Have you always wanted to save but never got to it due to one reason or the other? Well, its never to late or early to start saving. What you do today with your money will determine how fast it will grow.
Have you always wanted to save but never got to it due to one reason or the other? Well, its never to late or early to start saving. What you do today with your money will determine how fast it will grow.
Know how venture capitalists value your deal....understand how they are compensated...see what creates value and how investors assess your "risk factors."
A great slide show presentation that provides solid answers to many of these essential questions Check out mikeklein2010.wordpress.com
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/".
This presentation is made by students of ACPCE - Anamika Mishra, Kirti Karawde, Prathamesh Mahadik, and Ritik Kale.
This presentation introduces the concept of financial literacy to the young generation. It also gives tips on how to go from financially crippled to financially able.
Startup Investing 101 - Learn how to invest in startups.
As one of the leading online startup investing marketplaces, Onevest's vision is to make investing in privately held companies easy by providing a gold standard in deal flow that matches your specific areas of interest. You tell us what you like, and we deliver just that.
Webinar Agenda
Top four most asked questions by newbie startup investors.
1. How do I compare startups to determine most attractive opportunity?
2. What type of due diligence should I do before making an investment?
3. What happens after I invest in the startup?
4. What type of return on investment can I expect?
Financial Literacy Seminar for Secondary School StudentsLaja Shoniran
Financial illiteracy and ignorance about money management are major reasons for recurring poverty. Teaching young people in secondary schools about money management creates a new generation of people who are money smart and financia;lly literate
Financial Empowerment Seminar with focus on
1. Causes of Business Failures
2. Retirement Planning /Life after Work-Life
3. Overcoming Financial Challenges in Retirement
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.
How to Start a Successful Small Business: Tips to Startup EntrepreneursPowerHomeBiz.com
What do you need to successfully start a small business? Here’swhat a startup entrepreneur needs to do to increase chances for success. For complete article visit http://www.powerhomebiz.com/blog/2010/05/tips-to-startup-small-business-entrepreneurs/
Personal Finance: Budgeting & Psychology of Spending by @PhroogalJason Vitug
Budgeting is an important and vital part of personal finance. The seminar focuses on the importance of mindset to create and stick to a budget. It examines the psychology of spending and our relationship with money. The goal is to educate attendees on key budgeting terms, motivations, pitfalls and the steps to start a budget.
A budget is a spending plan that you decide upon. It is based on how much you make in income and what your monthly expenses are. By understanding your monthly income and expenses, you will be better able to manage your cash flow and determine how much debt, if any, you can assume.
Investment Opportunities for Members and Co-operatives.Co-operatives
Some of the investment opportunities co-operatives and individual members can exploit. This was a presentation made to a Savings and Credit Co-operative Society, Sacco.
Kiambu county co operative societies bill 2015Co-operatives
Purpose -establishment of legal and institutional framework for registration and regulation of co-operative societies in order to-
Promote growth and development
Enhance good governance
Promote local economic growth and development
Promote the realization of Article 36 of the Constitution on freedom of association.
Know how venture capitalists value your deal....understand how they are compensated...see what creates value and how investors assess your "risk factors."
A great slide show presentation that provides solid answers to many of these essential questions Check out mikeklein2010.wordpress.com
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/".
This presentation is made by students of ACPCE - Anamika Mishra, Kirti Karawde, Prathamesh Mahadik, and Ritik Kale.
This presentation introduces the concept of financial literacy to the young generation. It also gives tips on how to go from financially crippled to financially able.
Startup Investing 101 - Learn how to invest in startups.
As one of the leading online startup investing marketplaces, Onevest's vision is to make investing in privately held companies easy by providing a gold standard in deal flow that matches your specific areas of interest. You tell us what you like, and we deliver just that.
Webinar Agenda
Top four most asked questions by newbie startup investors.
1. How do I compare startups to determine most attractive opportunity?
2. What type of due diligence should I do before making an investment?
3. What happens after I invest in the startup?
4. What type of return on investment can I expect?
Financial Literacy Seminar for Secondary School StudentsLaja Shoniran
Financial illiteracy and ignorance about money management are major reasons for recurring poverty. Teaching young people in secondary schools about money management creates a new generation of people who are money smart and financia;lly literate
Financial Empowerment Seminar with focus on
1. Causes of Business Failures
2. Retirement Planning /Life after Work-Life
3. Overcoming Financial Challenges in Retirement
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.
