1. Building a Wealthy Tomorrow!

2. Financial Planning!
Why Financial Planning?

3. What is Financial Planning?
Financial planning is the process of identifying your life’s goals;
translating these identified goals into financial goals & managing your finances in ways that will help you achieve those goals.

4. Various Financial Goals Could Be!

5. How Do We Achieve These Goals!

6. How Do We Achieve These Goals!

7. Helping Hands!
Your savings & investments can be your helping hands to achieve these goals!
If done wisely & timely!

8. Savings Vs Investment!

9. Where Do Our Savings Usually Go!

10. Two Broad Asset Classes in Financial Assets!

11. Impact of Inflation

12. Performance of Various Asset Classes

13. Difference Matters!

14. Challenges in Investing Directly in Capital Market
Time
Expertise
Lack of Information
Portfolio
Volatility

16. Working of Mutual Fund Investor Returns Pool of Funds Fund Manager
Portfolio

17. Advantages of Mutual Fund
Professional Management
Choice of schemes
Flexibility
Diversification
Transparency
Well regulated
Convenient Administration
Liquidity
Tax benefits
Return
Low cost
potential

18. Types of Mutual Fund Types of mutual fund By Constituent
By Investment Objectives
Close ended
Open ended
Interval
Equity
Debt
Cash fund

19. Types of Funds High Risk Low Risk Sector Funds Thematic Funds
•Diversification within the sector
•Risk according to sector
Thematic Funds
•Diversification according to theme of the fund
•Risk according to the theme
Diversified Equity Funds
•Investment in all types of equity classes
Index Funds
•Passive Funds
•Try to track a particular index
Hybrid Funds
•Combination of Equity and Debt
•Different asset allocation according to objective
Debt Funds
•Investment in all types of Debt Securities
•Default and Interest Rate risk
Gilt Funds
•Investment in Govt. Securities
•No Default Risk
Low Risk
Liquid Funds
•Investment in Money Market Securities
•High liquidity - low return - least risky

20. How Fund Managers Have Beaten The Charts
Use The Experience of Fund Managers To Earn More!

21. Easy Way : Start Early & Maintain Discipline

22. Common Investment Myths...Busted !!
I don’t have enough money to invest
Minimum amount required for an SIP is as low as Rs. 500
I don’t have time The Auto Debit System for paying instalments will save your money
and energy
I don’t follow the market. Have heard markets are very volatile
Time in the market is important and not timing the market
Myth 1
Myth 3
Myth 5
Myth 2
Myth 4
Myth 6
I am too busy to worry about managing my investments Professional Fund Managers will manage your money
I am not an expert Along with the investor awareness programs
organized by regulatory body AMFI and AMCs, there is always a Financial Advisor a step away to guide you
I have already invested in FDs and I am safe
FDs have high lock-in periods, and are tax inefficient...

23. Ease of Investing SIP STP SWP SIP STP SWP
In Systematic Investment Plan, a fixed sum of money is debited from one’s bank account at a predefined frequency (weekly, bi- monthly, monthly etc.) and invested in a mutual fund
SIP
Bank
Mutual Fund
STP
In Systematic Transfer Plan, a fixed sum of money is transferred from source mutual fund (where the amount is already invested upfront) to target mutual fund at predefined frequency on a specified date
Source Scheme
Target Scheme
SWP
In Systematic Withdrawal Plan, a fixed sum of money is withdrawn from one’s mutual fund statement at a predefined frequency (normally monthly)
Mutual Fund
Bank
SIP
Rupee cost averaging
Compounding
Allows regular investment
STP
Rupee cost averaging in rising market
Helps in retirement planning
SWP
Works well in both rising and falling market conditions
Helps in portfolio rebalancing
Advantages

24. Power of compounding Rupee cost
Benefit of SIP
It allows you to invest a fixed amount at regular intervals for a specified period which helps in long term wealth creation The longer one remains invested the better is the potential for returns The average investment cost comes down because investor passes through all phases of the market Hassle-free mode of investment as amount gets debited automatically with ECS instructions Transaction cost for investment via SIP is far lower compared with investing directly in equities
Discipline
Power of compounding Rupee cost
averaging
Convenience Lower
transaction
SIP

25. Equity Linked Saving Schemes (ELSS) advantage
Key Benefits
Smart two in one investment 3 Years lock in period
Tax deduction u/s 80-C Tax free dividends & returns
High return potential Well diversified portfolio

26. Mutual Fund : Good on Tax Too!

27. Questions if Any?

28. See you Again! MENTOR WEALTH CONSULTANTS PVT. LTD.
807, Wave Silver Tower, Plot No: D-6 Sector-18,
(Near Sector 18 Metro Station) Noida , Gautam Buddha Nagar, U.P.
Phone: , Website: