A self guide towards financial planning. We ourselves can manage our finances, so here comes phase-1 describing about few topics. Stay tuned for the remaining topics in phase-2.
Financial Planning - Helping You Sail Successfully into the FutureFrank Wiginton
This is a short e-book I wrote to help dispel some of the myths about financial planning and educate the public on what financial planning really is and what it can do and provide.
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/".
Planning is bringing the future into the present, so that you can do something about it now. Wise money management can take a lot of worry out of your life.
Know some amazing and important Financial planning tips.
Financial Planning - Helping You Sail Successfully into the FutureFrank Wiginton
This is a short e-book I wrote to help dispel some of the myths about financial planning and educate the public on what financial planning really is and what it can do and provide.
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/".
Planning is bringing the future into the present, so that you can do something about it now. Wise money management can take a lot of worry out of your life.
Know some amazing and important Financial planning tips.
From the Oklahoma law firm Cazes Roberts, PC:
A concise yet practical review of what Oklahoma estate planning is, why some would want to do Oklahoma Estate Planning and the tools used in Oklahoma Estate Planning.
This document is an attempt to create financial literacy among salaried professionals who have begun their professional career. The intent of the document is to emphasize financial planning and create awareness about various asset classes. The sample financial plan is also available in excel format for you to experiment your financial needs. If your are interested in the excel based plan, please send an email to me.
Should you need any clarification/help, just send an email.
Happy learning!
Personal Financial planning & ManagementAshish Ongari
Personal finance is the financial management which an individual or a family unit performs to budget, save, and spend monetary resources over time, taking into account various financial risks and future life events.
Financial planning is for everyone. If you're like most people, financial planning might seem very complicated and confusing, and you might not know where to start. However, here are some ideas to help you get started.
Financial Planning is a long term process through which you can achieve your financial goals. We at Financial Hospital bring to you a presentation to help you understand the basics of having a healthy and planned financial future.
Financial planning
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ...
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ... SEBI
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ...
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ...
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ...
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ...
Financial Planning: Building Your Wealth - webinarG&A Partners
How important is your financial security? The stock market has been improving since March, but where is it headed next?
As unemployment continues to grow and traditional methods of financing are becoming strained, join us as we take a look at the importance of Financial Planning. This webinar will walk you through the process of identifying and prioritizing your personal and business goals in order to implement a dynamic plan that will give you peace of mind.
From the Oklahoma law firm Cazes Roberts, PC:
A concise yet practical review of what Oklahoma estate planning is, why some would want to do Oklahoma Estate Planning and the tools used in Oklahoma Estate Planning.
This document is an attempt to create financial literacy among salaried professionals who have begun their professional career. The intent of the document is to emphasize financial planning and create awareness about various asset classes. The sample financial plan is also available in excel format for you to experiment your financial needs. If your are interested in the excel based plan, please send an email to me.
Should you need any clarification/help, just send an email.
Happy learning!
Personal Financial planning & ManagementAshish Ongari
Personal finance is the financial management which an individual or a family unit performs to budget, save, and spend monetary resources over time, taking into account various financial risks and future life events.
Financial planning is for everyone. If you're like most people, financial planning might seem very complicated and confusing, and you might not know where to start. However, here are some ideas to help you get started.
Financial Planning is a long term process through which you can achieve your financial goals. We at Financial Hospital bring to you a presentation to help you understand the basics of having a healthy and planned financial future.
Financial planning
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ...
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ... SEBI
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ...
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ...
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ...
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ...
Financial Planning: Building Your Wealth - webinarG&A Partners
How important is your financial security? The stock market has been improving since March, but where is it headed next?
As unemployment continues to grow and traditional methods of financing are becoming strained, join us as we take a look at the importance of Financial Planning. This webinar will walk you through the process of identifying and prioritizing your personal and business goals in order to implement a dynamic plan that will give you peace of mind.
3 Step Digitial Marketing Strategy For 2017Jamesbanks.co
Learn the fundamentals of how to implement a modern digital marketing strategy designed attract, engage and convert more ideal customers in 2016. Understand the do’s and don’ts of Google’s best practices for the web, and how these best practices should influence your website and digital marketing strategy. Take away practical tactics and tools that you can implement to propel your business forward in 2017.
Stay tuned for video and blog content to come.
6 thinking hats in change management #2Timothy Wooi
Six Thinking Hats is a simple, effective parallel thinking process that helps people be more productive, focused, and mindfully involved.
Day2
Leading & Managing Change
Leading Change with success
Workshop-Reflection
Six Hats in Innovation &
Creativity
Summary & debrief
3 Things Every Sales Team Needs to Be Thinking About in 2017Drift
Thinking about your sales team's goals for 2017? Drift's VP of Sales shares 3 things you can do to improve conversion rates and drive more revenue.
Read the full story on the Drift blog here: http://blog.drift.com/sales-team-tips
If you are between 25- 45 yrs. of Age,Working & Serious about achieving success in your Financial Future, here are some guidelines.......... which can help you.
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.
I am glad that our small quarterly magazine "Life-A Promise" has published on time. The extraordinary achievements of the children always motivated me. I am proud to be able to highlight the achievements of some of the children of Shillong in this issue.. Everbloom K. Nongrum, Miss Bipasha Dhar, Master Arman Sharma, Master Saruya Kanuar, Miss Debashmita Chakraborty these five little children has done extraordinary jobs in their respective field. This issue is the witness of their achievements. Our Best Wishes to these little kids. Gopinath Sir's wonderful article is like a gift to us. We must read again and again "Why Discipline savings is always ahead than financial intelligence". With your good wishes and love, I will go ahead with something new again. Thank you
I am glad that our small quarterly magazine "Life-A Promise" has published on time. The extraordinary achievements of the children always motivated me. I am proud to be able to highlight the achievements of some of the children of Shillong in this issue.. Everbloom K. Nongrum, Miss Bipasha Dhar, Master Arman Sharma, Master Saruya Kanuar, Miss Debashmita Chakraborty these five little children has done extraordinary jobs in their respective field. This issue is the witness of their achievements. Our Best Wishes to these little kids. Gopinath Sir's wonderful article is like a gift to us. We must read again and again "Why Discipline savings is always ahead than financial intelligence". With your good wishes and love, I will go ahead with something new again. Thank you all.
am glad that our small quarterly magazine "Life-A Promise" has published on time. The extraordinary achievements of the children always motivated me. I am proud to be able to highlight the achievements of some of the children of Shillong in this issue.. Everbloom K. Nongrum, Miss Bipasha Dhar, Master Arman Sharma, Master Saruya Kanuar, Miss Debashmita Chakraborty these five little children has done extraordinary jobs in their respective field. This issue is the witness of their achievements. Our Best Wishes to these little kids. Gopinath Sir's wonderful article is like a gift to us. We must read again and again "Why Discipline savings is always ahead than financial intelligence". With your good wishes and love, I will go ahead with something new again. Thank you.
This paper assesses the feasibility of launching a Micro Saving and Lending(MSL) product by CBE. It found that launching a Micro Saving and Lending(MSL)product is feasible due to the low status of, and high demand for banking digitally in Ethiopia. Micro Saving and Lending(MSL) is a mobile based banking service going to be provided by CBE through CBE Birr. It has banking products that provide convenience, reliability and cost-effective for making micro-saving and taking micro loans. The target customers for this service are all CBE Birr customers. The services provided by MSL are deposit, withdrawal, loan request, loan repayment, balance enquiry, and mini statement.
The following four major business drivers for the introduction of MSL banking service are there. First, CBE has introduced a new customer-centric business model and organizational structure to provide effective service based on customer segment and demand. Second, the National Digital 2025 plan emphasizes the significance of nurturing the small but promising existing ecosystem of digitally enabled society. Third, the internet user ratio of the Ethiopian population is increasing with very high rate, data show that Ethiopia’s internet user population increased by 731 (+2.5 percent) between 2021 and 2022. Fourth, larger part of the Ethiopian society is unbanked and new technologies such as mobile wallet could boost financial inclusion. Finally, the area of banking completion has been through the digital banking.
As per different research finding digital banking is gaining maximum popularity and the banking competition in this area is reaching its toughest stage. Commercial banks, the Cooperative Bank of Oromia, Fin-techs, and Telecommunication companies are getting into the business and are becoming potential competitors. This assessment it has tried to recommend for launching a digital micro saving and lending services and products for the bank’s CBE Birr customers by implementing the best risk-mitigating mechanism with open credit scoring mechanisms, cash flow-based loaning, and psychometric testing method.
CBE has the motivating potential and capabilities to establish the digital saving and lending services effectively, efficiently, and sufficiently. Firstly, it accounts for nearly 50% of the total assets and market share of the banking system and follows a customer-centric service delivery strategy which could help to provide digital micro saving and lending service. Secondly, the NBE National Financial Inclusion Strategy II, (2021-2025), has the vision to create a financially inclusive Ethiopia, which helps to get regulators’ support. Thirdly, it is forming partnerships with different international and domestic (public, development, and government) organizations to improve its capacity to manage the program.
Indeed, CBE should allocate a significant percentage of its asset to start the digital micro saving and lending service to improve its credit portfolio diversification, ex
Digital 2022: Ethiopia
This page contains all the data, insights, and trends you need to help you understand how people in Ethiopia use connected devices and services in 2022.
You’ll find our complete Digital 2022 report on Ethiopia in the “full report” section below, but let’s start by taking a look at the essential headlines for digital adoption and use in Ethiopia this year.
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Ethiopia’s population in 2022
Ethiopia’s total population was 119.3 million in January 2022.
Data show that Ethiopia’s population increased by 2.9 million (+2.5 percent) between 2021 and 2022.
50.0 percent of Ethiopia’s population is female, while 50.0 percent of the population is male.
At the start of 2022, 22.7 percent of Ethiopia’s population lived in urban centres, while 77.3 percent lived in rural areas.
Note: gender data are currently only available for “female” and “male”.
Ethiopia’s population by age
The median age of the population in Ethiopia is 19.9.
For additional context, here’s a look at how the population in Ethiopia breaks down by age group:
• 14.3 percent of Ethiopia’s population is between the ages of 0 and 4.
• 20.3 percent of Ethiopia’s population is between the ages of 5 and 12.
• 11.3 percent of Ethiopia’s population is between the ages of 13 and 17.
• 14.5 percent of Ethiopia’s population is between the ages of 18 and 24.
