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TRANSCRIPT
Financial Freedom Package
Your guide to financial success
Khushi Consultants & Managers LLP
LinkedIn Group – Achieving Financial FreedomFacebook Page- market mantras simplified
Website- www.kcmonline.in www.ffp.kcmonline.in
Working for Financial Abundance
Financial Freedom
Stress free life
Knowledge and Wisdom
Planned Retirement
Quality time to live & Explore
Opportunity to help others
Happiness
Working & Financial ConstraintFinancial StruggleStressful lifeScammed and ScammedForced RetirementNo timeFeeling helpless most timesLife struggle
Achieving Financial Freedom Illusion- Just Living !
Achieving Financial Freedom V/S Illusion Just Living
Tell their sons to
do it
He does the same
Tells his son to do this
It goes on until someday one in your family takes this step
to break this vicious circle
Work for Earned Income
Trapped in Vicious Circle
Age 23-30Establish yourself, save money,
get married
Age 30-55Children education, their
good upbringing, marriage
Age 55-75Getting Retire now,
maybe with money, but gifting to grand children,
keeping a legacy
At the endAnalyzing your life
Best or worst moment, this come the only time to think about yourself and you can
not do anything, so think now
Age 1-23 Study & Get Good Job
Earned Income Passive Income
Time is traded Product/Service is traded
Limited Resource Unlimited Resource
Limited Earning Potential Unlimited Potential
Stops once you stop working Perpetual, Virtually Endless
Less opportunity of Growth Opportunities are wide open
Earned Income V/S Passive Income
How to PLAN for
Financial Success?
“Your life recipe is your freedom portfolio and you have make it best, it is in your hand and you know
how to do it, you are just not aware”
Is Financial Freedom Possible?
What’s the Recipe for Freedom Portfolio?
Shiva
Sharpen you axe, here in this context axe is your mind; you are equipped with everything you just need to
sharpen it on regular basis
• If you are not making money or benefiting from falling market, you can not grow your portfolio, unless you are Warren Buffet.
• Rising Market- Buy Low Sell High• Shorting:- Short Selling
Sell High Buy Low• Hedging:- You don’t know when it’s going to
rain, Hedging is umbrella for your portfolio.
Sub Prime Crisis – 2008 (Shorting/Hedging)
Hedging• Call Option – Call means up• Put Option – Put means downHedging• Long Holding- Hedge with Put Option or Sell Higher
Strike Call Option (Can generate Passive Income)• If Shorted – Hedge with Call Options or Sell Lower
Strike Put Options • You can create numerous strategies like iron candor,
butterfly, covered call, FNO mix, Cash Future Arbitrage, Doji trade etc..
• Learn and implement:- Some strategies can give you consistent passive income and wonderful life.
BusinessInvestors Module
Open Market• IPO
• Stock Market
Closed Market• Seed Investor• Angel Investor• Venture Capitalist• Private Equity
Wings to your Freedom Portfolio
Promote Entrepreneurship
Facebook StoryMark Zukerberg
Age 26, Net Worth $ 13.5 Billion
Dustin Moskotiwz, FB 3rd EmployeeAge 26, Net worth $ 2.7 Billion
Sean ParkerNo Money Down DealInformation & Support
Age 30, N W: $ 1.6 BillionPeter Theil
Angel InvestorNet Worth $ 2.2 Billion
Eduardo SaverinFB Seed Investor
Age 29, Net Worth $ 1.6 Billion
Promote Entrepreneurship
Just Dial
088 888 8888Naukri.com
50 Paise to 2 Lacs
Per DayEntrepreneur
Real Estate- Case Example
Before starting the case following are the assumptions made-1. We recommend to buy property within 2 hour distance
from your nearest travel convenient center (Rail/ Bus).2. We recommend to have a property manager if you are
owning more than two rented property, as work gets very hectic.
3. This is first property bought to live.4. They have no plans to become investor any time soon.Base on the assumptions, here are three case
Case 1- Mr. ABought property at Mumbai Outer – AmbernathProperty Details –1 BHK – 550 Sq.ftCost- 6,00,000/- (Rounded off)Date- May 2007Cash Payment- 03 LacsLoan Payment- 03 LacsLoan Tenure – 05 Years Loan Amount- 7,000 (Approximate)
Case 2- Mr. BBought property at Mumbai Outer – AmbernathProperty Details –2 BHK – 650 Sq.ftCost- 4,00,000/- (Rounded off)Date- May 2005Cash Payment- 04 Lacs (Instalments)Loan Payment- N.ALoan Tenure – N.ALoan Amount- N.A
Case 3- Mr. CBought property at Mumbai Outer – Mira RoadProperty Details –1 BHK – 550 Sq.ftCost- 9,00,000/- (Rounded off)Date- May 2007Cash Payment- 03 LacsLoan Payment- 06 LacsLoan Tenure – 10 Years Loan Amount- 8,000 (Approximate)
Case 4- Mr. D• Real CaseNot bought any property any where, presently giving Rs. 8,000/- rent.2007 SituationCash 10 LacsSalary Rs. 30,000/- Good records since 20 years
FFP Structure- Property Buying for Living (No investor plans)
Mr. A
Present Situation, Investment 6 Lacs FFP Situation, Investment 6 Lacs
One Property Asset Value 25 Lacs Property1
Property 2
Property 2
After 6 years Asset Value
Property 3
Rs. 25,00,000 (25 lacs)
Property 3
Property 1
Rs. 25,00,000 (25 Lacs)
Total Value – Rs. 75,00,000/- (75 Lacs)
Rs. 25,00,000 (25 Lacs)
*taxation is not discounted
3 Lacs cash payment is divided into 1 lacs each cash payment of 3 exactly similar properties.
Loan is taken of 15 Lacs for 15 Years @9% in 2007, EMI 15000
Rent income Rs. 2,000/- per property i.e Rs. 6000 cumulative.Net EMI - Rs. 9000 (15000- 6000)(Approximate)
Present FFP Position
1. Three properties, Asset Value Rs. 75,00,000/-.
2. Rent income Rs. 15,000.3. Loan repaid Rs. 7,00,000/-.
Now, more importantly if you sell one property at Rs. 25,00,000/- and pay off your remaining loan amount i.e. Rs. 8,00,000.
