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financial-planning.html
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<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="UTF-8" />
<meta http-equiv="X-UA-Compatible" content="IE=edge" />
<meta name="viewport" content="width=device-width, initial-scale=1.0" />
<!-- BOOTSTRAP -->
<link rel="stylesheet" href="./assets/css/bootstrap-utilities.min.css" />
<link rel="stylesheet" href="./assets/css/bootstrap-gird.min.css" />
<!-- CUSTOM STYLESHEETS -->
<link rel="stylesheet" href="./assets/css/styles.css" />
<link rel="stylesheet" href="./assets/css/utilities.css" />
<title>What is Financial Planning?</title>
</head>
<body>
<div id="dark-overlay-dropdown"></div>
<!-- SCROLL PROGRESS BAR START -->
<div class="progress-header">
<div class="progress-container">
<div class="progress-bar" id="myBar"></div>
</div>
</div>
<!-- SCROLL PROGRESS BAR END -->
<!-- --------------------------------------------- NAVBAR START --------------------------------------------- -->
<nav id="navbar" class="fp">
<a href="#" class="logo">
<img src="./assets/vector/logo.svg" alt="logo" />
</a>
<div class="nav">
<button>
<img
class="me-4"
src="./assets/vector/hamburger.svg"
alt="hamburger"
/>
</button>
<button>
<img src="./assets/vector/user.svg" alt="user" />
</button>
</div>
</nav>
<!-- --------------------------------------------- NAVBAR END --------------------------------------------- -->
<!-- --------------------------------------------- MAIN START --------------------------------------------- -->
<main>
<!-- --------------------------------------------- FINANCIAL PLANNING START --------------------------------------------- -->
<section id="financial-planning-abbr" class="page-container">
<div class="main">
<h1>What is Financial Planning?</h1>
<div class="account-info">
<div
class="general justify-content-sm-center justify-content-between"
>
<div class="d-flex justify-content-center align-items-center">
<img class="avatar" src="./assets/img/user-1.png" alt="user" />
<h6 class="name">Jerome Walton</h6>
<h6><small>5 min read</small></h6>
</div>
<div>
<a href="#">
<img
class="bookmark"
src="./assets/vector/bookmark.svg"
alt="bookmark"
/>
</a>
</div>
</div>
<div class="social">
<a href="#">
<img src="./assets/vector/linkedin.svg" alt="linkedin" />
</a>
<a href="#">
<img src="./assets/vector/twitter.svg" alt="twitter" />
</a>
<a href="#">
<img src="./assets/vector/whatsapp.svg" alt="whatsapp" />
</a>
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<img src="./assets/vector/facebook.svg" alt="facebook" />
</a>
<a href="#">
<img src="./assets/vector/website.svg" alt="web" />
</a>
</div>
</div>
<abbr>
<button>
<img src="./assets/vector/play.svg" class="play" alt="play" />
</button>
<p>
One of the key objectives of a financial plan is to educate
individuals towards their financial capacity and risk appetite.
Assessment of household income, expenses and age is the first step
towards devising a financial plan. A key aspect of the financial
plan involves assessing risk appetite (conservative, moderate, or
aggressive) of an individual which is nothing but deciding upon
allocation of savings into equity, debt and cash instruments. One
should never think of devising a financial plan without
professional help of a SEBI certified Registered Investment
Advisor (RIA). The financial advisor not only helps in identifying
SMART** financial goals but also helps in identifying the target
amount required for each of the goals like:
</p>
</abbr>
<div class="table-container">
<table class="mt-5 custom-table">
<thead>
<tr>
<th>Goals(s)</th>
<th>Time Horizon</th>
<th>Target Amount</th>
</tr>
</thead>
<tbody>
<tr>
<td>Retirement</td>
<td>60 yars of age</td>
<td>Coverage of expenses till life expectancy</td>
</tr>
<tr>
<td>Emergency Fund</td>
<td>0-4 years</td>
<td>4 months of monthly income</td>
</tr>
<tr>
<td>Car</td>
<td>0-5 years</td>
<td>12 months of monthly income</td>
</tr>
<tr>
<td>Home</td>
<td>0-7 years</td>
<td>48 months of monthly income</td>
</tr>
<tr>
<td>Travel</td>
<td>0-3 years</td>
<td>10% annual income</td>
</tr>
</tbody>
</table>
</div>
</div>
<aside class="explore">
<h3>Browse by tags</h3>
<div class="tags mt-3">