• 15.5 percent of Ethiopia’s population is between the ages of 25 and 34.
• 10.0 percent of Ethiopia’s population is between the ages of 35 and 44.
• 6.5 percent of Ethiopia’s population is between the ages of 45 and 54.
• 4.0 percent of Ethiopia’s population is between the ages of 55 and 64.
• 3.6 percent of Ethiopia’s population is aged 65 and above.
Note: percentages may not sum to 100 percent due to rounding.
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Internet use in Ethiopia in 2022
There were 29.83 million internet users in Ethiopia in January 2022.
Ethiopia’s internet penetration rate stood at 25.0 percent of the total population at the start of 2022.
Kepios analysis indicates that internet users in Ethiopia increased by 731 thousand (+2.5 percent) between 2021 and 2022.
For perspective, these user figures reveal that 89.50 million people in Ethiopia did not use the internet at the start of 2022, meaning that 75.0 percent of the population remained offline at the beginning of the year.
However, issues relating to COVID-19 continue to impact research into internet adoption, so actual internet user figures may be higher than these published numbers suggest (see here for further details).
For the latest insights into internet adoption and use around the world, follow our regular Global Statshot reports.
Go global: see how Ethiopia’s current “state of digital” compares with connectivity in other countries by reading our flagship Digital 2022 Global Overview Report, which includes hundreds of slides of global digital data, and our in-depth analysis of what these numbers might mean for you.
Internet connection speeds in Ethiopia in 2022
Data
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
NO1 Uk Divorce problem uk all amil baba in karachi,lahore,pakistan talaq ka m...Amil Baba Dawood bangali
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
3. DISCLAIMER
With the prior permission of the author Mr. Manish Chauhan,
contents of his book “How To Be Your Own Financial Planner
in 10 Steps” are included / used / referenced in this presentation.
So, this presentation doesn’t violate rules of Copyrights Act as
mentioned in the book by the author himself.
Also, by any means this presentation isn’t meant to harm anyone’s
sentiments, financial policies or any other term/field of
financial sector. Unconditional apologies.
Financial Planning
4. Sorry, but initially i want you to
think a little…..
Things will be easier later on,
Financial Planning
15. If you take Financial Planning as:
• Centralized with money,
• Practical Decision System,
• Emotionless Decision Making Power and,
• Quick Money Making System
Financial Planning
16. If you take Financial Planning as:
• Centralized with money,
• Practical Decision System,
• Emotionless Decision Making Power and,
• Quick Money Making System
Financial Planning
17. If you take Financial Planning as:
• Centralized with money,
• Practical Decision System,
• Emotionless Decision Making Power and,
• Quick Money Making System
Financial Planning
18. If you take Financial Planning as:
• Centralized with money,
• Practical Decision System,
• Emotionless Decision Making Power and,
• Quick Money Making System
Financial Planning
19. If you take Financial Planning as:
• Centralized with money,
• Practical Decision System,
• Emotionless Decision Making Power and,
• Quick Money Making System
Financial Planning
20. If you take Financial Planning as:
• Centralized with money,
• Practical Decision System,
• Emotionless Decision Making Power and,
• Quick Money Making System
Financial Planning
21. If you take Financial Planning as:
• Centralized with money,
EXCEPT THIS
• Practical Decision System,
• Emotionless Decision Making Power and,
• Quick Money Making System
Financial Planning
22. Chapter – 1 of 5
Ease Yourself
Let’s Build a Thought Process Now…
Financial Planning
23. Few Terms First….. (Slide 1/2)
Surrender Value (term 1/3): It is the worth of Life Insurance Policy
at a given point of time. It is the amount you get
when you surrender the policy before maturity.
Paid up Policy (term 2/3): It means you to not fill premiums any more.
If you don’t want to surrender policy and also don’t want
to give premiums, then make it a paid up policy. It can
be done only if you filled some previous premiums.
Financial Planning
24. Few Terms First….. (Slide 2/2)
Bonus (term 3/3): Many traditional policies announce yearly bonus
which keeps on accumulating and given to you at the
end of maturity.
Financial Planning
25. Optimizing LIPs (Life Insurance Policies)
Preliminary Thought
Don’t fool others by saying:
i don’t take Life policies for investments
it’s ONLY becoz I want my family security
Financial Planning
26. Optimizing LIPs (Life Insurance Policies)
Preliminary Thought
Don’t fool others by saying:
i don’t take Life policies for investments
it’s ONLY becoz I want my family security
Financial Planning
27. Optimizing LIPs (Life Insurance Policies)
Preliminary Thought
Don’t fool others by saying:
i don’t take Life policies for investments
it’s ONLY becoz I want my family security
Financial Planning
28. Optimizing LIPs (Life Insurance Policies)
1. Don’t go for many no. of Life Insurance Policies
ADVANTAGES YOU ASK ?
• Manage less no. Of policies
• Keep less documents
• BIGGEST ADVANTAGE COMES NOW:
o If death kisses you someday (this is not advantage)
….. Your family should not face hardships in claiming
from all those many policies…..
Financial Planning
29. Optimizing LIPs (Life Insurance Policies)
1. Don’t go for many no. of Life Insurance Policies
ADVANTAGES YOU ASK ?
• Manage less no. Of policies
• Keep less documents
• BIGGEST ADVANTAGE COMES NOW:
o If death kisses you someday (this is not advantage)
….. Your family should not face hardships in claiming
from all those many policies…..
Financial Planning
30. Optimizing LIPs (Life Insurance Policies)
1. Don’t go for many no. of Life Insurance Policies
ADVANTAGES YOU ASK ?
• Manage less no. Of policies
• Keep less documents
• BIGGEST ADVANTAGE COMES NOW:
o If death kisses you someday (this is not advantage)
….. Your family should not face hardships in claiming
from all those many policies…..
Financial Planning
31. Optimizing LIPs (Life Insurance Policies)
1. Don’t go for many no. of Life Insurance Policies
ADVANTAGES YOU ASK ?
• Manage less no. Of policies
• Keep less documents
• BIGGEST ADVANTAGE COMES NOW:
o If death kisses you someday (this is not advantage)
….. Your family should not face hardships in claiming
from all those many policies…..
Financial Planning
32. Optimizing LIPs (Life Insurance Policies)
1. Don’t go for many no. of Life Insurance Policies
ADVANTAGES YOU ASK ?
• Manage less no. Of policies
• Keep less documents
• BIGGEST ADVANTAGE COMES NOW:
o If death kisses you someday (this is not advantage)
….. Your family should not face hardships in claiming
from all those many policies…..
Financial Planning
33. Optimizing LIPs (Life Insurance Policies)
1. Don’t go for many no. of Life Insurance Policies
ADVANTAGES YOU ASK ?
• Manage less no. Of policies
• Keep less documents
• BIGGEST ADVANTAGE COMES NOW:
o If death kisses you someday (which is not an advantage)
….. Your family should not face hardships in claiming
from all those many policies…..
Financial Planning
34. 1-2 Life Insurance Policies equivalent to 10-20
Focus on life cover amount, not on number of policies
Clean Life Insurance Portfolio
Stop low maturity value policies
Stop filling premiums for them
Trust me, its not a loss
It’s a step towards profit in Life cover
Take term plans and LIP. THAT’S IT.
Divide the premium for term and LIP
Trust me, its not a loss
It’s a step towards profit
Financial Planning
35. 1-2 Life Insurance Policies equivalent to 10-20
Focus on life cover amount, not on number of policies
Clean Life Insurance Portfolio
Stop low maturity value policies
Stop filling premiums for them
Trust me, its not a loss
It’s a step towards profit in Life cover
Take term plans and LIP. THAT’S IT.
Divide the premium for term and LIP
Trust me, its not a loss
It’s a step towards profit
Financial Planning
36. 1-2 Life Insurance Policies equivalent to 10-20
Focus on life cover amount, not on number of policies
Clean Life Insurance Portfolio
Stop low maturity value policies
Stop filling premiums for them
Trust me, its not a loss
It’s a step towards profit in Life cover
Take term plans and LIP. THAT’S IT.
Divide the premium for term and LIP
Trust me, its not a loss
It’s a step towards profit
Financial Planning
37. 1-2 Life Insurance Policies equivalent to 10-20
Focus on life cover amount, not on number of policies
Clean Life Insurance Portfolio
Stop low maturity value policies
Stop filling premiums for them
Trust me, its not a loss
It’s a step towards profit in Life cover
Take term plans and LIP. THAT’S IT.
Divide the premium for term and LIP
Trust me, its not a loss
It’s a step towards profit
Financial Planning
38. 1-2 Life Insurance Policies equivalent to 10-20
Focus on life cover amount, not on number of policies
Clean Life Insurance Portfolio
Stop low maturity value policies
Stop filling premiums for them
Trust me, its not a loss
It’s a step towards profit in Life cover
Take term plans and LIP. THAT’S IT.
Divide the premium for term and LIP
Trust me, its not a loss
It’s a step towards profit
Financial Planning
39. 1-2 Life Insurance Policies equivalent to 10-20
Focus on life cover amount, not on number of policies
Clean Life Insurance Portfolio
Stop low maturity value policies
Stop filling premiums for them
Trust me, its not a loss
It’s a step towards profit in Life cover
Take term plans and LIP. THAT’S IT.
Divide the premium for term and LIP
Trust me, its not a loss
It’s a step towards profit
Financial Planning
40. 1-2 Life Insurance Policies equivalent to 10-20
Focus on life cover amount, not on number of policies
Clean Life Insurance Portfolio
Stop low maturity value policies
Stop filling premiums for them
Trust me, its not a loss
It’s a step towards profit in Life cover
Take term plans and LIP. THAT’S IT.
Divide the premium for term and LIP
Trust me, its not a loss
It’s a step towards profit
Financial Planning
41. 1-2 Life Insurance Policies equivalent to 10-20
Focus on life cover amount, not on number of policies
Clean Life Insurance Portfolio
Stop low maturity value policies
Stop filling premiums for them
Trust me, its not a loss
It’s a step towards profit in Life cover
Take term plans and LIP. THAT’S IT.
Divide the premium for term and LIP
Trust me, its not a loss
It’s a step towards profit
Financial Planning
42. Points to Ponder
• Surrender the policies which provide low life cover
• Start a new one with high cover value
• REMEMBER: Don’t bother much for biggest cover
•REMEMBER: Amount 10,00,000 = 15,00,000
•REMEMBER: Amount 20,00,000 = 25,00,000
• One High Life Cover = Lots of Small-Small Covers
• An example may lengthen the topic, Let me know if you want one…..
