Financial Planning

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Financial Planning:

Financial Planning ( Vittiy Y ojana ) BY ANANTA RAO DUPPALA

Introduction (Parichay):

Introduction ( Parichay ) Contents (Vishay) FP Process ( Prakirya ) FP Concepts ( Avadhaaranaon ) FP Misconceptions ( Galat Fehami ) Planning ( Yojana ) Financial Planning (FP) ( Vittiy Yojana ) FP Pyramid ( Vittiy Yojana Pyramid) Digital Payment Modes (Digital Bhugatan Modes)

Planning (Yojana):

Planning ( Yojana ) Introduction ( Parichay )

Slide 4:

Planning means looking ahead and chalking out future courses of action to be followed. ( Yojana : Kisi bhavi kaarye ko Nishpann karne ka prastavit kaaryakram ko Yojana kehate hai ) Examples: - Preparation for competitive exams ( Pratiyogi Parikshaon ki Tayari ) - Planning a vacation ( Chutti ki Yojana Banana) Introduction ( Parichay ) Planning ( Yojana )

Slide 5:

Financial Planning is the process of meeting your life goals through the proper management of your finances. ( Vittiy Yojana : Apane jeevan ke sapno ko poora karne ke liye uchit prabhandhan ke madhyam se banaye jane wali ek prakriya ) Examples of goals ( Lakshay ke Udaaharan ) : - Buying a house ( Ghar Khareedana ) - Higher Education ( Uchh Shiksha ) Introduction ( Parichay ) Financial Planning ( Vittiy Yojana )

Slide 6:

Introduction ( Parichay ) Financial Planning Pyramid Start ( Vittiy Yojana Pyramid)

Slide 7:

Data Collection (Data Sangrah ) Goal setting ( Lakshy Sthapana ) Current Analysis ( Vartaman Vishleshan ) Draft Plan ( Musayada Yojana ) Final Plan ( Vittiy Yojana ) Product Suggestions ( Utpann Sujhav ) Execution ( Kaaryanvayan ) Follow ups ( Paalan ) Monitoring ( Nigharani ) Follow ups ( Paalan ) Query Solving ( Prashn Hal Karna ) Financial Planning Process ( Vittiy Niyojan Prakriya )

Slide 8:

Cash Flow Analysis (Current status) ( Nakadi Pravaah Vishleshan ) Current Asset Allocation & Net worth (Current Status) ( Vartamaan Parisampatti Aavantan evm Kul Mooly ) Risk Profiling ( Jokhim Profiling) Emergency Fund Analysis ( Apatkaaleen Dravy Vishleshan ) Investment Planning for Goals ( Lakshy Keliye Nivesh Yojana ) Estate Planning ( Jaaydaad kee Yojana ) Tax Planning ( Kar Yojana ) Financial Planning Concepts ( Vittiy Yojana Avadhaaranaon )

Slide 9:

Cash Flow Analysis ( Nakadi Pravaah Vishleshan ) Financial Planning Concepts ( Vittiy Yojana Avadhaaranaon )

Slide 10:

Networth & Current Asset Allocation ( Vartamaan Parisampatti Aavantan evm Kul Mooly ) Financial Planning Concepts ( Vittiy Yojana Avadhaaranaon )

Slide 11:

Current Asset Allocation Analysis ( Vartamaan Sampatti Aavantan Vishleshan ) Financial Planning Concepts ( Vittiy Yojana Avadhaaranaon )

Slide 12:

Risk Profiling ( Jokhim Profiling) Financial Planning Concepts ( Vittiy Yojana Avadhaaranaon )

Slide 13:

Emergency Fund Analysis ( Apatkaaleen Dravy Vishleshan ) Financial Planning Concepts ( Vittiy Yojana Avadhaaranaon )

Slide 14:

Maintain a Fund with 3 to 6 times of your monthly expenses in cash or near cash investments. Apane maasik vyay ke 3 se 6 guna nakadee ya nikat nakadee nivesh ke saath ek phand banae rakhen . Financial Planning Concepts ( Vittiy Yojana Avadhaaranaon ) Emergency Fund Analysis ( Apatkaaleen Dravy Vishleshan )

Slide 15:

Suggested Products : Cash short term Fixed Deposits Sweep-in accounts Savings A/c Short term Debt MF Financial Planning Concepts ( Vittiy Yojana Avadhaaranaon ) Emergency Fund Analysis ( Apatkaaleen Dravy Vishleshan ) Sujhaye Gae Utpaad Nakad Alpakaalik Saavadhi Jama Sweep Khaate Bachat Khaate Alpaavadhi Rn Mutual Fund

Slide 16:

Financial Planning Concepts Investment Planning (IP) Process ( Nivesh Yojana Prakriya )

Slide 17:

Financial Planning Concepts IP - Risk Vs Return Trade off – Products ( Jokhim Vs Vaapasee Vyaapaar Bandh – Utpaad )

Slide 18:

IP - Risk Vs Return Trade off – Products ( Jokhim Vs Vaapasee Vyaapaar Bandh – Utpaad ) Financial Planning Concepts ( Vittiy Yojana Avadhaaranaon )

Slide 19:

Invest as long as possible (Power of compounding) ( Yathaasambhav nivesh karen ) Invest at highest interest rate possible (Best opportunity) ( Sambhaavy uchchatam byaaj dar par nivesh karen ) Invest as much as possible & as often as possible ( Yathaasambhav Nivesh Karen) Investment Planning (Time Value of Money) ( Nivesh Yojana - Dhan Kee Saamayik Mooly ) Financial Planning Concepts ( Vittiy Yojana Avadhaaranaon )

