HOW TO DO

RIGHT
FINANCIAL
PLANNING
FINANCIAL PYRAMID

WEALTH BUILDING

SAVINGS

PROTECTION
 5
1. PROTECTION OF INCOME
4 a. Life Insurance or Term Insurance
To protect your income and your
liabilities
3 b. Mediclaim Policy
For Hospitalization Expenses.
Min 10-15 Lakhs cover with
2 Family Floater

C. Critical Ilness and Phy. Dis

1 PROTECTION OF INCOME
Life Insurance, Mediclaim, Disability Insurance
Protection against any critical
Illness and physical disability
& Critical Iillness
due to any accident
FINANCIAL PYRAMID
for every individual
 5
2. REGULAR SAVINGS WITH
4 PROTECTION OF CAPITAL
a. Bank FD or Liquid Funds
Min 6 - 12 months emergency
3 fund to meet any emergency
b. Guaranteed Income Plans

REGULAR SAVING WITH to fulfill our life goals like,

2 PROTECTION OF CAPITAL - Child Education
Bank FD, PPF, Guaranteed Income Plans - Child Marriage & Most Imp
- Retirement Pension or
1 PROTECTION Guaranteed income
Life Insurance, Mediclaim, Disability Insurance
& Critical Iillness

FINANCIAL PYRAMID
for every individual
 5 3. GROWTH AND DIVERSIFICATION
a. Equity Stocks
4 b. Equity Mutual Funds (SIP)

3 GROWTH &
DIVERSIFICATION
Direct Equity, Mutual Funds

RISK FREE GROWTH /

2 PROTECTION OF CAPITAL
Bank FD, PPF, Guaranteed Income Plans

1 PROTECTION
Life Insurance, Mediclaim, Disability Insurance
& Critical Iillness

FINANCIAL PYRAMID
for every individual
 5 4. SPECULATION
Investments in:

4 SPECULATION
Crypto Currency
Future & options
Future & Options, Trading,
Crypto, Real Estate Trading
3 GROWTH & Commodities
DIVERSIFICATION Forex
Direct Equity, Mutual Funds Intraday Trading
RISK FREE GROWTH / Real Estate
2 PROTECTION OF CAPITAL
Bank FD, PPF, Guaranteed Income Plans

1 PROTECTION
Life Insurance, Mediclaim, Disability Insurance
& Critical Iillness

FINANCIAL PYRAMID
for every individual
 5 WEALTH
DISTRIBUTION
Succession
Planning
5. WEALTH DISTRIBUTION
4 SPECULATION
Estate Planning and
Future & Options, Trading, Succession Planning /
Crypto, Real Estate Will
3 GROWTH &
DIVERSIFICATION
Direct Equity, Mutual Funds

RISK FREE GROWTH /

2 PROTECTION OF CAPITAL
Bank FD, PPF, Guaranteed Income Plans

1 PROTECTION
Life Insurance, Mediclaim, Disability Insurance
& Critical Iillness

FINANCIAL PYRAMID
for every individual