Financial Planning
43. Points to Ponder
• Surrender the policies which provide low life cover
• Start a new one with high cover value
• REMEMBER: Don’t bother much for biggest cover
•REMEMBER: Amount 10,00,000 = 15,00,000
•REMEMBER: Amount 20,00,000 = 25,00,000
• One High Life Cover = Lots of Small-Small Covers
• An example may lengthen the topic, Let me know if you want one…..
Financial Planning
44. Points to Ponder
• Surrender the policies which provide low life cover
• Start a new one with high cover value
• REMEMBER: Don’t bother much for biggest cover
•REMEMBER: Amount 10,00,000 = 15,00,000
•REMEMBER: Amount 20,00,000 = 25,00,000
• One High Life Cover = Lots of Small-Small Covers
• An example may lengthen the topic, Let me know if you want one…..
Financial Planning
45. Points to Ponder
• Surrender the policies which provide low life cover
• Start a new one with high cover value
• REMEMBER: Don’t bother much for biggest cover
•REMEMBER: Amount 10,00,000 = 15,00,000
•REMEMBER: Amount 20,00,000 = 25,00,000
• One High Life Cover = Lots of Small-Small Covers
• An example may lengthen the topic, Let me know if you want one…..
Financial Planning
46. Points to Ponder
• Surrender the policies which provide low life cover
• Start a new one with high cover value
• REMEMBER: Don’t bother much for biggest cover
•REMEMBER: Amount 10,00,000 = 15,00,000
•REMEMBER: Amount 20,00,000 = 25,00,000
• One High Life Cover = Lots of Small-Small Covers
• An example may lengthen the topic, Let me know if you want one…..
Financial Planning
47. Points to Ponder
• Surrender the policies which provide low life cover
• Start a new one with high cover value
• REMEMBER: Don’t bother much for biggest cover
•REMEMBER: Amount 10,00,000 = 15,00,000
•REMEMBER: Amount 20,00,000 = 25,00,000
• One High Life Cover = Lots of Small-Small Covers
Financial Planning
48. Repeat With Me…..
Dump The Small Policies
+
Take Term Insurance Plans
+
Use Fixed Deposits
Financial Planning
49. Repeat With Me…..
Dump The Small Policies
+
Take Term Insurance Plans
+
Use Fixed Deposits
Financial Planning
50. Repeat With Me…..
Dump The Small Policies
+
Take Term Insurance Plans
+
Use Fixed Deposits
Financial Planning
52. Life Insurance + Term Policy
(What’s the Big Deal?)
Financial Planning
53. Life Insurance + Term Policy
(What’s the Big Deal?)
Let’s bring an example here:
Financial Planning
54. Let’s say you have Rs. 40,000/yr to invest.
JUST Rs. 40,000 per year
• Don’t worry,
• It’s a normal, simple and low amount
• You can afford it easily
Financial Planning
55. Let’s say you have Rs. 40,000/yr to invest.
JUST Rs. 40,000 per year
• Don’t worry,
• It’s a normal, simple and low amount
• You can afford it easily
Financial Planning
56. Let’s say you have Rs. 40,000/yr to invest.
JUST Rs. 40,000 per year
• Don’t worry,
• It’s a normal, simple and low amount
• You can afford it easily
Financial Planning
57. Rs. 40,000 per year
• Rs. 5,000 per year
• Take a Life Insurance
• Expect cover near to Rs. 50 lakhs
• For lets say, 23 years? Ok.
• After 23 years?
• Rs. 50 lakhs
• If you die, your family is somewhat safe
• Rs. 35,000 per year
• Do fixed deposits
• Lets assume 8% PPF rate
• Lets say 23 years? Ok.
• With Compound Interest
• Near to Rs. 23 lakhs
TOTAL: Rs. 50 lakhs + Rs. 23 lakhs
Financial Planning
58. Rs. 40,000 per year
• Rs. 5,000 per year
• Take a Life Insurance
• Expect cover near to Rs. 50 lakhs
• For lets say, 23 years? Ok.
• After 23 years?
• Rs. 50 lakhs
• If you die, your family is somewhat safe
• Rs. 35,000 per year
• Do fixed deposits
• Lets assume 8% PPF rate
• Lets say 23 years? Ok.
• With Compound Interest
• Near to Rs. 23 lakhs
TOTAL: Rs. 50 lakhs + Rs. 23 lakhs
Financial Planning
59. Rs. 40,000 per year
• Rs. 5,000 per year
• Take a Life Insurance
• Expect cover near to Rs. 50 lakhs
• For lets say, 23 years? Ok.
• After 23 years?
• Rs. 50 lakhs
• If you die, your family is somewhat safe
• Rs. 35,000 per year
• Do fixed deposits
• Lets assume 8% PPF rate
• Lets say 23 years? Ok.
• With Compound Interest
• Near to Rs. 23 lakhs
TOTAL: Rs. 50 lakhs + Rs. 23 lakhs
Financial Planning
60. Rs. 40,000 per year
• Rs. 5,000 per year
• Take a Life Insurance
• Expect cover near to Rs. 50 lakhs
• For lets say, 23 years? Ok.
• After 23 years?
• Rs. 50 lakhs
• If you die, your family is somewhat safe
• Rs. 35,000 per year
• Do fixed deposits
• Lets assume 8% PPF rate
• Lets say 23 years? Ok.
• With Compound Interest
• Near to Rs. 23 lakhs
TOTAL: Rs. 50 lakhs + Rs. 23 lakhs
Financial Planning
61. Rs. 40,000 per year
• Rs. 5,000 per year
• Take a Life Insurance
• Expect cover near to Rs. 50 lakhs
• For lets say, 23 years? Ok.
• After 23 years?
• Rs. 50 lakhs
• If you die, your family is somewhat safe
• Rs. 35,000 per year
• Do fixed deposits
• Lets assume 8% PPF rate
• Lets say 23 years? Ok.
• With Compound Interest
• Near to Rs. 23 lakhs
TOTAL: Rs. 50 lakhs + Rs. 23 lakhs
Financial Planning
62. Rs. 40,000 per year
• Rs. 5,000 per year
• Take a Life Insurance
• Expect cover near to Rs. 50 lakhs
• For lets say, 23 years? Ok.
• After 23 years?
• Rs. 50 lakhs
• If you die, your family is somewhat safe
• Rs. 35,000 per year
• Do fixed deposits
• Lets assume 8% PPF rate
• Lets say 23 years? Ok.
• With Compound Interest
• Near to Rs. 23 lakhs
TOTAL: Rs. 50 lakhs + Rs. 23 lakhs
Financial Planning
63. Rs. 40,000 per year
• Rs. 5,000 per year
• Take a Life Insurance
• Expect cover near to Rs. 50 lakhs
• For lets say, 23 years? Ok.
• After 23 years?
• Rs. 50 lakhs
• If you die, your family is somewhat safe
• Rs. 35,000 per year
• Do fixed deposits
• Lets assume 8% PPF rate
• Lets say 23 years? Ok.
• With Compound Interest
• Near to Rs. 23 lakhs
TOTAL: Rs. 50 lakhs + Rs. 23 lakhs
Financial Planning
64. Rs. 40,000 per year
• Rs. 5,000 per year
• Take a Life Insurance
• Expect cover near to Rs. 50 lakhs
• For lets say, 23 years? Ok.
• After 23 years?
• Rs. 50 lakhs
• If you die, your family is somewhat safe
• Rs. 35,000 per year
• Do fixed deposits
• Lets assume 8% PPF rate
• Lets say 23 years? Ok.
• With Compound Interest
• Near to Rs. 23 lakhs
TOTAL: Rs. 50 lakhs + Rs. 23 lakhs
Financial Planning
66. SUMMARY (Chapter - 1)
Minimize no. of Life Insurance Policies
Don’t treat life cover as Investment tool
Take Terms plans and Life Insurance
Divide appropriate premium b/w them
Also go for Fixed deposits
They are like savings
Financial Planning
67. Chapter - 2 of 5
investments
Never Ever Gives QUICK MONEY !
Financial Planning
86. 2 Categories for People in here:
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
1. Serious investors searching wealth
2. Investors searching QUICK GAINS
Optimize Credit Cards
Optimize other investments
Financial Planning
87. Serious investors searching wealth
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Not looking for quick gains
Very clear about rules of stocks
Deeply study tricks of this game
Have deep vision on stocks
Know exactly how to make money over long terms
On right path
They don’t need any cleanup here
Optimize other investments
Financial Planning
88. Serious investors searching wealth
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Not looking for quick gains
Very clear about rules of stocks
Deeply study tricks of this game
Have deep vision on stocks
Know exactly how to make money over long terms
On right path
They don’t need any cleanup here
Optimize other investments
Financial Planning
89. Serious investors searching wealth
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Not looking for quick gains
Very clear about rules of stocks
Deeply study tricks of this game
Have deep vision on stocks
Know exactly how to make money over long terms
On right path
They don’t need any cleanup here
Optimize other investments
Financial Planning
90. Serious investors searching wealth
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Not looking for quick gains
Very clear about rules of stocks
Deeply study tricks of this game
Have deep vision on stocks
Know exactly how to make money over long terms
On right path
They don’t need any cleanup here
Optimize other investments
Financial Planning
91. Serious investors searching wealth
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Not looking for quick gains
Very clear about rules of stocks
Deeply study tricks of this game
Have deep vision on stocks
Know exactly how to make money over long terms
On right path
They don’t need any cleanup here
Optimize other investments
Financial Planning
92. Serious investors searching wealth
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Not looking for quick gains
Very clear about rules of stocks
Deeply study tricks of this game
Have deep vision on stocks
Know exactly how to make money over long terms
On right path
They don’t need any cleanup here
Optimize other investments
Financial Planning
93. Serious investors searching wealth
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Not looking for quick gains
Very clear about rules of stocks
Deeply study tricks of this game
Have deep vision on stocks
Know exactly how to make money over long terms
On right path
They don’t need any cleanup here
Optimize other investments
Financial Planning
94. Serious investors searching wealth
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Not looking for quick gains
Very clear about rules of stocks
Deeply study tricks of this game
Have deep vision on stocks
Know exactly how to make money over long terms
On right path
They don’t need any cleanup here
Optimize other investments
Financial Planning
95. Investors searching QUICK GAINS
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• 99% of stock population
• Looking quick money in weeks or months
• Sell shares ASAP see profit
• Look charts, stock prices, but FOCUS profits
• Buy on tips of friends or other means
• Subscribe SMSs, channels, etc.
