Financial Planning For Individual PDF

7/11/13 Financial Planning for individual
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p.
A
“STUDY OF INDIVIDUAL FINANCIAL PLANNING”
A detailed study done

in
“RELIANCE MONEY”
BATCH: 2008-2010
Under the guidance of

DR. GOVIND SHINDE
www.scribd.com/doc/23315617/Financial-Planning-for-individual 1/70
ACKNOWLEDGEMENT
With regard to my Project, I would like to thank each and every one who offered help,
guideline and support whenever required.
First and foremostI would like to express my deepest gratitude to MR. AMIT
NALAWADE, Centre Manager, Household, Reliance Money for his valuable time and
advice in the making of this project. Without his support and guidance, the completion of
this project would not have been possible.
The faculty members of B.V.I.M.I.T. who provided me with valuable insights into the
completion of this project. Especially, my mentor DR. GOVIND SHINDE, who extended
his guidance and support for bringing out this report in the best possible way.
I thank my institute, B.V.I.M.I.T., for providing me a platform to work with the leading
business house in India. I also want to thank my batch mates who have helped me in
getting acquainted with various aspects during the project.
Finally, not forgetting the staff of Reliance Money, I thank them all, for providing me with
all the information required and co-operating in every possible way that they could.
SWAPNIL JADHAV
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EXECUTIVE SUMMARY
Financial planning is the process of assessing financial goals of individual, taking an

inventory of the money and other assets which the person have, determine life goals and
then take necessary steps to achieve goals in the stipulated period. It is a method of
quantifying a person’s requirement in terms of money.
It was a great opportunity to work with ADA Group, India’s leading business group.
Reliance Money a subsidiary of Reliance Capital is among top financial companies. We
will get to know the organisational structure and various business models of the company.
The business of Reliance Money can be broadly classified as Trading, Distribution and
OTC Service.
Financial services refer to services provided by the finance industry. The finance industry
encompasses a broad range of organizations that deal with the management of money.
Among these organizations are banks, credit card companies, insurance companies,
consumer finance companies, stock brokerages, investment funds and some government
sponsored enterprises. Financial Planning is one such advisory service, which is yet to get
recognition from investors. Although financial planning is not a new concept, it just needs
to be conducted in organized manner. Today we avail this service from Insurance agent,
Mutual fund agents, Tax consultant, Equity Brokers, Chartered Accountants, etc. Different
agents provide different services and product oriented. Financial Planner on other hand is a
service provider which enables an individual to select proper product mix for achieving
their goals.
The major things to be considered in financial planning are time horizon to achieve life
goals, identify risk tolerance of client, their liquidity need, the inflation which would eat up
living and decrease standard of living and the need for growth or income. Keeping all this
in mind financial planning is done with six step process. This are self assessment of client,
identify personal goals and financial goals and objective, identify financial problems and
opportunities, determining recommendations and alternative solutions, implementation of
appropriate strategy to achieve goals and review and update plan periodically.
A good financial plan includes Contingency planning, Risk Planning (insurance), Tax
Planning, Retirement Planning and Investment and Saving option.
Contingency planning is the basic of financial planning and also the most ignored.
Contingency planning is to be prepared for major unforeseen event if it occurs. These
events can be illness, injury in family, loss of regular pay due to loss of job. Such events
are not certain but may have financial hardship if they occur. Thus a person should have
enough money in liquid form to cover this risk.
ii
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Financial Planning for individual

