The document outlines a financial planning meeting agenda in Dubai, focusing on personal finance strategies and the services offered by Nexus Insurance Brokers LLC. It emphasizes the importance of family welfare, retirement planning, and education funding while addressing common misconceptions about saving for the future. Additionally, it discusses the impact of currency depreciation on investments and urges participants to assess their financial needs and contributions for achieving long-term goals.

1. Financial Planning in Dubai
An
Introduction

2. Meeting Agenda
 Meeting should take about 40 minutes
 About Damodhar Mata
 About Nexus Insurance Brokers LLC
 Introduction to Personal Financial Planning
 Key Money Questions

3. About Damodhar Mata
 Independent Financial Adviser with Nexus
Insurance Brokers LLC
 More than 12 years experience in Financial
services and Banking industries.
 Worked with Barclays and Mashreq Bank in
UAE and with Citibank and ABN Amro in
India
 Active blogger, networker, amateur
photographer, Occasional reader, and
Social Media enthusiast.

4. About Nexus Insurance
Brokers LLC
 Nexus are the largest independent
financial advisory (IFA) firm Present in
the Middle East, for over 20 years, with
award winning services and global
standards.
 Previously being the tied distribution
arm of Zurich International Life, we
have licensed offices in Abu Dhabi,
Bahrain, Dubai and Qatar.

5. Quadrants of Life
•Family
Welfare and
Protection
Securing
dreams
and fulfilling
Promises
Who knows what tomorrow will bring, protecting yourself and your family against
unforeseen circumstances is something everyone should consider. This could be
protecting against premature death, providing for dependents or protecting against the
loss of earnings due to serious illness

6. Life’s Changing Patterns
Just one upset can mean disaster
House Retirement

7. Quadrants of Life
Even though UAE’s per capita income at Dh178,351, or $48,597 (2011 estimates by
International Monetary Fund) makes its residents the sixth-richest in the world, a majority
of the country’s residents plan to work even in their golden years as most believe they
cannot count on a comfortable retirement after a lifetime of hard work.
•Retirement
Planning
•Family
Welfare and
Protection
Securing
dreams and
fulfilling
Promises
Financial
Independence

8. Happy Retirement
Freedom and financial independence in retirement is one of the
most valuable assets you can possess

9. Life Expectancy probability
Freedom and financial independence in retirement is one of the
most valuable assets you can possess
If you’re 65 today, the probability of living to a specific age
Source: Society of Actuaries, “Key Findings and Issues, Longevity: The Underlying Driver of Retirement Risk” 2005 Risks and Process of
Retirement Survey Report, July 2006
75%
37%
4%
65%
24%
2%
91%
52%
6%
0%
20%
40%
60%
80%
100%
80 years 90 years 100 years

10. Three Musketeers
Source: J.P. Morgan Asset Management. The above example is for illustrative purposes only and not
indicative of any investment.
Susan, 25 Years old
Invests $ 5,000 PA
for 10 years.
Total Investment $
50,000
Bill, 35 Years old
Invests $ 5,000 PA
for 30 years.
Total Investment $
150,000
Chris, 25 Years old
Invests $ 5,000 PA
for 40 years.
Total Investment $
200,000
Lets find out who is smart?

11. Smart Musketeer !
The key to happy retirement is in starting early and
staying invested
Understanding the power of compounding can greatly
impact the amount of savings over the long term

12. Common misconceptions
• I am still young, I can always
catch up….
• I don’t have enough for
today, how can I plan for
retirement ?
• I will sell my house….
• My business will support my
retirement……
• My children will support my
retirement……
• I will spend less during
retirement

13. Quadrants of Life
A good education is an investment for the future. The return is almost impossible to
estimate. But regular saving to provide for your children’s education takes discipline and
habit.
•Education
Planning
•Retirement
Planning
•Family
Welfare and
Protection
Securing
dreams and
fulfilling
promises
Financial
Independence
Children's
Future and
Wellbeing

14. The falling rupee – how does it
affect me?
-45.00%
-40.00%
-35.00%
-30.00%
-25.00%
-20.00%
-15.00%
-10.00%
-5.00%
0.00%
6/1/1995
8/1/1996
10/1/1997
1/2/1999
3/2/2000
5/2/2001
7/2/2002
9/2/2003
11/2/2004
1/2/2006
3/2/2007
5/2/2008
7/2/2009
9/2/2010
11/2/2011
INR/USD
Rupee has
depreciated by more
than 40 % since
1995, posing huge
exchange risks to
NRI investors.
Assuming you had 1,00,00,000 INR in a term deposit growing
at 7.00 % PA in 1995, it would be INR 3,37,99,322.76, in
2012 and if the same investment was made in dollars growing
at 7.00 % its equivalent INR value would be 5,57,59,897.45

15. The falling rupee – how does it
affect me?
0
10000000
20000000
30000000
40000000
50000000
60000000
1/1/1995
1/1/1996
1/1/1997
1/1/1998
1/1/1999
1/1/2000
1/1/2001
1/1/2002
1/1/2003
1/1/2004
1/1/2005
1/1/2006
1/1/2007
1/1/2008
1/1/2009
1/1/2010
1/1/2011
1/1/2012
Valueofinvestment
INR Vs. USD returns
INR based investment
USD based investment

16. • Crude Oil, Gold and Coal Imports
• India’s growing population, means
growing energy requirements, which
results in higher crude oil and coal
imports
• Due to the falling
rupee, individuals, corporates and even
Indian government are investing in
Gold to hedge their currency
risks, resulting in increase on gold
imports
• More imports means more dollars being
paid out, widening the balance of
payments, and thus depreciating the
rupee further
Why is rupee depreciating?

17. Quadrants of Life
Dreams can become reality with planning.
•Education
Planning
•Thinking Big
and making
it !
•Retirement
Planning
•Family
Welfare and
Protection
Securing
dreams and
fulfilling
promises
Financial
Independence
Children's
Future and
Wellbeing
Aspirations and
Life time
dreams

18. How much will I
Need?
How long do I have? How much can I
contribute towards
these goals?
Key Money Questions
What is the next step?

19. Lets Solve the Puzzle……….
Confidential Financial Review