Planning your

Finances
AND WHY IT IS IMPORTANT TO START EARLY
Monthly Expense and Inflation

110,000

20,000

Today At retirement
Monthly Investment for Retirement

25,300

20,000

5,200

s es is ts 25 30
en p o m m
Ex
p de fro fro
nk l io l io
a o o
B
o rt o rt
F p F p
M M
Value of Rs 5 lakh invested 5 years ago

1,128,000

760,500

515,000

Gold Fixed Deposit Equity fund

Monthly Investment for Retirement

25,300

20,000

9,300
5,200

s es is ts 25 30
en p o m m
Ex
p de fro fro
nk l io l io
a o o
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F p F p
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Does 1% difference matter?
16,000,000
14,857,522

14,000,000

12,000,000 12,234,587

10,000,000

8,000,000

6,000,000

4,000,000

2,000,000

0
- 9 0 -9 1 -9 2 -9 3 - 9 4 -9 5 -9 6 - 9 7 -9 8 -9 9 - 0 0 -0 1 -0 2 -0 3 -0 4 -0 5 -0 6 -0 7 -0 8 -0 9 -1 0 -1 1 -1 2 -1 3 -1 4 -1 5 -1 6 -1 7 -1 8 -1 9 -2 0
n n n n n n n n n n n n n n n n n n n n n n n n n n n n n n n
Ja Ja Ja Ja Ja Ja Ja Ja Ja Ja Ja Ja Ja Ja Ja Ja Ja Ja Ja Ja Ja Ja Ja Ja Ja Ja Ja Ja Ja Ja Ja

8% 9%
Difference in realistic terms
30,000,000

25,000,000 24,529,811

20,000,000

15,000,000

11,215,436
10,000,000

5,000,000

7.5% 11.5%
 7-year Return from Sensex
50

40

30

20

10

-10
-18 r-17 -16 -14 t-13 -12 l-11 -10 r-09 -08 -06 t-05 -04 -03 r-02 r-01 -99 t-98 -97 -96 r-95 r-94 -92 t-91 -90 -89 r-88 -87
ay Ap Feb Dec Oc ug Ju ay a Jan Nov Oc ug Jun Ap a Dec Oc ug Jun Ap a Dec Oc ug Jun Ap Feb
M A M M A M A M A
Invest in an asset allocated portfolio

Stay invested for a long time

Ignore the ups and downs of the market

Thank You
Gourav Kumar