• Want to label:
LUCK
As
TALENT
Financial Planning
96. Investors searching QUICK GAINS
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• 99% of stock population
• Looking quick money in weeks or months
• Sell shares ASAP see profit
• Look charts, stock prices, but FOCUS profits
• Buy on tips of friends or other means
• Subscribe SMSs, channels, etc.
• Want to label:
LUCK
As
TALENT
Financial Planning
97. Investors searching QUICK GAINS
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• 99% of stock population
• Looking quick money in weeks or months
• Sell shares ASAP see profit
• Look charts, stock prices, but FOCUS profits
• Buy on tips of friends or other means
• Subscribe SMSs, channels, etc.
• Want to label:
LUCK
As
TALENT
Financial Planning
98. Investors searching QUICK GAINS
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• 99% of stock population
• Looking quick money in weeks or months
• Sell shares ASAP see profit
• Look charts, stock prices, but FOCUS profits
• Buy on tips of friends or other means
• Subscribe SMSs, channels, etc.
• Want to label:
LUCK
As
TALENT
Financial Planning
99. Investors searching QUICK GAINS
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• 99% of stock population
• Looking quick money in weeks or months
• Sell shares ASAP see profit
• Look charts, stock prices, but FOCUS profits
• Buy on tips of friends or other means
• Subscribe SMSs, channels, etc.
• Want to label:
LUCK
As
TALENT
Financial Planning
100. Investors searching QUICK GAINS
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• 99% of stock population
• Looking quick money in weeks or months
• Sell shares ASAP see profit
• Look charts, stock prices, but FOCUS profits
• Buy on tips of friends or other means
• Subscribe SMSs, channels, etc.
• Want to label:
LUCK
As
TALENT
Financial Planning
101. Investors searching QUICK GAINS
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• 99% of stock population
• Looking quick money in weeks or months
• Sell shares ASAP see profit
• Look charts, stock prices, but FOCUS profits
• Buy on tips of friends or other means
• Subscribe SMSs, channels, etc.
• Want to label:
LUCK
As
TALENT
Financial Planning
102. Investors searching QUICK GAINS
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• 99% of stock population
• Looking quick money in weeks or months
• Sell shares ASAP see profit
• Look charts, stock prices, but FOCUS profits
• Buy on tips of friends or other means
• Subscribe SMSs, channels, etc.
• Want to label:
LUCK
As
TALENT
Financial Planning
103. Investors searching QUICK GAINS
Optimize Stocks
Optimize Mutual Funds
• Brokers take advantage of such people
Optimize Bank Accounts
Optimize ULIPs
WHAT TO DO NOW ?
Optimize Credit Cards
Optimize other investments
Financial Planning
104. Investors searching QUICK GAINS
Optimize Stocks
Optimize Mutual Funds
• Brokers take advantage of such people
Optimize Bank Accounts
Optimize ULIPs
WHAT TO DO NOW ?
Optimize Credit Cards
Optimize other investments
Financial Planning
105. Investors searching QUICK GAINS
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Get rid of STOCKS asap
Dying to play stocks?
Invest in mutual funds
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
Financial Planning
106. Investors searching QUICK GAINS
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Get rid of STOCKS asap
Dying to play stocks?
Invest in mutual funds
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
Financial Planning
107. Investors searching QUICK GAINS
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Get rid of STOCKS asap
Dying to play stocks?
Invest in mutual funds
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
Financial Planning
108. Investors searching QUICK GAINS
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Get rid of STOCKS asap
Dying to play stocks?
Invest in mutual funds
WHY GET RID ?
Optimize Credit Cards
Optimize other investments
Financial Planning
109. Investors searching QUICK GAINS
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Get rid of STOCKS asap
Dying to play stocks?
Invest in mutual funds
What’s the Problem ?
Optimize Credit Cards
Optimize other investments
Financial Planning
110. Investors searching QUICK GAINS
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
i don’t have any problem…..
You have 2:
Your money is locked in there
o Use it in other parts of life
Optimize Credit Cards
Optimize other investments
You think a lot about those stocks
o It consumes you precious time
Financial Planning
111. Investors searching QUICK GAINS
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
i don’t have any problem…..
You have 2:
Your money is locked in there
o Use it in other parts of life
Optimize Credit Cards
Optimize other investments
You think a lot about those stocks
o It consumes you precious time
Financial Planning
112. Investors searching QUICK GAINS
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
i don’t have any problem…..
You have 2:
Your money is locked in there
o Use it in other parts of life
Optimize Credit Cards
Optimize other investments
You think a lot about those stocks
o It consumes you precious time
Financial Planning
113. Investors searching QUICK GAINS
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
i don’t have any problem…..
You have 2:
Your money is locked in there
o Use it in other parts of life
Optimize Credit Cards
Optimize other investments
You think a lot about those stocks
o It consumes you precious time
Financial Planning
116. Optimize Stocks
Optimize Mutual Funds
a MYTH lives here also…..
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
Financial Planning
117. Many Investors Feel That:
Optimize Stocks
Optimize Mutual Funds
• More mutual funds they invest in,
• The better it is…..
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
What’s the TRUTH?
• Mutual funds aren’t like:
o Stamp collection, or
o Coin Collection
o More is not always better…..
Financial Planning
118. Many Investors Feel That:
Optimize Stocks
Optimize Mutual Funds
• More mutual funds they invest in,
• The better it is…..
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
What’s the TRUTH?
• Mutual funds aren’t like:
o Stamp collection, or
o Coin Collection
o More is not always better…..
Financial Planning
119. Many Investors Feel That:
Optimize Stocks
Optimize Mutual Funds
• More mutual funds they invest in,
• The better it is…..
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
What’s the TRUTH?
• Mutual funds aren’t like:
o Stamp collection, or
o Coin Collection
o More is not always better…..
Financial Planning
120. Many Investors Feel That:
Optimize Stocks
Optimize Mutual Funds
• More mutual funds they invest in,
• The better it is…..
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
What’s the TRUTH?
• Mutual funds aren’t like:
o Stamp collection, or
o Coin Collection
o More is not always better…..
Financial Planning
121. Many Investors Feel That:
Optimize Stocks
Optimize Mutual Funds
• More mutual funds they invest in,
• The better it is…..
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
What’s the TRUTH?
• Mutual funds aren’t like:
o Stamp collection, or
o Coin Collection
o More is not always better…..
Financial Planning
122. Optimize Stocks
Optimize Mutual Funds
What Matters in Mutual Funds ?
• The allocation in different stocks
• Their quality
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Already invested in same kinds of stocks?
WHAT TO DO NOW ?
Optimize other investments
Financial Planning
123. Optimize Stocks
Optimize Mutual Funds
What Matters in Mutual Funds ?
• The allocation in different stocks
• Their quality
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Already invested in same kinds of stocks?
WHAT TO DO NOW ?
Optimize other investments
Financial Planning
124. Optimize Stocks
Optimize Mutual Funds
What Matters in Mutual Funds ?
• The allocation in different stocks
• Their quality
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Already invested in same kinds of stocks?
WHAT TO DO NOW ?
Optimize other investments
Financial Planning
125. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Just 2 steps for now:
• SHUT all the current Mutual Funds
Optimize ULIPs
AND
Optimize Credit Cards
Optimize other investments
Financial Planning
126. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Just 2 steps for now:
• SHUT all the current Mutual Funds
Optimize ULIPs
AND
Optimize Credit Cards
Optimize other investments
Financial Planning
127. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Just 2 steps for now:
• SHUT all the current Mutual Funds
Optimize ULIPs
Optimize Credit Cards
AND
Optimize other investments
Financial Planning
128. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Just 2 steps for now:
• SHUT all the current Mutual Funds
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
AND
Financial Planning
129. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Just 2 steps for now:
• SHUT all the current Mutual Funds
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
AND
Financial Planning
130. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Restart
Optimize Credit Cards
Optimize other investments
Financial Planning
132. Optimize Stocks
Again comes the COUNT…..
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
Financial Planning
133. Optimize Stocks
Optimize Mutual Funds
• Lesser the bank accounts,
Optimize Bank Accounts
• Lesser the number of fixed deposits,
Optimize ULIPs
Optimize Credit Cards
• THE BETTER
Optimize other investments
Financial Planning
134. Optimize Stocks
Optimize Mutual Funds
• Lesser the bank accounts,
Optimize Bank Accounts
• Lesser the number of fixed deposits,
Optimize ULIPs
Optimize Credit Cards
• THE BETTER
Optimize other investments
Financial Planning
135. Optimize Stocks
Optimize Mutual Funds
• Lesser the bank accounts,
Optimize Bank Accounts
• Lesser the number of fixed deposits,
Optimize ULIPs
Optimize Credit Cards
• THE BETTER
Optimize other investments
Financial Planning
137. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
HOW BETTER ?
Optimize Credit Cards
Optimize other investments
Financial Planning
138. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• Not much problem unless you are dead,
o Afterwards, your family faces problems,
o Claim each bank account,
o Claim each fixed deposit,
o A lengthy process…..
• Each bank has different cheque-books
• Account Statements
• Different penalty charges
• And you keep track all of this…..
Financial Planning
139. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• Not much problem unless you are dead,
o Afterwards, your family faces problems,
o Claim each bank account,
o Claim each fixed deposit,
o A lengthy process…..
• Each bank has different cheque-books
• Account Statements
• Different penalty charges
• And you keep track all of this…..
Financial Planning
140. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• Not much problem unless you are dead,
o Afterwards, your family faces problems,
o Claim each bank account,
o Claim each fixed deposit,
o A lengthy process…..
• Each bank has different cheque-books
• Account Statements
• Different penalty charges
• And you keep track all of this…..
Financial Planning
141. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• Not much problem unless you are dead,
o Afterwards, your family faces problems,
o Claim each bank account,
o Claim each fixed deposit,
o A lengthy process…..
• Each bank has different cheque-books
• Account Statements
• Different penalty charges
• And you keep track all of this…..
