1. Welcome to
A PRESENTATION ON
‘ “FINANCIAL PLANNING”‘ “FINANCIAL PLANNING”
By
VIPUL BANE

2. Why Are We Here Today?
To Help YOU
Plan your future better.
Set your financial goals/priorities
Understand your Risk Profile.Understand your Risk Profile.
Secure your family against uncertainties in Life.
Achieve your Financial goals in the most efficient
manner.
Take informed decisions regarding your
investments & Financial Future.

3. What is Financial Planning?
Why Financial Planning?
How can we do Financial Planning?
Brief Introduction about
Agenda
How do we get Started?
No one ever plans to fail, but many fail to plan
Brief Introduction about

4. Definition of Financial Planning
It is a process of attempting to take a client from
his/her current (Financial)position to a preferred
(Financial)position at a future point in time.
X
Y
(Current Age)
(Age at Death)

5. Different ways of Financial Planning
Spend
Income
This is the situation
Most households
remain in.
More often than Not
Save
Financial Failure
More often than Not
this results into
Financial Failure
over the Long-Term

6. Spend
Income
Savings take care of your
accumulation
& hence takes care of expenses
Different ways of Financial Planning
Save
Invest
Financial Independence
& hence takes care of expenses
while
Investments take care of
long-term Financial goals.
What happens when you are
Hit by 3Ds?
( Death/Disability/Disease)

7. The IdealWay of Financial Planning
Spend
Income
Your Protection A/C
In case you are hit by 3D’s
- you protect your assets
Your Investment A/CSave
Invest
Financial Freedom
Your Investment A/C
This remains separate from your
protection A/C to ensure that your
money grows even if you are
hit by the 3D’s.
A Unique combination
of Protection & Investments.

8. Why Financial Planning ?
Inflation
Cost of Education /
Medical increasing
exponentially
Rising Life expectancy
estimated to increase
from 72 to 85 by 2020.
Financial Planning
Protection of family
Protection against the
uncertainty
Balanced Asset
Allocation
Investment and Protection

9. Time Horizon in Financial Planning
Short Term: 0 to 3 yrs.
Medium Term:3 to 10 yrs.Medium Term:3 to 10 yrs.
Long Term:10 yrs & beyond ………………

10. Retirement Planning
Taking care of your long retirement years
Family Protection
To ensure that the financial loss to the family is
negated, in case something unfortunate befalls.Egg :Define &
Prioritize Goals LT
Priorities in Financial Planning
negated, in case something unfortunate befalls
Prioritize Goals LT
Goals
Children’s Higher Education
Matching the increasing educational expenses &
protecting against any uncertainty.
Asset Creation
Creation of physical and financial assets

11. Why do Most People Fail to achieve
their LT Financial Goals?
Most People assume that they can manage their
Future & hence don’t need external assistance.
They keep Postponing- I will start tomorrow but
tomorrow never comes.(or comes too late)tomorrow never comes.(or comes too late)
Lack of financial discipline to achieve Financial
objectives.
Lack of Prioritizing their goals.
Save but fail to invest in the right way.

12. Significance of Asset Allocation
Most Important factor for
successful Financial Planning
is
Asset Allocation
Brinson, Hood and Bee bower : Determinants of Portfolio Performance, 1986,
1991: “Asset Allocation helps explain over 94% of a portfolio’s performance”.
(94% contribution)

13. Debt-Equity Allocation
To achieve the right asset mix, one must consider
the following factors :
Investment objective
Current Age
Stage of Lifecycle
Time Horizon
Past Investment Experience
Risk Appetite/Behavior
Returns Expected

14. Cost of Delaying would be High.
1400
1600
1800
2000
Power of Compounding ( 8th Wonder of the World)
0
200
400
600
800
1000
1200
A B Saving
Retirement kittySaves from Saves from
25 to 35 35 to 60

15. Benefits of Start Early i.e. Today?
Its never too early to start for LT Objectives.
Compulsory investment & not just saving.
The sooner you begin the better your chance ofThe sooner you begin the better your chance of
having a secure & stress free Retired Life.
The higher the term the higher the compounding
& Tax- deferred growth.
Financial Security & Financial Freedom for Life.

