Why should we prepare a Financial Plan? It helps us to know where we stand currently It helps us to determine our destination It provides options on how to reach there. It helps us know what is possible and what is not!

1. PPFAS Asset Management Private Limited
www.amc.ppfas.com
[Investment Manager to PPFAS Mutual Fund]
Investor Education Initiative
From PPFAS Mutual Fund
Financial
Planning
and
Asset
Allocation

2. PPFAS Mutual Fund Investor Education Initiative
www.amc.ppfas.com
Page 1 of 2
Financial Planning and Asset Allocation
How should we plan?
1.Listoutyourfinancialgoals,timeperiodforeachgoal,yourpresentassetsandliabilitiesetc.
2.Listoutassumptionsofinvestmentreturns,growthinincomeetc.
3. Calculate whether all your goals can be met, and it not, determine which goal is more
important
4.Reviewitperiodically.
5.OutsourcethisactivitytoaFinancialPlanner,ifyoufinditdifficultortimeconsuming.
Why should we prepare a Financial Plan?
þIt helps us to know where we stand currently
þIt helps us to determine our destination
þIt provides options on how to reach there.
þIt helps us know what is possible and what is not. !
GoalSetting
DataGathering
PlanPreparation
PlanImplementation
PlanReview
CourseCorrectionsFinancial Planning

3. PPFAS Mutual Fund Investor Education Initiative
www.amc.ppfas.com
Page 2 of 2
Financial Planning and Asset Allocation
Asset Allocation involves spreading your investments across
various financial asset classes
Steps to Financial Freedom
AssetAllocationinvolvesspreadingyourinvestmentsacrossvariousfinancialassetclassessuch
asfixeddeposits,equities,realestate,goldetc.intherightproportion!
Why this is desirable :
1.Ithelpstoreducerisk,asdifferentassetsusuallyperformdifferentlyatthesamepointintime.
2.Itpreventsusfromgettingundulyworriedorecstatic.
3.Itbringsaboutbalanceinourfinanciallife.
Cash Flow
Management
Risk
Management
Asset
Allocation
Tax
Planning
Estate
Planning
Performance of Asset Classes since 2008
2008
2009
2010
2011
2012
-60% -40% -20% 0 20% 40% 60% 80%
-51.84%
71.46%
17.25%
-24.90%
27.35%
5.79%
9.07%
4.68%
5.36%
8.71%
26.15%
22.63%
22.75%
31.04%
12.20%
Stocks Debt (Income funds category average) Gold

4. PPFAS Long Term Value Fund
(An Open Ended Equity Scheme)
A scheme designed for genuine
Long Term Investors!
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