Back to basics……
Plan Today… For A Better
Tomorrow

 My dad had one pair of shoes and used
it for five years. I have five pair of shoes
and use them for a year each.
 In today’s wired world people connect
less emotionally & more electronically.
 High stress level has become regular.
Life is not easy…..

People change the basic principal
EARN – SAVE = SPEND
and now……
Life is not easy …

EARN – SPEND - EMI = ???
Life is not easy …
Don’t confuse with
“Spending for Life”
Or
“Life for Spending”

Financial Planning for women

Shocking Fact
“Only 23% of working women in India make
their own decisions about investments”

Recipe for Financial Planning
(The Dinner Example)
• Today some guests
are arriving for
Dinner (LIFE)
• What do we do ?

Financial Planning
(The Cooking Recipe)
 Plan the dinner
 Menu Finalization (Goals)
 Arrange for Fresh Vegetables, Spices
and others ingredients (Various Asset
Class)
 Systematic approach to decorate
home with existing articles. (Effective
use of Assets)

Financial Planning (The Dinner Example)

Take stock of where you are -
 Do you have an emergency
fund to cover 3-6 months?
 How much have you saved?
 How much more could you
save — if you spent even a
little less?
How much do you earn?
How much is your monthly expense?
How much debt have you accumulated?

Organize your resources into
different categories
 Create an emergency fund that
could cover up to 6 months’
expenses.
 Separate remaining assets
into three categories:
- Short-term money to help
cover the necessities.
- Mid-term money to help cover
the niceties.
- Long-term money that might
grow and help replenish the
other categories.

Short-term necessities
What it covers:
 Food
 Housing
 Utilities
 Health Care
 Insurance
 Emergencies
“The Necessities”

Once fixed expenses are covered,
fund discretionary expenses
What it covers:
 Travel
 Entertainment
 House renovation
“The Niceties”

Stash some cash away for the long
term goals
What it covers:
 House Property
 Children Education
 Children’s Marriage
 Retirement
Long-Term Goals

Million Dollar Question
Person
• Amitabh Bachchan
• Lata Mangeshkar
• Sachin Tendulkar
• Saniya Nehwal
Profession
• Cricket
• Badminton
• Actor
• Singer

The Advantage of starting early. And investing regularly
Rs. 6,430,959
Rs. 3,494,964
Rs. 1,878,847
Rs. 989,255
Rs. 499,580
Rs. 230,039
Rs. 81,670
25 Years 30 Years 35 Years 40 Years 45 Years 50 Years 55 Years
Wealth Accumulated at 60 Years of age by just saving
1000 Rupees per month.
Age of starting the investment
Assuming returns of 12% p.a. for illustration purpose only

VALUATION and ALLOCATION
Ordinary Investor
Market
Fair Value +
Fair Value
Attractive
Cheap
Conservative Average Aggressive
MIP/ESS
Balance Advantage
Fund
Balance Fund
Balance Advantage
Fund
Balance Fund Large Cap Fund
Balance Fund Large Cap Fund Multi Cap Fund
Large Cap Fund Multi Cap Fund
Small Cap/ PMS/
Sector Fund

Financial steps for women in
different situations
Single women
 Start saving at least 20% of
your income.
 Make those savings work by
investing in growth assets.
 Create a budget
 Avoid credit card debt and
repay any education loan as
soon as possible.

Married women
 Maintain a separate saving
a/c apart from any joint a/c.
 Save as much as possible.
 Identify common goals for
the future and work jointly
towards them.
 Participate in family financial
discussions.
 Maintain your own credit
history independent of
husband.
 Be aware of key investments
and where money is flowing.
 Make an inventory of
financial documents and
accounts.

Right advisor is Important !
No Daily Sensex
Long Term
Investment
Hype & Noise
Regular
Investment
Tips
Asset
Allocation

Thank You.
Shama Mahuwala
Keep Smiling….
Its make you more beautiful.