Rely on yourself ! How retirement goal can help an investor to maintain their lifestyle without depending on other. It was worked out based on the current monthly expenses and assumed inflation.
Retirement Planning is one of most important part of everyone's life. But most of them ignore this very important thing. Early retirement planning gives you the power to choose the age when you will retire. FinAtoZ gives you the retirement calculator which is an early retirement planner and gives you the idea about the final corpus you need at the time of retirement along with the correct retirement age.
OUR JUNE, 2021, NEWSLETTER FOR AVID INVESTORS IS ON THE STANDS FOR JULY,2021 (ISSUE JUNE,2021). WOMEN AS INVESTORS IN OUR DOMESTIC MARKET. APART FROM OUR DOMESTIC MARKET INDICATORS, WE ALSO DEALT ON US MARKET AND EXTREMELY GOOD PERFORMANCE IN THE MONTH OF JUNE,2021. WE ALSO COVERED ON WOMEN, AS INVESTORS, WHOSE PARTICIPATION LEVEL IS GROWING YEAR ON YEAR. HOST OF ISSUES, WHICH SHOULD BE OF INTEREST TO ALL AVID INVESTORS, DON'T NOT MISS READING THIS JUNE, 2021 NEWSLETTER !! HAPPY SURFING !
OUR NEWSLETTER FOR AUGUST, 2021 IS ON STANDS. THIS NEWSLETTER MAGAZINE GOOD IDEA TO PLAN FOR FINANCIAL WELL BEING. THIS MAGAZINE ADDS VALUE TO ALL READERS !! THIS MAGAZINE IS COMPLIMENTARY TO ALL READERS !!
Retirement Planning is one of most important part of everyone's life. But most of them ignore this very important thing. Early retirement planning gives you the power to choose the age when you will retire. FinAtoZ gives you the retirement calculator which is an early retirement planner and gives you the idea about the final corpus you need at the time of retirement along with the correct retirement age.
OUR JUNE, 2021, NEWSLETTER FOR AVID INVESTORS IS ON THE STANDS FOR JULY,2021 (ISSUE JUNE,2021). WOMEN AS INVESTORS IN OUR DOMESTIC MARKET. APART FROM OUR DOMESTIC MARKET INDICATORS, WE ALSO DEALT ON US MARKET AND EXTREMELY GOOD PERFORMANCE IN THE MONTH OF JUNE,2021. WE ALSO COVERED ON WOMEN, AS INVESTORS, WHOSE PARTICIPATION LEVEL IS GROWING YEAR ON YEAR. HOST OF ISSUES, WHICH SHOULD BE OF INTEREST TO ALL AVID INVESTORS, DON'T NOT MISS READING THIS JUNE, 2021 NEWSLETTER !! HAPPY SURFING !
OUR NEWSLETTER FOR AUGUST, 2021 IS ON STANDS. THIS NEWSLETTER MAGAZINE GOOD IDEA TO PLAN FOR FINANCIAL WELL BEING. THIS MAGAZINE ADDS VALUE TO ALL READERS !! THIS MAGAZINE IS COMPLIMENTARY TO ALL READERS !!
Retirement is one of the most important life’s event many of us will ever experience. From both personal and financial perspective, realizing a comfortable retirement is an incredibly extensive process that takes sensible planning and years of persistence. visit https://www.financialhospital.in/retirement-planning.php to know more
Systematic investment plans have turned out to be one of the major attractions in mutual funds for the investors. Go through this PPT to learn more about SIP & Benefits of SIPs. For more information visit - http://www.dspblackrock.com/resources/tools-and-calculators/sip-calculator.aspx.
Retirement planning is using your earnings to provide income, after you retire from work. Start planning for retirement now. We can help you use your savings today, to live a comfortable life tomorrow.
Planning for retirement is not as easy as it seems. Simply because you have to estimate your expenses 30 - 35 years hence in today's money. This visual presentation provides an overview of how to approach your retirement planning.
SIP is a method of investing a fixed sum, regularly, in a mutual fund scheme. SIP allows one to buy units on a given date each month, so that one can implement a saving plan for themselves.
SIP, one of the best investment tools to invest through. It is a very good option for beginners. You can also create wealth, by investing through SIPs.
