Financial planning
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The document discusses various aspects of financial planning including retirement planning, savings, spending, debts, investment choices, cost of living, income, expenses, wealth protection, life and health insurance coverage, children's education and future security, the power of compounding returns, impact of inflation, importance of goals and financial planning products and objectives. It emphasizes starting investments early, having adequate insurance, understanding compounding returns, combating inflation, and seeking help from a financial planner for successful long-term financial planning.
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Financial planning
This document discusses the importance of financial planning and outlines key factors to consider. It recommends planning for tax, retirement, children's education, investment, health insurance, life insurance, and goals. It emphasizes starting investments early to benefit from compounding returns over many years. Later examples show that even with lower returns, starting investments earlier leads to higher overall gains compared to starting later with higher returns. The document stresses having adequate life and health insurance coverage and notes taxes can be saved under Section 80D of India's tax code. It concludes by highlighting the importance of financial planning and guidance from a professional financial planner.
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This document discusses the importance of financial planning and outlines key factors to consider. It recommends having financial plans for taxation, retirement, future expenses, investments, lifestyle costs, savings, health insurance, life insurance, children's education, retirement, and future income. The document emphasizes starting investments early to benefit from compounding returns over many years. It also stresses having adequate life and health insurance coverage that increases with income. The overall message is that financial planning requires understanding goals, inflation, compounding returns, and selecting the right products to achieve a secure financial future.
Financial discipline
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
Start saving early for wealth creation
Lyndon Fernandes is a 23-year-old who lives with his mother and grandmother in Mumbai. He earns around Rs. 4 lakh annually and saves Rs. 2.19 lakh per year through investments. His current net worth is Rs. 6.31 lakh invested across liquid assets, equity funds, and a public provident fund. In the next 10-12 years, his goals are to buy a new house for Rs. 85 lakh and a car for Rs. 7 lakh. The document provides recommendations on adjusting his investments and insurance to better achieve these goals over time, including maintaining sufficient contingency funds and increasing life insurance once married. It emphasizes starting wealth creation early through long-term investments
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Financial planning
This document discusses the importance of financial planning and outlines key factors to consider. It recommends planning for tax, retirement, children's education, investment, health insurance, life insurance, and goals. It emphasizes starting investments early to benefit from compounding returns over many years. Later examples show that even with lower returns, starting investments earlier leads to higher overall gains compared to starting later with higher returns. The document stresses having adequate life and health insurance coverage and notes taxes can be saved under Section 80D of India's tax code. It concludes by highlighting the importance of financial planning and guidance from a professional financial planner.
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This document discusses the importance of financial planning and outlines key factors to consider. It recommends having financial plans for taxation, retirement, future expenses, investments, lifestyle costs, savings, health insurance, life insurance, children's education, retirement, and future income. The document emphasizes starting investments early to benefit from compounding returns over many years. It also stresses having adequate life and health insurance coverage that increases with income. The overall message is that financial planning requires understanding goals, inflation, compounding returns, and selecting the right products to achieve a secure financial future.
Financial discipline
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
Start saving early for wealth creation
Lyndon Fernandes is a 23-year-old who lives with his mother and grandmother in Mumbai. He earns around Rs. 4 lakh annually and saves Rs. 2.19 lakh per year through investments. His current net worth is Rs. 6.31 lakh invested across liquid assets, equity funds, and a public provident fund. In the next 10-12 years, his goals are to buy a new house for Rs. 85 lakh and a car for Rs. 7 lakh. The document provides recommendations on adjusting his investments and insurance to better achieve these goals over time, including maintaining sufficient contingency funds and increasing life insurance once married. It emphasizes starting wealth creation early through long-term investments
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This document provides advice on financial planning. It discusses how people's spending habits have changed from earning, saving, and spending, to earning, spending, and paying monthly installments. It emphasizes the importance of financial planning and having different categories for short, mid, and long-term savings goals. Examples are provided for necessities, discretionary expenses, and long-term goals. The benefits of starting investments early and making regular contributions are shown. Finally, it outlines financial planning steps for different life stages and emphasizes finding the right financial advisor.
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The document discusses various aspects of financial planning such as investing in different instruments like PPF, ELSS, life insurance, and health insurance. It provides examples showing how investments of Rs. 10,000 per year can grow differently depending on the instrument and time period. It stresses the importance of starting investments early to benefit from compounding returns. Other topics covered include maintaining adequate life and health insurance coverage, planning for children's education and retirement, setting financial goals, and working with a financial planner.
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Managing money well is crucial, as it is the only time one has full control over funds. Effective money management involves knowing spending, creating a spending plan, prioritizing savings, automating finances, and using practical savings tips.