How to Start a Successful Small Business: Tips to Startup EntrepreneursPowerHomeBiz.com
What do you need to successfully start a small business? Here’swhat a startup entrepreneur needs to do to increase chances for success. For complete article visit http://www.powerhomebiz.com/blog/2010/05/tips-to-startup-small-business-entrepreneurs/
Personal Finance: Budgeting & Psychology of Spending by @PhroogalJason Vitug
Budgeting is an important and vital part of personal finance. The seminar focuses on the importance of mindset to create and stick to a budget. It examines the psychology of spending and our relationship with money. The goal is to educate attendees on key budgeting terms, motivations, pitfalls and the steps to start a budget.
A budget is a spending plan that you decide upon. It is based on how much you make in income and what your monthly expenses are. By understanding your monthly income and expenses, you will be better able to manage your cash flow and determine how much debt, if any, you can assume.
Investment Opportunities for Members and Co-operatives.Co-operatives
Some of the investment opportunities co-operatives and individual members can exploit. This was a presentation made to a Savings and Credit Co-operative Society, Sacco.
Kiambu county co operative societies bill 2015Co-operatives
Purpose -establishment of legal and institutional framework for registration and regulation of co-operative societies in order to-
Promote growth and development
Enhance good governance
Promote local economic growth and development
Promote the realization of Article 36 of the Constitution on freedom of association.
Investments By Co-operatives and MembersCo-operatives
A presentation on investment in co-operatives especially to Saccos (Savings and Credit Co-operative Societies). The main objective of the Saccos is to promote thrift among their members by affording them an opportunity to accumulate their savings and access loans at affordable interest rates. It is therefore prudent for Saccos to invest wisely and according to Co-operatives Societies Act Cap 490.
Your ticket to financial freedom doesn’t lie in getting a raise or enlisting services of a personal financial consultant. Your ticket to financial freedom lies in mastering basic money management.
Strategic Planning in co-operative societies is one of most important activity that sets the stage for growth and development of a co-operative society.
I'm looking for 2 people that want to change their current situation.
See how $18, one time, can change your situation in one year. There is strength in numbers. Teamwork makes the dream work. Take a look here >>> http://tinyurl.com/kb7luuf
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This set of slides are designed for test item constructors/teachers. The slides focus on using authentic materials in item construction, and how to use mobile learning/teaching application (SOCRATIVE) to administer the test items.
Investing Rules You Should Never Break is a concise and practical guide that provides investors with essential principles for successful and sustainable investing. This e-book covers the fundamental rules that every investor should follow to avoid costly mistakes and achieve their financial goals.
The book offers insights and advice on how to create a diversified investment portfolio, manage risks, and maximize returns. It also includes strategies for managing emotions and avoiding common behavioral biases that can lead to poor investment decisions.
Investing Rules You Should Never Break is an excellent resource for both novice and experienced investors who want to improve their investment outcomes. The tips and strategies presented in this e-book are actionable and backed by research, making it a reliable guide for anyone seeking to invest wisely and profitably.
Our guide to wealth creation will help you manage your money the right way and plan for the life you want. We will help you create a strategy that will play a vital role in your financial future.
Women can't afford to avoid investing, but they don't have to do it alone either. Do your due dilligence on selecting a financial advisor who actually has additional credentials beyond just being licensed to sell you an investment. Ask the advisor how long they have been in the business, and what have they done to become a better advisor since they started. Just because someone has been in the business 15 years, doesn't mean they haven't simply repeated the first year 14 other times!
Investing basics for beginners_ Investing 101.pptxBright Money
Investing basics for beginners: Investing 101
Why is investing important?
● Investing is an important part of financial well-being.
● It’s how most people plan and pay for major milestones - by investing with specific
goals in mind, like education expenses, buying a home, transitioning to retirement
and other big achievements and transitions.
● Investing works, making big-ticket expenses possible, because the money you’ve
invested grows and earns more than funds kept in most savings accounts.
What is a portfolio?
● Investments are typically bundled together in what’s called a “portfolio.”
● That’s a fancy Wall Street metaphor for the investments you've chosen, as if you kept
all your investments in a notebook or portfolio folder.
