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Financial planning : Do it Yourself

Date post: 17-Aug-2014
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Author: ankit-mathur
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A self guide towards financial planning. We ourselves can manage our finances, so here comes phase-1 describing about few topics. Stay tuned for the remaining topics in phase-2.
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Financial Planning Powered By: Ready Bytes Software Labs Pvt. Ltd. (INDIA) Do It Yourself… PHASE - 1 of 2
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  • Powered By: Ready Bytes Software Labs Pvt. Ltd. (INDIA) Planning Financial Do It Yourself PHASE - 1 of 2
  • BIO Ankit Mathur (Software Engineer at Ready Bytes Software Labs Pvt. Ltd.) In for you at: Financial Planning
  • DISCLAIMER With the prior permission of the author Mr. Manish Chauhan, contents of his book How To Be Your Own Financial Planner in 10 Steps are included / used / referenced in this presentation. So, this presentation doesnt violate rules of Copyrights Act as mentioned in the book by the author himself. Also, by any means this presentation isnt meant to harm anyones sentiments, financial policies or any other term/field of financial sector. Unconditional apologies. Financial Planning
  • Sorry, but initially i want you to think a little.. Things will be easier later on, Financial Planning
  • Extreme Concentration NEEDED, For Next 3 Points Financial Planning
  • 1. It is a TOUGH TASK 2. Difficult to Understand 3. NEVER Do It SELF Financial Planning
  • 1. It is a TOUGH TASK 2. Difficult to Understand 3. NEVER Do It SELF Financial Planning
  • 1. It is a TOUGH TASK 2. Difficult to Understand 3. NEVER Do It SELF Financial Planning
  • 1. It is a TOUGH TASK 2. Difficult to Understand 3. NEVER Do It SELF Financial Planning
  • 1. It is a TOUGH TASK 2. Difficult to Understand 3. NEVER Do It SELF Financial Planning
  • 1. It is a TOUGH TASK 2. Difficult to Understand 3. NEVER Do It SELF Financial Planning
  • 1. It is a TOUGH TASK 2. Difficult to Understand 3. NEVER Do It SELF Financial Planning
  • 1. It is a TOUGH TASK 2. Difficult to Understand 3. NEVER Do It SELF Financial Planning
  • Financial Planning
  • If you take Financial Planning as: Centralized with money, Practical Decision System, Emotionless Decision Making Power and, Quick Money Making System Financial Planning
  • If you take Financial Planning as: Centralized with money, Practical Decision System, Emotionless Decision Making Power and, Quick Money Making System Financial Planning
  • If you take Financial Planning as: Centralized with money, Practical Decision System, Emotionless Decision Making Power and, Quick Money Making System Financial Planning
  • If you take Financial Planning as: Centralized with money, Practical Decision System, Emotionless Decision Making Power and, Quick Money Making System Financial Planning
  • If you take Financial Planning as: Centralized with money, Practical Decision System, Emotionless Decision Making Power and, Quick Money Making System Financial Planning
  • If you take Financial Planning as: Centralized with money, Practical Decision System, Emotionless Decision Making Power and, Quick Money Making System Financial Planning
  • If you take Financial Planning as: Centralized with money, EXCEPT THIS Practical Decision System, Emotionless Decision Making Power and, Quick Money Making System Financial Planning
  • Chapter 1 of 5 Ease Yourself Lets Build a Thought Process Now Financial Planning
  • Few Terms First.. (Slide 1/2) Surrender Value (term 1/3): It is the worth of Life Insurance Policy at a given point of time. It is the amount you get when you surrender the policy before maturity. Paid up Policy (term 2/3): It means you to not fill premiums any more. If you dont want to surrender policy and also dont want to give premiums, then make it a paid up policy. It can be done only if you filled some previous premiums. Financial Planning
  • Few Terms First.. (Slide 2/2) Bonus (term 3/3): Many traditional policies announce yearly bonus which keeps on accumulating and given to you at the end of maturity. Financial Planning
  • Optimizing LIPs (Life Insurance Policies) Preliminary Thought Dont fool others by saying: i dont take Life policies for investments its ONLY becoz I want my family security Financial Planning
  • Optimizing LIPs (Life Insurance Policies) Preliminary Thought Dont fool others by saying: i dont take Life policies for investments its ONLY becoz I want my family security Financial Planning
  • Optimizing LIPs (Life Insurance Policies) Preliminary Thought Dont fool others by saying: i dont take Life policies for investments its ONLY becoz I want my family security Financial Planning
  • Optimizing LIPs (Life Insurance Policies) 1. Dont go for many no. of Life Insurance Policies ADVANTAGES YOU ASK ? Manage less no. Of policies Keep less documents BIGGEST ADVANTAGE COMES NOW: o If death kisses you someday (this is not advantage) .. Your family should not face hardships in claiming from all those many policies.. Financial Planning
  • Optimizing LIPs (Life Insurance Policies) 1. Dont go for many no. of Life Insurance Policies ADVANTAGES YOU ASK ? Manage less no. Of policies Keep less documents BIGGEST ADVANTAGE COMES NOW: o If death kisses you someday (this is not advantage) .. Your family should not face hardships in claiming from all those many policies.. Financial Planning
  • Optimizing LIPs (Life Insurance Policies) 1. Dont go for many no. of Life Insurance Policies ADVANTAGES YOU ASK ? Manage less no. Of policies Keep less documents BIGGEST ADVANTAGE COMES NOW: o If death kisses you someday (this is not advantage) .. Your family should not face hardships in claiming from all those many policies.. Financial Planning
  • Optimizing LIPs (Life Insurance Policies) 1. Dont go for many no. of Life Insurance Policies ADVANTAGES YOU ASK ? Manage less no. Of policies Keep less documents BIGGEST ADVANTAGE COMES NOW: o If death kisses you someday (this is not advantage) .. Your family should not face hardships in claiming from all those many policies.. Financial Planning
  • Optimizing LIPs (Life Insurance Policies) 1. Dont go for many no. of Life Insurance Policies ADVANTAGES YOU ASK ? Manage less no. Of policies Keep less documents BIGGEST ADVANTAGE COMES NOW: o If death kisses you someday (this is not advantage) .. Your family should not face hardships in claiming from all those many policies.. Financial Planning
  • Optimizing LIPs (Life Insurance Policies) 1. Dont go for many no. of Life Insurance Policies ADVANTAGES YOU ASK ? Manage less no. Of policies Keep less documents BIGGEST ADVANTAGE COMES NOW: o If death kisses you someday (which is not an advantage) .. Your family should not face hardships in claiming from all those many policies.. Financial Planning
  • 1-2 Life Insurance Policies equivalent to 10-20 Focus on life cover amount, not on number of policies Clean Life Insurance Portfolio Stop low maturity value policies Stop filling premiums for them Trust me, its not a loss Its a step towards profit in Life cover Take term plans and LIP. THATS IT. Divide the premium for term and LIP Trust me, its not a loss Its a step towards profit Financial Planning
  • 1-2 Life Insurance Policies equivalent to 10-20 Focus on life cover amount, not on number of policies Clean Life Insurance Portfolio Stop low maturity value policies Stop filling premiums for them Trust me, its not a loss Its a step towards profit in Life cover Take term plans and LIP. THATS IT. Divide the premium for term and LIP Trust me, its not a loss Its a step towards profit Financial Planning
