This document discusses the importance of actively managing personal finances for a secure retirement. It begins by contrasting passive savers, who focus only on compulsory savings, with active investors, who take a proactive approach to understanding investments and achieving financial goals. Key points include the power of regular, long-term investing and compound returns. It provides tips for asset allocation based on investment timelines and compares fixed income and equity investment options. The document emphasizes understanding taxes and returns, diversifying risk appropriately, and leveraging online resources to make informed financial decisions. The overall message is that individuals should take an active role in their financial wellness, just as they do for physical health.
A comprehensive guide book on Savings and InvestmentDeepika Jha
Lean the following with this guidebook -
1. Key differences between Saving and Investment
2. Basics of Investment Planning
3. Financial Plan - Concepts & factors for Success
4. How to plan for your life-stage
Introduction to investing - for young adultsAbhijit Pal
Introduction to the world of investing - for kids. Generally the web is full of information, but it is difficult to get hold of a presentation, which will help young adults to understand the varieties of investment. It is important to have understanding of investment 101, before attaining the age of investment.
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: 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, ...
In every movie, at the end everything goes well and movie ends happily and if it didn’t, then... "Picture abhi baaki hai mere dost"
How happy we’ll be if our life turns out to be like a movie, no? But the truth is … Life is not a movie. We all know about the hardship and struggle of life. But YES, if we plan our finances and manage it properly then we can surly make the story of our life “Happy".
So where ever you are and in whatever condition, let's start planning our finance because."Picture abhi baaki hai mere dost...". We at financial Hospital is coming with a session on how to plan and where to find safe heaven for your finance. Read on to make yourself a super hero of your own life movie.
A comprehensive guide book on Savings and InvestmentDeepika Jha
Lean the following with this guidebook -
1. Key differences between Saving and Investment
2. Basics of Investment Planning
3. Financial Plan - Concepts & factors for Success
4. How to plan for your life-stage
Introduction to investing - for young adultsAbhijit Pal
Introduction to the world of investing - for kids. Generally the web is full of information, but it is difficult to get hold of a presentation, which will help young adults to understand the varieties of investment. It is important to have understanding of investment 101, before attaining the age of investment.
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: 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, ...
In every movie, at the end everything goes well and movie ends happily and if it didn’t, then... "Picture abhi baaki hai mere dost"
How happy we’ll be if our life turns out to be like a movie, no? But the truth is … Life is not a movie. We all know about the hardship and struggle of life. But YES, if we plan our finances and manage it properly then we can surly make the story of our life “Happy".
So where ever you are and in whatever condition, let's start planning our finance because."Picture abhi baaki hai mere dost...". We at financial Hospital is coming with a session on how to plan and where to find safe heaven for your finance. Read on to make yourself a super hero of your own life movie.
It is believed that doctors earn a decent amount, however, they are poor in financial planning. It is common to see doctors getting "cheated or talked into" unwise investments, which they later regret. This presentation looks at various investment options (suitable for Indian doctors).
Just starting out on your investment journey?
Or have you been investing for a while and need a refresher?
A smart investor takes the time to be clear on the basic principles of investing and uses these to improve investing skills over time and more importantly, to avoid the costly pitfalls. And a smart investor doesn't rely on good luck. Instead, they take the time to consider their investment goals. Then they develop a plan and choose investments that align with their needs and objectives.
This workshop will cover the following areas:
Taking control!
Your money and your life
Savings and investments
Risk and diversification
Investment strategies
Managed fund, shares and property
By attending this session you will gain a better understanding of the fundamental investment principles such as gearing, asset allocation, diversification, dollar cost averaging & compounding. You will leave with a deeper understanding of these concepts which can help you, as an investor, avoid making mistakes and losing substantial sums of money.
Giving you greater confidence, peace of mind and ultimately better financial outcomes
Nick Gahan
Senior Financial Advisor
Nick is passionate about holistic advice encompassing superannuation (including SMSFs), personal insurance, investments, estate planning, retirement planning and social security and ensuring his clients are receiving comprehensive advice.