<!-- <div class="tags-group"> -->
<button class="btn-outlined">Mutual Funds</button>
<button class="btn-outlined">Cryptocurrency</button>
<!-- </div> -->
<!-- <div class="tags-group"> -->
<button class="btn-outlined">Stocks</button>
<button class="btn-outlined">Asset Management</button>
<!-- </div> -->
<!-- <div class="tags-group"> -->
<button class="btn-outlined">Goal based planning</button>
<button class="btn-outlined">Bonds</button>
<!-- </div> -->
<!-- <div class="tags-group"> -->
<button class="btn-outlined">Goal based planning</button>
<button class="btn-outlined">Start up</button>
<!-- </div> -->
<!-- <div class="tags-group"> -->
<button class="btn-outlined">Real Estate</button>
<button class="btn-outlined">Term Insurance</button>
<!-- </div> -->
<!-- <div class="tags-group"> -->
<button class="btn-outlined">Tax Saving</button>
<button class="btn-outlined">Financial Planning</button>
<!-- </div> -->
</div>
<h3 class="mt-5 mb-3">Related post</h3>
<div class="posts pt-3">
<div class="post">
<div class="text">
Top 1,000 firms in Singapore generated record turnover, profits
for
</div>
<div class="info">
<h6 class="date">01 MAR 2018</h6>
<div class="time">2 min read</div>
</div>
</div>
<div class="post">
<div class="text">
Top 1,000 firms in Singapore generated record turnover, profits
for
</div>
<div class="info">
<h6 class="date">01 MAR 2018</h6>
<div class="time">2 min read</div>
</div>
</div>
<div class="post">
<div class="text">
Top 1,000 firms in Singapore generated record turnover, profits
for
</div>
<div class="info">
<h6 class="date">01 MAR 2018</h6>
<div class="time">2 min read</div>
</div>
</div>
</div>
</aside>
</section>
<!-- --------------------------------------------- FINANCIAL PLANNING END --------------------------------------------- -->
<!-- --------------------------------------------- STOCKBROCKER (PART I) START --------------------------------------------- -->
<section class="mt-5 page-container">
<div class="main">
<h2 class="text-center">What Happens If Stockbroker Shuts Down?</h2>
</div>
<aside></aside>
</section>
<!-- --------------------------------------------- STOCKBROCKER (PART I) END --------------------------------------------- -->
<!-- --------------------------------------------- TIMELINE START --------------------------------------------- -->
<div class="timeline-wrapper">
<div class="middle-line">
<div class="slide">Slide left or right</div>
</div>
<div class="timeline-main">
<div class="item">
<div class="circle"></div>
<div class="content">
<div class="arrow-container">
<div class="arrow"></div>
</div>
<div class="container-fluid">
<div class="row">
<div class="col-9 text">
<p>
Identify investment products and make SIP*/ lumpsum
investment
</p>
</div>
<div class="col-3 img">
<img src="./assets/vector/timeline-1.svg" alt="timeline" />
</div>
</div>
</div>
</div>
</div>
<div class="item">
<div class="circle"></div>
<div class="content">
<div class="arrow-container">
<div class="arrow"></div>
</div>
<div class="container-fluid">
<div class="row">
<div class="col-9 text">
<p>
Identify investment products and make SIP*/ lumpsum
investment
</p>
</div>
<div class="col-3 img">
<img src="./assets/vector/timeline-2.svg" alt="timeline" />
</div>
</div>
</div>
</div>
</div>
<div class="item">
<div class="circle"></div>
<div class="content">
<div class="arrow-container">
<div class="arrow"></div>
</div>
<div class="container-fluid">
<div class="row">
<div class="col-9 text">
<p>
Identify investment products and make SIP*/ lumpsum
investment
</p>
</div>
<div class="col-3 img">
<img src="./assets/vector/timeline-3.svg" alt="timeline" />
</div>
</div>
</div>
</div>
</div>
<div class="item">
<div class="circle"></div>
<div class="content">
<div class="arrow-container">
<div class="arrow"></div>
</div>
<div class="container-fluid">
<div class="row">
<div class="col-9 text">
<p>
Identify investment products and make SIP*/ lumpsum
investment
</p>
</div>
<div class="col-3 img">
<img src="./assets/vector/timeline-3.svg" alt="timeline" />
</div>
</div>
</div>
</div>
</div>
<div class="item">
<div class="circle"></div>
<div class="content">
<div class="arrow-container">
<div class="arrow"></div>
</div>
<div class="container-fluid">
