Anil's Financial Planning by Apnapaisa

8/13/2019 Anil's Financial Planning by Apnapaisa

1/23

Srgvnto & Fmbaglobtgne

Sorsmbne Agbnbfgne Senb

Sropnrol amr8

Nbge Snblgt

Sropnrol dy8

@nrs` TmmbitnGbvostjobt Nlvgsor


2/23

www.npbnpngsn.fmj

Ojnge8 apCnpbnpngsn.fmj Snio > ma 44S`.8 344-11>6 >777

>3t`

Lofojdor 43>6Lonr Jr. Nbge,

Yo wmuel egko tm t`nbk ymu amr f`mmsgbi mur agbnbfgne penbbgbi sorvgfos.

\ò obfemsol penb amrjnegzos mur rofobt lgsfussgmbs mb tò gbvostjobt ma ymur nvngendeo

fnpgtne, neemfntgmb ma surpeus fns` aemws nbl roneemfntgmb ma smjo ma ymur oxgstgbipmrtamegm.

Mur mdhoftgvo gs tm nffurntoey nssoss ymur agbnbfgne bools nbl tm prmvglo qunegtyrofmjjoblntgmbs nbl mbimgbi sorvgfos gb nffmrlnbfo wgt` t`mso bools.

\ò penb gs dnsol mb tò gbamrjntgmb prmvglol dy ymu mb ymur furrobt fgrfujstnbfos nbl

mdhoftgvos. Seonso ronl tò penb fnroaueey tm fòfk amr nffurnfy ma tò gbamrjntgmbprmvglol.

\`gs penb gs nb gjpmrtnbt lmfujobt, gb nffmrlnbfo wgt` tò dost stnblnrls ma tòprmaossgmb. @mwovor, gt bools tm do roiuenrey rovgowol nbl uplntol gb rospmbso tm

f`nbios gb ymur mwb fgrfujstnbfos nbl mtòr anftmrs, suf` ns pobsgmb roiuentgmb, tnxntgmb

nbl jnrkot jmvojobts.

Wmu `nvo igvob oxpegfgt fmbsobt tm us tm s`nro ymur agbnbfgne penb propnrol dy us tm nby

jolgn (Gbfeulgbi dut bmt egjgtol tm) Mbegbo, Oeoftrmbgf nbl Srgbt amr tò doboagt ma

wglor nulgobfo. \ò penb gs propnrol amr aroo ma fmst nbl tùs lmos bmt fmjo ublor VODGGbvostjobt Nlvgsmr Toiuentgmb43>6.

Seonso aooe aroo tm fmbtnft us ga ymu `nvo nby quorgos.

Yo emmk amrwnrl tm rovgowgbi nbl gjpeojobtgbi tòso rofmjjoblntgmbs wgt` ymu.

Wmurs sgbforoey,

@nrs` Tmmbitn, FASFJ

Gbvostjobt Nlvgsor


3/23

www.npbnpngsn.fmj

Ojnge8 apCnpbnpngsn.fmj Snio 4 ma 44S`.8 344-11>6 >777

\ò jngb dmly ma t`gs ropmrt `ns ymur porsmbne lotnges nbl ymur egao mdhoftgvos nblstrntoigos tm joot ymur mdhoftgvos.

Bnjo Toentgmbs`gp Nio @onet`Vtntus

Jr. Nbge Voea 6? @onet`y

Jrs. Voojn Vpmuso 60 @onet` gssuos(NOL)

Jst. Oknbs` Vmb ? @onet`y

Jr. Snblgt Antòr 10 @onet`y

Js. Snblgt Jmtòr 16 Lgndotgf

Tosglobtgne Vtntus8 Wmu nbl ymur anjgey jojdors nroTosglobt Gblgnb

Tgsk Srmageo8Wmur rgsk prmageo gs fenssgagol ns Qory Niirossgvons por tòquostgmbbngro nbsworol dy ymu.

Imnes nbl Mdhoftgvos8

Oxofutgvo Vujjnry

Totgrojobt Senbbgbi8 Wmu wmuel egko tm prmvglo n fmrpus amr ymurrotgrojobt nt tò nio ma 13 yonrs. Wmu wmuel egko tm jngbtngb tò snjo

stnblnrl ma egvgbi, w`gf` ymu nro egvgbi nt prosobt.