  • 1-2 Life Insurance Policies equivalent to 10-20 Focus on life cover amount, not on number of policies Clean Life Insurance Portfolio Stop low maturity value policies Stop filling premiums for them Trust me, its not a loss Its a step towards profit in Life cover Take term plans and LIP. THATS IT. Divide the premium for term and LIP Trust me, its not a loss Its a step towards profit Financial Planning
  • 1-2 Life Insurance Policies equivalent to 10-20 Focus on life cover amount, not on number of policies Clean Life Insurance Portfolio Stop low maturity value policies Stop filling premiums for them Trust me, its not a loss Its a step towards profit in Life cover Take term plans and LIP. THATS IT. Divide the premium for term and LIP Trust me, its not a loss Its a step towards profit Financial Planning
  • 1-2 Life Insurance Policies equivalent to 10-20 Focus on life cover amount, not on number of policies Clean Life Insurance Portfolio Stop low maturity value policies Stop filling premiums for them Trust me, its not a loss Its a step towards profit in Life cover Take term plans and LIP. THATS IT. Divide the premium for term and LIP Trust me, its not a loss Its a step towards profit Financial Planning
  • 1-2 Life Insurance Policies equivalent to 10-20 Focus on life cover amount, not on number of policies Clean Life Insurance Portfolio Stop low maturity value policies Stop filling premiums for them Trust me, its not a loss Its a step towards profit in Life cover Take term plans and LIP. THATS IT. Divide the premium for term and LIP Trust me, its not a loss Its a step towards profit Financial Planning
  • 1-2 Life Insurance Policies equivalent to 10-20 Focus on life cover amount, not on number of policies Clean Life Insurance Portfolio Stop low maturity value policies Stop filling premiums for them Trust me, its not a loss Its a step towards profit in Life cover Take term plans and LIP. THATS IT. Divide the premium for term and LIP Trust me, its not a loss Its a step towards profit Financial Planning
  • 1-2 Life Insurance Policies equivalent to 10-20 Focus on life cover amount, not on number of policies Clean Life Insurance Portfolio Stop low maturity value policies Stop filling premiums for them Trust me, its not a loss Its a step towards profit in Life cover Take term plans and LIP. THATS IT. Divide the premium for term and LIP Trust me, its not a loss Its a step towards profit Financial Planning
  • Points to Ponder Surrender the policies which provide low life cover Start a new one with high cover value REMEMBER: Dont bother much for biggest cover REMEMBER: Amount 10,00,000 = 15,00,000 REMEMBER: Amount 20,00,000 = 25,00,000 One High Life Cover = Lots of Small-Small Covers An example may lengthen the topic, Let me know if you want one.. Financial Planning
  • Points to Ponder Surrender the policies which provide low life cover Start a new one with high cover value REMEMBER: Dont bother much for biggest cover REMEMBER: Amount 10,00,000 = 15,00,000 REMEMBER: Amount 20,00,000 = 25,00,000 One High Life Cover = Lots of Small-Small Covers An example may lengthen the topic, Let me know if you want one.. Financial Planning
  • Points to Ponder Surrender the policies which provide low life cover Start a new one with high cover value REMEMBER: Dont bother much for biggest cover REMEMBER: Amount 10,00,000 = 15,00,000 REMEMBER: Amount 20,00,000 = 25,00,000 One High Life Cover = Lots of Small-Small Covers An example may lengthen the topic, Let me know if you want one.. Financial Planning
  • Points to Ponder Surrender the policies which provide low life cover Start a new one with high cover value REMEMBER: Dont bother much for biggest cover REMEMBER: Amount 10,00,000 = 15,00,000 REMEMBER: Amount 20,00,000 = 25,00,000 One High Life Cover = Lots of Small-Small Covers An example may lengthen the topic, Let me know if you want one.. Financial Planning
  • Points to Ponder Surrender the policies which provide low life cover Start a new one with high cover value REMEMBER: Dont bother much for biggest cover REMEMBER: Amount 10,00,000 = 15,00,000 REMEMBER: Amount 20,00,000 = 25,00,000 One High Life Cover = Lots of Small-Small Covers An example may lengthen the topic, Let me know if you want one.. Financial Planning
  • Points to Ponder Surrender the policies which provide low life cover Start a new one with high cover value REMEMBER: Dont bother much for biggest cover REMEMBER: Amount 10,00,000 = 15,00,000 REMEMBER: Amount 20,00,000 = 25,00,000 One High Life Cover = Lots of Small-Small Covers Financial Planning
  • Repeat With Me.. Dump The Small Policies + Take Term Insurance Plans + Use Fixed Deposits Financial Planning
  • Repeat With Me.. Dump The Small Policies + Take Term Insurance Plans + Use Fixed Deposits Financial Planning
  • Repeat With Me.. Dump The Small Policies + Take Term Insurance Plans + Use Fixed Deposits Financial Planning
  • 2 Quick Fires ? Financial Planning
  • Life Insurance + Term Policy (Whats the Big Deal?) Financial Planning
  • Life Insurance + Term Policy (Whats the Big Deal?) Lets bring an example here: Financial Planning
  • Lets say you have Rs. 40,000/yr to invest. JUST Rs. 40,000 per year Dont worry, Its a normal, simple and low amount You can afford it easily Financial Planning
  • Lets say you have Rs. 40,000/yr to invest. JUST Rs. 40,000 per year Dont worry, Its a normal, simple and low amount You can afford it easily Financial Planning
  • Lets say you have Rs. 40,000/yr to invest. JUST Rs. 40,000 per year Dont worry, Its a normal, simple and low amount You can afford it easily Financial Planning
  • Rs. 40,000 per year Rs. 5,000 per year Take a Life Insurance Expect cover near to Rs. 50 lakhs For lets say, 23 years? Ok. After 23 years? Rs. 50 lakhs If you die, your family is somewhat safe Rs. 35,000 per year Do fixed deposits Lets assume 8% PPF rate Lets say 23 years? Ok. With Compound Interest Near to Rs. 23 lakhs TOTAL: Rs. 50 lakhs + Rs. 23 lakhs Financial Planning
  • Rs. 40,000 per year Rs. 5,000 per year Take a Life Insurance Expect cover near to Rs. 50 lakhs For lets say, 23 years? Ok. After 23 years? Rs. 50 lakhs If you die, your family is somewhat safe Rs. 35,000 per year Do fixed deposits Lets assume 8% PPF rate Lets say 23 years? Ok. With Compound Interest Near to Rs. 23 lakhs TOTAL: Rs. 50 lakhs + Rs. 23 lakhs Financial Planning
  • Rs. 40,000 per year Rs. 5,000 per year Take a Life Insurance Expect cover near to Rs. 50 lakhs For lets say, 23 years? Ok. After 23 years? Rs. 50 lakhs If you die, your family is somewhat safe Rs. 35,000 per year Do fixed deposits Lets assume 8% PPF rate Lets say 23 years? Ok. With Compound Interest Near to Rs. 23 lakhs TOTAL: Rs. 50 lakhs + Rs. 23 lakhs Financial Planning
  • Rs. 40,000 per year Rs. 5,000 per year Take a Life Insurance Expect cover near to Rs. 50 lakhs For lets say, 23 years? Ok. After 23 years? Rs. 50 lakhs If you die, your family is somewhat safe Rs. 35,000 per year Do fixed deposits Lets assume 8% PPF rate Lets say 23 years? Ok. With Compound Interest Near to Rs. 23 lakhs TOTAL: Rs. 50 lakhs + Rs. 23 lakhs Financial Planning
  • Rs. 40,000 per year Rs. 5,000 per year Take a Life Insurance Expect cover near to Rs. 50 lakhs For lets say, 23 years? Ok. After 23 years? Rs. 50 lakhs If you die, your family is somewhat safe Rs. 35,000 per year Do fixed deposits Lets assume 8% PPF rate Lets say 23 years? Ok. With Compound Interest Near to Rs. 23 lakhs TOTAL: Rs. 50 lakhs + Rs. 23 lakhs Financial Planning
  • Rs. 40,000 per year Rs. 5,000 per year Take a Life Insurance Expect cover near to Rs. 50 lakhs For lets say, 23 years? Ok. After 23 years? Rs. 50 lakhs If you die, your family is somewhat safe Rs. 35,000 per year Do fixed deposits Lets assume 8% PPF rate Lets say 23 years? Ok. With Compound Interest Near to Rs. 23 lakhs TOTAL: Rs. 50 lakhs + Rs. 23 lakhs Financial Planning
