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Page 1: Financial planning : Do it Yourself

Financial Planning

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Do It Yourself…

PHASE - 1 of 2

Page 3: Financial planning : Do it Yourself

Financial Planning

DISCLAIMER

With the prior permission of the author Mr. Manish Chauhan, contents of his book “How To Be Your Own Financial Planner

in 10 Steps” are included / used / referenced in this presentation. So, this presentation doesn’t violate rules of Copyrights Act as

mentioned in the book by the author himself.

Also, by any means this presentation isn’t meant to harm anyone’ssentiments, financial policies or any other term/field of

financial sector. Unconditional apologies.

Page 4: Financial planning : Do it Yourself

Financial Planning

Sorry, but initially i want you to

think a little…..

Things will be easier later on,

Page 5: Financial planning : Do it Yourself

Extreme Concentration NEEDED,

For Next

Points

Financial Planning

3

Page 6: Financial planning : Do it Yourself

1. It is a TOUGH TASK

2. Difficult to Understand

3. NEVER Do It SELF

Financial Planning

Page 7: Financial planning : Do it Yourself

1. It is a TOUGH TASK

2. Difficult to Understand

3. NEVER Do It SELF

Financial Planning

Page 8: Financial planning : Do it Yourself

1. It is a TOUGH TASK

2. Difficult to Understand

3. NEVER Do It SELF

Financial Planning

Page 9: Financial planning : Do it Yourself

1. It is a TOUGH TASK

2. Difficult to Understand

3. NEVER Do It SELF

Financial Planning

Page 10: Financial planning : Do it Yourself

1. It is a TOUGH TASK

2. Difficult to Understand

3. NEVER Do It SELF

Financial Planning

Page 11: Financial planning : Do it Yourself

1. It is a TOUGH TASK

2. Difficult to Understand

3. NEVER Do It SELF

Financial Planning

Page 12: Financial planning : Do it Yourself

1. It is a TOUGH TASK

2. Difficult to Understand

3. NEVER Do It SELF

Financial Planning

Page 13: Financial planning : Do it Yourself

1. It is a TOUGH TASK

2. Difficult to Understand

3. NEVER Do It SELF

Financial Planning

Page 14: Financial planning : Do it Yourself

Financial Planning

Page 15: Financial planning : Do it Yourself

Financial Planning

If you take Financial Planning as:

• Centralized with money,• Practical Decision System,• Emotionless Decision Making Power and,• Quick Money Making System

Page 16: Financial planning : Do it Yourself

Financial Planning

If you take Financial Planning as:

• Centralized with money,• Practical Decision System,• Emotionless Decision Making Power and,• Quick Money Making System

Page 17: Financial planning : Do it Yourself

Financial Planning

If you take Financial Planning as:

• Centralized with money,• Practical Decision System,• Emotionless Decision Making Power and,• Quick Money Making System

Page 18: Financial planning : Do it Yourself

Financial Planning

If you take Financial Planning as:

• Centralized with money,• Practical Decision System,• Emotionless Decision Making Power and,• Quick Money Making System

Page 19: Financial planning : Do it Yourself

Financial Planning

If you take Financial Planning as:

• Centralized with money,• Practical Decision System,• Emotionless Decision Making Power and,• Quick Money Making System

Page 20: Financial planning : Do it Yourself

Financial Planning

If you take Financial Planning as:

• Centralized with money,• Practical Decision System,• Emotionless Decision Making Power and,• Quick Money Making System

Page 21: Financial planning : Do it Yourself

Financial Planning

If you take Financial Planning as:

• Centralized with money,• Practical Decision System,• Emotionless Decision Making Power and,• Quick Money Making System

EXCEPT THIS

Page 22: Financial planning : Do it Yourself

Financial Planning

Let’s Build a Thought Process Now…

Ease YourselfChapter – 1 of 5

Page 23: Financial planning : Do it Yourself

Few Terms First….. (Slide 1/2)

Surrender Value (term 1/3): It is the worth of Life Insurance Policyat a given point of time. It is the amount you getwhen you surrender the policy before maturity.

Paid up Policy (term 2/3): It means you to not fill premiums any more.If you don’t want to surrender policy and also don’t wantto give premiums, then make it a paid up policy. It canbe done only if you filled some previous premiums.

Financial Planning

Page 24: Financial planning : Do it Yourself

Few Terms First….. (Slide 2/2)

Bonus (term 3/3): Many traditional policies announce yearly bonuswhich keeps on accumulating and given to you at theend of maturity.

Financial Planning

Page 25: Financial planning : Do it Yourself

Financial Planning

Optimizing LIPs (Life Insurance Policies)

Preliminary Thought

Don’t fool others by saying:

i don’t take Life policies for investments it’s ONLY becoz I want my family security

Page 26: Financial planning : Do it Yourself

Optimizing LIPs (Life Insurance Policies)

Preliminary Thought

Don’t fool others by saying:

i don’t take Life policies for investments it’s ONLY becoz I want my family security

Financial Planning

Page 27: Financial planning : Do it Yourself

Optimizing LIPs (Life Insurance Policies)

Preliminary Thought

Don’t fool others by saying:

i don’t take Life policies for investments it’s ONLY becoz I want my family security

Financial Planning

Page 28: Financial planning : Do it Yourself

Financial Planning

Optimizing LIPs (Life Insurance Policies)

1. Don’t go for many no. of Life Insurance Policies

ADVANTAGES YOU ASK ?• Manage less no. Of policies• Keep less documents• BIGGEST ADVANTAGE COMES NOW:

o If death kisses you someday (this is not advantage)….. Your family should not face hardships in claiming from all those many policies…..

Page 29: Financial planning : Do it Yourself

Financial Planning

Optimizing LIPs (Life Insurance Policies)

1. Don’t go for many no. of Life Insurance Policies

ADVANTAGES YOU ASK ?• Manage less no. Of policies• Keep less documents• BIGGEST ADVANTAGE COMES NOW:

o If death kisses you someday (this is not advantage)….. Your family should not face hardships in claiming from all those many policies…..

Page 30: Financial planning : Do it Yourself

Financial Planning

Optimizing LIPs (Life Insurance Policies)

1. Don’t go for many no. of Life Insurance Policies

ADVANTAGES YOU ASK ?• Manage less no. Of policies• Keep less documents• BIGGEST ADVANTAGE COMES NOW:

o If death kisses you someday (this is not advantage)….. Your family should not face hardships in claiming from all those many policies…..

Page 31: Financial planning : Do it Yourself

Financial Planning

Optimizing LIPs (Life Insurance Policies)

1. Don’t go for many no. of Life Insurance Policies

ADVANTAGES YOU ASK ?• Manage less no. Of policies• Keep less documents• BIGGEST ADVANTAGE COMES NOW:

o If death kisses you someday (this is not advantage)….. Your family should not face hardships in claiming from all those many policies…..

Page 32: Financial planning : Do it Yourself

Financial Planning

Optimizing LIPs (Life Insurance Policies)

1. Don’t go for many no. of Life Insurance Policies

ADVANTAGES YOU ASK ?• Manage less no. Of policies• Keep less documents• BIGGEST ADVANTAGE COMES NOW:

o If death kisses you someday (this is not advantage)….. Your family should not face hardships in claiming from all those many policies…..

Page 33: Financial planning : Do it Yourself

Financial Planning

Optimizing LIPs (Life Insurance Policies)

1. Don’t go for many no. of Life Insurance Policies

ADVANTAGES YOU ASK ?• Manage less no. Of policies• Keep less documents• BIGGEST ADVANTAGE COMES NOW:

o If death kisses you someday (which is not an advantage)….. Your family should not face hardships in claiming from all those many policies…..

Page 34: Financial planning : Do it Yourself

Financial Planning

1-2 Life Insurance Policies equivalent to 10-20 Focus on life cover amount, not on number of policies

Clean Life Insurance Portfolio

Stop low maturity value policies Stop filling premiums for them Trust me, its not a loss It’s a step towards profit in Life cover

Take term plans and LIP. THAT’S IT. Divide the premium for term and LIP Trust me, its not a loss It’s a step towards profit

Page 35: Financial planning : Do it Yourself

Financial Planning

1-2 Life Insurance Policies equivalent to 10-20 Focus on life cover amount, not on number of policies

Clean Life Insurance Portfolio

Stop low maturity value policies Stop filling premiums for them Trust me, its not a loss It’s a step towards profit in Life cover

Take term plans and LIP. THAT’S IT. Divide the premium for term and LIP Trust me, its not a loss It’s a step towards profit

Page 36: Financial planning : Do it Yourself

Financial Planning

1-2 Life Insurance Policies equivalent to 10-20 Focus on life cover amount, not on number of policies

Clean Life Insurance Portfolio

Stop low maturity value policies Stop filling premiums for them Trust me, its not a loss It’s a step towards profit in Life cover

Take term plans and LIP. THAT’S IT. Divide the premium for term and LIP Trust me, its not a loss It’s a step towards profit

Page 37: Financial planning : Do it Yourself

Financial Planning

1-2 Life Insurance Policies equivalent to 10-20 Focus on life cover amount, not on number of policies

Clean Life Insurance Portfolio

Stop low maturity value policies Stop filling premiums for them Trust me, its not a loss It’s a step towards profit in Life cover

Take term plans and LIP. THAT’S IT. Divide the premium for term and LIP Trust me, its not a loss It’s a step towards profit

Page 38: Financial planning : Do it Yourself

Financial Planning

1-2 Life Insurance Policies equivalent to 10-20 Focus on life cover amount, not on number of policies

Clean Life Insurance Portfolio

Stop low maturity value policies Stop filling premiums for them Trust me, its not a loss It’s a step towards profit in Life cover

Take term plans and LIP. THAT’S IT. Divide the premium for term and LIP Trust me, its not a loss It’s a step towards profit

Page 39: Financial planning : Do it Yourself

Financial Planning

1-2 Life Insurance Policies equivalent to 10-20 Focus on life cover amount, not on number of policies

Clean Life Insurance Portfolio

Stop low maturity value policies Stop filling premiums for them Trust me, its not a loss It’s a step towards profit in Life cover

Take term plans and LIP. THAT’S IT. Divide the premium for term and LIP Trust me, its not a loss It’s a step towards profit

Page 40: Financial planning : Do it Yourself

Financial Planning

1-2 Life Insurance Policies equivalent to 10-20 Focus on life cover amount, not on number of policies

Clean Life Insurance Portfolio

Stop low maturity value policies Stop filling premiums for them Trust me, its not a loss It’s a step towards profit in Life cover

Take term plans and LIP. THAT’S IT. Divide the premium for term and LIP Trust me, its not a loss It’s a step towards profit

Page 41: Financial planning : Do it Yourself

Financial Planning

1-2 Life Insurance Policies equivalent to 10-20 Focus on life cover amount, not on number of policies

Clean Life Insurance Portfolio

Stop low maturity value policies Stop filling premiums for them Trust me, its not a loss It’s a step towards profit in Life cover

Take term plans and LIP. THAT’S IT. Divide the premium for term and LIP Trust me, its not a loss It’s a step towards profit

Page 42: Financial planning : Do it Yourself

Financial Planning

Points to Ponder

• Surrender the policies which provide low life cover• Start a new one with high cover value• REMEMBER: Don’t bother much for biggest cover•REMEMBER: Amount 10,00,000 = 15,00,000•REMEMBER: Amount 20,00,000 = 25,00,000• One High Life Cover = Lots of Small-Small Covers• An example may lengthen the topic, Let me know if you want one…..

Page 43: Financial planning : Do it Yourself

Financial Planning

Points to Ponder

• Surrender the policies which provide low life cover• Start a new one with high cover value• REMEMBER: Don’t bother much for biggest cover•REMEMBER: Amount 10,00,000 = 15,00,000•REMEMBER: Amount 20,00,000 = 25,00,000• One High Life Cover = Lots of Small-Small Covers• An example may lengthen the topic, Let me know if you want one…..

Page 44: Financial planning : Do it Yourself

Financial Planning

Points to Ponder

• Surrender the policies which provide low life cover• Start a new one with high cover value• REMEMBER: Don’t bother much for biggest cover•REMEMBER: Amount 10,00,000 = 15,00,000•REMEMBER: Amount 20,00,000 = 25,00,000• One High Life Cover = Lots of Small-Small Covers• An example may lengthen the topic, Let me know if you want one…..

Page 45: Financial planning : Do it Yourself

Financial Planning

Points to Ponder

• Surrender the policies which provide low life cover• Start a new one with high cover value• REMEMBER: Don’t bother much for biggest cover•REMEMBER: Amount 10,00,000 = 15,00,000•REMEMBER: Amount 20,00,000 = 25,00,000• One High Life Cover = Lots of Small-Small Covers• An example may lengthen the topic, Let me know if you want one…..

Page 46: Financial planning : Do it Yourself

Financial Planning

Points to Ponder

• Surrender the policies which provide low life cover• Start a new one with high cover value• REMEMBER: Don’t bother much for biggest cover•REMEMBER: Amount 10,00,000 = 15,00,000•REMEMBER: Amount 20,00,000 = 25,00,000• One High Life Cover = Lots of Small-Small Covers• An example may lengthen the topic, Let me know if you want one…..

Page 47: Financial planning : Do it Yourself

Financial Planning

Points to Ponder

• Surrender the policies which provide low life cover• Start a new one with high cover value• REMEMBER: Don’t bother much for biggest cover•REMEMBER: Amount 10,00,000 = 15,00,000•REMEMBER: Amount 20,00,000 = 25,00,000• One High Life Cover = Lots of Small-Small Covers

Page 48: Financial planning : Do it Yourself

Financial Planning

Dump The Small Policies+

Take Term Insurance Plans+

Use Fixed Deposits

Repeat With Me…..

Page 49: Financial planning : Do it Yourself

Dump The Small Policies+

Take Term Insurance Plans+

Use Fixed Deposits

Repeat With Me…..

Financial Planning

Page 50: Financial planning : Do it Yourself

Financial Planning

Dump The Small Policies+

Take Term Insurance Plans+

Use Fixed Deposits

Repeat With Me…..

Page 51: Financial planning : Do it Yourself

Financial Planning

Quick Fires ?

2

Page 52: Financial planning : Do it Yourself

Financial Planning

Life Insurance + Term Policy(What’s the Big Deal?)

Page 53: Financial planning : Do it Yourself

Financial Planning

Let’s bring an example here:

Life Insurance + Term Policy(What’s the Big Deal?)

Page 54: Financial planning : Do it Yourself

Financial Planning

Let’s say you have Rs. 40,000/yr to invest.

JUST Rs. 40,000 per year

• Don’t worry,• It’s a normal, simple and low amount• You can afford it easily

Page 55: Financial planning : Do it Yourself

Financial Planning

Let’s say you have Rs. 40,000/yr to invest.

JUST Rs. 40,000 per year

• Don’t worry,• It’s a normal, simple and low amount• You can afford it easily

Page 56: Financial planning : Do it Yourself

Financial Planning

Let’s say you have Rs. 40,000/yr to invest.

JUST Rs. 40,000 per year

• Don’t worry,• It’s a normal, simple and low amount• You can afford it easily

Page 57: Financial planning : Do it Yourself

Financial Planning

Rs. 40,000 per year• Rs. 5,000 per year• Take a Life Insurance • Expect cover near to Rs. 50 lakhs• For lets say, 23 years? Ok.• After 23 years?• Rs. 50 lakhs• If you die, your family is somewhat safe

• Rs. 35,000 per year• Do fixed deposits• Lets assume 8% PPF rate• Lets say 23 years? Ok.• With Compound Interest• Near to Rs. 23 lakhs

TOTAL: Rs. 50 lakhs + Rs. 23 lakhs

Page 58: Financial planning : Do it Yourself

Financial Planning

Rs. 40,000 per year• Rs. 5,000 per year• Take a Life Insurance • Expect cover near to Rs. 50 lakhs• For lets say, 23 years? Ok.• After 23 years?• Rs. 50 lakhs• If you die, your family is somewhat safe

• Rs. 35,000 per year• Do fixed deposits• Lets assume 8% PPF rate• Lets say 23 years? Ok.• With Compound Interest• Near to Rs. 23 lakhs

TOTAL: Rs. 50 lakhs + Rs. 23 lakhs

Page 59: Financial planning : Do it Yourself

Financial Planning

Rs. 40,000 per year• Rs. 5,000 per year• Take a Life Insurance • Expect cover near to Rs. 50 lakhs• For lets say, 23 years? Ok.• After 23 years?• Rs. 50 lakhs• If you die, your family is somewhat safe

• Rs. 35,000 per year• Do fixed deposits• Lets assume 8% PPF rate• Lets say 23 years? Ok.• With Compound Interest• Near to Rs. 23 lakhs

TOTAL: Rs. 50 lakhs + Rs. 23 lakhs

Page 60: Financial planning : Do it Yourself

Financial Planning

Rs. 40,000 per year• Rs. 5,000 per year• Take a Life Insurance • Expect cover near to Rs. 50 lakhs• For lets say, 23 years? Ok.• After 23 years?• Rs. 50 lakhs• If you die, your family is somewhat safe

• Rs. 35,000 per year• Do fixed deposits• Lets assume 8% PPF rate• Lets say 23 years? Ok.• With Compound Interest• Near to Rs. 23 lakhs

TOTAL: Rs. 50 lakhs + Rs. 23 lakhs

Page 61: Financial planning : Do it Yourself

Financial Planning

Rs. 40,000 per year• Rs. 5,000 per year• Take a Life Insurance • Expect cover near to Rs. 50 lakhs• For lets say, 23 years? Ok.• After 23 years?• Rs. 50 lakhs• If you die, your family is somewhat safe

• Rs. 35,000 per year• Do fixed deposits• Lets assume 8% PPF rate• Lets say 23 years? Ok.• With Compound Interest• Near to Rs. 23 lakhs

TOTAL: Rs. 50 lakhs + Rs. 23 lakhs

Page 62: Financial planning : Do it Yourself

Financial Planning

Rs. 40,000 per year• Rs. 5,000 per year• Take a Life Insurance • Expect cover near to Rs. 50 lakhs• For lets say, 23 years? Ok.• After 23 years?• Rs. 50 lakhs• If you die, your family is somewhat safe

• Rs. 35,000 per year• Do fixed deposits• Lets assume 8% PPF rate• Lets say 23 years? Ok.• With Compound Interest• Near to Rs. 23 lakhs

TOTAL: Rs. 50 lakhs + Rs. 23 lakhs

Page 63: Financial planning : Do it Yourself

Financial Planning

Rs. 40,000 per year• Rs. 5,000 per year• Take a Life Insurance • Expect cover near to Rs. 50 lakhs• For lets say, 23 years? Ok.• After 23 years?• Rs. 50 lakhs• If you die, your family is somewhat safe

• Rs. 35,000 per year• Do fixed deposits• Lets assume 8% PPF rate• Lets say 23 years? Ok.• With Compound Interest• Near to Rs. 23 lakhs

TOTAL: Rs. 50 lakhs + Rs. 23 lakhs

Page 64: Financial planning : Do it Yourself

Financial Planning

Rs. 40,000 per year• Rs. 5,000 per year• Take a Life Insurance • Expect cover near to Rs. 50 lakhs• For lets say, 23 years? Ok.• After 23 years?• Rs. 50 lakhs• If you die, your family is somewhat safe

• Rs. 35,000 per year• Do fixed deposits• Lets assume 8% PPF rate• Lets say 23 years? Ok.• With Compound Interest• Near to Rs. 23 lakhs

TOTAL: Rs. 50 lakhs + Rs. 23 lakhs

Page 65: Financial planning : Do it Yourself

Financial Planning

Much better 50+23

THAN JUST

50 of Life Insurance

Page 66: Financial planning : Do it Yourself

Financial Planning

SUMMARY (Chapter - 1)

Minimize no. of Life Insurance Policies Don’t treat life cover as Investment tool Take Terms plans and Life Insurance Divide appropriate premium b/w them Also go for Fixed deposits They are like savings

Page 67: Financial planning : Do it Yourself

Financial Planning

Never Ever Gives QUICK MONEY !

investmentsChapter - 2 of 5

Page 68: Financial planning : Do it Yourself

Financial Planning

DRAW Something your BEST

on next SHEET

Page 69: Financial planning : Do it Yourself

Financial Planning

Page 70: Financial planning : Do it Yourself

Financial Planning

Done?

