FINERVA TM FINERVA FINANCIAL SOLUTIONS PVT LTD Personal Financial Engineering A presentation to the Officers and Staff of INS Agrani FINERVA
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FINERVA FINANCIAL SOLUTIONS PVT LTD
Personal Financial Engineering
A presentation to the Officers and Staff of INS Agrani
FINERVA
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Experts in Personal Financial Engineering
Our Mission• Dedicated to educate and support individuals in
achieving financial freedom
Our Values• Committed to build long term trust with our clients and
providing sustained thrust to their wealth creation
Our Background• Over ten years in training and practicing financial
planning
• Wide experience in different industry sectors
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INS Agrani- A Need Analysis
Preferred investment modes Insurance – EndowmentPost Office DepositsProvident fund
Pension Planning Only a few (7/19)Children’s Plans From PF & Deposits (9/19)Risk Rating Medium – 8, Low & No Risk – 11Loans Low (5/19) Highest- 4,60,000. Lowest 6,000Average Age 33.6 yearsAverage Years to Retirement 6.8 yearsAverage savings per year Rs35,000/-Salary is the only source of income Most cases
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Kya aap bhi ye sochte hain? kiSafest option in life is to get a secure job and stay there alwaysOnly doctors make a lot of moneySale! Sale! I buy always when there is a saleI will never understand how investing worksThey have a big house, they must be rich…There is not enough money for everyone to be richPeople who make mistakes are stupidFixed deposits are safer than stocksI will never be rich…Investing in stocks is gambling. Only crooks become crorepathis
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The way forward…
Achieve Financial Freedom Financial Freedom is the
state of your personal life in which irrespective of whether you are working or not, you and your family is stable financially.
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Myths in Financial Management
Any investment with an element
of risk is bad• Factors to be considered while investing
• Returns
• Liquidity
• Safety
• Taxation
• Stock market returns over a period of time
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RETURNS FROM VARIOUS ASSET CLASS
0
2
4
6
8
10
12
14
16
18
EQUITY DEBT GOLD
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Sensex Returns since 1979
WORST RETURN
BEST RETURN
1 YEARHOLDINGPERIOD
WORST RETURN
BEST RETURN
5 YEARHOLDIN
G PERIOD
10 YEAR
HOLDING
PERIOD
BEST RETURN
WORST RETURN
+90% +44%
+32%
-26% -1%
+12%
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Myth Number TWO
I will get pension when I retire.
I don’t need retirement planning.
• Expenses at the time of retirement
• Skill set for retirement
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Myth number THREE
Insurance is very costly.
• Term Plans are not
• Ensure your dreams for loved ones become
reality
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Inflation means Rs 10,000 would be…
25937
67275
174494
0
20000
40000
60000
80000
100000
120000
140000
160000
180000
10 20 30
10%
8%
6%
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Myth Number FOUR
Gold jewels are an investment
• Cost of procurement, cost of disposal
• Growth in value only covers inflation
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Myth Number FIVE
My house and vehicles are my
assets
• Cash flow diagram & explanation
• How they can be assets
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Cash flow diagram
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Myth Number SIX
To become a crorepathi is difficult
• Possible with small amounts invested regularly
also, if you start early.
• Returns chart & savings amount
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Myth Number SEVEN
Salary has to be my main source of
income.
• Types of People – 4
• Be an Investor / Businessman
• Leverage OPM, OPT
• Leverage Technology
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Four Types of People
Employed
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Kaun banega Crorepati ???
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Aap Bhi ban sakthe hain
And Finerva is always here to help you…
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FINERVA FINANCIAL SOLUTIONS PVT LTD
Questions ?
Thank you !!!