<section data-autoslide="2500"> <h2>Sakthi Priyan H</h2> <h2>Building Wealth</h2> <h4 class="fragment">presenting</h4> </section> <section data-autoslide="2500"> <h2>Managing Money Flows</h2> via <h3> Bank Accounts, Credit Cards <br/>& Mutual Funds</h3> <h4 class="fragment">Oct 19, 2025</h4> </section> --- ### Disclaimer <!-- .slide: data-autoslide="5000" --> | | | |---------------|----------------| | **Personal Variation** | What works for me may not suit everyone. | | **Educational Purpose** | For learning only, not financial advice. | | **Investment Risk** | Values can rise or fall; capital may be lost. | | **Regulatory Note** | Check local laws and tax rules before investing. | | **Personal Responsibility** | Viewers are responsible for their own decisions | --- #### Contents 1. The Core Idea 2. Investments 3. Living Expenses 4. Medical Expenses 5. Travel Spends 6. Key Takeaways --- ## 1. The Core Idea > Money separated by **purpose**, **budgeted** yearly & **allocated** monthly. > Each bank account or credit card serves a specific purpose. -- ### My Bank Accounts | 🏦 **Account Type** | 💡 **Purpose** | |----------------------|------------------------| | 💰 **Income** | Where salary or income lands | | 📈 **Investment** | For long-term wealth building | | 🧾 **Expense** | For all regular bills and daily expenses | | 🏥 **Medical** | For health-related expenses | | ✈️ **Travel** | For trips, vacations and experiences | -- ### My Credit Cards | 💳 **Credit Card** | 💡 **Purpose** | |--------------------|----------------------| | 🧾 **Expense** | General Expenses and Jewellery | | 🍔 **Food** | Food/Quick commerce | | 🛒 **Online** | Exclusive for Online purchases | | 🏥 **Medical** | Exclusive for Medical Expenses | | 🌏 **Travel** | Domestic/International travel spends | --- ## 2. 📈 Investments - Monthly flow from Salary Account to Investment Account - Investment Account to Mutual Funds, International ETFs, Gold Jewellery Scheme - Mutual Funds cover Equity, Debt and Gold funds - Gold Scheme routed via Expense Credit Card for rewards -- ### Investment Flow ```dot digraph InvestmentFlow { rankdir=TB; // top-to-bottom bgcolor=transparent; splines=true; overlap=false; node [shape=rectangle, style="rounded,filled", fontname="Inter", fontsize=12, fillcolor="#f7fbff"]; edge [arrowsize=0.9, fontname="Inter", fontsize=10, color="#2b7cff"]; // --- Bank Accounts --- Salary [label="💼 Salary Account", shape=folder, fillcolor="#e8f3ff"]; Investment [label="📈 Investment Account", shape=folder, fillcolor="#e6f7ff"]; // --- Mutual Funds and Categories --- MutualFunds [label="📊 Mutual Funds", shape=folder, fillcolor="#e6fff0"]; INEquity [label="🇮🇳 Indian Equity Index Funds", shape=folder, fillcolor="#f0fff0"]; DebtMF [label="💰 Debt / Arbitrage Funds", shape=folder, fillcolor="#f0fff0"]; // --- International Investments --- IntlBroker [label="🌍 International Broker Account", shape=folder, fillcolor="#fff4e6"]; USEquity [label="🇺🇸 US Equity (NASDAQ 100)", shape=folder, fillcolor="#fff7e6"]; // --- Credit Card Path --- CreditCard [label="💳 Expense Credit Card", shape=folder, fillcolor="#e6f7ff"]; // --- Gold Cluster --- subgraph cluster_gold { label="🏆 Gold Investments"; style="rounded,dashed"; color="#ffd700"; fontcolor="#c09000"; fontsize=13; fontname="Inter"; GoldMF [label="🏅 Gold Mutual Fund", shape=folder, fillcolor="#fffbe6"]; GoldScheme [label="👑 Gold Jewellery Scheme", shape=folder, fillcolor="#fff4cc"]; } // --- Flows --- Salary -> Investment [label=" Monthly allocation"]; Investment -> MutualFunds [label=" Mutual Fund purchases"]; MutualFunds -> INEquity [label="Equity"]; MutualFunds -> DebtMF [label="Debt"]; MutualFunds -> GoldMF [label=" Digital Gold"]; Investment -> IntlBroker [label="INR to USD"]; IntlBroker -> USEquity [label=" Buy ETFs"]; Investment -> CreditCard [label=" Credit Card Bill"]; CreditCard -> GoldScheme [label=" Physical Gold"]; } ``` --- ## 3. 🧾 Living Expenses - Covers all expenses except Medical and Travel - Using Expense Account and various Credit Cards - Reserve allocated within Salary Account for yearly expenses - Relatively less complex one without a Mutual Fund -- ### Expense Flow ```dot digraph ExpensesFlow { rankdir=TB; // top-to-bottom layout bgcolor=transparent; splines=true; overlap=false; node [shape=rectangle, style="rounded,filled", fontname="Inter", fontsize=12, fillcolor="#f7fbff"]; edge [arrowsize=0.9, fontname="Inter", fontsize=10, color="#2b7cff"]; // --- Bank Accounts --- Salary [label="💼 Salary Account", shape=folder, fillcolor="#e8f3ff"]; ExpenseAccount [label="🧾 Expense Account", shape=folder, fillcolor="#e6f7ff"]; Expenses [label="💰 Expenses", shape=folder, fillcolor="#f0fff0"]; // --- Credit Cards Cluster --- subgraph cluster_credit_cards { label="💳 Credit Cards"; style="rounded,dashed"; color="#ffa500"; fontcolor="#cc6600"; fontsize=13; fontname="Inter"; FoodCard [label="🍔 Food Credit Card", shape=folder, fillcolor="#fff4e6"]; OnlineCard [label="🛒 Online Credit Card", shape=folder, fillcolor="#fff4e6"]; GeneralCard [label="💳 Expense Credit Card", shape=folder, fillcolor="#fff4e6"]; } // --- Flows --- Salary -> ExpenseAccount [label="Monthly Allocation"]; Salary -> ExpenseAccount [label="Yearly Allocation", style=dashed]; ExpenseAccount -> Expenses [label="UPI"]; ExpenseAccount -> FoodCard [label="Credit Card Bill"]; ExpenseAccount -> OnlineCard [label="Credit Card Bill"]; ExpenseAccount -> GeneralCard [label="Credit Card Bill"]; FoodCard -> Expenses [label="Credit Card"]; OnlineCard -> Expenses [label="Credit Card"]; GeneralCard -> Expenses [label="Credit Card"]; } ``` --- ## 4. 🏥 Medical Expenses - Upfront allocate for monthly/planned medical expenses - Keeping it separate to ensure immediate availability - Using both Medical Account and Medical Credit Card - Hospitalizations covered by insurance and funded by Medical Fund/Emergency Fund -- ### Medical Flow ```dot digraph MedicalFlow { rankdir=TB; // top-to-bottom layout bgcolor=transparent; splines=true; overlap=false; node [shape=rectangle, style="rounded,filled", fontname="Inter", fontsize=12, fillcolor="#f7fbff"]; edge [arrowsize=0.9, fontname="Inter", fontsize=10, color="#2b7cff"]; // --- Bank & Investment Accounts --- Salary [label="💼 Salary Account", shape=folder, fillcolor="#e8f3ff"]; Investment [label="📈 Investment Account", shape=folder, fillcolor="#e6f7ff"]; Medical [label="🏥 Medical Account", shape=folder, fillcolor="#e6f7ff"]; // --- Medical Mutual Funds Cluster --- subgraph cluster_medical_funds { label="Mutual