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www.finerva.com | support@finerva.com | +91-9787-11-11-66
Creating and
Growing Wealth
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Finerva
•Finerva = Finance + Minerva
(Roman Goddess for Wisdom)
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Introduction
Finerva
• India’s First Company dedicated to Personal
Finance Education
• 3 core values:
• Simplifying Personal Finance
• Make Meaning
• Create Value
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Tools to Create Wealth
www.finerva.com | support@finerva.com | +91-9787-11-11-66
• Basics of Cash Flow
• Is there a difference between assets for
Companies and Individuals?
• Asset Vs Liability Chart
• Mark the table in your workbook appropriately
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Tools to Create Wealth
• Cash Flow Chart
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Applying Cash Flow to Our Lives
•Exchange
of phones
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Applying Cash Flow to Our Lives
•Bike with
high resale
value
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Applying Cash Flow to Our Lives
•Having assets
and heavy
loans
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Applying Cash Flow to Our Lives
•House that we live in
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Applying Cash Flow to Our Lives
•Vehicle
loans
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Applying Cash Flow to Our Lives
•Borrowing
for tax
saving
investment
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Tools to Create Wealth…
Balancing
Return
& Risk
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www.finerva.com | support@finerva.com | +91-9787-11-11-66
• What is risk?
• Any deviation from expectation is risk
• Which has higher risk?
• When I expected 10 % I got 9%.
• I expected 35% I got 31.5%
• I expected 100% I got 90%
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Which decision is better?
• An army general has 250,000 soldiers.
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Which decision is better?
If he fights:
• The probability to lose 37,500 persons is 50%
• The probability to lose 43,750 persons is 25%
• The probability to lose 31,250 persons is 25%
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Which decision is better?
• If he retreats he will lose only 15% of his
army.
• Which decision will reduce the loss of lives?
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Risk…
•Is there zero risk?
•No. That is why Countries are rated too.
•Sometimes the sovereign rating can be
lesser than some companies in the
country.
www.finerva.com | support@finerva.com | +91-9787-11-11-66
…Tools to Create Wealth
www.finerva.com | support@finerva.com | +91-9787-11-11-66
…Tools to Create Wealth
•Tools to meet my requirement
• Comparision chart for
different investments
• Increase the sources of
Income
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Sources of Income
• Myth to break: Salary has to be my main source of
income.
– Types of People – Employed, Self Employed,
Businessman, Investor
– Be an Businessman / Investor
– Leverage OPM, OPT
– Leverage Technology
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Calculating My Needs
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Calculating My Needs
Financial Planning Includes:
1. Protecting our Family
2. Planning for our Milestones
3. Planning for Emergencies
4. Planning for Retirement
5. Planning for Estate
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Protecting My Family
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Protecting My Family
• Do I need Insurance?
• How much Insurance do I need?
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Planning for My Milestones & Retirement
• Have I planned for
– My Children’s Education?
– My House?
– My Car?
– My Parents?
– My Business?
– My Retirement?
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Milestone Planner
Retirement Planner
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Where is the money?
• I know I need to save. But where is the
money?
–This month my in-laws were in town
–The TV / Washing Machine / Fridge
failed this month
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Where is the money?
–Surprise hospital expense came up
–Child’s School Term Fees had to be paid
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Where is the money?
–Soft Loan had to be repaid
–Surprise Trip from Company. Claim will
take one month for reimbursement.
–Aadi Month / Deepavali / Ramzan /
Chirstmas / Pongal / New Year / School
Holiday Purchases
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Budget – Myths And Reality
• What ever I
plan does not
work? So why
plan?
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Budget – Myths And Reality
• A plan does not ensure that the goal is
achieved.
• Plan is required to first set a goal and then
to remind you to reach it
• And alert you when there is a deviation
• A company has become big because they
have a budget…
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Budget is for big companies.
• Any company has become big because it
functioned on a budget
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Budget Myths & Reality
• Anything on sale can be
bought
• A sale is profit for the sales guy
• Is the thing on sale what you
want?
• Buy anything based on a list of
needs and excess cash.
www.finerva.com | support@finerva.com | +91-9787-11-11-66
There is not enough money for
everyone to be rich
• Money is not a limited quantity commodity
(at least at our level)
• The more value you create for your
company and others, the more money you
have.
www.finerva.com | support@finerva.com | +91-9787-11-11-66
That guy is filthy rich! He should have done some
criminal activity some time in life.
• This is a statement out of guilt and jealousy / envy
• Sometimes used to protect our image in front of our
children.
• “Money is not evil after all – in good hands” – Swami
Vivekananda
• “Jealousy is the root of all evil, and a most difficult thing
to conquer” – Swami Vivekananda
www.finerva.com | support@finerva.com | +91-9787-11-11-66
www.finerva.com | support@finerva.com | +91-9787-11-11-66
My Present Budget
• Fill in your Budget Worksheet
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Creating a Surplus for My Goals
• Can you see where your goals are being SPENT?????
• Identify expenses which can be reduced
• Identify loans which need to be closed immediately
• Identify investments that need to be started
immediately
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Net Worth
• The Net Worth Sheet summarises our assets
and liabilities.
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Symbols of Social Status Vs Wealth
• Wealth is generally associated with the
ownership of social status symbols such as
Huge Cars, Palatial Houses, Servants, Jewels,
Silk Sarees, etc.
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Symbols of Social Status Vs Wealth
• Social status symbols are more often, than
thought, liabilities.
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Wealth Defined
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Wealth Defined
• Wealth is defined not
in quantum of cash but
in TIME
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Wealth Defined
• A person's wealth is
defined by how long a
period of time one can
sustain one’s lifestyle if
he/she stops working.
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Wealth Defined
• The longer you can go
on living your life
without working
another day, the
wealthier you actually
are.
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Your wealth is therefore defined by three things
• Your monthly expenses
• Your liquid assets and
• Your passive income.
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Myths Summarised
• Safest option in life is to get a secure job and stay there always
• Only doctors make a lot of money
• Sale! Sale! I buy always when there is a sale
• I will never understand how investing works
• They have a big house, they must be rich…
• There is not enough money for everyone to be rich
• People who make mistakes are stupid
• Fixed deposits are safer than stocks
• I will never be rich…
• Investing in stocks is gambling.
• Only crooks become crorepathis
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Mantras for Wealth
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Mantra 1
Time
The largest of trees
start from the small
seeds. Allow time and
nurture your
investments.
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Mantra 2
Income – Investment = Expenses
If spending money brings you enjoyment, you will never be rich.
However if making money brings you enjoyment, then your wealth
is guaranteed.
Make list based purchases
Given a choice – see what the excess amount could be
www.finerva.com | support@finerva.com | +91-9787-11-11-66
Invest with a Goal and Make Goal Based
Investments
If your goal was 10% gain sell once you get
it. Don’t get Greedy.
Life Goals give clarity for the quantum and
term of investment.
A purpose will ensure money is not used
otherwise or spent.
www.finerva.com | support@finerva.com | +91-9787-11-11-66

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Wealth creation