financial planning basics

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¿¢¾¢ ¬§Ä¡º¨É - «ÊôÀ¨¼¸ ^ YZeÏTYo §Ú.J.Lôoj§úLVu, Director, Finerva

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Page 1: Financial planning basics

¿¢¾¢ ¬§Ä¡º¨É - «ÊôÀ¨¼¸ ^

YZeÏTYo§Ú.J.Lôoj§úLVu, Director, Finerva

Page 2: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

Í ¿¢¾¢ ÀüȢ Àø§ÅÚ

«õºí¸¨Ç ÀüÈ¢ «È¢¾ø

¿¢¾¢ ¿¢ÚÅÉí¸Ç¢ø ¯ûÇ

¦À¡Õð¸¨Ç ÀüÈ¢ «È¢¾ø

¿¢¾¢ ¾¢ð¼õ ¾£ð¼

§¾¨ÅÂ¡É ¾¢È¨Á¨Â

¦ÀÚ¾ø

¿¢¸ú¢ý §¿¡ì¸õ

Page 3: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

¿¢¾¢ ºõÀó¾Á¡É ¦¾¡Æ¢ø

ÑðÀí¸û

¿¢¾¢ ºõÀó¾Á¡É ¸½ì̸û

¿¢¾¢ ºõÀó¾Á¡É ÁÉ¡£¾

¢Â¡É «õºí¸û

¯¾¡Ã½í¸û ÁüÚõ ¾¢ð¼í¸û

«Îò¾ 2 ¿¡ð¸Ç¢ý ¾¢ð¼õ

Page 4: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

¦º¡òÐìÌõ ¸¼ÛìÌÁ¡É ¦¾¡¼÷¨À Ò¡¢óЦ¸¡ûÙ¾ø

¿¢¾¢ ºõÀó¾Á¡É ¦¾¡Æ¢ø ÑðÀí¸û

Page 5: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

±¨Å ¿¢¸Ã ÅÕÁ¡Éõ ¾Õ¸¢ýÈɧš «¨Å§Â ¦º¡òÐì¸û

Page 6: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

À½ÒÆì¸ò¨¾ Ò¡¢óЦ¸¡ûÙ¾ø

Page 7: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

¦º¡òÐ ÅÕÁ¡Éò¨¾ ÜðÎõ

Page 8: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

¸¼ý ¦ºÄ¨Å ÜðÎõ

Page 9: Financial planning basics

YWÜ Utßm ùNXÜdLô] AhPYûQ

Page 10: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

Page 11: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

Page 12: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

§ºÁ¢ôÒ Vs ӾģÎ

ãľÉí¸¨Ç ´ôÀ¢Î¾ø

Page 13: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

ÅÕÁ¡Éõ ÅÕõ ÅÆ¢¸û-þô§À¡Ð ÅÕõ ÅÕÁ¡Éõ-ӾģðÊý ÅÇ÷

Page 14: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

ÅÕÁ¡Éò¾¢ý «Ç×

Page 15: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

ӾģðÊý ¸¡ÄõãľÉí¸¨Ç ´ôÀ¢Î¾ø

Page 16: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

Å¡¢ Å¢ÀÃõ

ãľÉí¸¨Ç ´ôÀ¢Î¾ø

Page 17: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

À½Á¡¸ Á¡üÚõ §¿Ãõ

ãľÉí¸¨Ç ´ôÀ¢Î¾ø

Page 18: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

ÍÄÀõãľÉí¸¨Ç ´ôÀ¢Î¾ø

Page 19: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

«ð¼Å¨½¨Â À¡÷ì¸×õ

Page 20: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

ÅÕÁ¡Éõ ÅÕõ Ũ¸¸ûӾģΠÅÕÁ¡Éõ

¿¢¾¢ ºõÀó¾Á¡É ¸½ì̸û

Page 21: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

ÅÕÁ¡Éõ ÅÕõ Ũ¸¸ûºÃ¡º¡¢ (regular) ÅÕÁ¡Éõ

¿¢¾¢ ºõÀó¾Á¡É ¸½ì̸û

Page 22: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

ÅÕÁ¡Éõ ÅÕõ Ũ¸¸û

¦ÀÕÌõ ÅÕÁ¡Éõ

¿¢¾¢ ºõÀó¾Á¡É ¸½ì̸û