Slide 20:

IP – Diversification & Asset Allocation ( Vividheekaran Aur Parisampatti Aavantan ) Financial Planning Concepts ( Vittiy Yojana Avadhaaranaon )

Slide 21:

Estate planning involves making plans for the transfer of your estate after death. Your estate is all the property that you own. It can include cash, jewelry, cars, houses, land, retirement, investment and savings accounts, etc. (Kisi ki Mrutyu ke baad apni sampatti ko hastantaran karne ke liye banaye jaane wali ek yojana / dastavej hai jis main nakad , gahan , ghar , car, jameen ityadi shamil ho sakte hai ) Nominations ( Naamankan ) Wills ( Ichha Patr ) Trust ( Imaan ) Estate Planning ( Jaaydaad kee Yojana ) Financial Planning Concepts ( Vittiy Yojana Avadhaaranaon )

Slide 22:

Nothing is certain but death and taxes ( Duniya main Koi chese nishchit nahi hai magar kar evm mrityu nishchit hai ) Tax Saving Products ( Kar Bachat Utpaad ) : Sec 80C : ELSS, Life Insurance, NSC,PPF,EPF,5 year FD, Home loan Principal repayment, SrCSS,NPS Sec 80 D : Mediclaim Sec 24 (b): Home loan Interest Tax Planning ( Kar Yojana ) Financial Planning Concepts ( Vittiy Yojana Avadhaaranaon )

Slide 23:

Financial Planning ( Vittiy Yojana ) Common Misconceptions ( Galat Phahami ) - Financial Planning is for the Rich (Vittiy Yojana Sirf Ameer Logon Ke Lie Hai) - Insurance Planning is Financial Planning (Beema Yojana Hi Vittiy Yojana Hai) - Tax Planning is Financial Planning (Kar Yojana Hi Vitteey Yojana Hai) - I am young to think about Financial Planning ( Vittiy Yojana Ke Baare Mein Sochane Ke Lie Meri Umre Kam Hai ) - Confuse Financial Planning with investing ( Nivesh Ke Saath Vitteey Yojana Ko Bhramit Karana)

Digital Payment Modes (Dijital Bhugataan Mod):

Digital Payment Modes ( Dijital Bhugataan Mod) AEPS ( Aadhaar Saksham Bhugataan Pranaalee ) USSD ( Asamrachanaatmak Anupoorak Seva Deta ) UPI ( Ekikrit Bhugtaan Antaraphalak ) Debit Card ( Vikalan Kard ) Net Banking ( Antarjaal banking) 03/23/2017 www.onlinefinancialplanner.in

AEPS (Aadhaar Saksham Bhugataan Pranaalee):

AEPS ( Aadhaar Saksham Bhugataan Pranaalee ) What it is ( Kya hai )……? - Aadhar enabled payment system. ( Aadhaar saksham bhugataan pranaalee ) - Launched by National payment Cooperation of India. ( Raashtreey Bhugataan Sahayog Dvaara Shuroo Kiya Gaya)            - Part of Digital India Initiative. ( Dijital indiya ka ek pahalu ) - Used for Cashless transaction. ( Nakad Rahit Lenaden Ke Lie Prayog Kiya Jaa Raha Hai )

AEPS (Aadhaar Saksham Bhugataan Pranaalee):

How to use it ( Istemaal Kaise kare )…? - Aadhar card Number ( Aadhar number chahiye ) - Finger print ( Anguli Chaap ) - Authentication from Bank ( Pramaanikaran ) - Message on Mobile (Mobile par message) Pre Requisites/ Conditions ( Parantu …..?) - Aadhar Card ( Sahi Aadhar card number hona jaruri hai ) - Bank Acct linked with Aadhar card. (Bank se Aadhar number link hona jaruri hai ) AEPS ( Aadhaar Saksham Bhugataan Pranaalee )

USSD (Asamrachanaatmak Anupoorak Seva Deta):

USSD ( Asamrachanaatmak Anupoorak Seva Deta ) Also known as *99# method. (*99# vidhi ) Uses Registered mobile. ( panjeekrt mobail ka prayog kiya jayega ) No internet or smart phone reqd. (Internet ya smart phone ki avashyakata nahi hai ) Zero extra charges or interest. (Kisi Prakar ki shulk nahi hai ) Pre Requisites/ Conditions. ( Poorvaapekshaen ) - Registered Mobile. ( Panjeekrt mobile number) - Bank Name/ IFSC Code. (Bank naam / ifsc code) - MMID. - M Pin.

UPI (Ekikrit Bhugtaan Antaraphalak):

UPI ( Ekikrit Bhugtaan Antaraphalak ) Download the UPI App. (UPI App download kare ) Register your Mob no. (Mob No. Panjeekrit kare ) Create Virtual Address. ( Aabhasi pata banaye ) UPI Registration. (App Panjeekrit kare ) Set password. ( Paaran Shabdh banaye ) Set UPI Pin/ M Pin. (Pin number banaye ) 03/23/2017 www.onlinefinancialplanner.in

Debit Card / Net Banking (Vikalan Card evm Jaal Banking):

Debit Card / Net Banking ( Vikalan Card evm Jaal Banking) Online Payment. (Online Bhughtaan ) Online Shopping. (Online Kharidaari ) Money Transfer. ( Nakad Hastantaran ) Card Sweep. ( Kard Sweep) Mobile and DTH Recharge. (Recharge karna ) Payment of Electric bills. ( Prapyak bhughtaan ) 03/23/2017 www.onlinefinancialplanner.in

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