Page 71: Financial planning : Do it Yourself

Financial Planning

Done?Now, Draw same beauty on this….. ->

Page 72: Financial planning : Do it Yourself

Financial Planning

Page 73: Financial planning : Do it Yourself

Financial Planning

WANT CLEANUP ?

Page 74: Financial planning : Do it Yourself

Financial Planning

WANT CLEANUP ?

That’s my next point…..

Page 75: Financial planning : Do it Yourself

Financial Planning

• Our Financial Life is like sheet of paper• Every scribble OR Every dirt means…..

BAD DECISIONS !

Page 76: Financial planning : Do it Yourself

Financial Planning

• Our Financial Life is like sheet of paper• Every scribble OR Every dirt means…..

BAD DECISIONS !

Page 77: Financial planning : Do it Yourself

Financial Planning

This Diwali, Let’s clean few things here…..

Page 78: Financial planning : Do it Yourself

Financial Planning

Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts

Optimize ULIPs Optimize Credit Cards Optimize other investments

What is There to Clean ?

Page 79: Financial planning : Do it Yourself

Financial Planning

Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts

Optimize ULIPs Optimize Credit Cards Optimize other investments

What is There to Clean ?

Page 80: Financial planning : Do it Yourself

Financial Planning

Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts

Optimize ULIPs Optimize Credit Cards Optimize other investments

What is There to Clean ?

Page 81: Financial planning : Do it Yourself

Financial Planning

Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts

Optimize ULIPs Optimize Credit Cards Optimize other investments

What is There to Clean ?

Page 82: Financial planning : Do it Yourself

Financial Planning

Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts

Optimize ULIPs Optimize Credit Cards Optimize other investments

What is There to Clean ?

Page 83: Financial planning : Do it Yourself

Financial Planning

Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts

Optimize ULIPs Optimize Credit Cards Optimize other investments

What is There to Clean ?

Page 84: Financial planning : Do it Yourself

Financial Planning

Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts

Optimize ULIPs Optimize Credit Cards Optimize other investments

What is There to Clean ?

Page 85: Financial planning : Do it Yourself

Financial Planning

OPTIMIZE STOCKS

Page 86: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

2 Categories for People in here:

1. Serious investors searching wealth

2. Investors searching QUICK GAINS

Page 87: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Serious investors searching wealth

Not looking for quick gains Very clear about rules of stocks Deeply study tricks of this game Have deep vision on stocks Know exactly how to make money over long terms

On right path They don’t need any cleanup here

Page 88: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Serious investors searching wealth

Not looking for quick gains Very clear about rules of stocks Deeply study tricks of this game Have deep vision on stocks Know exactly how to make money over long terms

On right path They don’t need any cleanup here

Page 89: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Serious investors searching wealth

Not looking for quick gains Very clear about rules of stocks Deeply study tricks of this game Have deep vision on stocks Know exactly how to make money over long terms

On right path They don’t need any cleanup here

Page 90: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Serious investors searching wealth

Not looking for quick gains Very clear about rules of stocks Deeply study tricks of this game Have deep vision on stocks Know exactly how to make money over long terms

On right path They don’t need any cleanup here

Page 91: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Serious investors searching wealth

Not looking for quick gains Very clear about rules of stocks Deeply study tricks of this game Have deep vision on stocks Know exactly how to make money over long terms

On right path They don’t need any cleanup here

Page 92: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Serious investors searching wealth

Not looking for quick gains Very clear about rules of stocks Deeply study tricks of this game Have deep vision on stocks Know exactly how to make money over long terms

On right path They don’t need any cleanup here

Page 93: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Serious investors searching wealth

Not looking for quick gains Very clear about rules of stocks Deeply study tricks of this game Have deep vision on stocks Know exactly how to make money over long terms

On right path They don’t need any cleanup here

Page 94: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Serious investors searching wealth

Not looking for quick gains Very clear about rules of stocks Deeply study tricks of this game Have deep vision on stocks Know exactly how to make money over long terms

On right path They don’t need any cleanup here

Page 95: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Investors searching QUICK GAINS

• 99% of stock population• Looking quick money in weeks or months• Sell shares ASAP see profit• Look charts, stock prices, but FOCUS profits• Buy on tips of friends or other means• Subscribe SMSs, channels, etc.• Want to label:

LUCKAs

TALENT

Page 96: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Investors searching QUICK GAINS

• 99% of stock population• Looking quick money in weeks or months• Sell shares ASAP see profit• Look charts, stock prices, but FOCUS profits• Buy on tips of friends or other means• Subscribe SMSs, channels, etc.• Want to label:

LUCKAs

TALENT

Page 97: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Investors searching QUICK GAINS

• 99% of stock population• Looking quick money in weeks or months• Sell shares ASAP see profit• Look charts, stock prices, but FOCUS profits• Buy on tips of friends or other means• Subscribe SMSs, channels, etc.• Want to label:

LUCKAs

TALENT

Page 98: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Investors searching QUICK GAINS

• 99% of stock population• Looking quick money in weeks or months• Sell shares ASAP see profit• Look charts, stock prices, but FOCUS profits• Buy on tips of friends or other means• Subscribe SMSs, channels, etc.• Want to label:

LUCKAs

TALENT

Page 99: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Investors searching QUICK GAINS

• 99% of stock population• Looking quick money in weeks or months• Sell shares ASAP see profit• Look charts, stock prices, but FOCUS profits• Buy on tips of friends or other means• Subscribe SMSs, channels, etc.• Want to label:

LUCKAs

TALENT

Page 100: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Investors searching QUICK GAINS

• 99% of stock population• Looking quick money in weeks or months• Sell shares ASAP see profit• Look charts, stock prices, but FOCUS profits• Buy on tips of friends or other means• Subscribe SMSs, channels, etc.• Want to label:

LUCKAs

TALENT

Page 101: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Investors searching QUICK GAINS

• 99% of stock population• Looking quick money in weeks or months• Sell shares ASAP see profit• Look charts, stock prices, but FOCUS profits• Buy on tips of friends or other means• Subscribe SMSs, channels, etc.• Want to label:

LUCKAs

TALENT

Page 102: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Investors searching QUICK GAINS

• 99% of stock population• Looking quick money in weeks or months• Sell shares ASAP see profit• Look charts, stock prices, but FOCUS profits• Buy on tips of friends or other means• Subscribe SMSs, channels, etc.• Want to label:

LUCKAs

TALENT

Page 103: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Investors searching QUICK GAINS

• Brokers take advantage of such people

WHAT TO DO NOW ?

Page 104: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Investors searching QUICK GAINS

• Brokers take advantage of such people

WHAT TO DO NOW ?

Page 105: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Investors searching QUICK GAINS

Get rid of STOCKS asap Dying to play stocks? Invest in mutual funds

Page 106: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Investors searching QUICK GAINS

Get rid of STOCKS asap Dying to play stocks? Invest in mutual funds

Page 107: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Investors searching QUICK GAINS

Get rid of STOCKS asap Dying to play stocks? Invest in mutual funds

Page 108: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Investors searching QUICK GAINS

Get rid of STOCKS asap Dying to play stocks? Invest in mutual funds

WHY GET RID ?

Page 109: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Investors searching QUICK GAINS

Get rid of STOCKS asap Dying to play stocks? Invest in mutual funds

What’s the Problem ?

Page 110: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Investors searching QUICK GAINS

i don’t have any problem….. You have 2:

Your money is locked in thereo Use it in other parts of life

You think a lot about those stockso It consumes you precious time

Page 111: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Investors searching QUICK GAINS

i don’t have any problem….. You have 2:

Your money is locked in thereo Use it in other parts of life

You think a lot about those stockso It consumes you precious time

Page 112: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Investors searching QUICK GAINS

i don’t have any problem….. You have 2:

Your money is locked in thereo Use it in other parts of life

You think a lot about those stockso It consumes you precious time

Page 113: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Investors searching QUICK GAINS

i don’t have any problem….. You have 2:

Your money is locked in thereo Use it in other parts of life

You think a lot about those stockso It consumes you precious time

Page 114: Financial planning : Do it Yourself

Financial Planning

Quick Fires ?

2

Page 115: Financial planning : Do it Yourself

Financial Planning

OPTIMIZE MUTUAL FUNDS

Page 116: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

a MYTH lives here also…..

Page 117: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Many Investors Feel That:

• More mutual funds they invest in,• The better it is…..

What’s the TRUTH?

• Mutual funds aren’t like:o Stamp collection, oro Coin CollectionoMore is not always better…..

Page 118: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Many Investors Feel That:

• More mutual funds they invest in,• The better it is…..

What’s the TRUTH?

• Mutual funds aren’t like:o Stamp collection, oro Coin CollectionoMore is not always better…..

Page 119: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Many Investors Feel That:

• More mutual funds they invest in,• The better it is…..

What’s the TRUTH?

• Mutual funds aren’t like:o Stamp collection, oro Coin CollectionoMore is not always better…..

Page 120: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Many Investors Feel That:

• More mutual funds they invest in,• The better it is…..

What’s the TRUTH?

• Mutual funds aren’t like:o Stamp collection, oro Coin CollectionoMore is not always better…..

Page 121: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Many Investors Feel That:

• More mutual funds they invest in,• The better it is…..

What’s the TRUTH?

• Mutual funds aren’t like:o Stamp collection, oro Coin CollectionoMore is not always better…..

Page 122: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

What Matters in Mutual Funds ?• The allocation in different stocks• Their quality

Already invested in same kinds of stocks?

WHAT TO DO NOW ?

Page 123: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

What Matters in Mutual Funds ?• The allocation in different stocks• Their quality

Already invested in same kinds of stocks?

WHAT TO DO NOW ?

Page 124: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

What Matters in Mutual Funds ?• The allocation in different stocks• Their quality

Already invested in same kinds of stocks?

WHAT TO DO NOW ?