Funds"; style="rounded,dashed"; color="#66cdaa"; fontcolor="#2f6655"; fontsize=13; fontname="Inter"; MedFund [label="💊 Medical Fund\n(Arbitrage)", shape=folder, fillcolor="#f0fff0"]; Emergency [label="🚨 Emergency Fund\n(Liquid, Hybrid)", shape=folder, fillcolor="#fff4e6"]; } // --- Credit Cards & Expenses --- MedCard [label="💳 Medical Credit Card", shape=folder, fillcolor="#e6f7ff"]; MedExpenses [label="🧾 Medical Expenses", shape=folder, fillcolor="#f0fff0"]; Hospital [label="🏨 Hospitalizations", shape=folder, fillcolor="#fff7e6"]; // --- Insurance --- Insurance [label="🩺 Health Insurance", shape=folder, fillcolor="#e6fff0"]; // --- Flows --- Salary -> Medical [label=" Monthly allocation"]; Salary -> Investment [label=" Planned allocation"]; Investment -> MedFund [label=" Invest"]; MedFund -> Investment [label=" Redeem"]; Medical -> MedCard [label="Credit Card Bill"]; Medical -> MedExpenses [label="UPI"]; MedCard -> MedExpenses [label="Credit Card"]; MedCard -> Hospital [label="Emergency Spends"]; Insurance -> Hospital [label=" Coverage"]; Emergency -> Investment [label=" Redeem on unplanned"]; Investment -> Medical [label="Hospitalizations/Top ups"]; } ``` --- ## 5. ✈️ Travel Spends - Covers domestic/international trips - Travel budgeted yearly & allocated monthly - Expenses via bank account + credit card - Backed by **Arbitrage Fund** -- ### Travel Flow ```dot digraph InvestmentTravelFlow { rankdir=TB; // top-to-bottom bgcolor=transparent; splines=true; overlap=false; node [shape=rectangle, style="rounded,filled", fontname="Inter", fontsize=12, fillcolor="#f7fbff"]; edge [arrowsize=0.9, fontname="Inter", fontsize=10, color="#2b7cff"]; // Salary and Investment (standalone) Salary [label="💼 Salary Account", shape=folder, fillcolor="#e8f3ff"]; Investment [label="📈 Investment Account", shape=folder, fillcolor="#e6f7ff"]; Salary -> Investment [label=" Monthly travel allocation"]; // Travel subgraph subgraph cluster_travel { label="✈️ Travel Fund & Expenses"; color="#00e6d9"; style=rounded; Arbitrage [label="⚖️ Travel Fund\n(Arbitrage)", shape=folder, fillcolor="#e6fff0"]; Travel [label="✈️ Travel Account", shape=folder, fillcolor="#fff4e6"]; TravelCard [label="💳 Travel Credit Card", shape=folder, fillcolor="#e6f7ff"]; TravelExpense [label="💰 Travel Expenses", shape=folder, fillcolor="#fff7e6"]; } // Flows within Travel subgraph Investment -> Arbitrage [label=" Invest"]; Arbitrage -> Investment [label=" Redeem"]; Investment -> Travel [label=" Transfer"]; Travel -> TravelExpense [label=" UPI / Debit Card"]; TravelCard -> TravelExpense [label=" Credit Card"]; Travel -> TravelCard [label=" Credit Card Bill"]; } ``` --- ## 6. Key Takeaways - Segment money → reduce stress - Budget/Allocate → everything is planned - Automate transfers → reduce friction - Use credit cards smartly → earn rewards - Short-term needs → back with liquid assets --- <section data-autoslide="1000"> <h2>Sakthi Priyan H</h2> <h2>Building Wealth</h2> <h4 class="fragment" data-fragment-index="1">Thank you! 🎉</h4><br/><br/> <span class="fragment" data-fragment-index="2">Found this helpful? 💡</span><br/><br/> <span class="fragment" data-fragment-index="3"> 👍 Like & 💬 Share with friends & family!<br/> 📌 Subscribe for more videos. </span><br/> </section>