wealthapp_financial awareness initiative


Spend the Saving!

Marriage

Child Birth

First Home Purchase

Child’s Education

Child’s Marriage

Home Upgrade

Loss Of Job

Relocation

Aged Parents

Low Salary Increment

Becoming Entrepreneur

Early Retirement

Family Vacation

Honeymoon

Serious Illness

Premature Death

Accidental Disability

Retirement

Will You Be Ready? Are You Prepared?

High Inflation

Taxes

Vehicle Upgrade



Do I Need to Invest?

WHY


Why does one Need to Invest?

WHY

Beat inflation and taxes

Save for unexpected situations or emergencies

Peace of mind - Financial security

Create a second source of income

Meet aspirations as an individual or a family (retirement, vacation, tax saving et al)

Build wealth


What are my Options?

WHERE

6%

8%7.5%

9%

12%

15%

4%

5.4%

7.5%

8.70%

11.1%

15%

0%

2%

4%

6%

8%

10%

12%

14%

16%

Savings Account Fixed Deposit / Bonds Gold Debt Mutual Funds Real Estate Equity Mutual Funds / Stocks

An

nu

al R

etu

rns

Investment Instruments

Pre-Tax Post Tax

Inflation = 7.5%

Risk Level Low Low Medium Medium High High

Min.Investment

Low Low Low Low Very High Low

Liquidity Very High Low High Medium Very Low Medium

Tax Efficiency

Poor Poor Neutral High Medium Superior

Inflation Efficiency

Poor Poor Poor Medium High Superior


Words of Wisdom

FEW THINGS TO KNOW



Compound interest is the 8th wonder of the

world…He who understands it, earns

it…He who doesn’t… pays it

- Albert Einstein

Be the one who earns it by STARTING EARLY!!


Another Perspective:

A Perspective: To achieve Rs. 1 crore by age 60

Start by Age 25 35 45

Monthly Investment Required Rs. 877/month Rs. 3,628/month Rs. 16,225/month

Did you Notice? For every decade you delay, the monthly investment required increases 4 times!

5.7

11.41

1.37

2.75

0.3 0.61

0

2

4

6

8

10

12

Rs. 5000 / month Rs. 10000 per month

Val

ue

of

Inve

stm

ent

(cro

res)

Value at Age 60

25 35 45Note: Projections for equity investments


The Twins

Food for thought: Rs.1,00,000 in 1979 is valued at Rs. 4,850 today! However, Rs.1,00,000 invested in Sensex in 1979 is worth Rs. 3.5 crores today!

By the same token: If you thought you would retire as soon as you had a crore, think twice! Rs.1 crore today would only be worth Rs.14.5 lacs in 25 years from now!

Now, let’s do the math: You are content having invested Rs.1,00,000 into a fixed deposit @ 8 p.a.

You believe it yields you Rs.8,000 of interest p.a., right? Wrong! Once reduced for Rs.2,600 of taxes (assuming 30% tax slab),

you are left with Rs.5,400 which is below inflation rates!

So, what’s the solution???


What Does All This Mean?

THE TRUTH, REVEALED…


Start saving Early

Invest Regularly – Big or Small

Invest in the Right Asset Class

Spend time IN the market, not timing the market

Identify financial goals: essential and non-essential ones

How can I achieve all this?

WealthApp. An introduction



We are a fully online (web and mobile) financial advisor / wealth manager

Our platform is on 24 / 7 / 365

The standard plan is free-for-life

The platform is automated and algorithm driven reducing your dependency on a human advisor

Founding team has over FOUR decades of money management experience

We cut the clutter to make the investment process simple for you

You can get started with us for as low as Rs. 500 of investment

…And a little more


Our Process is Easy

Profiling Portfolio Invest

We understand your needs / goals before making any

recommendations

Our algorithms show you a portfolio customized for your

needs. DIY also an option

You invest in an online and fully paperless environment

Monitor Relax

Our algorithms monitor your portfolio

day-in and day-outYou sleep in peace

Thank You

Q&A?


wealthapp_financial awareness initiative

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