Managing Financials
Why Invest
Goal Achievement
How to Invest
Financial Freedom
Where to Invest
Wealth Creation
Financial Planning with
LIC
Failure Analysis
Why Invest
Product
1985
2012
Growth %
2030
Tooth Paste
5
60
8
280
Milk
Masala Dosa
5
40
7.5
150
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
?
3 BHK
?
?
Costly Accommodation
Medical Expanses
Joint Family Own 1BHK
?
?
Mr. X a Common Man
Age-35, Child Age-3, Monthly Income-30K
Child’s Higher Education
Child’s Marriage
At age 21 after 18 year Rs. 6 Lacs
At age 25 after 22 year Rs. 15 Lacs
Rs. 24 Lacs
Rs. 81 Lacs
Retirement / 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 Years
between 50 to 70 Years of Age
@ 0%
@ 8%
Rs. 84000/-
Rs. 27000/-
@ 15%
Rs. 9000/Return on Investments vs
Return of Investments
Basic Financial Planning
3 Major Parts of Financial Planning
Risk
Management
Life Insurance
Permanent Loss Income
Child/Retirement Future
Emergency &
Short Needs
Short Term Needs
Medical Emergencies
Temporary Loss Income
12X of Monthly Income
Future Goals &
Dreams
Life Time Targets
Future Income
Dream Life
Need Base Allocation
A Common Man Life Cycle
High Age
Close Targets
No Room for Risk
Low Age
Low Risk
Low Liabilities
Mid Age
Mid Term Targets
Age-40-55 Years
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 Allocation
Risk Management
& Family Protection
Emergency &
Short Needs
Future Goals &
Dreams Life
Life Time Targets
100- Your Age
Child
Education/Marriage
Retirement Solutions
Future Income
Dream Life
12X of Yearly Income
Family Protection
Child Future Security
Temporary Loss of
Income
12X of Monthly Income
Emergency Condition
Short Term Needs
Medical Emergencies
33%
33%
33%
High Insurance
Health Insurance
Child /Retirement Plans
Gold, Bonds,
RD/FD /CD
Mediclaim
Property /Shares
Kitty/ Pvt. Interest
Mutual Fund SIP
Permanent Loss
Income
Generally What Happens
1st Job with 40K Salary
Mobile/ Vehicle/ Luxury
EPF/PPF
Life Insurance &
ULIP/MF SIP
Flat on Monthly Installments
Marriage Honeymoon
Delivery & School Admission
Financial Medical Problem
Products & Suitability
Foot Walk/Motor Cycle, Luxury Car, Train/Aero Plane
Next or Back Side Nabors
Luxury Car
Mumbai or Bangkok
Vegetable, Whets & Fruits
3-6 Months
6-12 Months
Mango & Apple Tree
10 Years
Why Contingency Funding
Product
If I Need Money
after 3 Years
PPF/EPF
No
Banking/
Postal
Gold/
Bond Funds
Life Insurance
4 Lacs
Real Estate/
Mutual Funds
2 Lacs or 5 Lacs
4 Lacs
No
Why Risk Management
Product
If my Family needs
Money
PPF/EPF
4 Lacs
Banking/
Postal
Gold/
Bond Funds
Life Insurance
4 Lacs
Real Estate/
Mutual Funds
4 Lacs
40 Lacs or 4 Cr
2 Lacs or 5 Lacs
Why Growth Instruments
Product
What after 20 Year
PPF/EPF
57 Lacs
Banking/
Postal
Gold/
Bond Funds
Life Insurance
57 Lacs
Real Estate/
Mutual Funds
2.5 Cr
75 Lacs
57 Lacs
Why Proper Insurance
1
4
www.fortunefinancials.com
DEATH IN FRONT
TITANIC
Now water inside
everywhere
First portion already
drowned
Some decided to
die together.
Desperation for life.
