Money Simplified | Investor Education Series | Online Course | Webinar Videos
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The Complete Guide To Understanding Money
This is an Investor Education and Awareness initiative by Franklin Templeton Mutual Fund and Money Simplified Services Ltd., an associate of PersonalFN. Our goal is to help you understand concepts related to savings & investing and understanding the basics of mutual funds and its benefits. And ultimately to guide you in planning your finances so that your life's goals can be achieved. We invite you to join us in this journey as we aim to make you more aware about ways of managing your money better with the help of mutual funds!
Module 1 - Basics of Investing
Are you Saving or are you Investing (Released on 30-Aug-2013)
Can your savings help you meet your life goals or should you take the next step to grow your money? This session will help you understand why it is imperative for you to invest your money saved. [ Watch Video | Read Transcript ]
Time Value of Money & When to Start Investing (Released on 13-Sep-2013)
Will you be able to maintain today's standard of living after 5 years, with the same amount of monthly expenses that you incur today? Over the years money may lose its buying power and so you need to be ready well in advance. [ Watch Video | Read Transcript ]
Module 2 - Understanding your financial needs
Checking your Financial Health (Released on 27-Sep-2013)
Are you financially healthy? Your overall financial health is comprised of many elements, right from controlling your expenses, to investing and meeting your financial goals. This session will help you know, how by being closely involved in your financial activities, you can best judge your financial strength. [ Watch Video | Read Transcript ]
Building your Wealth with Wise Investing (Released on 11-Oct-2013)
To meet your financial goals, you need to create wealth, and one way to do it is by investing smartly and wisely. This session will instill you on what care you need to take while investing so that you can successfully build a corpus for your life goals. [ Watch Video | Read Transcript ]
Identifying your Financial Goals (Released on 25-Oct-2013)
You cannot plan your investments until you identify your financial goals. This session will help you identify your life goals and why will it be imperative to plan your investments well in advance to accomplish each of these goals. [ Watch Video | Read Transcript ]
Module 3 - Evaluating Suitable Investment Avenues
Introduction to various asset classes - Equity, Debt, Gold (Released on 8-Nov-2013)
This session will shed light on various asset classes that are considered to be an ideal mix for one's investment portfolio. Through this session you would be able to understand the functioning of each of these asset classes and how you can benefit by holding them in your portfolio. [ Watch Video | Read Transcript ]
Ideal Asset Allocation (Released on 22-Nov-2013)
While you choose to invest in various asset classes for diversification, you need to hold them in proper allocation and over time you may need to pro-actively review your asset allocation. This session will guide you on how you can create an ideal asset allocation based on your investment objective, risk appetite and time horizon. [ Watch Video | Read Transcript ]
Assessing your Risk Appetite (Released on 6-Dec-2013)
Ascertaining your risk appetite is very imperative while investing. Allocating your hard earned money without identifying risk tolerance could be disastrous. This session will help you learn how to quantify your risk taking ability. The session will talk about the factors you need to consider in order to assess your risk appetite. [ Watch Video | Read Transcript ]
Making Productive Investments (Released on 20-Dec-2013)
You can meet your financial goals only by letting your money grow at a decent pace, for which your investments need to be productive. To do this, you need to rightly identify the productive asset classes and ignore the unproductive ones - and this session helps you learn exactly that. [ Watch Video | Read Transcript ]
Module 4 - Your Guide to Mutual Funds
Introduction to Mutual Funds, its benefits and Regulatory structure (Released on 3-Jan-2014)
Mutual Funds can help your money reach the suitable asset class in a cost effective way, given its well regulated structure and several benefits that they offer. This session will help you understand the functioning of mutual funds and how this avenue can benefit you from an actively managed investment portfolio. [ Watch Video | Read Transcript ]
Some Myths About Mutual Funds (Released on 17-Jan-2014)
This session will reveal the rationale and facts behind some myths that mutual fund investors more often come across. It will be vital for you to understand these myths before you decide to invest in mutual funds. [ Watch Video | Read Transcript ]
Understanding Mutual Fund Offer Document and KIM (Released on 31-Jan-2014)
As mutual fund investments are subject to market risk, you need to read the offer document carefully before investing. This session will guide you through the structure of offer document and KIM, so that you do not miss out on important points about your selected fund, before making your first investment in the fund. [ Watch Video | Read Transcript ]
Technicalities you should know about Mutual Funds(Released on 14-Feb-2014)
Your mutual fund investment could be a simple task if you are able to understand some key technical points about your mutual fund investing. This will help you track your funds well. This session will shed light on such technicalities, which will help you figure out these terms well for your own analysis. [ Watch Video | Read Transcript ]
Various Investment options offered by Mutual Funds (Released on 28-Feb-2014)