<div class="row">
<div class="col-9 text">
<p>
Identify investment products and make SIP*/ lumpsum
investment
</p>
</div>
<div class="col-3 img">
<img src="./assets/vector/timeline-1.svg" alt="timeline" />
</div>
</div>
</div>
</div>
</div>
</div>
</div>
<!-- --------------------------------------------- TIMELINE END --------------------------------------------- -->
<section id="chart-container" class="page-container">
<div class="main">
<div class="legend">
<div class="title">WEEKLY PROJECT VIEWS</div>
<h1>
401
<svg
xmlns="http://www.w3.org/2000/svg"
width="20.658"
height="18.937"
viewBox="0 0 20.658 18.937"
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fill="#0eb280"
/>
</svg>
</h1>
</div>
<canvas id="line-chart" style="width: 100% !important"></canvas>
</div>
<aside></aside>
</section>
<!-- --------------------------------------------- CHART END --------------------------------------------- -->
<!-- --------------------------------------------- STOCKBROCKER (PART I) START --------------------------------------------- -->
<section id="stockbroker-shutdown" class="page-container">
<div class="main">
<div class="container-fluid mt-5 mb-0 mb-sm-5">
<div class="row">
<div class="col-sm-4">
<div class="card">
<div class="col-9 col-sm-8">
<h2>
Points To <br />
Remember
</h2>
</div>
<div class="col-3 col-sm-4">
<img
class="d-block ms-auto"
src="./assets/vector/remember.svg"
alt="remember"
style="width: 70%"
/>
</div>
</div>
</div>
<div class="col-12 d-block d-sm-none">
<ul class="mt-4 mb-5">
<li>
Consult your financial plan with a SEBI registered RIA.
</li>
<li>
As you age, adjust your allocation in equity, debt, and
cash.
</li>
<li>
SMART goals with time horizon of less than five years should
ideally be covered by more of cash and debt-based
investments and less of equity-based investments.
</li>
<li>
Cash liquidity equivalent of 4 months of expenses should be
maintained all the time to meet emergency situations such as
sudden medical and job loss.
</li>
<li>Periodically track your financial plan with RIA.</li>
</ul>
</div>
<div class="col-sm-4">
<div class="card light">
<div class="col-9 col-sm-8"><h2>Benefits</h2></div>
<div class="col-3 col-sm-4">
<!-- <img src="./assets/vector/benefits.svg" alt="benefits" /> -->
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xmlns="http://www.w3.org/2000/svg"
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</svg>
</div>
</div>
</div>
<div class="col-12 d-block d-sm-none">
<ul class="mt-4 mb-5">
<li>Enables efficient tax planning.</li>
<li>Provides for adequate insurance cover.</li>
<li>
Always lets you maintain cash liquidity for emergencies such
as medical emergencies and job loss.
</li>
<li>Helps you securely build required retirement corpus.</li>
<li>
Educates you against overspending and helps you take
informed decisions on large purchases such as home, and car/
bike among other such purchases.
</li>
</ul>
</div>
<div class="col-sm-4">
<div class="card light">
<div class="col-9 col-sm-8"><h2>Impact Of Delay</h2></div>
<div class="col-3 col-sm-4">
<!-- <img src="./assets/vector/delay.svg" alt="delay" /> -->
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xmlns="http://www.w3.org/2000/svg"
width="100"
height="100"
viewBox="0 0 100 100"
>
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id="Group_11622"
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transform="translate(-1385 -1566)"
>
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<rect
id="Rectangle_1715"
data-name="Rectangle 1715"
width="100"
height="100"
transform="translate(1385 1566)"
fill="#fff"
/>
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id="Rectangle_1715_-_Outline"
data-name="Rectangle 1715 - Outline"
d="M1,1V99H99V1H1M0,0H100V100H0Z"
transform="translate(1385 1566)"
fill="#707070"
/>
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<g
id="Group_11622-2"
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transform="translate(1402.015 1571.754)"
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</svg>
</div>
</div>
</div>
<div class="col-12 d-block d-sm-none">
<ul class="mt-4">
<li>
May result in overspending on large purchases such as home,
and car/ bike among other such purchases.