Oknbs`'s Olufntgmb Senbbgbi8Wmu wmuel egko tm prmvglo amr tò

`giòr olufntgmb oxpobsos amr ymur smb wòb ò ronfòs tò nio ma >0

yonrs.

Oknbs`'s Jnrrgnio Senbbgbi8 Wmu wmuel egko tm prmvglo amr jnrrgnio

ma ymur smb wòb ò ronfòs tò nio ma 4? yonrs.

Fnr Surf`nso8 Wmu wmuel egko tm duy n fnr nator 4 yonrs, w`gf` wgee

fmst ymu Ts.9 enk`s tmlny.


4/23

www.npbnpngsn.fmj


Imml Jmvos;

Imml Vnvgbis Tntgm.

Duygbi mbegbo torj

Vookgbi Srmaossgmbne òep.

Dnl Mbos8

Gibmrgbi Snrobts nbl

Ygaos ònet`gbsurnbfo.

Bm lgsndgegtygbsurnbfo.

Bmt gbvostgbinvngendeo surpeus amr

auturo imnes.

Srgjnry Tofmjjoblntgmbs8

Duy nllgtgmbne mbegbo torj penb.

Duy ònet` gbsurnbfo penb amr ymur pnrobts nbl wgao.

Vtnrt jmbtèy gbvostjobt ns onrey ns pmssgdeo.

Srgjnry Mdsorvntgmbs


5/23


6/23

www.npbnpngsn.fmj

Ojnge8 apCnpbnpngsn.fmj Snio ? ma 44S`.8 344-11>6 >777

Nssots

Egndgegtgos

Bot Ymrt` Vtntojobt


7/23

www.npbnpngsn.fmj


Nssot Neemfntgmb

Oqugty nbl lodt, dmt`, `nvo nb gjpmrtnbt rmeo tm peny gb ymur nssot neemfntgmb.Oqugty fnb prmvglo suporgmr gbaentgmb nlhustol roturbs mvor tò embi torj nbl

lodt tm prmtoft ymur fnpgtne w`geo irmwgbi.

Voea-mffupgol rosglobtgne prmporty, vo`gfeo nbl Sorsmbne Howoery nro bmt trontolns ymur gbvostjobt nssots.

Tofmjjoblol nssot neemfntgmb gs amr auturo gbvostjobt.

Imel Gbvostjobt wmrks ns n òlio ningbst gbaentgmb nbl prmvglos snaoty gb dnlofmbmjgf nbl pmegtgfne fmblgtgmbs.

Tone ostnto gbvostjobt prmvglos ymu n agxol gbfmjo, pmtobtgne amr fnpgtnenpprofgntgmb nbl nesm òeps gb lgvorsgagfntgmb ma ymur pmrtamegm. @mwovor, gt gs

`gièy fnpgtne gbtobsgvo nbl jmst geegqugl nssot fenss.

Seonso rovgow nbl rodnenbfo ymur gbvostjobt pmrtamegm porgmlgfneey.


8/23

www.npbnpngsn.fmj


Tofmjjoblol Gbvostjobt Tgsk Srmageo8 \`gs gs n Emw Tgsk Gbvostjobt

Fmbtgbiobfy Aubl

Wmu s`muel koop nsglo nt eonst 6 jmbt`s oxpobsos tm do usol mbey gbojoriobfgos suf` ns hmd emss mr lgsndgegty.

Wmu nesm bool tm jngbtngb n jolgfne fmbtgbiobfy ma Ts.4.?3 Enk`s ns ymurpnrobts nbl spmuso nro bmt fmvorol ublor `onet` gbsurnbfo.

Gbvost gb egqugl t`gs jmboy gb GFGFG Sru Jmboy Jnrkot Toiuenr.

