Diese Präsentation wurde erfolgreich gemeldet.
Die SlideShare-Präsentation wird heruntergeladen. ×

Personal Finance for Barcampers

Anzeige
Anzeige
Anzeige
Anzeige
Anzeige
Anzeige
Anzeige
Anzeige
Anzeige
Anzeige
Anzeige
Anzeige
Nächste SlideShare
Currency Trading
Currency Trading
Wird geladen in …3
×

Hier ansehen

1 von 12 Anzeige

Weitere Verwandte Inhalte

Ähnlich wie Personal Finance for Barcampers (20)

Anzeige

Aktuellste (20)

Personal Finance for Barcampers

  1. 1. PERSONAL FINANCE FOR BARCAMPERS BarCamp Delhi October 25th, 2009 Monday 26 October 2009 1
  2. 2. MAKE IT AND BURN IT • what is your monthly income? • what are your fixed costs (e.g. rent, car payment, mortgage, etc.)? • what are your variable costs (e.g. eating out, telecommunications, etc.)? • how much are you burning? • how much is left over every month? Monday 26 October 2009 2
  3. 3. START NOW!! • make a simple spreadsheet of monthly expenses and track it • no income or expense is too large or small to track • start by understanding where your money is and where it is going • take steps to pull out a certain percentage of income every month for investing - 1%, 5%, 10%, 20% - whatever you can start with Monday 26 October 2009 3
  4. 4. DON’T SAVE - INVEST • savings accounts paying interest • fixed deposits (certificates of deposit) • pension plans • government bonds (short-term and long-term) • life insurance • health insurance • annuities • stocks/shares and mutual funds • commodities - gold/silver/platinum • derivatives - options/futures • currencies (FX/FOREX) • real estate Monday 26 October 2009 4
  5. 5. THE STOCK MARKET • it’s liquid, real-estate isn’t • much more transparent than other investments • your options: • self invest by picking stocks • go on auto-pilot by picking mutual funds Monday 26 October 2009 5
  6. 6. ! Monday 26 October 2009 6
  7. 7. ! Monday 26 October 2009 7
  8. 8. Returns of Stocks & Mutual Funds Over 30 Years ₨300,000 ₨270,000 ₨240,000 ₨210,000 ₨180,000 ₨150,000 ₨120,000 ₨90,000 ₨60,000 ₨30,000 Mutual FundStocks ₨0 Mutual Fund Stocks Mutual Fund Stocks Mutual Fund Stocks 2009 2019 2029 2039 Mutual Fund Stocks Monday 26 October 2009 8
  9. 9. Mutual Fund Stock ! 300,000 270,000 240,000 210,000 180,000 150,000 120,000 90,000 2009 60,000 2019 30,000 2029 0 2039 Monday 26 October 2009 9
  10. 10. CONCLUSIONS? Monday 26 October 2009 10
  11. 11. IMAGES All CC licensed images or purchased stock photos • money by Wen-Yan King - http://www.flickr.com/photos/medapt/ 407745883/ • piggy bank by alancleaver_2000 - http://www.flickr.com/photos/ alancleaver/2638883650/sizes/m/ • start by zhurnaly - http://www.flickr.com/photos/zhurnaly/ 196310475/sizes/m/ Monday 26 October 2009 11
  12. 12. pankaj jain <pjain@teknatus.com> www.teknatus.com Twitter: pjain Blogs: blog.linosx.com / teknatus.com/blog / semblr.com/blog This work is licensed under the Creative Commons Attribution-Noncommercial-Share Alike 3.0 United States License. To view a copy of this license, visit http://creativecommons.org/licenses/by-nc-sa/ 3.0/us/ or send a letter to Creative Commons, 171 Second Street, Suite 300, San Francisco, California, 94105, USA. Monday 26 October 2009 12

×