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Finerva- Finerva Financial Solutions Pvt Ltd
Personal Financial Engineering
A presentation to the Officers and Staff of INS
Agrani
FinervaExperts in Personal Financial Engineering
Our Mission• Finerva is a professional group dedicated to educate
and support individuals in achieving financial freedom
Our Values• Commitment to build long term trust with our clients
and sustained thrust to their wealth creation
Our Background• Over ten years in training and practicing financial
planning
• Wide experience in different industry sectors
FinervaINS Agrani- A Need Analysis
Preferred investment modes Insurance – Endowment
Post Office DepositsProvident fund
Pension Planning Only a few (7/19)Children’s Plans From PF & Deposits (9/19)Risk Rating Medium – 8, Low & No Risk – 11Loans Low (5/19) Highest- 4,60,000. Lowest 6,000Average Age 33.6 yearsAverage Years to Retirement 6.8 yearsAverage savings per year Rs35,000/-Salary is the only source of income Most cases
FinervaKya aap bhi ye sochte hain? ki
Safest option in life is to get a secure job and stay there alwaysOnly doctors make a lot of moneySale! Sale! I buy always when there is a saleI will never understand how investing worksThey have a big house, they must be rich…There is not enough money for everyone to be richPeople who make mistakes are stupidFixed deposits are safer than stocksI will never be rich…Investing in stocks is gambling. Only crooks become crorepathis
FinervaMyths in Financial Management
Any investment with an element
of risk is bad• Factors to be considered while investing
• Returns
• Liquidity
• Safety
• Taxation
• Stock market returns over a period of time
FinervaRETURNS FROM VARIOUS ASSET CLASS
0
2
4
6
8
10
12
14
16
18
EQUITY DEBT GOLD
Finerva Sensex Returns since 1979
WORST RETURN
BEST RETURN
1 YEARHOLDINGPERIOD
WORST RETURN
BEST RETURN
5 YEARHOLDIN
G PERIOD
10 YEAR
HOLDING
PERIOD
BEST RETURN
WORST RETURN
+90% +44%
+32%
-26% -1%
+12%
FinervaMyth Number TWO
I will get pension when I retire.
I don’t need retirement planning.
• Expenses at the time of retirement
• Skill set for retirement
FinervaInflation means Rs 10,000 would be…
25937
67275
174494
0
20000
40000
60000
80000
100000
120000
140000
160000
180000
10 20 30
10%
8%
6%
FinervaMyth Number THREE
Gold jewels are an investment
• Cost of procurement, cost of disposal
• Growth in value only covers inflation
FinervaMyth Number FOUR
My house and vehicles are my
assets
• Cash flow diagram & explanation
• How they can be assets
FinervaCash flow diagram
FinervaMyth Number SEVEN
To become a crorepathi is difficult
• Possible with small amounts invested regularly
also, if you start early.
• Returns chart & savings amount
FinervaMyth Number SIX
Salary has to be my main source of
income.
• Types of People – 4
• Be an Investor / Businessman
• Leverage OPM, OPT
• Leverage Technology
FinervaFour Types of People
Employed
Finerva
Kaun banega Crorepati ???
Finerva
Aap Bhi ban sakthe hain
And Finerva is always here to help you…
Finerva- Finerva Financial Solutions Pvt Ltd
Questions ?
Thank you !!!