Mutual funds offer various categories and investment options. By attending this session, it would help you understand the various options offered by mutual funds and how you, as an investor, can benefit from these options. [ Watch Video | Read Transcript ]
Modes of Investing in Mutual Funds (Released on 14-Mar-2014)
You can invest in mutual funds at your convenience. This session will help you know about various modes of investing in mutual funds and understand how you can select the most suitable way of investing in mutual funds. [ Watch Video | Read Transcript ]
Analysing Risk Return and Performance of Mutual Funds (Released on 28-Mar-2014)
To know how your mutual funds are doing, you need to keep a regular check on the performance of your funds. This session will help you understand the factors affecting the performance of your funds and the timely measures you can take, when required, in case your investments fail to meet your expectations. [ Watch Video | Read Transcript ]
How to Select Mutual Funds (Released on 11-Apr-2014)
With a large number of mutual funds in existence today, it may not be an easy task to identify the winning ones. By attending this session, you would be able to understand various parameters that need to be considered while analysing mutual funds, so that you can easily identify the winning ones for your portfolio. [ Watch Video | Read Transcript ]
Model Portfolios based on Risk Appetite and Time Horizon (Released on 25-Apr-2014)
Your investment portfolio should ideally match your risk appetite and investment time horizon. Through this session, PersonalFN will shed light on some model portfolios along with the logic, so that you can design a suitable and solid long term portfolio for yourself by relating it to your own risk appetite and time horizon. [ Watch Video | Read Transcript ]
Tax Planning with Mutual Funds (Released on 12-May-2014)
Many of us might be aware that some mutual funds enjoy the status of providing tax saving benefits. This session will help you understand the eligible categories that offer tax saving benefit and what are the criteria's under which these funds provide these benefits. [ Watch Video | Read Transcript ]
Understanding Tax Implications on Mutual Funds (Released on 23-May-2014)
Before making your investment decision you need to be aware of the tax implication on your investments. This session will update you about latest tax implications for mutual fund investors. [ Watch Video | Read Transcript ]
Mutual funds vs Fixed Deposits (Released on 6-Jun-2014)
Many of us might have investments in bank fixed deposits and prefer them over investment avenues like mutual funds.But do fixed deposits really enjoy advantage over mutual funds?This session will draw a comparative analysis of mutual funds vs. fixed deposits
[ Watch Video | Read Transcript ]
How to Smartly Invest in Gold (Released on 20-Jun-2014)
Gold being a popular asset class in India, even you might have penchant to invest in gold. But have you opted for a smart route to invest in gold? This session is designed to tell you about various ways to invest in gold, and how you can smartly make your investments in gold. [ Watch Video | Read Transcript ]
How to select your Advisor (Released on 18-Jul-2014)
One of the important decisions that you need to make in your investment destination is to identify the advisor, who will play a key role while you make your financial decisions. So it is imperative to select your advisor prudently. This session would help you know what you should look into while selecting your advisor. [ Watch Video | Read Transcript ]
Module 5 - Planning Your life goals
Life Goal 1 - Planning for Contingencies (Released on 12-Sep-2014)
Your primary life goal needs to be planning for contingencies and covering your risks, so that you and your family do not face any financial burden under any circumstances. This session will explain how you can plan for unforeseen events that may be in the offing.
Life Goal 2 - Planning for Child's Education and Marriage (Released on 26-Sep-2014)
Your kids holdthemost important place in your life, and so you cannot make any key decision without providing for your child. You have to plan in advance for their career and happiness. This session will help you draw a plan in order to achieve your next big life goal i.e. Planning for Your Childs Education and Marriage. [ Watch Video | Read Transcript ]
Life Goal 3 - How to Plan your Retirement (Released on 10-Oct-2014)
You may wish to maintain abetter or at least the same standard of living during your retirement. But for that you need to build a corpus for your golden years. This session will be designed for you to understand when and how you can start planning for your retirement so that you can easily achieve your most crucial and final life goal.
Life Goal 1 - Retirement Planning
Calculating Your Retirement Corpus (Released on 29-May-2015)
Many people often underestimate the amount of money that they need for a hassle free retirement. In just few years of their retirement, they realise that they will be running out of money. And the thought of the number of years that they may have to survive without any income is rather horrifying. So, in order that you do not land up in such a situation, it is necessary to calculate your retirement corpus carefully. In this session, we'll tell you how to go about calculating your retirement corpus. [ Watch Video | Read Transcript ]
Managing Your Cash Flows (Released on 04-Jul-2015)
Managing your cash flows wisely is imperative in the journey of building your retirement corpus. However, managing cash flows is a challenge for many individuals. Even after earning a decent income, many individuals struggle to maintain positive cash flows. So, in this session of money simplified we will help you understand how to handle your money better so as to save and invest a decent amount for your golden years of retirement.