Page 125: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Just 2 steps for now:

• SHUT all the current Mutual Funds

AND

Page 126: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Just 2 steps for now:

• SHUT all the current Mutual Funds

AND

Page 127: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Just 2 steps for now:

• SHUT all the current Mutual Funds

AND

Page 128: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Just 2 steps for now:

• SHUT all the current Mutual Funds

AND

Page 129: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Just 2 steps for now:

• SHUT all the current Mutual Funds

AND

Page 130: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Restart

Page 131: Financial planning : Do it Yourself

Financial Planning

OPTIMIZE BANK ACCOUNTS

Page 132: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Again comes the COUNT…..

Page 133: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• Lesser the bank accounts,

• Lesser the number of fixed deposits,

• THE BETTER

Page 134: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• Lesser the bank accounts,

• Lesser the number of fixed deposits,

• THE BETTER

Page 135: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• Lesser the bank accounts,

• Lesser the number of fixed deposits,

• THE BETTER

Page 136: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHY BETTER ?

Page 137: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

HOW BETTER ?

Page 138: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• Not much problem unless you are dead,o Afterwards, your family faces problems,o Claim each bank account,o Claim each fixed deposit,o A lengthy process…..

• Each bank has different cheque-books• Account Statements• Different penalty charges• And you keep track all of this…..

Page 139: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• Not much problem unless you are dead,o Afterwards, your family faces problems,o Claim each bank account,o Claim each fixed deposit,o A lengthy process…..

• Each bank has different cheque-books• Account Statements• Different penalty charges• And you keep track all of this…..

Page 140: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• Not much problem unless you are dead,o Afterwards, your family faces problems,o Claim each bank account,o Claim each fixed deposit,o A lengthy process…..

• Each bank has different cheque-books• Account Statements• Different penalty charges• And you keep track all of this…..

Page 141: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• Not much problem unless you are dead,o Afterwards, your family faces problems,o Claim each bank account,o Claim each fixed deposit,o A lengthy process…..

• Each bank has different cheque-books• Account Statements• Different penalty charges• And you keep track all of this…..

Page 142: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• Not much problem unless you are dead,o Afterwards, your family faces problems,o Claim each bank account,o Claim each fixed deposit,o A lengthy process…..

• Each bank has different cheque-books• Account Statements• Different penalty charges• And you keep track all of this…..

Page 143: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• Not much problem unless you are dead,o Afterwards, your family faces problems,o Claim each bank account,o Claim each fixed deposit,o A lengthy process…..

• Each bank has different cheque-books• Account Statements• Different penalty charges• And you keep track all of this…..

Page 144: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• Not much problem unless you are dead,o Afterwards, your family faces problems,o Claim each bank account,o Claim each fixed deposit,o A lengthy process…..

• Each bank has different cheque-books• Account Statements• Different penalty charges• And you keep track all of this…..

Page 145: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• Not much problem unless you are dead,o Afterwards, your family faces problems,o Claim each bank account,o Claim each fixed deposit,o A lengthy process…..

• Each bank has different cheque-books• Account Statements• Different penalty charges• And you keep track all of this…..

Page 146: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• Not much problem unless you are dead,o Afterwards, your family faces problems,o Claim each bank account,o Claim each fixed deposit,o A lengthy process…..

• Each bank has different cheque-books• Account Statements• Different penalty charges• And you keep track all of this…..

Page 147: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT TO DO ?

• One Joint accounto For family

• One Personal Accounto For salary transfers from company

AND

Page 148: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT TO DO ?

• One Joint accounto For family

• One Personal Accounto For salary transfers from company

AND

Page 149: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT TO DO ?

• One Joint accounto For family

• One Personal Accounto For salary transfers from company

AND

Page 150: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT TO DO ?

• One Joint accounto For family

• One Personal Accounto For salary transfers from company

AND

Page 151: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT TO DO ?

• One Joint accounto For family

• One Personal Accounto For salary transfers from company

AND

Page 152: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT TO DO ?

• One Joint accounto For family

• One Personal Accounto For salary transfers from company

AND

Page 153: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

THAT’s ALL !All your money can fit into this…..

Page 154: Financial planning : Do it Yourself

Financial Planning

OPTIMIZE ULIPs

Page 155: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT ARE ULIPs?

ULIPs are Unit Linked Plans.

Page 156: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT ARE ULIPs?

ULIPs are Unit Linked Plans.

Page 157: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT ARE ULIPs?

WHAT ?

Page 158: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT ARE ULIPs?

That’s It?

Page 159: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT ARE ULIPs?

• ULIPs are Unit Linked Plans.• They mix Life insurance, investments

and LINK with Stock Market.

• You get life insurance, tax advantage & superb returns….. HOW?

• Because the investments are done inSTOCK MARKETS

Page 160: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT ARE ULIPs?

• ULIPs are Unit Linked Plans.• They mix Life insurance, investments

and LINK with Stock Market.

• You get life insurance, tax advantage & superb returns….. HOW?

• Because the investments are done inSTOCK MARKETS

Page 161: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT ARE ULIPs?

• ULIPs are Unit Linked Plans.• They mix Life insurance, investments

and LINK with Stock Market.

• You get life insurance, tax advantage & superb returns….. HOW?

• Because the investments are done inSTOCK MARKETS

Page 162: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT ARE ULIPs?

• ULIPs are Unit Linked Plans.• They mix Life insurance, investments

and LINK with Stock Market.

• You get life insurance, tax advantage & superb returns….. HOW?

• Because the investments are done inSTOCK MARKETS

Page 163: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT ARE ULIPs?

• ULIPs are Unit Linked Plans.• They mix Life insurance, investments

and LINK with Stock Market.

• You get life insurance, tax advantage & superb returns….. HOW?

• Because the investments are done inSTOCK MARKETS

Page 164: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT ARE ULIPs?In short,

• Like me,• ULIPs are not suitable for common man.• ULIPs are for market and stock tycoons,• Who can manipulate market very well…..• LOST INTEREST IN ULIPs?• Good ! Move to next topic • SKIP these ULIPs

Page 165: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT ARE ULIPs?In short,

• Like me,• ULIPs are not suitable for common man.• ULIPs are for market and stock tycoons,• Who can manipulate market very well…..• LOST INTEREST IN ULIPs?• Good ! Move to next topic • SKIP these ULIPs

Page 166: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT ARE ULIPs?In short,

• Like me,• ULIPs are not suitable for common man.• ULIPs are for market and stock tycoons,• Who can manipulate market very well…..• LOST INTEREST IN ULIPs?• Good ! Move to next topic • SKIP these ULIPs

Page 167: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT ARE ULIPs?In short,

• Like me,• ULIPs are not suitable for common man.• ULIPs are for market and stock tycoons,• Who can manipulate market very well…..• LOST INTEREST IN ULIPs?• Good ! Move to next topic • SKIP these ULIPs

Page 168: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT ARE ULIPs?In short,

• Like me,• ULIPs are not suitable for common man.• ULIPs are for market and stock tycoons,• Who can manipulate market very well…..• LOST INTEREST IN ULIPs?• Good ! Move to next topic • SKIP these ULIPs

Page 169: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT ARE ULIPs?In short,

• Like me,• ULIPs are not suitable for common man.• ULIPs are for market and stock tycoons,• Who can manipulate market very well…..• LOST INTEREST IN ULIPs?• Good ! Move to next topic • SKIP these ULIPs

Page 170: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT ARE ULIPs?In short,

• Like me,• ULIPs are not suitable for common man.• ULIPs are for market and stock tycoons,• Who can manipulate market very well…..• LOST INTEREST IN ULIPs?• Good ! Move to next topic • SKIP these ULIPs

Page 171: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT ARE ULIPs?In short,

• ULIPs are not suitable for common man.• Like me,• ULIPs are for market and stock tycoons,• Who can manipulate market very well…..• LOST INTEREST IN ULIPs?• Good ! Move to next topic • SKIP these ULIPs

Still INTERESTED in ULIPs ?Then let’s continue…..

Page 172: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• ULIPs had some fine rules• Buyers should have checked• Sellers should have told customers• Customers should have asked all things

• No one performed well and,Customers got trapped

• Such customers could not afford ULIPs

Years 2004-2007

Page 173: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• ULIPs had some fine rules• Buyers should have checked• Sellers should have told customers• Customers should have asked all things

• No one performed well and,Customers got trapped

• Such customers could not afford ULIPs

Years 2004-2007

Page 174: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• ULIPs had some fine rules• Buyers should have checked• Sellers should have told customers• Customers should have asked all things

• No one performed well and,Customers got trapped

• Such customers could not afford ULIPs

Years 2004-2007

Page 175: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• ULIPs had some fine rules• Buyers should have checked• Sellers should have told customers• Customers should have asked all things

• No one performed well and,Customers got trapped

• Such customers could not afford ULIPs

Years 2004-2007

Page 176: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• ULIPs had some fine rules• Buyers should have checked• Sellers should have told customers• Customers should have asked all things

• No one performed well and,Customers got trapped

• Such customers could not afford ULIPs

Years 2004-2007

Page 177: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• ULIPs had some fine rules• Buyers should have checked• Sellers should have told customers• Customers should have asked all things

• No one performed well and,Customers got trapped

• Such customers could not afford ULIPs

Years 2004-2007

Page 178: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Years 2004-2007

Top Selling Points of ULIPs:

Selling Point – 1/3:• Short Term Product• Stop paying premium after 3 years• Huge Charges in initial years• People got shocked after many years

Page 179: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Years 2004-2007

Top Selling Points of ULIPs:

Selling Point – 1/3:• Short Term Product• Stop paying premium after 3 years• Huge Charges in initial years• People got shocked after many years

Page 180: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Years 2004-2007

Top Selling Points of ULIPs:

Selling Point – 1/3:• Short Term Product• Stop paying premium after 3 years• Huge Charges in initial years• People got shocked after many years

Page 181: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Years 2004-2007

Top Selling Points of ULIPs:

Selling Point – 1/3:• Short Term Product• Stop paying premium after 3 years• Huge Charges in initial years• People got shocked after many years

Page 182: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Years 2004-2007

Top Selling Points of ULIPs:

Selling Point -2/3:• Additional benefit of Life Insurance• It is FREE!• Mortality charges are reduced each

year

Page 183: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Years 2004-2007

Top Selling Points of ULIPs:

Selling Point -2/3:• Additional benefit of Life Insurance• It is FREE!• Mortality charges are reduced each

year

Page 184: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Years 2004-2007

Top Selling Points of ULIPs:

Selling Point -2/3:• Additional benefit of Life Insurance• It is FREE!• Mortality charges are reduced each

year

Page 185: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Years 2004-2007Top Selling Points of ULIPs:

Selling Point -3/3:• It will give EXCELLENT returns!• Easy to switch b/w equity & debt funds• Growth in money• Anyone can do it• The actual complexity cursed many

people.

