Top Financial Planners & wealth management in Pune
                     Rendezvous
Winner of ALL INDAIAh mBeesdta Fbinaadn |c Piauln Aedvisor Award BY CNBC
Simple way of wealth creation with safety
“A Penny saved is a penny 
earned”
“A Penny saved is a penny earned”
Not Anymore 
Embark on the journey from a Saver 
to an Investor
The Financial Pyramid 
investment coach/advisor 
Why does 
Sachin Experienc
Tendulkar, A financial plan is a 
Novak e roadmap to achieving 
Djokovic, our financial and life 
Roger goals. It takes lot of 
Federer Skillset focus and discipline 
need a to stick to it. 
coach?
 Similarly all 
investors 
need an Time 
advisor 
because …
Earlier Scenario - 80: 20 phenomena
40 Working years 10 Retirement 
 (age 20 to age 60) years
 (age 60 to age 
70)
Age Age Age 70
20 60
 During working years savings Savings
were high Joint family
 Life style was simple Pension
 Additional expenses like mobile, 
cinema, 
    holiday tours, cable, etc. were 
not there
 Fuel expenses were less 
Today’s Scenario : 50-50  
phenomena
30 Working years 30 Retirement years
 (age 25 to age 55) (age 55 to age 85)
Age 25 Age 55 Age 85
 During working years expenses  Nuclear Family
are high  No Pension
 Life style maintenance cost is  High Medical 
high cost
 Additional expenses like mobile,  No Medicare
cable,  High cost of 
    cinema, holiday tours, etc.. living
 Fuel expenses are high
 Savings are less
Non - Negotiables
Risk Instrument
Life cover for income Term Plan Policy
replacement
Medical need Mediclaim
Personal Accident PA policy
          Tax saving instruments u/s 80C, 80CCD (1B)
 Public Provident fund
 Fixed Deposit
 Insurance
 Equity Linked Saving Scheme
 National Pension Scheme
Equities 
have 
historicall
y proven 
to provide 
by far a 
better 
return on 
investmen
t in 
compariso
n to the 
traditional 
alternativ
es.
Gold Price movement 
10 years of Gold Price data 
 5 commandments of Equity investment
1. Do not Borrow.
2. Do not put all investment in one sector.
3. Do not invest all money  in one day - Staggered.
4. Invest only that money which is not required at least for 3 years.
5. If market goes down by 30%, Be prepared for that. It should not affect your 
personal & professional activity.
Power of Compounding
The longer the period of your investment, the more you
accumulate, because of the power of compounding... which is 
why it makes sense to start investing early. As illustrated in the 
graph below you can see the power of compounding if you start 
early :
Major events VS Sensex performance 

Sensex History 
This is very Interesting data, how Sensex swings in a year & how much drawn down every calendar year. If 
someone invested in Sensex SIP, how much XIRR it generates. One thing is very clear though volatile, most of the 
time market is positive. 
TAX SAVER FUND VS PPF
PPF Invesments Tax Saver Fund
Amount Deposited 
Period
Every Year Rate of Interest Valuation in PPF NAV Valuation
Sensex
29-Mar-96 70,000   70,000 10 70,000 3,367
31-Mar-97 70,000 12.00% 1,48,400 9.04 1,33,280 3,361
31-Mar-98 70,000 12.00% 2,36,208 12.4 2,52,818 3,893
31-Mar-99 70,000 12.00% 3,34,551 19.85 4,74,712 3,740
31-Mar-00 70,000 11.00% 4,41,357 41.56 10,63,906 5,001
30-Mar-01 70,000 9.50% 5,53,280 15.72 8,83,054 3,604
28-Mar-02 70,000 9.00% 6,73,078 19.86 11,85,614 3,469
31-Mar-03 70,000 8.00% 7,96,922 18.64 11,82,782 3,049
31-Mar-04 70,000 8.00% 9,30,678 40.12 26,15,964 5,591
31-Mar-05 70,000 8.00% 10,75,130 67.56 44,74,557 6,493
31-Mar-06 70,000 8.00% 12,31,146 131.22 87,61,526 11,280
31-Mar-07 70,000 8.00% 13,99,636 133.88 90,09,063 13,072
31-Mar-08 70,000 8.00% 15,81,608 152.02 1,02,99,589 15,644
31-Mar-09 70,000 8.00% 17,78,133 97.06 66,46,167 9,901
31-Mar-10 70,000 8.00% 19,90,387 205.68 1,41,53,400 17,692
31-Mar-11 1,00,000 8.00% 22,49,622 232.9 1,61,26,560 19,445
31-Mar-12 1,00,000 8.60% 25,43,089 223.7 1,55,89,530 17,478
31-Mar-13 1,00,000 8.80% 28,66,881 225.33 1,57,13,880 18,836
31-Mar-14 1,00,000 8.70% 32,16,300 276.79 1,95,12,180 22,386
31-Mar-15 1,50,000 8.70% 36,46,118 398.16 2,82,18,242 27,957
31-Mar-16 1,50,000 8.70% 41,13,330 354.03 2,52,40,198 25,342
31-Mar-17 1,50,000 8.10% 45,96,510 469 3,35,86,864 29,621
31-Mar-18 1,50,000 7.78% 51,04,118 503.37 3,61,98,229 33,255
29-Mar-19 1,50,000 8.00% 56,62,448 528.73 3,81,71,912 38,673
31-Mar-20 1,50,000 7.10% 62,14,481 355.76 2,58,34,261 29,468
31-Mar-21 1,50,000 7.10% 68,05,710 584.25 4,25,76,543 50,030
31-Mar-22 1,50,000 7.10% 74,38,915 746.42 5,45,44,495 58,568
30-Sep-22 26,50,000   80,34,028 765 5,59,19,397 56,410
CAGR (%) 8.46% 20.13%
Any Day is Good Day – MF Returns
NAV AS ON CURRENT INCEPTION 
SCHEME NAME INCEPTION DATE
BASE DATE NAV RETURN
Franklin India Bluechip Fund 1-Dec-93 10      692.13              19.42 
SBI Magnum Global Fund 30-Sep-94 10      289.21              14.61 
HDFC Top 100 Fund 11-Oct-96 10      722.48              18.91 
ICICI Prudential Large & Mid Cap Fund 9-Jul-98 10      563.47              18.15 
ICICI Prudential Technology Fund 3-Mar-00 10      130.51              12.09 
Quant Tax Plan 1-Apr-00 10      239.89              15.22 
Quant Mid Cap Fund 9-Mar-01 10      131.46              12.73 
Quant Active Fund 21-Mar-01 10      434.65              19.21 
Kotak Equity Opportunities Fund - Regular Plan 9-Sep-04 10      204.44              18.26 
Kotak Small Cap Fund - Regular Plan 24-Feb-05 10      167.67              17.45 
Kotak Emerging Equity Fund Regular Plan 30-Mar-07 10        76.86              14.12 
Invesco India Growth Opportunities Fund 09-Aug-07 10        52.03              11.56 
Mirae Asset Large Cap Fund - Regular Plan 4-Apr-08 10        78.24              15.33 
SBI Small Cap Fund 9-Sep-09 10      113.31              20.55 
Mirae Asset Emerging Bluechip Fund - Regular Plan 9-Jul-10 10        96.32              20.48 
Parag Parikh Flexi Cap Fund - Regular Plan 28-May-13 10        47.97              18.43 
PGIM India Midcap Opportunities Fund - Regular Plan 2-Dec-13 10        45.23              18.81 
PGIM India Flexi Cap Fund - Regular Plan 4-Mar-15 10        25.46              13.26 
Mahindra Manulife Mid Cap Unnati Yojana - Regular Plan 30-Jan-18 10        17.95              15.35 
Mirae Asset Focused Fund - Regular Plan 15-May-19 10        18.74              20.94 
Mirae Asset Midcap Fund - Regular Plan 29-Jul-19 10        21.66              28.33 
Mahindra Manulife Focused Equity Yojana - Regular Plan 17-Nov-20 10        15.55              27.92 
Quant Quantamental Fund - Regular Plan 27-Apr-21 10        12.83              20.29 
RETIREMENT PLANNER
Retirement Target : 1 Crore
Time Left to (A) Monthly Systematic (B) Monthly Systematic C) Monthly Systematic 
Your Current Age Instalment                Instalment                Instalment                Retirement EMI @ 15% p.a. EMI@ 12% p.a.  EMI @ 10% p.a.
