logging in or signing up PDCA srmurugavel Download Post to : URL : Related Presentations : Share Add to Flag Embed Email Send to Blogs and Networks Add to Channel Uploaded from authorPOINT lite Insert YouTube videos in PowerPont slides with aS Desktop Copy embed code: (To copy code, click on the text box) Embed: URL: Thumbnail: WordPress Embed Customize Embed The presentation is successfully added In Your Favorites. Views: 757 Category: Education License: All Rights Reserved Like it (2) Dislike it (0) Added: August 01, 2010 This Presentation is Public Favorites: 2 Presentation Description No description available. Comments Posting comment... By: manujagwan28 (11 month(s) ago) nice presentation.... could u send me this presentation through email.... please Saving..... Post Reply Close Saving..... Edit Comment Close By: vgopal (12 month(s) ago) The presentation is very excellent . can you pls send me the presentation. A reply to this comment would be greatly appreicated. Saving..... Post Reply Close Saving..... Edit Comment Close By: abhijitbir (20 month(s) ago) hi this is abhijit,actuallly,the presentation is very excellent.can you plz send me the presentation... thanking you in anticipitation... Saving..... Post Reply Close Saving..... Edit Comment Close Premium member Presentation Transcript Slide 1: Financial Planning K.Gandhi Present www.kgandhi.anindia.com What is Financial Planning? : What is Financial Planning? A financial plan is an assessment of your current financial situation and steps to improve it in future. It is a forward looking document, taking into consideration your needs, goals and requirements based on certain assumptions. A systematic approach to plan your finances the need-based way. A continuous process driven to reflect the necessary changes at the micro and macro level. If you fail to plan, you plan to fail. www.kgandhi.anindia.com Slide 3: Financial Planning? A holistic approach. www.kgandhi.anindia.com What is Cash Flow Planning? : What is Cash Flow Planning? In simple terms, cash flow refers to the inflow and outflow of money. It is a record of your income and expenses. Though simple very few people actually keep a track. The base of any financial plan is a cash flow projection which if negative could prove to be dangerous. Cash flows mirror your financial future and outline the perils if systematic and disciplined investments are not taken place. You could easily find yourself in a debt trap if proper cash flow planning is not on your agenda. www.kgandhi.anindia.com Slide 5: Cash Flows For The Working Class income – expenses = savings www.kgandhi.anindia.com Risk Management : Risk Management Identifying the shortfalls in your situation and strategies to work on the same. Going beyond traditional products like life insurance and health plans. Your life style and life cycle stage taken into consideration before arriving at accurate figures of life insurance requirement, not going by generic thumb rules. www.kgandhi.anindia.com Investment Planning : Investment Planning A feasible strategy to suit your needs & requirements. Bifurcated in the asset allocation suitable to your age, time-horizon & risk-absorbing capacity. Periodic reviews to incorporate necessary changes if the situation so demands. Constant updates with your portfolio statements to make you feel secured & financially confident. www.kgandhi.anindia.com Tax Planning : Tax Planning Investments structured in a manner to achieve your long-term goals bifurcated as per asset allocation and risk profile. Investments with an objective of only to save taxes eliminated. Commencing the tax planning activity well in advance, thereby getting the opportunity to explore various options. With sound advice and time at disposal, tax planning is not an arduous task as it appears to be. www.kgandhi.anindia.com Retirement Planning : Retirement Planning An area often ignored and overlooked. Earmarking a certain % of your earnings towards building up your retirement corpus in your working years. Detailed calculations to enjoy a peaceful & stress-free retirement in your golden years. Taking into consideration inflation pre & post retirement and a defensive strategy adopted in the later years. www.kgandhi.anindia.com Slide 10: Cash Flows For The Retired Class Savings during working life need to be capitalized to build up a sound retirement corpus. possible only through prudent financial planning www.kgandhi.anindia.com Estate Planning : Estate Planning We strive hard our entire life to build an estate without much giving thought to whom we need to pass it on. Even reputed business families were not escaped. You are the one who will decide who will get the property when you will not be there. But is that enough. Having a will and not updating it after change in mind-set does not hold good. Update it at regular intervals where ever applicable. www.kgandhi.anindia.com Why do you need 360° Financial Planning? : Why do you need 360° Financial Planning? Complexity of Financial Products. Ever changing Govt Policies, Taxation Laws. Market Movements, Fluctuating Interest Rates. Increasing Life Expectancy, No Social Security. Overburden of Information but lack of need-based goal specific advice. Too many products to choose from. www.kgandhi.anindia.com Slide 13: Wealth Creation Comfortable Retired life Passing Wealth to the next generation Wedding of Children Children Education Dream House any many more……. COMMONGOALS www.kgandhi.anindia.com Plan Implementation : Plan Implementation