Page 186: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Years 2004-2007Top Selling Points of ULIPs:

Selling Point -3/3:• It will give EXCELLENT returns!• Easy to switch b/w equity & debt funds• Growth in money• Anyone can do it• The actual complexity cursed many

people.

Page 187: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Years 2004-2007Top Selling Points of ULIPs:

Selling Point -3/3:• It will give EXCELLENT returns!• Easy to switch b/w equity & debt funds• Growth in money• Anyone can do it• The actual complexity cursed many

people.

Page 188: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Years 2004-2007Top Selling Points of ULIPs:

Selling Point -3/3:• It will give EXCELLENT returns!• Easy to switch b/w equity & debt funds• Growth in money• Anyone can do it• The actual complexity cursed many

people.

Page 189: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Years 2004-2007Top Selling Points of ULIPs:

Selling Point -3/3:• It will give EXCELLENT returns!• Easy to switch b/w equity & debt funds• Growth in money• Anyone can do it• The actual complexity cursed many

people.

Page 190: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• ULIPs are long term financial products• Investments are done in stocks• Not suitable for those who: Don’t know various features And, switching options in ULIPs And, when to switch

• It is widely said:• “Pay the premium and wait for years to perform”• Its not like this,• Various charges may bring down returns

Page 191: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• ULIPs are long term financial products• Investments are done in stocks• Not suitable for those who: Don’t know various features And, switching options in ULIPs And, when to switch

• It is widely said:• “Pay the premium and wait for years to perform”• Its not like this,• Various charges may bring down returns

Page 192: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• ULIPs are long term financial products• Investments are done in stocks• Not suitable for those who: Don’t know various features And, switching options in ULIPs And, when to switch

• It is widely said:• “Pay the premium and wait for years to perform”• Its not like this,• Various charges may bring down returns

Page 193: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• ULIPs are long term financial products• Investments are done in stocks• Not suitable for those who: Don’t know various features And, switching options in ULIPs And, when to switch

• It is widely said:• “Pay the premium and wait for years to perform”• Its not like this,• Various charges may bring down returns

Page 194: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• ULIPs are long term financial products• Investments are done in stocks• Not suitable for those who: Don’t know various features And, switching options in ULIPs And, when to switch

• It is widely said:• “Pay the premium and wait for years to perform”• Its not like this,• Various charges may bring down returns

Page 195: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• ULIPs are long term financial products• Investments are done in stocks• Not suitable for those who: Don’t know various features And, switching options in ULIPs And, when to switch

• It is widely said:• “Pay the premium and wait for years to perform”• Its not like this,• Various charges may bring down returns

Page 196: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• ULIPs are long term financial products• Investments are done in stocks• Not suitable for those who: Don’t know various features And, switching options in ULIPs And, when to switch

• It is widely said:• “Pay the premium and wait for years to perform”• Its not like this,• Various charges may bring down returns

Page 197: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• ULIPs are long term financial products• Investments are done in stocks• Not suitable for those who: Don’t know various features And, switching options in ULIPs And, when to switch

• It is widely said:• “Pay the premium and wait for years to perform”• Its not like this,• Various charges may bring down returns

Page 198: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• ULIPs are long term financial products• Investments are done in stocks• Not suitable for those who: Don’t know various features And, switching options in ULIPs And, when to switch

• It is widely said:• “Pay the premium and wait for years to perform”• Its not like this,• Various charges may bring down returns

Page 199: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• ULIPs are long term financial products• Investments are done in stocks• Not suitable for those who: Don’t know various features And, switching options in ULIPs And, when to switch

• It is widely said:• “Pay the premium and wait for years to perform”• Its not like this,• Various charges may bring down returns

Page 200: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

How to Cleanup ULIPs ?

• Best way you ask?• STOP THEM !• Most policies return 100%

after 5th year.• Completed 5 years?• Take current worth and,

make suitable use

Page 201: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

How to Cleanup ULIPs ?

• Best way you ask?• STOP THEM !• Most policies return 100%

after 5th year.• Completed 5 years?• Take current worth and,

make suitable use

Page 202: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

How to Cleanup ULIPs ?

• Best way you ask?• STOP THEM !• Most policies return 100%

after 5th year.• Completed 5 years?• Take current worth and,

make suitable use

Page 203: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

How to Cleanup ULIPs ?

• Best way you ask?• STOP THEM !• Most policies return 100%

after 5th year.• Completed 5 years?• Take current worth and,

make suitable use

Page 204: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

How to Cleanup ULIPs ?

• Best way you ask?• STOP THEM !• Most policies return 100%

after 5th year.• Completed 5 years?• Take current worth and,

make suitable use

Page 205: Financial planning : Do it Yourself

Financial Planning

OPTIMIZE CREDIT CARDS

Page 206: Financial planning : Do it Yourself

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Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

CHARMING ?

Page 207: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Let’s Deal with CHARMS first…..

• Many people have lots of credit cards• The higher the number, the higher is credit limit• Different credit cards, various benefits• Offers in terms of cash back• Bonus Points

•BEST CHARM IS:

DOUBLE EDGED SWORDS !!!

Page 208: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Let’s Deal with CHARMS first…..

• Many people have lots of credit cards• The higher the number, the higher is credit limit• Different credit cards, various benefits• Offers in terms of cash back• Bonus Points

•BEST CHARM IS:

DOUBLE EDGED SWORDS !!!

Page 209: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Let’s Deal with CHARMS first…..

• Many people have lots of credit cards• The higher the number, the higher is credit limit• Different credit cards, various benefits• Offers in terms of cash back• Bonus Points

•BEST CHARM IS:

DOUBLE EDGED SWORDS !!!

Page 210: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Let’s Deal with CHARMS first…..

• Many people have lots of credit cards• The higher the number, the higher is credit limit• Different credit cards, various benefits• Offers in terms of cash back• Bonus Points

•BEST CHARM IS:

DOUBLE EDGED SWORDS !!!

Page 211: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Let’s Deal with CHARMS first…..

• Many people have lots of credit cards• The higher the number, the higher is credit limit• Different credit cards, various benefits• Offers in terms of cash back• Bonus Points

•BEST CHARM IS:

DOUBLE EDGED SWORDS !!!

Page 212: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Let’s Deal with CHARMS first…..

• Many people have lots of credit cards• The higher the number, the higher is credit limit• Different credit cards, various benefits• Offers in terms of cash back• Bonus Points

•BEST CHARM IS:

DOUBLE EDGED SWORDS !!!

Page 213: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Let’s Deal with CHARMS first…..

• Many people have lots of credit cards• The higher the number, the higher is credit limit• Different credit cards, various benefits• Offers in terms of cash back• Bonus Points• Always, pay back later•BEST CHARM IS:

DOUBLE EDGED SWORDS !!!

Page 214: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Let’s Deal with CHARMS first…..

• Many people have lots of credit cards• The higher the number, the higher is credit limit• Different credit cards, various benefits• Offers in terms of cash back• Bonus Points• Always, pay back later•BEST CHARM :

DOUBLE EDGED SWORDS !!!

Page 215: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Let’s Deal with CHARMS first…..

• Many people have lots of credit cards• The higher the number, the higher is credit limit• Different credit cards, various benefits• Offers in terms of cash back• Bonus Points• Always, pay back later•BEST CHARM :

DOUBLE EDGED SWORDS !!!

Page 216: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Bad Habit!Credit Cards You Ask ?

Page 217: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Bad Habit!Credit Cards You Ask ?

Page 218: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• Spend on things you don’t really need• Can let you into debt trap• You overspend• Don’t pay on time• It takes lot of time to come out of debt• Credit cards can create HAVOC!

Page 219: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• Spend on things you don’t really need• Can let you into debt trap• You overspend• Don’t pay on time• It takes lot of time to come out of debt• Credit cards can create HAVOC!

Page 220: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• Spend on things you don’t really need• Can let you into debt trap• You overspend• Don’t pay on time• It takes lot of time to come out of debt• Credit cards can create HAVOC!

Page 221: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• Spend on things you don’t really need• Can let you into debt trap• You overspend• Don’t pay on time• It takes lot of time to come out of debt• Credit cards can create HAVOC!

Page 222: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• Spend on things you don’t really need• Can let you into debt trap• You overspend• Don’t pay on time• It takes lot of time to come out of debt• Credit cards can create HAVOC!

Page 223: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

• Spend on things you don’t really need• Can let you into debt trap• You overspend• Don’t pay on time• It takes lot of time to come out of debt• Credit cards can create HAVOC!

Page 224: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Myth of Minimum Payment

What most people understand it is:

• A favor from Credit Card company• Pay minimum balance per month• And, keep increase the debt on credit card

Page 225: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Myth of Minimum Payment

What most people understand it is:

• A favor from Credit Card company• Pay minimum balance per month• And, keep increase the debt on credit card

Page 226: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Myth of Minimum Payment

What most people understand it is:

• A favor from Credit Card company• Pay minimum balance per month• And, keep increase the debt on credit card

Page 227: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Myth of Minimum Payment

What most people understand it is:

• A favor from Credit Card company• Pay minimum balance per month• And, keep increase the debt on credit card

Page 228: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Myth of Minimum Payment

What most people understand it is:

• A favor from Credit Card company• Pay minimum balance per month• And, keep increase the debt on credit card

Page 229: Financial planning : Do it Yourself

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Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Minimum Payment in Credit Cards

• Amount to pay on credit card bill• It is to avoid penalty charges for

non-payment• But, interest is charged on dues

Page 230: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Minimum Payment in Credit Cards

• Amount to pay on credit card bill• It is to avoid penalty charges for

non-payment• But, interest is charged on dues

Page 231: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Minimum Payment in Credit Cards

• Amount to pay on credit card bill• It is to avoid penalty charges for

non-payment• But, interest is charged on dues

Page 232: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

Minimum Payment in Credit Cards

• Amount to pay on credit card bill• It is to avoid penalty charges for

non-payment• But, interest is charged on dues

Page 233: Financial planning : Do it Yourself

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Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

An Example ? Okay.