Jngbtngb lgsfgpegbo. Lm bmt uso oxfopt gbfnso ma ojoriobfgos

?,36,3?? ?,64,333

40,7


9/23

www.npbnpngsn.fmj


Gbsurnbfo Bool Nbneysgs8

Emmkgbi nt ymur prosobt nio, gbfmjo, egao styeo nbl egao imnes nbl nesm tnkgbi gbtm

fmbsglorntgmb ymur nssots nbl egndgegtgos, ymur egao gbsurnbfo bool gs fnefuentol ns ublor8

Nbneysgs ma furrobt Smegfgos nbl Tofmjjoblntgmbs8

Egao Gbsurnbfo

\nkgbi gbtm nffmubt vnrgmus anftmrs egko prosobt surroblor vneuo, jnturgty vneuo nblprojgujs tm do pngl tgee jnturgty wo nlvgso ymu tm surroblor EGF Hoovnb Nbnbl

(Voojn Lovg) pmegfy ns GTT ma tòso penbs wgee bmt dont gbaentgmb. Wmu fnb fmbtgbuo

EGF Hoovnb Nbnbl, Hoovnb Vurnd`g nbl Hoovnb Nst`n, ns tò GTT gs egkoey tm dont

gbaentgmb.

Wmu s`muel fmbtgbuo wgt` Noimb Toeginro G-\orj Senb.

Wmu s`muel surroblor @LAF Egao nbl GFGFG Sru Egao _EGS pmegfos sgbfo tò roturbsnro pmmr ns fmjpnrol tm tò dobf`jnrk nbl mbimgbi f`nrios wgee aurtòr rolufo

ymur roturb.

Wmur wgao gs n `mjojnkor nbl lmos bmt roqugro egao gbsurnbfo.

Nllgtgmbneey duy Nvgvn g-Egao nb mbegbo torj penb amr Ts.?3 Enk`s amr n torj ma 4?

yonrs w`gf` wgee fmst ymu nrmubl Ts.?,,11,67,333

>,31,?3,333

>6,10,333,333

\mtne Egao GbsurnbfoToqugrol

Srosobt Egao Gbsurnbfo(Nator Tofmjjoblntgmb)

\mtne Nssots Gbsurnbfo Fmvor Toqugrol

Gbsurnbfo Bool Neneysgs

Nloqunto Egao gbsurnbfo gs n just tm jnko suro ymur anjgeys egao styeo gs

bmt naaoftol ga ymu lgo onrey.


10/23

www.npbnpngsn.fmj


\`gs softgmb fmvors nbneysgs ma ymur furrobt Ioborne Gbsurnbfo pmegfgos, Bool Nbneysgs matò Fegobt nbl mur rofmjjoblntgmbs.

@onet` Gbsurnbfo (Jolgfengj)8

N sorgmus geeboss fmuel do fntnstrmp`gf tm ymur agbnbfgne woee dogbi tòroamro,

gt gs gjporntgvo ymu `nvo nloqunto jolgfne gbsurnbfo fmvornio.

Furrobt Tofmjjoblol

Npmeem Onsy @onet`

VtnblnrlNpmeem Mptgjn Seus

Dnbk Ma Dnrmln

@onet` Gbsurnbfo

Vuj Nssurol Ts.? Enk`sTs.? Enk`s (loluftgdeo

ma Ts.6 enk`s)Ts.? Enk`s

Srojguj Ts.9333/- Ts.4,633/- Ts.9,>33/-

\ypo Anjgey Aemntor Gblgvglune GblgvgluneJojdors Voea + Vmb Voea + Vmb Vpmuso

Tofmjjoblntgmb Fmbtgbuo Duy Duy

@onet` Gbsurnbfo

Duy E&\ Jolgsuro Fenssgf Senb ma Ts.6 Enk`s onf` amr ymur antòr nbl jmtòr. \`gs wgeefmst ymu nrmubl Ts.61,433 p.n.

Lgsndgegty Gbsurnbfo pnys n eujp suj gb tò ovobt ma suaaorgbi armj n lodgegtntgbi lgsonsosuf` ns fnbfor, strmko, mrinb angeuro mr lgsndgegty nrgsgbi armj nb nffglobt.

Wmu s`muel tnko nb nffglobt gbsurnbfo pmegfy fmvorgbi lgsndgegty (Dnhnh Neegnbz SrojgujSorsmbne Iunrl) amr Ts.4? enk`s nbl n frgtgfne geeboss pmegfy (Nvgvn @onet` Vofuro) amr

Ts.?3 enk`s amr ymursoea. Dmt` tòso pmegfgos put tmiotòr wgee fmst ymu nrmubl Ts.>0,>33por yonr.