  • Rs. 40,000 per year Rs. 5,000 per year Take a Life Insurance Expect cover near to Rs. 50 lakhs For lets say, 23 years? Ok. After 23 years? Rs. 50 lakhs If you die, your family is somewhat safe Rs. 35,000 per year Do fixed deposits Lets assume 8% PPF rate Lets say 23 years? Ok. With Compound Interest Near to Rs. 23 lakhs TOTAL: Rs. 50 lakhs + Rs. 23 lakhs Financial Planning
  • Rs. 40,000 per year Rs. 5,000 per year Take a Life Insurance Expect cover near to Rs. 50 lakhs For lets say, 23 years? Ok. After 23 years? Rs. 50 lakhs If you die, your family is somewhat safe Rs. 35,000 per year Do fixed deposits Lets assume 8% PPF rate Lets say 23 years? Ok. With Compound Interest Near to Rs. 23 lakhs TOTAL: Rs. 50 lakhs + Rs. 23 lakhs Financial Planning
  • Much better 50+23 THAN JUST 50 of Life Insurance Financial Planning
  • SUMMARY (Chapter - 1) Minimize no. of Life Insurance Policies Dont treat life cover as Investment tool Take Terms plans and Life Insurance Divide appropriate premium b/w them Also go for Fixed deposits They are like savings Financial Planning
  • Chapter - 2 of 5 investments Never Ever Gives QUICK MONEY ! Financial Planning
  • DRAW Something your BEST on next SHEET Financial Planning
  • Financial Planning
  • Done? Financial Planning
  • Done? Now, Draw same beauty on this.. -> Financial Planning
  • Financial Planning
  • WANT CLEANUP ? Financial Planning
  • WANT CLEANUP ? Thats my next point.. Financial Planning
  • Our Financial Life is like sheet of paper Every scribble OR Every dirt means.. BAD DECISIONS ! Financial Planning
  • Our Financial Life is like sheet of paper Every scribble OR Every dirt means.. BAD DECISIONS ! Financial Planning
  • This Diwali, Lets clean few things here.. Financial Planning
  • What is There to Clean ? Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Financial Planning
  • What is There to Clean ? Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Financial Planning
  • What is There to Clean ? Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Financial Planning
  • What is There to Clean ? Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Financial Planning
  • What is There to Clean ? Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Financial Planning
  • What is There to Clean ? Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Financial Planning
  • What is There to Clean ? Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Financial Planning
  • OPTIMIZE STOCKS Financial Planning
  • 2 Categories for People in here: Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs 1. Serious investors searching wealth 2. Investors searching QUICK GAINS Optimize Credit Cards Optimize other investments Financial Planning
  • Serious investors searching wealth Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Not looking for quick gains Very clear about rules of stocks Deeply study tricks of this game Have deep vision on stocks Know exactly how to make money over long terms On right path They dont need any cleanup here Optimize other investments Financial Planning
  • Serious investors searching wealth Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Not looking for quick gains Very clear about rules of stocks Deeply study tricks of this game Have deep vision on stocks Know exactly how to make money over long terms On right path They dont need any cleanup here Optimize other investments Financial Planning
  • Serious investors searching wealth Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Not looking for quick gains Very clear about rules of stocks Deeply study tricks of this game Have deep vision on stocks Know exactly how to make money over long terms On right path They dont need any cleanup here Optimize other investments Financial Planning
  • Serious investors searching wealth Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Not looking for quick gains Very clear about rules of stocks Deeply study tricks of this game Have deep vision on stocks Know exactly how to make money over long terms On right path They dont need any cleanup here Optimize other investments Financial Planning
  • Serious investors searching wealth Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Not looking for quick gains Very clear about rules of stocks Deeply study tricks of this game Have deep vision on stocks Know exactly how to make money over long terms On right path They dont need any cleanup here Optimize other investments Financial Planning
  • Serious investors searching wealth Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Not looking for quick gains Very clear about rules of stocks Deeply study tricks of this game Have deep vision on stocks Know exactly how to make money over long terms On right path They dont need any cleanup here Optimize other investments Financial Planning
  • Serious investors searching wealth Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Not looking for quick gains Very clear about rules of stocks Deeply study tricks of this game Have deep vision on stocks Know exactly how to make money over long terms On right path They dont need any cleanup here Optimize other investments Financial Planning
  • Serious investors searching wealth Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Not looking for quick gains Very clear about rules of stocks Deeply study tricks of this game Have deep vision on stocks Know exactly how to make money over long terms On right path They dont need any cleanup here Optimize other investments Financial Planning
  • Investors searching QUICK GAINS Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments 99% of stock population Looking quick money in weeks or months Sell shares ASAP see profit Look charts, stock prices, but FOCUS profits Buy on tips of friends or other means Subscribe SMSs, channels, etc. Want to label: LUCK As TALENT Financial Planning
  • Investors searching QUICK GAINS Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments 99% of stock population Looking quick money in weeks or months Sell shares ASAP see profit Look charts, stock prices, but FOCUS profits Buy on tips of friends or other means Subscribe SMSs, channels, etc. Want to label: LUCK As TALENT Financial Planning
  • Investors searching QUICK GAINS Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments 99% of stock population Looking quick money in weeks or months Sell shares ASAP see profit Look charts, stock prices, but FOCUS profits Buy on tips of friends or other means Subscribe SMSs, channels, etc. Want to label: LUCK As TALENT Financial Planning
  • Investors searching QUICK GAINS Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments 99% of stock population Looking quick money in weeks or months Sell shares ASAP see profit Look charts, stock prices, but FOCUS profits Buy on tips of friends or other means Subscribe SMSs, channels, etc. Want to label: LUCK As TALENT Financial Planning
  • Investors searching QUICK GAINS Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments 99% of stock population Looking quick money in weeks or months Sell shares ASAP see profit Look charts, stock prices, but FOCUS profits Buy on tips of friends or other means Subscribe SMSs, channels, etc. Want to label: LUCK As TALENT Financial Planning
  • Investors searching QUICK GAINS Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments 99% of stock population Looking quick money in weeks or months Sell shares ASAP see profit Look charts, stock prices, but FOCUS profits Buy on tips of friends or other means Subscribe SMSs, channels, etc. Want to label: LUCK As TALENT Financial Planning
  • Investors searching QUICK GAINS Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments 99% of stock population Looking quick money in weeks or months Sell shares ASAP see profit Look charts, stock prices, but FOCUS profits Buy on tips of friends or other means Subscribe SMSs, channels, etc. Want to label: LUCK As TALENT Financial Planning
