What’s Financial Planning?? Financial Planning is the process of successfully meeting the financial needs & aspirations of Life through the proper management of finances. Its your road-map to Financial Health & sustainable wealth creation.

Why Do We Need Financial Planning?? Life without Financial Planning is like an unplanned Vacation - A Complete Disaster!! If we wish to achieve all our Financial Goals successfully & peacefully, planning your finances is a must do

Who Needs Financial Planning?? It’s a myth that only the Wealthy need Financial Planning Whatever may be your level of Income or assets you need financial planning Kings becoming paupers overnight is a reality of our world...not mere stories…

Ok, So How do I go About it? Step 1: Take stock of you Current Status. Sum up your cost of living, Net saving available for investment, Current Assets, Investments, Tax, Liabilities, Loans… Step 2: Priorities your Financial Goals. Be specific about the money you need for each Goal and the time horizon you have set for each.

Financial Goals..? Basic Mandatory Goals & Optional Goals Basic Mandatory Goals like Higher Studies, Childs future, Purchase of House, Vehicle, Retirement Pension, Tax. Optional Goals like a 2 nd House, Luxury Items, Vacation abroad, Estate Planning, Wealth Creation, Financial Freedom

Ok, Now What Next?? Just Thinking & Gauging will Not help. Put it all down on you paper & work out a Clear time horizon for each goal.

Financial Sector is clearly Sunrise. Look at these Statistics  India’s population (+) 120 crores  Less than 5% have bank accounts  Less than 2% have Insurance  Less than 1% have Mutual Funds  Less than 0.5% have equity

1980 – 2011 CUMULATIVE ANNUALISED RETURNS ( )

S.I.P Why Start Early? Start Investing through at age Monthly Investment Stop Investing at age Total Investment Your Savings Growing To * Assumes compounded annual returns of 12% over the entire period Difference in returns is almost Rs. 82 lakhs! (Investment amount difference is just Rs. 3 lakhs) /- 60 Rs.18LacsRs.15Lacs Rs. 1,76,49,569 Rs. 94,88,176

Start Early Start Investing through SIP route at age Monthly Investment (Rs.) Stop Investing at age Total Investment Your savings grow to* , Rs. 21 lacs Rs. 12 lacs Rs. 3,24,76,345 Rs. 49,95,740 * Assumes compounded annual returns of 12% over the entire period Difference in returns is almost Rs crores! (Investment amount difference is just Rs. 9 lakhs)

So click & send your financial worries to the experts at & let them do what they are best at While you go & relax