an essential aspect of one's overall financial planning exercise but is also crucial to be commenced early in life. One must always remember that systematic and early retirement planning can help you reduce your financial burden incurred during the post retirement years and help you plan for a carefree and financially secured post retirement life today.
Life Insurance Basics provides an overview of most of the types of life insurance products available today and reviews the basics of policies, contracts, beneficiaries and how to buy life insurance. Part of the continuing series of presentations in the Financial Services Industry Training. Contact us if you need training developed for your organization.
How winning the Battle for the Wealthy Investor, a new Cisco IBSG Study Uncovers Significant Opportunity To Address Needs of Wealthy Under-50 Investors
This PPT is on creating personal financial plan. Also ideas on creating wealth and also various avenues of investments. This ppt is based on investment options available in India
Introduction to Wealth Management Industry by Miles SoftwareMiles_Software123
This presentation will help you understand the basics of the wealth management industry touching upon the following areas:
What is Wealth Management?
Why there is a need for Wealth Management?
How did Wealth Management Evolve?
Wealth Planning Process
Investment Avenues
Asset Allocation
What is Asset Management?
What is a Fund Management?
How to become a successful Wealth Manager?
INVESTMENT PLANNING FOR MODERATE INVESTOR.pptSana Mushtaque
My whole presentation is on a moderate investor.which is created under assumption and whole process which needs before financial planning and investing first time in mutual fund.
it include information about:-
what is mutual fund?
Types of mutual fund.
Different types of investor as their risk appetite.
What do you mean by financial planning?
Steps in financial planning.
Life cycle stage of investor
Goal setting
An example.
Scheme
conclusion
thank you
Just starting out on your investment journey?
Or have you been investing for a while and need a refresher?
A smart investor takes the time to be clear on the basic principles of investing and uses these to improve investing skills over time and more importantly, to avoid the costly pitfalls. And a smart investor doesn't rely on good luck. Instead, they take the time to consider their investment goals. Then they develop a plan and choose investments that align with their needs and objectives.
This workshop will cover the following areas:
Taking control!
Your money and your life
Savings and investments
Risk and diversification
Investment strategies
Managed fund, shares and property
By attending this session you will gain a better understanding of the fundamental investment principles such as gearing, asset allocation, diversification, dollar cost averaging & compounding. You will leave with a deeper understanding of these concepts which can help you, as an investor, avoid making mistakes and losing substantial sums of money.
Giving you greater confidence, peace of mind and ultimately better financial outcomes
Nick Gahan
Senior Financial Advisor
Nick is passionate about holistic advice encompassing superannuation (including SMSFs), personal insurance, investments, estate planning, retirement planning and social security and ensuring his clients are receiving comprehensive advice.
A simple and revolutionary financial plan report that does something simple.Abhinay Gupta
I was searching for a productive and presentable financial plan report on the web and couldn't find a single. All the sample financial plan that I have seen are either number crunches or complicated. Clients don't like it. It sucks! SO, here's a simple and revolutionary financial plan report that does something simple.It helps clients in understanding its personal finance and increases engagement.The report is simple, meaningful and free of data crunches. I feel this will change the way people look at their personal finance.
Risk Return Trade Off PowerPoint Presentation SlidesSlideTeam
Presenting this set of slides with name - Risk Return Trade Off Powerpoint Presentation Slides. This deck consists of total of twenty nine slides. It has PPT slides highlighting important topics of Risk Return Trade Off Powerpoint Presentation Slides. This deck comprises of amazing visuals with thoroughly researched content. Each template is well crafted and designed by our PowerPoint experts. Our designers have included all the necessary PowerPoint layouts in this deck. From icons to graphs, this PPT deck has it all. The best part is that these templates are easily customizable. Just click the DOWNLOAD button shown below. Edit the colour, text, font size, add or delete the content as per the requirement. Download this deck now and engage your audience with this ready made presentation.
Showcase the scope of financial management with this content ready Financial Management PowerPoint Presentation Slides. The ready to use financial planning PowerPoint complete deck includes various slides such as financial management goals, objectives, US financial system, financial instruments, rights issue, debenture, time value for money parameters, valuation of bonds, comparative statement, common size statement, balance sheet , cash flow statement, trend analysis, ratio analysis, cash flow for operating activities and many more. Determine the financial needs and ensure availability to adequate funds. Get your audience focus on forex capital analysis, capital budgeting evaluation techniques of projects, capital structure and dividend policy, leverage analysis, cost of capital, working capital analysis, receivable management, inventory management, economic order quality, FIFO and LIFO method, commodity exchange basics and types, commodity exchange structure, financial risk management, types and components, financial risk analysis, capital asset pricing model, etc. Download the investment management PPT slides to present the concepts of financial accounting. Display grasp of every aspect with our Financial Management Powerpoint Presentation Slides. They help exhibit great dexterity. https://bit.ly/3t21RYj
Introduction to Wealth Management Industry by Miles SoftwareMiles_Software123
This presentation will help you understand the basics of the wealth management industry touching upon the following areas:
What is Wealth Management?