  • Investors searching QUICK GAINS Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments 99% of stock population Looking quick money in weeks or months Sell shares ASAP see profit Look charts, stock prices, but FOCUS profits Buy on tips of friends or other means Subscribe SMSs, channels, etc. Want to label: LUCK As TALENT Financial Planning
  • Investors searching QUICK GAINS Optimize Stocks Optimize Mutual Funds Brokers take advantage of such people Optimize Bank Accounts Optimize ULIPs WHAT TO DO NOW ? Optimize Credit Cards Optimize other investments Financial Planning
  • Investors searching QUICK GAINS Optimize Stocks Optimize Mutual Funds Brokers take advantage of such people Optimize Bank Accounts Optimize ULIPs WHAT TO DO NOW ? Optimize Credit Cards Optimize other investments Financial Planning
  • Investors searching QUICK GAINS Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Get rid of STOCKS asap Dying to play stocks? Invest in mutual funds Optimize ULIPs Optimize Credit Cards Optimize other investments Financial Planning
  • Investors searching QUICK GAINS Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Get rid of STOCKS asap Dying to play stocks? Invest in mutual funds Optimize ULIPs Optimize Credit Cards Optimize other investments Financial Planning
  • Investors searching QUICK GAINS Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Get rid of STOCKS asap Dying to play stocks? Invest in mutual funds Optimize ULIPs Optimize Credit Cards Optimize other investments Financial Planning
  • Investors searching QUICK GAINS Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Get rid of STOCKS asap Dying to play stocks? Invest in mutual funds WHY GET RID ? Optimize Credit Cards Optimize other investments Financial Planning
  • Investors searching QUICK GAINS Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Get rid of STOCKS asap Dying to play stocks? Invest in mutual funds Whats the Problem ? Optimize Credit Cards Optimize other investments Financial Planning
  • Investors searching QUICK GAINS Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs i dont have any problem.. You have 2: Your money is locked in there o Use it in other parts of life Optimize Credit Cards Optimize other investments You think a lot about those stocks o It consumes you precious time Financial Planning
  • Investors searching QUICK GAINS Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs i dont have any problem.. You have 2: Your money is locked in there o Use it in other parts of life Optimize Credit Cards Optimize other investments You think a lot about those stocks o It consumes you precious time Financial Planning
  • Investors searching QUICK GAINS Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs i dont have any problem.. You have 2: Your money is locked in there o Use it in other parts of life Optimize Credit Cards Optimize other investments You think a lot about those stocks o It consumes you precious time Financial Planning
  • Investors searching QUICK GAINS Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs i dont have any problem.. You have 2: Your money is locked in there o Use it in other parts of life Optimize Credit Cards Optimize other investments You think a lot about those stocks o It consumes you precious time Financial Planning
  • 2 Quick Fires ? Financial Planning
  • OPTIMIZE MUTUAL FUNDS Financial Planning
  • Optimize Stocks Optimize Mutual Funds a MYTH lives here also.. Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Financial Planning
  • Many Investors Feel That: Optimize Stocks Optimize Mutual Funds More mutual funds they invest in, The better it is.. Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Whats the TRUTH? Mutual funds arent like: o Stamp collection, or o Coin Collection o More is not always better.. Financial Planning
  • Many Investors Feel That: Optimize Stocks Optimize Mutual Funds More mutual funds they invest in, The better it is.. Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Whats the TRUTH? Mutual funds arent like: o Stamp collection, or o Coin Collection o More is not always better.. Financial Planning
  • Many Investors Feel That: Optimize Stocks Optimize Mutual Funds More mutual funds they invest in, The better it is.. Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Whats the TRUTH? Mutual funds arent like: o Stamp collection, or o Coin Collection o More is not always better.. Financial Planning
  • Many Investors Feel That: Optimize Stocks Optimize Mutual Funds More mutual funds they invest in, The better it is.. Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Whats the TRUTH? Mutual funds arent like: o Stamp collection, or o Coin Collection o More is not always better.. Financial Planning
  • Many Investors Feel That: Optimize Stocks Optimize Mutual Funds More mutual funds they invest in, The better it is.. Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Whats the TRUTH? Mutual funds arent like: o Stamp collection, or o Coin Collection o More is not always better.. Financial Planning
  • Optimize Stocks Optimize Mutual Funds What Matters in Mutual Funds ? The allocation in different stocks Their quality Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Already invested in same kinds of stocks? WHAT TO DO NOW ? Optimize other investments Financial Planning
  • Optimize Stocks Optimize Mutual Funds What Matters in Mutual Funds ? The allocation in different stocks Their quality Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Already invested in same kinds of stocks? WHAT TO DO NOW ? Optimize other investments Financial Planning
  • Optimize Stocks Optimize Mutual Funds What Matters in Mutual Funds ? The allocation in different stocks Their quality Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Already invested in same kinds of stocks? WHAT TO DO NOW ? Optimize other investments Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Just 2 steps for now: SHUT all the current Mutual Funds Optimize ULIPs AND Optimize Credit Cards Optimize other investments Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Just 2 steps for now: SHUT all the current Mutual Funds Optimize ULIPs AND Optimize Credit Cards Optimize other investments Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Just 2 steps for now: SHUT all the current Mutual Funds Optimize ULIPs Optimize Credit Cards AND Optimize other investments Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Just 2 steps for now: SHUT all the current Mutual Funds Optimize ULIPs Optimize Credit Cards Optimize other investments AND Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Just 2 steps for now: SHUT all the current Mutual Funds Optimize ULIPs Optimize Credit Cards Optimize other investments AND Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Restart Optimize Credit Cards Optimize other investments Financial Planning
  • OPTIMIZE BANK ACCOUNTS Financial Planning
  • Optimize Stocks Again comes the COUNT.. Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Financial Planning
  • Optimize Stocks Optimize Mutual Funds Lesser the bank accounts, Optimize Bank Accounts Lesser the number of fixed deposits, Optimize ULIPs Optimize Credit Cards THE BETTER Optimize other investments Financial Planning
  • Optimize Stocks Optimize Mutual Funds Lesser the bank accounts, Optimize Bank Accounts Lesser the number of fixed deposits, Optimize ULIPs Optimize Credit Cards THE BETTER Optimize other investments Financial Planning