Life Boats in Titanic
500/2200 Only Why
How Much Insurance
ELV & HLV
My Home, My Wife, My Child
12 X Annual Income = 1% Monthly
80-Remaining Years X Expanses + Inflation
How Much Amount you would like to leave
4D Protection
Sampoorna Suraksha
•Death
•
•Disability
• Disease
• Disaster
Plan vs Planning
Instead of single Plan/Policy take go for Portfolio
Tripe Matrix
33%
33%
Real Estate
Equity/MFs
Banking/postal
20-25%
Bonds/Gold
12-18%
33%
Life Insurance
Child/Pension
8-12%
Selection Parameters
Any Consumer Product
TV/Mobile/Vehicle /Tour/Professional
Life Time Things
Home/Life Partner/Child Schooling /Professional
Medical Treatment
Science / Surgery / Medicines/ Professional
Financial Product & Services
????????????
Beating Inflation
Banking/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
SENSEX
Large Cap & Leading Stock in
SENSEX 30 or NIFTY 50
BSE SENSEX started with
100 rate point in 1979 &
Now 29000
Market has maintain a good historical return of 18% annualized
Market History
Market vs FD
Year
Sensex
31-Mar-00
31-Mar-01
31-Mar-02
31-Mar-03
31-Mar-04
31-Mar-05
31-Mar-06
31-Mar-07
31-Mar-08
31-Mar-09
31-Mar-10
31-Mar-11
31-Mar-12
31-Mar-13
31-Mar-14
31-Jan-15
5001
3604
3469
3049
5591
6493
11280
13072
15644
9709
17528
19445
17404
18836
22386
28000
Sensex FD Growth
Growth %
%
34%
9
-28%
9
-4%
9
-12%
9
83%
9
16%
9
74%
9
16%
9
20%
9
-38%
9
81%
9
11%
9
-10%
9
8%
9
19%
9
25%
9
Rs. 1 Lac Grwoth
Sensex
FD
100000 100000
133725 109000
96375 118810
92764 129503
81517 141158
149483 153862
173607 167710
301606 182804
349525 199256
418305 217189
259588 236736
468662 258043
519931 281266
465358 306580
503636 334173
598563 364248
One Time Rs. 1 Lac
Sensex
FD
18%
9%
3.27 Cr
20 Lacs
700000
600000
500000
400000
Series1
Series2
300000
200000
100000
0
1 2 3 4 5 6 7 8 9 10111213141516
SENSEX
vs FD
in long term
of 35 Years
Rs. 2K Monthly SIP
Sensex
FD
18%
9%
4.77 Cr
54 Lacs
Income vs Consumption
1st 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's
Employee, T&P, Lands, Sub-Vendors
Car/Flat/Marriage
Maruti,/M&M, DLF,/Unitech, Hotels
Land, Steal, Cements, Electrical, Luxury
Vacation/Child/
Jet Air, Cox & King, Max/Apollo,
Tourism, Medicine, Employment, Loans
Schooling/Fooding
Akaash, Educomp, Nestle, Jubilant Food
Laptop, Junk Food, Oral Care Medical
LIC Business
New Clients, Big Premium, Wealth
Creation, Agents own Wealth
Market Future
Future Projection
with just 18% CAGR.
Future Outlook
Now 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 ULIP
13 Year Old Funds
Bima Plus
2001
87
18%
9 Year Old Funds
Future Plus
2005
35
6 Year Old Funds
Child Fortune Plus 2008 25
16%
17%
Wealth Creation
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
Future Approach
Targeted Goal Base approach
Current Cost
10 Lacs
Future Cost @ 6%
32 Lacs
8%
15%
6.86 L
1.95 L
5588/-
2411/-
CHANGE cant CHANGE
Cooking Style
Chulha > Stove > LPG > Microwave > Induction Cooker
Child Education
Pathshala > Govt School > Public School > Coaching
Communication
Letters > Telephone > Mobile/SMS/E Mail > BBM/Whats app
Investment Planning
???
ACTION PLAN
Stop thinking now and
plan you Investment
THANKING YOU
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.