Page 23: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

ÜðÎ ÅðÊ¢ý À¡¾¢ôÒӾģðÊý Á£Ð ¿øÄ À¡¾¢ôÒ

¿¢¾¢ ºõÀó¾Á¡É ¸½ì̸û

Page 24: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

ÜðÎ ÅðÊ¢ý À¡¾¢ôÒ

¸¼ý ÁüÚõ À½Å£ì¸ò¾¢ý ¦¸ð¼ À¡¾¢ôÒ

¿¢¾¢ ºõÀó¾Á¡É ¸½ì̸û

Page 25: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

ӾģÎ

´Õ Ó¨È Ó¾Ä£Î

¿¢¾¢ ¸½ì̸û

Page 26: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

ӾģÎ

¦¾¡¼÷ ӾģÎ

¿¢¾¢ ¸½ì̸û

Page 27: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

¸¼ý ¾Å¨½ ¦ºÖòоø

¿¢¾¢ ¸½ì̸û

Page 28: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

µöç¾¢Âõ ¦ÀÚ¾ø¿¢¾¢ ¸½ì̸û

Page 29: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

Àð¦ƒðÅ¡úì¨¸ì¸¡É ¿¢¾¢ ¸½ì̸û

Page 30: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

¿¢¸Ã Á¾¢ôÒ ¸½ì¸£ÎÅ¡úì¨¸ì¸¡É ¿¢¾¢ ¸½ì̸û

Page 31: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

¬Ô𠸡ôÀ£Î

Å¡úì¨¸ì¸¡É ¿¢¾¢ ¸½ì̸û

Page 32: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

±¾¢÷¸¡Äò¾¢ð¼ Á¾¢ôÀ£Î¸û

´öç¾¢Âõ

Å¡úì¨¸ì¸¡É ¿¢¾¢ ¸½ì̸û

Page 33: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

±¾¢÷¸¡Äò¾¢ð¼ Á¾¢ôÀ£Î¸ûÌÆ󨾸û ¸øÅ¢

Å¡úì¨¸ì¸¡É ¿¢¾¢ ¸½ì̸û

Page 34: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

¸¼¨É ÓýÜðʧ ¾¢ÕõÀ ¦ºÖòоø

Å¡úì¨¸ì¸¡É ¿¢¾¢ ¸½ì̸û

Page 35: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

¿¢¾¢ ºõÀó¾Á¡É 㼿õÀ¢ì¨¸¸û

¿¢¾¢ ºõÀó¾Á¡É ÁÉ¡£¾¢Â¡É «õºí¸û

Page 36: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

TQjûRl Tt±V êPSm©dûLLs1. A§L TQm NmTô§dL Sôu PôdPúWô

ApXÕ Cg£²VúWô CpûX. EXLj§p A§Lm NmT[m YôeÏTYoLs :

ûT]ôuv EVo A§Lô¬Ls LhÓUô] T¦ EVo A§Lô¬Ls CuãWuv A§Lô¬Ls

EXLj§p A§L TQm ûYj§ÚlTYoLs ùRô¯X§ToLs Utßm ØRÄÓ ùNnTYoLs (YôWu T@úT)

Page 37: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

2. RsÞT¥«p ¡ûPjRôp GkR

ùTôÚû[Ùm YôeLXôm. RsÞT¥«p ®tTû] GuTÕ LûPdLôWoLÞdÏ XôTúU R®W

SUdÏ CpûX.

...êPSm©dûLLs

Page 38: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

3.TQjûR ûLVôÞm ®RjûR Tt± Gu]ôp

׬kÕ ùLôs[ Ø¥VôÕ

©\dÏm úTôÕ GpXôm ùR¬kÕ

ùLôiPô ©\kúRôm?

BoYØm AdLû\Ùm CÚkRôp GûRÙm

Ltßd ùLôs[Xôm.

...êPSm©dûLLs

Page 39: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

4 TeL[ô ûYj§Úd¡\ôoLs ùT¬V

TQdLôWoL[ôL CÚlTôoLs.

ÅhÓ ùY°l×\ úRôt\jûR LiÓ Ø¥Ü ùNnVô¾o. Esú[ CÚdÏm Ïû\Ls Tt± SUdÏ ùR¬VôÕ (ERôWQm : úLW[m, úLôûY)

...êPSm©dûLLs

Page 40: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

5. Aû]YÚm TQdLôWoLs BYRtÏ EXLj§p TQm

CpûX.

TQm GuTÕ U²Ru EÚYôd¡V ùNVtûL A[ÜúLôp.