● You’ll review the investments in your portfolio both individually and collectively, to
make sure each one is working as expected and together they’re performing to meet
your goals, growing at their expected pace.
What is a mutual fund?
● The most common start point for beginner investors is a mutual fund.
● A mutual fund is a portfolio of investments that pools your money with other investors
to purchase a selection of stocks, bonds and other securities.
● Among investment options, mutual funds are the most widely used.
● Mutual funds are ideal if you're investing for a retirement plan, because they're built to
minimize fluctuations in earnings and grow more over the long term.
● A common type of mutual fund is an index fund, also known as ETFs (or "exchangetraded funds").
What is risk tolerance?
● Risk tolerance is your willingness to endure big swings in the market.
● It's your appetite for risk - how much are you willing to potentially lose in order to
potentially earn more?
● For example, some index funds are riskier than others, requiring a high tolerance.
● How much can you afford to lose without it impacting your financial security?
● Which means you’re at risk of losing some or all of the money you’ve invested,
depending on how the investment’s value moves.
What is risk tolerance?
● There are both upsides and downsides to risk. The more risk you’re willing to take, the more you’re likely to earn more - and the more you could lose, depending on the investment’s performance.
● As you start to invest - on your own or with an advisor, or even if you’ve already started - take time to measure your tolerance for risk.
What is diversification?
● One of the best ways to boost your risk tolerance - and the potential to earn more - is
to diversify your investments, keep a balanced mix of potential high-risk high earners
and more reliable, low-risk investments.
● Asset allocation is how you find the right balance - ensuring your money is distributed
between different types of investments with different types of risk.
● A simple way to explain it: “don’t put all your eggs in one basket.”
● With an investment portfolio, that means ensuring your money is invested in different
tools, across different sectors
The Beginner's Guide to Investing: Understanding Your Risk ToleranceErica Hill
Understanding your risk tolerance is key to starting the process of investing money to earn financial rewards. Learn how to assess and evaluate them here!
The beginner's guide to investing intelligently from the start! From the stock market to real estate! Tips, suggestions, strategies, discussions, things to beware of and more!
Never make a bad investment or lose your money again!
This is a presentation to co-operatives on strategic planning. The process of coming up with a strategic plan is as important as the final document. It is critical that co-operatives participate fully in drafting their own strategic plans and coming up with final document that they own and can implement.
Strategic plans are critical for co-operatives to prioritize what they want to achieve and within what time period.
Co-operative societies, Sacos, Housing, Investmet, Marketing, etc need to come up with Business Plans to guide in running the co-operative business or help in raising funds, seeking credit, etc..
Standard operating procedures for co operativesCo-operatives
In military terminology it is used to describe a procedure or set of procedures to perform a given operation or evolution or in reaction to a given event. In General, SOP is a set of instructions having the force of a directive, covering those features of operations that lend themselves to a definite or standardized procedure without loss of effectiveness. Procedure is a specified way to carry out an activity or a process.
The reason for saving, challenges of saving money. Funds mobilization is one of the challenges in a co-operative society. Security of savings in a co-operative society is paramount.
Credit/Loan Policy of a co-operative society guidelines. The purpose of a loan policy, procedures of approving loans, guarantor-ship/loan security, etc.
These are the principles of co-operatives and form the foundation of the movement. I regard Education, Training and Information as the most important principles of co-operatives!!
This is the time all co-operatives that have their financial year as 1st January to 31st December are holding their annual general meetings. Members' expectations of course is tied to interest on deposit and dividends. People are making calls to know what percentages they are getting for the previous financial year.
“The people’s welfare can best be secured by institutions organized by the people themselves, because these institutions are most likely to possess the characteristics that appeal to the people and therefore the stability to perpetuate their services”-
Alphonse Desjardins
EXAMPLE OF LENDING REQUIREMENTS IN A SACCO SOCIETYCo-operatives
This is an example of lending requirements in Sacco societies and most requirements here might be the same and some could be slightly different. This example captures majority of lending requirements in Sacco Societies across the country so I can safely say!
EXAMPLE OF A SWOT ANALYSIS OF A SACCO SOCIETYCo-operatives
Saccos need to put strategic plans in place. SWOT analysis is a great tool in aiding in the process of making one. This is just an example and I bet Saccos and other types co-operatives face or have different strengths, weaknesses, opportunities, and threats.