Financial Planning
142. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• Not much problem unless you are dead,
o Afterwards, your family faces problems,
o Claim each bank account,
o Claim each fixed deposit,
o A lengthy process…..
• Each bank has different cheque-books
• Account Statements
• Different penalty charges
• And you keep track all of this…..
Financial Planning
143. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• Not much problem unless you are dead,
o Afterwards, your family faces problems,
o Claim each bank account,
o Claim each fixed deposit,
o A lengthy process…..
• Each bank has different cheque-books
• Account Statements
• Different penalty charges
• And you keep track all of this…..
Financial Planning
144. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• Not much problem unless you are dead,
o Afterwards, your family faces problems,
o Claim each bank account,
o Claim each fixed deposit,
o A lengthy process…..
• Each bank has different cheque-books
• Account Statements
• Different penalty charges
• And you keep track all of this…..
Financial Planning
145. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• Not much problem unless you are dead,
o Afterwards, your family faces problems,
o Claim each bank account,
o Claim each fixed deposit,
o A lengthy process…..
• Each bank has different cheque-books
• Account Statements
• Different penalty charges
• And you keep track all of this…..
Financial Planning
146. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• Not much problem unless you are dead,
o Afterwards, your family faces problems,
o Claim each bank account,
o Claim each fixed deposit,
o A lengthy process…..
• Each bank has different cheque-books
• Account Statements
• Different penalty charges
• And you keep track all of this…..
Financial Planning
147. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
WHAT TO DO ?
• One Joint account
o For family
• One Personal Account
o For salary transfers from company
AND
Financial Planning
148. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
WHAT TO DO ?
• One Joint account
o For family
• One Personal Account
o For salary transfers from company
AND
Financial Planning
149. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
WHAT TO DO ?
• One Joint account
o For family
• One Personal Account
o For salary transfers from company
AND
Financial Planning
150. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
WHAT TO DO ?
• One Joint account
o For family
• One Personal Account
o For salary transfers from company
AND
Financial Planning
151. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
WHAT TO DO ?
• One Joint account
o For family
• One Personal Account
o For salary transfers from company
AND
Financial Planning
152. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
WHAT TO DO ?
• One Joint account
o For family
• One Personal Account
o For salary transfers from company
AND
Financial Planning
153. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
THAT’s ALL !
All your money can fit into this…..
Optimize Credit Cards
Optimize other investments
Financial Planning
155. Optimize Stocks
WHAT ARE ULIPs?
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
ULIPs are Unit Linked Plans.
Optimize Credit Cards
Optimize other investments
Financial Planning
156. Optimize Stocks
WHAT ARE ULIPs?
Optimize Mutual Funds
Optimize Bank Accounts
ULIPs are Unit Linked Plans.
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
Financial Planning
157. Optimize Stocks
WHAT ARE ULIPs?
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
WHAT ?
Optimize Credit Cards
Optimize other investments
Financial Planning
158. Optimize Stocks
WHAT ARE ULIPs?
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
That’s It?
Optimize Credit Cards
Optimize other investments
Financial Planning
159. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
WHAT ARE ULIPs?
• ULIPs are Unit Linked Plans.
• They mix Life insurance, investments
and LINK with Stock Market.
• You get life insurance, tax advantage &
superb returns….. HOW?
• Because the investments are done in
STOCK MARKETS
Financial Planning
160. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
WHAT ARE ULIPs?
• ULIPs are Unit Linked Plans.
• They mix Life insurance, investments
and LINK with Stock Market.
• You get life insurance, tax advantage &
superb returns….. HOW?
• Because the investments are done in
STOCK MARKETS
Financial Planning
161. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
WHAT ARE ULIPs?
• ULIPs are Unit Linked Plans.
• They mix Life insurance, investments
and LINK with Stock Market.
• You get life insurance, tax advantage &
superb returns….. HOW?
• Because the investments are done in
STOCK MARKETS
Financial Planning
162. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
WHAT ARE ULIPs?
• ULIPs are Unit Linked Plans.
• They mix Life insurance, investments
and LINK with Stock Market.
• You get life insurance, tax advantage &
superb returns….. HOW?
• Because the investments are done in
STOCK MARKETS
Financial Planning
163. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
WHAT ARE ULIPs?
• ULIPs are Unit Linked Plans.
• They mix Life insurance, investments
and LINK with Stock Market.
• You get life insurance, tax advantage &
superb returns….. HOW?
• Because the investments are done in
STOCK MARKETS
Financial Planning
164. Optimize Stocks
WHAT ARE ULIPs?
In short,
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• Like me,
• ULIPs are not suitable for common man.
• ULIPs are for market and stock tycoons,
• Who can manipulate market very well…..
• LOST INTEREST IN ULIPs?
• Good ! Move to next topic
• SKIP these ULIPs
Financial Planning
165. Optimize Stocks
WHAT ARE ULIPs?
In short,
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• Like me,
• ULIPs are not suitable for common man.
• ULIPs are for market and stock tycoons,
• Who can manipulate market very well…..
• LOST INTEREST IN ULIPs?
• Good ! Move to next topic
• SKIP these ULIPs
Financial Planning
166. Optimize Stocks
WHAT ARE ULIPs?
In short,
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• Like me,
• ULIPs are not suitable for common man.
• ULIPs are for market and stock tycoons,
• Who can manipulate market very well…..
• LOST INTEREST IN ULIPs?
• Good ! Move to next topic
• SKIP these ULIPs
Financial Planning
167. Optimize Stocks
WHAT ARE ULIPs?
In short,
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• Like me,
• ULIPs are not suitable for common man.
• ULIPs are for market and stock tycoons,
• Who can manipulate market very well…..
• LOST INTEREST IN ULIPs?
• Good ! Move to next topic
• SKIP these ULIPs
Financial Planning
168. Optimize Stocks
WHAT ARE ULIPs?
In short,
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• Like me,
• ULIPs are not suitable for common man.
• ULIPs are for market and stock tycoons,
• Who can manipulate market very well…..
• LOST INTEREST IN ULIPs?
• Good ! Move to next topic
• SKIP these ULIPs
Financial Planning
169. Optimize Stocks
WHAT ARE ULIPs?
In short,
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• Like me,
• ULIPs are not suitable for common man.
• ULIPs are for market and stock tycoons,
• Who can manipulate market very well…..
• LOST INTEREST IN ULIPs?
• Good ! Move to next topic
• SKIP these ULIPs
Financial Planning
170. Optimize Stocks
WHAT ARE ULIPs?
In short,
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• Like me,
• ULIPs are not suitable for common man.
• ULIPs are for market and stock tycoons,
• Who can manipulate market very well…..
• LOST INTEREST IN ULIPs?
• Good ! Move to next topic
• SKIP these ULIPs
Financial Planning
171. Optimize Stocks
WHAT ARE ULIPs?
In short,
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• ULIPs are not suitable for common man.
• Like me,
• ULIPs are for market and stock tycoons,
• Who can manipulate market very well…..
• LOST INTEREST IN ULIPs?
• Good ! Move to next topic
• SKIP these ULIPs
Still INTERESTED in ULIPs ?
Then let’s continue…..
Financial Planning
172. Years 2004-2007
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• ULIPs had some fine rules
• Buyers should have checked
• Sellers should have told customers
• Customers should have asked all things
• No one performed well and,
Customers got trapped
• Such customers could not afford ULIPs
Financial Planning
173. Years 2004-2007
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• ULIPs had some fine rules
• Buyers should have checked
• Sellers should have told customers
• Customers should have asked all things
• No one performed well and,
Customers got trapped
• Such customers could not afford ULIPs
Financial Planning
174. Years 2004-2007
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• ULIPs had some fine rules
• Buyers should have checked
• Sellers should have told customers
• Customers should have asked all things
• No one performed well and,
Customers got trapped
• Such customers could not afford ULIPs
Financial Planning
175. Years 2004-2007
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• ULIPs had some fine rules
• Buyers should have checked
• Sellers should have told customers
• Customers should have asked all things
• No one performed well and,
Customers got trapped
• Such customers could not afford ULIPs
Financial Planning
176. Years 2004-2007
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• ULIPs had some fine rules
• Buyers should have checked
• Sellers should have told customers
• Customers should have asked all things
• No one performed well and,
Customers got trapped
• Such customers could not afford ULIPs
Financial Planning
177. Years 2004-2007
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• ULIPs had some fine rules
• Buyers should have checked
• Sellers should have told customers
• Customers should have asked all things
• No one performed well and,
Customers got trapped
• Such customers could not afford ULIPs
Financial Planning
178. Years 2004-2007
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Top Selling Points of ULIPs:
Selling Point – 1/3:
• Short Term Product
• Stop paying premium after 3 years
• Huge Charges in initial years
• People got shocked after many years
Optimize other investments
Financial Planning
179. Years 2004-2007
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Top Selling Points of ULIPs:
Selling Point – 1/3:
• Short Term Product
• Stop paying premium after 3 years
• Huge Charges in initial years
• People got shocked after many years
Optimize other investments
Financial Planning
180. Years 2004-2007
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Top Selling Points of ULIPs:
Selling Point – 1/3:
• Short Term Product
• Stop paying premium after 3 years
• Huge Charges in initial years
• People got shocked after many years
Optimize other investments
Financial Planning
181. Years 2004-2007
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Top Selling Points of ULIPs:
Selling Point – 1/3:
• Short Term Product
• Stop paying premium after 3 years
• Huge Charges in initial years
• People got shocked after many years
Optimize other investments
Financial Planning
182. Years 2004-2007
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Top Selling Points of ULIPs:
Selling Point -2/3:
• Additional benefit of Life Insurance
• It is FREE!
• Mortality charges are reduced each
year
Optimize other investments
Financial Planning
183. Years 2004-2007
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Top Selling Points of ULIPs:
Selling Point -2/3:
• Additional benefit of Life Insurance
• It is FREE!
• Mortality charges are reduced each
year
Optimize other investments
Financial Planning
184. Years 2004-2007
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Top Selling Points of ULIPs:
Selling Point -2/3:
• Additional benefit of Life Insurance
• It is FREE!
• Mortality charges are reduced each
year
Optimize other investments
Financial Planning
185. Years 2004-2007
Optimize Stocks
Top Selling Points of ULIPs:
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
Selling Point -3/3:
• It will give EXCELLENT returns!
• Easy to switch b/w equity & debt funds
• Growth in money
• Anyone can do it
• The actual complexity cursed many
people.