  • Optimize Stocks Optimize Mutual Funds Lesser the bank accounts, Optimize Bank Accounts Lesser the number of fixed deposits, Optimize ULIPs Optimize Credit Cards THE BETTER Optimize other investments Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs WHY BETTER ? Optimize Credit Cards Optimize other investments Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs HOW BETTER ? Optimize Credit Cards Optimize other investments Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Not much problem unless you are dead, o Afterwards, your family faces problems, o Claim each bank account, o Claim each fixed deposit, o A lengthy process.. Each bank has different cheque-books Account Statements Different penalty charges And you keep track all of this.. Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Not much problem unless you are dead, o Afterwards, your family faces problems, o Claim each bank account, o Claim each fixed deposit, o A lengthy process.. Each bank has different cheque-books Account Statements Different penalty charges And you keep track all of this.. Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Not much problem unless you are dead, o Afterwards, your family faces problems, o Claim each bank account, o Claim each fixed deposit, o A lengthy process.. Each bank has different cheque-books Account Statements Different penalty charges And you keep track all of this.. Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Not much problem unless you are dead, o Afterwards, your family faces problems, o Claim each bank account, o Claim each fixed deposit, o A lengthy process.. Each bank has different cheque-books Account Statements Different penalty charges And you keep track all of this.. Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Not much problem unless you are dead, o Afterwards, your family faces problems, o Claim each bank account, o Claim each fixed deposit, o A lengthy process.. Each bank has different cheque-books Account Statements Different penalty charges And you keep track all of this.. Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Not much problem unless you are dead, o Afterwards, your family faces problems, o Claim each bank account, o Claim each fixed deposit, o A lengthy process.. Each bank has different cheque-books Account Statements Different penalty charges And you keep track all of this.. Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Not much problem unless you are dead, o Afterwards, your family faces problems, o Claim each bank account, o Claim each fixed deposit, o A lengthy process.. Each bank has different cheque-books Account Statements Different penalty charges And you keep track all of this.. Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Not much problem unless you are dead, o Afterwards, your family faces problems, o Claim each bank account, o Claim each fixed deposit, o A lengthy process.. Each bank has different cheque-books Account Statements Different penalty charges And you keep track all of this.. Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Not much problem unless you are dead, o Afterwards, your family faces problems, o Claim each bank account, o Claim each fixed deposit, o A lengthy process.. Each bank has different cheque-books Account Statements Different penalty charges And you keep track all of this.. Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments WHAT TO DO ? One Joint account o For family One Personal Account o For salary transfers from company AND Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments WHAT TO DO ? One Joint account o For family One Personal Account o For salary transfers from company AND Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments WHAT TO DO ? One Joint account o For family One Personal Account o For salary transfers from company AND Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments WHAT TO DO ? One Joint account o For family One Personal Account o For salary transfers from company AND Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments WHAT TO DO ? One Joint account o For family One Personal Account o For salary transfers from company AND Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments WHAT TO DO ? One Joint account o For family One Personal Account o For salary transfers from company AND Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs THATs ALL ! All your money can fit into this.. Optimize Credit Cards Optimize other investments Financial Planning
  • OPTIMIZE ULIPs Financial Planning
  • Optimize Stocks WHAT ARE ULIPs? Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs ULIPs are Unit Linked Plans. Optimize Credit Cards Optimize other investments Financial Planning
  • Optimize Stocks WHAT ARE ULIPs? Optimize Mutual Funds Optimize Bank Accounts ULIPs are Unit Linked Plans. Optimize ULIPs Optimize Credit Cards Optimize other investments Financial Planning
  • Optimize Stocks WHAT ARE ULIPs? Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs WHAT ? Optimize Credit Cards Optimize other investments Financial Planning
  • Optimize Stocks WHAT ARE ULIPs? Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Thats It? Optimize Credit Cards Optimize other investments Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments WHAT ARE ULIPs? ULIPs are Unit Linked Plans. They mix Life insurance, investments and LINK with Stock Market. You get life insurance, tax advantage & superb returns.. HOW? Because the investments are done in STOCK MARKETS Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments WHAT ARE ULIPs? ULIPs are Unit Linked Plans. They mix Life insurance, investments and LINK with Stock Market. You get life insurance, tax advantage & superb returns.. HOW? Because the investments are done in STOCK MARKETS Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments WHAT ARE ULIPs? ULIPs are Unit Linked Plans. They mix Life insurance, investments and LINK with Stock Market. You get life insurance, tax advantage & superb returns.. HOW? Because the investments are done in STOCK MARKETS Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments WHAT ARE ULIPs? ULIPs are Unit Linked Plans. They mix Life insurance, investments and LINK with Stock Market. You get life insurance, tax advantage & superb returns.. HOW? Because the investments are done in STOCK MARKETS Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments WHAT ARE ULIPs? ULIPs are Unit Linked Plans. They mix Life insurance, investments and LINK with Stock Market. You get life insurance, tax advantage & superb returns.. HOW? Because the investments are done in STOCK MARKETS Financial Planning
  • Optimize Stocks WHAT ARE ULIPs? In short, Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Like me, ULIPs are not suitable for common man. ULIPs are for market and stock tycoons, Who can manipulate market very well.. LOST INTEREST IN ULIPs? Good ! Move to next topic SKIP these ULIPs Financial Planning
  • Optimize Stocks WHAT ARE ULIPs? In short, Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Like me, ULIPs are not suitable for common man. ULIPs are for market and stock tycoons, Who can manipulate market very well.. LOST INTEREST IN ULIPs? Good ! Move to next topic SKIP these ULIPs Financial Planning
  • Optimize Stocks WHAT ARE ULIPs? In short, Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Like me, ULIPs are not suitable for common man. ULIPs are for market and stock tycoons, Who can manipulate market very well.. LOST INTEREST IN ULIPs? Good ! Move to next topic SKIP these ULIPs Financial Planning
  • Optimize Stocks WHAT ARE ULIPs? In short, Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Like me, ULIPs are not suitable for common man. ULIPs are for market and stock tycoons, Who can manipulate market very well.. LOST INTEREST IN ULIPs? Good ! Move to next topic SKIP these ULIPs Financial Planning
  • Optimize Stocks WHAT ARE ULIPs? In short, Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Like me, ULIPs are not suitable for common man. ULIPs are for market and stock tycoons, Who can manipulate market very well.. LOST INTEREST IN ULIPs? Good ! Move to next topic SKIP these ULIPs Financial Planning
