elsSMAte

Date
Page-

Name Prciape i Yash MAmish kume

Cluss B,com sem- S

E. no 90S28S10S3

Subject-Pezsomey immee
SA01 PFI

Dte 13-12- 21
 elassmate
Date 2
page

1 Peasomc Muge-
Pensoval AMcdu e
Plalmmimg is c pCCessOE
CMC9Img youy_me mey 4o chieve pezsomuM
eco m0 mi c_ StiSEu cHOM- eplamn'mg
mg_Pocess
you +0 Comt o y un_piv amci ul
GituaHou Evexy pesOM fe mi1y has
Umiee PmaMci posi iom h e vefoN MSt

be plamv ed_ te mee+ Speci eic meeds

P exs Mel_iMamse pt mMImg

Dete m)Me yeyy fMMcia s LteteoM

ANSA Step yau_wlI deeY mIme

PiMmcicc|_ Situatiom degardin9
ImcOne S ulmgs LiviMg e x pe nseS_u nd
debt Paepa i n g l i slistCument S5e+ 4_
debt balemces CMd

4ems gi veS you fo umd aHO M

PldmiM9_cicHvit

2 Develep au AMUMCICA goc

e y e Nd| m eS y ed you Slhould

CMuySe_youy_ fimu Mci uLNaue_cm 9 ouls_
i suctivit yiMol uesidenigyim9 Lat ye-
 Date

FeetCtbo ut momey M d wuyy0y f e e Hhu

LwI Ave youy fee limgs h ou+ MOMey
sedoM futue u vowleed9ea M e
e iMfluee of 0+h eS veyou
Ma uciul picvities bused om Sociul
p eSs ess_household m e dS, O dèsi t¬_foY

luy u t oco erl ecOMom coMdtom

aefectSyou Specieic fimumciul gouls un

vital t emumciul ple mmim 9

deMHE alteutive co use Of cHon,

Devel opim9 al He ancives iS_cUCy cw heu_

Mulkm9 decisioms AHheugu Mey fcto vS
o r I i m f l u enM ce e av uiluhle em citves,
possible cous e o f c+icM usuully fall iuio
hese Cute9cnIeS

ComtMue, e SameCougeof CICHoM.

Exp gMd +he Cu et'SituuHO .
chamg e the cuyem+ Si tya Ho
ake e w CounSe of_CcHo M.
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Page

OM Of hese cutegoi es co upply

ee- deciseu Lctweven they do depAeseMt
Possble couxse_ óf gc o m CeuH vit yIM
decisioM k i M9 is viu to eetecive cdhoice.
CoMsi dexing l | oe h e possible clit enMuHve
d
10 C epfecH vé m
CetisEyig decisiouAs

Ev crlu Ite o u ctexMuH VeS

ou
ou Meed te evlyute Po ssihle co VsO OA

Comse guewes of chojce @veN deciSiom closes

of CalHeNMatives fo exum ple a decis1o
Le imvest IMStClK
NuCuHoM. A decrSi o o 9
t e s c h ool full -H w a u y - weM yoy
cuMtwOKfull- H e 0ppon4sumit (0 Ts
whut 0u9I V up by wukivg m Èstuke
ThiscoSt Co'mMO MyNOFenye d o Cs He
a d e -o ff 0F C decisid CuM t ul w y g
1 mto l
Me uS u e d
.

e fe e e moMey a fo got by
att mdim9 stuool t ev
 elassute
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page

Evetl cte iSK- Mee t i mit P e t Of

ye deces ioM. SelecHOM q lege

wajo V du c osiMg CHNeey ffI eI d
imvol y SK Ha en decisi0m i vol veS
vey
ven lo tw de9nee of SK, such S
puttim9 momey in uM imsuned suvimg
o _Puch us M9ite mg +hut CoSt
OMly f efew dell cis

plammiM9 infonndetioM $ouCe w hemyoy

t veL you_OfteM Me ed MdP._ velli
Hae e _ puth of fmdmciu plqmmim equives
aiepiei diffesemt kiMd o f MP. Relevw-
MfON iom iS euiNed_at e c h St9 e
e decisiom- ukIM9 Pyocess

meate_ aMple meMt fi Mciu_p lum-

Th e steps of fimMciu PleMl 9 P o c ESS

imvolv es devetupi mg M_atiou_plM thut
id emtii es Cwysfe uci eve Y7o u/
feN exumP e _ M Cu M MCYeC se C y r
S avtM9S b educl ug yO spediMg onY
1MCom HhrouGL
by MCe ust Mg YcU
extra Me o
 elAsSmate
Date 6
Page

6 Review e viseyouv_plu

imgmciu plcMmiug 1s yMUMiC_roCess

doesvE_e md_ Cue Me eKe
Mee d te egul S
ou PMumcicdi decisiou o u SheuA

o CoMPlete e v e lw_
C e cSt o eCyeu
 iASSMAUe
Date
Page

2 avimg OMey

Savmg mOMEy is of e-OMeOf

esset ] e
pec+S
e pectS OP
beildim9 wealth CM hovi m9
CSecuN e_AmuuMCIu)_fvt uNe Savig MOMMy
9ves you qcOuy_o t_fyom u c e t aiMties
O f Lfe Md p sOvid e you w4h opportumity
TA a ffes Peuceof mt ma Km o Coi Mg tht
yo hove Ce tui m. CCC Mulyted
foN Hwes you Mee, givec yeu he
pedce Yo c l eqd S4eS=f vege
e KMewled ge thut yo u wit
d Met h eve te Stru99e.