Why there is a need for Wealth Management?
How did Wealth Management Evolve?
Wealth Planning Process
Investment Avenues
Asset Allocation
What is Asset Management?
What is a Fund Management?
How to become a successful Wealth Manager?
INVESTMENT PLANNING FOR MODERATE INVESTOR.pptSana Mushtaque
My whole presentation is on a moderate investor.which is created under assumption and whole process which needs before financial planning and investing first time in mutual fund.
it include information about:-
what is mutual fund?
Types of mutual fund.
Different types of investor as their risk appetite.
What do you mean by financial planning?
Steps in financial planning.
Life cycle stage of investor
Goal setting
An example.
Scheme
conclusion
thank you
Just starting out on your investment journey?
Or have you been investing for a while and need a refresher?
A smart investor takes the time to be clear on the basic principles of investing and uses these to improve investing skills over time and more importantly, to avoid the costly pitfalls. And a smart investor doesn't rely on good luck. Instead, they take the time to consider their investment goals. Then they develop a plan and choose investments that align with their needs and objectives.
This workshop will cover the following areas:
Taking control!
Your money and your life
Savings and investments
Risk and diversification
Investment strategies
Managed fund, shares and property
By attending this session you will gain a better understanding of the fundamental investment principles such as gearing, asset allocation, diversification, dollar cost averaging & compounding. You will leave with a deeper understanding of these concepts which can help you, as an investor, avoid making mistakes and losing substantial sums of money.
Giving you greater confidence, peace of mind and ultimately better financial outcomes
Nick Gahan
Senior Financial Advisor
Nick is passionate about holistic advice encompassing superannuation (including SMSFs), personal insurance, investments, estate planning, retirement planning and social security and ensuring his clients are receiving comprehensive advice.
A simple and revolutionary financial plan report that does something simple.Abhinay Gupta
I was searching for a productive and presentable financial plan report on the web and couldn't find a single. All the sample financial plan that I have seen are either number crunches or complicated. Clients don't like it. It sucks! SO, here's a simple and revolutionary financial plan report that does something simple.It helps clients in understanding its personal finance and increases engagement.The report is simple, meaningful and free of data crunches. I feel this will change the way people look at their personal finance.
Risk Return Trade Off PowerPoint Presentation SlidesSlideTeam
Presenting this set of slides with name - Risk Return Trade Off Powerpoint Presentation Slides. This deck consists of total of twenty nine slides. It has PPT slides highlighting important topics of Risk Return Trade Off Powerpoint Presentation Slides. This deck comprises of amazing visuals with thoroughly researched content. Each template is well crafted and designed by our PowerPoint experts. Our designers have included all the necessary PowerPoint layouts in this deck. From icons to graphs, this PPT deck has it all. The best part is that these templates are easily customizable. Just click the DOWNLOAD button shown below. Edit the colour, text, font size, add or delete the content as per the requirement. Download this deck now and engage your audience with this ready made presentation.
Showcase the scope of financial management with this content ready Financial Management PowerPoint Presentation Slides. The ready to use financial planning PowerPoint complete deck includes various slides such as financial management goals, objectives, US financial system, financial instruments, rights issue, debenture, time value for money parameters, valuation of bonds, comparative statement, common size statement, balance sheet , cash flow statement, trend analysis, ratio analysis, cash flow for operating activities and many more. Determine the financial needs and ensure availability to adequate funds. Get your audience focus on forex capital analysis, capital budgeting evaluation techniques of projects, capital structure and dividend policy, leverage analysis, cost of capital, working capital analysis, receivable management, inventory management, economic order quality, FIFO and LIFO method, commodity exchange basics and types, commodity exchange structure, financial risk management, types and components, financial risk analysis, capital asset pricing model, etc. Download the investment management PPT slides to present the concepts of financial accounting. Display grasp of every aspect with our Financial Management Powerpoint Presentation Slides. They help exhibit great dexterity. https://bit.ly/3t21RYj
Why Mutual Fund
Sahi Hai?How do you get the Retu
rns in
Mutual Funds?
What is Systematic
Investment Plan (SIP)
in Mutual Fund ?
Nifty started with a dull note at 16887, on 3rd October 2022 but closed at 18012
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
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.
Tata Group Dials Taiwan for Its Chipmaking Ambition in Gujarat’s DholeraAvirahi City Dholera
The Tata Group, a titan of Indian industry, is making waves with its advanced talks with Taiwanese chipmakers Powerchip Semiconductor Manufacturing Corporation (PSMC) and UMC Group. The goal? Establishing a cutting-edge semiconductor fabrication unit (fab) in Dholera, Gujarat. This isn’t just any project; it’s a potential game changer for India’s chipmaking aspirations and a boon for investors seeking promising residential projects in dholera sir.