A General awareness session designed to give participants a better understanding about savings and various investment options available in the Indian context.
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.
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.
It is believed that doctors earn a decent amount, however, they are poor in financial planning. It is common to see doctors getting "cheated or talked into" unwise investments, which they later regret. This presentation looks at various investment options (suitable for Indian doctors).
Just starting out on your investment journey?
Or have you been investing for a while and need a refresher?
A smart investor takes the time to be clear on the basic principles of investing and uses these to improve investing skills over time and more importantly, to avoid the costly pitfalls. And a smart investor doesn't rely on good luck. Instead, they take the time to consider their investment goals. Then they develop a plan and choose investments that align with their needs and objectives.
This workshop will cover the following areas:
Taking control!
Your money and your life
Savings and investments
Risk and diversification
Investment strategies
Managed fund, shares and property
By attending this session you will gain a better understanding of the fundamental investment principles such as gearing, asset allocation, diversification, dollar cost averaging & compounding. You will leave with a deeper understanding of these concepts which can help you, as an investor, avoid making mistakes and losing substantial sums of money.
Giving you greater confidence, peace of mind and ultimately better financial outcomes
Nick Gahan
Senior Financial Advisor
Nick is passionate about holistic advice encompassing superannuation (including SMSFs), personal insurance, investments, estate planning, retirement planning and social security and ensuring his clients are receiving comprehensive advice.
A General awareness session designed to give participants a better understanding about savings and various investment options available in the Indian context.
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.
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.
Why Mutual Fund
Sahi Hai?How do you get the Retu
rns in
Mutual Funds?
What is Systematic
Investment Plan (SIP)
in Mutual Fund ?
Nifty started with a dull note at 16887, on 3rd October 2022 but closed at 18012
Avoid Dreadful Mistakes While Investing in Mutual FundsInvestmentz
If you don’t balance your earnings and spending, you will never save enough to invest which is a sure way to crash-land since you will never know when you ran out of fuel.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@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
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
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
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 can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
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.
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
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
2. The purpose of this slide deck is to bring and enhance awareness in the area of managing personal finance.
The way awareness about body and life style habits help in keeping good physical health, “financial health” of an individual
needs similar attention for a peaceful and secured life.
Through personal experience, I realised that professionals like us, spend majority part of daily working life in making money,
however the money earned, gets very little proactive mind space, specially in the initial 5-10 years of professional life. Once
the reality of financial responsibility kicks in (around 40s as in my case), the person try to become somewhat active, but
limited knowledge and perceived complexity of finance and investment market bogs him down. The possibilities of facing
retirement with followings are very high in such cases, (the signs of a ‘Passive Saver’),
a. Savings lying in low earning PF, FDs & tax saving instruments
b. Investments in multiple insurance, mfs etc (where the rate of return was never calculated)
c. Blocked money in real state
d. Unsure about what to do with the retirement fund
e. Not sure on how to ensure regular flow of cash to maintain the adopted lifestyle
The situation could be much better with little effort at our part by learning few basics and by taking active care of our hard
earned money.
This deck is an effort to push a “Passive Saver” and initiate the change into an “Active Investor”
2
3. Flow
• Why – necessity
• Passive Saver vs Active Investor
• What to do
• The difference compounding make ( and other arithmetic basics)
• Consistency (early and regular)
• Right Product
i. Debt vs Equity
ii. Insurance & Saving
iii. Mutual Fund
iv. Taxation Impact
v. Liquidity
3
4. Why Should I
Worry ?
1. Rising Cost
2. Increase Iin life expectancy
3. Changing Social Scenario
4. Limited social security
4
5. Rising Cost of
Living
• Inflation is not the only reason
• Cost of Medical
• Culture of Replacement & Upgrade
• Blurred lined between Rev-exp and Cap-exp
• Cost of travel
5
7. Change in
Social
Construct
• Fall-back options getting less and less
• Smaller families have reduced the width of
safety net
• Rising Individualism, increasing barriers
7
8. Paradox of Development & Individualism
Unlike developed economies, in India, state do
not have enough sources to ensure social
security.