  • Optimize Stocks WHAT ARE ULIPs? In short, Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Like me, ULIPs are not suitable for common man. ULIPs are for market and stock tycoons, Who can manipulate market very well.. LOST INTEREST IN ULIPs? Good ! Move to next topic SKIP these ULIPs Financial Planning
  • Optimize Stocks WHAT ARE ULIPs? In short, Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Like me, ULIPs are not suitable for common man. ULIPs are for market and stock tycoons, Who can manipulate market very well.. LOST INTEREST IN ULIPs? Good ! Move to next topic SKIP these ULIPs Financial Planning
  • Optimize Stocks WHAT ARE ULIPs? In short, Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments ULIPs are not suitable for common man. Like me, ULIPs are for market and stock tycoons, Who can manipulate market very well.. LOST INTEREST IN ULIPs? Good ! Move to next topic SKIP these ULIPs Still INTERESTED in ULIPs ? Then lets continue.. Financial Planning
  • Years 2004-2007 Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments ULIPs had some fine rules Buyers should have checked Sellers should have told customers Customers should have asked all things No one performed well and, Customers got trapped Such customers could not afford ULIPs Financial Planning
  • Years 2004-2007 Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments ULIPs had some fine rules Buyers should have checked Sellers should have told customers Customers should have asked all things No one performed well and, Customers got trapped Such customers could not afford ULIPs Financial Planning
  • Years 2004-2007 Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments ULIPs had some fine rules Buyers should have checked Sellers should have told customers Customers should have asked all things No one performed well and, Customers got trapped Such customers could not afford ULIPs Financial Planning
  • Years 2004-2007 Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments ULIPs had some fine rules Buyers should have checked Sellers should have told customers Customers should have asked all things No one performed well and, Customers got trapped Such customers could not afford ULIPs Financial Planning
  • Years 2004-2007 Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments ULIPs had some fine rules Buyers should have checked Sellers should have told customers Customers should have asked all things No one performed well and, Customers got trapped Such customers could not afford ULIPs Financial Planning
  • Years 2004-2007 Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments ULIPs had some fine rules Buyers should have checked Sellers should have told customers Customers should have asked all things No one performed well and, Customers got trapped Such customers could not afford ULIPs Financial Planning
  • Years 2004-2007 Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Top Selling Points of ULIPs: Selling Point 1/3: Short Term Product Stop paying premium after 3 years Huge Charges in initial years People got shocked after many years Optimize other investments Financial Planning
  • Years 2004-2007 Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Top Selling Points of ULIPs: Selling Point 1/3: Short Term Product Stop paying premium after 3 years Huge Charges in initial years People got shocked after many years Optimize other investments Financial Planning
  • Years 2004-2007 Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Top Selling Points of ULIPs: Selling Point 1/3: Short Term Product Stop paying premium after 3 years Huge Charges in initial years People got shocked after many years Optimize other investments Financial Planning
  • Years 2004-2007 Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Top Selling Points of ULIPs: Selling Point 1/3: Short Term Product Stop paying premium after 3 years Huge Charges in initial years People got shocked after many years Optimize other investments Financial Planning
  • Years 2004-2007 Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Top Selling Points of ULIPs: Selling Point -2/3: Additional benefit of Life Insurance It is FREE! Mortality charges are reduced each year Optimize other investments Financial Planning
  • Years 2004-2007 Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Top Selling Points of ULIPs: Selling Point -2/3: Additional benefit of Life Insurance It is FREE! Mortality charges are reduced each year Optimize other investments Financial Planning
  • Years 2004-2007 Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Top Selling Points of ULIPs: Selling Point -2/3: Additional benefit of Life Insurance It is FREE! Mortality charges are reduced each year Optimize other investments Financial Planning
  • Years 2004-2007 Optimize Stocks Top Selling Points of ULIPs: Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Selling Point -3/3: It will give EXCELLENT returns! Easy to switch b/w equity & debt funds Growth in money Anyone can do it The actual complexity cursed many people. Financial Planning
  • Years 2004-2007 Optimize Stocks Top Selling Points of ULIPs: Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Selling Point -3/3: It will give EXCELLENT returns! Easy to switch b/w equity & debt funds Growth in money Anyone can do it The actual complexity cursed many people. Financial Planning
  • Years 2004-2007 Optimize Stocks Top Selling Points of ULIPs: Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Selling Point -3/3: It will give EXCELLENT returns! Easy to switch b/w equity & debt funds Growth in money Anyone can do it The actual complexity cursed many people. Financial Planning
  • Years 2004-2007 Optimize Stocks Top Selling Points of ULIPs: Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Selling Point -3/3: It will give EXCELLENT returns! Easy to switch b/w equity & debt funds Growth in money Anyone can do it The actual complexity cursed many people. Financial Planning
  • Years 2004-2007 Optimize Stocks Top Selling Points of ULIPs: Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Selling Point -3/3: It will give EXCELLENT returns! Easy to switch b/w equity & debt funds Growth in money Anyone can do it The actual complexity cursed many people. Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments ULIPs are long term financial products Investments are done in stocks Not suitable for those who: Dont know various features And, switching options in ULIPs And, when to switch It is widely said: Pay the premium and wait for years to perform Its not like this, Various charges may bring down returns Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments ULIPs are long term financial products Investments are done in stocks Not suitable for those who: Dont know various features And, switching options in ULIPs And, when to switch It is widely said: Pay the premium and wait for years to perform Its not like this, Various charges may bring down returns Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments ULIPs are long term financial products Investments are done in stocks Not suitable for those who: Dont know various features And, switching options in ULIPs And, when to switch It is widely said: Pay the premium and wait for years to perform Its not like this, Various charges may bring down returns Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments ULIPs are long term financial products Investments are done in stocks Not suitable for those who: Dont know various features And, switching options in ULIPs And, when to switch It is widely said: Pay the premium and wait for years to perform Its not like this, Various charges may bring down returns Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments ULIPs are long term financial products Investments are done in stocks Not suitable for those who: Dont know various features And, switching options in ULIPs And, when to switch It is widely said: Pay the premium and wait for years to perform Its not like this, Various charges may bring down returns Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments ULIPs are long term financial products Investments are done in stocks Not suitable for those who: Dont know various features And, switching options in ULIPs And, when to switch It is widely said: Pay the premium and wait for years to perform Its not like this, Various charges may bring down returns Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments ULIPs are long term financial products Investments are done in stocks Not suitable for those who: Dont know various features And, switching options in ULIPs And, when to switch It is widely said: Pay the premium and wait for years to perform Its not like this, Various charges may bring down returns Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments ULIPs are long term financial products Investments are done in stocks Not suitable for those who: Dont know various features And, switching options in ULIPs And, when to switch It is widely said: Pay the premium and wait for years to perform Its not like this, Various charges may bring down returns Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments ULIPs are long term financial products Investments are done in stocks Not suitable for those who: Dont know various features And, switching options in ULIPs And, when to switch It is widely said: Pay the premium and wait for years to perform Its not like this, Various charges may bring down returns Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments ULIPs are long term financial products Investments are done in stocks Not suitable for those who: Dont know various features And, switching options in ULIPs And, when to switch It is widely said: Pay the premium and wait for years to perform Its not like this, Various charges may bring down returns Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments How to Cleanup ULIPs ? Best way you ask? STOP THEM ! Most policies return 100% after 5th year. Completed 5 years? Take current worth and, make suitable use Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments How to Cleanup ULIPs ? Best way you ask? STOP THEM ! Most policies return 100% after 5th year. Completed 5 years? Take current worth and, make suitable use Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments How to Cleanup ULIPs ? Best way you ask? STOP THEM ! Most policies return 100% after 5th year. Completed 5 years? Take current worth and, make suitable use Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments How to Cleanup ULIPs ? Best way you ask? STOP THEM ! Most policies return 100% after 5th year. Completed 5 years? Take current worth and, make suitable use Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments How to Cleanup ULIPs ? Best way you ask? STOP THEM ! Most policies return 100% after 5th year. Completed 5 years? Take current worth and, make suitable use Financial Planning
  • OPTIMIZE CREDIT CARDS Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments CHARMING ? Financial Planning
  • Optimize Stocks Lets Deal with CHARMS first.. Optimize ULIPs Many people have lots of credit cards The higher the number, the higher is credit limit Different credit cards, various benefits Offers in terms of cash back Bonus Points Optimize Credit Cards BEST CHARM IS: Optimize Mutual Funds Optimize Bank Accounts Optimize other investments DOUBLE EDGED SWORDS !!! Financial Planning
  • Optimize Stocks Lets Deal with CHARMS first.. Optimize ULIPs Many people have lots of credit cards The higher the number, the higher is credit limit Different credit cards, various benefits Offers in terms of cash back Bonus Points Optimize Credit Cards BEST CHARM IS: Optimize Mutual Funds Optimize Bank Accounts Optimize other investments DOUBLE EDGED SWORDS !!! Financial Planning
  • Optimize Stocks Lets Deal with CHARMS first.. Optimize ULIPs Many people have lots of credit cards The higher the number, the higher is credit limit Different credit cards, various benefits Offers in terms of cash back Bonus Points Optimize Credit Cards BEST CHARM IS: Optimize Mutual Funds Optimize Bank Accounts Optimize other investments DOUBLE EDGED SWORDS !!! Financial Planning
  • Optimize Stocks Lets Deal with CHARMS first.. Optimize ULIPs Many people have lots of credit cards The higher the number, the higher is credit limit Different credit cards, various benefits Offers in terms of cash back Bonus Points Optimize Credit Cards BEST CHARM IS: Optimize Mutual Funds Optimize Bank Accounts Optimize other investments DOUBLE EDGED SWORDS !!! Financial Planning
  • Optimize Stocks Lets Deal with CHARMS first.. Optimize ULIPs Many people have lots of credit cards The higher the number, the higher is credit limit Different credit cards, various benefits Offers in terms of cash back Bonus Points Optimize Credit Cards BEST CHARM IS: Optimize Mutual Funds Optimize Bank Accounts Optimize other investments DOUBLE EDGED SWORDS !!! Financial Planning
  • Optimize Stocks Lets Deal with CHARMS first.. Optimize ULIPs Many people have lots of credit cards The higher the number, the higher is credit limit Different credit cards, various benefits Offers in terms of cash back Bonus Points Optimize Credit Cards BEST CHARM IS: Optimize Mutual Funds Optimize Bank Accounts Optimize other investments DOUBLE EDGED SWORDS !!! Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Lets Deal with CHARMS first.. Many people have lots of credit cards The higher the number, the higher is credit limit Different credit cards, various benefits Offers in terms of cash back Bonus Points Always, pay back later BEST CHARM IS: DOUBLE EDGED SWORDS !!! Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Lets Deal with CHARMS first.. Many people have lots of credit cards The higher the number, the higher is credit limit Different credit cards, various benefits Offers in terms of cash back Bonus Points Always, pay back later BEST CHARM : DOUBLE EDGED SWORDS !!! Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments Lets Deal with CHARMS first.. Many people have lots of credit cards The higher the number, the higher is credit limit Different credit cards, various benefits Offers in terms of cash back Bonus Points Always, pay back later BEST CHARM : DOUBLE EDGED SWORDS !!! Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Credit Cards You Ask ? Bad Habit! Optimize Credit Cards Optimize other investments Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Credit Cards You Ask ? Bad Habit! Optimize Credit Cards Optimize other investments Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Spend on things you dont really need Can let you into debt trap You overspend Dont pay on time It takes lot of time to come out of debt Credit cards can create HAVOC! Optimize other investments Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Spend on things you dont really need Can let you into debt trap You overspend Dont pay on time It takes lot of time to come out of debt Credit cards can create HAVOC! Optimize other investments Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Spend on things you dont really need Can let you into debt trap You overspend Dont pay on time It takes lot of time to come out of debt Credit cards can create HAVOC! Optimize other investments Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Spend on things you dont really need Can let you into debt trap You overspend Dont pay on time It takes lot of time to come out of debt Credit cards can create HAVOC! Optimize other investments Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Spend on things you dont really need Can let you into debt trap You overspend Dont pay on time It takes lot of time to come out of debt Credit cards can create HAVOC! Optimize other investments Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Spend on things you dont really need Can let you into debt trap You overspend Dont pay on time It takes lot of time to come out of debt Credit cards can create HAVOC! Optimize other investments Financial Planning
