This document outlines an agenda for a presentation on personal financial planning. The presentation covers building a strong financial foundation through health and life insurance. It emphasizes the importance of setting goals and priorities to guide investment decisions. Short term goals are suited for low risk debt funds and FDs, while long term goals require higher risk equity funds. Professional financial advisors can help due to the complexity of products and lack of time and expertise for individuals. The presentation provides a framework for financial planning focused on protection, goals, asset allocation, and using advisors.
Annuities are hard to understand for most retirees, this easy to read booklet explains the new types of annuities and the amazing features they have. Whether you’re looking to purchase an annuity or want information on your current annuities, this booklet provides all the answers you may be looking for.
SB'12 - Reinventing Wall Street – and Business’s Relationship to It (Co-Creat...Sustainable Brands
At Sustainable Brands 2012 in San Diego more than 15 collaborative teams, emerging from the ideas of the attendees, designed innovative initiatives for a more sustainable society – especially those where business and brands can lead the way. A team of thought leaders – including executives from Johnson & Johnson to TruCost – shared a short-list of actions to reinvent business’s relationship to Wall Street.
Annuities are hard to understand for most retirees, this easy to read booklet explains the new types of annuities and the amazing features they have. Whether you’re looking to purchase an annuity or want information on your current annuities, this booklet provides all the answers you may be looking for.
SB'12 - Reinventing Wall Street – and Business’s Relationship to It (Co-Creat...Sustainable Brands
At Sustainable Brands 2012 in San Diego more than 15 collaborative teams, emerging from the ideas of the attendees, designed innovative initiatives for a more sustainable society – especially those where business and brands can lead the way. A team of thought leaders – including executives from Johnson & Johnson to TruCost – shared a short-list of actions to reinvent business’s relationship to Wall Street.
The Anti-annuity is Single Premium Indexed Universal Life. We explain its primary uses, its tax saving abilities and how it can be used with annuities or qualified money. The Anti-Annuity works similar to an annuity however your money is liquid. The purpose of this book is to help you understand how the Anti-Annuity works, so that you will be educated and make the right choice if you choose to use this powerful tax-saving tool.
Garvin Jones, Director – Superannuation & Business Solutions, Hill Rogers updates key changes to the superannuation environment including:
- Last chance to take advantage of 'generous' contributions?
- Busting common myths
- Key actions before 30 June
- Over $1.6m? - leave or withdraw & invest outside of super
- 2017 budget announcements
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.
Albert Einstein said,“Compound interest is the eighth wonder of the world. He who understands it, earns it ... he who doesn't ... pays it.”
The Rule of 72 gives you a short and easy way to calculate your return by letting you know how long it will take to double your money. It's short, simple and a real eye opener.
The Anti-annuity is Single Premium Indexed Universal Life. We explain its primary uses, its tax saving abilities and how it can be used with annuities or qualified money. The Anti-Annuity works similar to an annuity however your money is liquid. The purpose of this book is to help you understand how the Anti-Annuity works, so that you will be educated and make the right choice if you choose to use this powerful tax-saving tool.
Garvin Jones, Director – Superannuation & Business Solutions, Hill Rogers updates key changes to the superannuation environment including:
- Last chance to take advantage of 'generous' contributions?
- Busting common myths
- Key actions before 30 June
- Over $1.6m? - leave or withdraw & invest outside of super
- 2017 budget announcements
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.
Albert Einstein said,“Compound interest is the eighth wonder of the world. He who understands it, earns it ... he who doesn't ... pays it.”
The Rule of 72 gives you a short and easy way to calculate your return by letting you know how long it will take to double your money. It's short, simple and a real eye opener.
This presentation is an introduction to Month 7 of our Global Markets Coaching Program. The Global Markets Coaching program facilitates business growth and development between developed and emerging countries - for entrepreneurs, innovators and business leaders - particularly by our unique coaching program.
This presentation is to communicate ideas and information that will help you build financial security. We define financial security as a feeling of confidence that you will achieve your financial goals through the actions you are taking today.
Significant cost increases. Decreasing benefits. Lack of control. If this is your employee benefits story, then we invite you to consider alternative ways to fund your benefits program.
Captives bring a slew of benefits, including more control, long-term cost savings, and the potential to earn dividends. Most importantly, it puts you in charge of your benefits program's performance.
Shawn Lanter from Berkley Accident and Health digs into what a captive is, why they exist, and how they could work for you.
Our response to the growing savings gap and why 3PPS is the only plausible solution that could help. View the presentation circulated at the CSFI round table event discussing the Savings Gap.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@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
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
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
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
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
2. Agenda
• INTRODUCTION
• BUILDING THE FOUNDATION
• BEGIN WITH END GOAL IN MIND
• SET YOUR PRIORITIES RIGHT
• NEED FOR A PROFESSIONAL ADVISOR
• ABOUT US
4. THE CURRENT AGE MINDSET
• JOBS NO LONGER FOR THE LIFE TIME – YOUNGSTERS
WANT TO RETIRE EARLY
• HIGHER ACCESSIBILITY TO FINANCE: PROPERTY, CAR,
LIFESTYLE
• HIGHER STRESS LEVELS
• HIGHER ASPIRATIONS
• GREATER INFORMATION AVAILABILITY
• EMPHASIS ON LIVING FOR THE DAY
5. ASPIRE – BELIEVE - ACTION
ASPIRE
• For the perfect physical health
• Great financial life (house, car, holidays)
BELEIVE
• How many believe that exercise is good for health?
