The document discusses personal financial management. It notes that personal finance addresses how individuals obtain, budget, save, and spend monetary resources over time based on their goals, risk appetite, income, expenses, and accumulated wealth. It also discusses assessing an individual's risk profile based on their life stage and matching them with appropriate financial products and investment classes, from low to high risk, to achieve different return expectations. The conclusion emphasizes the importance of financial education, knowing one's risk tolerance, regularly reviewing one's portfolio, diversifying investments, and analyzing risks of different financial products.

1. Personal Financial
Management

2. Fintech Sector
• The global Fintech software and
services sector is expected to boom as
a USD 45 billion by 2020, growing at a
CAGR of 7.1% as per NASSCOM
• The Indian Fintech software market is
forecasted to touch USD 2.4 billion by
2020 from a current USD 1.2 billion, as
per NASSCOM
• The transaction value for the Indian
Fintech sector is estimated to be
approximately USD 33 billion in 2016
and is forecasted to reach USD 73
billion in 2020 growing at a five-year
CAGR of 22%
258.26
983.85
3051.23
0
500
1000
1500
2000
2500
3000
3500
2013 2014 2015
Fintech Investments in India (In cr.)
Sources: www.kpmg.com

3. 7 FintechThemes
Source: www.kpmg.com
Next Generation Payments
P2P Lending
Blockchain
Robo-
advisory
Financial Inclusion
Security &
Biometrics
Bank in a
box

4. Large Fintech Fundings in India
Players Business Category Investment Period DealValue
Paytm M-Wallet/Gateway Feb, 2015 USD 890 Mn
Mobikwik M-Wallet May, 2016 USD 86.85 Mn (total)
Billdesk Payment Aggregator Mar, 2016 USD 157.5 Mn (Total)
A leading Indian Fintech
portal
Marketplace for loans and
insurance products
Jul, 2016 USD 79 Mn (total)
Financial Software and
Systems Pvt. Ltd.
Financial Planning Oct, 2014 USD 57 Mn
Policybazaar Insurance Apr, 2015 USD 69.6 Mn (total)
Freecharge M-Wallet/Gateway Feb, 2015 USD 113 Mn (total)
source: www.kpmg.com

5. Innovage Fintech pvt ltd
• Innovage Fintech Pvt. Ltd. owns and operates an online financial planning and
management platform
• Its services include financial planning calculator, wealth management services, financial
planning services and solutions, financial planning advisory services, financial planning
analysis, financial reporting analysis, investment portfolio management services, mutual
funds investment, and short term investment plans
Source: www.5nance.com

6. Brand Partners
Source; www.5nance.com

7. 5 USP of 5nance
• Offer all kind of financial products like MF, Health insurance,Term insurance, Bank
FD, Corp FD, and all kind of Loans
• Their investment recommendations are backed by Strong Research Methodology
• Risk profiling of their investors to categories them into one of the five risk profiles
and based on individual risk profile and as per the investment horizon they
suggest best suitable schemes
• 5nance have created the financial calculators such asTax Planning, goal Planning,
retirement planning to calculate future goal value
• 5nance is offering all these services free of cost
Source; www.5nance.com

8. Product offerings of the company
Equity
SIP
Retirement Plan
Tax-Max
Loans
Term Insurance
Goal Planning
Health Insurance
www.5nance.com

9. Personal financial management
• Personal finance is the application of the principles of finance to the monetary
decisions of an individual or family unit
• It addresses the ways in which individuals or families obtain, budget, save and
spend monetary resources over time, taking into account various financial risks
and future life events

10. Personal financial management contd.
• Different people have different habit &
needs
 Goals
 Return expectations
 Risk appetite
 Status
 Income
 Expenses
 Surplus
 Accumulated wealth

11. Risk stage

12. Life stage & risk-return
Age Range Goals Returns Expectations Risk Appetite Liquidity
20-30 Education, Marriage,
Holiday
High High Low
30-40 Children Education,
Insurance
Moderately High Moderately High Moderately Low
40-50 Children Marriage,
Retirement
Balanced Balanced Balanced
50-60 Retirement Moderately Low Moderately Low Moderately High
>60 Holidays, Estate
Planning
Low Low High

13. Risk Return products
Bank A/c, FD, RD
PPF, NSC
Liquid (MF-Debt)
Equity (Stocks)
Corp. Bonds
Gold Commodities
Real Estate (Physical)
Equity (MFs)
4-5%
16-21%
16-20%
10-12%
10%
8.5%
8-10%
Risk HighLow
HighLowReturns
8.5%

14. Conclusion
• Money is one form of power, but what is more powerful is financial education.
Money comes and goes, but if we have the education about how money works, we
can gain power over it and can begin building wealth
• We should know our risk profile and based on that we should take decision for
investment
• Should analyze our portfolio every quarter
• It is better to diversify the portfolio, rather than putting money into one basket
only
• Every financial product carry different risk, therefore we should analyze them
before investing into any financial instrument