Evaluating Your Risk Profile (Released on 17-Jul-2015)
In the world of investments, investors often make the mistake of misjudging their risk appetite. Many investors easily fall for financial instruments which may not be suitable for them or at times even invest in unregulated instruments. This is quite common in cases where investors get carried away by some extra ordinary gains made by their friends or relatives or on the basis of misleading advice. In such cases, it may happen that the returns on offer would look really attractive; but they may come with a level of risk you cannot afford to take. So, in this session of money simplified we will help you understand why is it critical to consider risk when we talk about investing and how you can evaluate your risk profile.
Allocating Assets For Your Retirement Portfolio (Released on 03-Aug-2015)
In an endeavour to live peaceful retired lives many of you may be investing in a host of investment avenues. But the question is: Are you allocating your hard earned money to the right asset classes? You see, asset allocation is an important ingredient in the endeavour to achieve your financial goals. It helps you to minimise risk in your portfolio and optimise the returns besides offering a host of other benefits which come along. In this session of money simplified, we will help you meaningfully chart your asset allocation which can help you achieve your ultimate goal of retirement effectively! [ Watch Video | Read Transcript ]
Passing Assets To Your Loved Ones (Released on 25-Aug-2015)
Have you ever thought what would happen to the wealth you created over years of hard work after you’ve left for heavenly abode? Have you ensured that your family is well-safeguarded? Dying intestate (i.e. without preparing a will) can lead to various complications and disagreements among your heirs. Hence, estate planning is vital. In this session of money simplified, we will introduce to the facets of estate planning and also the points you need to consider while writing a ‘Will’. [ Watch Video | Read Transcript ]
Retirement Planning at Various Life Stages (Released on 09-Oct-2015)
Each one of us dream of living a comfortable and peaceful retirement. But realizing a peaceful retirement is a lengthy process. It takes deep planning and years of determination from the start of your career to help you manage your finances and life style during your retirement years. In this session of money simplified, we will tell you how you can give a good start to your retirement in order to live a self-sufficient and peaceful retired life. [ Watch Video | Read Transcript ]
Life Goal 2 - Tax Planning
Reducing Tax Liability by using Deductions under Chapter VIA (Released on 19-Jan-2016 )
Tax Planning Options for Aggressive Investors (Released on 19-Feb-2016)
All of us engage in some economic activity and earn an income to make a living. Based on the quantum of income, we, as citizens of this country have a constitutional duty to abide by i.e. pay taxes and contribute to the nation building efforts of the Government. Nevertheless, it is equally important to save tax, to the extent possible, through prudent tax planning. Remember the proverb, “A penny saved is a penny earned”. In this session of Money Simplified, we will tell you how to reduce your tax liability optimally by using deductions under Chapter VIA of the Income Tax Act, 1961. [ Watch Video | Read Transcript ]
Tax Planning Options for Conservative Investors: (Released on 07-April-2016)
Feeling the heat to do tax planning as the financial year draws to a close, many individuals buy any and every tax saving investment product, without really recognizing what’s the most appropriate for them. In this session of Money Simplified, we’ll focus on helping conservative or risk-averse individuals to plan their taxes the assured return way. If you are averse to taking risk for variety of reasons, this session is for you. [ Watch Video | Read Transcript ]
Tax Planning through Mutual Funds: (Released on 29-April-2016)
Many of you may not be aware that some mutual funds are eligible to provide tax saving benefits too, thus helping you save huge amount on your taxes every year. In this session of Money Simplified, we will tell you about the features of such mutual funds and the conditions under which you can avail tax saving benefits by investing in these funds. [ Watch Video | Read Transcript ]
Tax Implications on Mutual Funds: (Released on 15-June-2016)
Before making your investment decision you need to be aware of the tax implication you would have on your investments…be it into mutual funds or any other investment avenue. In this session of Money Simplified, we will tell you about the latest tax implications that you would have on the gains or dividend income earned on your investments in mutual funds. [ Watch Video | Read Transcript ]
Why Women should be financially independent (Released on 19-Aug-2016 )
In today's era, it is important for every individual to be financially independent - be it men or women. A large number of women in India are efficient home-makers but career takes a back seat for many when they enter motherhood, or when other needs of the household become a priority. There also could be instances when some of them may need to lead their retired lives alone due to unavoidable circumstances. It is therefore important that they are financially prepared for any such exigencies for which awareness needs to be built well in advance. Participating in the financial planning exercise can empower them to achieve their life goals. [ Watch Video | Read Transcript ]
Changes in relationship status and its impact on finances (Released on 16-Sep-2016 )