Gt wgee do lgaagfuet amr ymur jmtòr nbl spmuso tm iot ònet` gbsurnbfo sgbfo tòy `nvoònet` gssuos dut ymu s`muel sorgmusey try amr t`gs.

Lgsfemso nee anfts w`geo duygbi gbsurnbfo.


11/23

www.npbnpngsn.fmj

Ojnge8 apCnpbnpngsn.fmj Snio >3 ma 44S`.8 344-11>6 >777

Nbneysgs ma Furrobt Gbvostjobt8

Lgroft Oqugty Gbvostjobt8

Jutune Aubl Gbvostjobt8

Vr.

Bm.Bnjo ma Vfòjo

Furrobt

QneuoTofmjjoblntgmb

Neemfnto

l Imne

> @LAF Gblox Aubl - Vobsox Senb Ts.4>,30?4 ma 44S`.8 344-11>6 >777

Wmu wmuel egko tm penb amr ymur smbs olufntgmb nbl wmuel egko tm prmvglo Ts.>? Enk`s

gb prosobt vneuo ma t`gs imne.

SSA Gbvostjobt Tgsk Srmageo8 \`gs gs n Emw Tgsk Gbvostjobt

Tofmjjoblol Gbvostjobt Tgsk Srmageo8 \`gs gs n @gi` Tgsk Gbvostjobt

Oknbs`s Olufntgmb Senbbgbi

Vtnrt aros` jmbtèy gbvostjobt ma Ts.>6,?33 gb rntgm 73% gb Oqugty nbl >3% gb SSA.

Vtnrt aros` jmbtèy VGS ma Ts.>4,333 gb _\G Mppmrtubgtgos Aubl nbl lopmsgtTs.>,?33 por jmbt` gb SSA.

Wmu nro nlvgsol tm s`gat ymur oqugty gbvostjobt systojntgfneey tm lodt ndmut 6>jmbt`s doamro olufntgmb imne. Aros` gbvostjobt lurgbi t`gs porgml s`muel nesm do gb

lmbo gb lodt.

>?,33,333

?>,90,333

Furrobt Qneuo Auturo Qneuo

Olufntgmb Senbbgbi


14/23

www.npbnpngsn.fmj


Wmu wmuel egko tm penb amr ymur smb's jnrrgnio nt tò nio ma 4? yonrs nbl prmvglo n sujma Ts.? enk`s gb prosobt vneuo amr t`gs imne.

Imel Gbvostjobt Tgsk Srmageo8 \`gs gs n Jmlornto Tgsk Gbvostjobt


Oknbs`s Jnrrgnio Senbbgbi

Wmur oxgstgbi Imel O\A gbvostjobt `ns doob neemfntol tmwnrls t`gs imne.

Nllgtgmbneey stnrt aros` jmbtèy gbvostjobt ma Ts.6,333 gb rntgm 0?% gb Oqugty JAnbl >?% gb Imel.

Vtnrt aros` jmbtèy VGS ma Ts.4,?33 gb Arnbkegb Gblgn DeuoF`gp Aubl nbl Ts.?33 gbVDG Imel Aubl.

Wmu nro nlvgsol tm s`gat ymur oqugty gbvostjobt systojntgfneey tm lodt ndmut


15/23

www.npbnpngsn.fmj

Ojnge8 apCnpbnpngsn.fmj Snio >< ma 44S`.8 344-11>6 >777


Fnr Surf`nso

Wmu wmuel egko tm duy n fnr nator 4 yonrs, w`gf` wgee fmst ymu Ts.9 enk`s tmlny.

Wmu nro nlvgsol tm pmstpmbo ymur fnr purf`nso tm ? yonrs ns tòro gs bm surpeusnvngendeo.

Vtnrt aros` jmbtèy gbvostjobt ma Ts.>6,133 gb Fmbsorvntgvo JGS Aubl ma JutuneAubl tm nffujuento tò losgrol fmrpus.

Vtnrt aros` jmbtèy VGS ma Ts.>6,133 gb Toegnbfo JGS Aubl.


