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वा भमान से
of आ म नभरता क और
Annuity
Let’s first understand the
HUMAN LIFE STORY…
As You Like it
Let’s first understand the
HUMAN LIFE STORY…
Let’s first understand the
HUMAN LIFE STORY…
Lets Understand Human Life Story
Current Learner (25 yrs) Earner (30 yrs) Retired (30 yrs)
Generations
0 25 55 85
Delayed start Early Longer
of career Retirement lifespan
What has changed?
‘The 30-30 rule of Living Life
Older Current
Generations Generations
Work for 40 years Retire for 10 years Work for 30 years Retire for years 30
??
?
Everyone is habitual of getting Regular Income before
getting retired
Increasing Nuclear
Life
Expectancy Family
Inflation
FIVE STAR PRIORITIES
Tax Efficiency
Liquidity
Inflation vs Return
TAX
Retirement
Planning
INTEREST
INFLATION
RATE
WHERE DOES INDIA INVEST?
Insurance is second highest investment instrument after bank deposits
Source: http://content.icicidirect.com/mailimages/FinSaving.htm
Interest Rate Trends
Trends of Interest Rate
INFLATION BALLOON
Regular Income Sources in India
CASE STUDY-1 13
14
FROM TAXABLE
PENSION TO
371578
371578
Tax free
Tax free
15 371578 Tax free
16 NONTAXABLE 371578 Tax free
ASSET CREATION
Capital & Returns are SAFE 17
18
371578
371578
Tax free
Tax free
19 371578 Tax free
20 371578 Tax free
Liquidity from 2nd or 3rd Year 21 371578 Tax free
22 371578 Tax free
23 371578 Tax free
Capital is returned in shortest possible 24
25
Comparison with 371578
371578
Tax free
Tax free
Property
span 26
27
NON TAXABLE RENT for 371578 Tax free
Tax free
371578
40 years
28 371578 Tax free
29
Capita Recovered Rent 371578 Tax free
Tax Free Earning continues year on year 30 continues 371578 Tax free
31 Resold again at 3.69 CR 371578 Tax free
32 371578 Tax free
Retirement Corpus is not BLOCKED 33
34
371578
371578
Tax free
Tax free
entirely 35 371578 Tax free
36 371578 Tax free
37 371578 Tax free
Solution 4
5
Annual
Annual
Inves tment
Inves tment
4000000
4000000
532000
532000
Tax free
Tax free
6 Annual Inves tment 2000000 532000 Tax free
CASE STUDY-1 7
8
Annual
Annual
Inves tment
Inves tment
2000000
2000000
532000
532000
20000000
Tax free
Tax free
(contd.)
9 Inves tment Holiday 532000 Tax free
10 532000 Tax free
11 532000 Tax free
12 FROM TAXABLE 532000 Tax free
13 PENSION TO 532000 Tax free
Capital & Returns are SAFE 14
NONTAXABLE 532000 Tax free
15 532000 Tax free
ASSET CREATION
16 532000 Tax free
17 532000 Tax free
Liquidity from 2nd or 3rd Year 18 532000 Tax free
19 532000 Tax free
20 532000 Tax free
Capital is returned in shortest 21
22 Comparison with Property
532000
532000
Tax free
Tax free
possible span 23 NON TAXABLE RENT for 40 532000 Tax free
24 532000 Tax free
25
years 532000 Tax free
Capital Recovered Rent
Tax Free Earning continues year on 26
27 continues
532000
532000
Tax free
Tax free
year 28
29
Resold again at 3.69 CR 532000
532000
Tax free
Tax free
30 532000 Tax free
31 532000 Tax free
Retirement Corpus is not BLOCKED 32 532000 Tax free
entirely 33
34
532000
532000
Tax free
Tax free
35 532000 Tax free
36 CREATING TAX 532000 Tax free
Flexibility in Annual Withdrawal 37 FREE Legacy for 532000 Tax free
38 532000 Tax free
Children & Grand
amount 39
Children
532000 Tax free
40 532000 Tax free
41 532000 Tax free
Hassle Free Legacy Planning 42
43
532000
532000
Tax free
Tax free
44 532000 Tax free
45 532000 Tax free
36980000
A Lavish Property
OUR SOLUTION.
worth Rs.2 Cr.
You have worked hard to
Earn Money…Now Let your
Hard Earned Money work
for you.
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