Financial Freedom Package

Your guide to financial success

Khushi Consultants & Managers LLP

LinkedIn Group – Achieving Financial FreedomFacebook Page- market mantras simplified

Website- www.kcmonline.in www.ffp.kcmonline.in

Business Associates

Our Workshops/ Training Sessions

Our Delighted Clients

Working for Financial Abundance

Financial Freedom

Stress free life

Knowledge and Wisdom

Planned Retirement

Quality time to live & Explore

Opportunity to help others

Happiness

Working & Financial ConstraintFinancial StruggleStressful lifeScammed and ScammedForced RetirementNo timeFeeling helpless most timesLife struggle

Achieving Financial Freedom Illusion- Just Living !

Achieving Financial Freedom V/S Illusion Just Living

Tell their sons to

do it

He does the same

Tells his son to do this

It goes on until someday one in your family takes this step

to break this vicious circle

Work for Earned Income

Trapped in Vicious Circle

Age 23-30Establish yourself, save money,

get married

Age 30-55Children education, their

good upbringing, marriage

Age 55-75Getting Retire now,

maybe with money, but gifting to grand children,

keeping a legacy

At the endAnalyzing your life

Best or worst moment, this come the only time to think about yourself and you can

not do anything, so think now

Age 1-23 Study & Get Good Job

Earned Income Passive Income

Time is traded Product/Service is traded

Limited Resource Unlimited Resource

Limited Earning Potential Unlimited Potential

Stops once you stop working Perpetual, Virtually Endless

Less opportunity of Growth Opportunities are wide open

Earned Income V/S Passive Income

How to PLAN for

Financial Success?

“Your life recipe is your freedom portfolio and you have make it best, it is in your hand and you know

how to do it, you are just not aware”

Is Financial Freedom Possible?

What’s the Recipe for Freedom Portfolio?

Shiva

Sharpen you axe, here in this context axe is your mind; you are equipped with everything you just need to

sharpen it on regular basis

Investing

Financial Markets

Real Estate

Business

Only These Three Generates Passive Income

Financial Markets

FOREX

USD/INR, USD/JPY

CommodityGold/Silver Others

Stock MarketEquity Derivatives

Stock Market

Invest in Simple Company which you understand and you use their products

• If you are not making money or benefiting from falling market, you can not grow your portfolio, unless you are Warren Buffet.

• Rising Market- Buy Low Sell High• Shorting:- Short Selling

Sell High Buy Low• Hedging:- You don’t know when it’s going to

rain, Hedging is umbrella for your portfolio.

Sub Prime Crisis – 2008 (Shorting/Hedging)

Hedging• Call Option – Call means up• Put Option – Put means downHedging• Long Holding- Hedge with Put Option or Sell Higher

Strike Call Option (Can generate Passive Income)• If Shorted – Hedge with Call Options or Sell Lower

Strike Put Options • You can create numerous strategies like iron candor,

butterfly, covered call, FNO mix, Cash Future Arbitrage, Doji trade etc..

• Learn and implement:- Some strategies can give you consistent passive income and wonderful life.

BusinessInvestors Module

Open Market• IPO

• Stock Market

Closed Market• Seed Investor• Angel Investor• Venture Capitalist• Private Equity

Wings to your Freedom Portfolio

Promote Entrepreneurship

Facebook StoryMark Zukerberg

Age 26, Net Worth $ 13.5 Billion

Dustin Moskotiwz, FB 3rd EmployeeAge 26, Net worth $ 2.7 Billion

Sean ParkerNo Money Down DealInformation & Support

Age 30, N W: $ 1.6 BillionPeter Theil

Angel InvestorNet Worth $ 2.2 Billion

Eduardo SaverinFB Seed Investor

Age 29, Net Worth $ 1.6 Billion

Promote Entrepreneurship

Just Dial

088 888 8888Naukri.com

50 Paise to 2 Lacs

Per DayEntrepreneur

Real Estate- Case Example

Before starting the case following are the assumptions made-1. We recommend to buy property within 2 hour distance

from your nearest travel convenient center (Rail/ Bus).2. We recommend to have a property manager if you are

owning more than two rented property, as work gets very hectic.

