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Financial
Planning
Tax
planning
Retirement
planning
Future
planning
Investment
planning
Lifestyle expenses
Saving
Investing
Financial planning
Like a
car
which
can only
run on 4
wheels,
our life
also has
to run
with all
the four
factors.
Income Expenses
Wealth
Life Cover
Health Cover
An individual should have
enough financial cover ; at
least 5 to 10 times of current
income.
As he/she climbs up the
income levels, cover should be
proportionately raised.
Remember, you should be
covered for the whole of your
life and not only a part of it.
Do not be dependent on office
group health cover alone. It
may not be sufficient for
future.
In case of job changes, new
company may not have same
terms as the earlier company.
Make sure your dependent
senior citizens/parents have
adequate health cover.
You can always save taxes
under section 80D for health
insurance premiums.
Children
•Child’s education.
•Child’s future.
Financial
security
•Life insurance cover.
•Health cover.
Future
•Plan for retirement.
•Plan for regular income.
Investment
Rs 10,000
PM
Mr. Arun @
30 years* @
9%
Mr. Varun @
35 years* @
12%
Mr. Tarun @
40 years* @
15%
Mr. Arun accumulates Rs 67.30
Lacs @ 9% over 20 years.
Mr. Varun accumulates Rs
50.45 Lcs @ 12% over 15
years .
Mr. Tarun accumulates Rs.
27.86 lacs @ 15% over 10
years.
START EARLY, Power of compounding is @ work very
silently… Mr. Arun just by starting early has
accumulated more than the other two, though his
yield is the lowest of the three….
Investment
Rs 10,000
PM
Mr. Arun
@ 30 years
@ 15%
Mr. Varun
@ 30 years
@ 12%
Mr. Tarun
@ 30 years
@ 9%
Mr. Arun accumulates Rs 1.52
Crores @ 15% over 20 years.
Mr. Varun accumulates Rs. 1
Crore @ 12% over 20 years .
Mr. Tarun accumulates Rs.
67.30 lacs @ 9% over 20
years.
Don’t just START EARLY, but start
SMARTLY… Mr. Arun just by starting early
and smartly has multiplied his money….
Goals
Objectives
Products
Don’t leave money in the bank a/c which
earns just about 4 - 6%.. You work hard for
your money, make your money work hard
for you…
Have a monthly saving and investing plan
through EMI…
Having ample life insurance is vital to one’s
financial security …
It’s important to understand the power of
compounding which is working very
silently…
Inflation is a monster, which can swallow
the hard earned money…
Specific, measurable, attainable, relevant
and timed goals for successful financial
future…
Financial planning is all about knowledge…
Hence the importance of a financial
planner…
`
• Financial Planning Coach.
• Founder and CEO
Gopalakrishnan V
Money Avenues
+91 9 55 11 55 11 6
www.moneyavenues.co.in

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