Financial Planning
186. Years 2004-2007
Optimize Stocks
Top Selling Points of ULIPs:
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
Selling Point -3/3:
• It will give EXCELLENT returns!
• Easy to switch b/w equity & debt funds
• Growth in money
• Anyone can do it
• The actual complexity cursed many
people.
Financial Planning
187. Years 2004-2007
Optimize Stocks
Top Selling Points of ULIPs:
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
Selling Point -3/3:
• It will give EXCELLENT returns!
• Easy to switch b/w equity & debt funds
• Growth in money
• Anyone can do it
• The actual complexity cursed many
people.
Financial Planning
188. Years 2004-2007
Optimize Stocks
Top Selling Points of ULIPs:
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
Selling Point -3/3:
• It will give EXCELLENT returns!
• Easy to switch b/w equity & debt funds
• Growth in money
• Anyone can do it
• The actual complexity cursed many
people.
Financial Planning
189. Years 2004-2007
Optimize Stocks
Top Selling Points of ULIPs:
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
Selling Point -3/3:
• It will give EXCELLENT returns!
• Easy to switch b/w equity & debt funds
• Growth in money
• Anyone can do it
• The actual complexity cursed many
people.
Financial Planning
190. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• ULIPs are long term financial products
• Investments are done in stocks
• Not suitable for those who:
Don’t know various features
And, switching options in ULIPs
And, when to switch
• It is widely said:
• “Pay the premium and wait for years to perform”
• Its not like this,
• Various charges may bring down returns
Financial Planning
191. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• ULIPs are long term financial products
• Investments are done in stocks
• Not suitable for those who:
Don’t know various features
And, switching options in ULIPs
And, when to switch
• It is widely said:
• “Pay the premium and wait for years to perform”
• Its not like this,
• Various charges may bring down returns
Financial Planning
192. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• ULIPs are long term financial products
• Investments are done in stocks
• Not suitable for those who:
Don’t know various features
And, switching options in ULIPs
And, when to switch
• It is widely said:
• “Pay the premium and wait for years to perform”
• Its not like this,
• Various charges may bring down returns
Financial Planning
193. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• ULIPs are long term financial products
• Investments are done in stocks
• Not suitable for those who:
Don’t know various features
And, switching options in ULIPs
And, when to switch
• It is widely said:
• “Pay the premium and wait for years to perform”
• Its not like this,
• Various charges may bring down returns
Financial Planning
194. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• ULIPs are long term financial products
• Investments are done in stocks
• Not suitable for those who:
Don’t know various features
And, switching options in ULIPs
And, when to switch
• It is widely said:
• “Pay the premium and wait for years to perform”
• Its not like this,
• Various charges may bring down returns
Financial Planning
195. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• ULIPs are long term financial products
• Investments are done in stocks
• Not suitable for those who:
Don’t know various features
And, switching options in ULIPs
And, when to switch
• It is widely said:
• “Pay the premium and wait for years to perform”
• Its not like this,
• Various charges may bring down returns
Financial Planning
196. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• ULIPs are long term financial products
• Investments are done in stocks
• Not suitable for those who:
Don’t know various features
And, switching options in ULIPs
And, when to switch
• It is widely said:
• “Pay the premium and wait for years to perform”
• Its not like this,
• Various charges may bring down returns
Financial Planning
197. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• ULIPs are long term financial products
• Investments are done in stocks
• Not suitable for those who:
Don’t know various features
And, switching options in ULIPs
And, when to switch
• It is widely said:
• “Pay the premium and wait for years to perform”
• Its not like this,
• Various charges may bring down returns
Financial Planning
198. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• ULIPs are long term financial products
• Investments are done in stocks
• Not suitable for those who:
Don’t know various features
And, switching options in ULIPs
And, when to switch
• It is widely said:
• “Pay the premium and wait for years to perform”
• Its not like this,
• Various charges may bring down returns
Financial Planning
199. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
• ULIPs are long term financial products
• Investments are done in stocks
• Not suitable for those who:
Don’t know various features
And, switching options in ULIPs
And, when to switch
• It is widely said:
• “Pay the premium and wait for years to perform”
• Its not like this,
• Various charges may bring down returns
Financial Planning
200. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
How to Cleanup ULIPs ?
• Best way you ask?
• STOP THEM !
• Most policies return 100%
after 5th year.
• Completed 5 years?
• Take current worth and,
make suitable use
Financial Planning
201. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
How to Cleanup ULIPs ?
• Best way you ask?
• STOP THEM !
• Most policies return 100%
after 5th year.
• Completed 5 years?
• Take current worth and,
make suitable use
Financial Planning
202. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
How to Cleanup ULIPs ?
• Best way you ask?
• STOP THEM !
• Most policies return 100%
after 5th year.
• Completed 5 years?
• Take current worth and,
make suitable use
Financial Planning
203. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
How to Cleanup ULIPs ?
• Best way you ask?
• STOP THEM !
• Most policies return 100%
after 5th year.
• Completed 5 years?
• Take current worth and,
make suitable use
Financial Planning
204. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
How to Cleanup ULIPs ?
• Best way you ask?
• STOP THEM !
• Most policies return 100%
after 5th year.
• Completed 5 years?
• Take current worth and,
make suitable use
Financial Planning
207. Optimize Stocks
Let’s Deal with CHARMS first…..
Optimize ULIPs
• Many people have lots of credit cards
• The higher the number, the higher is credit limit
• Different credit cards, various benefits
• Offers in terms of cash back
• Bonus Points
Optimize Credit Cards
•BEST CHARM IS:
Optimize Mutual Funds
Optimize Bank Accounts
Optimize other investments
DOUBLE EDGED SWORDS !!!
Financial Planning
208. Optimize Stocks
Let’s Deal with CHARMS first…..
Optimize ULIPs
• Many people have lots of credit cards
• The higher the number, the higher is credit limit
• Different credit cards, various benefits
• Offers in terms of cash back
• Bonus Points
Optimize Credit Cards
•BEST CHARM IS:
Optimize Mutual Funds
Optimize Bank Accounts
Optimize other investments
DOUBLE EDGED SWORDS !!!
Financial Planning
209. Optimize Stocks
Let’s Deal with CHARMS first…..
Optimize ULIPs
• Many people have lots of credit cards
• The higher the number, the higher is credit limit
• Different credit cards, various benefits
• Offers in terms of cash back
• Bonus Points
Optimize Credit Cards
•BEST CHARM IS:
Optimize Mutual Funds
Optimize Bank Accounts
Optimize other investments
DOUBLE EDGED SWORDS !!!
Financial Planning
210. Optimize Stocks
Let’s Deal with CHARMS first…..
Optimize ULIPs
• Many people have lots of credit cards
• The higher the number, the higher is credit limit
• Different credit cards, various benefits
• Offers in terms of cash back
• Bonus Points
Optimize Credit Cards
•BEST CHARM IS:
Optimize Mutual Funds
Optimize Bank Accounts
Optimize other investments
DOUBLE EDGED SWORDS !!!
Financial Planning
211. Optimize Stocks
Let’s Deal with CHARMS first…..
Optimize ULIPs
• Many people have lots of credit cards
• The higher the number, the higher is credit limit
• Different credit cards, various benefits
• Offers in terms of cash back
• Bonus Points
Optimize Credit Cards
•BEST CHARM IS:
Optimize Mutual Funds
Optimize Bank Accounts
Optimize other investments
DOUBLE EDGED SWORDS !!!
Financial Planning
212. Optimize Stocks
Let’s Deal with CHARMS first…..
Optimize ULIPs
• Many people have lots of credit cards
• The higher the number, the higher is credit limit
• Different credit cards, various benefits
• Offers in terms of cash back
• Bonus Points
Optimize Credit Cards
•BEST CHARM IS:
Optimize Mutual Funds
Optimize Bank Accounts
Optimize other investments
DOUBLE EDGED SWORDS !!!
Financial Planning
213. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
Let’s Deal with CHARMS first…..
• Many people have lots of credit cards
• The higher the number, the higher is credit limit
• Different credit cards, various benefits
• Offers in terms of cash back
• Bonus Points
• Always, pay back later
•BEST CHARM IS:
DOUBLE EDGED SWORDS !!!
Financial Planning
214. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
Let’s Deal with CHARMS first…..
• Many people have lots of credit cards
• The higher the number, the higher is credit limit
• Different credit cards, various benefits
• Offers in terms of cash back
• Bonus Points
• Always, pay back later
•BEST CHARM :
DOUBLE EDGED SWORDS !!!
Financial Planning
215. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
Let’s Deal with CHARMS first…..
• Many people have lots of credit cards
• The higher the number, the higher is credit limit
• Different credit cards, various benefits
• Offers in terms of cash back
• Bonus Points
• Always, pay back later
•BEST CHARM :
DOUBLE EDGED SWORDS !!!
Financial Planning
216. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Credit Cards You Ask ?
Bad Habit!
Optimize Credit Cards
Optimize other investments
Financial Planning
217. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Credit Cards You Ask ?
Bad Habit!
Optimize Credit Cards
Optimize other investments
Financial Planning
218. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
• Spend on things you don’t really need
• Can let you into debt trap
• You overspend
• Don’t pay on time
• It takes lot of time to come out of debt
• Credit cards can create HAVOC!
Optimize other investments
Financial Planning
219. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
• Spend on things you don’t really need
• Can let you into debt trap
• You overspend
• Don’t pay on time
• It takes lot of time to come out of debt
• Credit cards can create HAVOC!
Optimize other investments
Financial Planning
220. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
• Spend on things you don’t really need
• Can let you into debt trap
• You overspend
• Don’t pay on time
• It takes lot of time to come out of debt
• Credit cards can create HAVOC!
Optimize other investments
Financial Planning
221. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
• Spend on things you don’t really need
• Can let you into debt trap
• You overspend
• Don’t pay on time
• It takes lot of time to come out of debt
• Credit cards can create HAVOC!
Optimize other investments
Financial Planning
222. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
• Spend on things you don’t really need
• Can let you into debt trap
• You overspend
• Don’t pay on time
• It takes lot of time to come out of debt
• Credit cards can create HAVOC!
Optimize other investments
Financial Planning
223. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
• Spend on things you don’t really need
• Can let you into debt trap
• You overspend
• Don’t pay on time
• It takes lot of time to come out of debt
• Credit cards can create HAVOC!