Page 234: Financial planning : Do it Yourself

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Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

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Financial Planning

Credit Card Bill: Rs. 20,000Minimum Payment: Rs. 1,000

We can do 3 things in this case…..

Page 235: Financial planning : Do it Yourself

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Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

1. Make the full payment of Rs. 20,000

2. Don’t pay anything• Penalty of Rs. 1,000 will be applied• Added to your dues• Interest will be charged on dues

3. Make min. payment of Rs. 1,000• No penalty will be charged• But, interest is charged on debt

Page 236: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

1. Make the full payment of Rs. 20,000

2. Don’t pay anything• Penalty of Rs. 1,000 will be applied• Added to your dues• Interest will be charged on dues

3. Make min. payment of Rs. 1,000• No penalty will be charged• But, interest is charged on debt

Page 237: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

1. Make the full payment of Rs. 20,000

2. Don’t pay anything• Penalty of Rs. 1,000 will be applied• Added to your dues• Interest will be charged on dues

3. Make min. payment of Rs. 1,000• No penalty will be charged• But, interest is charged on debt

Page 238: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

1. Make the full payment of Rs. 20,000

2. Don’t pay anything• Penalty of Rs. 1,000 will be applied• Added to your dues• Interest will be charged on dues

3. Make min. payment of Rs. 1,000• No penalty will be charged• But, interest is charged on debt

Page 239: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

1. Make the full payment of Rs. 20,000

2. Don’t pay anything• Penalty of Rs. 1,000 will be applied• Added to your dues• Interest will be charged on dues

3. Make min. payment of Rs. 1,000• No penalty will be charged• But, interest is charged on debt

Page 240: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

1. Make the full payment of Rs. 20,000

2. Don’t pay anything• Penalty of Rs. 1,000 will be applied• Added to your dues• Interest will be charged on dues

3. Make min. payment of Rs. 1,000• No penalty will be charged• But, interest is charged on debt

Page 241: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

1. Make the full payment of Rs. 20,000

2. Don’t pay anything• Penalty of Rs. 1,000 will be applied• Added to your dues• Interest will be charged on dues

3. Make min. payment of Rs. 1,000• No penalty will be charged• But, interest is charged on debt

Page 242: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

1. Make the full payment of Rs. 20,000

2. Don’t pay anything• Penalty of Rs. 1,000 will be applied• Added to your dues• Interest will be charged on dues

3. Make min. payment of Rs. 1,000• No penalty will be charged• But, interest is charged on debt

Page 243: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT TO DO ?

• Keep very few credit cards• Control the spending behavior• Understand credit limits

• 6 cards Rs. 20,000 each = Limit of Rs. 1,20,000Or say,

• 2 cards Rs. 60,000 each = Limit of Rs. 1,20,000• Choice is yours, Always.

Page 244: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT TO DO ?

• Keep very few credit cards• Control the spending behavior• Understand credit limits

• 6 cards Rs. 20,000 each = Limit of Rs. 1,20,000Or say,

• 2 cards Rs. 60,000 each = Limit of Rs. 1,20,000• Choice is yours, Always.

Page 245: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT TO DO ?

• Keep very few credit cards• Control the spending behavior• Understand credit limits

• 6 cards Rs. 20,000 each = Limit of Rs. 1,20,000Or say,

• 2 cards Rs. 60,000 each = Limit of Rs. 1,20,000• Choice is yours, Always.

Page 246: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT TO DO ?

• Keep very few credit cards• Control the spending behavior• Understand credit limits

• 6 cards Rs. 20,000 each = Limit of Rs. 1,20,000Or say,

• 2 cards Rs. 60,000 each = Limit of Rs. 1,20,000• Choice is yours, Always.

Page 247: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT TO DO ?

• Keep very few credit cards• Control the spending behavior• Understand credit limits

• 6 cards Rs. 20,000 each = Limit of Rs. 1,20,000Or say,

• 2 cards Rs. 60,000 each = Limit of Rs. 1,20,000• Choice is yours, Always.

Page 248: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT TO DO ?

• Keep very few credit cards• Control the spending behavior• Understand credit limits

• 6 cards Rs. 20,000 each = Limit of Rs. 1,20,000Or say,

• 2 cards Rs. 60,000 each = Limit of Rs. 1,20,000• Choice is yours, Always.

Page 249: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT TO DO ?

• Keep very few credit cards• Control the spending behavior• Understand credit limits

• 6 cards Rs. 20,000 each = Limit of Rs. 1,20,000Or say,

• 2 cards Rs. 60,000 each = Limit of Rs. 1,20,000• Choice is yours, Always.

Page 250: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT TO DO ?

• Keep very few credit cards• Control the spending behavior• Understand credit limits

• 6 cards Rs. 20,000 each = Limit of Rs. 1,20,000Or say,

• 2 cards Rs. 60,000 each = Limit of Rs. 1,20,000• Choice is yours, Always.

Page 251: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

WHAT TO DO ?

• Keep very few credit cards• Control the spending behavior• Understand credit limits

• 6 cards Rs. 20,000 each = Limit of Rs. 1,20,000Or say,

• 2 cards Rs. 60,000 each = Limit of Rs. 1,20,000• Choice is yours, Always.

Page 252: Financial planning : Do it Yourself

Financial Planning

Quick Fires ?

3

Page 253: Financial planning : Do it Yourself

Financial Planning

OPTIMIZE OTHER INVESTMENTS

Page 254: Financial planning : Do it Yourself

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Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

What can be in there?

• PPF, NSC, Post Office Products,• Real Estate, Infrastructure bonds…..

CHECK:Why did you buy it ? Does it serve well ?Reduce the no. accordingly…..Without compromising the returns

Page 255: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

What can be in there?

• PPF, NSC, Post Office Products,• Real Estate, Infrastructure bonds…..

CHECK:Why did you buy it ? Does it serve well ?Reduce the no. accordingly…..Without compromising the returns

Page 256: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

What can be in there?

• PPF, NSC, Post Office Products,• Real Estate, Infrastructure bonds…..

CHECK:Why did you buy it ? Does it serve well ?Reduce the no. accordingly…..Without compromising the returns

Page 257: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

What can be in there?

• PPF, NSC, Post Office Products,• Real Estate, Infrastructure bonds…..

CHECK:Why did you buy it ? Does it serve well ?Reduce the no. accordingly…..Without compromising the returns

Page 258: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

What can be in there?

• PPF, NSC, Post Office Products,• Real Estate, Infrastructure bonds…..

CHECK:Why did you buy it ? Does it serve well ?Reduce the no. accordingly…..Without compromising the returns

Page 259: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

What can be in there?

• PPF, NSC, Post Office Products,• Real Estate, Infrastructure bonds…..

CHECK:Why did you buy it ? Does it serve well ?Reduce the no. accordingly…..Without compromising the returns

Page 260: Financial planning : Do it Yourself

Optimize Stocks

Optimize Mutual Funds

Optimize Bank Accounts

Optimize ULIPs

Optimize Credit Cards

Optimize other investments

Financial Planning

What can be in there?

• PPF, NSC, Post Office Products,• Real Estate, Infrastructure bonds…..

CHECK:Why did you buy it ? Does it serve well ?Reduce the no. accordingly…..Without compromising the returns

Page 261: Financial planning : Do it Yourself

Financial Planning

A Money Backup for Your Health Problems

Health InsuranceChapter – 3 of 5

Page 262: Financial planning : Do it Yourself

Financial Planning

It provides medical money You don’t need to break other investments Your bank balance remains safe

Page 263: Financial planning : Do it Yourself

Financial Planning

Repayment Based Policies & Lump Sum Benefits

• Return the actual money• Upto a limit only• Like,

o Room chargeso Surgeono Oxygeno Bloodo Operation Theatre

• Return a certain amount only• Actual spent money doesn’t matter• Like,

o Per day amount of hospitalization

o Heart attacko Kidney failureo Bypass surgery, etc.

Page 264: Financial planning : Do it Yourself

Financial Planning

Repayment Based Policies & Lump Sum Benefits

• Return the actual money• Upto a limit only• Like,

o Room chargeso Surgeono Oxygeno Bloodo Operation Theatre

• Return a certain amount only• Actual spent money doesn’t matter• Like,

o Per day amount of hospitalization

o Heart attacko Kidney failureo Bypass surgery, etc.

Page 265: Financial planning : Do it Yourself

Financial Planning

Repayment Based Policies & Lump Sum Benefits

• Return the actual money• Upto a limit only• Like,

o Room chargeso Surgeono Oxygeno Bloodo Operation Theatre

• Return a certain amount only• Actual spent money doesn’t matter• Like,

o Per day amount of hospitalization

o Heart attacko Kidney failureo Bypass surgery, etc.

Page 266: Financial planning : Do it Yourself

Financial Planning

Repayment Based Policies & Lump Sum Benefits

• Return the actual money• Upto a limit only• Like,

o Room chargeso Surgeono Oxygeno Bloodo Operation Theatre

• Return a certain amount only• Actual spent money doesn’t matter• Like,

o Per day amount of hospitalization

o Heart attacko Kidney failureo Bypass surgery, etc.

Page 267: Financial planning : Do it Yourself

Financial Planning

Repayment Based Policies & Lump Sum Benefits

• Return the actual money• Upto a limit only• Like,

o Room chargeso Surgeono Oxygeno Bloodo Operation Theatre

• Return a certain amount only• Actual spent money doesn’t matter• Like,

o Per day amount of hospitalization

o Heart attacko Kidney failureo Bypass surgery, etc.

Page 268: Financial planning : Do it Yourself

Financial Planning

Repayment Based Policies & Lump Sum Benefits

• Return the actual money• Upto a limit only• Like,

o Room chargeso Surgeono Oxygeno Bloodo Operation Theatre

• Return a certain amount only• Actual spent money doesn’t matter• Like,

o Per day amount of hospitalization

o Heart attacko Kidney failureo Bypass surgery, etc.

Page 269: Financial planning : Do it Yourself

Financial Planning

Features Cover for Individual Family Floater

Who’s Covered ? Only the insured person Self + Spouse + Kids

Eligibility Criteria Age 18+ years Primary insured should be 18+ years age

Insurance Cost Greater than Family Floater

Comparatively low

Individual & Family Floaters

Page 270: Financial planning : Do it Yourself

Financial Planning

“My Employer provides me health insurance.”