ACHIEVE YOUR FINANCIAL DREMS THROUGH THE SYSTEMATIC SAVING AND INVESTMENT PLANS
IF YOU WANT YOUR DREAMS TO
BECOME REALITY CONTACT
rravindrakumar@gmail.com
The monthly newsletter by seeman fiintouch LLP april 21 editionAshis Kumar Dey
READING THE MARKET PULSE DURING THIS COVID CRISIS
CASE STORY OF RAMESH, 37 YRS,WHO STARTED INVESTMENT HABIT AT THE AGE OF 27 ONLY
WHAT IS FUND OF FUND ( FOF) SCHEMES ? IS IT GOOD FOR ASSET ALLOCATION ?
Retirement is one of the most important life’s event many of us will ever experience. From both personal and financial perspective, realizing a comfortable retirement is an incredibly extensive process that takes sensible planning and years of persistence. visit https://www.financialhospital.in/retirement-planning.php to know more
Systematic investment plans have turned out to be one of the major attractions in mutual funds for the investors. Go through this PPT to learn more about SIP & Benefits of SIPs. For more information visit - http://www.dspblackrock.com/resources/tools-and-calculators/sip-calculator.aspx.
Retirement planning is using your earnings to provide income, after you retire from work. Start planning for retirement now. We can help you use your savings today, to live a comfortable life tomorrow.
Planning for retirement is not as easy as it seems. Simply because you have to estimate your expenses 30 - 35 years hence in today's money. This visual presentation provides an overview of how to approach your retirement planning.
SIP is a method of investing a fixed sum, regularly, in a mutual fund scheme. SIP allows one to buy units on a given date each month, so that one can implement a saving plan for themselves.
SIP, one of the best investment tools to invest through. It is a very good option for beginners. You can also create wealth, by investing through SIPs.
ACHIEVE YOUR FINANCIAL DREMS THROUGH THE SYSTEMATIC SAVING AND INVESTMENT PLANS
IF YOU WANT YOUR DREAMS TO
BECOME REALITY CONTACT
rravindrakumar@gmail.com
The monthly newsletter by seeman fiintouch LLP april 21 editionAshis Kumar Dey
READING THE MARKET PULSE DURING THIS COVID CRISIS
CASE STORY OF RAMESH, 37 YRS,WHO STARTED INVESTMENT HABIT AT THE AGE OF 27 ONLY
WHAT IS FUND OF FUND ( FOF) SCHEMES ? IS IT GOOD FOR ASSET ALLOCATION ?
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.
This PPT is on creating personal financial plan. Also ideas on creating wealth and also various avenues of investments. This ppt is based on investment options available in India
Financial planning is for everyone. If you're like most people, financial planning might seem very complicated and confusing, and you might not know where to start. However, here are some ideas to help you get started.
A simple presentation which will help you understand the smarter way to investing through Goal-Based planning. It will help you understand the way to maximise returns at low risks.
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.
2. Retirement Planning
An Exercise of Pre-determining an individual needs on retirement
based on earnings, age, tenure of service and anticipated returns.
Financial Planning
Objective
3. Retirement PlanningFinancial Planning
May be Later
Current Age of Mr. Ramana
Expected Age of Retirement
25 years
58 Years
Expected Survival Age 80 years
Currently Monthly Expenses, ₹
Assumed Inflation
10,000
7 %
No of Years to Retirement 30 Years
Present Status Mr. Ramana
Monthly Expenses at Retirement, Inflation Adjusted, ₹ 93,253
Mr.Ramana,25 Yrs Old, thinks why to start to early
4. Retirement PlanningFinancial Planning
May be Later
Expected Annual rate of return
Number of years the fund should last
8 %
33
Corpus Required to fund your Monthly expenses post
retirement, ₹
3,17,92,553
Expected Rate of Return
No. of Years to retirement
12 %
33 Years
Available Retirement Savings 1,00,000
Investment Planning
Monthly Investment to reach the Retirement Corpus, ₹ 5,322
Retirement Corpus
6. Retirement Planning ensures that you attend
to your long-term goals before you're
tempted to spend the money on a fancy new
sound system.
