Ins Agrani Workshop

Finerva- Finerva Financial Solutions Pvt Ltd

Personal Financial Engineering

A presentation to the Officers and Staff of INS

Agrani

FinervaExperts in Personal Financial Engineering

Our Mission• Finerva is a professional group dedicated to educate

and support individuals in achieving financial freedom

Our Values• Commitment to build long term trust with our clients

and sustained thrust to their wealth creation

Our Background• Over ten years in training and practicing financial

planning

• Wide experience in different industry sectors

FinervaINS Agrani- A Need Analysis

Preferred investment modes Insurance – Endowment

Post 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

FinervaKya aap bhi ye sochte hain? ki

Safest 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

FinervaMyths 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

FinervaRETURNS FROM VARIOUS ASSET CLASS

0

2

4

6

8

10

12

14

16

18

EQUITY DEBT GOLD

Finerva 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%

FinervaMyth 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

FinervaInflation 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%

FinervaMyth Number THREE

Gold jewels are an investment

• Cost of procurement, cost of disposal

• Growth in value only covers inflation

FinervaMyth Number FOUR

My house and vehicles are my

assets

• Cash flow diagram & explanation

• How they can be assets

FinervaCash flow diagram

FinervaMyth Number SEVEN

To become a crorepathi is difficult

• Possible with small amounts invested regularly

also, if you start early.

• Returns chart & savings amount

FinervaMyth Number SIX

Salary has to be my main source of

income.

• Types of People – 4

• Be an Investor / Businessman

• Leverage OPM, OPT

• Leverage Technology

FinervaFour Types of People

Employed

Finerva

Kaun banega Crorepati ???

Finerva

Aap Bhi ban sakthe hain

And Finerva is always here to help you…

Finerva- Finerva Financial Solutions Pvt Ltd

Questions ?

Thank you !!!