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My Financial Life




Presenter’s Name : Uday Dhoot CIPM, CFPCM

Guru & Jana, Bangalore
Date: September 8, 2012
Agenda


         •   INTRODUCTION

         •   BUILDING THE FOUNDATION

         •   BEGIN WITH END GOAL IN MIND

         •   SET YOUR PRIORITIES RIGHT

         •   NEED FOR A PROFESSIONAL ADVISOR

         •   ABOUT US
INTRODUCTION
THE CURRENT AGE MINDSET


                    •   JOBS NO LONGER FOR THE LIFE TIME – YOUNGSTERS
                        WANT TO RETIRE EARLY

                    •   HIGHER ACCESSIBILITY TO FINANCE: PROPERTY, CAR,
                        LIFESTYLE

                    •   HIGHER STRESS LEVELS

                    •   HIGHER ASPIRATIONS

                    •   GREATER INFORMATION AVAILABILITY

                    •   EMPHASIS ON LIVING FOR THE DAY
ASPIRE – BELIEVE - ACTION


                     ASPIRE
                     • For the perfect physical health
                     • Great financial life (house, car, holidays)


                     BELEIVE
                     • How many believe that exercise is good for health?
                     • How many believe that saving regularly can make you
                       rich?

                     ACTION
                     • How many save regularly?
                     • How many here exercise regularly?
FINANCIAL ASPIRATIONS
Immpl_presentation
BUILDING THE FOUNDATION
BUILDING THE FOUNDATION


                     •    How many of you have had your immediate family member
                          admitted to a hospital?

                     •    How many of you had a friend or relative admitted to a hospital
                          recently?

                     •    Facts:

                            •   India is the Diabetes capital of the world.

                            •   Diabetes is growing faster among woman.

                            •   The average age in which a person may suffer a heart
                                attack has come down from 40 years to 30 years

                            •   The World Health Organization has revealed in its first ever
                                Global Status Report on Road Safety that more people die
                                in road accidents in India than anywhere else in the world -
                                (Aug 2009)
BUILDING THE FOUNDATION

                     Age                   Sum Insured                     Premium

                 36-45 (2A+2C)                3L + 5L                       16413

                  36-45 (2A)                  3L + 5L                       10777



                     Health Insurance is a must for all families

                     Earlier the cover is taken, better is the coverage

                     Products available to cover health insurance upto Rs. 50L

                     Tax Benefit available u/s 80D
BUILDING THE FOUNDATION


                      How many of you have life insurance policies?

                      How many of you think you are sufficiently covered?

                      The Insurance 3 steps covering process:

                          •   Liability Protection – Risk Product
                          •   Expense Protection – Risk Product
                          •   Goal Protection – Risk & Savings Product
BUILDING THE FOUNDATION



                  Age 35 / Dependent 65 – Expense Protection
          Monthly Expenses             Insurance Required @ 10%
          25000                        55.34L
          50000                        110.69L
          100000                       221.38L

                  Age 35 / Dependent 75 – Expense Protection
               Monthly Expenses         Insurance Required @ 10%
                      25000                      63.75L
                      50000                      127.50L
                     100000                      255.00L
BUILDING THE FOUNDATION


       Age               Sum Assured            Term                 Endowment
                                                Insurance
       25                50L                    6685                 155288
       35                50L                    10084                215670
       45                50L                    16685                433522

               Term insurance is the best risk mgmt product.

               Combination of Term with PPF, give better returns as compared
                to Endowment Policies.
BEGIN WITH THE END GOAL IN MIND
Immpl_presentation
FINANCIAL GOALS
SMART – FINANCIAL GOALS


                     •    SPECIFIC

                     •    MEASURABLE

                     •    ACTIONABLE

                     •    RELEVANT

                     •    TIME BOUND
SMART – FINANCIAL GOALS


       Goal        Amount Required (Today’s Value)       No of years
     Education                25 lakhs                        15


                Goal                Value in Future
           Education                   60 lakhs


       Return      Monthly Savings Required       Investment Type
         8%                 17000                     No Risk
        10%                 14500                     Low Risk
        12%                 12000                     High Risk
        15%                 9000                      High Risk
GOLDEN RULES OF INVESTING - DISCIPLINE



               Current Age                 30      45
               Retirement Age              60      60