3. This is first property bought to live.4. They have no plans to become investor any time soon.Base on the assumptions, here are three case

Case 1- Mr. ABought property at Mumbai Outer – AmbernathProperty Details –1 BHK – 550 Sq.ftCost- 6,00,000/- (Rounded off)Date- May 2007Cash Payment- 03 LacsLoan Payment- 03 LacsLoan Tenure – 05 Years Loan Amount- 7,000 (Approximate)

Case 2- Mr. BBought property at Mumbai Outer – AmbernathProperty Details –2 BHK – 650 Sq.ftCost- 4,00,000/- (Rounded off)Date- May 2005Cash Payment- 04 Lacs (Instalments)Loan Payment- N.ALoan Tenure – N.ALoan Amount- N.A

Case 3- Mr. CBought property at Mumbai Outer – Mira RoadProperty Details –1 BHK – 550 Sq.ftCost- 9,00,000/- (Rounded off)Date- May 2007Cash Payment- 03 LacsLoan Payment- 06 LacsLoan Tenure – 10 Years Loan Amount- 8,000 (Approximate)

Case 4- Mr. D• Real CaseNot bought any property any where, presently giving Rs. 8,000/- rent.2007 SituationCash 10 LacsSalary Rs. 30,000/- Good records since 20 years

FFP Structure- Property Buying for Living (No investor plans)

Mr. A

Present Situation, Investment 6 Lacs FFP Situation, Investment 6 Lacs

One Property Asset Value 25 Lacs Property1

Property 2

Property 2

After 6 years Asset Value

Property 3

Rs. 25,00,000 (25 lacs)

Property 3

Property 1

Rs. 25,00,000 (25 Lacs)

Total Value – Rs. 75,00,000/- (75 Lacs)

Rs. 25,00,000 (25 Lacs)

*taxation is not discounted

3 Lacs cash payment is divided into 1 lacs each cash payment of 3 exactly similar properties.

Loan is taken of 15 Lacs for 15 Years @9% in 2007, EMI 15000

Rent income Rs. 2,000/- per property i.e Rs. 6000 cumulative.Net EMI - Rs. 9000 (15000- 6000)(Approximate)

Present FFP Position

1. Three properties, Asset Value Rs. 75,00,000/-.

2. Rent income Rs. 15,000.3. Loan repaid Rs. 7,00,000/-.

Now, more importantly if you sell one property at Rs. 25,00,000/- and pay off your remaining loan amount i.e. Rs. 8,00,000.

You stand on profit Rs. 72,00,000/- with Rs. 3,00,000 investment.

Net Profit Rs. 57,00,000 (50 Lacs + 7 Lacs)Passive Income Rs. 5,000/- Years taken – 6 Years

FFP Structure- Property Buying for Living (No investor plans) Mr. B

Present Situation, Investment 4 Lacs FFP Situation, Investment 4 Lacs

One Property Asset Value 30 Lacs Property1

Property 2

Property 2

After 6 years Asset Value

Property 3

Rs. 30,00,000 (30 lacs)

Property 3

Property 1

Rs. 30,00,000 (30 Lacs)

Total Value – Rs. 90,00,000/- (90 Lacs)

Rs. 30,00,000 (30 Lacs)

*taxation is not discounted

Present FFP Position

1. Three properties, Asset Value Rs. 90,00,000/-.

2. Rent income Rs. 18,000.3. Loan repaid Rs. 4,00,000/-.

Now, the leverage magic, importantly if you sell one property at Rs. 30,00,000/- and pay off your remaining loan amount i.e. Rs. 5,00,000.