Visit : https://www.avirahi.com/blog/tata-group-dials-taiwan-for-its-chipmaking-ambition-in-gujarats-dholera/
LA HUG - Video Testimonials with Chynna Morgan - June 2024Lital Barkan
Have you ever heard that user-generated content or video testimonials can take your brand to the next level? We will explore how you can effectively use video testimonials to leverage and boost your sales, content strategy, and increase your CRM data.🤯
We will dig deeper into:
1. How to capture video testimonials that convert from your audience 🎥
2. How to leverage your testimonials to boost your sales 💲
3. How you can capture more CRM data to understand your audience better through video testimonials. 📊
RMD24 | Debunking the non-endemic revenue myth Marvin Vacquier Droop | First ...BBPMedia1
Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
Retail media wordt gezien als het nieuwe advertising-medium en ook mediabureaus richten massaal retail media-afdelingen op. Merken die niet in de betreffende winkel liggen staan ook nog niet in de rij om op de retail media netwerken te adverteren. Marvin belicht de uitdagingen die er zijn om echt aansluiting te vinden op die markt van non-endemic advertising.
What is the TDS Return Filing Due Date for FY 2024-25.pdfseoforlegalpillers
It is crucial for the taxpayers to understand about the TDS Return Filing Due Date, so that they can fulfill your TDS obligations efficiently. Taxpayers can avoid penalties by sticking to the deadlines and by accurate filing of TDS. Timely filing of TDS will make sure about the availability of tax credits. You can also seek the professional guidance of experts like Legal Pillers for timely filing of the TDS Return.
RMD24 | Retail media: hoe zet je dit in als je geen AH of Unilever bent? Heid...BBPMedia1
Grote partijen zijn al een tijdje onderweg met retail media. Ondertussen worden in dit domein ook de kansen zichtbaar voor andere spelers in de markt. Maar met die kansen ontstaan ook vragen: Zelf retail media worden of erop adverteren? In welke fase van de funnel past het en hoe integreer je het in een mediaplan? Wat is nu precies het verschil met marketplaces en Programmatic ads? In dit half uur beslechten we de dilemma's en krijg je antwoorden op wanneer het voor jou tijd is om de volgende stap te zetten.
What are the main advantages of using HR recruiter services.pdfHumanResourceDimensi1
HR recruiter services offer top talents to companies according to their specific needs. They handle all recruitment tasks from job posting to onboarding and help companies concentrate on their business growth. With their expertise and years of experience, they streamline the hiring process and save time and resources for the company.
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Digital Transformation and IT Strategy Toolkit and TemplatesAurelien Domont, MBA
This Digital Transformation and IT Strategy Toolkit was created by ex-McKinsey, Deloitte and BCG Management Consultants, after more than 5,000 hours of work. It is considered the world's best & most comprehensive Digital Transformation and IT Strategy Toolkit. It includes all the Frameworks, Best Practices & Templates required to successfully undertake the Digital Transformation of your organization and define a robust IT Strategy.
Editable Toolkit to help you reuse our content: 700 Powerpoint slides | 35 Excel sheets | 84 minutes of Video training
This PowerPoint presentation is only a small preview of our Toolkits. For more details, visit www.domontconsulting.com
Discover the innovative and creative projects that highlight my journey throu...dylandmeas
Discover the innovative and creative projects that highlight my journey through Full Sail University. Below, you’ll find a collection of my work showcasing my skills and expertise in digital marketing, event planning, and media production.
Implicitly or explicitly all competing businesses employ a strategy to select a mix
of marketing resources. Formulating such competitive strategies fundamentally
involves recognizing relationships between elements of the marketing mix (e.g.,
price and product quality), as well as assessing competitive and market conditions
(i.e., industry structure in the language of economics).
Attending a job Interview for B1 and B2 Englsih learnersErika906060
It is a sample of an interview for a business english class for pre-intermediate and intermediate english students with emphasis on the speking ability.
15. Human Life Cycle – Disciplined Planning Income Age Birth & Education Earning Years Retirement Phase I Phase II Phase III 22 yrs 60 yrs Marriage Child birth Child’s Education Child’s Marriage Housing 22 yrs 38 yrs Over 25 - 30 yrs Having a Financial Goal is primary to starting a Investment Plan.
