basic finance and retirement dilshad final

YOU NEED TO KNOW THESE FACTS…

• What ‘inflation’ could do to you..

• Why it pays to start saving early in life …

• Fight with moving Age / Time

• The difference between ‘income’ and ‘real income’...

• How to prioritize your investments …

• Why ‘equities’ are best in the long run …

• Effect of Compounding…..

Dilshad Billimoria -Certified Financial Planner

10 years 20 years 30 years 40 years

16,300

26,500

44,000

74,000Rs. 10,000 today

INFLATION ROBS YOUR PURCHASING POWER (assuming inflation @5% p.a.)


WHERE DO YOU INVEST YOUR MONEY TODAY?


You have a choice!

Rs. 808

Rs. 237

Rs. 66

Rs. 17Rs. 4

5% 10% 15% 20% 25%

EFFECT OF COMPOUNDING(Re.1 Invested for 30 years)


5%

33%

6.36%

InflationTaxReal Income

WHY IS REAL INCOME SO IMPORTANT

If an investment is giving you 10% return…

Focusing on Real Income is important for wealth creation


Data from SBI/RBI and BSE Sensex : 2000-2012

INVESTMENT PERFORMANCE IN VARIOUS ASSET CLASSES

Gold Equity Gilt Bonds FDs02468

10121416

Investment Performance

Investment Per-formance

12.96%

15.96%

9.58%8.57%

6.30%


WHAT IS RETIREMENT?


• When a person chooses to leave the workforce. The concept of full retirement – being able to permanently leave the workforce in old age – is relatively new, and for the most part only culturally-widespread in first-world countries. Many developed countries have some type of national pension or benefits system (i.e. the United States' Social Security system) to help supplement retirees' incomes.Investopedia explains 'Retirement‘

• Dramatic advances in healthcare have extended the lives of people in, predominantly, first-world and developed countries. That means that without adequate personal savings and/or pensions, people could easily outlive their retirement funds. In times of economic downturn retirees may choose to "come out of retirement" and re-enter the workforce on a seasonal, part-time or full-time basis to earn income and obtain benefits, especially costly health insurance coverage.

WHAT IS RETIREMENT?


Retirement Calculation

FIND OUT YOUR RETIREMENT CORPUS NEEDED


• Rate of interest.• Rate of inflation• Any Charges in the product• Any guarantees and if so in writing• What is the real return• What is your life expectancy.• Are your savings enough.• How will my portfolio look in 10 years, 20 years..• How to handle the income distribution phase in Retirement.

WHAT ARE THE FACTORS TO CONSIDER WHILE CHOOSING INVESTMENT OPTIONS: BE AN INFORMED INVESTOR

YOU NEED A TRUSTED CERTIFIED FINANCIAL PLANNERDilshad Billimoria -Certified Financial Planner

Website: www.dilzer.netEmail: [email protected]: 91.80. 41512337 / 91.80. 41136147

Linkedin: in.linkedin.com/in/dilshadbillimoria

Dilshad BillimoriaCERTIFIED FINANCIAL PLANNER AND INVESTMENT ADVISOR.

Thank you for your time!


basic finance and retirement dilshad final

Economy & Finance