Optimize other investments
Financial Planning
224. Optimize Stocks
Myth of Minimum Payment
Optimize Mutual Funds
What most people understand it is:
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
• A favor from Credit Card company
• Pay minimum balance per month
• And, keep increase the debt on credit card
Optimize other investments
Financial Planning
225. Optimize Stocks
Myth of Minimum Payment
Optimize Mutual Funds
What most people understand it is:
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
• A favor from Credit Card company
• Pay minimum balance per month
• And, keep increase the debt on credit card
Optimize other investments
Financial Planning
226. Optimize Stocks
Myth of Minimum Payment
Optimize Mutual Funds
What most people understand it is:
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
• A favor from Credit Card company
• Pay minimum balance per month
• And, keep increase the debt on credit card
Optimize other investments
Financial Planning
227. Optimize Stocks
Myth of Minimum Payment
Optimize Mutual Funds
What most people understand it is:
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
• A favor from Credit Card company
• Pay minimum balance per month
• And, keep increase the debt on credit card
Optimize other investments
Financial Planning
228. Optimize Stocks
Myth of Minimum Payment
Optimize Mutual Funds
What most people understand it is:
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
• A favor from Credit Card company
• Pay minimum balance per month
• And, keep increase the debt on credit card
Optimize other investments
Financial Planning
229. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Minimum Payment in Credit Cards
• Amount to pay on credit card bill
• It is to avoid penalty charges for
non-payment
• But, interest is charged on dues
Optimize other investments
Financial Planning
230. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Minimum Payment in Credit Cards
• Amount to pay on credit card bill
• It is to avoid penalty charges for
non-payment
• But, interest is charged on dues
Optimize other investments
Financial Planning
231. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Minimum Payment in Credit Cards
• Amount to pay on credit card bill
• It is to avoid penalty charges for
non-payment
• But, interest is charged on dues
Optimize other investments
Financial Planning
232. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Minimum Payment in Credit Cards
• Amount to pay on credit card bill
• It is to avoid penalty charges for
non-payment
• But, interest is charged on dues
Optimize other investments
Financial Planning
233. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
An Example ?
Okay.
Optimize Credit Cards
Optimize other investments
Financial Planning
234. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Credit Card Bill:
Rs. 20,000
Minimum Payment: Rs. 1,000
We can do 3 things in this case…..
Optimize Credit Cards
Optimize other investments
Financial Planning
235. 1. Make the full payment of Rs. 20,000
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
2. Don’t pay anything
• Penalty of Rs. 1,000 will be applied
• Added to your dues
• Interest will be charged on dues
3.
Make min. payment of Rs. 1,000
• No penalty will be charged
• But, interest is charged on debt
Financial Planning
236. 1. Make the full payment of Rs. 20,000
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
2. Don’t pay anything
• Penalty of Rs. 1,000 will be applied
• Added to your dues
• Interest will be charged on dues
3.
Make min. payment of Rs. 1,000
• No penalty will be charged
• But, interest is charged on debt
Financial Planning
237. 1. Make the full payment of Rs. 20,000
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
2. Don’t pay anything
• Penalty of Rs. 1,000 will be applied
• Added to your dues
• Interest will be charged on dues
3.
Make min. payment of Rs. 1,000
• No penalty will be charged
• But, interest is charged on debt
Financial Planning
238. 1. Make the full payment of Rs. 20,000
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
2. Don’t pay anything
• Penalty of Rs. 1,000 will be applied
• Added to your dues
• Interest will be charged on dues
3.
Make min. payment of Rs. 1,000
• No penalty will be charged
• But, interest is charged on debt
Financial Planning
239. 1. Make the full payment of Rs. 20,000
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
2. Don’t pay anything
• Penalty of Rs. 1,000 will be applied
• Added to your dues
• Interest will be charged on dues
3.
Make min. payment of Rs. 1,000
• No penalty will be charged
• But, interest is charged on debt
Financial Planning
240. 1. Make the full payment of Rs. 20,000
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
2. Don’t pay anything
• Penalty of Rs. 1,000 will be applied
• Added to your dues
• Interest will be charged on dues
3.
Make min. payment of Rs. 1,000
• No penalty will be charged
• But, interest is charged on debt
Financial Planning
241. 1. Make the full payment of Rs. 20,000
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
2. Don’t pay anything
• Penalty of Rs. 1,000 will be applied
• Added to your dues
• Interest will be charged on dues
3.
Make min. payment of Rs. 1,000
• No penalty will be charged
• But, interest is charged on debt
Financial Planning
242. 1. Make the full payment of Rs. 20,000
Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
2. Don’t pay anything
• Penalty of Rs. 1,000 will be applied
• Added to your dues
• Interest will be charged on dues
3.
Make min. payment of Rs. 1,000
• No penalty will be charged
• But, interest is charged on debt
Financial Planning
243. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
WHAT TO DO ?
• Keep very few credit cards
• Control the spending behavior
• Understand credit limits
• 6 cards Rs. 20,000 each = Limit of Rs. 1,20,000
Or say,
• 2 cards Rs. 60,000 each = Limit of Rs. 1,20,000
• Choice is yours, Always.
Financial Planning
244. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
WHAT TO DO ?
• Keep very few credit cards
• Control the spending behavior
• Understand credit limits
• 6 cards Rs. 20,000 each = Limit of Rs. 1,20,000
Or say,
• 2 cards Rs. 60,000 each = Limit of Rs. 1,20,000
• Choice is yours, Always.
Financial Planning
245. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
WHAT TO DO ?
• Keep very few credit cards
• Control the spending behavior
• Understand credit limits
• 6 cards Rs. 20,000 each = Limit of Rs. 1,20,000
Or say,
• 2 cards Rs. 60,000 each = Limit of Rs. 1,20,000
• Choice is yours, Always.
Financial Planning
246. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
WHAT TO DO ?
• Keep very few credit cards
• Control the spending behavior
• Understand credit limits
• 6 cards Rs. 20,000 each = Limit of Rs. 1,20,000
Or say,
• 2 cards Rs. 60,000 each = Limit of Rs. 1,20,000
• Choice is yours, Always.
Financial Planning
247. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
WHAT TO DO ?
• Keep very few credit cards
• Control the spending behavior
• Understand credit limits
• 6 cards Rs. 20,000 each = Limit of Rs. 1,20,000
Or say,
• 2 cards Rs. 60,000 each = Limit of Rs. 1,20,000
• Choice is yours, Always.
Financial Planning
248. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
WHAT TO DO ?
• Keep very few credit cards
• Control the spending behavior
• Understand credit limits
• 6 cards Rs. 20,000 each = Limit of Rs. 1,20,000
Or say,
• 2 cards Rs. 60,000 each = Limit of Rs. 1,20,000
• Choice is yours, Always.
Financial Planning
249. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
WHAT TO DO ?
• Keep very few credit cards
• Control the spending behavior
• Understand credit limits
• 6 cards Rs. 20,000 each = Limit of Rs. 1,20,000
Or say,
• 2 cards Rs. 60,000 each = Limit of Rs. 1,20,000
• Choice is yours, Always.
Financial Planning
250. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
WHAT TO DO ?
• Keep very few credit cards
• Control the spending behavior
• Understand credit limits
• 6 cards Rs. 20,000 each = Limit of Rs. 1,20,000
Or say,
• 2 cards Rs. 60,000 each = Limit of Rs. 1,20,000
• Choice is yours, Always.
Financial Planning
251. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
WHAT TO DO ?
• Keep very few credit cards
• Control the spending behavior
• Understand credit limits
• 6 cards Rs. 20,000 each = Limit of Rs. 1,20,000
Or say,
• 2 cards Rs. 60,000 each = Limit of Rs. 1,20,000
• Choice is yours, Always.
Financial Planning
254. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
What can be in there?
• PPF, NSC, Post Office Products,
• Real Estate, Infrastructure bonds…..
CHECK:
Why did you buy it ?
Does it serve well ?
Reduce the no. accordingly…..
Without compromising the returns
Financial Planning
255. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
What can be in there?
• PPF, NSC, Post Office Products,
• Real Estate, Infrastructure bonds…..
CHECK:
Why did you buy it ?
Does it serve well ?
Reduce the no. accordingly…..
Without compromising the returns
Financial Planning
256. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
What can be in there?
• PPF, NSC, Post Office Products,
• Real Estate, Infrastructure bonds…..
CHECK:
Why did you buy it ?
Does it serve well ?
Reduce the no. accordingly…..
Without compromising the returns
Financial Planning
257. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
What can be in there?
• PPF, NSC, Post Office Products,
• Real Estate, Infrastructure bonds…..
CHECK:
Why did you buy it ?
Does it serve well ?
Reduce the no. accordingly…..
Without compromising the returns
Financial Planning
258. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
What can be in there?
• PPF, NSC, Post Office Products,
• Real Estate, Infrastructure bonds…..
CHECK:
Why did you buy it ?
Does it serve well ?
Reduce the no. accordingly…..
Without compromising the returns
Financial Planning
259. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
What can be in there?
• PPF, NSC, Post Office Products,
• Real Estate, Infrastructure bonds…..
CHECK:
Why did you buy it ?
Does it serve well ?
Reduce the no. accordingly…..
Without compromising the returns
Financial Planning
260. Optimize Stocks
Optimize Mutual Funds
Optimize Bank Accounts
Optimize ULIPs
Optimize Credit Cards
Optimize other investments
What can be in there?
• PPF, NSC, Post Office Products,
• Real Estate, Infrastructure bonds…..
CHECK:
Why did you buy it ?
Does it serve well ?
Reduce the no. accordingly…..
Without compromising the returns
Financial Planning
261. Chapter – 3 of 5
Health Insurance
A Money Backup for Your Health Problems
Financial Planning
262. It provides medical money
You don’t need to break other investments
Your bank balance remains safe
Financial Planning
263. Repayment Based Policies & Lump Sum Benefits
• Return the actual money
• Upto a limit only
• Like,
o Room charges
o Surgeon
o Oxygen
o Blood
o Operation Theatre
• Return a certain amount only
• Actual spent money doesn’t matter
• Like,
o Per day amount of
hospitalization
o Heart attack
o Kidney failure
o Bypass surgery, etc.
