3. We welcome you to a place where
your financial worries fade off.

4.  Each one of us have different relationships in
Life. Our Relationship with money is no
different. It has some value, emotions and in
the absence of money all other relations go
wrong.
 However wealthy we are , we always wish to
create more wealth at all points of life. That
is why we all are here today.

5.  Money has no substitute. Earlier , there used
to be barter system in which exchange of
goods and commodities used to take place.
 Money has no Religion....Rs.1000 note with
rickshaw puller has same value as with a
businessman

6. TIME OR MONEY?

7.  If it is Time, Then at the end of this
presentation give me some Money which you
can earn again.
 If it is Money, Then You are Happy giving me
your Time which will never come back in this
Lifetime.
Here, most of us are not ready to part with
their money but ready to part with their
time.

8. Now , we have to establish a
relationship between Money and
Time. If this relationship is
established well, one will be
successful in Creating WEALTH!!

9. START EARLY
DON’T PROCRASTINATE (DELAY)

10. • Time allows you to take risks : Those who
begin to invest late in life are often
inherently more cautious with how they
invest their money.
• Be a step ahead of everyone else : “The
early bird catches the worm” is an idiom
worth adhering to. The earlier you begin
investing, the better your personal financial
situation will be down the line.

11. 1.33
Crores*
5.71
Crores*
40 years25 years 60 years
Ram Shyam
Investment Starting
Age
25 40
Investment - Monthly
SIP
Rs.5,000/- Rs.10,000/
Saving Years till age 60 35 years 20 years
Total Investment Made Rs.21 lacs Rs.24 lacs
Starting Early
Give time to your investments
rather than timing
* Constant Savings
Note: The above figures are for illustrative purpose only. Assuming ROI is 15%.

12. •Compound interest
makes a BIG
difference: Essentially,
compound interest is
the interest earned on
interest. By
continuously reinvesting
your earnings, you are
exponentially increasing
your return on
investment.

13.  Wealth will not be
created overnight. For
example: A seed grows
into a Tree in around
25 years. Similarly, if
we sow the seed of our
investments now and
keep watering it
regularly(discipline in
investments), it will
grow into a big tree at
the time of your goal.

14. SEED /
INVESTMENT
WATER,
MANURE,
NURTURE /
TIME
TREE /
WEALTH

15. Becoming Wealthy is not a matter of
How much you earn,
Who your parents are, or
What you do,
It is a Matter of Managing your Money
Properly

16.  “The minute we need a thing , we begin
paying for it whether we buy it or not."
 For example: If there is a need to visit
Dentist and you delay it thinking that the
problem will solve on its own, you might
have to pay more for the treatment in the
years to come.

17.  Assuming that, for retirement corpus, one
needs to do SIP of Rs. 5000 pm for 30 years.
Even if there is a delay of 3 years in doing so,
one will lose Rs. 97 Lacs (assuming 15%
returns).
 Another Perspective of the same Situation: If
you delay your investment, then you would
lose Rs. 17 Lakhs in today’s worth of money.

18. Stay away from short
cuts to wealth such
as gambling or get
rich quick schemes.
The chances of losing
or getting frustrated
are much higher than
success. You just end
up throwing your
money away.

19. Generally the
focus is on
selecting
products rather
than starting off
with your
investments.
Change this to
see the
change.

21. EARNINGS - EXPENSES =
SAVINGS
Which also means that if anything is left after
expenses, that will be saved . Most of the time
income seemed to have evaporated by the end
of the month.

22.  If you change this equation a little bit, it can
change your Financial Life as well:
EARNINGS - SAVINGS=
EXPENSES
 First Save and then Spend.

24.  You can make a small notebook every month or
use a spreadsheet for the same or now a days
there are lot of Mobile apps which help you
track your expenses on daily basis .
 Categorize your expenses under areas such as
Home loan EMI, Car payment, Electricity bill,
Gocery, Entertainment, Kids and other expense
categories. This way you can keep track of how
much is spent on each category and develop a
budget plan.

26.  Creating a budget can be a frustrating task.
Staying on budget can be even harder.
Once you've created your budget, it's
important to stick to it. Prioritize your
expenses and keep a watch on your
spending.
 Living without a budget is similar to
travelling across the country without a
roadmap. While both can be accomplished,
the result is usually expensive and wasteful.

28.  Start with a disciplined investment where
outgo has to be there every month on a pre
specified date and structure should be such
that payment has to made compulsorily.
 No easy exit option before the goal arrives.
 There should be a kind of Forced saving
because if you promise to save for a
particular goal you fail to do so.

29.  The rule to remember is if you can't pay it
with cash, you can't afford it.
 Buy what you need, not what you want. If
you can't afford it, don't buy it.
 If you Buy what you don’t need, one day will
come when you will have to sell things you
Need.

31.  Set your goal, make your plans and
preparations, and be ready to adapt when
circumstances demand it.
 Remember that the goal is to reach the
destination you’ve chosen, not necessarily to
follow the exact plan you’ve laid out.
 If you give the required time to fulfil your
goals, your goals will follow you.

32. Your LEGACY
(Estate Planning)
Your DREAMS
(savings, home ownership,
retirement, Education/marriage
planning)
Your RISKS
(Health cover, life cover, Emergency fund)

33.  Life cover
 Health cover
 Emergency fund

34.  A Goal is an aspiration one wants to achieve.

36.  Estate planning is the process by which an
individual or family arranges the transfer of
assets in anticipation of death.
 An estate plan aims to preserve the
maximum amount of wealth possible for the
intended beneficiaries and flexibility for the
individual prior to death

38.  Set your goal, make your plans and
preparations, and be ready to adapt when
circumstances demand it.
 Remember that the goal is to reach the
destination you’ve chosen, not necessarily to
follow the exact plan you’ve laid out.
 If you give the required time to fulfil your
goals, your goals will follow you.

40.  As a part of Corporate Social responsibilty,
Hareepatti provides Free Consultancy Service
to the Family of Deceased with regards to
Insurance Claim, Nomination Change,
Transfer of Funds, Surrender , Clearing
assignments etc.
 Till date, we have approached 300 families
through sms/ mail/letters and out of which
we have served 8 families.