by- suyog ( css, cash). human life cycle education earning years cycle i cycle ii cycle iii age- 25...
TRANSCRIPT
Human Life Cycle
EducationEducation Earning YearsEarning Years
Cycle ICycle I Cycle IICycle II Cycle IIICycle III
Age- 25 yrsAge- 25 yrs Age- 60 yrsAge- 60 yrs
25 yrs25 yrs 40 yrs40 yrs 10- 20 yrs10- 20 yrs
Post Retirement Years Post Retirement Years
Cycle II: The Most Crucial Phase Meet current recurring expenses
• Rent, Electricity, Telephone
• Child’s education, Child’s marriage
• Annual Holiday with family….
Build capital assets• House; Car….
Make provisions for• Retirement ; Contingencies- Illness, Accidents, etc.
Do you save and invest so that your dreams turn into reality
Investment???
Money we earn is partly spent and rest saved for meeting future expenses
Instead if keeping the saving idle we like to use saving in order to get return on it in the future….
Saving =Investment
Return??
Interest Capital Appreciation When we borrow money we are expected
to pay for using it…Amount charged to borrower for using
lender’s money…Bonus shares, etc…
Investment Options.. Financial Assets
Shares, Bonds, Etc..
Fixed Deposits with Banks
Post Office Schemes ,PF, Pension Fund
Mutual Funds
Insurance
Having Understood how Important is financial Planning Now The Big Question ??
Which Investment Option should I take ????
Stocks
Bonds
Bank Deposits
Real Estate
Gold
Mutual Funds….
A Mutual Fund is a pool of the savings of a number of investors who share a common financial goal.
The money thus collected is then invested in capital & money market instruments such as shares, debentures, securities, Treasury Bills etc…
The income earned through these investments and the capital appreciation realized are shared by its unit holders in proportion to the number of units owned by them.
Thus a Mutual Fund is the most suitable investment for the common man as it offers an opportunity to invest in a diversified, professionally managed basket of securities at a relatively low cost.
Types of Schemes By Structure
• Open Ended Schemes
• Close Ended Schemes
• Interval Schemes By Investment Objective
• Growth Schemes
• Income Schemes
• Balance Schemes
• Money Market Schemes Tax Schemes
• Tax Saving Schemes Special Schemes
• Index Schemes
• Sector Specific Schemes
PERFECT COMBINATION OF RISK & RETURN
MF Industry in India and some facts
100 % growth in the last 6 years. In the period still it is maintaining stability Number of foreign AMC’s are in the que to enter the Indian Markets Our saving rate is 23% highest in the world We have less number of MF in comparisition to US, they are having
800 MF companies so there is big scope for expansion B and C class cities are growing rapidly today most of the MF
concentrating on only A class cities. MF can achieve the success like Insurance in rural sector if they bring
simple and limited scheme for them. Emphasis on better Corporate Governance Introduction of Financial Planner who can provide need based advice.