25 35 Rs.681 Rs.1,555 Rs.2,634 
30 30 Rs.1,444 Rs.2,861 Rs.4,424 
35 25 Rs.3,083 Rs.5,322 Rs.7,537 
40 20 Rs.6,679 Rs.10,109 Rs.13,169 
45 15 Rs.14,959 Rs.20,017 Rs.24,127 
50 10 Rs.36,335 Rs.43,471 Rs.48,817 
55 5 Rs.1,12,899 Rs.1,22,444 Rs.1,29,137 
59 1 Rs.7,77,583 Rs.7,88,488 Rs.7,95,826 
Ways Of Investing In Mutual Funds
RETIREMENT BENEFIT- 
SWP BENEFIT
SIP / STP >>>> 
SWP
Sip is a good approach to stay 
disciplined when it comes to investing
MONTHLY INVESTMENT AMOUNT Rs1,00,000
EXPECTED END VALUE OF YOUR MONTHLY INVESTMENT OF
EXPECTED   NUMBER OF YEARS
RETURN 5 10 15 20 25 30
COST Rs.60,00,000 Rs.1,20,00,000 Rs.1,80,00,000 Rs.2,40,00,000 Rs.3,00,00,000 Rs.3,60,00,000
10.00%            77,43,707         2,04,84,498            4,14,47,035            7,59,36,884            13,26,83,340            22,60,48,792 
12.00%            81,66,967         2,30,03,869            4,99,58,020            9,89,25,537            18,78,84,663            34,94,96,413 
15.00%            88,57,451         2,75,21,706            6,68,50,676          14,97,23,948            32,43,52,962            69,23,27,961 
Equity MF Returns
 Average Returns (%) Calendar Year %
Scheme Name
6M 1Y 2Y* 3Y* 5Y* 7Y* 10Y* 2021 2020 2019 2018 2017 2016 2015
                           
Large cap 0.5 (4.6) 23.9 13.6 10.6 11.2 12.9 26.4 14.0 11.8 (1.8) 31.5 0.7 41.8 
Large & Mid Cap 1.9 (1.5) 28.6 17.3 11.5 12.9 15.1 37.4 16.0 8.6 (7.2) 38.3 4.6 51.6 
Mid cap 4.3 1.7 33.1 22.3 12.4 13.7 17.7 44.5 23.3 2.2 (12.0) 43.8 8.2 72.1 
Small cap 3.6 2.8 39.9 28.6 14.1 15.6 18.7 62.8 29.1 (1.8) (17.3) 50.1 10.3 77.7 
Focused 1.2 (3.1) 25.9 17.7 11.4 12.3 14.6 32.0 16.5 11.4 (6.8) 36.6 3.2 52.6 
Multicap 2.8 (0.6) 32.7 21.2 13.4 13.7 16.1 43.2 15.6 6.2 (6.6) 39.8 4.0 57.4 
Flexicap 0.7 (3.4) 26.1 16.0 11.3 12.4 14.1 32.8 17.6 9.7 (4.5) 35.7 1.8 51.4 
About us : Inclusive Services, Exclusive Advisory
 Wealth First, promoted in 1992, is an independent Investment Advisory Firm
        Focused on “Treasury and Wealth Solutions”
  Advise/ Manage Assets in excess of Rs.8,000 Crores across Corporates, Family offices, Provident 
Funds, Trusts & HNIs
 Team of 20 client-focused investment professionals with  relevant experience of 300+ years
        Core Team unchanged since inception
  Team strength of over 70
 Wealth First does not follow a “one-shoe-fit-all “policy, but there are a few protocols which we follow 
for all our clients across the stratum. These being of Safety – Liquidity- Taxation- Expenses – 
Return (a function of the previous four)
      Our endeavour is to understand his needs, risk appetite, risk tolerance both communicated and 
perceived, cash flow             requirement etc. 
 After knowing and understanding all of this we make an Asset allocation for the client what we adhere 
to monitor and follow on an ongoing basis. How we differentiate ourselves from others is, our IPS or 
Solutions come in after the client needs are communicated understood (both explicit and latent) 
and not before that.  
 We always believe in simple vanilla easy to understand (by the investor) solutions. Only an 
exclusivity of the product does not make it a good product. Something, which is not easy to monitor if 
the risk or cost is high, or the lock-in is longer, then that product’s return should also be better than 
that which are otherwise available
  Past achievements including winning the prestigious CNBC – TV 18 award for India’s Best Investment 
Advisor in the IFA segment
 Wealth First broke a big glass ceiling - an IFA’s practice was not only corporatized but was taken to the 
market, thereby became the first Independent Financial Advisor in India to list practice on a stock 
exchange(NSE) on 30th March,2016
Wealth First Mantra
We always believe in 
simple vanilla easy to 
understand (by the 
investor) solutions. 