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The document discusses key facts about financial planning and investing, including the effects of inflation and compounding returns. It notes that inflation reduces purchasing power over time and that starting to save early allows greater benefit from compounding returns. The document also discusses different asset class returns, with equities providing the highest average returns, and outlines factors to consider when choosing investment options like interest rates, inflation, fees and returns. Overall, the document provides advice from a certified financial planner on how to plan for retirement and investment goals.
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The document discusses several aspects of Chinese culture, including:
1) China has a unique one-child policy implemented by the government to control population growth, which places pressure on families to have a son.
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The document discusses various aspects of financial planning such as investing in different instruments like PPF, ELSS, life insurance, and health insurance. It provides examples showing how investments of Rs. 10,000 per year can grow differently depending on the instrument and time period. It stresses the importance of starting investments early to benefit from compounding returns. Other topics covered include maintaining adequate life and health insurance coverage, planning for children's education and retirement, setting financial goals, and working with a financial planner.
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The document discusses the three aspects of money: make money, manage money, and multiply money.
To make money, one must earn an income through employment, business ownership, or other means. Strategies for making more money include increasing skills and value, expanding one's network, taking on additional work, and placing a high value on one's time.
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This document discusses retirement planning and the different phases of retirement. It outlines common reasons people retire such as health, caregiving responsibilities, or job loss. The planning phase involves preparing financially for retirement over 20-30 years and getting personal affairs in order. The adjusting phase entails developing interests outside of work and adjusting to a new lifestyle and schedule. The enjoyment phase is focused on pursuing hobbies, staying active and using discounts. The settling in phase recognizes that some retirees live actively while others struggle with purpose and health issues in retirement.
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This document discusses financial planning and the importance of saving money. It notes that most people struggle financially because they fail to plan and spend all of their income rather than saving. This leads to a "rat race" where people work hard but have no savings to fall back on. The document recommends building a solid financial foundation by prioritizing healthcare, protection, eliminating debts, emergency funds, and investments in order to become financially independent and secure. It emphasizes the importance of having a savings formula where income minus expenses equals savings.
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Personal finance involves managing monetary decisions and budgeting over time. It is important for both men and women, yet the financial industry primarily focuses on men. There are gender differences in attitudes towards and use of financial products, with women being more cautious. It is important for women to gain financial knowledge and skills to better manage their finances and build wealth. Several successful women in personal finance were discussed, including Suze Orman, Emma Johnson, and Monika Halan, who provide advice and advocate for greater financial inclusion of women. The document also provides tips on creating a budget and the roles of women in personal finance.
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The document discusses key facts about financial planning and investing, including the effects of inflation and compounding returns. It notes that inflation reduces purchasing power over time and that starting to save early allows greater benefit from compounding returns. The document also discusses different asset class returns, with equities providing the highest average returns, and outlines factors to consider when choosing investment options like interest rates, inflation, fees and returns. Overall, the document provides advice from a certified financial planner on how to plan for retirement and investment goals.
Ofw guide in investing for newbies
This document provides an introduction to investing for overseas Filipino workers. It discusses why investing is important for OFWs to make their money work for them rather than just saving. It outlines some prerequisites for investing like an emergency fund. It then describes some investment opportunities for OFWs, including mutual funds, stocks, insurance policies with investment components, and bank unit investment trust funds. It provides examples of popular mutual funds and companies to invest in. It emphasizes the importance of investing regularly and being willing to take some risks to achieve higher returns than just saving in a bank. The document is intended to give OFWs a basic overview of investing options.
KIDS FINANCIAL NETWORKS
This 3 sentence summary provides the key details about the basic financial literacy program described in the document:
The program aims to teach basic financial concepts to kids and teens through a short-term interactive educational course to empower them to be responsible and live problem-free lives, covering topics such as money, banking, savings, taxes, investment, insurance and personal finance.
The Pinoy Financial Planning Guide Book 1
The document provides guidance on creating a personal financial plan in 3 parts: assessing one's current financial situation, setting life goals and vision for the future, and developing a strategy to achieve those goals. It outlines steps like computing one's net worth, reviewing income/expenses, creating a budget, defining goals, and establishing 3 portfolios (current needs, future needs, protection) to organize savings and investments. The overall message is that financial planning helps ensure one has sufficient resources to fully experience life and accomplish all life goals.
Are You Saving or Are You Investing?
Many people often misconstrue savings with investments. But let us tell you that there is indeed a difference between the two. Merely putting aside money under the mattress, or in a vault, bank locker or savings bank account after meeting your expenses and liabilities may not mean that money works for you. In times where the inflation bug is eating into your earnings, you need to move a step forward and invest. More importantly, invest wisely! By now many of you may have realized that there is indeed a difference between saving and investing. So let’s delve a little deeper and understand the difference between the two…which can help us march forward in our journey of wealth creation.
