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Free Personal Finance Workshops
Free Personal Finance Workshops - How to be Smart with your money
"An investment in knowledge pays the best interest" - Benjamin Franklin, One of the Founding Fathers of USA
Did you know
  • 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 Etica Wealth Management our endeavour was to empower individuals in making smart & informed financial decisions. Etica Wealth organises free 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
r A common man’s concern
r Financial Planning Process
r Why Financial Planning?
r Best Practices
Components of Financial Planning?
1. Insurance Planning
r What is insurance?
r Why Life Insurance is must?
r Origin and types of Insurance
r Special discussion on ULIPs and Term Plans
r 10 Commandments of Life Insurance
r Health Insurance & its importance
2. Investment Planning
r 10 Basic Tenets of Investments Planning
r Asset classes & allocation
r Return comparison over a period of time from different asset classes and investment options (Gold, bonds, Equity, FD, Insurance etc)
r 30 yrs Return of Sensex
r Mutual Funds as Investment Vehicle
r Special focus on SIP, STP, and SWP
r NFOs – Good or Bad?
r How you should be beware of mis-selling in these products
3. Retirement Planning
r Why Retirement Planning?
r Understanding financial goals and needs
4. Tax Planning
r Taxation impact on different investment options such as equity, Mutual Funds, ETFs, Gold, Debt etc
r Relevant sections and provisions in law
r Discussion on Section 80C
r Direct Tax Code (DTC)
5. Estate Planning
r What is Estate? Who needs Estate Planning?
r Transferring assets during life time
r Transferring assets post death – e.g nominations, will etc
If you would like to attend the workshop or arrange the workshop at your company or society/association, we request you to contact us at the below co-ordinates and we shall come back to you.
(If you want us to approach the HR Department of the organization you belong to, we shall be glad to do that using your reference.)


The program can be customized according to the participants requirements and the duration can be anywhere from 2 hrs – 1 full day

Contact us at

        or call

Mr. Gajendra Kothari, CFA, CAIA, ICFA
M: +91 98678 24321
E: gajendra.kothari@eticawealth.com

Mr. Virendra Kothari, CFA, CAIA, CFP
M:+91 98677 42732
E: virendra.kothari@eticawealth.com
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