India has always been conservative towards discussing love and relationships. Nonetheless, today, parents have come a long way from the orthodoxy of marrying their children within their community, to giving their children the liberty to choose their life partners. The society is evolving and the stereotypical roles are changing. However, an often neglected part in relationships is a discussion about “finances”. Life partner, be it a man or a woman need to discuss their finances openly in the interest of their long-term wellbeing. [ Watch Video | Read Transcript ]
Determining financial goals for Women and Steps to plan their finances (Released on 01-Oct-2016 )
Financial goals differ from person-to-person. Each one’s outlook towards handling money, approaching personal finance is different. Yet each one aspires something – that she wants to achieve. How women should approach their financial goals from a holistic perspective, that can help them to be: financial independent, budget prudently, debt-free, live a comfortable retired life, prepared for contingencies, and much more; will be explained in this session [ Watch Video | Read Transcript ]
How Women should go about planning their Investment & Insurance needs (Released on 30-Oct-2016 )
Women are stepping out of the stereotypical roles that traditional society had yoked them with. They’ve begun to invest, although slowly. Guru-mantras of investing – shared by Warren Buffett and many others -- will help them become wise investors. Also, along with paying attention to investment needs, the importance of optimal insurance coverage will help indemnify risk to life and health. In this session path to prudent investing and optimally indemnification vide insurance is explained. [ Watch Video | Read Transcript ]
How Women should go about planning their Retirement (Released on 19-Dec-2016 )
Estate Planning for Women (Released on 28-Jan-2017 )
Most individuals ignore estate planning, and some think it’s meant only for those who’re wealthy. But the fact is: estate planning is for everybody. And there’s more to estate planning than just writing a Will. Married women with dependent parents ought to understand the nuances of estate planning so as to make informed decisions about ensuring financial security for their loved ones. As Suze Orman says, “Estate planning is an important and everlasting gift you can give your family. And setting up a smooth inheritance isn't as hard as you might think.” So, step-up and take control of your finances for the wellbeing of your loved ones. [ Watch Video | Read Transcript ]
Child’s Future Planning Series
Need For Planning Your Child’s Future (Released on 21-March-2017 )
Investment Options For Your Child’s Future (Released on 02-May-2017 )
To plan for your child’s future – be it their education, lifestyle, marriage etc. – you have a galore of investment avenues today. But planning and investing wisely, is no child’s play. Selection can often be a perplexing and even a daunting task. You need to select an appropriate mix of various asset classes (such as equity, debt, gold and real estate) to optimally position your portfolio and strike a right asset allocation balance as you progress towards each of the financial goals set for your children’s better future. So, in this video we’ll explain the rationale behind investing in various asset classes and the avenues therein. [ Watch Video | Read Transcript ]
How To Plan For Your Child's Education (Released on 02-August-2017 )
As parents, it is natural to want the very best for your child - the best schooling, the best peer group and the best opportunities in life.
It is equally important to ingrain the importance of education, although the next-gen is smart enough, have an inquisitive acumen and are fast learners. Also, the spirit of competitiveness and vigour to achieve the pinnacle of success, whether in studies or in a work place, is very high among today’s children.
So, in this session we’ll we’ll introduce you to a sensible approach that can brighten your child’s future. [ Watch Video | Read Transcript ]
How To Plan For Your Child’s Marriage (Released on 27-October-2017 )
There was a time when weddings were only an auspicious day for the holy unison of two families which was done at a decent and rational cost.
But these days, weddings have become an occasion to display one's social stature and wealth. They are turning into a grandiose affair: fun-filled, colourful, and musical where parents want it to be the talk of the town. However, all this comes with a price tag.
You see, although marriages are the happiest moments of our lives, the cost associated with it can create a sour memory, if not dealt with care and prudent planning.
So, in this session we’ll introduce you to a sensible approach to plan for your child’s marriage. [ Watch Video | Read Transcript ]
Building An Investment Portfolio For Your Child’s Future (Released on 14-Feburary-2018 )
“When it comes to investing, there is no such thing as a one-size-fits-all portfolio.” -- Barry Ritholtz (an American author, newspaper columnist, and equity analyst)
So, in this session we’ll explain how you can build an investment portfolio for your child’s future needs. [ Watch Video | Read Transcript ]
Dos and Don’ts While Planning For Your child’s Future (Released on 08-June-2018 )
In this session we’ll take you through what you should do and what you should not while planning for your child’s future. [ Watch Video | Read Transcript ]
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How To Plan For Your Child’s Marriage .
How To Plan For Your Child's Education .