Description
The presentation describes the strategies followed by people while planning their finances. Strategies are Very Aggressive, aggressive, moderate, conservative etc.
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Very aggressive --- People whose goals are difficult to achieve on their basis of their present Cash flows. Aggressive --- People whose goals can be achieved through aggressive investment strategies. Moderate --- Future goals achievable with calculated risk. Conservative--- Present Cash flows can meet their future goals without taking undue risk.
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Risk Appetite --- based on the score obtained. Under-insured --- “KILB”
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„Age is just a number……hugh hefner?
Asset Allocation
Tax Planning
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1. Relook into Target Goals 2. Budgeting – Reducing Expenses - Maintaining cash flows 3. Investment Planning JAGRA TI S-14
High
VIRAJ S25 1. Focus - Creation of Wealth 2. Higher Risk can be taken 3. Asset Re-allocation
Low
Scenarios
1. Never invested in shares before 2. Paying high tax
Problems
Ignorance
Possible solutions
Equity
-Improper Tax Planning Shift from Debt to Tax -No planning regarding saving ELSS MF Sec. 80C Unable to meet goals Proper balance of Debt(Loans) and Equity (Cash) to achieve goals. Derivatives-regulate ideal Money left in Bank. Need to take more Insurance cover.
3. Irregular arrangements of goals 4. Ready to invest in risky assets- High Risk Tolerance 5. Under Covered
No knowledge regarding Wealth Creation Impediments towards higher risk taking capabilities
Scenarios
1. Never invested in shares 2. Low on Savings 3. Very High goals
Problems
Ignorance Very high expenses Unable to meet goals
Possible solutions
Asset Allocation to Equity Current Budgeting -Need to cut down Expenses a. Proper balance of Debt(Loans) and Equity (Cash). b. Can take loan against Assets c. Need to Re-organize Goals.
4. Not ready to invest in Low Risk risky assets Tolerance
5. Under Covered Impediments
Can take more Risk in order to achieve the Goals
Need to take more Insurance
SANJEE V S- 22 High Risk Tolerance But Under Covered Expenses need to be decreased to increase savings As in business so there is more prone to have fluctuations in income.
Scenarios/Comments Suggestions/solutions
1.Moderate Investment strategies are sufficient for achieving goals 2. Moderate Goals 3. High risk taking capabilities Maintaining Cash flows
Current Budgeting -Need to cut down Expenses a. Proper balance of Debt(Loans) and Equity (Cash). b. Can take loan against Assets Can take more Risk in order to achieve the Goals Has a huge risk appetite Need to take more Insurance cover. As in business so is prone to fluctuations so should invest in Income fund.
4. Ready to invest in risky assets
5. Under Covered 6. Fluctuations in Income
Age
Marital Status Annual Income Annual Expenses Life Insurance Inflation
30
Married 13.8 L 6.2L 300000 (26000) Extremely Concerned
5. Under Covered
Need to take more Insurance cover.
Moderate Risk Tolerance
Abhi S- 18
High Income Better Saving Willing to Invest In Equity
Very Much Under cover
Aggressive Goal Inappropriate Tax Planning
Scenarios
1. Investment In Shares 3. Very High goals
Problems
Not aware of the Market Behavior Unable to meet goals Through Conservative Approach Inadequate Tax Planning Impediments towards higher risk taking capabilities
Possible solutions
Asset Allocation to Equity with proper time frame a. Proper balance of Debt(Loans) and Equity (Cash) more Equity. b. Can take loan For Better Investment Proper planning is required including 80C ,Infra Bond. Etc.. Need to take more Insurance cover.
4. Tax Planning
5. Under Covered
VIJAY
•Conservative strategies •Moderate goals •High risk taking abilities •Not ready to invest in risky assets •Under covered
Scenarios/Comments Suggestions/solutions
1. Conservative Investment strategies are sufficient for achieving goals 2. Moderate Goals 3. High risk taking capabilities Maintaining Cash flows
Current Budgeting -Need to cut down Expenses a. Proper balance of Debt(Loans) and Equity (Cash). b. Can take loan against Assets c. Need to Re-organize Goals. Can take more Risk in order to achieve the Goals Need to take more Insurance cover.