               Life Expectancy             75      75

               Monthly Expenses Required   35000   35000

               Retirement Corpus Rs.       3.37 Cr 1.40 Cr

               Monthly Savings             14921   33955
SETTING YOUR PRIORITIES RIGHT
SETTING YOUR PRIORITIES RIGHT



                       Current             Inflated    Monthly
     Goal       Year    Value    Returns    Value      Savings

    House       2017 2,500,000     8%      3,345,564   45,532

     Car        2015 750,000       8%      893,262     22,037

  Graduation    2027 1,500,000    10%      3,594,837    8,673

Post Graduation 2030 2,000,000    10%      5,708,678    9,506
MAKING INVESTMENT DECISIONS


                •   Risk

                •   Return

                •   Liquidity
                                   Savings
                •   Taxability
                                             Goals
                •   Time Horizon
SETTING YOUR PRIORITIES RIGHT



Product     Time         Risk   Expected   Liquidit   Taxation
Type        Horizon             Returns    y
Liquid MF   15 days –    Low    6-9%       High       Better then FDs / SB
            3 mths
Debt MF     3 mths – 3   Low    8-10%      High       Better then FDs / SB
            years
Equity MF   5 years +    High   12-15%     High       Tax Free after 12
                                                      mths
PPF         15 years     Low    8%         Low        Tax Free
Corporate   12 mths –    Low    9-11%      Low        As per slab
FDs (AAA)   3 years
RECAP


        •   Stronger the Foundation, Better Prepared your are for risk

        •   Goals help us choose better, avoid bad products

        •   Prioritizing helps in better execution

        •   Choosing the right asset classes, is not only about returns

        •   Don’t wait for perfection, start now
RECAP



Step                       Need                       Action
Building a strong          Ensuring Risk Protection   Term Insurance, Health
foundation                                            Insurance
Beginning with an end in   Goals – Education          Term + PPF, Term + MF,
Mind                                                  ULIP
Beginning with an end in   Goals – Retirement         PPF / MF
Mind
Short Term Goals           Low Risk                   Debt Funds / FDs
Long Term Goals            Low Risk                   Debt Funds / PPF /
                                                      Bonds / Tax Free Bonds
Long Term Goals            High Risk                  Equity Mutual Funds /
                                                      Shares
NEED FOR A PROFESSIONAL ADVISOR
Need for Professional Advice