The beauty of a plan lies in its implementation. Many a times even though we may believe in the process we delay our funding. If in a liquidity crunch, start building up an emergency reserve first and foremost. If it is due to financial inertia then it is important to wake up and take corrective steps at the right time for fulfillment of goals and not to repent later. Delay in investments not only make it difficult to achieve our goals but also result in an increased outflow to make up for the shortfall. A plan not implemented is just a simple plain document losing its essence in black and white. www.kgandhi.anindia.com Financial Planning Mantra : Financial Planning Mantra It is never too early to Plan and Execute. See the cost of postponement of investment for the Goal of your Child’s Education due after 15 years: Plan Today – Tomorrow may be too late 4,750 10,315 29,054 If You Start Today If You Start after 5 years If You Start after 10 years Monthly investment required to achieve the Goal 10,00,000 23,96,558 Goal Amount in Present Value Future Value of Goal www.kgandhi.anindia.com Slide 16: Cash Flow Analysis Risk Management Strategy Asset Allocation Tailor Made Investment Strategy Tax Planning Retirement Planning Action Plan Review of your Portfolio at periodic intervals Portfolio Rebalancing Need for Estate Planning peace of mind & sound sleep… A Financial Plan gives you… in addition to these numericals www.kgandhi.anindia.com Slide 17: … your road map to Financial Independence. K.Gandhi www.kgandhi.anindia.com Financial Planning Service : Financial Planning Service FINANCIAL PLAN PREPERATION IMPLEMENTAION PORTFOLIO CONSTRUCTION FINANCIAL PLAN PROGRESS REVIEW( HALF YEARLY) QUARTERLY PORTFOLIO REVIEW & REBALANCING CONSOLIDATE PORTFOLIO STATEMENT ONCE IN A MONTH ( 12 PAGE REPORT OF YOUR PORTFOLIO) ANNUAL TRANSATION STATEMENT REGULAR AFTER SALES SUPPORT www.kgandhi.anindia.com Watch our knowledge based article on www.scribd.com search by kirang gandhi : Watch our knowledge based article on www.scribd.com search by kirang gandhi Article related to RBI POLICY,europeon crises , CIBIL,Fiscal deficit, Financial planning,risk management, budget policy,economy policy,stock market,mutual funds ,Fixed deposits, insurance and investment planning,life style plaaning,Debt and Debenture Market,SEBI VS IRDA etc… www.kgandhi.anindia.com Expert Advice on : Expert Advice on Equity,Commodity,Financial Planning,Tax Planning,Risk &Asset Management, Portfolio Management service,Insurance,Investment,Mutual Funds, Fixed Deposits etc… etc… www.kgandhi.anindia.com Slide 21: Let’s begin today. fill up your Fact Find Form… and get a Financial Planning Snapshot of your life www.kgandhi.anindia.com You do not have the permission to view this presentation. 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PDCA srmurugavel Download Post to : URL : Related Presentations : Share Add to Flag Embed Email Send to Blogs and Networks Add to Channel Uploaded from authorPOINT lite Insert YouTube videos in PowerPont slides with aS Desktop Copy embed code: (To copy code, click on the text box) Embed: URL: Thumbnail: WordPress Embed Customize Embed The presentation is successfully added In Your Favorites. Views: 757 Category: Education License: All Rights Reserved Like it (2) Dislike it (0) Added: August 01, 2010 This Presentation is Public Favorites: 2 Presentation Description No description available. Comments Posting comment... By: manujagwan28 (11 month(s) ago) nice presentation.... could u send me this presentation through email.... please Saving..... Post Reply Close Saving..... Edit Comment Close By: vgopal (12 month(s) ago) The presentation is very excellent . can you pls send me the presentation. A reply to this comment would be greatly appreicated. Saving..... Post Reply Close Saving..... Edit Comment Close By: abhijitbir (20 month(s) ago) hi this is abhijit,actuallly,the presentation is very excellent.can you plz send me the presentation... thanking you in anticipitation... Saving..... Post Reply Close Saving..... Edit Comment Close Premium member Presentation Transcript Slide 1: Financial Planning K.Gandhi Present www.kgandhi.anindia.com What is Financial Planning? : What is Financial Planning? A financial plan is an assessment of your current financial situation and steps to improve it in future. It is a forward looking document, taking into consideration your needs, goals and requirements based on certain assumptions. A systematic approach to plan your finances the need-based way. A continuous process driven to reflect the necessary changes at the micro and macro level. If you fail to plan, you plan to fail. www.kgandhi.anindia.com Slide 3: Financial Planning? A holistic approach. www.kgandhi.anindia.com What is Cash Flow Planning? : What is Cash Flow Planning? In simple terms, cash flow refers to the inflow and outflow of money. It is a record of your income and expenses. Though simple very few people actually keep a track. The base of any financial plan is a cash flow projection which if negative could prove to be dangerous. Cash flows mirror your financial future and outline the perils if systematic and disciplined investments are not taken place. You could easily find yourself in a debt trap if proper cash flow planning is not on your agenda. www.kgandhi.anindia.com Slide 5: Cash Flows For The Working Class income – expenses = savings www.kgandhi.anindia.com Risk Management : Risk Management Identifying the shortfalls in your situation and strategies