1. Personal Financial Engineering A presentation to the Officers and Staff of INS Agrani

2. Finerva 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

3. A Need Analysis Preferred investment modes Insurance – Endowment Post Office Deposits Provident fund Pension Planning: Only a few (7/19) Children’s Plans: From PF & Deposits (9/19) Risk Rating :Medium – 8, Low & No Risk – 11 Loans : Low (5/19) Highest- 4,60,000. Lowest 6,000 Average Age :33.6 years Average Years to Retirement: 6.8 years Average savings per year :Rs35,000/- Salary is the only source of income Most cases

5. Only doctors make a lot of money

6. Sale! Sale! I buy always when there is a sale

7. I will never understand how investing works

8. They have a big house, they must be rich…

9. There is not enough money for everyone to be rich

10. People who make mistakes are stupid

11. Fixed deposits are safer than stocks

12. I will never be rich…

13. Investing in stocks is gambling.

15. RETURNS FROM VARIOUS ASSET CLASS

16. Sensex Returns since 1979 BEST RETURN 1 YEAR HOLDING PERIOD BEST RETURN 5 YEAR HOLDING PERIOD +90% +44% WORST RETURN WORST RETURN -26% -1% +32% +12%

17. Myth Number TWO Iwill get pension when I retire. I don’t need retirement planning. Expenses at the time of retirement Skill set for retirement

18. Myth number THREE Insurance is very costly. Term Plans are not Ensure your dreams for loved ones become reality

19. Inflation means Rs 10,000 would be…

20. Myth Number FOUR Gold jewels are an investment Cost of procurement, cost of disposal Growth in value only covers inflation

21. Myth Number FIVE My house and vehicles are my assets Cash flow diagram & explanation How they can be assets

22. Cash flow diagram

23. Myth Number SIX To become a crorepathi is difficult Possible with small amounts invested regularly also, if you start early. Returns chart & savings amount

24. 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

25. Four Types of People Businessman Employed Investor Employed Self Employed

26. Kaun banega Crorepati ???

27. Aap Bhi ban sakthe hain And Finerva is always here to help you…