8/14/2019 Financial Planning - The Need of the Tough Time

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FinancialPlanning

TheNEED

of

the

TOUGH

TIME

Presentedby,

KaushalMandalia

8/14/2019 Financial Planning - The Need of the Tough Time

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TheTOUGHTIMEStockMarketDownby70%

InvestorslosttheirConfidence.

JobCUT:FurtherLeadstoNegativeImpactonDEMAND

UncertainTIME,UncertainFUTURE.

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WhataretheEFFECTS?

1. Portfolio Value at Rock Bottom if

Invested most of the money in

.

2. No Fresh Demand is Creating

roug or qu y .

3. Supply is Higher than DEMAND

hence, Increased possibilities of

Stock Market Going Down further.

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DoyouNEEDtoWORRY?DoyouNEEDtoWORRY?

If your Portfolio is UNSTABLE

You s ou e worrie

If Your Portfolio is STABLE

8/14/2019 Financial Planning - The Need of the Tough Time

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Equity/MF/DebtUnstablean

ersort o o

Emergency

FundEquity

Market

Insurance

Mutual

Fund

DebtInstrument

Stable

EmergencyFund

nsurance ro ec on YoucanbeWORRYFREEifyourPortfolioisSTABLE

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THREEParameterstoCHECK

GOALorOBJECTIVE

..

LetsdefinethisClearly,DontExpect100%Returnat10%RISK

TIMEHORIZON

TheShortestTERMpossibletogetRETURNisonly

CALLMone Market

DefineTimeHorizonCLEARLY

8/14/2019 Financial Planning - The Need of the Tough Time

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GOALorObjectiveofINVESTMENTFinancialFinancial

Childseducationand

InsuranceInsuranceProtectionProtection

Creationofwealth,sothebestcan

beprovidedtothefamily

InvestmentInvestment

Moneyforemergencies

Anindependent

retiredlife

Legacyfor

future

generations

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Head+Heart=BuyingDECISION

RationalThinking

STRONGEmotionalConnect

Emotions QuestionGuaranteedReturnof10%orNonGuaranteedReturnof10%

FinancialLOGIC

Denial Nothingisgoingtohappento me

FEAR GodForbid

Returns,EconomicConditions,ProductComparisonRecommendationbyAdvisor,

oncern ow

muc

s

enoug

to nsure

FinancialSecurityformyFamily?

Loveand

Affection

Ilovemywifeandchildren verymuch.

FriendsandRelativesDetermination Iwantmydreamsformyfamilytobe

Ensured, regardlessof

what

happens

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RiskAppetite

OnlyDeadManDoesnothaveanyWorryorChallenges.Anonymous

, ,

have

ZERO

risk

of

losing

it

Risk Appetite is determined by How

much you are willing to give up with

your investment if possibility arises

..

Returns

Fixed Returns or Market Linked

Liquidity

With Lock in Period or Without

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InvestmentOptions

Insurance

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TimeHorizon

ShortTermInvestments (1Monthto2Yrs)

Avoi

Mar etLin e

an

Pre er

Fixe

Return

Sc emes

LongTermInvestments (Morethan2Yrs)

CanbeMarketLinkedbuthavingDiversifiedAssetAllocation

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Risk

EstatePlannin

Protectingyour

GOALSandDREAMS

a ainstAn

UncertaintiesCovered

WholeLifePolicies

MWPAct

Uncertainty

Accident

Disability

Sickness

Nomination

AbsoluteAssignment

RetirementPlanning

PensionSchemes

TaxPlanningand

Employee

Benefits

Section80C

Choiceof

Asset

Allocation(Debt,

E uit ,Market

Deferred

SuperAnnuation

Section80D

Tax

Free

Maturity

LinkedReturnswith

CapitalProtection)

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DYNAMICFLOORFUNDDYNAMICFLOORFUND

Bullish(Jan07to Bearish(Dec07

Dec07) toDec08)

Sensex 13827to20288 20286to9832

Fun inFOCUS

FloorFund

Last2Years

Performance

Bullish Jan07toDec07 Bearish Dec07toDec08

%CAGR

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DynamicFloorFund UniqueAdvantageDynamicFloorFund UniqueAdvantage

Availablewith

KotakLife

Insurance Head

CapitalProtection Returns

StartPlans

1. GoalOriented:ChildEducation,MarriageandStartinLifeExpense

2. Ris Appetite:LowRis Mo erateReturn.Protection+Growt

3. TimeHorizon:AdvisableforMinimumTenureof10Years

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FinancialIndependence..FinancialIndependence..

Thou htful Plannin

StablePortfolio

EmergencyRetirement

Critical

Other

Financial

Independence

ness

Disability Savings

IncomeEducation

uponDeathFun s

Accident&Hospitalization

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SleepBetteratNight

With

RightFinancial

Advise

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repare y,

KaushalR.

Mandalia

AssociateFinancialPlannerRiskManagement&InsurancePlanning

kaushal the inancial lanners.in