You stand on profit Rs. 72,00,000/- with Rs. 3,00,000 investment.
Net Profit Rs. 57,00,000 (50 Lacs + 7 Lacs)Passive Income Rs. 5,000/- Years taken – 6 Years
FFP Structure- Property Buying for Living (No investor plans) Mr. B
Present Situation, Investment 4 Lacs FFP Situation, Investment 4 Lacs
One Property Asset Value 30 Lacs Property1
Property 2
Property 2
After 6 years Asset Value
Property 3
Rs. 30,00,000 (30 lacs)
Property 3
Property 1
Rs. 30,00,000 (30 Lacs)
Total Value – Rs. 90,00,000/- (90 Lacs)
Rs. 30,00,000 (30 Lacs)
*taxation is not discounted
Present FFP Position
1. Three properties, Asset Value Rs. 90,00,000/-.
2. Rent income Rs. 18,000.3. Loan repaid Rs. 4,00,000/-.
Now, the leverage magic, importantly if you sell one property at Rs. 30,00,000/- and pay off your remaining loan amount i.e. Rs. 5,00,000.
You stand on profit Rs. 87,00,000/- with Rs. 3,00,000 investment. Passive Income started after 3 years of Rs. 4,000/-
Passive Income Rs. 6,000/- Net Profit Rs. 80,00,000 (60 Lacs + 20 Lacs)Years taken – 6 Years
FFP Structure- Property Buying for Living (No investor plans) Mr. C
Present Situation, Investment 5 Lacs FFP Situation, Investment 5 Lacs
One Property Asset Value 40 Lacs Property1
Property 2
Property 2
After 6 years Asset Value
Property 3
Rs. 40,00,000 (40 lacs)
Property 3
Property 1
Rs. 40,00,000 (40 Lacs)
Total Value – Rs. 1,20,00,000/- (1.2 Cr)
Rs. 40,00,000 (40 Lacs)
*taxation is not discounted
Present FFP Position
1. Three properties, Asset Value Rs. 1,20,00,000/-.
2. Rent income Rs. 21,000.3. Loan repaid Rs. 10,00,000/-.
Now, the leverage magic, importantly if you sell one property at Rs. 40,00,000/- and pay off your remaining loan amount i.e. Rs. 15,00,000.
You stand on profit Rs. 1,15,00,000/- with Rs. 5,00,000 investment. Passive Income started after 3 years of Rs. 4,000/-
Net Profit Rs. 95,00,000 (80 Lacs + 15 Lacs)Passive Income Rs. 7,000/- Years taken – 6 Years
Real Estate - Investor Plan• Here you sell your one property after 50%
appreciation and pay off your loan.• Take LAP and Additional loan to buy three
more property. (you have rental income for 5 properties)
• You sell another property at 100% appreciation and pay off partial loan.
• You continue this until you reach your goal.• Caution:- This is very deep: Specialization is
Recommended
Financial Freedom Package - Advisory
FFP + Education Kit25,000/- Customized training and support.
Annual Renewal Charges Rs. 3,000/-(Newsletter, Loan Manager and FPR)
FPR & Personal Workshop• Once enrolment is done, you are assigned a FPR (Freedom
Planner Representative)• FPR analyses your present situation and designs your
primary freedom portfolio.• After designing your customized freedom portfolio, you
are given handbook and after 2 weeks workshop is conducted.
• Workshop includes basic training of all three levels and final session is brainstorming.
• After the workshop, your analysis is done and freedom portfolio first review is made.
• Depending upon the understanding and other factors you will be guided for your first level.
Financial Freedom Package - Education
• FPR & Work Shop – Rs. 25,000/- Qualification required (Passive income stages)• Financial Market Package – Rs. 50,000/-• Business Entrepreneurship Package - Rs. 50,000/-• Real Estate Package – Rs. 50,000/-
Only 4 times in a Year
Business Services• Our internal investor meets and
entrepreneurship club enrolment.• Membership to our “Find your Deal- Business”
E-Mail Subscription.
• Membership to our “Find your Deal- Real Estate” E-Mail Subscription.
• Property Consulting Online Manager.
Real Estate Services
• It provides you most important tool – KNOWLEDGE• It gives you power to analyse and filter all information,
rather than depending upon others. (No one can make you fool)
• It provides you leverage of three important things- Knowledge. Time. Money.• It guides you all through your path with best advice.• Provides you best opportunities and life time support for
making better decisions.
Summary
• It gives you real edge over whatever you do.• It changes your lifestyle completely. Once you are out
of this room you are no more what you were and you know that, and once you attend our two day workshop you will be sharper, stronger and performer.
• Gives you 15 ways to generate passive income. This can be started from day 1.
• You can enjoy your dream life, retire financially free in just 6 months, all you have to do is to commit and be dedicated.
• One of my favourite – it empowers you help people, change society, contribute to human race, create and achieve not only for oneself but for whole community.