16/23

www.npbnpngsn.fmj

Ojnge8 apCnpbnpngsn.fmj Snio >? ma 44S`.8 344-11>6 >777

Ostnto Senbbgbi

Yo strmbiey rofmjjobl jnkgbi n Ygee.


17/23

www.npbnpngsn.fmj


Gbvostjobt Nssots Njmubt TotgrojobtOknbs`'sJnrrgnio

Fmbtgbiobfy

Vnvgbis Dnbk ,03,333

SMJGV* >?,333

Dmbls* 13,333

Imel O\A ??,333

Oqugty/Dnenbfol Jutune Aubls 4,76,333 4,76,333

Gbsurnbfo - Aubl Qneuo 6,37,333 6,37,333

\mtne Nssots >9,?0,0?3 >3,79,333 ?4.13%

Smrtamegm Toturbs Dnenbfol Aubls >>.13%

Smrtamegm Toturbs - Imel & Howoery 30.33%

Nee gbvostjobts rofmjjoblol s`muel do s`gatol tm lodt systojntgfneey ns igvob gbrospoftgvo imne softgmb, nbl tò aros` gbvostjobts s`muel nesm do gbvostol systojntgfneey

tm lodt lurgbi t`gs porgml. \`gs `ns doob tnkob gbtm nffmubt gb tò oxpoftol rnto ma roturb

mb gbvostjobt.

Nee roturbs nro nssujol ns bot ma Gblgnb Gbfmjo tnx.

Bmbo ma tò roturbs nro iunrnbtool.

Nssot To-neemfntgmb


18/23

www.npbnpngsn.fmj


Fmbtgbiobfy Senbbgbi8GFGFG Sru Jmboy

Jnrkot Toiuenr AublTs.?.64 Enk`s Vtnrt NVNS

Egao Gbsurnbfo8Nvgvn g-Egao Senb Ts.?3 Enk`s Duy NVNS

EGF Hoovnb Nbnbl (Voojn) VurroblorGbvost gb GFGFG Sru Jmboy

Jnrkot Toiuenr Aubl

@LAF Egao _EGS* Vurroblor Gbvost gb GLAF SrojgorOqugty AublGFGFG Sru Egao _EGS* Vurroblor

* Vurroblor nator duygbi nllgtgmbne torj penb.

@onet` nbl Lgsndgegty Gbsurnbfo8

Voea + Vmb Npmeem Mptgjn Seus Ts.? Enk`s(loluftgdeo ma Ts.6 Enk`s)

Vpmuso Dnbk Ma Dnrmln @onet` Gbsurnbfo Ts.? Enk`s

Antòr + Jmtòr E&\ Jolgsuro Fenssgf SenbTs.6 Enk`s

(onf`)

Voea Duy Dnhnh Neegnbz Srojguj Sorsmbne Iunrl Ts.4? Enk`s

Voea Duy Nvgvn @onet` Vofuro Senb Ts.?3 Enk`s

Mtòr Imnes8Vr.

Bm.Imne

Gbvostjobt

Njt.Tojnrk/Vuiiostgmb

>. Totgrojobt VGS Ts.>?,333/- GFGFG Sru Amfusol DeuoF`gp Aubl

VGS Ts.9,?33/- GLAF Srojgor Oqugty Aubl

Ts.4,?33/- p.j. SSA

4. Oknbs`s Olufntgmb VGS Ts.>4,333/- _\G Mppmrtubgtgos Aubl

Ts.>,?33/- p.j. SSA

6. Oknbs`s Jnrrgnio VGS Ts.4,?33/- Arnbkegb Gblgn DeuoF`gp Aubl

VGS Ts.?33/- VDG Imel Aubl6,133/- Toegnbfo JGS Aubl

Voee ymur Lgroft Oqugty gbvostjobt nbl gbvost gb GFGFG Sru Amfusol DeuoF`gpAubl.

Gbvost _EGS surroblor vneuo prmfools gb GLAF Srojgor Oqugty Aubl. Wmu oxgstgbi JA gbvostjobt `ns nesm doob neemfntol tmwnrls t`gs imne, jnko

f`nbios ns rofmjjoblol ndmvo.

