basic finance and retirement dilshad final
TRANSCRIPT
YOU NEED TO KNOW THESE FACTS…
• What ‘inflation’ could do to you..
• Why it pays to start saving early in life …
• Fight with moving Age / Time
• The difference between ‘income’ and ‘real income’...
• How to prioritize your investments …
• Why ‘equities’ are best in the long run …
• Effect of Compounding…..
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10 years 20 years 30 years 40 years
16,300
26,500
44,000
74,000Rs. 10,000 today
INFLATION ROBS YOUR PURCHASING POWER (assuming inflation @5% p.a.)
Dilshad Billimoria -Certified Financial Planner
WHERE DO YOU INVEST YOUR MONEY TODAY?
Dilshad Billimoria -Certified Financial Planner
You have a choice!
Rs. 808
Rs. 237
Rs. 66
Rs. 17Rs. 4
5% 10% 15% 20% 25%
EFFECT OF COMPOUNDING(Re.1 Invested for 30 years)
Dilshad Billimoria -Certified Financial Planner
5%
33%
6.36%
InflationTaxReal Income
WHY IS REAL INCOME SO IMPORTANT
If an investment is giving you 10% return…
Focusing on Real Income is important for wealth creation
Dilshad Billimoria -Certified Financial Planner
Data from SBI/RBI and BSE Sensex : 2000-2012
INVESTMENT PERFORMANCE IN VARIOUS ASSET CLASSES
Gold Equity Gilt Bonds FDs02468
10121416
Investment Performance
Investment Per-formance
12.96%
15.96%
9.58%8.57%
6.30%
Dilshad Billimoria -Certified Financial Planner
WHAT IS RETIREMENT?
Dilshad Billimoria -Certified Financial Planner
• When a person chooses to leave the workforce. The concept of full retirement – being able to permanently leave the workforce in old age – is relatively new, and for the most part only culturally-widespread in first-world countries. Many developed countries have some type of national pension or benefits system (i.e. the United States' Social Security system) to help supplement retirees' incomes.Investopedia explains 'Retirement‘
• Dramatic advances in healthcare have extended the lives of people in, predominantly, first-world and developed countries. That means that without adequate personal savings and/or pensions, people could easily outlive their retirement funds. In times of economic downturn retirees may choose to "come out of retirement" and re-enter the workforce on a seasonal, part-time or full-time basis to earn income and obtain benefits, especially costly health insurance coverage.
WHAT IS RETIREMENT?
Dilshad Billimoria -Certified Financial Planner
Retirement Calculation
FIND OUT YOUR RETIREMENT CORPUS NEEDED
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• Rate of interest.• Rate of inflation• Any Charges in the product• Any guarantees and if so in writing• What is the real return• What is your life expectancy.• Are your savings enough.• How will my portfolio look in 10 years, 20 years..• How to handle the income distribution phase in Retirement.
WHAT ARE THE FACTORS TO CONSIDER WHILE CHOOSING INVESTMENT OPTIONS: BE AN INFORMED INVESTOR
YOU NEED A TRUSTED CERTIFIED FINANCIAL PLANNERDilshad Billimoria -Certified Financial Planner
Website: www.dilzer.netEmail: [email protected]: 91.80. 41512337 / 91.80. 41136147
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Dilshad BillimoriaCERTIFIED FINANCIAL PLANNER AND INVESTMENT ADVISOR.
Thank you for your time!
Dilshad Billimoria -Certified Financial Planner