The document is a presentation by AskY Financial Services about financial planning. Some key points: - 12.3 million people are stressed about their finances and have trouble sleeping. 80% worry about running out of money. - A financial plan can help achieve goals like retiring with 4.25 crores by investing Rs. 7,700 per month instead of Rs. 15,800 per month without a plan. - Choosing the right asset allocation can provide 15 lacs more for education goals. - Small decisions like investing savings of Rs. 4 lacs in FDs instead of keeping in a savings account provides 1.2 lacs more return. - Having adequate term insurance instead of multiple

1. A presentation by AskY Financial Services

2. 12.3 million people bury their heads in
sand when it comes to their finances.
25% of people have trouble sleeping
because of their finances.
80% of the people are worried that they
will run out of money sooner or later.

3. Car
Your Aspirations

4. Writer
Sports Coach
Your Heart’s Desires

7. Housing rates fall by average 8 per
cent during 2013 in Delhi-NCR
PTI New Delhi Last Updated: March 13, 2014 | 08:14 IST
Pearls investors fear their
money is gone already

8. Gold, silver prices jump on Diwali
buying

11. *
*The dream home remains a dream
*Compromise on children’s education
*Postpone retirement
*Postpone the long desired vacation

13. To discover a life that is richly yours.
Get a clear vision of your future
Don’t Just survive, Live the life to the full.
fulfill & achieve
What do you desire out of life?
What are your dreams?
to see
Is your money working for you?
and guide you to
‘Use your money to make a life and not your life to make Money!!!’

14. Is it investing?
Investing is a means to an end, and FP begins with determining
the ends.
Two Pillar of on which Financial Planning equation is built looks like
this :
Resources Goals

16. Discover
Your Values
Your Goals
Your Concerns
Analyze
Your Situation
Your Approach
Your Accounts
Explorer
Best Options
Strategic
Solutions
Design
Coordinated,
comprehensive
Financial plan
Implement
Income Ideas
Investments
Insurance
Your Financial
life Plan
Close client
Contact
Dynamic Plan
Management

17. Let us look at the Math's and take out the
subjectivity.

18. Financial Goal Without a Financial Plan With a Financial
Plan
Opportunity Cost
Retirement Corpus of
4.25 Cr by age of 60
Rs.15800 SIP p.m. if
investment starts after 5
years
Rs. 7700 SIP
p.m. if
investment starts
immediately
Rs. 20 Lac
additional outflow
for delaying
savings

19. Financial Goal Without a Financial Plan With a Financial
Plan
Opportunity Cost
Retirement Corpus of
4.25 Cr by age of 60
Rs.15800 SIP p.m. if
investment starts after 5
years
Rs. 7700 SIP
p.m. if
investment starts
immediately
Rs. 20 Lac
additional outflow
for delaying
savings
Education fund of
Rs. 20 Lac in todays
value for your child
after 18 Years
Rs.14000 SIP p.m. if
investment in
FD’s/Insurance Plans
Rs.7000 p.m. if
you invest in
Equity
MF/ETF’s/Blue
chip stocks
Rs.15 Lac is
additional outflow
for choosing wrong
asset class for long
term

20. Financial Goal Without a Financial Plan With a Financial
Plan
Opportunity Cost
Retirement Corpus of
4.25 Cr by age of 60
Rs.15800 SIP p.m. if
investment starts after 5
years
Rs. 7700 SIP
p.m. if
investment starts
immediately
Rs. 20 Lac
additional outflow
for delaying
savings
Education fund of
Rs. 20 Lac in todays
value for your child
after 18 Years
Rs.14000 SIP p.m. if
investment in
FD’s/Insurance Plans
Rs.7000 p.m. if
you invest in
Equity
MF/ETF’s/Blue
chip stocks
Rs.15 Lac is
additional outflow
for choosing wrong
asset class for long
term
Park Rs.4 Lac in
saving/salary account
Lie in salary account
earning miniscule 4%
Park in no-
brainer in FD/CD
earning 8%
Rs.1.2 Lac
additional inflow
for taking the
decision to invest

21. Financial Goal Without a Financial Plan With a Financial
Plan
Opportunity Cost
Retirement Corpus of
4.25 Cr by age of 60
Rs.15800 SIP p.m. if
investment starts after 5
years
Rs. 7700 SIP
p.m. if
investment starts
immediately
Rs. 20 Lac
additional outflow
for delaying
savings
Education fund of Rs.
20 Lac in todays value
for your child after 18
Years
Rs.14000 SIP p.m. if
investment in
FD’s/Insurance Plans
Rs.7000 p.m. if
you invest in
Equity
MF/ETF’s/Blue
chip stocks
Rs.15 Lac is
additional outflow
for choosing wrong
asset class for long
term
Park Rs.4 Lac in
saving/salary account
Lie in salary account
earning miniscule 4%
Park in no-
brainer in FD/CD
earning 8%
Rs.1.2 Lac
additional inflow
for taking the
decision to invest
Adequate insurance
cover to safeguard
family
Buy 6 investment oriented
policies yielding 6-8%
with 15 to 25 lac cover
Buy term policy
based on need
and invest the
rest in
appropriate asset
class
Rs. 60 Lac under
insured even after
heavy premium
outgo.

22. Because we at Ask Y are
qualified CFP (Certified
Financial Planner ) and
have competency in all
area’s of finance related
to Financial Planning.
We understand Stock,
Bonds, Taxes, Insurance,
Retirement planning &
estate planning.
Each of us has years
experience of either
handling finance,
financial products or
marketing of financial
product's.
We are product agnostic,
for us your best interest
come first. We act with
due care and utmost
good faith and do not
mislead our client.

23. 1. A big part of financial freedom is having your heart and mind
free from worry about the what-ifs of life.
2. If you want to rear financial blessings, you have to sow
financially.
3. I believe that through knowledge and discipline, financial
peace is possible for all of us.
4. When it comes to tackling your financial goals, whatever they
might be, there’s no time like the present.
5. You have got to be the master of your own financial future.
6. Time is key to building your financial security.

24. CONTACT US ON :
ANIL GULRAJANI : 99670 31034
PRATHIBA GIRISH : 98707 02277
YOGITA DAND : 98209 89864