• How many believe that saving regularly can make you
rich?
ACTION
• How many save regularly?
• How many here exercise regularly?
9. BUILDING THE FOUNDATION
• How many of you have had your immediate family member
admitted to a hospital?
• How many of you had a friend or relative admitted to a hospital
recently?
• Facts:
• India is the Diabetes capital of the world.
• Diabetes is growing faster among woman.
• The average age in which a person may suffer a heart
attack has come down from 40 years to 30 years
• The World Health Organization has revealed in its first ever
Global Status Report on Road Safety that more people die
in road accidents in India than anywhere else in the world -
(Aug 2009)
10. BUILDING THE FOUNDATION
Age Sum Insured Premium
36-45 (2A+2C) 3L + 5L 16413
36-45 (2A) 3L + 5L 10777
Health Insurance is a must for all families
Earlier the cover is taken, better is the coverage
Products available to cover health insurance upto Rs. 50L
Tax Benefit available u/s 80D
11. BUILDING THE FOUNDATION
How many of you have life insurance policies?
How many of you think you are sufficiently covered?
The Insurance 3 steps covering process:
• Liability Protection – Risk Product
• Expense Protection – Risk Product
• Goal Protection – Risk & Savings Product
12. BUILDING THE FOUNDATION
Age 35 / Dependent 65 – Expense Protection
Monthly Expenses Insurance Required @ 10%
25000 55.34L
50000 110.69L
100000 221.38L
Age 35 / Dependent 75 – Expense Protection
Monthly Expenses Insurance Required @ 10%
25000 63.75L
50000 127.50L
100000 255.00L
13. BUILDING THE FOUNDATION
Age Sum Assured Term Endowment
Insurance
25 50L 6685 155288
35 50L 10084 215670
45 50L 16685 433522
Term insurance is the best risk mgmt product.
Combination of Term with PPF, give better returns as compared
to Endowment Policies.
17. SMART – FINANCIAL GOALS
• SPECIFIC
• MEASURABLE
• ACTIONABLE
• RELEVANT
• TIME BOUND
18. SMART – FINANCIAL GOALS
Goal Amount Required (Today’s Value) No of years
Education 25 lakhs 15
Goal Value in Future
Education 60 lakhs
Return Monthly Savings Required Investment Type
8% 17000 No Risk
10% 14500 Low Risk
12% 12000 High Risk
15% 9000 High Risk
19. GOLDEN RULES OF INVESTING - DISCIPLINE
Current Age 30 45
Retirement Age 60 60
Life Expectancy 75 75
Monthly Expenses Required 35000 35000
Retirement Corpus Rs. 3.37 Cr 1.40 Cr
Monthly Savings 14921 33955
21. SETTING YOUR PRIORITIES RIGHT
Current Inflated Monthly
Goal Year Value Returns Value Savings
House 2017 2,500,000 8% 3,345,564 45,532
Car 2015 750,000 8% 893,262 22,037
Graduation 2027 1,500,000 10% 3,594,837 8,673
Post Graduation 2030 2,000,000 10% 5,708,678 9,506
23. SETTING YOUR PRIORITIES RIGHT
Product Time Risk Expected Liquidit Taxation
Type Horizon Returns y
Liquid MF 15 days – Low 6-9% High Better then FDs / SB
3 mths
Debt MF 3 mths – 3 Low 8-10% High Better then FDs / SB
years
Equity MF 5 years + High 12-15% High Tax Free after 12
mths
PPF 15 years Low 8% Low Tax Free
Corporate 12 mths – Low 9-11% Low As per slab
FDs (AAA) 3 years
24. RECAP
• Stronger the Foundation, Better Prepared your are for risk
• Goals help us choose better, avoid bad products
• Prioritizing helps in better execution
• Choosing the right asset classes, is not only about returns
• Don’t wait for perfection, start now
25. RECAP
Step Need Action
Building a strong Ensuring Risk Protection Term Insurance, Health
foundation Insurance
Beginning with an end in Goals – Education Term + PPF, Term + MF,
Mind ULIP
Beginning with an end in Goals – Retirement PPF / MF
Mind
Short Term Goals Low Risk Debt Funds / FDs
Long Term Goals Low Risk Debt Funds / PPF /
Bonds / Tax Free Bonds
Long Term Goals High Risk Equity Mutual Funds /
Shares
27. Need for Professional Advice
• Lack of time
• Lack of competency
• Plethora of products
• Agents oriented towards selling products
• Motivation – Advisors add value