Financial Planning
264. Repayment Based Policies & Lump Sum Benefits
• Return the actual money
• Upto a limit only
• Like,
o Room charges
o Surgeon
o Oxygen
o Blood
o Operation Theatre
• Return a certain amount only
• Actual spent money doesn’t matter
• Like,
o Per day amount of
hospitalization
o Heart attack
o Kidney failure
o Bypass surgery, etc.
Financial Planning
265. Repayment Based Policies & Lump Sum Benefits
• Return the actual money
• Upto a limit only
• Like,
o Room charges
o Surgeon
o Oxygen
o Blood
o Operation Theatre
• Return a certain amount only
• Actual spent money doesn’t matter
• Like,
o Per day amount of
hospitalization
o Heart attack
o Kidney failure
o Bypass surgery, etc.
Financial Planning
266. Repayment Based Policies & Lump Sum Benefits
• Return the actual money
• Upto a limit only
• Like,
o Room charges
o Surgeon
o Oxygen
o Blood
o Operation Theatre
• Return a certain amount only
• Actual spent money doesn’t matter
• Like,
o Per day amount of
hospitalization
o Heart attack
o Kidney failure
o Bypass surgery, etc.
Financial Planning
267. Repayment Based Policies & Lump Sum Benefits
• Return the actual money
• Upto a limit only
• Like,
o Room charges
o Surgeon
o Oxygen
o Blood
o Operation Theatre
• Return a certain amount only
• Actual spent money doesn’t matter
• Like,
o Per day amount of
hospitalization
o Heart attack
o Kidney failure
o Bypass surgery, etc.
Financial Planning
268. Repayment Based Policies & Lump Sum Benefits
• Return the actual money
• Upto a limit only
• Like,
o Room charges
o Surgeon
o Oxygen
o Blood
o Operation Theatre
• Return a certain amount only
• Actual spent money doesn’t matter
• Like,
o Per day amount of
hospitalization
o Heart attack
o Kidney failure
o Bypass surgery, etc.
Financial Planning
269. Individual & Family Floaters
Features
Cover for Individual
Family Floater
Who’s Covered ?
Only the insured person
Self + Spouse + Kids
Eligibility Criteria
Age 18+ years
Primary insured should be
18+ years age
Insurance Cost
Greater than Family
Floater
Comparatively low
Financial Planning
270. Still, take a cover of your own.
“My Employer provides me health insurance.”
Feel the difference later.
Financial Planning
271. Still, take a cover of your own.
“My Employer provides me health insurance.”
Feel the difference later.
Financial Planning
272. Still, take a cover of your own.
“My Employer provides me health insurance.”
Feel the difference later.
Financial Planning
273. Chapter – 4 of 5
Emergency Funds
Wait! It’s an emergency…..
Financial Planning
274. Chapter – 4 of 5
Emergency Funds
Wait! It’s an emergency…..
Financial Planning
275. Chapter – 4 of 5
Emergency Funds
Wait! It’s an emergency…..
Financial Planning
276. What Kinda Emergencies ?
Debt Crisis ? May be.
Job Loss ? May be.
Hair Loss? No.
Someone close in emergency like, illness?
Others…..
Financial Planning
277. What Kinda Emergencies ?
Debt Crisis ? May be.
Job Loss ? May be.
Hair Loss? No.
Someone close in emergency like, illness?
Others…..
Financial Planning
278. What Kinda Emergencies ?
Debt Crisis ? May be.
Job Loss ? May be.
Hair Loss? No.
Someone close in emergency like, illness?
Others…..
Financial Planning
279. What Kinda Emergencies ?
Debt Crisis ? May be.
Job Loss ? May be.
Hair Loss? No.
Someone close in emergency like, illness?
Others…..
Financial Planning
280. What Kinda Emergencies ?
Debt Crisis ? May be.
Job Loss ? May be.
Hair Loss? No.
Someone close in emergency like, illness?
Others…..
Financial Planning
281. What Kinda Emergencies ?
Debt Crisis ? May be.
Job Loss ? May be.
Hair Loss? No.
Someone close in emergency like, illness?
Others…..
Financial Planning
282. What Kinda Emergencies ?
Debt Crisis ? May be.
Job Loss ? May be.
Hair Loss? No.
Someone close in emergency like, illness?
Others…..
Financial Planning
283. What Kinda Emergencies ?
Debt Crisis ? May be.
Job Loss ? May be.
Hair Loss? No.
Someone close in emergency like, illness?
Others…..
Financial Planning
284. Brush any suitable title here…..
• It’s good to keep aside money for such emergencies.
• Peace of mind you get.
• Two questions can be asked to ourselves:
o How much to keep safe for such situations ?
o How fast can we access it ?
Financial Planning
285. Brush any suitable title here…..
• It’s good to keep aside money for such emergencies.
• Peace of mind you get.
• Two questions can be asked to ourselves:
o How much to keep safe for such situations ?
o How fast can we access it ?
Financial Planning
286. Brush any suitable title here…..
• It’s good to keep aside money for such emergencies.
• Peace of mind you get.
• Two questions can be asked to ourselves:
o How much to keep safe for such situations ?
o How fast can we access it ?
Financial Planning
287. Brush any suitable title here…..
• It’s good to keep aside money for such emergencies.
• Peace of mind you get.
• Two questions can be asked to ourselves:
o How much to keep safe for such situations ?
o How fast can we access it ?
Financial Planning
288. Brush any suitable title here…..
• It’s good to keep aside money for such emergencies.
• Peace of mind you get.
• Two questions can be asked to ourselves:
o How much to keep safe for such situations ?
o How fast can we access it ?
Financial Planning
289. Where to Invest ?
• Savings bank account
• Liquid Funds
• Fixed deposits
• Credit Cards (Not recommended at all)
Unless the situation is of DO or DIE
Financial Planning
290. Where to Invest ?
• Savings bank account
• Liquid Funds
• Fixed deposits
• Credit Cards (Not recommended at all)
Unless the situation is of DO or DIE
Financial Planning
291. Where to Invest ?
• Savings bank account
• Liquid Funds
• Fixed deposits
• Credit Cards (Not recommended at all)
Unless the situation is of DO or DIE
Financial Planning
292. Where to Invest ?
• Savings bank account
• Liquid Funds
• Fixed deposits
• Credit Cards (Not recommended at all)
Unless the situation is of DO or DIE
Financial Planning
293. Where to Invest ?
• Savings bank account
• Liquid Funds
• Fixed deposits
• Credit Cards (Not recommended at all)
Unless the situation is of DO or DIE
Financial Planning
295. Chapter – 5 of 5
Goal Planning
It’s about fulfilling our Monetary Dreams
Financial Planning
296. Two Types of Goals Are Here
Short Term Goals
• Range between 0-5 years
• Includes Tasks Like,
Buying a large LCD TV
Higher Education
Buying a car
Attending a wedding in family
Long Term Goals
• Range beyond 5 years
• Includes Tasks Like,
Buying a new Home
World Tours
Becoming entrepreneur
Education of children
Financial Planning
297. Two Types of Goals Are Here
Short Term Goals
• Range between 0-5 years
• Includes Tasks Like,
Buying a large LCD TV
Higher Education
Buying a car
Attending a wedding in family
Long Term Goals
• Range beyond 5 years
• Includes Tasks Like,
Buying a new Home
World Tours
Becoming entrepreneur
Education of children
Financial Planning
298. Two Types of Goals Are Here
Short Term Goals
• Range between 0-5 years
• Includes Tasks Like,
Buying a large LCD TV
Higher Education
Buying a car
Attending a wedding in family
Long Term Goals
• Range beyond 5 years
• Includes Tasks Like,
Buying a new Home
World Tours
Becoming entrepreneur
Education of children
Financial Planning
299. Two Types of Goals Are Here
Short Term Goals
• Range between 0-5 years
• Includes Tasks Like,
Buying a large LCD TV
Higher Education
Buying a car
Attending a wedding in family
Long Term Goals
• Range beyond 5 years
• Includes Tasks Like,
Buying a new Home
World Tours
Becoming entrepreneur
Education of children
Financial Planning
300. Two Types of Goals Are Here
Short Term Goals
• Range between 0-5 years
• Includes Tasks Like,
Buying a large LCD TV
Higher Education
Buying a car
Attending a wedding in family
Long Term Goals
• Range beyond 5 years
• Includes Tasks Like,
Buying a new Home
World Tours
Becoming entrepreneur
Education of children
Financial Planning
301. Two Types of Goals Are Here
Short Term Goals
• Range between 0-5 years
• Includes Tasks Like,
Buying a large LCD TV
Higher Education
Buying a car
Attending a wedding in family
Long Term Goals
• Range beyond 5 years
• Includes Tasks Like,
Buying a new Home
World Tours
Becoming entrepreneur
Education of children
Financial Planning
302. Two Types of Goals Are Here
Short Term Goals
• Range between 0-5 years
• Includes Tasks Like,
Buying a large LCD TV
Higher Education
Buying a car
Attending a wedding in family
Long Term Goals
• Range beyond 5 years
• Includes Tasks Like,
Buying a new Home
World Tours
Becoming entrepreneur
Education of children
Financial Planning
303. Two Types of Goals Are Here
Short Term Goals
• Range between 0-5 years
• Includes Tasks Like,
Buying a large LCD TV
Higher Education
Buying a car
Attending a wedding in family
Long Term Goals
• Range beyond 5 years
• Includes Tasks Like,
Buying a new Home
World Tours
Becoming entrepreneur
Education of children
Financial Planning
304. Steps Solve the Task
Calculate future value
of the financial goals
Find, how much to invest
per month/year to achieve
the future value
Where to invest ?
Financial Planning
305. Steps Solve the Task
1
Calculate future value
of the financial goals
Financial Planning
306. Steps Solve the Task
1
Calculate future value
of the financial goals
2
Find, how much to invest
per month/year to achieve
the future value
Financial Planning
307. Steps Solve the Task
1
Calculate future value
of the financial goals
2
Find, how much to invest
per month/year to achieve
the future value
3
Where to invest ?
Financial Planning
308. Where to Invest ?
Risk Avoiders
Risk Takers
Short Term Goal
Long Term Goal
• Debt Funds
• Corporate fixed deposits
• Recurring deposits
• Fixed deposits
• Fixed maturity plans
• Equity mutual funds
• Real estate
• Index funds
• Stocks
• Balanced Funds
• Fixed deposits
• Recurring deposits
• Saving bank account
• Balanced Funds
• Fixed deposits
• Gold
• Index funds
• PPF
Financial Planning