Understanding Personal Finance by Tarrakki

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Understanding Personal Financewww.tarrakki.com
Disclaimer This presentation is for educational
purposes only. Opinions or points of view
expressed in this presentation represent the view
of the presenter, and does not necessarily
represent the official position or policies of
the Plutonomic Savtech P Ltd. Nothing in this
presentation constitutes investment advice. The
individuals and returns appearing in this
presentation, if any, are depicted for
illustrative purposes only.
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What is Financial Planning ?
Financial Planning is a long-term process of
wisely managing your finances so you can achieve
your goals, while at the same time negotiating
the financial barriers that inevitably arise in
every stage of life.
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Financial Planning Process
Benefits of Financial Planning

• Planning for your goals and achieving them
• Assessing your risk profile
• Developing an appropriate asset allocation
• Providing direction and meaning to all financial
  decisions

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Types Of Asset ClassThere are several asset
classes available to investors. Here are a few
well known..
Direct Equities
Mutual Funds
Return
Bank Savings A/C
Bank Savings A/C
Bank Savings A/C
NPS and PPF
Bank Fixed Deposit
Bank Savings A/C
Risk
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Exercise

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Important aspect of Financial Planning
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While Investing..
Dont
Do

• Invest in products with high expense ratios
• Invest based on historical returns
• Invest based on tips from friends, colleagues,
  family
• Part time trading
• Time the market

• Invest in line with your risk appetite
• Select assets based on your investment horizon
• Use goal based investing and financial planning
  techniques
• Seek professional advice before taking direct
  equity exposure
• Start as early as possible and stay disciplined

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Cost of Delaying Investment

• The money available at the present time is worth
  more than the same amount in the future
• The later you start investing, lesser is the
  return in long term
• Cost of delayed investment uses time value of
  money to determine returns

Particulars Rahul Shreyas Rohit
Time Now T 5 Years T 10 Years
Term 35 years 30 years 25 years
Monthly investment amount ?500 ?500 ?500
Amount on maturity ?32,15,479 ?17,42,482 ?9,39,423
Cost of delaying ?14,67,998 ?22,76,056
Note Rate of return is 12
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Step up your investments!!
Scenario 1 Scenario 2
? 500 for 1st five years ? 500 for 1st five years
? 500 for 6th to 10th year ? 1,000 for 6th to 10th year
? 500 for 11th to 15th year ? 1,500 for 11th to 15th year
? 500 for 16th to 20th year ? 2,000 for 16th to 20th year
? 500 for 21st to 25th year ? 2,500 for 21st to 15th year
? 500 for 26th to 30th year ? 3,000 for 26th to 30th year
? 17,42,482 at the end of 30th year ? 35,87,177 at the end of 30th year
Note Here, the assumed rate of return is 12
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Goal Based Planning
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Goal Based Planning ..continued
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Goal Based Planning ..continued
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Goal Based Planning ..continued
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Explore Fund Details
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