32. Investment Avenues High Low Don’t Invest here RETURN Equity Index Funds Growth Funds RISK Balance Funds Optimal Aggressive Stance ## the size of the circle denotes the level of liquidity Low RBI Comp FD P.O. Income Funds GOI Sec Liquid Fund Gilt Funds Sedate Zone Bank FD High
35. Asset Allocation An asset allocation is a strategy of dividing the portfolio among various asset classes so as to obtain the desired portfolio characteristics to suit distinct investor profiles. Bonds, Stocks and Cash equivalents are the most commonly used asset classes in any asset allocation. It is an organized and effective method of diversification Stocks Bonds Cash The asset allocation for an investor depends on the investors expectations of returns and the risk the investor is willing to take.
51. Let us now create a portfolio of a stock A and a bond B. Stock A is expected to deliver a return of 20% per annum with a volatility of 25% and bond B is expected to deliver a return 6% per annum with a volatility of 5%. In case if we allocate the assets in equal proportion 50% in A and 50% in B than the resultant portfolio is expected to deliver a return of (0.5)*20% + (0.5)*6% = 13.0% with an approximate volatility of 15% Creating a Portfolio
52. Now if we change the allocation to 25% in A and 75% in B than the resultant portfolio is expected to deliver a return of (0.25)*20% + (0.75)*6% = 9.5% with an approximate volatility of 10% It can be observed from the above that as one changes the asset allocation the returns as well as the risk profile of the portfolio changes considerably. Hence asset allocation is an investment portfolio technique that aims to balance risk and create diversification by dividing assets among major categories such as cash, debt and equity based on the risk profile and financial needs of the investor Creating a Portfolio
56. Asset class characteristics Security Class Maturity of security Form of return Risk Cash Equivalents Short Interest Low Fixed Deposits Long Interest Medium Govt Securities Long Interest Medium Corporate Bonds Long Interest Medium Preference Shares Perpetual Dividend Moderately high Equity Shares Perpetual Dividend and capital gains High
60. Investment returns The rate of return on an investment can be calculated as follows: (Amount received – Amount invested) Return = _________________________________ Amount invested For example, if Rs.1,000 is invested and Rs.1,100 is returned after one year, the rate of return for this investment is: (Rs.1,100 – Rs.1,000) / Rs.1,000 = 10%. In case if we adjust the return obtained from above for inflation we arrive at the real return in the investment
61. Return Variability A B C Investment A: no return variation, no risk Investment B: some return variation, some risk Investment C: wide return variation, much risk 4.0% 2.5% 6.00% 15% -8%
62.
63.
64.
65.
66. Comparing Standard Deviations Mean = 15.5 s = 3.338 11 12 13 14 15 16 17 18 19 20 21 11 12 13 14 15 16 17 18 19 20 21 Data B Data A Mean = 15.5 s = .9258 11 12 13 14 15 16 17 18 19 20 21 Mean = 15.5 s = 4.57 Data C It can be seen from above that data sets with same means could have widely different standard deviations depending on the variance from the mean
67.
68. Risk and Return are related Source: Ibbotson Associates, Stocks, Bonds, Bills, and Inflation: 1997 Yearbook Average Annual Return (1926 – 97) Risk Index Small company common stocks 12.7% 33.9% Common stocks in general 11.0% 20.3% Long Term bonds 5.7% 8.7% Treasury bills 3.8% 3.2% Inflation Rate 3.1%
70. Sensex Returns Analysis -1979 to 2004 Equities deliver superior risk adjusted returns over the long term
71. Market Timing is Dangerous… The opportunity loss incurred when attempting to time the market could be exceptionally high Patience and discipline are required to avoid a wrong move Annual Return of Sensex over last 24 years 15.90% 5.54% 0.65% -16.93% -20.00% -15.00% -10.00% -5.00% 0.00% 5.00% 10.00% 15.00% 20.00% Always Invested Missed 10 best Missed 20 best Missed 72 best
72. Rupee Cost Averaging can reduce the risks of investing-buy less when price is high & more when price is low. Period Investment amount Price per Share Qty of Shares Purchased 1 Rs.150 Rs. 75 2 2 Rs.150 Rs.25 6 3 Rs.150 Rs.50 3 Total Cost Rs.450 Average Price Rs.50 Total Shares owned 11 Weighted Average Cost: Rs. 40.91 ( 450 / 11)
91. OPT 4 MORE OPT 4 More is a tool to identify the risk return profile of an individual and suggests investments in a basket of Short term & Hybrid MF Income Plans, Equity MF and sacred assets like Bank FD and GOI bonds to suit each profile.
102. Rupee Cost Averaging An investor would have lost 26% if he made a one time investment in March’00 as compared to the SIP loss of 7.6% Average cost – INR 56.60 In a falling market, SIP results in a better downside Protection
103. Rupee Cost Averaging… In the backdrop of a sharp rally , a SIP may under- perform a single entry strategy for a short period of time. Average cost – INR 78.22
104. Systematic Investment Planning (SIP) The value of INR 1000 invested every month for the last 2 year period in a systematic investments plan in the following equity funds would be….