+p vovi deS fo you ChildNeu S_ educ4Hoy

wiaCCoMSIdeNuble dmo4mt_oe Savi 9

y u Ctm fuel u childe Ms d e q s
Pcy fo b e ctiom CCyOLS
ue_ old.

Cd Plum s h o v t t enw go
d 0 m 9om9
Suviu9
You c ou S a b Me f S f
fNO
 alASSMAte
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SuviM9 iM e slhovt+e M

9iveseuAil secunitiy in_cue

OF C M AM foy+ MUte v e M-

B SuviMg i m u CIsc plimed MMM V

u CU Mcu e Cue

iccoe1 pr ovid@d fo T umfontuM e

Me o u SavIM9 S c Crct

4
 Data

3 Pofolio di vevci ecuHoM

PoNt folio divecieicuioM 1S +he ProceSS af

imvesti mg yau meMey im diteiem CLSS et
class úmd s e cuvii es_ nd ev te imimize
he oveval isk.

Pyy po5e-

he fU«dameMtu _pu pOS e OF poMt folo

divevci eicuioM_is e mimimj2e heYISK OM1
yo u mvest mmt

B di veveieicaHoM yo poteolfo, U wsy

Ste me c_ISK caM b e c u t .
MVeSt memt
v y by ukKe+
CFF cte d_IMHue sew

o c te dive sIfypont fol io-

Spe d outyau jmvest memt

M veHM9 M quitieS s good byt
+hut doesMA m e c M
yysuould put ul_
d simgle stock o u
you Weath im
SiM9l e
se c4o
 elAsSMAe
Date OT
Page

The s m e qpplies yo u imve34 n eMt | M

O+he o pHoM like 9d £D'S

XP loN a+h eiMvestme mt veMMe

ou coyld_qso cd d_othev imve stme mt

dptiovM cMd Sset to ouPotfel jo,
Mud fuMd geld,_ boMo e d lCjtate.
OtheN M est tS

CoMSid f bomd

So M divevsieicutioM stactegy CWViM19

iMdeo beMd fus eHh e ix
p ovloesyou pO t eo1io w i + h
Mch Mee d Cd_Stubilit

keep buiiding i

y M Ped Keep buidimg_ponifo

lio_
MNeSHM9 diefeeMt qsset cles
SpNediM 9 cn Ss quitY debt, eixed
TuISC pp o cich heps yoy
 ASSMALe
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Page

CldvcaM eges-

M k es yoy ront fol)o s ock p oaf

betAe we clth@ mCiNe Cye
iSK- Clj uSteo netuM
pvovid e stubility a peuce of mim d

Djscad vam+ 9
O veboC d
le co p l | CutioML
R1SK f mvESH M9 iM mkucwM sets
Mak e MVeS ueSConmpljcette d
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Dafa 2
Pege

Hd vo M4 ages

ma k es pot folia shock p^oof

w e l - a i veYsfied Pont fcl|o CC M bttev

a s o b the shoCkduyig docwM
mCIvKet oM
fhe isk is ell pyeus
o iMvestim dIefCMt_sset c lys

e4te Ce a4h ev wevKKe4 Cycle

EVeny ecoM OyMy9as threus C cycle

Duaimgmg C Cycle muKet mave S P2
beco m segudut Co u w g0e_
P geiM Yo CM be+ w e c4u ev
Cyees CMu M

EMhe ISK CHdjyste d vefyvy

wheM wo_Portfol0 yjeld t h e _ s m e

etuNM divevSIfieo Me cwiL teke
essen is

POVIde s4 bility

T 9 1ves yy MyCh Meed stbi ity

CM ette COmb t T+
CutS SOut +he emo+i ome
esHmeM+S
 ASSMALe
Daha 3
pag2

D a d vamtu9eS
Co_ O ven oa d
wvesteS vS temd ta90 avevbe. qmd CMd
Md P imves i M9im e c CMM asseLS
CHthey oeMt_evem e quive

Tu 0Mpl cui o Ms

GtYu ye oiefeYS qcroSS CSSet cs

CMd buyi mq qMo sell im9 tue cU
ed d te M c

Risk of mves Hug im UM Mow M usset-

CM eM P VESVES HM9 M MKmowm

set Yo u May 9+ eaught off 9yod
F imvestim9 im 4u elt aSse+ ist eget

Ca M uKe tmVES tm eM COMplicated-

w heM o u divesif
fy4a e Mch , itt CM
Co MP|1 c e imvest m Mt ay eed o
he tuCtu
woKimq o f+he CISStt clSS
UM d + h i sC M be tastto0 mMCLh