Have you ever done Financial Assessment before? This is the right �me. Thinking about how to achive it ? Goals : Buy a Car, Child’s Educa�on, Start a Business, Buy / Build a House, Child’s Marriage Total Investment required / Year To acheive all Goals Goal Amount No. of Year From Now Goal Amount No. of Years ÷ S.No.S.No. Long Term Financial Goal Retirement 1 2 3 4 5 BE READY Emergency Fund Planning PORTFOLIO ANALYSIS Income & Expenditure Analysis FAMILY SECURITY Insurance Planning - Life, Health, 2 & 4 Wheeler FINANCIAL GOAL PLANNING Iden�fy Long Term Goals and Risk-profile Analysis TAX PLANNING & GOAL BASED INVESTMENTS Diversified Investment Planning & ELSS Tax Planning RETIREMENT PLANNING Live a dignified re�red life with proper Wealth Planning
PORTFOLIO REVIEW Evaluate Por�olio Performance and mee�ng client regularly SMALLCASES / BONDS / NPS / FDs Advisor Personalized equity for long term & Pension Planning Krishnaraj V Insurance & Financial Advisor SEBI • IFA • IRDAI • AMFI REG. MFD ARN-269471 • EUIN-E505886 +91-96887 55885 support@positivewealthplanner.com positivewealthplanner.com Licensed - Financial & Insurance Advisory OUR
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Okay,
* Mutual Fund investments are subjected to market risks, read all scheme related documents carefully. Investments Appreciate Over �me Real Estate (Property) Equity Shares Gold / Gold Bonds Mutual Funds Bonds / FDs PPF / PF / NPS Bank / Corporate Deposits Mutual Funds Generates Income Over �me Solution : Mutual Fund
is it Needed ?
diversity risks & returns to improve return stability.
Fund is a smart investment tool that helps to grow your wealth. All mutual funds are registered and completely regulated by SEBI (Securi�es and Exchange Board of India).
how do I start with inves�ng ? Through “SIP” SIP : Systema�c Investment Plan 1. Start with Minimum - ₹ 3k, ₹ 5k 2. Brings in Descipline 3. Power of Compounding 4. No need to Time the Market 5. Rupee-Cost Averaging 6. Flexibility to Select Investment Plans 7. Flexibility in Liquidity of Returns 8. Achieving the Financial Goals Reasons to do SIP Asset Allocation What is it ? * Future projec�ons based on analysis of past infla�onary data; Subject to change Educa�on costs rise 10% between 2012 to 2020 in india. Top up your SIPs. Are you inves�ng an adequate amount through SIPs? Figures in Lakh 80 60 MBA MBBS Engineering HM 40 20 0 31 61 50 80 16 40 2.4 4.8 2020 2030 * Tui�on fees are expected to rise in india Rupee-Cost Averaging Power of Compounding ` 1.15Cr ` 90.55 Lakh ` 24 Lakh Future Value of Your SIP Inves�ng 10k Monthly for 20 Year Future Value ` 1.15Cr Total Investment Assummed 13% Return Gains BUY BUY BUY BUY BUY PRICE TENURE
Why
To
Mutual
Now, Let’s Know About INFLATION
Infla�on is the rise in prices over �me, rela�ve to the money available.
Infla�on is inevitable. Are you prepared for it ?
The value of rupee will keep decreasing day-by-day, say if you have ₹ 100 today, it will be just ₹ 92 a�er an year only if it is not invested and when infla�on rate is 8%.
Inflation weakens the Value of Money
How much could buy for ₹ 1000
That means, last year, the product price was ₹ 100 and this year it will be ₹ 108.
What
INFLATION 8% Today 100 92 A�er 1 Year Impact of Infla�on on your Expense ₹ 30,000 ₹ 40,000 ₹ 60,000 ₹ 80,000 Today 5 Years 15 Years 20 Years Impact of 5% yearly Infla�on on Expenses * Future Projec�on in the charts are based on the past performance data. START INVESTING EARLY 25 Yrs 30 Yrs 35 Yrs 40 Yrs 45 Yrs ` 4,210 ` 7,700 ` 14,200 ` 26,400 ` 51,100
5cr
Benefits of Star�ng Early Star�ng Age 25 35 Stay Invested Till 50 50 Expected Return 15% 15% SIP Amount 5000 5000 Invested Amount 15 L 9 L Expected amount 1.6 Cr 33.8 L at age of 50 ₹ 35,000 ₹ 50,000 ₹ 80,000 ₹ 100,000 Today 5 Years 15 Years 20 Years Impact of 5% yearly Infla�on on Savings
of Infla�on on your Savings Onions (kg) Potatoes (kg) Tomatoes (kg) Bajra (kg) Wheat (kg) Arhar (kg) Chana (kg) Basma� Rice (kg) Diesel (Ltr) Petrol (Ltr) Soyabean Oil refined (Ltr) Tea (kg) In 2002-03 In 2021-22 251 46 211 82 199 50 188 63 135 52 61 17 61 20 58 16 53 11 34 10 21 7 18 6 Based on whole sale market price; Source: CMIE Economic Outlook
is it ?
Your Age Start SIP of TARGET
Want to become 5 Crorepa� At Age 65 Assummed 12% Return
Impact
Want to Know More ! ?
Things to keep in mind when you are doing any investment:
• Any investment that you are doing should give the returns than the infla�on (ex: 10%)
• Consult with Financial Advisor before taking any long-term investments
• Should Provide you income when you need it
• Investment Value should grow or appreciate over �me
• Always Family Security is more important than investments.
How
Posi�ve Wealth Planner, Krishnaraj V has Empanelled with all the AMCs is India
you
Lakh insurance
IRCTC
you know your bank FDs has insurance of 5 Lakh
you know your RuPay Debit Card has 1-2 Lakh Insurance
DO YOU KNOW !? Through Insurance : “Everyone in the family must be educated about the Insurance” Term - Life Insurance Health Insurance 2 or 4 Wheeler Insurance
Do
know you get 10
from
? Do
? Do
?
do you
family Secured ? Partnered with HDFC Life * Mutual Fund investments are subjected to market risks, read all scheme related documents carefully. * We don't charge any fees for inves�ng in Mutual funds, fund houses compensate us. * Inves�ng in mutual fund involves risk, including the possible loss of principal. Past performance is not an indica�ve of future results. Krishnaraj V Insurance & Financial Advisor SEBI • IFA • IRDAI • AMFI REG. MFD ARN-269471 • EUIN-E505886 +91-96887 55885 support@positivewealthplanner.com positivewealthplanner.com
get your