2. ü What Is Investing?
ü The Concept of Compounding
ü Knowing Yourself
ü Preparing for Contradictions
ü Types of Investments
ü Portfolios and Diversification
TOPICS
3. üThe act of committing money or capital to an
endeavour with the expectation of obtaining
an additional income or profit.
üIt's actually pretty simple: investing means
putting your money to work for you.
üEssentially, it's a different way to think about
how to make money.
WHAT IS INVESTING?
4. ØGrowing up, most of us were taught that you can earn an
income only by getting a job and working.
ØAnd that's exactly what most of us do.
ØYou can't create a duplicate of yourself to increase your
working time, so instead, you need to send an
extension of yourself - your money - to work.
ØThat way, while you are putting in hours for your
employer, or even sleeping, reading the paper or
socializing with family and friends, you can also be
earning money elsewhere.
What Is Investing? Cont’d
5. ØQuite simply, making your money work for you
maximizes your earning potential whether or
not you receive a raise, decide to work
overtime or look for a higher-paying job
What Is Investing? Cont’d
6. Investing is not gambling.
Gambling is putting money at risk by
betting on an uncertain outcome with
the hope that you might win money.
What Investing Is Not
7. üInvesting doesn't happen without some action on your part.
üA "real" investor does not simply throw his or her money at
any random investment; he or she performs thorough
analysis and commits capital only when there is a
reasonable expectation of profit.
üYes, there still risk, and there are no guarantees, but
investing is more than simply hoping Lady Luck is on your
side.
What Investing Is Not Cont’d
8. Obviously, everybody wants more money. It's
pretty easy to understand that people invest
because they want to increase their personal
freedom, sense of security and ability to afford
the things they want in life.
Why Bother Investing?
9. üInvesting is becoming more of a necessity.
üThe days when everyone worked the same job
for 30 years and then retired to a nice fat
pension are gone.
üFor average people, investing is not so much a
helpful tool IT’S the only way they can retire
and maintain their present lifestyle.
Why Bother Investing? Cont’d
10. üAlbert Einstein called compound interest "the
greatest mathematical discovery of all time".
ü This is true partly because, unlike the
trigonometry or calculus you studied back in
secondary school, compounding can be
applied to everyday life.
THE CONCEPT OF COMPOUNDING
11. üCompounding transforms your working money into a
state-of-the-art, highly powerful income-generating tool.
üCompounding is the process of generating earnings on an
asset's reinvested earnings.
üTo work, it requires two things: the re-investment of
earnings and time.
ü The more time you give your investments, the more you
are able to accelerate the income potential of your
original investment, which takes the pressure off of you.
The Concept Of Compounding Cont’d
12. üJust like investing maximizes your earning
potential, compounding maximizes the earning
potential of your investments –
üBUT remember, because time and reinvesting
make compounding work, you must keep your
hands off the principal and earned interest.
The Concept Of Compounding Cont’d
13. üIT CANNOT BE EMPHASISED enough that success
depends on ensuring that your investment strategy
fits your personal characteristics.
üEven though all investors are trying to make money,
each one comes from a diverse background and has
different needs.
üIt follows that specific investing vehicles and methods
are suitable for certain types of investors.
KNOWING YOURSELF
14. üAlthough there are many factors that determine
which path is optimal for an investor, we'll look at
two main categories:
1. investment objectives and
2. investing personality.
Knowing Yourself cont’d
15. Generally speaking, investors have a few factors to
consider when looking for the right place to park
their money. Safety of capital, current income
and capital appreciation are factors that should
influence an investment decision and will depend
on a person's age, stage/position in life and
personal circumstances.
Knowing Yourself cont’d
Investment Objectives
16. üA 75-year-old widow living off of her retirement portfolio is far
more interested in preserving the value of investments than a
30-year-old business executive would be.
üBecause the widow needs income from her investments to
survive, she cannot risk losing her investment.
üThe young executive, on the other hand, has time on his or her
side.
üAs investment income isn't currently paying the bills, the
executive can afford to be more aggressive in his or her
investing strategies.
Knowing Yourself cont’d
Investment Objectives
17. üAn investor's financial position will also affect his or her
objectives.
üA multi-millionaire is obviously going to have much
different goals than a newly married couple just starting
out.
