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Strategies for Wealth Creation & Management,[object Object]
The basics first,[object Object],Make a list of the following,[object Object]
The Basics again…,[object Object],What are Assets / Liabilities for Personal Wealth Creation?,[object Object],One that gives a POSITIVE CASH FLOW IS AN ASSET ,[object Object],Others are Liabilities / Expenses. ,[object Object]
What is growth / return?,[object Object],Time Value for Money,[object Object],Relative Growth,[object Object],Nominal Interest Rate Vs EffectiveInterest Rate,[object Object]
What is Risk?,[object Object],Actual Returns ,[object Object],Vs,[object Object], Expected returns,[object Object]
What is Wealth?,[object Object]
Take 2 minutes. Close your eyes and imagine a wealthy person. Write what you see.,[object Object]
A person's wealth is defined by how long a period of time he/she can sustain their lifestyle if they stop working.,[object Object]
The longer you can go on living your life without working another day, the richer you actually are.,[object Object]
Your wealth is therefore defined by three things,[object Object],Your monthly expenses,,[object Object], Your liquid assets and ,[object Object], Your passive income.,[object Object]
The Mantra,[object Object],TIME,[object Object],	Start early,[object Object],	Use the power of compounding,[object Object]
Where do I Invest?,[object Object],EQUITY,[object Object],Current Yield – Low,[object Object],Capital Appreciation – High,[object Object],Typical Returns - 19.25% as per SENSEX returns since 1979,[object Object],Risk – High,[object Object],Marketability / Liquidity – High,[object Object],Tax Treatment - No long term capital gains tax after 365 days. Dividends received are tax free,[object Object],Convenience - High,[object Object]
Where do I Invest?,[object Object],BANK DEPOSITS,[object Object],Current Yield – Moderate,[object Object],Capital Appreciation – Nil,[object Object],Typical Returns - 8% Average ,[object Object],Risk – Negligible,[object Object],Marketability / Liquidity – High,[object Object],Tax Treatment - Section 80C benefits for 5 year deposit. All interests are taxable ,[object Object],Convenience - Very High,[object Object]
Where do I Invest?,[object Object],MUTUAL FUND - EQUITY,[object Object],Current Yield – Low,[object Object],Capital Appreciation – High,[object Object],Typical Returns - 39% Average over 3yrs Highest return - 69%,[object Object],Risk – High,[object Object],Marketability / Liquidity – High,[object Object],Tax Treatment - Section 80C benefits for Equity Linked Savings Schemes. No long term capital gains tax after 365 days. No tax on dividends received.,[object Object],Convenience - Very High,[object Object]
If spending money brings you enjoyment, you will never be rich.However if making money brings you enjoyment, then your wealth isguaranteed.,[object Object]
Wealth creation strategies

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