Retirement - International Money Matters
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The document provides guidance on managing personal finances through setting financial goals, creating a budget, saving for different goals, borrowing money smartly, investing, and planning for retirement. It recommends allocating 50% of income to needs, 30% to wants, and 20% to savings. It also discusses using automation to make savings easier and factoring taxes into savings timelines. Key tips include being honest about expenses, saving more than needed, understanding stock compensation, and prioritizing student loan payments.
CommonBond Guide to Managing Money
The document provides guidance on managing personal finances through setting financial goals, creating a budget, saving for different goals, borrowing money smartly, investing, and planning for retirement. It recommends allocating 50% of income to needs, 30% to wants, and 20% to savings. It also discusses using automation to make savings easier and factoring taxes into savings timelines. Key tips include being honest about expenses, saving more than needed, understanding stock compensation, and prioritizing student loan payments.
A Veterinarian's Guide To Future Financial Planning & Retirement, Part II
Identifying likely scenarios veterinarians encounter in financial retirement planning, and addressing the best tools and strategies to handle these financial retirement planning scenarios for the best possible outcome. Looking forward and considering family planning and life expenses to choose best financial plan for the future for veterinarians.
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This document provides an overview of World Financial Group's (WFG) financial planning services. WFG helps clients achieve their financial goals through a customized strategy developed by a licensed associate. The strategy addresses challenges like debt management, emergency savings, retirement planning, and life insurance needs. WFG offers access to products from major insurance and investment companies. The document outlines various financial strategies and tools that WFG associates can use to help clients build wealth, manage debt, plan for retirement and other goals.
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For Those Who Want to Prosper & Thrive in Retirement
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OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.Economic Risk Factor Update: June 2024 [SlideShare]
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"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Who Is Abhay Bhutada, MD of Poonawalla Fincorp
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
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- 1. Financial Planner’s Perspective on Retirement Info@immpl.com 080 4049 3939 www.immpl.com
- 2. 2 What does Retirement mean to you?
- 3. 3 Visualizing your “ordinary day” into retirement Gardening Travelling Passion Community Service
- 4. 4 People aspire to have an active retirement Travelling Spending more time with family and friends Volunteer Work Continue working in the same field Living in a new location Studying Continue working, but in another field Starting a business Pursuing new hobbies
- 5. 5 Source: The Aegon Retirement Readiness Survey 2017 Expected proportion of retirement income by source
- 6. 6 What are the preparations involved? Corpus Cashflow Continuity
- 7. 7 How much will you need - Depends on: Existing investments Monthly amount needed Life expectancy (time in retirement)
- 8. 8 Inflation eating into buying power Rising costs of medical expenses Changing scenarios Why retirement planning becomes critical
- 9. 9 Effect of inflation on purchasing power
- 10. 10 REALITYBITES What could happen in retirement Losing a partner Loss of health Unforeseen financial commitments Returns being lower than inflation Particular asset class not working out for you Changing scenarios
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- 13. 13 Wills and Estate Planning Nominations Writing a Will Trusts
- 14. 14 . • Identify retirement corpus • Check if your asset allocation is in line with your goals. • Evaluate your insurance cover- Health / Life and Critical Illness, start saving towards contingency fund • Evaluate your liabilities and close them before retirement • Introspect what you intend to do post retirement