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The document provides advice for personal financial planning for overseas Filipino workers (OFWs). It discusses how OFWs work abroad primarily to support their families but often cannot return home due to a lack of savings. It recommends that OFWs set financial goals, become debt-free, follow the cash management rule of paying themselves first through regular savings, invest their savings wisely according to risk tolerance, and form savings groups to help achieve their financial goals so they can eventually return home to their families.
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rravindrakumar@gmail.com
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Invest Online in Top Systematic Investment plans through RR FINANCE.IN. Online SIP is a method of investment planning of fixed sum. Plan today to be rich tomorrow with our Best SIP investment plans.
11 november 2013
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.
Financial awareness presentation ahmedabad meet
Thank you for sharing your insights on personal financial planning. Financial well-being is important for living a secure and fulfilling life.
Living Debt Free and Truly Wealthy By Bill Constain
This document provides an overview of strategies to help families achieve financial goals such as reducing debt, growing savings, ensuring safety of principal, minimizing taxes, and having liquid assets. It discusses how traditional financial planning advice is no longer sufficient given today's economic environment. Common concerns families have around finances are identified. The document then introduces two concepts - smart debt management and breaking away from the tax trap - to help families better manage their money. It argues that qualified retirement plans subject savings to high taxes and market risk, whereas alternative strategies could provide tax-free income and eliminate risk of loss. The document promotes meeting with a financial advisor to discuss how these concepts could be applied to an individual's specific situation.
Financial planning
The document provides information on financial planning across different life stages in 4 steps:
1) Analyzing current financial status, 2) Setting financial goals, 3) Developing a plan to achieve goals, and 4) Regularly reviewing progress. It emphasizes the importance of starting financial planning early to benefit from compounding returns over time. Various strategies are outlined for savings, investment, risk management, taxation, and retirement planning to work towards financial independence.
Time is money when it comes to retirement planning converted
Are you NRIs Want to Know How How to retire rich? Here is a guide about why Time IS Money When it Comes to Retirement Planning.
Financial Life Planning for you
The document is a presentation by AskY Financial Services about financial planning. Some key points:
- 12.3 million people are stressed about their finances and have trouble sleeping. 80% worry about running out of money.
- A financial plan can help achieve goals like retiring with 4.25 crores by investing Rs. 7,700 per month instead of Rs. 15,800 per month without a plan.
- Choosing the right asset allocation can provide 15 lacs more for education goals.
- Small decisions like investing savings of Rs. 4 lacs in FDs instead of keeping in a savings account provides 1.2 lacs more return.
- Having adequate term insurance instead of multiple
Investment Class Ppt
Your Opportunity is Knocking... take advantage of the real estate downturn. Learn ways to invest in real estate as a cornerstone to your financial future.
Planning for child future
Becoming a parent is one of life's most rewarding experiences. As a parent, you want to ensure your child's dreams and future are supported. However, rising education costs mean savings may not cover goals as envisioned. Prudent financial planning is needed.
The first step is defining goals like education stages and marriage. Next, calculate costs considering inflation, years until goal, and required future amounts. Asset allocation, where investments are distributed among equity, debt and gold based on time horizon, can help balance risk and returns to achieve goals. Term insurance also protects the family. With disciplined investing and periodic rebalancing as time horizons shrink, goals like education can be achieved.
Financial freedom by Hareepatti
The document discusses the importance of establishing relationships between money and time in order to create wealth. It emphasizes starting investments early and maintaining discipline through regular investments. Procrastinating is discouraged as it can lead to significant losses over time. Creating a budget and tracking expenses is presented as important for financial management and prioritizing savings over spending. The document provides advice for setting financial goals and engaging in estate planning.
Financial freedom by Hareepatti
The document discusses the importance of establishing relationships between money and time in order to create wealth. It emphasizes starting investments early and maintaining discipline through regular investments. Procrastinating is discouraged as it can lead to significant losses over time due to compound interest and missed opportunities. Goals, budgets, savings habits, and risk planning are presented as key aspects of financial management.
Api
Affordable Property Investments helps people grow their wealth through property investment. It is owned by Rohan Birmingham, who has experience in property development and management. The company's goal is to create a network of experienced property investors and professionals to provide services like research, education, financing and management to help members invest successfully in properties for long-term capital growth and cash flow.
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3 Direction: Practical Application Of Financial Literacy Using ESBI
3 Direction: Practical Application Of Financial Literacy Using ESBI
Living Debt Free and Truly Wealthy By Bill Constain
Living Debt Free and Truly Wealthy By Bill Constain
Time is money when it comes to retirement planning converted
Time is money when it comes to retirement planning converted
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This document compares and contrasts equity funds, debt funds, direct equity investment, and fixed deposits. It discusses the key differences between equity and debt in terms of ownership, tenure, risk, and reward. It also provides examples of different types of equity and debt mutual funds and their investment objectives. The document outlines benefits of equity funds like small capital requirements, diversification, professional management, and the power of compounding returns. It contrasts direct equity and equity funds in terms of requirements and management. Finally, it compares debt funds to fixed deposits in terms of returns, liquidity, interest rate sensitivity, and risk level.
