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Workshop on

Wealth
Management
Financial Planning –
Insurance, Inflation,
Investment

organized by
Accuret Investments
Advisory Co. Pvt.Ltd.
On
18-05-09 To 20-05-09

Miss. Sima D. Mhala


Financial planning is all
about…………..
Nothing but an assessment of your goals and the steps you must take
to help make them a reality.

It includes Strategies of…


 Long term Investment
 Retirement Solutions
 Power of Compounding
 Art of Managing Money
 Managing expenses & savings with inflation

ManagementParadise.com
Importance of Investment Coverage, Insurance ,Financial
Planning

Child’s Education

Child’s Marriage

Housing

Retirement

Safety

Most likely reasons to invest…..


Value of Money over time
Impact of Inflation on monthly expenses of Rs 20,000

60,000
53,066

50,000
Monthly Exps in Rs

41,579
40,000
32,578
30,000 25,526
20,000
20,000

10,000

-
Today 5 years 10 years 15 years 20 years
Period

Inflation – A Devil, we need to beat it! Value of Rs 1 lac over time

120,000
100,000
100,000
Value of Money

78,353
80,000
61,391

Hypothetical 60,000 48,102


37,689
40,000

e.g. Inflation @ 5% p.a 20,000

-
Today 5 years 10 years 15 years 20 years
Period
Invest Long term…
Money grows over a period of time…

Rs 1000 invested at 8%p.a every month for…


P o w e r o f C o m p o u n d in g

5 9 2 ,9 4 7
6 0 0 ,0 0 0
5 0 0 ,0 0 0
3 4 8 ,3 4 5
compounding
Amount after

4 0 0 ,0 0 0
3 0 0 ,0 0 0 2 4 0 ,0 0 0
1 8 4 ,1 6 6 1 8 0 ,0 0 0
2 0 0 ,0 0 0 6 0 ,0 0 0 7 3 ,9 6 7 1 2 0 ,0 0 0
1 0 0 ,0 0 0
-
5 yrs 1 0 yrs 1 5 yrs 2 0 yrs
P e rio d

P rin cip a l Am o u n t

This is an hypothetical illustration to explain


the concept of “Power of Compounding”.
Plan for A Worry Free
Retirement
Computing that amount that would Understand carefully your benefit
be required post-retirement ensuring level, financial stability of plan
adequate post-retirement income and the vesting period in your
Retirement planning means making pension plan
sure you will have enough money to Use retirement plans
live on after retiring from work With retirement plans your money
Use of pension plan as well as grows in a
diversified portfolio  Tax efficient manner
E.g. Pension Plan  Compounding interest over time
makes it one of the best
investment options
An illustration
Age Sum Assured Tenure Annual Maturity
(Yrs) (Rs) (Yrs) premium amount
(Rs) (Rs)
30 500,000 20 21,991 1,074,000
Insurance v/s Mutual Funds
The Choice Is Straightforward!

Insurance Mutual Funds


Complex Structures Tax Benefit
High associated costs Liquidity
Death benefit Diversification
Choice of funds in ULIPS Low transaction Cost
Tax Benefit Professional management
No premium allocation costs (in term
insurance)
Summary
The key to a financially independent future is "sooner the better".

Cautious investors not only save, they save early and regularly. . The catch is to make
the power of compounding work one's benefit.

For long term investments, it is best that one avail a diversified portfolio