SUÕ §\ûUdÏ HtT AûR EÚYôdL Ø¥Ùm.

...êPSm©dûLLs

Page 41: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

6. Gu ûL

KhûP.

GlTÜm

LôÑ

ReLôÕ.

...êPSm©dûLLs

Page 42: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

7. Gu ûL KhûP. GlTÜm LôÑ

ReLôÕ.TQm GuTÕ JÚ LÚ®. ARtÏ SUÕ ûLdÏm Ut\Yo ûLdÏm

®j§VôNm ùR¬VôÕ.

CdLÚ®ûV CVdÏYÕ Sm ûL«p Rôu Es[Õ.

...êPSm©dûLLs

Page 43: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

8. TeÏfNkûRúV JÚ ãRôhPm Rôu

...êPSm©dûLLs

Page 44: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

8. TeÏfNkûRúV JÚ ãRôhPm

Rôu Bm ãRôhPm Rôu - Ïß¡V LôXj§tÏ ØRÄÓ ùNnÙm úTôÕ

(§]N¬ ®VôTôWm JÚYôWm JÚUôRm.......)

¿iP LôXj§tÏ ØRÄÓ ùNnRôp ùYt± ¨fNVm. Hu Gu\ôp

AûY ¨ßY]eL°u Y[of£ûV NôokRÕ

...êPSm©dûLLs

Page 45: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

«À¡Âõ(Risk)

¿¢¾¢ ºõÀó¾Á¡É ÁÉ¡£¾¢Â¡É «õºí¸û

Page 46: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

«À¡Âõ ±ýÀÐ ±¾¢÷À¡÷ôÀ¢ø þÕóÐ Á¡ÚÀÎÅÐ

«¾¢¸ ÅÕÁ¡Éõ ¦ÀÈ «¾¢¸ «À¡Âõ §¾¨Å

¿¢¾¢ ºõÀó¾Á¡É ÁÉ¡£¾¢Â¡É «õºí¸û

Page 47: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

«À¡Âõ ±ýÀÐ ±¾¢÷À¡÷ôÀ¢ø þÕóÐ Á¡ÚÀÎÅÐ

«¾¢¸ «À¡Âõ ±ô§À¡Ðõ «¾¢¸ ÅÕÁ¡Éõ ¾Ã¡Ð

¿¢¾¢ ºõÀó¾Á¡É ÁÉ¡£¾¢Â¡É «õºí¸û

Page 48: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

«À¡Âõ ±ýÀÐ ±¾¢÷À¡÷ôÀ¢ø þÕóÐ Á¡ÚÀÎÅÐ

«¾¢¸ À¡Ð¸¡ô§À «¾¢¸ «À¡Âò¾¢ø ÓÊÔõ

¿¢¾¢ ºõÀó¾Á¡É ÁÉ¡£¾¢Â¡É «õºí¸û

Page 49: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

¿¢¾¢ ºõÀó¾Á¡É ÁÉ¡£¾¢Â¡É «õºí¸û

ÁÉ¡£¾¢Â¡É «À¡Âí¸û

Page 50: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

¿¢¾¢ ºõÀó¾Á¡É ÁÉ¡£¾¢Â¡É «õºí¸û

¿ñÀ÷¸û ¾Õõ «Øò¾õ

Page 51: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

¿¢¾¢ ºõÀó¾Á¡É ÁÉ¡£¾¢Â¡É «õºí¸û

¦À¡ÕÇ¡¾¡Ã ºó¨¾ ¾Õõ «Øò¾õ

Page 52: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

¿¢¾¢ ºõÀó¾Á¡É ÁÉ¡£¾¢Â¡É «õºí¸û

Å¢ÀÃí¸û º¡÷ó¾ «Øò¾õ

Page 53: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

Ìʸ¡Ãý

¿¢¾¢ º¡÷ó¾ ÁÉ Å¢¨Ç¡ðÎì¸û

Page 54: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

¸ð¨¼ ¸¡ø¿¢¾¢ º¡÷ó¾ ÁÉ Å¢¨Ç¡ðÎì¸û

Page 55: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

«üÒ¾ò¾¢ü¸¡¸ ¸¡ò¾¢Õò¾ø

¿¢¾¢ º¡÷ó¾ ÁÉ Å¢¨Ç¡ðθû

Page 56: Financial planning basics

TVS Rubber | Train the Trainer | 05-06 March 2010

¯¾¡Ã½í¸û & ÅÆì̸û