üFor example, the millionaire, in an effort to increase his
profit for the year, might have no problem putting down
Kshs. 1,000,000 in a speculative real estate investment.
üTo him, a million is a small percentage of his overall worth.
Knowing Yourself cont’d
Investment Objectives
18. As a general rule, the shorter your time horizon, the
more conservative you should be. For instance, if you
are investing primarily for retirement and you are still in
your 20s, you still have plenty of time to make up for
any losses you might incur along the way.
Knowing Yourself cont’d
Investment Objectives
19. üOn the other hand, if you are about to retire, it is very
important that you either safeguard or increase the
money you have accumulated.
üBecause you will soon be accessing your investments,
you don't want to expose all of your money
to volatility.
Knowing Yourself cont’d
Investment Objectives
20. What's your style? Do you love fast cars,
extreme sports and the thrill of a risk? Or do
you prefer reading while enjoying the
calmness, stability and safety of your home?
Knowing Yourself cont’d
Personality
21. üPeter Lynch, one of the greatest investors of all time, has
said that the "key organ for investing is the stomach, not
the brain".
üIn other words, you need to know how much volatility you
can stand to see in your investments.
üFiguring this out for yourself is far from an exact science; but
there is some truth to an old investing maxim: you've taken
on too much risk when you can't sleep at night because you
are worrying about your investments.
Knowing Yourself cont’d
Personality
22. üAnother personality trait that will determine your investing
path is your desire to research investments.
üSome people love nothing more than digging into financial
statements and crunching numbers.
üTo others, the terms balance sheet, income statement and
stock analysis sound as exciting as watching paint dry.
üOthers just might not have the time to plough
through prospectuses and financial statements.
Knowing Yourself cont’d
Personality
23. üAn important fact about investing is that there are no
indisputable laws, nor is there one correct way to go
about it.
üFurthermore, within the vast array of different
investing styles and strategies, two opposite
approaches may both be successful at the same
time.
PREPARING FOR CONTRADICTIONS
24. üOne explanation for the appearance of contradictions in
investing is that economics and finance are social (or soft)
sciences.
üIn a hard science, like physics or chemistry, there are precise
measurements and well-defined laws that can be replicated
and demonstrated time and time again in experiments.
üIn a social science, it's impossible to "prove" anything. People
can develop theories and models of how the economy
works, but they can't put an economy into a lab and
perform experiments on it.
Preparing For Contradictions Cont’d
25. üIn fact, humans, the main subject of the study of the social
sciences are unreliable and unpredictable by nature.
üJust as it is difficult for a psychologist to predict with 100%
certainty how a single human mind will react to a particular
circumstance, it is difficult for a financial analyst to predict
with 100% certainty how the market (a large group of
humans) will react to certain news about a company.
üHumans are emotional, and as much as we'd like to think we
are rational, much of the time our actions prove otherwise.
Preparing For Contradictions Cont’d
26. üEconomists, academics, research analysts, fund
managers and individual investors often have
different and even conflicting theories about why
the market works the way it does.
üKeep in mind that these theories are really nothing
more than opinions. Some opinions might be better
thought out than others, but at the end of the day,
they are still just opinions.
Preparing For Contradictions Cont’d
27. üAlthough these theories appear to contradict one
another, each strategy has its merits and may
have aspects that are suitable for certain investors
(growth investor and value investor.)
üYour goal is to be informed enough to understand
and analyse what you hear. Then you can decide
which theories fit with your investing personality.
Preparing For Contradictions Cont’d
28. To decide which investment vehicles are
suitable for you, you need to know their
characteristics and why they may be suitable
for a particular investing objective.
TYPES OF INVESTMENTS
29. üBonds
Grouped under the general category called fixed-
income securities
üA bond is a debt investment in which an investor loans
money to an entity (typically corporate or governmental)
which borrows the funds for a defined period of time at a
variable or fixed interest rate.
üWhen you purchase a bond, you are lending out your
money to a company or government
Types Of Investments Cont’d
30. üThe main attraction of bonds is their relative safety.
üIf you are buying bonds from a stable government,
your investment is virtually guaranteed, or risk-free.
üThe safety and stability, however, come at a cost.
Because there is little risk, there is little potential
return.
üThe rate of return on bonds is generally lower than
other securities.
ü
Types Of Investments Cont’d