On one hand there is wave of consumption based growth &
development on the lines of developed economies, (at the
cost of constant inflation & fizzling in strong social construct
of the past). Unlike our earlier generation, we do not dislike
debt.
We are heading towards “worst of the both worlds” scenario
10. 10
The difference
Passive Saver Active Investor
Why
- Compulsion
- Saving to save Tax
- Hearsay
- Budgeted Saving
- After analysis of multiple products
How
- Deducted from Salary
- Year End
- No looking back / portfolio review
- Budgeted regular Saving
- Analysis of risk and rewards together with
comparison of multiple products
Where
- Saving accounts & FD
- PF
- Tax Saving Products
- LIC, other insurance
- Retirement ULIP Plans
- Planned distribution in
- i. Equity and Debt
- ii. Fixed & Liquid
- Short need vs Long Run
Approach
- Due to limited knowledge approach become
defensive and driven by compulsion.
- Scared and nervous in the matter of finance
- Working towards a plan of achieving short term,
medium term and long term goal
- Confidence in taking risk for higher returns
Author: Atul Joshi Email : atuljoshi.in@gmail.com
12. Power of Compounding & Regularity
If you start to invest Rs. 1000 per month at the beginning of your job
and continue to do that for 30 years, @8% annual rate of return, you
will end with Rs. 14.68 lacs.
12
Increase savings 10% every year and you will end with Rs. 47.86 lacs
If you choose your investment little carefully and able to get return
@10% , your corpus will be Rs. 62 lacs
@ 12% rate of return the value will be Rs. 84 lacs
Even a small but “regular” “investment” can make a big difference in “long run”
14. When do I need money ?
Purpose and Timespan of investment
Short Term (Need money in next 1-2 years)
- Vehicle, Holiday Plans, Social Commitment - FD/RD/Liquid Funds
Medical/Contingency Fund
Medium term (Required in next 3-5 years)
- Home, Child Education - FD, RD, Equity Funds,NSC
Long Term (Not required in next 5 years) - Equity or Eq Funds, PF
- Retirement Fund
14
15. 15
Avenues to Invest
Fixed Income Equity
• Low Risk Low Reward
• Period based return
• Can be invested for short/medium term
Bank FD/RD/Corporate FD
PF/PPF
NSC/KVP/Infra Bonds
Post office savings
• High Risk High Reward
• Market based return
• Invest only for long term *
Direct Share Purchase
Equity Mutual Fund
16. Mutual Funds De-coded
What is a Mutual Fund :When you invest in a Mutual Fund, you give your money to a fund
manager to invest on your behalf. Fund manager in-turn invest that money in one or many investment
avenues as per the defined fund objectives. Total sum of investment value is divided by no. of units
and that is the Net Asset Value/Unit.
Where will he invest : Every Fund has a defined objective, risk category and benchmark. Types
are, Equity Fund, Balanced Fund, Blue Chip Equity, Mid Cap, Micro Cap, Liquid Fund, Debt Fund,
Gold Fund etc. Fund manager purchase and sale these instruments from the market based on his/her
judgement.
When Can I invest : Open Ended, Close Fund. (Entry Load)
How will get my return : Dividend, Growth (Exit Load)
How Can I invest : Direct Fund, Indirect Fund
16
17. Mutual Funds Investment
• Investing in (through) Mutual Fund is the most convenient way for common man for building
wealth in longer run or saving for specific purpose.
• All the insurance companies who offers ULIPs/Retirement plans etc, they too invest our money
in some or other mutual fund.
17
What happens if you skip one instalment of SIP ?
18. How Tax affects saving & investment
Tax treatment can drastically change your real return on investment.
Know before you invest that whether the return will be treated as “other income” or
“capital gain” ?