to work on the same. Going beyond traditional products like life insurance and health plans. Your life style and life cycle stage taken into consideration before arriving at accurate figures of life insurance requirement, not going by generic thumb rules. www.kgandhi.anindia.com Investment Planning : Investment Planning A feasible strategy to suit your needs & requirements. Bifurcated in the asset allocation suitable to your age, time-horizon & risk-absorbing capacity. Periodic reviews to incorporate necessary changes if the situation so demands. Constant updates with your portfolio statements to make you feel secured & financially confident. www.kgandhi.anindia.com Tax Planning : Tax Planning Investments structured in a manner to achieve your long-term goals bifurcated as per asset allocation and risk profile. Investments with an objective of only to save taxes eliminated. Commencing the tax planning activity well in advance, thereby getting the opportunity to explore various options. With sound advice and time at disposal, tax planning is not an arduous task as it appears to be. www.kgandhi.anindia.com Retirement Planning : Retirement Planning An area often ignored and overlooked. Earmarking a certain % of your earnings towards building up your retirement corpus in your working years. Detailed calculations to enjoy a peaceful & stress-free retirement in your golden years. Taking into consideration inflation pre & post retirement and a defensive strategy adopted in the later years. www.kgandhi.anindia.com Slide 10: Cash Flows For The Retired Class Savings during working life need to be capitalized to build up a sound retirement corpus. possible only through prudent financial planning www.kgandhi.anindia.com Estate Planning : Estate Planning We strive hard our entire life to build an estate without much giving thought to whom we need to pass it on. Even reputed business families were not escaped. You are the one who will decide who will get the property when you will not be there. But is that enough. Having a will and not updating it after change in mind-set does not hold good. Update it at regular intervals where ever applicable. www.kgandhi.anindia.com Why do you need 360° Financial Planning? : Why do you need 360° Financial Planning? Complexity of Financial Products. Ever changing Govt Policies, Taxation Laws. Market Movements, Fluctuating Interest Rates. Increasing Life Expectancy, No Social Security. Overburden of Information but lack of need-based goal specific advice. Too many products to choose from. www.kgandhi.anindia.com Slide 13: Wealth Creation Comfortable Retired life Passing Wealth to the next generation Wedding of Children Children Education Dream House any many more……. COMMONGOALS www.kgandhi.anindia.com Plan Implementation : Plan Implementation The beauty of a plan lies in its implementation. Many a times even though we may believe in the process we delay our funding. If in a liquidity crunch, start building up an emergency reserve first and foremost. If it is due to financial inertia then it is important to wake up and take corrective steps at the right time for fulfillment of goals and not to repent later. Delay in investments not only make it difficult to achieve our goals but also result in an increased outflow to make up for the shortfall. A plan not implemented is just a simple plain document losing its essence in black and white. www.kgandhi.anindia.com Financial Planning Mantra : Financial Planning Mantra It is never too early to Plan and Execute. See the cost of postponement of investment for the Goal of your Child’s Education due after 15 years: Plan Today – Tomorrow may be too late 4,750 10,315 29,054 If You Start Today If You Start after 5 years If You Start after 10 years Monthly investment required to achieve the Goal 10,00,000 23,96,558 Goal Amount in Present Value Future Value of Goal www.kgandhi.anindia.com Slide 16: Cash Flow Analysis Risk Management Strategy Asset Allocation Tailor Made Investment Strategy Tax Planning Retirement Planning Action Plan Review of your Portfolio at periodic intervals Portfolio Rebalancing Need for Estate Planning peace of mind & sound sleep… A Financial Plan gives you… in addition to these numericals www.kgandhi.anindia.com Slide 17: … your road map to Financial Independence. K.Gandhi www.kgandhi.anindia.com Financial Planning Service : Financial Planning Service FINANCIAL PLAN PREPERATION IMPLEMENTAION PORTFOLIO CONSTRUCTION FINANCIAL PLAN PROGRESS REVIEW( HALF YEARLY) QUARTERLY PORTFOLIO REVIEW & REBALANCING CONSOLIDATE PORTFOLIO STATEMENT ONCE IN A MONTH ( 12 PAGE REPORT OF YOUR PORTFOLIO) ANNUAL TRANSATION STATEMENT REGULAR AFTER SALES SUPPORT www.kgandhi.anindia.com Watch our knowledge based article on www.scribd.com search by kirang gandhi : Watch our knowledge based article on www.scribd.com search by kirang gandhi Article related to RBI POLICY,europeon crises , CIBIL,Fiscal deficit, Financial planning,risk management, budget policy,economy policy,stock market,mutual funds ,Fixed deposits, insurance and investment planning,life style plaaning,Debt and Debenture Market,SEBI VS IRDA etc… www.kgandhi.anindia.com Expert Advice on : Expert Advice on Equity,Commodity,Financial Planning,Tax Planning,Risk &Asset Management, Portfolio Management service,Insurance,Investment,Mutual Funds, Fixed Deposits etc… etc… www.kgandhi.anindia.com Slide 21: Let’s begin today. fill up your Fact Find Form… and get a Financial Planning Snapshot of your life www.kgandhi.anindia.com