Money Money Money

Why a session on Money??

Money Vocabulary 1

Mental Accounting

Money Vocabulary 2

Inflation determines purchasing power of Your Money…

World Inflation Map

Money Talk - 13 Most important products to buy with your money..

What is the most important product that you should buy with your Money ???

What will happen if you die today ???

How much insurance should you have?? 1

Types of Life Insurance

Endowment vs Term Plan

Tenure : 30 yrsYearly premium : 31,000 If you Die : 10 Lacs If you Survive : 23.1 Lacs (Sum insured + Bonus accrued)

Example of Endowment Policy

Endowment vs Term Plan

Tenure : 30 yrsYearly premium (ENDOWMENT) : 31,000 If you Die : 10 Lacs If you Survive : 23.1 Lacs (Sum insured + Bonus accrued)

Example of Endowment Policy

Tenure : 30 yrsYearly premium (TERM) : 6,000If you Die : 30 Lacs If you Survive : 30 Lacs (Invest 24K per year in PPF @ 8% Interest)

Example of Investing by Safe Invester

Endowment vs Term Plan

Tenure : 30 yrsYearly premium (ENDOWMENT) : 31,000 If you Die : 10 Lacs If you Survive : 23.1 Lacs (Sum insured + Bonus accrued)

Example of Endowment Policy

Tenure : 30 yrsYearly premium (TERM) : 6,000If you Die : 30 Lacs If you Survive : 30 Lacs (Invest 24K per year in PPF for 30yrs @ 8% Interest)

Example of Investing by Safe Invester

Tenure : 30 yrsYearly premium (TERM) : 14,157If you Die : 70 Lacs If you Survive : 92 Lacs (Invest 17,843 per year in ELSS for 30yrs @ 15% Interest)

Example of Investing by Aggressive Invester

Some Tips & Myths on Life Insurance ??

Take a policy before your next B’Day..

Diversify Your Insurance

Never declare any wrong information..

LIC vs Private Insurance??

Money Talk - 12nd Most important product to buy with your money..

Individual Mediclaim

Topup & Super Topup Plan

Personal Accident Insurance

Hospital Cash Plan

Money Talk - 13rd Most important product to buy with your money..

Should you buy Child or Pension Plan ???

Money Vocabulary 3

Start Early

Money Talk - 2INVESTMENTS

Growth Risk Liquidity

3 Main factors of Analysing an Investment

Lending Money

Fiscal Bonus share issue Stock split ratio

1986 1:1 2 for 1

1989 1:1 2 for 1

1991 1:1 2 for 1

1992 1:1 2 for 1

1994 1:1 2 for 1

1997 1:1 2 for 1

1999 1:1 2 for 1

2000 - 2 for 1

2004 3:1 4 for 1

2006 1:1 2 for 1

Here is what you would have if you had 100 share in 1993 at IPO bought at Rs. 95 /-•Your Total investment in Infosys in 1993– Rs. 9,500/- (100 shares at Rs. 95)•Your Total investment in Infosys as of today (2013) – 2,94,40,000/- (12800 shares at 2300)

Is Equity Risky

SENSEX RETURNS FROM 1980

Tenure1year 2year 3year 5year 7year 10year 15year

Best Return101% 59% 51% 43% 37% 31% 26%

Average of 5 best85% 52% 46% 39% 30% 27% 22%

Worst Return-51% -22% -14% -2% -3% 3% 7%

Average of 5 Worst-27% -13% -3% 1% 3% 6% 12%

Commodities

4yrs CAGR

8yrs CAGR

20yrs CAGR

Real Estate