Only an exclusivity of 
the product does not 
make it a good 
product. 
Wealth First Differentiators, We always act 
what we preach
Irrespective of any situation, there are some things we 
have always stayed away from and protected our clients 
interest.
“Strong Management 
 No CRB – no defaults Team with rich Industry 
 No F&O – believe it’s a weapon of mass destructions experience”
 No Intraday Trading “To have knowledge is one 
 No Real Estate thing & to have the 
 No Close ended Fund – Structured Products courage to use it in favor 
of the clients interests is 
 No NFO’s another”
 No NSEL
 Not a single client had investments in the large MF 
debt crisis of 2020.
 All of this sums up to not loosing a single client
 Catering all Asset Class from PPF, NSC to LIC PMVVY to 
our All set of clients to get all products under one Roof
Unearthing the gems before they get their name 
09/11/2022
19/05/2017
27/11/2011
06/06/2006
14/12/2000
24/06/1995
01/01/1990
1 2 3 4 5 6 7 8
Choosing the right investment for you:
Fixed income oriented investment : 
 keeping capital preservation as a prime Dictum
Fixed Income investment : (SLTER)
 S – Safety      : Protection of capital
 L – Liquidity : Anytime liquid, tradable
 T – Taxation : To be considered for better return
 E – Expense  : Plays an important role 
 R – Return    : It’s a by-product of above all
 Accordingly, we recommend to invest in selected bonds such as RBI 
Bonds, Central Government and State Government Bonds, AAA rated 
selected PSU as well as Private companies bonds for regular interest cash 
flow along with capital safety. 
 We also recommend to invest in selected bond funds for tax efficient 
return above 3 years investment horizon.
Bifurcating the Available  Debt Options :
Debt Avenues
Interest bearing Non Interest bearing
(for steady cash (interest reinvested & tax 
flows) efficient )
PVT/PSU Taxable PSU Tax free Target 
Bond Bonds GOI / SDL Maturity Funds
Credit Rating universe
AAA
Sovereign
PSU PVT
DEBT AVENUES
  Investmen Indicativ       Indicative  
Avenues t years e Yield Safety Liquidity Taxation Post Tax Rationale
(%) Returns (%)
Prematu Interest To reduce the duration of 
Financial     re 
  withdra
income : As the portfolio Fund can be 
Co. (Fixed 1 – 5 AAA  wal per used to grab an 
Deposit) years 7.25% rated 5.08%possible applicable opportunity available in 
at a cost tax slab the mean time
 Sovereign / AAA rated 
Taxable Interest 
bonds
      income : As    Semi annualised / Bonds   per   Annualized regular (SDL / G-sec 10-15 7.50% - Soverei Tradable income
/ PSU, applicable 5.25% - years 7.75% gn  Govt Guaranteed 
Private) tax slab 5.425% Securities (SDL & G-*LTCG / STCG sec) / PSU , Private 
companies bond
  STCG: As 
  per income  Minimal credit risk
  Sovere tax slab,  Underlying investment        
Debt Mutual ign (below 36 in SDL & PSU 
Funds    and months)
   Indexation + tax 
 
(Index   Redeem  
5-7 years AAA 7% - 7.60% able LTCG: 20% 
benefit (@ 20%) 
Funds) rated after 6.50%-7% after holding for 
PSU indexation more than 3 years(above 36 
Bonds months)
Our Recommendation Rationale for Equity Mutual Fund
 We believe that India is an under researched market that active fund managers have 
a lot of opportunities to generate alpha than doing indexing. For the same instead of 
investing in just large cap funds we like to take the exposure of large cap through 
Multi cap/Flexi cap/Large & mid kind of funds. By doing this the fund manager gets a 
leeway to invest in large caps only when justifiable and not by mandate.
 We do not recommend over diversification of funds. For large cap funds we can 
invest in an Index fund while for Small and Mid we can use the fund manager’s 
expertise. We believe to optimize return of the risk taker while investing in equity. 
