Welcome to

A PRESENTATION ON

‘ “FINANCIAL PLANNING”‘ “FINANCIAL PLANNING”

By

VIPUL BANE

Why Are We Here Today?

To Help YOU

Plan your future better.

Set your financial goals/priorities

Understand your Risk Profile.Understand your Risk Profile.

Secure your family against uncertainties in Life.

Achieve your Financial goals in the most efficient manner.

Take informed decisions regarding your investments & Financial Future.

What is Financial Planning?

Why Financial Planning?

How can we do Financial Planning?

Brief Introduction about

Agenda

How do we get Started?

No one ever plans to fail, but many fail to plan

Brief Introduction about

Definition of Financial Planning

It is a process of attempting to take a client from

his/her current (Financial)position to a preferred

(Financial)position at a future point in time.

X

Y

(Current Age)

(Age at Death)

Different ways of Financial Planning

Spend

IncomeThis is the situation

Most households

remain in.

More often than Not

Save

Financial Failure

More often than Not

this results into

Financial Failure

over the Long-Term

Spend

Income

Savings take care of your

accumulation

& hence takes care of expenses

Different ways of Financial Planning

Save

Invest

Financial Independence

& hence takes care of expenses

while

Investments take care of

long-term Financial goals.

What happens when you are

Hit by 3Ds?

( Death/Disability/Disease)

The Ideal Way of Financial Planning

Spend

IncomeYour Protection A/C

In case you are hit by 3D’s

- you protect your assets

Your Investment A/CSave

Invest

Financial Freedom

Your Investment A/C

This remains separate from your

protection A/C to ensure that your

money grows even if you are

hit by the 3D’s.

A Unique combination

of Protection & Investments.

Why Financial Planning ?

InflationCost of Education /

Medical increasing

exponentially

Rising Life expectancyestimated to increase

from 72 to 85 by 2020.

Financial Planning

Protection of familyProtection against the

uncertainty

Balanced Asset Allocation

Investment and Protection

Time Horizon in Financial Planning

Short Term: 0 to 3 yrs.

Medium Term:3 to 10 yrs.Medium Term:3 to 10 yrs.

Long Term:10 yrs & beyond ………………

Retirement PlanningTaking care of your long retirement years

Family ProtectionTo ensure that the financial loss to the family is negated, in case something unfortunate befalls.Egg :Define &

Prioritize Goals LT

Priorities in Financial Planning

negated, in case something unfortunate befallsPrioritize Goals LT

Goals

Children’s Higher EducationMatching the increasing educational expenses & protecting against any uncertainty.

Asset CreationCreation of physical and financial assets

Why do Most People Fail to achieve

their LT Financial Goals?

Most People assume that they can manage their Future & hence don’t need external assistance.

They keep Postponing- I will start tomorrow but tomorrow never comes.(or comes too late)tomorrow never comes.(or comes too late)

Lack of financial discipline to achieve Financial objectives.

Lack of Prioritizing their goals.

Save but fail to invest in the right way.

Significance of Asset Allocation

Most Important factor for

successful Financial Planning

is

Asset Allocation

Brinson, Hood and Bee bower : Determinants of Portfolio Performance, 1986, 1991: “Asset Allocation helps explain over 94% of a portfolio’s performance”.

(94% contribution)

Debt-Equity Allocation

To achieve the right asset mix, one must consider the following factors :

� Investment objective

� Current Age

� Stage of Lifecycle

� Time Horizon

� Past Investment Experience

� Risk Appetite/Behavior

� Returns Expected

Cost of Delaying would be High.

1400

1600

1800

2000

Power of Compounding ( 8thWonder of the World)

0

200

400

600

800

1000

1200

A B Saving

Retirement kittySaves from Saves from

25 to 35 35 to 60

Benefits of Start Early i.e. Today?

Its never too early to start for LT Objectives.

Compulsory investment & not just saving.

The sooner you begin the better your chance of The sooner you begin the better your chance of having a secure & stress free Retired Life.

The higher the term the higher the compounding & Tax- deferred growth.

Financial Security & Financial Freedom for Life.

How to do your Financial Planning

Define & prioritize

your goals1.Set Goals

Project income,

expenses &

investments

2.Current

Status & Gap

Analysis

4 STEP PROCESS

Risk Appetite and

Protection needs

3.Investment

and Insurance

Changing

Lifestyle,

changing

Financial Goals

4.Create &

Monitor

Savings Plan

Analysis

Integrated

Protection

Integrated Financial

Retirement

Children’s Education

Asset creation

Family Protection

Your Integrated Financial Planning

Disposable

Income

LT GOALS

Integrated

Savings

Investment

Integrated Financial

Planning

Family Protection

Protection against

disability

Protection against

Dreaded diseases

Various investment

options to create wealth

Important Points.

Provision for Emergency funds.

Investment should as per your Risk-Profile &

should meet Financial Objectives.

Investment Portfolio should generate returns

higher than the Inflation rate

Make it

Easy!

higher than the Inflation rate

Tax implications & Liquidity Options.

Protection against the 3 D’s of Life.

Don’t try to Time the Market instead Spend

Time in the Market.

Tax Provisions (F.Y. -2011-12)

u/s 80 C- Limit Rs. 1 Lac

(Housing Loan Principal, ELSS Mutual funds, Premium on Life Insurance & Annuities, PF, Premium on Life Insurance & Annuities, PF, NSC, Bank FDs with Locking period of 5 yrs, Children’s Tuition fees up to Rs.10,000).

u/s 80 CCF- Limit Rs 20,000 ( Infra Bonds)

u/s 80 D- Limit Rs. 15,000 ( Medi-claim).

Tax Provisions (F.Y. - 2012-13)

DTC with effect from April 2012.

Exempt-Exempt-Exempt up to Rs.1 Lac for

Govt. Pension ; PPF; Recognized PFs; Pension

schemes(PFRDA approved);Pure Life Insurance & schemes(PFRDA approved);Pure Life Insurance &

Annuities.

�An additional deduction of Rs. 50,000 has been

proposed to cover other Life Insurance premium,

tuition fees & Health Cover which are currently u/s

80 Tax Provisions.

Next Steps

Seek appointment with us to understand your individual needs & achieve your financial goals.

Seek free guidance on how to allocate your savings.

Get Customized solutions as per your need & Get Customized solutions as per your need & budget.

All this with No obligation /commitment whatsoever from your end to purchase any of our solutions.

So Call us Now & provide with an opportunity

to Help You.

A One Stop Shop for all your Financial Planning Needs.

WE

Specialize in Corporate Help-Desk services.

Provide all Investment & Secured Loan Products of

all Major Brands.all Major Brands.

Provide Unbiased & Fair Advice to Help you Save

& Invest in a purposeful & Need-Based Manner.

Suggest suitable products and provides

customized solutions as per your Needs & budget.

Maintain Integrity in Sales & Excellence in

services.

Services offered by Us for

Privileged Corporate Employees.

Free, Unbiased & Fair Advice to Help you Save &

Invest in a purposeful & Need-Based Manner.

Free & Fair Advice on Right Asset Allocation,

through suitable Investment, Insurance & other

tax-efficient saving avenues.tax-efficient saving avenues.

Financial Planning (Goal based/ Comprehensive)

- Fee based or Commission based.

Secured Loans at most competitive rates.

ITR filing for Salaried People (for existing clients)

Help-Desk Services for the above services on an

Ongoing basis.

VIPUL BANEBSc., MBA, AFP ,IRDA & AMFI Certified.

10 yrs + of Experience in the Financial Services

Cell : 9819313236

E-mail: adyanta.financial@rediffmail.com

Face book Profile : Vipul Bane / Adana FC

THANK YOU

Wish You & Your Family

A Financially Secure Future with Complete

FINANCIAL FREEDOM.