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This document proposes an annuity plan from Birla Sunlife insurance for the client. It includes details of the premium amounts for two plan options with a sum assured of Rs. 25 lacs and premium terms of 22 years. It also describes the key features of the plan such as a life cover until age 100, waiver of premium if incapacitated, and a maturity benefit after 22 years. Additionally, it discusses the importance of financial planning and lists seven habits of ineffective investors. It prompts the client to self-reflect on their financial planning and provides a link for maXpertz Wealth Managers for financial planning solutions.
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This document proposes an annuity plan from Birla Sunlife Insurance for retirement planning, children's future, and family financial security. The key details are a sum assured of Rs 50 lacs, life cover up to 100 years, a monthly premium of Rs 21,575 for 22 years, and an approximate maturity benefit after 22 years of Rs 1,55,25,000. The plan offers waiver of premium if the policyholder becomes incapacitated, and passes the policy benefits to nominees. It also discusses ineffective financial habits and poses self-assessment questions on savings, spending, debts, retirement, and having a clear financial plan. maXpertz Wealth Managers are proposed for financial planning solutions.
Future planning.ppt
Future planning requires considering rising costs of living and inflation. The document discusses how assuming an annual inflation rate of 12%, expenses that cost Rs. 20,000 per month currently would equate to Rs. 1,92,000 after 20 years to maintain the same standard of living. It emphasizes starting health and life insurance coverage early to cover increasing risks. It outlines seven habits of ineffective investors like not saving regularly or planning investments. The document provides self-assessment questions on spending, savings, debts, and financial planning and introduces maXpertz Wealth Managers for financial planning solutions.
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Financial planning
- 3. Child future planning Pretirement/ Retirement Retirement planning planning Life planning Financial Investment Planning planning
- 4. • Am I saving? Savings • Am I saving enough? •Am I spending the Spending right way? •Can I optimize it? • Excess Debts debts/EMIs? • Can I restructure them? • Do I have specific Plans plans? • Do I have goals?
- 5. Investment Cost of living Choices “X” factors Financial Planning
- 17. Sugar a Kg Rice a Kg Now – Rs 35. Now – Rs 40. After 20 After 20 years Rs 340. years Rs 395. Dal a Kg Milk a Ltr Now – Rs 90. Now – Rs 24. After 20 After 20 years Rs 975. years Rs 235. Rate of inflation for the essentials assumed at 12% PA. These prices provide an indicative view of the future.
- 18. Income Expenses
- 19. Wealth Life Cover Health Cover
- 20. An individual should have enough cover ; at least 5 to 10 times of current income. As he/she climbs up the income levels, cover should be proportionately raised. Remember, you should be covered for the whole of your life and not only a part of it.
- 24. • Child’s education. Children • Child’s future. • Financial security. Security • Life and health cover. • Plan for retirement. Future • Plan for regular income.
- 27. Mr. Responsible @ 35 years invests Mr. Cautious Mr. Fun @ 40 @ 30 years years invests invests Rs 1 Lac @ 15%
- 28. Mr. Cautious accumulates Rs 16.37 lacs. Mr. Responsible accumulates Rs. 8.14 lacs. Mr. Fun accumulates Rs. 4.05 lacs. START EARLY, Power of compounding is @ work very silently… Mr Cautious just by starting early has multiplied his money….
- 30. Mr. Responsible @ 35 years invests @ 15% Mr. Cautious Mr. Fun @ 40 @ 30 years years invests invests @ @ 18% 12% Rs 1 Lac
- 31. Mr. Cautious accumulates Rs 9.65 lacs @ 12% in 20 years. Mr. Responsible accumulates Rs. 8.14 lacs @ 15% in 15 years. Mr. Fun accumulates Rs. 5.23 lacs @ 18% in 10 years. Moral of the story: START EARLY even @ lower returns, power of compounding is @ work very very silently.. Mr. Fun started investing at 40 years @ 18% but still fell short of the other two.
- 32. Products Objectives Goals
- 35. Don’t leave money in the bank a/c which earns just about 4%.. Value of money melts in a bank.
- 36. Have a monthly saving plan through EMI…
- 37. Having ample life insurance is vital to one’s financial security …
- 38. It’s important to understand the power of compounding which is working very silently…
- 39. Inflation is a monster, which can swallow the hard earned money…
- 40. Specific, measurable, attainable, relevant and timed goals for successful financial future…
- 41. Financial planning is all about knowledge… Hence the importance of a financial planner…
- 43. Gopalakrishnan V • Financial Planning Coach. • Founder and CEO ` Money Avenues +91 9 55 11 55 11 6 • gopal@moneyavenues.in