Still, take a cover of your own.

Feel the difference later.

Page 271: Financial planning : Do it Yourself

Financial Planning

“My Employer provides me health insurance.”

Still, take a cover of your own.

Feel the difference later.

Page 272: Financial planning : Do it Yourself

Financial Planning

“My Employer provides me health insurance.”

Still, take a cover of your own.

Feel the difference later.

Page 273: Financial planning : Do it Yourself

Financial Planning

Wait! It’s an emergency…..

Emergency FundsChapter – 4 of 5

Page 274: Financial planning : Do it Yourself

Financial Planning

Wait! It’s an emergency…..

Emergency FundsChapter – 4 of 5

Page 275: Financial planning : Do it Yourself

Financial Planning

Wait! It’s an emergency…..

Emergency FundsChapter – 4 of 5

Page 276: Financial planning : Do it Yourself

Financial Planning

What Kinda Emergencies ?

Debt Crisis ? May be. Job Loss ? May be. Hair Loss? No. Someone close in emergency like, illness? Others…..

Page 277: Financial planning : Do it Yourself

Financial Planning

What Kinda Emergencies ?

Debt Crisis ? May be. Job Loss ? May be. Hair Loss? No. Someone close in emergency like, illness? Others…..

Page 278: Financial planning : Do it Yourself

Financial Planning

What Kinda Emergencies ?

Debt Crisis ? May be. Job Loss ? May be. Hair Loss? No. Someone close in emergency like, illness? Others…..

Page 279: Financial planning : Do it Yourself

Financial Planning

What Kinda Emergencies ?

Debt Crisis ? May be. Job Loss ? May be. Hair Loss? No. Someone close in emergency like, illness? Others…..

Page 280: Financial planning : Do it Yourself

Financial Planning

What Kinda Emergencies ?

Debt Crisis ? May be. Job Loss ? May be. Hair Loss? No. Someone close in emergency like, illness? Others…..

Page 281: Financial planning : Do it Yourself

Financial Planning

What Kinda Emergencies ?

Debt Crisis ? May be. Job Loss ? May be. Hair Loss? No. Someone close in emergency like, illness? Others…..

Page 282: Financial planning : Do it Yourself

Financial Planning

What Kinda Emergencies ?

Debt Crisis ? May be. Job Loss ? May be. Hair Loss? No. Someone close in emergency like, illness? Others…..

Page 283: Financial planning : Do it Yourself

Financial Planning

What Kinda Emergencies ?

Debt Crisis ? May be. Job Loss ? May be. Hair Loss? No. Someone close in emergency like, illness? Others…..

Page 284: Financial planning : Do it Yourself

Financial Planning

• It’s good to keep aside money for such emergencies.• Peace of mind you get.• Two questions can be asked to ourselves:

o How much to keep safe for such situations ?o How fast can we access it ?

Brush any suitable title here…..

Page 285: Financial planning : Do it Yourself

Financial Planning

• It’s good to keep aside money for such emergencies.• Peace of mind you get.• Two questions can be asked to ourselves:

o How much to keep safe for such situations ?o How fast can we access it ?

Brush any suitable title here…..

Page 286: Financial planning : Do it Yourself

Financial Planning

• It’s good to keep aside money for such emergencies.• Peace of mind you get.• Two questions can be asked to ourselves:

o How much to keep safe for such situations ?o How fast can we access it ?

Brush any suitable title here…..

Page 287: Financial planning : Do it Yourself

Financial Planning

• It’s good to keep aside money for such emergencies.• Peace of mind you get.• Two questions can be asked to ourselves:

o How much to keep safe for such situations ?o How fast can we access it ?

Brush any suitable title here…..

Page 288: Financial planning : Do it Yourself

Financial Planning

• It’s good to keep aside money for such emergencies.• Peace of mind you get.• Two questions can be asked to ourselves:

o How much to keep safe for such situations ?o How fast can we access it ?

Brush any suitable title here…..

Page 289: Financial planning : Do it Yourself

Financial Planning

Where to Invest ?

• Savings bank account• Liquid Funds• Fixed deposits• Credit Cards (Not recommended at all) Unless the situation is of DO or DIE

Page 290: Financial planning : Do it Yourself

Financial Planning

Where to Invest ?

• Savings bank account• Liquid Funds• Fixed deposits• Credit Cards (Not recommended at all) Unless the situation is of DO or DIE

Page 291: Financial planning : Do it Yourself

Financial Planning

Where to Invest ?

• Savings bank account• Liquid Funds• Fixed deposits• Credit Cards (Not recommended at all) Unless the situation is of DO or DIE

Page 292: Financial planning : Do it Yourself

Financial Planning

Where to Invest ?

• Savings bank account• Liquid Funds• Fixed deposits• Credit Cards (Not recommended at all) Unless the situation is of DO or DIE

Page 293: Financial planning : Do it Yourself

Financial Planning

Where to Invest ?

• Savings bank account• Liquid Funds• Fixed deposits• Credit Cards (Not recommended at all) Unless the situation is of DO or DIE

Page 294: Financial planning : Do it Yourself

Financial Planning

Quick Fires ?

2

Page 295: Financial planning : Do it Yourself

Financial Planning

It’s about fulfilling our Monetary Dreams

Goal PlanningChapter – 5 of 5

Page 296: Financial planning : Do it Yourself

Financial Planning

Two Types of Goals Are Here

Short Term Goals Long Term Goals• Range between 0-5 years• Includes Tasks Like, Buying a large LCD TV Higher Education Buying a car Attending a wedding in family

• Range beyond 5 years• Includes Tasks Like, Buying a new HomeWorld Tours Becoming entrepreneur Education of children

Page 297: Financial planning : Do it Yourself

Financial Planning

Two Types of Goals Are Here

Short Term Goals Long Term Goals• Range between 0-5 years• Includes Tasks Like, Buying a large LCD TV Higher Education Buying a car Attending a wedding in family

• Range beyond 5 years• Includes Tasks Like, Buying a new HomeWorld Tours Becoming entrepreneur Education of children

Page 298: Financial planning : Do it Yourself

Financial Planning

Two Types of Goals Are Here

Short Term Goals Long Term Goals• Range between 0-5 years• Includes Tasks Like, Buying a large LCD TV Higher Education Buying a car Attending a wedding in family

• Range beyond 5 years• Includes Tasks Like, Buying a new HomeWorld Tours Becoming entrepreneur Education of children

Page 299: Financial planning : Do it Yourself

Financial Planning

Two Types of Goals Are Here

Short Term Goals Long Term Goals• Range between 0-5 years• Includes Tasks Like, Buying a large LCD TV Higher Education Buying a car Attending a wedding in family

• Range beyond 5 years• Includes Tasks Like, Buying a new HomeWorld Tours Becoming entrepreneur Education of children

Page 300: Financial planning : Do it Yourself

Financial Planning

Two Types of Goals Are Here

Short Term Goals Long Term Goals• Range between 0-5 years• Includes Tasks Like, Buying a large LCD TV Higher Education Buying a car Attending a wedding in family

• Range beyond 5 years• Includes Tasks Like, Buying a new HomeWorld Tours Becoming entrepreneur Education of children

Page 301: Financial planning : Do it Yourself

Financial Planning

Two Types of Goals Are Here

Short Term Goals Long Term Goals• Range between 0-5 years• Includes Tasks Like, Buying a large LCD TV Higher Education Buying a car Attending a wedding in family

• Range beyond 5 years• Includes Tasks Like, Buying a new HomeWorld Tours Becoming entrepreneur Education of children

Page 302: Financial planning : Do it Yourself

Financial Planning

Two Types of Goals Are Here

Short Term Goals Long Term Goals• Range between 0-5 years• Includes Tasks Like, Buying a large LCD TV Higher Education Buying a car Attending a wedding in family

• Range beyond 5 years• Includes Tasks Like, Buying a new HomeWorld Tours Becoming entrepreneur Education of children

Page 303: Financial planning : Do it Yourself

Financial Planning

Two Types of Goals Are Here

Short Term Goals Long Term Goals• Range between 0-5 years• Includes Tasks Like, Buying a large LCD TV Higher Education Buying a car Attending a wedding in family

• Range beyond 5 years• Includes Tasks Like, Buying a new HomeWorld Tours Becoming entrepreneur Education of children

Page 304: Financial planning : Do it Yourself

Financial Planning

Steps Solve the Task

Calculate future value of the financial goals

Find, how much to investper month/year to achieve the future value

Where to invest ?

Page 305: Financial planning : Do it Yourself

Financial Planning

Steps Solve the Task

Calculate future value of the financial goals

1

Page 306: Financial planning : Do it Yourself

Financial Planning

Steps Solve the Task

Calculate future value of the financial goals

Find, how much to investper month/year to achieve the future value

1 2

Page 307: Financial planning : Do it Yourself

Financial Planning

Steps Solve the Task

Calculate future value of the financial goals

Find, how much to investper month/year to achieve the future value

Where to invest ?