- Mostly return from fixed income product like Interest is treated as other income
which is added to your total taxable income. (e.g. if your taxable Salary income is Rs. 7 lac
on which you are paying tax and over and above that if you receive Rs. 20000 as interest on FD, it will
be added to your taxable income of Rs. 7 lac and tax will be calculated on Rs. 7.20 lacs)
- Income from capital investment e.g. Shares or Mutual Fund are treated as Capital
Gain. Capital Gain is taxed at different rate (which is lesser than normal highest
tax rate).
Remember the difference between ‘investing for tax saving’ vs ‘spending for tax saving’
18
19. Mistry of Financial Terms
• Interest
• Dividend
• Debt
• Equity/Stock
• NAV
• Capital Gain
• Dmat
• PE
• RoCE
19
• EPS
• Market Cap
• ETF
• SIP
• STP
• SWP
• KYC
20. How to calculate return on investment
1. How much are you putting in total
2. When are you paying
3. When will you receive the return
4. How much net will you receive in total (after tax)
5. Consider the risk involved
20
21. Comparing Financial Product or
Points to ponder before investing
1. How much is the total commitment ?
2. For how much time ?
3. For how much time my money is blocked ?
4. What if I withdraw in-between ?
5. Tax implication
6. Expected net XIRR
7. Risk involved
21
22. Risk – Is it worth taking ?
• Risk is inherent part of every investment product. There are no zero risk
investment ever.
• Risk can be rewarding when taken for longer run. Taking risk in short run is for
professionals not for lay investors.
• Conservative investment approach will yield low return.
• Balance must be found between being greedy in short term and being too
defensive and not taking risk at all.
• Apportion your savings between Fixed and Equity income
22
23. Moderate Risk – How ?
23
Dos Donts
Invest portion of your savings in stock
market directly or indirectly (Equity based
mutual funds).
Select top performing companies in it’s
sector if you chose to invest directly
Keep the money invested for > than 5
years
Read and understand related information
• Trade in stocks (it is as good as gamble)
• Investing based on tips
• FD in small cooperative banks or companies
offering higher interest
• Sale your invested stock in panic
• Invest if you do not understand the product
Remember ULIP is a moderate to high risk product
24. Life Insurance is cost (not saving)
• The purpose of insurance is to cover some type of risk while investment is made
to expect return.
• An insurance company covers your risk at a pre calculated premium.
• When we erroneously assume that an insurance is also an investment it creates
two problems,
• The risk is not covered fully (because part of your premium is towards investment)
• Low return on investment (for managing investment on your behalf insurance company apply
hefty charges, hence net money invested itself is less)
24
Avoid ULIP and traditional insurance plans
25. Investing online
• Investing online is as safe or risky as doing normal banking transaction
• It is possible to do almost all kind of investment transactions from your desktop
(specially Mutual Fund & Stock transaction)
• A Dmat account is required to invest in stock market directly (no Dmat account
needed for Mutual Fund investment)
• When investing for the first time, physical KYC documents are mandatory, after
that nothing required.
• No further KYC required by other MF once approved by one Mutual Fund
25
DIY is Possible
26. Useful Online Resources
https://www.screener.in/ Stock Screening
https://www.valueresearchonline.com/ Mutual Fund Comparison
https://advisor.moneylife.in/ Financial Planning (paid)
26
Take your time
Read Online
Understand Product
Compare
27. Some Golden Rules
• Save first (spend remaining)
• Invest regularly/consistently
• Know where are you investing
• Invest towards a purpose (Short, Medium Long ?)
• Check your portfolio regularly
• Be properly insured (Insurance is not investment)
• Do it yourself (as far as possible)
27
28. Summary
It pays to pay some attention to your hard earned money
Consciously Invest (not just save) regularly
Learn and use Excel
Stay invested for long term
Take moderate risk but avoid temptation of making quick money
Treat insurance as cost not saving
Understand net of tax return
It is easy to do transactions online
There are many online resources to help
28
Just like physical health, be aware and take active care of financial health !!
29. Further pointers (for next deck)
• Financial Planning
• How much to save ?
• How to spend?
• Investment Product Selection
• Where to invest
29Atul Joshi email: Saver2Investor@gmail.com