Investment

RadheGovinda
Financial Planner and Investment Advisor

Investment Opportunity
ABOUT US
• RadheGovinda is Personalized Financial
Planner and Investment Advisory Company.
• Our Company Educates for Economic Growth,
Financial Goals, Investment and Living a
Successful Life.
• Our Company Goal ! Connecting all HNI’s,
NRI’s, Devotees.
What is Financial Planning?
• Financial planning helps you create a step-by-step roadmap to meet your financial objectives in the
future, keeping in mind your current income and investments. Financial planning gives you better
control over your income by-
• Properly defining your financial goals
• Managing your expenses & taxes, and
• Investing efficiently
Why it is Financial Planning is Important?
 Child's education
• Education is becoming increasingly expensive. With prices rising every year, these costs will only go up in the future.
 Post-retirement goals
• Everyone wants to be financially independent after retirement. Thus, you must ensure you have enough funds to cover
future expenses and fulfil your post-retirement dreams.
 Money management
• Managing your money is essential to achieve important financial milestones. A financial plan helps you prioritise your
important life goals and estimate the funds needed to achieve them. It also helps with getting significant returns on your
money within the time-frame available for fulfilling your goals.
 Tax-saving
• Taxes form a significant part of your expenses every year. Hence, it is necessary to make the right investments that help
with saving taxes5. With financial planning, you can identify such tax-saving investment options that match your savings
goals as well.
 Emergencies
• With careful money-management, you can keep aside a nest egg worth six months’ salary. It can be useful in case of
unforeseen expenses. Financial planning keeps you ready for uncertainties so that financial emergencies do not derail
your savings or affect your living standards.
• Thus, the significance of financial planning is the clarity it gives on managing your money effectively, improving your
financial well-being.
Chart Outlook
Child Post Money Tax Saving Emergencies

Education Retirement Management
Goals
SUCCESS
How it Start’s?
• Our Life education Start from 3 years the pre nursery years and it mostly ends to 23 years of age.
• After that youngster prefer to do Job or in now modern generation they do startups.
• Till 10 years our life not stable it takes for financial stability and between these 10 years we are normally
married and having Children.
• The money that we earned we think we get success because the dreams of life is normally fulfilled.
• We think this because-
• Material life is directly proportional to money.
• Any facility you can gain if you have money.
• It is a universal truth 95 % of problem are solve by having money.
• If you have every facility for life to become better. Or you have that level of income, you think it is called
success life you are dreaming or enjoying ILLUSION LIFE It is the real story.
• you did not gain success in life till now.
How it End’s?
• For normal People we do job or business about 30 years.
• The money that we earn we don’t save for future.
• After the age of 60 years our body don’t support to earn a living.
• You get retired that time we think how can I make remaining life better.
• The income you earn within 25 to 30 years of hard work that time it will help you.
• At that time your children are busy in their life. But your life will not be good I have the reason for that.
• Now I will tell you the life secret to make Successful life.
• Whether you are so much rich at your young age, you have so much fame then also you are successful.
• Saving is needed at you old age by this your life become successful.
• Don’t think normally about SAVING . It is psychology of human being to think for present times not for
future.
• At old age your body don’t support you. At that time you don’t even have that level of income , you think
your children will give you money to live a good life the percentage for this answer is 0.5%.
• No one know about future. At that time only Saving will make your life perfect.
How Saving will make Successful Life?
• At old age people need money for various reason –

• Tourism to spiritual places people like to visit at old age times.
• Hospital is our second home at old age if we talk about approx. at old age every month you needed 5000
Rupees for health.
• Financial independence is there you don’t need to ask money to your children.
• You can make your child better I tell you how! Suppose you child is suffering from financial problem at
that time you can help by saving income make their life better.
• By SAVING you can make your life Successful life.
• The 5 things in chart can be get by Saving only.
• From MATERISLISTIC GROWTH TO SUCCESS GROWTH.
LIFE INSURANCE
• COVER AGAINST UNCERTAINITIES

• It is one of the most prominent and crucial benefit of insurance. The insured individual are under
insurance policies against losses. The uncertainties can be accident, illness, etc.
• CASH FLOW MANAGEMENT

• The uncertainty of paying for losses incurred out of pocket has a significant impact on cash flow
management. The chosen insurance provider pays in event of happening of an insured event whenever
they occur.
• INVSTMENT OPPORTUNITIES
• Invest a part of premium into several market funds. This way they enables you to invest money regularly
to benefit of market linked return and fulfil your life goals.
What is Life Insurance?
• Insurance is a practice by which company or government agency provides a guarantee of compensation

for specific loss, damage, illness, old age or death in return for a payment of a premium.
• In some sense it is a thing providing protection against a possible eventually.
BENEFITS OF TAKING INSURANCE
• Provide protection
• It provides monetary reimbursement during financial crises.
• Provide certainity
• The insured pays a small portion of the income for this certainty that will help in the future
• Risk sharing
• An insurance company pools in collective risks and premiums because it covers a large number of risk-
exposed people.
• Economic growth
• Insurance policies mobilize domestic savings into providing financial stability.
• Saving habit
• They keep a portion of income to pay premiums that will act as a guard for unknown future
predicaments.
HOW MANY PERCENTAGE OF PEOPLE HAVE
TAKEN LIFE INSURANCE?
• According to economic times life insurance system is ranked 28 out of the 30 countries, highlighting the
inadequacy of the nation’s retirement program in the world’s second most populous nation.
• In comparison with 65% for Germany and 31% Brazil only 2.82%of Indians are covered under life
insurance.
Why To Take Life Insurance?
• when people come to retire they will experience a reduction in income - a pension makes up for some of
this loss of income in retirement.
• Life insurance can provide protection in the form of lump sums and pensions to dependents in the
event of a member's death.
• in order to encourage life insurance , the State provides tax relief.
HOW DO LIFE INSURANCE WORK FOR AN INDIVISUAL?
• Suppose you are 35 years old and plan to retire at 60 years of age. You estimate is that you will need ₹
45,000/- per month to maintain your lifestyle post-retirement.
Accordingly, you will need to build a fund within the next 25 years that generates a monthly income of ₹
45,000/-. This creation of a fund is what a pension plan’s role is: You put in a fixed sum regularly, and
your capital grows through investments.
At retirement, you can withdraw a specific percentage of the accumulated funds. The remaining fund
generates a fixed, regular income for you during your retirement years.
Investment
Regular Money
return back return
Regards,
Harsh Choudhary
MMI (Management and Marketing of Insurance)
M +91 99 19 09 49 89
E [email protected]
w www.Radhegovinda.com

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RadheGovinda

Financial Planner and Investment Advisor

Child Post Money Tax Saving Emergencies

• At old age people need money for various reason –

• COVER AGAINST UNCERTAINITIES

• CASH FLOW MANAGEMENT

• Insurance is a practice by which company or government agency provides a guarantee of compensation

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