4. Not ready to invest in risky assets 5. Under Covered
doc_967370539.pptx
The presentation describes the strategies followed by people while planning their finances. Strategies are Very Aggressive, aggressive, moderate, conservative etc.
?
?
?
?
Very aggressive --- People whose goals are difficult to achieve on their basis of their present Cash flows. Aggressive --- People whose goals can be achieved through aggressive investment strategies. Moderate --- Future goals achievable with calculated risk. Conservative--- Present Cash flows can meet their future goals without taking undue risk.
? ?
Risk Appetite --- based on the score obtained. Under-insured --- “KILB”
?
„Age is just a number……hugh hefner?
Asset Allocation
Tax Planning
?
?
1. Relook into Target Goals 2. Budgeting – Reducing Expenses - Maintaining cash flows 3. Investment Planning JAGRA TI S-14
High
VIRAJ S25 1. Focus - Creation of Wealth 2. Higher Risk can be taken 3. Asset Re-allocation
Low
Scenarios
1. Never invested in shares before 2. Paying high tax
Problems
Ignorance
Possible solutions
Equity
-Improper Tax Planning Shift from Debt to Tax -No planning regarding saving ELSS MF Sec. 80C Unable to meet goals Proper balance of Debt(Loans) and Equity (Cash) to achieve goals. Derivatives-regulate ideal Money left in Bank. Need to take more Insurance cover.
3. Irregular arrangements of goals 4. Ready to invest in risky assets- High Risk Tolerance 5. Under Covered
No knowledge regarding Wealth Creation Impediments towards higher risk taking capabilities
Scenarios
1. Never invested in shares 2. Low on Savings 3. Very High goals
Problems
Ignorance Very high expenses Unable to meet goals
Possible solutions
Asset Allocation to Equity Current Budgeting -Need to cut down Expenses a. Proper balance of Debt(Loans) and Equity (Cash). b. Can take loan against Assets c. Need to Re-organize Goals.
4. Not ready to invest in Low Risk risky assets Tolerance
5. Under Covered Impediments
Can take more Risk in order to achieve the Goals
Need to take more Insurance
SANJEE V S- 22 High Risk Tolerance But Under Covered Expenses need to be decreased to increase savings As in business so there is more prone to have fluctuations in income.
Scenarios/Comments Suggestions/solutions
1.Moderate Investment strategies are sufficient for achieving goals 2. Moderate Goals 3. High risk taking capabilities Maintaining Cash flows
Current Budgeting -Need to cut down Expenses a. Proper balance of Debt(Loans) and Equity (Cash). b. Can take loan against Assets Can take more Risk in order to achieve the Goals Has a huge risk appetite Need to take more Insurance cover. As in business so is prone to fluctuations so should invest in Income fund.
4. Ready to invest in risky assets
5. Under Covered 6. Fluctuations in Income
Age
Marital Status Annual Income Annual Expenses Life Insurance Inflation
30
Married 13.8 L 6.2L 300000 (26000) Extremely Concerned
5. Under Covered
Need to take more Insurance cover.
Moderate Risk Tolerance
Abhi S- 18
High Income Better Saving Willing to Invest In Equity
Very Much Under cover
Aggressive Goal Inappropriate Tax Planning
Scenarios
1. Investment In Shares 3. Very High goals
Problems
Not aware of the Market Behavior Unable to meet goals Through Conservative Approach Inadequate Tax Planning Impediments towards higher risk taking capabilities
Possible solutions
Asset Allocation to Equity with proper time frame a. Proper balance of Debt(Loans) and Equity (Cash) more Equity. b. Can take loan For Better Investment Proper planning is required including 80C ,Infra Bond. Etc.. Need to take more Insurance cover.
4. Tax Planning
5. Under Covered
VIJAY
•Conservative strategies •Moderate goals •High risk taking abilities •Not ready to invest in risky assets •Under covered
Scenarios/Comments Suggestions/solutions
1. Conservative Investment strategies are sufficient for achieving goals 2. Moderate Goals 3. High risk taking capabilities Maintaining Cash flows
Current Budgeting -Need to cut down Expenses a. Proper balance of Debt(Loans) and Equity (Cash). b. Can take loan against Assets c. Need to Re-organize Goals. Can take more Risk in order to achieve the Goals Need to take more Insurance cover.
4. Not ready to invest in risky assets 5. Under Covered
doc_967370539.pptx