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Managing Financials
Why Invest
How to Invest
Where to Invest
Goal Achievement
Financial Freedom
Wealth CreationFinancial Planning
with LICFailure Analysis
Why InvestProduct 1985 2012 Growth % 2030
Tooth Paste 5 60 8 280
Milk 5 40 7.5 150
Masala Dosa 5 80 12 600
House Hold Expanses 1000 25000 15 3 Lacs
Professional Qualification 10000 7 Lacs 18 1 Cr
Increasing Life Style Scooter Car ? SUV
Costly AccommodationJoint
Family Own 1BHK ? 3 BHK
Medical Expanses ? ? ? ?
Mr. X a Common ManAge-35, Child Age-3, Monthly Income-30K
Child’s Higher Education
At age 21 after 18 year Rs. 6 Lacs
Rs. 24 Lacs
Child’s MarriageAt age 25 after 22 year Rs. 15
Lacs
Rs. 81 LacsRetirement / Pension
At age 60 after 25 year Rs. 20K
Rs. 1.3 Lacs
Total Corpus required between 50 to 70
Rs2.5 Cr
2.5 Cr in 25 Yearsbetween 50 to 70 Years of Age
@ 0%
Rs. 84000/-
@ 8%
Rs. 27000/-
@ 15%
Rs. 9000/-
Return on Investments vs Return of Investments
Basic Financial Planning3 Major Parts of Financial Planning
Risk Management
Emergency & Short Needs
Future Goals & Dreams
Life InsurancePermanent Loss IncomeChild/Retirement Future
Short Term NeedsMedical Emergencies
Temporary Loss Income12X of Monthly Income
Life Time TargetsFuture Income
Dream Life
Need Base AllocationA Common Man Life Cycle
Low AgeLow Risk
Low Liabilities
Mid AgeMid Term TargetsAge-40-55 Years
High AgeClose Targets
No Room for Risk
YOUNG AGE MEDIUM AGE OLD AGE
Risk Mgm-20%Contigency-20%
Future-60%
Risk Mgs-30%Contigency-30%
Future-40%
Risk Mgs-10%Contigency-70%
Future-20%
Some Common Thumb Rules
Investment 20% of Monthly Income
Risk Management 12X of Annual Income
Contingency Funding 12X Monthly Income
Growth Allocation 100-Your Age
Person to Person Need base Calculation at different stages
Common & Ideal AllocationRisk
Management & Family Protection
Emergency & Short Needs
Future Goals & Dreams Life
Permanent Loss Income
12X of Yearly IncomeFamily Protection
Child Future Security
Temporary Loss of Income
12X of Monthly Income Emergency Condition
Short Term NeedsMedical Emergencies
Life Time Targets100- Your Age
Child Education/MarriageRetirement Solutions
Future IncomeDream Life
33% 33% 33%
High InsuranceHealth Insurance Child /Retirement
Plans
Gold, Bonds, RD/FD /CDMediclaim
Property /Shares
Kitty/ Pvt. Interest
Mutual Fund SIP
Generally What Happens
1st Job with 40K SalaryMobile/ Vehicle/ Luxury
EPF/PPFLife Insurance &
ULIP/MF SIPFlat on Monthly Installments
Marriage HoneymoonDelivery & School Admission
Financial Medical Problem
Products & SuitabilityFoot Walk/Motor Cycle, Luxury Car, Train/Aero Plane
Next or Back Side Nabors
Mumbai or BangkokLuxury Car
Vegetable, Whets & Fruits
3-6 Months
6-12 Months
Mango & Apple Tree10 Years
Why Contingency Funding
Product If I Need Money after 3
YearsPPF/EPF No
Banking/Postal
4 Lacs
Gold/Bond Funds
4 Lacs
Life Insurance No
Real Estate/Mutual Funds
2 Lacs or 5 Lacs
Why Risk Management
Product If my Family needs Money
PPF/EPF 4 Lacs
Banking/Postal
4 Lacs
Gold/Bond Funds
4 Lacs
Life Insurance 40 Lacs or 4 Cr
Real Estate/Mutual Funds
2 Lacs or 5 Lacs
Why Growth Instruments
Product What after 20 Year
PPF/EPF 57 Lacs
Banking/Postal
57 Lacs
Gold/Bond Funds
75 Lacs
Life Insurance 57 Lacs
Real Estate/Mutual Funds
2.5 Cr
Why Proper Insurance
www.fortunefinancials.com14
DEATH IN FRONT
Now water inside everywhere
TITANICSome decided to die together.
First portion already drowned
Desperation for life.
Life Boats in Titanic
500/2200 Only Why
How Much InsuranceELV & HLV
My Home, My Wife, My Child
12 X Annual Income = 1% Monthly80-Remaining Years X Expanses + InflationHow Much Amount you would like to leave
4D ProtectionSampoorna Suraksha
•Death•
•Disability
• Disease
• Disaster
Plan vs PlanningInstead of single Plan/Policy take go for
Portfolio
Tripe Matrix
33%
Real Estate Equity/MFs
20-25%
33%
Banking/postal
Bonds/Gold
12-18%
33%
Life Insurance
Child/Pension
8-12%
Selection ParametersAny Consumer Product
TV/Mobile/Vehicle /Tour/Professional
Life Time ThingsHome/Life Partner/Child Schooling /Professional
Medical TreatmentScience / Surgery / Medicines/ Professional
Financial Product & Services????????????
Beating InflationBanking/Postal/Corporate F D of Rs. 1 Lac @ 9%
Interest earned in 1 year Rs. 9000/-
Standard Inflation - Rs. 7000/-
Principal Value after 1 Year Rs. 93000/-
Actual Return 93K + 9K Rs. 102000/-
Tax Liability on Rs. 9000 Interest - Rs. 2700/-
Post Tax Returns 102000-2700/- Rs. 99300/-
Is it really Safer Investment & Beating Inflation
SENSEXLarge Cap & Leading Stock in
SENSEX 30 or NIFTY 50
BSE SENSEX started with
100 rate point in 1979 &
Now 29000Market has maintain a good historical return of 18% annualized
Market History
Market vs FDYear Sensex Sensex
Growth %FD Growth
%
Rs. 1 Lac Grwoth
Sensex FD
31-Mar-00 5001 34% 9 100000 10000031-Mar-01 3604 -28% 9 133725 10900031-Mar-02 3469 -4% 9 96375 11881031-Mar-03 3049 -12% 9 92764 12950331-Mar-04 5591 83% 9 81517 14115831-Mar-05 6493 16% 9 149483 15386231-Mar-06 11280 74% 9 173607 16771031-Mar-07 13072 16% 9 301606 18280431-Mar-08 15644 20% 9 349525 19925631-Mar-09 9709 -38% 9 418305 21718931-Mar-10 17528 81% 9 259588 23673631-Mar-11 19445 11% 9 468662 25804331-Mar-12 17404 -10% 9 519931 28126631-Mar-13 18836 8% 9 465358 30658031-Mar-14 22386 19% 9 503636 33417331-Jan-15 28000 25% 9 598563 364248
0
100000
200000
300000
400000
500000
600000
700000
Series1Series2
One Time Rs. 1 Lac SENSEX vs FD
in long term of 35 Years
Rs. 2K Monthly SIP
Sensex FD Sensex FD
18% 9% 18% 9%
3.27 Cr 20 Lacs 4.77 Cr 54 Lacs
Income vs Consumption1st Job to 100 People by 100 Companies
Bank Account SBI,/PNB, HDFC,/ICICI, Employee, Loans, Renting, Software
Mobile/Bike/Cloths Airtel/Nokia, Bajaj,/Hero, Raymond'sEmployee, T&P, Lands, Sub-Vendors
Car/Flat/Marriage Maruti,/M&M, DLF,/Unitech, HotelsLand, Steal, Cements, Electrical, Luxury
Vacation/Child/ Jet Air, Cox & King, Max/Apollo, Tourism, Medicine, Employment, Loans
Schooling/Fooding Akaash, Educomp, Nestle, Jubilant FoodLaptop, Junk Food, Oral Care Medical
LIC Business New Clients, Big Premium, Wealth Creation, Agents own Wealth
Market FutureFuture Projection with just 18% CAGR.
Future OutlookNow you have to decide the Future India
Highest Population & High Earnings of India’s Next Generation.
The Power of Indian Retail & Strong Domestic Consumption.
Huge Infrastructure Spending & Good Order Book.
More FDI / FII Investment & Corporate Mergers in Indian Market.
More International tie-ups & Nuclear Deal.
Service Class & Export Oriented Economy.
Stable Government & Strong Planning for next 10-20 year.
And Many More.
LIC ULIP13 Year Old Funds
Bima Plus 2001 87 18%
9 Year Old Funds
Future Plus 2005 35 16%
6 Year Old FundsChild Fortune Plus 2008 25 17%
One Time Investment of Rs. 1 Lac in 20 year
@ 6%
3.20 Lacs
@ 8%
4.66 Lacs
@ 15%
16.36 Lacs
Wealth Creation
Monthly Investment of Rs. 1000/- (20 Years)
@ 6%
4.55 Lacs
@ 8%
5.72 Lacs
@ 15%
13.27 Lacs
Wealth Creation
Targeted Goal Base approach
Current Cost10 Lacs
Future Cost @ 6% 32 Lacs8% 15%
6.86 L 1.95 L
5588/- 2411/-
Future Approach
CHANGE cant CHANGE
Cooking StyleChulha > Stove > LPG > Microwave > Induction Cooker
Child EducationPathshala > Govt School > Public School > Coaching
CommunicationLetters > Telephone > Mobile/SMS/E Mail > BBM/Whats app
Investment Planning
???
ACTION PLANStop thinking now and plan you Investment
Ritesh-9350892225
Disclaimer:
* Mutual Fund Investments are subject to Market Risk & Past Performance may or may not be sustain in future.
* Insurance is Subject matter of solicitation.
THANKING YOU