Retirement PlanningFinancial Planning
Rely on Yourself
7. Retirement Planning gives investing for your
future the same importance as your other
periodic payments - your monthly bills, for
example.
As a result, you're much more likely to stick
with your plan until you reach your goal.
Retirement PlanningFinancial Planning
Rely on Yourself
8. Retirement Planning is a great way of
∞ Saving your Taxes
∞ Secure Post Retirement Life
Retirement PlanningFinancial Planning
Rely on Yourself
9. 0
200
400
600
800
Jun Jul Aug Sep Oct Nov
Unit Cost
Mr.Ramana investing in a mutual fund at regular intervals of ₹ 4,800 / Month
6 Units
8 Units
12 Units
24 Units
12 Units
6 Units
Retirement PlanningFinancial Planning
Rupee Cost Averaging
10. ∞ After six months, Mr. Ramana has 68 Units on a average of ₹423.5 / Unit
while the current market rate is ₹ 800
∞ Mr. Ramana understands market is unpredictable and the only way to
overcome unpredictability is to disciplinarily invest each month the
assigned amount
∞ Rupee cost Averaging has ensured the average Purchase cost has
remained lower than market cost
∞ Mr. Ramana understands his job is not to predict the market but only to
invest a fixed amount every month and allow Rupee Cost Averaging
technique to protect his procurement cost.
Retirement Planning Rupee Cost Averaging
11. Retirement Planning The Power of Compounding
Compound Interest
is the 8th Wonder of the World
“He who Understands it, Earns it…
He who doesn’t Pays it”
12. Retirement Planning The Power of Compounding
∞ These regular amounts of savings no matter however small they
may be shall possibly go a long way into creating a substantial
amount of wealth over a long-term.
13. Retirement Planning The Power of Compounding
Suppose you start investing in a
diversified equity MF through SIP at age
You stop investing at age
Your monthly investment
Your total contribution
Assuming Annualized return 15% from
the fund , your savings could grow to, ₹
45 years
58 years
₹ 1,000
₹ 1,56,000
4,76,000
40 years
58 years
₹ 1,000
₹ 2,16,000
10,91,000
35 years
58 years
₹ 1,000
₹ 2,76,000
23,18,000
25 years
58 years
₹ 1,000
₹ 3,96,000
1,08,72,736
30 years
58 years
₹ 1,000
₹ 3,36,000
51,18,000
Investing early allows you to rideonPower of Compounding
15. Retirement Planning Convenience
∞ One does not have to take out time from one’s busy
schedule to make his investments.
∞ One has to just submit cheques with the completed
enrollment form and can relax.
∞ ECS (Auto Debit) facility investment so simple.
16. Retirement Planning Low Investment
∞ You don’t need large sum of money to invest in equities
through Mutual funds.
∞ A sum as low as Rs.1000/- can be invested every month.
18. Retirement Planning
It is essential to note that it is no longer sufficient to“SAVE”- the need of
the day is to“INVEST”.
The time has come for us to look at investment avenues, which can
beat inflation and help our money to grow further in order to meet our
future requirements.
19. Retirement Planning
Mr.Ramana is working in a reputed MNC contributing ₹ 1,000 in
Retirement Corpus
Description
Age, Yrs
Age at Retirement
Excepted survival age
Assumed Inflation
No of Yrs to Retirement
Monthly expenses after retirement – Inflation adjusted
Retirement corpus – Expecting 8% as annual return
Monthly Investment to reach the Retirement Corpus
28
58
80
6 %
30
₹ 68,922
₹ 189,68,675
₹ 2,760
Retirement Corpus
20. Retirement Planning
?
So when is the best time to invest?
This month???
Next month…???
Every month… starting right now.
21. Retirement Planning Choice of Fund
∞ More than 2500 Mutual Fund schemes are available more
schemes are to be launched…
∞ Choice of fund is dictated by individuals risk profile and
investment horizon…
∞ Do contact to draw-up a most suitable portfolio of
Mutual fund scheme
22. +91 44 4265 3003 contact@purplepond.in www.purplepond.in
PurplePond Investment Advisory (P) Ltd,
Suite: 603, 6th Floor, Challamall, # 11/11A, Sir Theyagaraya Road, T.Nagar, Chennai - 600017
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