Financial Planning

K.
Gandhi Present
Financial Planning
www.kgandhi.anindia.com
What is Financial Planning?
A financial plan is an assessment of your current financial

situation and steps to improve it in future.
It is a forward looking document, taking into consideration your

needs, goals and requirements based on certain assumptions.
A systematic approach to plan your finances the need-based

way.
A continuous process driven to reflect the necessary changes

at the micro and macro level. If you fail to plan, you plan to fail.
CASH FLOW
ANALYSIS
RISK
ESTATE
MANAGEMENT
PLANNING
FINANCIAL
PLANNING
RETIREMENT
TAX
PLANNING
PLANNING
INVESTMENT
STRATEGY
Financial Planning? A holistic approach.

What is Cash Flow Planning?
In simple terms, cash flow refers to the inflow and outflow of

money. It is a record of your income and expenses. Though
simple very few people actually keep a track.
The base of any financial plan is a cash flow projection which if

negative could prove to be dangerous.
Cash flows mirror your financial future and outline the perils if
systematic and disciplined investments are not taken place.
You could easily find yourself in a debt trap if proper cash flow
planning is not on your agenda.
Cash Flows For The Working Class

PERSONAL
EXPENSES
HOUSEHOLD
EXPENSES
INCOME
INSURANCE
PREMIUM
EMIS
income expenses = savings

Risk Management
Identifying the shortfalls in your situation and strategies to

work on the same.
Going beyond traditional products like life insurance and health

plans.
Your life style and life cycle stage taken into consideration
before arriving at accurate figures of life insurance
requirement, not going by generic thumb rules.
Investment Planning
A feasible strategy to suit your needs & requirements.
Bifurcated in the asset allocation suitable to your age, timehorizon & risk-absorbing capacity.
Periodic reviews to incorporate necessary changes if the

situation so demands.
Constant updates with your portfolio statements to make you

feel secured & financially confident.
Tax Planning
Investments structured in a manner to achieve your long-term

goals bifurcated as per asset allocation and risk profile.
Investments with an objective of only to save taxes eliminated.
Commencing the tax planning activity well in advance, thereby

getting the opportunity to explore various options.
With sound advice and time at disposal, tax planning is not an

arduous task as it appears to be.
Retirement Planning
An area often ignored and overlooked.
Earmarking a certain % of your earnings towards building up

your retirement corpus in your working years.
Detailed calculations to enjoy a peaceful & stress-free

retirement in your golden years.
Taking into consideration inflation pre & post retirement and a

defensive strategy adopted in the later years.
Cash Flows For The Retired Class

PERSONAL
EXPENSES
Hence the need for

retirement corpus to be
built up in your working
life
NO
Goals could take the form

of overseas vacation,
charity, leaving an estate.
INCOME
HOUSEHOLD
EXPENSES
GOALS
Savings during working life need to be capitalized to build

up a sound retirement corpus. possible only through
prudent financial planning
Estate Planning
We strive hard our entire life to build an estate without much

giving thought to whom we need to pass it on.
Even reputed business families were not escaped. You are the
one who will decide who will get the property when you will not be
there. But is that enough.
Having a will and not updating it after change in mind-set does

not hold good.
Update it at regular intervals where ever applicable.
Why do you need 360 Financial Planning?
Complexity of Financial Products.
Ever changing Govt Policies, Taxation Laws.
Market Movements, Fluctuating Interest Rates.
Increasing Life Expectancy, No Social Security.
Overburden of Information but lack of need-based goal specific advice.
Too many products to choose from.
C
O
M
M
O
N
Dream House
Children Education
Wedding of Children
G
O
A
L
S
Wealth Creation
Comfortable Retired life
Passing Wealth to the

next generation
any many more.

Plan Implementation
The beauty of a plan lies in its implementation.

Many a times even though we may believe in the process we delay
our funding.
If in a liquidity crunch, start building up an emergency reserve
first and foremost.
If it is due to financial inertia then it is important to wake up and
take corrective steps at the right time for fulfillment of goals
and not to repent later.
Delay in investments not only make it difficult to achieve our goals
but also result in an increased outflow to make up for the
shortfall.
A plan not implemented is just a simple plain document losing its
essence in black and white.
Financial Planning Mantra

Plan Today Tomorrow may be too late
It is never too early to Plan and Execute. See the cost of postponement
of investment for the Goal of your Childs Education due after 15 years:
23,96,558
Monthly investment
required to achieve the
Goal
10,00,000
29,054
10,315
4,750
Goal
Amount
in
Present
Value
Future
Value of
Goal
If You
Start
Today
If You
Start
after 5
years
If You
Start
after 10
years
A Financial Plan gives you
Cash Flow Analysis

Risk Management Strategy
Asset Allocation
Tailor Made Investment Strategy
Tax Planning
Retirement Planning
Action Plan
Review of your Portfolio at periodic intervals
Portfolio Rebalancing
Need for Estate Planning
in addition to these numericals

peace of mind & sound sleep
K.Gandhi
your road map to

Financial Independence.
Financial Planning Service
FINANCIAL PLAN PREPERATION

IMPLEMENTAION
PORTFOLIO CONSTRUCTION
FINANCIAL PLAN PROGRESS REVIEW( HALF YEARLY)
QUARTERLY PORTFOLIO REVIEW & REBALANCING
CONSOLIDATE PORTFOLIO STATEMENT ONCE IN A
MONTH ( 12 PAGE REPORT OF YOUR PORTFOLIO)
ANNUAL TRANSATION STATEMENT
REGULAR AFTER SALES SUPPORT
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K.

What is Financial Planning?

A financial plan is an assessment of your current financial

It is a forward looking document, taking into consideration your

A systematic approach to plan your finances the need-based

A continuous process driven to reflect the necessary changes

Financial Planning? A holistic approach.

What is Cash Flow Planning?

In simple terms, cash flow refers to the inflow and outflow of

The base of any financial plan is a cash flow projection which if

Cash Flows For The Working Class

income expenses = savings

Identifying the shortfalls in your situation and strategies to

Going beyond traditional products like life insurance and health

A feasible strategy to suit your needs & requirements.

Periodic reviews to incorporate necessary changes if the

Constant updates with your portfolio statements to make you

Investments structured in a manner to achieve your long-term

Investments with an objective of only to save taxes eliminated.

Commencing the tax planning activity well in advance, thereby

With sound advice and time at disposal, tax planning is not an

An area often ignored and overlooked.

Earmarking a certain % of your earnings towards building up

Detailed calculations to enjoy a peaceful & stress-free

Taking into consideration inflation pre & post retirement and a

Cash Flows For The Retired Class

Hence the need for

Goals could take the form

Savings during working life need to be capitalized to build

We strive hard our entire life to build an estate without much

Having a will and not updating it after change in mind-set does

Update it at regular intervals where ever applicable.

Why do you need 360 Financial Planning?

Complexity of Financial Products.

Ever changing Govt Policies, Taxation Laws.

Market Movements, Fluctuating Interest Rates.

Increasing Life Expectancy, No Social Security.

Overburden of Information but lack of need-based goal specific advice.

Too many products to choose from.

Comfortable Retired life

Passing Wealth to the

any many more.

The beauty of a plan lies in its implementation.

Financial Planning Mantra

A Financial Plan gives you

Cash Flow Analysis

in addition to these numericals

your road map to

Financial Planning Service

FINANCIAL PLAN PREPERATION

Watch our knowledge based article on

Article related to RBI POLICY,europeon crises ,

Lets begin today.

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