Booklet - SEBI Investor Awareness Website - Securities and ...

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Please note that higher the return, higher is risk. It is advisable to see your risk takingability before choosing a fi nancial product.Underst<strong>and</strong> your Net worth:Please take 5 min to read the data given:The family of Mr. Dipal shah (34 years) comprises of his wife (30 years) a selfemployedprofessional, son (3 years) <strong>and</strong> mother around 65 yearsAnnual Income / Expenditure StatementItemSelf Wife Gross(`) (`) (`)Income (Salary / Professional) 2,00,000 60,000 2,60,000ExpensesHousehold Expenses 1,20,000Misc. Expenses 16,000Home loan EMI Annualised 60,000Education 12,000Personal Loan Repayment 15,000LIC Premium* (Self & Wife) 7,000Mediclaim Premium (Self & Family) 10,000Assets & Liabilities`Assets & Liabilities`Shares 40,000Life Insurance Term Plan 50,000for Self & WifeFurniture 30,000Television 10,000Home Appliances 25,000Canteen bill not paid 2,000PF (Self) 85,000Electrical Goods 3,000Company FD 25,000Residential House 6,50,000Bank FD 27,000NSC 50,000Credit card balance 25,000Phone bill not paid 2,000Bank account balance 36,000Home Loan EMI O/s 5,35,000Personal Loan 2,00,000Gold Jewelry 60,000PO MIS 1,00,000What are the assets owned by the family?1._______________________________ 6. __________________________________2._______________________________ 7. __________________________________3._______________________________ 8. __________________________________4._______________________________ 9. __________________________________5._______________________________10. __________________________________10
How will you classify the assets owned by the family?1._______________________________ 6. __________________________________2._______________________________ 7. __________________________________3._______________________________ 8. __________________________________4._______________________________ 9. __________________________________5._______________________________10. __________________________________What are the possible assets that can enhance the wealth of the family?1._______________________________ 6. __________________________________2._______________________________ 7. __________________________________3._______________________________ 8. __________________________________4._______________________________ 9. __________________________________5._______________________________10. __________________________________Learning: The focus of the family should be on accumulating assets thatwill enhance the wealth of the family.List all the liabilities for the family1._______________________________ 6. __________________________________2._______________________________ 7. __________________________________3._______________________________ 8. __________________________________4._______________________________ 9. __________________________________5._______________________________10. __________________________________Calculate the Net worth of Mr. Shah’s Family11
Page 3 and 4: TABLE OFCONTENTS1. Introduction2. B
Page 5 and 6: 2. BASICS OF SAVINGS AND INVESTMENT
Page 7 and 8: Goals come from your values. What y
Page 9: Assignment:Calculate the retirement
Page 13 and 14: Step 2:- Determine your expense for
Page 15 and 16: day you are invested is a day that
Page 17 and 18: 3. CHOOSING RIGHT INVESTMENT OPTION
Page 19 and 20: Example:-Suppose your goal is to sa
Page 21 and 22: Infrastructure Bonds of Financial I
Page 23 and 24: • May or may not be listed on the
Page 25 and 26: • Strategy is to invest in a comb
Page 27 and 28: How to Spot one?The Ponzi scheme us
Page 29 and 30: Points to Remember• Participants
Page 31 and 32: • The individual invests a certai
Page 33 and 34: Key Features• A senior citizen wh
Page 35 and 36: 9. ADVANTAGES OF FINANCIAL EDUCATIO
Page 37 and 38: Notes37
Page 40: SEBI TOLL FREE HELPLINE 18002275757

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