Services
Financial Literacy
Financial Literacy, as a life skill, is an absolute necessity, for the management of personal finances. The complexity of financial products, the prevalence of fraudulent and Ponzi schemes, the need for funds for a better quality of life, financial literacy gains greater significance.
Financial Literacy, as a life skill, is an absolute necessity, for the management of personal finances. The complexity of financial products, the prevalence of fraudulent and Ponzi schemes, the need for funds for a better quality of life, financial literacy gains greater significance.
Income is the money earned through various sources like a salary from a Job, income earned from rendering professional services, or profits earned from a business.
Expenditure is the money spent on essentials and non-essentials, using the money earned from sources of income.
Savings is the surplus of income over expenditure. It is the investible surplus. Financial planning goes beyond savings. It is an investment with a purpose.
Financial literacy enlightens and empowers an individual to save, invest, diversify, and reach financial goals. It will teach the key concepts in personal finance:
01) What are Savings?
02) What are Investments?
03) Importance of savings and investing.
04) What are Assets and Liabilities?
05) What is Debt?
06) Time Value of Money
07) What are inflation and its effects on Investments?
08) How does inflation affect investment decisions?
09) What are the steps an investor can take to avoid the adverse of inflation?
10) What is the Power of Compounding?
11) The Rule of 72!
12) Rupee Cost Averaging.
To be literate and to liberate is the vision …
Enhance your understanding by attending a webinar.
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Believe in yourself and invest in yourself
Financial Planning & Management
Financial Planning is the process of estimating financial needs of a person and to implement a comprehensive plan to meet those financial needs during his or her lifetime. It is the process of allocating funds for various requirements – Family & Personal needs both Present & Future, Recurring & Ad hoc. It is the process of optimum allocation of income for Essentials, Necessities, Maintenance, Luxuries and Holidays etc. Last but not the least for Savings and Investments for the unforeseen future. Money Saved is Money Earned.
Financial Planning is the process of estimating financial needs of a person and to implement a comprehensive plan to meet those financial needs during his or her lifetime. It is the process of allocating funds for various requirements – Family & Personal needs both Present & Future, Recurring & Ad hoc. It is the process of optimum allocation of income for Essentials, Necessities, Maintenance, Luxuries and Holidays etc. Last but not the least for Savings and Investments for the unforeseen future. Money Saved is Money Earned.
Financial Planning is the process of framing financial objectives, policies, procedures, programmes and budgets in relation to administration of funds. Financial Planning helps in making growth and expansion programmes, it reduces uncertainties and leads to financial freedom.
Financial Management means planning, organizing, directing and controlling the financial activities such as utilization of funds. It means applying general management principles to financial resources.
Financial management is generally concerned with allocation and control of financial resources. It is to ensure regular and adequate supply and optimum utilization of funds. Funds should be utilized in maximum possible way, at least cost and ensure safety of investment, so that adequate rate of return can be achieved. Funds well managed is investment goals achieved and wealth created.
To finance and to enhance is the mission …
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Believe in yourself and invest in yourself
Investment Planning & Management
Investment planning is the process of identifying financial goals and converting them into Specific, Measurable, Achievable, Realistic, Time-bound wealth drivers. Investment planning is the main component of financial planning, with available resources. The key to this approach is a process that identifies investment goals and objectives, determines risk tolerance, both financial tolerance and emotional tolerance and structure a suitable portfolio.
Investment planning is the process of identifying financial goals and converting them into Specific, Measurable, Achievable, Realistic, Time-bound wealth drivers. Investment planning is the main component of financial planning, with available resources. The key to this approach is a process that identifies investment goals and objectives, determines risk tolerance, both financial tolerance and emotional tolerance and structure a suitable portfolio.
Step 1 – Establishing Investment Goals & Objectives.
Step 2 – Determining Risk Tolerance and Appropriate Asset Allocation.
Step 3 – Creating an Investment Portfolio.
Step 4 – Monitoring and Reporting.