You stand on profit Rs. 87,00,000/- with Rs. 3,00,000 investment. Passive Income started after 3 years of Rs. 4,000/-

Passive Income Rs. 6,000/- Net Profit Rs. 80,00,000 (60 Lacs + 20 Lacs)Years taken – 6 Years

FFP Structure- Property Buying for Living (No investor plans) Mr. C

Present Situation, Investment 5 Lacs FFP Situation, Investment 5 Lacs

One Property Asset Value 40 Lacs Property1

Property 2

Property 2

After 6 years Asset Value

Property 3

Rs. 40,00,000 (40 lacs)

Property 3

Property 1

Rs. 40,00,000 (40 Lacs)

Total Value – Rs. 1,20,00,000/- (1.2 Cr)

Rs. 40,00,000 (40 Lacs)

*taxation is not discounted

Present FFP Position

1. Three properties, Asset Value Rs. 1,20,00,000/-.

2. Rent income Rs. 21,000.3. Loan repaid Rs. 10,00,000/-.

Now, the leverage magic, importantly if you sell one property at Rs. 40,00,000/- and pay off your remaining loan amount i.e. Rs. 15,00,000.

You stand on profit Rs. 1,15,00,000/- with Rs. 5,00,000 investment. Passive Income started after 3 years of Rs. 4,000/-

Net Profit Rs. 95,00,000 (80 Lacs + 15 Lacs)Passive Income Rs. 7,000/- Years taken – 6 Years

Real Estate - Investor Plan• Here you sell your one property after 50%

appreciation and pay off your loan.• Take LAP and Additional loan to buy three

more property. (you have rental income for 5 properties)

• You sell another property at 100% appreciation and pay off partial loan.

• You continue this until you reach your goal.• Caution:- This is very deep: Specialization is

Recommended

Achieving Destination (Financial Freedom)

Problem Faced

Knowledge Time Money

Financial Freedom Package

Money

Time

Knowledge

Financial Freedom Package - Advisory

FFP + Education Kit25,000/- Customized training and support.

Annual Renewal Charges Rs. 3,000/-(Newsletter, Loan Manager and FPR)

FPR & Personal Workshop• Once enrolment is done, you are assigned a FPR (Freedom

Planner Representative)• FPR analyses your present situation and designs your

primary freedom portfolio.• After designing your customized freedom portfolio, you

are given handbook and after 2 weeks workshop is conducted.

• Workshop includes basic training of all three levels and final session is brainstorming.

• After the workshop, your analysis is done and freedom portfolio first review is made.

• Depending upon the understanding and other factors you will be guided for your first level.

Financial Freedom Package - Education

• FPR & Work Shop – Rs. 25,000/- Qualification required (Passive income stages)• Financial Market Package – Rs. 50,000/-• Business Entrepreneurship Package - Rs. 50,000/-• Real Estate Package – Rs. 50,000/-

Only 4 times in a Year

Financial Services Subscription

• News Update• Money & Trade Management • Quarterly Performance Track

Business Services• Our internal investor meets and

entrepreneurship club enrolment.• Membership to our “Find your Deal- Business”

E-Mail Subscription.

• Membership to our “Find your Deal- Real Estate” E-Mail Subscription.

• Property Consulting Online Manager.

Real Estate Services

• It provides you most important tool – KNOWLEDGE• It gives you power to analyse and filter all information,

rather than depending upon others. (No one can make you fool)

• It provides you leverage of three important things- Knowledge. Time. Money.• It guides you all through your path with best advice.• Provides you best opportunities and life time support for

making better decisions.

Summary

• It gives you real edge over whatever you do.• It changes your lifestyle completely. Once you are out

of this room you are no more what you were and you know that, and once you attend our two day workshop you will be sharper, stronger and performer.

• Gives you 15 ways to generate passive income. This can be started from day 1.

• You can enjoy your dream life, retire financially free in just 6 months, all you have to do is to commit and be dedicated.

• One of my favourite – it empowers you help people, change society, contribute to human race, create and achieve not only for oneself but for whole community.

KRA – You Can Generate Passive Income Stream without Affecting Your Present Occupation.

This product is priceless; no price can achieve its value.