16. How to do your Financial Planning
Define & prioritize
your goals
1.Set Goals
Project income,
expenses &
investments
2.Current
Status & Gap
Analysis
4 STEP PROCESS
Risk Appetite and
Protection needs
3.Investment
and Insurance
Changing
Lifestyle,
changing
Financial Goals
4.Create &
Monitor
Savings Plan
Analysis

17. Integrated
Protection
Integrated Financial
Retirement
Children’s Education
Asset creation
Family Protection
Your Integrated Financial Planning
Disposable
Income
LT GOALS
Integrated
Savings
Investment
Integrated Financial
Planning
Family Protection
Protection against
disability
Protection against
Dreaded diseases
Various investment
options to create wealth

18. Important Points.
Provision for Emergency funds.
Investment should as per your Risk-Profile &
should meet Financial Objectives.
Investment Portfolio should generate returns
higher than the Inflation rate
Make it
Easy!
higher than the Inflation rate
Tax implications & Liquidity Options.
Protection against the 3 D’s of Life.
Don’t try to Time the Market instead Spend
Time in the Market.

19. Tax Provisions (F.Y. -2011-12)
u/s 80 C- Limit Rs. 1 Lac
(Housing Loan Principal, ELSS Mutual funds,
Premium on Life Insurance & Annuities, PF,Premium on Life Insurance & Annuities, PF,
NSC, Bank FDs with Locking period of 5 yrs,
Children’s Tuition fees up to Rs.10,000).
u/s 80 CCF- Limit Rs 20,000 ( Infra Bonds)
u/s 80 D- Limit Rs. 15,000 ( Medi-claim).

20. Tax Provisions (F.Y. - 2012-13)
DTC with effect from April 2012.
Exempt-Exempt-Exempt up to Rs.1 Lac for
Govt. Pension ; PPF; Recognized PFs; Pension
schemes(PFRDA approved);Pure Life Insurance &schemes(PFRDA approved);Pure Life Insurance &
Annuities.
An additional deduction of Rs. 50,000 has been
proposed to cover other Life Insurance premium,
tuition fees & Health Cover which are currently u/s
80 Tax Provisions.

21. Next Steps
Seek appointment with us to understand your
individual needs & achieve your financial goals.
Seek free guidance on how to allocate your
savings.
Get Customized solutions as per your need &Get Customized solutions as per your need &
budget.
All this with No obligation /commitment whatsoever
from your end to purchase any of our solutions.
So Call us Now & provide with an opportunity
to Help You.

22. A One Stop Shop for all your Financial Planning Needs.
WE
Specialize in Corporate Help-Desk services.
Provide all Investment & Secured Loan Products of
all Major Brands.all Major Brands.
Provide Unbiased & Fair Advice to Help you Save
& Invest in a purposeful & Need-Based Manner.
Suggest suitable products and provides
customized solutions as per your Needs & budget.
Maintain Integrity in Sales & Excellence in
services.

23. Services offered by Us for
Privileged Corporate Employees.
Free, Unbiased & Fair Advice to Help you Save &
Invest in a purposeful & Need-Based Manner.
Free & Fair Advice on Right Asset Allocation,
through suitable Investment, Insurance & other
tax-efficient saving avenues.tax-efficient saving avenues.
Financial Planning (Goal based/ Comprehensive)
- Fee based or Commission based.
Secured Loans at most competitive rates.
ITR filing for Salaried People (for existing clients)
Help-Desk Services for the above services on an
Ongoing basis.

24. VIPUL BANE
BSc., MBA, AFP ,IRDA & AMFI Certified.
10 yrs + of Experience in the Financial Services
Cell : 9819313236
E-mail: adyanta.financial@rediffmail.com
Face book Profile : Vipul Bane / Adana FC

25. THANK YOU
Wish You & Your Family
A Financially Secure Future with Complete
FINANCIAL FREEDOM.