Vujjnry ma Tofmjjoblntgmbs


19/23

www.npbnpngsn.fmj


>. Agrst npprmvo t`gs agbnbfgne penb t`nt `ns doob hmgbtey lovoempol gb fmbsuetntgmbwgt` ymu. \òb jnko suro ymu oxofuto nee tò rofmjjoblntgmbs ns qugfkey ns

pmssgdeo.

4. Yòb duygbi tò rofmjjoblol gbsurnbfo prmlufts gt gs newnys nlvgsndeo tm duytòj mbegbo. \nko tò tgjo mut tm agee gb tò prmpmsne amrj aueey nbl lgsfemso

ovoryt`gbi aueey nbl fmjpeotoey. Tojojdor gt gs dottor tm iot nb Gbsurnbfo pmegfywgt` `giòr projguj mr ovob bmt tm iot mbo t`nb tm iot n pmegfy t`nt `ns doob

mdtngbol dy mjgttgbi roeovnbt lotnges mr jgsstntojobts.

6. Yo wgee rovgow t`gs penb wgt` ymu nt eonst mbfo ovory qunrtor. Tovgows fnb do gbporsmb gb mur maagfo, mb Vkypo mr mb p`mbo. Jnko suro t`nt ymu igvo tgjo amr t`gs

rovgow.

3.Gjpmrtnbt bujdors suf` ns tò fengjs lopnrtjobt ma tò jolgfne gbsurnbfofmjpnby mr fnr gbsurnbfo fmjpnby s`muel do stmrol gb ymur jmdgeo p`mbo nembi

wgt` tò roaorobfo bujdors amr onsy nffoss.

Vmjo imml prnftgfos ma agbnbfgne penbbgbi


20/23

www.npbnpngsn.fmj


>>.Lmb't loeny gbvostjobts mr pnyjobt ma ymur frolgt fnrl dgees/emnb OJGs dmt` matòj fnb naaoft ymur agbnbfgne auturo dnley= Ga ymu loeny gb stnrtgbi ymurgbvostjobts mb tgjo, tòb ymu wgee emso tò mppmrtubgty tm fronto obmui` fmrpusos

amr ymur auturo imnes. Gb fnso ymu loeny gb jnkgbi pnyjobts amr ymur frolgt fnrl

dgees nbl emnb OJGs tòb ymu wgee enbl up emworgbi ymur FGDGE sfmro nbl rgskymur f`nbfos ma iottgbi n emnb gb auturo.

>4.Iot ymur FGDGE ropmrt mbfo n yonr (gt fmsts Ts.>?6.Srmvglo ymur jmdgeo bujdor tm nee tò dnbk nffmubts nbl frolgt fnrls nbytrnbsnftgmbs t`nt gs lmbo mb ymur lodgt fnrl mr ymur frolgt fnrl gs ropmrtol tm ymur

jmdgeo bujdor.

>


21/23

www.npbnpngsn.fmj


\ò eoine lgsfengjor ameemws nt tò obl ma t`gs pnio. Dut tm jnko gt jmro

ublorstnblndeo òro gs n igst ma w`nt gt jonbs. Maa fmurso peonso ronl tò lotngeol

lgsfengjor ns woee sgbfo t`nt gs w`nt wgee nppey gb tò ubegkoey ovobt ma lgsputo8

>) \ò agbnbfgne penbs nro jnlo dnsol mb gbamrjntgmb prmvglol dy ymu. Ga tògbamrjntgmb gs bmt fmrroft mr tò obtgro gbamrjntgmb `ns bmt doob prmvglol tò penb

wgee do gbnloqunto mr lmwbrgi`t wrmbi.

4) Nee tò gbvostjobts rofmjjoblol nssujo n fortngb roturb. Gt gs bmt pmssgdeo

amr us tm iunrnbtoo nby suf` roturbs. Gb anft gb tò jmro rgsky nssot fenssos

tòro gs nesm n f`nbfo t`nt gbstonl ma iottgbi n roturb ymu wgee nftuneey jnko n

emss. Yo `nvo gblgfntol tò rgsk prmageo nppegfndeo tm jmst ma tò

rofmjjoblol gbvostjobts. Seonso aooe aroo tm nsk us nby quostgmbs mb lmudts

t`nt ymu jgi`t `nvo.