</li>
<li>
Over exposure or under exposure to equity and debt funds.
</li>
<li>
Delay in investment increases risk and results in lower
returns.
</li>
<li>
Lack of preparedness for uncertain life events such as
medical emergencies and job losses.
</li>
<li>Lead to insufficient corpus for retirement.</li>
</ul>
</div>
</div>
</div>
<ul class="d-none d-sm-block">
<li>Consult your financial plan with a SEBI registered RIA.</li>
<li>
As you age, adjust your allocation in equity, debt, and cash.
</li>
<li>
SMART goals with time horizon of less than five years should
ideally be covered by more of cash and debt-based investments and
less of equity-based investments.
</li>
<li>
Cash liquidity equivalent of 4 months of expenses should be
maintained all the time to meet emergency situations such as
sudden medical and job loss.
</li>
<li>Periodically track your financial plan with RIA.</li>
</ul>
<hr class="mt-5" />
</div>
<aside></aside>
</section>
<!-- --------------------------------------------- STOCKBROCKER (PART I) END --------------------------------------------- -->
<!-- --------------------------------------------- FINANCIAL PLANNING START --------------------------------------------- -->
<section id="financial-planning-example" class="page-container mt-5 pt-4">
<div class="main">
<h2 class="mb-4">
Financial Planning Explained Via <span class="badge">Example</span>
</h2>
<p class="mb-3">
Max and Sam graduated together and were placed in a same company
with same packages. Both wanted to retire at the age of 40 and live
rest of their lives in countryside. Max without assessing his
assets, goals and liabilities started saving without creating a
proper plan. On other hand, Sam hired certified financial advisor.
Sam calculated his assets, identified expenditure including wedding,
family planning, children’s education and retirement. Sam tracked
and implemented his financial action plan.
</p>
<p class="mb-3">
Max, at 35, realized that his unorganized lifestyle left limited
money to retire at age of 40. Because of his unorganized lifestyle
Max was unable to collect enough corpus required for his early
retirement. Max was forced to work even after 40.
</p>
<p>
Sam used systematic approach and identified his SMART goals. He
properly implemented and monitored his financial action plan time to
time. He was able to achieve all his goals timely and had enough
money to retire at 40 and live his desired life.
</p>
</div>
<aside></aside>
</section>
<!-- --------------------------------------------- FINANCIAL PLANNING END --------------------------------------------- -->
<!-- --------------------------------------------- REVIEWS / COMMENTS START --------------------------------------------- -->
<section id="reviews" class="page-container">
<div class="main mt-5">
<h2>Did you like this article?</h2>
<div class="review-btns mt-3">
<button>
<img src="./assets/vector/like.svg" alt="like" /><span
class="count"
>23</span
></button
><button>
<img src="./assets/vector/dislike.svg" alt="dislike" /><span
class="count"
>01</span
>
</button>
</div>
<div class="comments mt-5 pt-3">
<h4 class="mb-3">RESPONSES</h4>
<textarea
name=""
class="comment"
id=""
rows="3"
placeholder="Write your comment"
></textarea>
<div class="comments-main mt-5">
<div class="comment">
<div class="account-info">
<div class="general">
<img
class="avatar"
src="./assets/img/user-2.png"
alt="user"
/>
<h6 class="name">Jullie Anderson</h6>
<h6><small>2 days ago</small></h6>
</div>
</div>
<div class="comment-text">
<p>
few years and this quarter was no different. Almost every
leading company delivered increased revenue figures on a
y-o-y basis which highlights the potential in the sector.
Here are some top revenue numbers across companies:
</p>
</div>
</div>
<div class="comment">
<div class="account-info">
<div class="general">
<img
class="avatar"
src="./assets/img/user-3.png"
alt="user"
/>
<h6 class="name">Robert Paul</h6>
<h6><small>3 days ago</small></h6>
</div>
</div>
<div class="comment-text">
<p>
Small-cap company Vakrangee doubled its revenue within a
year to post impressive growth of 117.64%. The revenue for
the company stood at Rs 132 crore in the quarter against Rs
60.65 crore in the same period the previous year. Wipro, a
megamoth in the industry, posted revenue growth of 22.3% to
Rs 14,913 crore in the first quarter of the financial year
while TCS followed behind with 18.5% growth that took its
revenue figures to Rs 45,411 crore.
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