  • Optimize Stocks Myth of Minimum Payment Optimize Mutual Funds What most people understand it is: Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards A favor from Credit Card company Pay minimum balance per month And, keep increase the debt on credit card Optimize other investments Financial Planning
  • Optimize Stocks Myth of Minimum Payment Optimize Mutual Funds What most people understand it is: Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards A favor from Credit Card company Pay minimum balance per month And, keep increase the debt on credit card Optimize other investments Financial Planning
  • Optimize Stocks Myth of Minimum Payment Optimize Mutual Funds What most people understand it is: Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards A favor from Credit Card company Pay minimum balance per month And, keep increase the debt on credit card Optimize other investments Financial Planning
  • Optimize Stocks Myth of Minimum Payment Optimize Mutual Funds What most people understand it is: Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards A favor from Credit Card company Pay minimum balance per month And, keep increase the debt on credit card Optimize other investments Financial Planning
  • Optimize Stocks Myth of Minimum Payment Optimize Mutual Funds What most people understand it is: Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards A favor from Credit Card company Pay minimum balance per month And, keep increase the debt on credit card Optimize other investments Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Minimum Payment in Credit Cards Amount to pay on credit card bill It is to avoid penalty charges for non-payment But, interest is charged on dues Optimize other investments Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Minimum Payment in Credit Cards Amount to pay on credit card bill It is to avoid penalty charges for non-payment But, interest is charged on dues Optimize other investments Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Minimum Payment in Credit Cards Amount to pay on credit card bill It is to avoid penalty charges for non-payment But, interest is charged on dues Optimize other investments Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Minimum Payment in Credit Cards Amount to pay on credit card bill It is to avoid penalty charges for non-payment But, interest is charged on dues Optimize other investments Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs An Example ? Okay. Optimize Credit Cards Optimize other investments Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Credit Card Bill: Rs. 20,000 Minimum Payment: Rs. 1,000 We can do 3 things in this case.. Optimize Credit Cards Optimize other investments Financial Planning
  • 1. Make the full payment of Rs. 20,000 Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments 2. Dont pay anything Penalty of Rs. 1,000 will be applied Added to your dues Interest will be charged on dues 3. Make min. payment of Rs. 1,000 No penalty will be charged But, interest is charged on debt Financial Planning
  • 1. Make the full payment of Rs. 20,000 Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments 2. Dont pay anything Penalty of Rs. 1,000 will be applied Added to your dues Interest will be charged on dues 3. Make min. payment of Rs. 1,000 No penalty will be charged But, interest is charged on debt Financial Planning
  • 1. Make the full payment of Rs. 20,000 Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments 2. Dont pay anything Penalty of Rs. 1,000 will be applied Added to your dues Interest will be charged on dues 3. Make min. payment of Rs. 1,000 No penalty will be charged But, interest is charged on debt Financial Planning
  • 1. Make the full payment of Rs. 20,000 Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments 2. Dont pay anything Penalty of Rs. 1,000 will be applied Added to your dues Interest will be charged on dues 3. Make min. payment of Rs. 1,000 No penalty will be charged But, interest is charged on debt Financial Planning
  • 1. Make the full payment of Rs. 20,000 Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments 2. Dont pay anything Penalty of Rs. 1,000 will be applied Added to your dues Interest will be charged on dues 3. Make min. payment of Rs. 1,000 No penalty will be charged But, interest is charged on debt Financial Planning
  • 1. Make the full payment of Rs. 20,000 Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments 2. Dont pay anything Penalty of Rs. 1,000 will be applied Added to your dues Interest will be charged on dues 3. Make min. payment of Rs. 1,000 No penalty will be charged But, interest is charged on debt Financial Planning
  • 1. Make the full payment of Rs. 20,000 Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments 2. Dont pay anything Penalty of Rs. 1,000 will be applied Added to your dues Interest will be charged on dues 3. Make min. payment of Rs. 1,000 No penalty will be charged But, interest is charged on debt Financial Planning
  • 1. Make the full payment of Rs. 20,000 Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments 2. Dont pay anything Penalty of Rs. 1,000 will be applied Added to your dues Interest will be charged on dues 3. Make min. payment of Rs. 1,000 No penalty will be charged But, interest is charged on debt Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments WHAT TO DO ? Keep very few credit cards Control the spending behavior Understand credit limits 6 cards Rs. 20,000 each = Limit of Rs. 1,20,000 Or say, 2 cards Rs. 60,000 each = Limit of Rs. 1,20,000 Choice is yours, Always. Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments WHAT TO DO ? Keep very few credit cards Control the spending behavior Understand credit limits 6 cards Rs. 20,000 each = Limit of Rs. 1,20,000 Or say, 2 cards Rs. 60,000 each = Limit of Rs. 1,20,000 Choice is yours, Always. Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments WHAT TO DO ? Keep very few credit cards Control the spending behavior Understand credit limits 6 cards Rs. 20,000 each = Limit of Rs. 1,20,000 Or say, 2 cards Rs. 60,000 each = Limit of Rs. 1,20,000 Choice is yours, Always. Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments WHAT TO DO ? Keep very few credit cards Control the spending behavior Understand credit limits 6 cards Rs. 20,000 each = Limit of Rs. 1,20,000 Or say, 2 cards Rs. 60,000 each = Limit of Rs. 1,20,000 Choice is yours, Always. Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments WHAT TO DO ? Keep very few credit cards Control the spending behavior Understand credit limits 6 cards Rs. 20,000 each = Limit of Rs. 1,20,000 Or say, 2 cards Rs. 60,000 each = Limit of Rs. 1,20,000 Choice is yours, Always. Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments WHAT TO DO ? Keep very few credit cards Control the spending behavior Understand credit limits 6 cards Rs. 20,000 each = Limit of Rs. 1,20,000 Or say, 2 cards Rs. 60,000 each = Limit of Rs. 1,20,000 Choice is yours, Always. Financial Planning
  • Optimize Stocks Optimize Mutual Funds Optimize Bank Accounts Optimize ULIPs Optimize Credit Cards Optimize other investments WHAT TO DO ? Keep very few credit cards Control the spending behavior Understand credit limits 6 cards Rs. 20,000 each = Limit of Rs. 1,20,000 Or say, 2 cards Rs. 60,000 each = Limit of Rs. 1,20,000 Choice is yours, Always. Financial Planning
  • Optimize Stocks Optimize

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