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Category: School Work > Essays & Theses
Rating: (4 Ratings)
Upload Date: 11/29/2009
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Amitav Mohapatra2 months ago
hey swapnil can you please mail me this project at amitavmohapatra09@gmail.com asap please.
spikedudley11 months ago
hey need this project urgently pls mail me asap devilzvorha@gmail.com pls!!!
Akhil Gaura year ago
please someone mail me d same akhilgour@gmail.com need ds urgently excellent work ds z
Saurabh Bishta year ago
Hey m still waitin for this .... so can u plz mail it to me asap........ thnx for ur help
raj57203 years ago
hey uddy nice piece of work can u please mail me same at raj5720@gmail.com thanks
silicon1433 years ago
hey nice work dude..pls send it 2 me at subhayubuzz@gmail.com
santosh_aicar3 years ago
hello, I need this report. so can you please send me this report via email. my email - santosh_aicar@rediffmail.com
Akshay Vartaka year ago
Hello my friend your project is best.....please send me the same copy to akshayvart@gmail.com
Rajat Verma2 years ago
Swapnil,your project is very good,can you please mail me this to me... rajatvermamba@gmail.com and if you have any other topic of finance as a research project ,send me on my id
Gaurav Vashishta year ago
hey send this project on gv7938@gmail.com
Milan Jaina year ago
hey swapnil can u please send me this document at my email id i.e., milanjain_9@yahoo.co.in i ll be highly obliged...thanks...
mohitmalhotraasm3 years ago
someone plz send me the above project...thanks my e mail id is mohitmalhotra.asm@gmail.com
loyd_serraoa year ago
Please send this project to my email id. loydjust4u@gmail.com . Thank you
Aniruddha Patila year ago
hiii nice work... can you plz mail teh project at aniruddhapatil2000@gmail.com .... thanks
Mudit Dhawana year ago
i m doing the same work in my internship,can u please send the copy of this project to my mail ID mudit.dhawan89@gmail.com
Gaurav_badgria7 months ago
hey swapnil, u have done extraordinary ork .......Plz mail me d same on gaurav.badgria@yahoo.com Need dis urgently. Thanks alot
Nishit Mehtaa year ago
hey can u mail me this project on nishit_urs@yahoo.com its very urgent
Saurabh Bishta year ago
Can u Plzzz send the project to me at saurabh011usitcse@gmail.com. THanx
neham17103 years ago
an excellent and comprehensive report! Could u kindly give me an access to it? My id is neham1710@gmail.com.Regards.
spikedudley11 months ago
guys pls some1 mail me this project???? pls devilzvorha@gmail.com
Badal Shah3 years ago
Heloo Swapnil i read your Doc it was amazing can you please mail me this i m also looking for something like this if you can please mail me on my Email id :- bhavik13shah@gamil.com
or badal_smiley@yahoo.co.in.. it would be very helpful if you forward it .Thanks
Anand Murarkaa year ago
please send me a similar project to me @ murarkaanand@yahoo.com
Lokesh S Papdiwala year ago
can u send this project to me at lokesh.papdiwal@gmail.com
Shiva Prasad Da year ago
someone plz send me the above project...thanks my e mail id is dsp3357@yahoo.co.in it's very urgent..
sushilkadama year ago
Swapnil,your project is very good,can you please mail me this to me..sushil.kadam@vishay.com
job4ravi2 years ago
Hello Swapnil i read your project it was amazing can you please mail me this i m also looking for something like this if you can please mail me on my Email id :- trcphani@rediffmail.com
devkaranrai3 years ago
can you please send ur project on my id my project work is related to this topic my id is nitishrai36@gmail.com
Vipin Kumar2 years ago
hello friends...if any one have this project or any project similar to this please send to this email id : vipinkmr44@yahoo.com thank you.
ADITYA MAHAJAN3 years ago
hi... hv grt work could u help me i my projects.......kindlly email me mahajan.aditya87@gmail.com
fahdaya3 years ago
thnx. frnd fr ur project. i got an idea nw, about my project topic.
amyleo283 years ago
thanks alot buddy for the project, i have now got the framework for mine as well..
fahdaya3 years ago
i need a project report on, role of financial planning in financial advisory business, plz, forward it if u have
Priyanka Patila year ago
can u please send me this project to my email id . priyanka.dhande20@gmail.com i am doing same project in my summer internship.....
Banda Krishna Kishore Reddy5 months ago
hey swapnil, you done good hard work in project..... Please can u send me report to me bandakrishnareddy@gmail.com its important to me
Manish Teewary10 months ago
hey swapnil, u have make very nice project ....... mail me d same mkt.teewary69@gmail.com need ds urgently excellent work ds z
Ram Gopal3 years ago
hey i need this report can you just mail me the same on ramgopal34b@gmail.com. thanks
Shruti Chothe8 months ago
hi swapnil,,can u mail me this project please?? it's very urgent,,please shrutikachothe@gmail.com thanx in advance
jagadishb313 years ago
Please Please Please Please Send me the report at my email id jagadishb31@gmail.com
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7/11/13 Financial Planning for individual

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“STUDY OF INDIVIDUAL FINANCIAL PLANNING”

A detailed study done

Under the guidance of

Financial planning is the process of assessing financial goals of individual, taking an

Best Investment Plans

Financial Planning for individual

Get Scribd Mobile

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Info and Rating

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© Copyright 2013 Scribd Inc.

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