1 32

Page 308: Financial planning : Do it Yourself

Financial Planning

Where to Invest ?Short Term Goal Long Term Goal

Risk

Tak

ers

Risk

Avo

ider

s

• Debt Funds• Corporate fixed deposits• Recurring deposits• Fixed deposits• Fixed maturity plans

• Equity mutual funds• Real estate• Index funds• Stocks• Balanced Funds

• Fixed deposits• Recurring deposits• Saving bank account

• Balanced Funds• Fixed deposits• Gold• Index funds• PPF

Page 309: Financial planning : Do it Yourself

Financial Planning

Where to Invest ?Short Term Goal Long Term Goal

Risk

Tak

ers

Risk

Avo

ider

s

• Debt Funds• Corporate fixed deposits• Recurring deposits• Fixed deposits• Fixed maturity plans

• Equity mutual funds• Real estate• Index funds• Stocks• Balanced Funds

• Fixed deposits• Recurring deposits• Saving bank account

• Balanced Funds• Fixed deposits• Gold• Index funds• PPF

Page 310: Financial planning : Do it Yourself

Financial Planning

Where to Invest ?Short Term Goal Long Term Goal

Risk

Tak

ers

Risk

Avo

ider

s

• Debt Funds• Corporate fixed deposits• Recurring deposits• Fixed deposits• Fixed maturity plans

• Equity mutual funds• Real estate• Index funds• Stocks• Balanced Funds

• Fixed deposits• Recurring deposits• Saving bank account

• Balanced Funds• Fixed deposits• Gold• Index funds• PPF

Page 311: Financial planning : Do it Yourself

Financial Planning

Where to Invest ?Short Term Goal Long Term Goal

Risk

Tak

ers

Risk

Avo

ider

s

• Debt Funds• Corporate fixed deposits• Recurring deposits• Fixed deposits• Fixed maturity plans

• Equity mutual funds• Real estate• Index funds• Stocks• Balanced Funds

• Fixed deposits• Recurring deposits• Saving bank account

• Balanced Funds• Fixed deposits• Gold• Index funds• PPF

Page 312: Financial planning : Do it Yourself

Financial Planning

Where to Invest ?Short Term Goal Long Term Goal

Risk

Tak

ers

Risk

Avo

ider

s

• Debt Funds• Corporate fixed deposits• Recurring deposits• Fixed deposits• Fixed maturity plans

• Equity mutual funds• Real estate• Index funds• Stocks• Balanced Funds

• Fixed deposits• Recurring deposits• Saving bank account

• Balanced Funds• Fixed deposits• Gold• Index funds• PPF

Page 313: Financial planning : Do it Yourself

Financial Planning

Where to Invest ?Short Term Goal Long Term Goal

Risk

Tak

ers

Risk

Avo

ider

s

• Debt Funds• Corporate fixed deposits• Recurring deposits• Fixed deposits• Fixed maturity plans

• Equity mutual funds• Real estate• Index funds• Stocks• Balanced Funds

• Fixed deposits• Recurring deposits• Saving bank account

• Balanced Funds• Fixed deposits• Gold• Index funds• PPF

Page 314: Financial planning : Do it Yourself

Financial Planning

Where to Invest ?Short Term Goal Long Term Goal

Risk

Tak

ers

Risk

Avo

ider

s

• Debt Funds• Corporate fixed deposits• Recurring deposits• Fixed deposits• Fixed maturity plans

• Equity mutual funds• Real estate• Index funds• Stocks• Balanced Funds

• Fixed deposits• Recurring deposits• Saving bank account

• Balanced Funds• Fixed deposits• Gold• Index funds• PPF

Page 315: Financial planning : Do it Yourself

Financial Planning

Where to Invest ?Short Term Goal Long Term Goal

Risk

Tak

ers

Risk

Avo

ider

s

• Debt Funds• Corporate fixed deposits• Recurring deposits• Fixed deposits• Fixed maturity plans

• Equity mutual funds• Real estate• Index funds• Stocks• Balanced Funds

• Fixed deposits• Recurring deposits• Saving bank account

• Balanced Funds• Fixed deposits• Gold• Index funds• PPF

Page 316: Financial planning : Do it Yourself

Financial Planning

Where to Invest ?Short Term Goal Long Term Goal

Risk

Tak

ers

Risk

Avo

ider

s

• Debt Funds• Corporate fixed deposits• Recurring deposits• Fixed deposits• Fixed maturity plans

• Equity mutual funds• Real estate• Index funds• Stocks• Balanced Funds

• Fixed deposits• Recurring deposits• Saving bank account

• Balanced Funds• Fixed deposits• Gold• Index funds• PPF

Page 317: Financial planning : Do it Yourself

Financial Planning

Where to Invest ?Short Term Goal Long Term Goal

Risk

Tak

ers

Risk

Avo

ider

s

• Debt Funds• Corporate fixed deposits• Recurring deposits• Fixed deposits• Fixed maturity plans

• Equity mutual funds• Real estate• Index funds• Stocks• Balanced Funds

• Fixed deposits• Recurring deposits• Saving bank account

• Balanced Funds• Fixed deposits• Gold• Index funds• PPF

Page 318: Financial planning : Do it Yourself

Financial Planning

Where to Invest ?Short Term Goal Long Term Goal

Risk

Tak

ers

Risk

Avo

ider

s

• Debt Funds• Corporate fixed deposits• Recurring deposits• Fixed deposits• Fixed maturity plans

• Equity mutual funds• Real estate• Index funds• Stocks• Balanced Funds

• Fixed deposits• Recurring deposits• Saving bank account

• Balanced Funds• Fixed deposits• Gold• Index funds• PPF

Page 319: Financial planning : Do it Yourself

Financial Planning

Where to Invest ?Short Term Goal Long Term Goal

Risk

Tak

ers

Risk

Avo

ider

s

• Debt Funds• Corporate fixed deposits• Recurring deposits• Fixed deposits• Fixed maturity plans

• Equity mutual funds• Real estate• Index funds• Stocks• Balanced Funds

• Fixed deposits• Recurring deposits• Saving bank account

• Balanced Funds• Fixed deposits• Gold• Index funds• PPF

Page 320: Financial planning : Do it Yourself

Financial Planning

Where to Invest ?Short Term Goal Long Term Goal

Risk

Tak

ers

Risk

Avo

ider

s

• Debt Funds• Corporate fixed deposits• Recurring deposits• Fixed deposits• Fixed maturity plans

• Equity mutual funds• Real estate• Index funds• Stocks• Balanced Funds

• Fixed deposits• Recurring deposits• Saving bank account

• Balanced Funds• Fixed deposits• Gold• Index funds• PPF

Page 321: Financial planning : Do it Yourself

Financial Planning

Where to Invest ?Short Term Goal Long Term Goal

Risk

Tak

ers

Risk

Avo

ider

s

• Debt Funds• Corporate fixed deposits• Recurring deposits• Fixed deposits• Fixed maturity plans

• Equity mutual funds• Real estate• Index funds• Stocks• Balanced Funds

• Fixed deposits• Recurring deposits• Saving bank account

• Balanced Funds• Fixed deposits• Gold• Index funds• PPF

Page 322: Financial planning : Do it Yourself

Financial Planning

Where to Invest ?Short Term Goal Long Term Goal

Risk

Tak

ers

Risk

Avo

ider

s

• Debt Funds• Corporate fixed deposits• Recurring deposits• Fixed deposits• Fixed maturity plans

• Equity mutual funds• Real estate• Index funds• Stocks• Balanced Funds

• Fixed deposits• Recurring deposits• Saving bank account

• Balanced Funds• Fixed deposits• Gold• Index funds• PPF

Page 323: Financial planning : Do it Yourself

Financial Planning

Where to Invest ?Short Term Goal Long Term Goal

Risk

Tak

ers

Risk

Avo

ider

s

• Debt Funds• Corporate fixed deposits• Recurring deposits• Fixed deposits• Fixed maturity plans

• Equity mutual funds• Real estate• Index funds• Stocks• Balanced Funds

• Fixed deposits• Recurring deposits• Saving bank account

• Balanced Funds• Fixed deposits• Gold• Index funds• PPF

Page 324: Financial planning : Do it Yourself

Financial Planning

Where to Invest ?Short Term Goal Long Term Goal

Risk

Tak

ers

Risk

Avo

ider

s

• Debt Funds• Corporate fixed deposits• Recurring deposits• Fixed deposits• Fixed maturity plans

• Equity mutual funds• Real estate• Index funds• Stocks• Balanced Funds

• Fixed deposits• Recurring deposits• Saving bank account

• Balanced Funds• Fixed deposits• Gold• Index funds• PPF

Page 325: Financial planning : Do it Yourself

Financial Planning

Where to Invest ?Short Term Goal Long Term Goal

Risk

Tak

ers

Risk

Avo

ider

s

• Debt Funds• Corporate fixed deposits• Recurring deposits• Fixed deposits• Fixed maturity plans

• Equity mutual funds• Real estate• Index funds• Stocks• Balanced Funds

• Fixed deposits• Recurring deposits• Saving bank account

• Balanced Funds• Fixed deposits• Gold• Index funds• PPF

Page 326: Financial planning : Do it Yourself

Financial Planning

Where to Invest ?Short Term Goal Long Term Goal

Risk

Tak

ers

Risk

Avo

ider

s

• Debt Funds• Corporate fixed deposits• Recurring deposits• Fixed deposits• Fixed maturity plans

• Equity mutual funds• Real estate• Index funds• Stocks• Balanced Funds

• Fixed deposits• Recurring deposits• Saving bank account

• Balanced Funds• Fixed deposits• Gold• Index funds• PPF

Page 327: Financial planning : Do it Yourself

Financial Planning

Where to Invest ?Short Term Goal Long Term Goal

Risk

Tak

ers

Risk

Avo

ider

s

• Debt Funds• Corporate fixed deposits• Recurring deposits• Fixed deposits• Fixed maturity plans

• Equity mutual funds• Real estate• Index funds• Stocks• Balanced Funds

• Fixed deposits• Recurring deposits• Saving bank account

• Balanced Funds• Fixed deposits• Gold• Index funds• PPF

Page 328: Financial planning : Do it Yourself

Financial Planning

Where to Invest ?Short Term Goal Long Term Goal

Risk

Tak

ers

Risk

Avo

ider

s

• Debt Funds• Corporate fixed deposits• Recurring deposits• Fixed deposits• Fixed maturity plans

• Equity mutual funds• Real estate• Index funds• Stocks• Balanced Funds

• Fixed deposits• Recurring deposits• Saving bank account

• Balanced Funds• Fixed deposits• Gold• Index funds• PPF

Page 329: Financial planning : Do it Yourself

Financial Planning

Quick Fires ?

Page 330: Financial planning : Do it Yourself

Financial Planning

CREDITS

“How To Be Your Own Financial Planner In 10 Steps”.

Written by: Mr. Manish Chauhan

Purchase Now !

Page 331: Financial planning : Do it Yourself

To Be Continued…..

Ready Bytes Software Labs Presentation

Page 332: Financial planning : Do it Yourself

Financial Planning

Out of the total 10 steps available in the book, we have covered 5 steps in this Phase 1 of the presentation.

As, it may get difficult for many people to cover whole of the content in this Phase 1

so, we will cover rest of the steps in Phase 2.

Thank you so much for being with us. Stay in touch for Phase 2.