                         •     Lack of time

                         •     Lack of competency

                         •     Plethora of products

                         •     Agents oriented towards selling products

                         •     Motivation – Advisors add value
THANK YOU



INTERNATIONAL MONEY MATTERS PVT. LTD.   www.immpl.com

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Immpl_presentation

  • 1. My Financial Life Presenter’s Name : Uday Dhoot CIPM, CFPCM Guru & Jana, Bangalore Date: September 8, 2012
  • 2. Agenda • INTRODUCTION • BUILDING THE FOUNDATION • BEGIN WITH END GOAL IN MIND • SET YOUR PRIORITIES RIGHT • NEED FOR A PROFESSIONAL ADVISOR • ABOUT US
  • 4. THE CURRENT AGE MINDSET • JOBS NO LONGER FOR THE LIFE TIME – YOUNGSTERS WANT TO RETIRE EARLY • HIGHER ACCESSIBILITY TO FINANCE: PROPERTY, CAR, LIFESTYLE • HIGHER STRESS LEVELS • HIGHER ASPIRATIONS • GREATER INFORMATION AVAILABILITY • EMPHASIS ON LIVING FOR THE DAY
  • 5. ASPIRE – BELIEVE - ACTION ASPIRE • For the perfect physical health • Great financial life (house, car, holidays) BELEIVE • How many believe that exercise is good for health? • How many believe that saving regularly can make you rich? ACTION • How many save regularly? • How many here exercise regularly?
  • 9. BUILDING THE FOUNDATION • How many of you have had your immediate family member admitted to a hospital? • How many of you had a friend or relative admitted to a hospital recently? • Facts: • India is the Diabetes capital of the world. • Diabetes is growing faster among woman. • The average age in which a person may suffer a heart attack has come down from 40 years to 30 years • The World Health Organization has revealed in its first ever Global Status Report on Road Safety that more people die in road accidents in India than anywhere else in the world - (Aug 2009)
  • 10. BUILDING THE FOUNDATION Age Sum Insured Premium 36-45 (2A+2C) 3L + 5L 16413 36-45 (2A) 3L + 5L 10777  Health Insurance is a must for all families  Earlier the cover is taken, better is the coverage  Products available to cover health insurance upto Rs. 50L  Tax Benefit available u/s 80D
  • 11. BUILDING THE FOUNDATION  How many of you have life insurance policies?  How many of you think you are sufficiently covered?  The Insurance 3 steps covering process: • Liability Protection – Risk Product • Expense Protection – Risk Product • Goal Protection – Risk & Savings Product
  • 12. BUILDING THE FOUNDATION Age 35 / Dependent 65 – Expense Protection Monthly Expenses Insurance Required @ 10% 25000 55.34L 50000 110.69L 100000 221.38L Age 35 / Dependent 75 – Expense Protection Monthly Expenses Insurance Required @ 10% 25000 63.75L 50000 127.50L 100000 255.00L
  • 13. BUILDING THE FOUNDATION Age Sum Assured Term Endowment Insurance 25 50L 6685 155288 35 50L 10084 215670 45 50L 16685 433522  Term insurance is the best risk mgmt product.  Combination of Term with PPF, give better returns as compared to Endowment Policies.
  • 14. BEGIN WITH THE END GOAL IN MIND
  • 17. SMART – FINANCIAL GOALS • SPECIFIC • MEASURABLE • ACTIONABLE • RELEVANT • TIME BOUND
  • 18. SMART – FINANCIAL GOALS Goal Amount Required (Today’s Value) No of years Education 25 lakhs 15 Goal Value in Future Education 60 lakhs Return Monthly Savings Required Investment Type 8% 17000 No Risk 10% 14500 Low Risk 12% 12000 High Risk 15% 9000 High Risk
  • 19. GOLDEN RULES OF INVESTING - DISCIPLINE Current Age 30 45 Retirement Age 60 60 Life Expectancy 75 75 Monthly Expenses Required 35000 35000 Retirement Corpus Rs. 3.37 Cr 1.40 Cr Monthly Savings 14921 33955
  • 21. SETTING YOUR PRIORITIES RIGHT Current Inflated Monthly Goal Year Value Returns Value Savings House 2017 2,500,000 8% 3,345,564 45,532 Car 2015 750,000 8% 893,262 22,037 Graduation 2027 1,500,000 10% 3,594,837 8,673 Post Graduation 2030 2,000,000 10% 5,708,678 9,506
  • 22. MAKING INVESTMENT DECISIONS • Risk • Return • Liquidity Savings • Taxability Goals • Time Horizon
  • 23. SETTING YOUR PRIORITIES RIGHT Product Time Risk Expected Liquidit Taxation Type Horizon Returns y Liquid MF 15 days – Low 6-9% High Better then FDs / SB 3 mths Debt MF 3 mths – 3 Low 8-10% High Better then FDs / SB years Equity MF 5 years + High 12-15% High Tax Free after 12 mths PPF 15 years Low 8% Low Tax Free Corporate 12 mths – Low 9-11% Low As per slab FDs (AAA) 3 years
  • 24. RECAP • Stronger the Foundation, Better Prepared your are for risk • Goals help us choose better, avoid bad products • Prioritizing helps in better execution • Choosing the right asset classes, is not only about returns • Don’t wait for perfection, start now
  • 25. RECAP Step Need Action Building a strong Ensuring Risk Protection Term Insurance, Health foundation Insurance Beginning with an end in Goals – Education Term + PPF, Term + MF, Mind ULIP Beginning with an end in Goals – Retirement PPF / MF Mind Short Term Goals Low Risk Debt Funds / FDs Long Term Goals Low Risk Debt Funds / PPF / Bonds / Tax Free Bonds Long Term Goals High Risk Equity Mutual Funds / Shares
  • 26. NEED FOR A PROFESSIONAL ADVISOR
  • 27. Need for Professional Advice • Lack of time • Lack of competency • Plethora of products • Agents oriented towards selling products • Motivation – Advisors add value
  • 28. THANK YOU INTERNATIONAL MONEY MATTERS PVT. LTD. www.immpl.com