• Before selecting, any fund there are a few parameters and some rationale, 
which we keep in mind and on an ongoing basis monitored and tracked. Both 
Qualitative & Quantitative
1. AMC's philosophy & outlook as an Equity Fund House
2. Scheme Performance in rising and falling market 
3. Fund Size of the Scheme ( in most cases we prefer to have a low to midsized 
fund depending on the category)
4. Understand fund Manager’s stock selection & monitoring parameters , also try 
to understand his earning expectation from the portfolio
5. Current Portfolio Holding, Quality of stocks and overlapping with Other same 
category Schemes
6. Other factors like Alpha, Standard deviation , P/E of portfolio & Average churning 
are also looked at
Bifurcating the Available  Equity Options :
Equity 
Avenue
Direct Managed 
Equity Equity
Listed Private Equity Venture 
Shares Equity Mutual PMS AIF Capital Funds Funds
Our Recommended options : Shares, PMS & Equity Mutual Funds.
Other than Equity Mutual Fund
• Other than Mutual Funds there equity vehicles like PMSs, AIFs, PE Investments, VCs..
• One of the shortlisted PMS is the Small Cap PMS of Equirus. We recommend this for 5-7 years 
with a very long term view
The rationale for investing in very selected managed equity funds is being able to have an 
exposure in something which is not possible with a open ended Equity Mutual Fund.
Otherwise handsome, consistent, cost & tax efficient long term returns have been generated by 
investing only in Mutual Funds. 
  Long Term debt allocation-
Hdfc sanchay plus
Guaranteed
 Tax Free Income 
XIRR : *6.00%TO 6.71%+*Tax 
Free 
Hdfc sanchay plus-Product Summary
Age 40
Premium Premium 
Policy Start Policy Term Annual Payout Cash Flow Number of Equivalent Cash Flow Cash Flow End 
Sr. No. Amount Paying Term XIRR (%)
Date (Yrs) (INR) Start Date Cash Flows Pre Tax (%) Start Year Year
(INR) (Yrs)
1 01-Oct-22 10,00,000 5 6 3,85,000 01-Oct-29 25 5.58% 9.73% 47 72
2 01-Oct-22 10,00,000 6 7 5,04,500 01-Oct-30 25 5.84% 10.18% 48 73
3 01-Oct-22 10,00,000 7 8 6,49,500 01-Oct-31 25 6.15% 10.72% 49 74
4 01-Oct-22 10,00,000 8 9 7,78,000 01-Oct-32 25 6.20% 10.80% 50 75
5 01-Oct-22 10,00,000 9 10 9,20,500 01-Oct-33 25 6.26% 10.91% 51 76
6 01-Oct-22 10,00,000 10 11 10,85,000 01-Oct-34 25 6.35% 11.08% 52 77
7 01-Oct-22 10,00,000 11 12 12,60,000 01-Oct-35 25 6.43% 11.20% 53 78
8 01-Oct-22 10,00,000 12 13 14,42,500 01-Oct-36 25 6.46% 11.27% 54 79
Ideal 9 01-Oct-22 10,00,000 10 12 12,17,500 01-Oct-35 30 6.71% 11.69% 53 83
                       
Equivalent Pre Tax Cash Flow Calculated at 42.63%. (At highest Tax Bracket)
Cash Flow of HDFC Life
HDFC Sanchay plus - Long Term Income
Age Year Contribution Remarks
41 01-Sep-22 -25,08,000
42 01-Sep-23 -24,54,000
43 01-Sep-24 -24,54,000
44 01-Sep-25 -24,54,000
45 01-Sep-26 -24,54,000
Premium Paid
46 01-Sep-27 -24,54,000
47 01-Sep-28 -24,54,000
48 01-Sep-29 -24,54,000
49 01-Sep-30 -24,54,000
50 01-Sep-31 -24,54,000
51 01-Sep-32 0
52 01-Sep-33 0 Cooling Period
53 01-Sep-34 0
54 01-Sep-35 29,22,000
" " "
" " "                 Guaranteed Payout
82 01-Sep-63 29,22,000
83 01-Sep-64 29,22,000
83 01-Sep-64 2,40,00,000 Return of Premium
POST TAX XIRR 6.71%  
PRE TAX XIRR 11.69%  
Systematic Withdrawal plan (swp) :
A systematic withdrawal plan (SWP) is a facility  which allows you to withdraw a fixed amount from your mutual fund at 
regular periodic intervals.  
• Flexibility
• Regular Income
• Capital appreciation
Swp Working :
1) If SWP Starts immediately ;
2) If SWP Starts after 5 years ;
Succession Planning
• There is no success without a successor
Types of Assets
Physical Assets
Financial Assets
Digital Assets
Intangible Assets – Goodwill / 
USP/IP
Unknown Assets
Thank You
“Simple Process Expert Wealth”