Personal Financial Management
Sources: www.kpmg.com
Fintech Sector• The global Fintech software and
services sector is expected to boom as a USD 45 billion by 2020, growing at a CAGR of 7.1% as per NASSCOM
• The Indian Fintech software market is forecasted to touch USD 2.4 billion by 2020 from a current USD 1.2 billion, as per NASSCOM
• The transaction value for the Indian Fintech sector is estimated to be approximately USD 33 billion in 2016 and is forecasted to reach USD 73 billion in 2020 growing at a five-year CAGR of 22%
2013 2014 20150
500
1000
1500
2000
2500
3000
3500
258.26
983.85
3051.23
Fintech Investments in India (In cr.)
7 Fintech Themes
Source: www.kpmg.com
Next Generation Payments
P2P Lending
Blockchain
Robo-advisor
y
Financial Inclusion
Security &
Biometrics
Bank in a box
Large Fintech Fundings in IndiaPlayers Business Category Investment Period Deal ValuePaytm M-Wallet/Gateway Feb, 2015 USD 890 Mn
Mobikwik M-Wallet May, 2016 USD 86.85 Mn (total)Billdesk Payment Aggregator Mar, 2016 USD 157.5 Mn (Total) A leading Indian Fintech portal
Marketplace for loans and insurance products
Jul, 2016 USD 79 Mn (total)
Financial Software and Systems Pvt. Ltd.
Financial Planning Oct, 2014 USD 57 Mn
Policybazaar Insurance Apr, 2015 USD 69.6 Mn (total)
Freecharge M-Wallet/Gateway Feb, 2015 USD 113 Mn (total)source: www.kpmg.com
Innovage Fintech pvt ltd
• Innovage Fintech Pvt. Ltd. owns and operates an online financial planning and management platform
• Its services include financial planning calculator, wealth management services, financial planning services and solutions, financial planning advisory services, financial planning analysis, financial reporting analysis, investment portfolio management services, mutual funds investment, and short term investment plans
Source: www.5nance.com
Source; www.5nance.com
Brand Partners
Source; www.5nance.com
5 USP of 5nance• Offer all kind of financial products like MF, Health insurance, Term
insurance, Bank FD, Corp FD, and all kind of Loans• Their investment recommendations are backed by Strong Research
Methodology• Risk profiling of their investors to categories them into one of the
five risk profiles and based on individual risk profile and as per the investment horizon they suggest best suitable schemes
• 5nance have created the financial calculators such as Tax Planning, goal Planning, retirement planning to calculate future goal value
• 5nance is offering all these services free of cost
Product offerings of the company
Equity SIP
Retirement Plan Tax-Max
Loans Term Insurance
Goal Planning
Health Insurance
www.5nance.com
Personal financial management• Personal finance is the application of the principles of finance to
the monetary decisions of an individual or family unit• It addresses the ways in which individuals or families obtain,
budget, save and spend monetary resources over time, taking into account various financial risks and future life events
Personal financial management contd.
• Different people have different habit & needs
GoalsReturn expectationsRisk appetiteStatus IncomeExpensesSurplusAccumulated wealth
Risk stage
Life stage & risk-returnAge Range Goals Returns
ExpectationsRisk Appetite Liquidity
20-30 Education, Marriage, Holiday
High High Low
30-40 Children Education, Insurance
Moderately High Moderately High Moderately Low
40-50 Children Marriage, Retirement
Balanced Balanced Balanced
50-60 Retirement Moderately Low Moderately Low Moderately High
>60 Holidays, Estate Planning
Low Low High
Risk Return products
Bank A/c, FD, RD
PPF, NSC
Liquid (MF-Debt)
Equity (Stocks)
Corp. Bonds
Gold Commodities
Real Estate (Physical)
Equity (MFs)
4-5%
16-21%
16-20%
10-12%
10%
8.5%
8-10%
Risk HighLow
High
Lo
w Re
turn
s
8.5%
Conclusion• Money is one form of power, but what is more powerful is financial
education. Money comes and goes, but if we have the education about how money works, we can gain power over it and can begin building wealth
• We should know our risk profile and based on that we should take decision for investment
• Should analyze our portfolio every quarter• It is better to diversify the portfolio, rather than putting money into
one basket only• Every financial product carry different risk, therefore we should
analyze them before investing into any financial instrument