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Project Title
Financial Planning for and Individual based on the Risk and Return
To analyze various financial planning strategies and to analyze investment pattern of individuals residing in Pune region. To study the different investment options for an investor The study will analyze the attitude of the investors and the degree to which they get influenced by the external factors with respect to various financial products This will help to understand various investment opportunities Will help to generate awareness for Financial Planning
About Company
The IIFL (India Info line) group, comprising the holding company, India Info line Ltd (NSE: INDIAINFO, BSE: 532636) and Its subsidiaries, Is one of the leading players in the Indian financial services space.
Contd.
Has over 4,000 business locations across 900 cities in India. Global markets include subsidiaries in Colombo, Dubai, New York, Mauritius, London, Singapore and Hong Kong. Originally incorporated on 18 Oct. 1995 as Probity Research and Service Pvt.Ltd at Mumbai.
It commenced operations as a independent provider of information analysis and research covering Indian business financial market etc
PRODUCTS
Financial Planning
Equities Derivatives Commodities Wealth management Asset management Insurance Fixed deposits Loans Investment Banking
Major Competitors
Research Methodology
1.
2.
This section indicates what is to be researched and also shows which method is to be adopted for the research methodology. The sample size of 50 people is considered to draw conclusion Problem statement: To study the customer expectation and perception and selecting the best avenue according to the need of investment.
Research Plan
PLACE OF STUDY: The study was conducted in different places in Pune area Research Instrument: The method used for data collection was questionnaire method. The questionnaire is a structured one with close ended and multiple choice. Research Design: The Research design is purely and simply the framework of plan for a study that guides the collection and analysis of data. Descriptive Research design was used for this research.
Sample Design
SAMPLE SIZE: For the present study respondents have been selected from different places in Pune. The sample was taken as 50 respondents
Source Of Data
Data collection is an actively in marketing research. The design of the data collection method is the spine of research design. The sources of data are classified in to two typesPRIMARY DATA SECONDARY DATA
1) 2)
Following methods are adopted for finding out data in SIP program. Visiting cards. Online search: Justdial, Google etc. References search. Field visit to various areas. Consumer Calling Database: company, individual.
Data Analysis
Age Group
30
25
20
15
10
16%
26%
58%
40%
16% 30%
28%
46%
24% 2%
16%
52%
20%
30
25
20
15
10
Annual income
6% 16%
56%
22%
Less than 1,00,000 1,00,001 - 3,00,000 3,00,001 - 5,00,000 More than 5,00,001
Current investments
12% 4%
8%
Stock Market Bank Deposit Real Estate Mutual Fund Metals (jewellery) Commodity Insurance
28%
22%
12%
14%
Investment period
8% 28% 42% 4%
18%
Less than 1 yrs 1 - 3 yrs 3 - 5 yrs 5-10 yrs more than 10 years
YES 37%
NO 63%
YES
NO
Occupation
BUSINESS 41% STUDENT 5% SERVICE 54%
SERVICE
BUSINESS
STUDENT
Financial Planning
Financial Planning is a Scientific Process to set the things right in future, to achieve a desired financial goal.
Financial Planning
Changing Lifestyle
Insurance Planning
Investment Planning
Tax Planning Retirement Planning future Planning
Childrens
Insurance Planning
Life Insurance Term Insurance Health Insurance High Deductable Accidental & Disability Insurance Critical Insurance Cancer, TB, etc., Debt/Loan Protection Insurance Home loan, Education loan, etc., Home & Content Insurance Liability Insurance Professional, Vehicle
Investment Planning
Nice To Wise
Nice Guy
2,82 C
Wise Guy
Wise Guy
8.71 C
1.54 C 1.04 C
3.35 C
70.8 L
1.75 C
18 L
6L
91.2 L
What is the present cost for Higher Education? Rs.7,00,000 Do you know how much money will be required in Future for Higher Education ? Rs. 32,71,770 (Approx.) Assuming the Age of child at 2 years and inflation at 6% and 5% increase in education cost.
What is the average age of marriage of a child? 25 Years What is the present cost of marriage ? Rs. 9,00,000 Do you know how much money will be required in Future for Marriage ? Rs. 30,00,000
Assuming the Age of child at 2 years and inflation at 6%
Tax Planning
Optimizing your Tax Liability by proper use of provisions of the Income Tax Act
Retirement Planning
Product
1985
2013
8 5 4 15 4
73 50 39 200 35
Cable TV Color TV No
No Yes
Yes
Telephone
Washing Machine Microwave Owen Two wheeler / Car
No
Yes
No Yes
No
Yes No Yes
Drastic Change
Items 1997 2007
Mobile Phone
No
Yes
LCD / Plasma TV
Laptop / Computer Digital Camera IPod / Digital Music Internet
No
No No No No
Yes
Yes Yes Yes Yes
Estate Planning
Dhriubhai Ambani Started the Reliance Commercial Corporation with a capital of Rs. 15,000 & passed away on July 6, 2002. Reliance Group had a gross turnover of Rs. 75,000 Crore or USD $ 15 Billion at the time of his death Had not done proper estate planning. His will was not clear. Result Arguments between his sons for Reliance. Is writing a WILL is difficult?
Thank you