<small style=" display:inline-block; background: linear-gradient(90deg, #f4b400, #fcd34d); color: white; padding: 4px 10px; border-radius: 6px; font-weight: 800; "> sakthipriyan.com/building-wealth </small> ## Sakthi Priyan H ## Building Wealth #### presenting <!-- .element: class="fragment" --> -- ## Financial Tools ### needed for Building Wealth #### Nov 02, 2025 <!-- .element: class="fragment" --> -- ### Disclaimer <!-- .slide: data-autoslide="5000" --> | | | | --------------------------- | ---------------------------------------------------------- | | **Personal Fit** | Strategies shared reflect my experience and comfort level. | | **Purpose** | For learning and awareness, not financial advice. | | **Risk** | Market values fluctuate; capital is always at risk. | | **Rules** | Verify local tax and investment regulations. | | **Responsibility** | Make informed choices that align with your goals. | --- ### Contents 1. Cash & Bank Accounts 2. Insurance 3. Investments a. Equity b. Hybrid & Debt c. Gold d. Real Assets 4. Credit Cards & Loans 5. Summary --- ### 1. Cash & Bank Accounts **Purpose:** Liquidity and easy access ๐ง | | | | |------|--------------|---------| | Bank Accounts | For salary credit, bill payments and daily expenses | ๐ข Continue | | Cash in Hand | Limited non-digital usage | ๐ก Minimal | | FD/RD | Used once; very tax inefficient | ๐ด Exited | > ๐ก Keeps money flowing smoothly for expenses. --- ### 2. Insurance **Purpose:** Risk management, not returns ๐ก๏ธ | | | | |------|--------------|---------| | Health | Covers hospitalization & health-related expenses | ๐ข Continue | | Term / Accident | Protects dependents in case of untimely demise | ๐ข Continue | | Motor | Mandatory for all vehicles | ๐ข Continue | | Home | Protects property & belongings | ๐ก Optional | > ๐ก First line of defense for **Building Wealth.** --- ### 3 Investments **Purpose:** ๐ Long-term growth for building wealth -- #### 3a. Equity | | | | |------|--------------|---------| | Index Funds | Low-cost, broad-market | ๐ข Continue | | Active Funds | Higher cost, inconsistent | ๐ก Paused | | Demat Account | For direct equity holdings | ๐ก Paused | | US Equity | Global diversification via International Broker | ๐ข Continue | > ๐ Grow wealth by owning businesses. -- #### 3b. Hybrid & Debt | | | | |------|--------------|---------| | Arbitrage Funds | Short-term parking for travel/medical corpus | ๐ข Continue | | Debt/Hybrid Funds | Used in the past; paused post-tax change | ๐ก Paused | | Debt Mutual Funds | Reduced benefit after Apr 2023 taxation | ๐ก Paused | > ๐ฐ Debt funds provide steady income and lower volatility. -- #### 3b. Hybrid & Debt / Retirement | | | | |------|--------------|---------| | PPF | Long-term, government-backed, tax-efficient savings | ๐ข Continue | | EPF | Mandatory for salaried; offers tax-free compounding | ๐ก Minimum | | NPS | Limited flexibility and withdrawal constraints | ๐ก Minimum | > ๐ก Provides long-term stability and retirement-focused growth. -- #### 3c. Gold **Purpose:** Inflation hedge, diversification and jewellery ๐ | | | | |------|--------------|---------| | Gold ETF | Preferred for future investments โ lower cost | ๐ข Planned | | Gold Mutual Fund | Existing investment, held for diversification | ๐ก Paused | | Physical Gold | Minimal jewellery holding as required | ๐ก Minimal | > ๐ก Acts as a portfolio stabilizer. -- #### 3d. Real Assets **Purpose:** Tangible assets for utility and lifestyle ๐ | | | | |------|--------------|---------| | House | Primary residence with potential appreciation | ๐ก Minimal | | Vehicle | Utility, not investment; manage depreciation sensibly | ๐ก Minimal | > ๐ก Offers stability, but comes with ongoing costs. --- ### 4. Credit Cards & Loans **Purpose:** Smart leverage and cash-flow management ๐ณ | | | | |------|--------------|---------| | Credit Cards | Use responsibly for rewards and short-term credit | ๐ข Continue | | Loans | Avoid for consumption; consider only for appreciating assets | ๐ก Minimal | > ๐ก *Use credit but, donโt let it use you.* --- ### 5. Summary ```dot digraph FinancialTools { rankdir=TB; bgcolor=transparent; graph [fontsize=12, fontname="Arial"]; node [shape=box, style="rounded,filled", fontname="Arial", fontsize=11, fillcolor="#ffffff"]; edge [color="#666666"]; /* Central Node */ core [label="๐ฆ Financial Tools", shape=box, style="filled", fillcolor="#f7f7f7", fontsize=13]; /* Categories */ liquid [label="๐ง Liquid", fillcolor="#eaf6ff"]; insurance [label="๐ก๏ธ Insurance", fillcolor="#effaf0"]; investments [label="๐ Investments", fillcolor="#fff4e6"]; credit [label="๐ณ Credit", fillcolor="#f0fbfb"]; /* Core Connections */ core -> liquid; core -> insurance; core -> investments; core -> credit; /* Liquid Subnodes */ cash [label="๐ต Cash"]; bank [label="๐ฆ Bank Accounts"]; liquid -> cash; liquid -> bank; /* Insurance Subnodes */ medical [label="๐ฅ Medical"]; term [label="๐ก๏ธ Term"]; vehicle [label="๐ Vehicle"]; insurance -> medical; insurance -> term; insurance -> vehicle; /* Investments Cluster */ subgraph cluster_investments { color="#f4b400"; style="rounded,dashed"; fontname="Arial"; fontsize=11; margin=10; /* Equity */ index [label="๐ Equity Index Funds"]; index_in [label="๐ฎ๐ณ India"]; index_us [label="๐บ๐ธ US"]; index -> index_in; index -> index_us; /* Debt & Hybrid */ arbitrage [label="โ๏ธ Arbitrage Fund"]; debt [label="๐ผ Debt / Hybrid Funds"]; /* Gold */ gold [label="๐ฅ Gold ETF"]; /* Retirement-like */ ppf [label="๐๏ธ PPF"]; } /* Investment connections */ investments -> index; investments -> gold; investments -> debt; debt -> arbitrage; debt -> ppf; /* Credit Subnodes */ creditcard [label="๐ณ Credit Cards"]; credit -> creditcard; } ``` --- <section data-autoslide="1000"> <h2>Sakthi Priyan H</h2> <h2>Building Wealth</h2> <h4 class="fragment" data-fragment-index="1">Thank you! ๐</h4><br/><br/> <span class="fragment" data-fragment-index="2">Found this helpful? ๐ก</span><br/><br/> <span class="fragment" data-fragment-index="3"> ๐ Like & ๐ฌ Share with friends & family!<br/> ๐ Subscribe for more videos. </span><br/> </section>