6) N fmjpnby gb w`gf` wo `nvo sgibgagfnbt gbtorost rubs n feutf` ma pmpuenrwodsgtos gbfeulgbi www.npbnpngsn.fmj nbl smjo mr nee ma tò rofmjjoblol

agbnbfgne sorvgfos prmvglors jny `nvo nlvortgsor, spmbsmr mr mtòr rovobuoonrbgbi roentgmbs`gps wgt` tòj. Ga t`gs jnkos ymu ubfmjamrtndeo ndmut mur

rofmjjoblntgmbs peonso eot us kbmw. Yo wmuel do `nppy tm prmvglo

rofmjjoblntgmbs losfrgdgbi tò bnturo ma prmluft t`nt ymu s`muel uso rntòr t`nbtò spofgagf prmluft. \`gs wgee obndeo ymu tm gblopoblobtey f`mmso tò prmlufts mb

ymur mwb.


22/23

www.npbnpngsn.fmj

Ojnge8 apCnpbnpngsn.fmj Snio 4> ma 44S`.8 344-11>6 >777

\`gs agbnbfgne penb gs n amrwnrl-emmkgbi lmfujobt wòro wo `nvo nssujol fortngb

roturb mb gbvostjobts mb vnrgmus gbvostjobt fenssos nbl gbaentgmb. \òso amrwnrl-

emmkgbi stntojobts gbvmevo, nbl nro sudhoft tm kbmwb nbl ubkbmwb rgsks,ubfortngbtgos nbl mtòr anftmrs, w`gf` fmuel fnuso nftune rosuets, poramrjnbfo mr

nf`govojobts tm lgaaor armj tò auturo rosuets, poramrjnbfo mr nf`govojobts

oxprossol mr gjpegol dy suf` amrwnrl-emmkgbi stntojobts.

Nee tòso amrwnrl-emmkgbi stntojobts nttrgdutndeo tm us òrogb nro oxprossey

qunegagol gb tògr obtgroty dy tò ndmvo-jobtgmbol fnutgmbnry stntojobt. Yo lm

bmt nffopt nby lgroft mr gblgroft egndgegty amr nby rosuets, poramrjnbfo mrnf`govojobts t`nt lgaaor armj rosuets, poramrjnbfo mr nf`govojobts gjpegol dy

suf` amrwnrl-emmkgbi stntojobts.

Yo lm bmt prmjgso t`nt tò gbvostjobts ymu jnko dnsol mb t`gs penb wgee doprmagtndeo. Gbvostjobts nro newnys sudhoft tm vnrgmus jnrkot, furrobfy, nbl

ofmbmjgf, pmegtgfne nbl dusgboss rgsks. Yo wgee bmt do egndeo amr nby emssos t`nt

jny do fnusol lgroftey mr gblgroftey dy suf` gbvostjobt lofgsgmbs.

\`gs agbnbfgne penb gs dnsol mb tò furrobt sgtuntgmb nbl imnes, w`gf` wgee f`nbio

wgt` tò pnssnio ma tgjo. Nby jntorgne f`nbio gb tò agbnbfgne sgtuntgmb ma tò

fegobt wgee bofossnrgey roblor tò fmbtobts ma tò penb mut ma lnto. Jntorgne f`nbiosroaor tm f`nbio gb gbfmjo/snenry eovoes, nssots nfqugrol, egndgegtgos gbfurrol,

f`nbio gb bujdor ma lopoblobts, ònet` fmblgtgmb, mr tò pnssnio ma tgjo ma jmro

t`nb >4 jmbt`s mr tò oaaoft ma gbaentgmb mr loaentgmb.

Yo strmbiey rofmjjobl t`nt8

n) Wmu rovgow t`gs penb porgmlgfneey tm obsuro t`nt ymur penbs nftune poramrjnbfogs fmbsgstobt gb jootgbi ymur imnes, nbl

d) Wmu uplnto ymur penb nbbuneey tm obsuro t`nt ymur penb gs uplntol amr ymurf`nbigbi sgtuntgmb nbl imnes.


23/23

www.npbnpngsn.fmj

Ojnge8 apCnpbnpngsn fmj Snio 44 ma 44

\`nbk Wmu

Anil's Financial Planning by Apnapaisa

Documents

Transcript of Anil's Financial Planning by Apnapaisa