Importance and benefits of investment planning
Family Security
Efficiently manage income
Financial Understanding
Savings:
Standard of Living
Objectives of investment planning
Safety
Income
Growth of Capital
Tax Minimization
Liquidity
Investment management refers to the handling of financial assets and other investments—not only buying and selling them. Management includes devising a short- or long-term strategies for acquiring and disposing of portfolio holdings. It can also include banking, budgeting, and tax services and duties, as well. The term most often refers to managing the holdings within an investment portfolio, and the trading of them to achieve a specific investment objective. Investment management is also known as money management, portfolio management, or wealth management.
Not to divest but to invest, is the goal.
Demystify the investment jargons by attending a webinar.
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Believe in yourself and invest in yourself
Wealth Planning & Management
Wealth Planning is the systematic, determined, goal oriented, strategic journey of creation of wealth through savings, investments, acquisition & disposal of assets.
Wealth Planning is the systematic, determined, goal oriented, strategic journey of creation of wealth through savings, investments, acquisition & disposal of assets.
Wealth management is all about managing one’s wealth. This predominantly deals with preservation of wealth and further accumulation. As part of wealth management, investors often actively try to identify and take advantage of profit-making opportunities.
To remain healthy and wealthy is the motto.
Would you like to plan & manage your wealth? Attend a webinar.
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Believe in yourself and invest in yourself
Insurance Planning & Management
Insurance planning is a critical component of a comprehensive financial plan that includes evaluating risks and determining the proper insurance coverage to mitigate those risks. Insurance plans are beneficial to anyone looking to protect their family, assets/property and themselves from financial risk/losses: Insurance plans help pay for medical emergencies, hospitalisation, contraction of any illnesses and treatment, and medical care required in the future.
Insurance planning is a critical component of a comprehensive financial plan that includes evaluating risks and determining the proper insurance coverage to mitigate those risks.
Insurance plans are beneficial to anyone looking to protect their family, assets/property and themselves from financial risk/losses: Insurance plans help pay for medical emergencies, hospitalisation, contraction of any illnesses and treatment, and medical care required in the future.
Insurance is an important part of financial planning because it protects an individual and also the members of the family from the costs associated with accidents, disability, illness and death.
Insurance planning is to protect self, members of the family and loved ones, home, assets, or business against unexpected events. The idea behind insurance is to get a group to contribute financially to a fund specifically designed to help individuals recover in the case of an unexpected loss. In this way, insurance eases financial burdens that can occur when disaster strikes.
01) Life Insurance
02) Health Insurance
03) Travel Insurance
04) Private Car Insurance
05) Two Wheeler Insurance
06) Commercial Vehicle Insurance
To insure, so as to ensure, that you are secure; that’s the purpose
. Want to make the most out of it, attend a webinar.
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Believe in yourself and invest in yourself
Retirement Planning & Management
Retirement planning is the process of setting retirement income goals and the actions and decisions necessary to achieve those goals. Retirement planning includes identifying sources of income, estimating expenses, implementing a savings program, and managing assets and ris
Retirement planning is the process of setting retirement income goals and the actions and decisions necessary to achieve those goals. Retirement planning includes identifying sources of income, estimating expenses, implementing a savings program, and managing assets and risk.
A retirement plan is designed to take care of post-retirement days and help lead a stress-free life. Retirement planning refers to financial strategies of saving, investments, and ultimately distributing money meant to sustain oneself during retirement.
6 Golden rules of retirement planning
Calculate the retirement corpus …
Start investing monthly …
Chose saving and investment avenues wisely …
Review finances regularly …
Start early …
Just retire, don’t become a satire
(Hold your head high, in your golden years)
Want to lead a stress-free retired life, attend a webinar.
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Believe in yourself and invest in yourself
Frequently Asked Questions
What is finvelth?
What are the services offered?
Educating young people in the nuances of Financial Literacy. Demystifying the world of finance, savings, investments, insurance, retirement corpus, wealth creation etc.
How do you plan to extend the services?
Through webinars, online training sessions, guidance on investment, portfolio creation, diversification etc.
How much can one expect to earn in a year?
The concept of investment is long term. A time frame of 3 to 5 years can give handsome results. There is no fixed percentage that can be quoted. But one can expect reasonable returns in the range of 15 to 20%. But all investments carry market risks.
What is your role?
Our role is to educate, to inform, to guide, to mentor, to instruct, to impart knowledge, and to provide leads to the innumerable investment opportunities that are available. But the decision to invest or not to invest rests with the investor. Our mission is to show the path.