Workshops

An average Indian investor invests roughly 85% of his investments into fixed deposit instruments which give him only 6-10% returns

An average Equity Mutual Fund investment has given 22% tax-free return for the last 10 years while Fixed Deposits has give only 8-10% during the tenure

World over smart people only buy Term insurance to protect themselves against any risk but in India most people end up buying endowment / ULIP plans and hence pay huge premiums yet remain underinsured.

As per the latest RBI report (2009-10), an average Indian saves approximately Rs 32 out of Rs 100 which is one of the highest in the world and we are really proud of this distinction. However, when it comes to investing the same money at the right place, unfortunately we are far behind and is a cause for concern. Around 70% of the household money is lying in Bank deposits, Post Office schemes or low yielding insurance policies, earning a paltry post-tax return. Less than 3% of the household investment is channelized into the capital market instruments which is clearly a long term viable investment vehicle. This clearly demonstrates that ‘India is a nation of Savers but not Investors” and the root cause for this problem is the lack of Financial Literacy.

Financial Literacy refers to the “ability to make informed judgements and to take effective decisions regarding the use and management of money”. Financial education or financial literacy has assumed greater importance in the recent years, as financial markets have become increasingly complex and there is also an information asymmetry leading to making informed choices more and more difficult for the common person.

When we started Indian Wealth Management our endeavour was to empower individuals in making smart & informed financial decisions. Indian Wealth organises professional workshops for employees of large corporates, Small & Medium Enterprises (SMEs), NGOs, B-Schools & Colleges, Housing societies, professional bodies and individuals. The workshops are well structured and are conducted by experienced professionals. The workshops can be customized according to the organization’s requirements and can be structured for time duration ranging from 2 hrs to a whole day.

The workshops can be organized for a group of 15-30 participants. The participants will be educated on wide variety of Financial Topics in a very plain and simple language.

The objective of this program is to teach you to “How to be smart with your money”

Also to ensure that participants gain a basic understanding about Financial Planning and its various components viz Insurance Planning, Investment Planning, Tax Planning & Retirement Planning.

Financial Planning

• A common man’s concern
• Financial Planning Process
• Why Financial Planning?
• Best Practices