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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
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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
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Kya aap bhi ye sochte hain? ki
Safest option in life is to get a secure job and stay there always
Only doctors make a lot of money
Sale! Sale! I buy always when there is a sale
I will never understand how investing works
They have a big house, they must be rich…
There is not enough money for everyone to be rich
People who make mistakes are stupid
Fixed deposits are safer than stocks
I 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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Sensex Returns since 1979
WORST RETURN
BEST RETURN
1 YEAR
HOLDING
PERIOD
WORST RETURN
BEST RETURN
5 YEAR
HOLDING
PERIOD
10 YEAR
HOLDING
PERIOD
BEST RETURN
WORST RETURN
+90% +44%
+32%
-26% -1%
+12%
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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
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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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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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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
