Personal Financial Planning MCOM |2025 MCOM SEM 4 Nep|Imp Question Mcom|UNIVERSITY solution |ARK sir

Hello dear students, welcome We are currently discussing Personal Financial Planning What will come here, and how will it come? We will upload the full lecture for you We also solve sums. Main matlab tumhare liye na The important question has also been made. The entire lecture in this video What all am I going to do? Come on, solve it Hey, there are 4 chapters left, right? Are you trying your best? When the time comes, it will be yours Let all doubts be completely cleared. That's your module. First of all, the chapter that comes first, you know First topic is this Time value of money In the time value of money We need to remember the concept. It is a present value. And another future value, okay What is present value used for? Is the present value in MATLAB? On the time that is to come for him What is its value today? Always for present value The discounting factor is used What factor is used? Discounting The value that we will have in the future Needed for the coming times In the future For that, compounding is used. What happens? Compounding The discount factor is present in pb. Oh Future value with compounding You need to remember it Its format is outdated. You will get sums above it In the midst of the desert heat Uploaded the file properly. I'm handling the theoretical part first To its sum Practiced well enough Dear I am the main one. What have you brought here? Your question Time value of money In contrast to Personal financial planning Whatever we do We will do personal financial planning To the very first I want to see you Retirement planning Today we will work At that time When he retires Where will the money come from in the future? Planning for retirement We Budgeting How much money will I get? How much money will it cost? How much money will be collected? Debt management If you take a loan How long do we have to settle it? How much emergency fund have you set aside? How many governments? I need to pay taxes. For risk How much insurance have you taken? Where did you invest the money? For boys Where is the education? What is this, yours? Application Value of money Are you jaga? Who knows the child? It works. What thing do you have To understand Or remember it To basic What on earth have you said here? The main thing is not I am the main one. That child kept reading. Don't take tension It has already been given. Types of budget Budgets are of different types. He was there Cash flow budget Cash flow matlab How much money is coming in? It keeps track of it That receipt, isn't it? How much payment is that? Zero-based budgeting means that every expense must be justified for each new period, starting from a "zero base," without referencing previous budgets. It requires that Every dollar earned Matlab every dollar Matlab every rupee Earned We assign a specific purpose. Every paisa counts. It should be spent at that place. That income Minus expenditure How much income does Matlab have? He said to put it all in the expenses. It's not true. What is an envelope budget? Involved Division of cash Into envelopes of different categories Separate expenses Household ration water Alag To wander and roam Transportation Alag School's separate We will prepare the budget. How much is it costing? How much is it going to cost? We will monitor Monitor MATLAB MATLAB I want to see Cash flow We will see. Any unnecessary expenses right now Befukate Need to control it OK A little money on the side I need to go. Because the load was assigned There is a lockdown. What should we do about it? We will push. This is a debt. We will do it. There is no need to worry. Just a little bit for retirement We will gather. And those places like that We will invest What good does it do? iPhone SE is good Take one tola of gold and go Her value will increase. A good credit score Matlab, this loan is good enough What should we do? We will return it back This is money management. It's a simple topic. That's done, your task is complete. OK This savings account is fake. You'll have read it by now. You are also aware of the savings bill. Jo EMI Matlab took a loan The one who repays the loan Your If time is not paid, then pay time The savings bill gets ruined. The savings account gets ruined. Your loan won't work. Do it properly I have to maintain it, kid. Oh Who will read this book? You are very kind. Coffee Pay on time Do it properly, exactly like this Whatever response you give Responsible roaming That's an easy answer. Currently, the topic is about a child. What is this thing called? Ajao Yeah The credit card will be there. What are the benefits of a credit card? If your money I need a loan. Do you have a mango tree? What can this friend do? If it won't remain, then just take a look at it as it is. Not at all, sir Don't do it, man. Brother, take it. That credit card is very expensive. Taha is convenient. It is very helpful. You don't necessarily have to take cash every time. Swipe the card, no need to worry. Rewards are received, bonuses are received. You will get a score so that you can properly understand the credit. But what's the bad thing? There is a lot of danger in the forest. Bro, the interest rate remains. Money, when it enters a man, turns him into a demon. Spends money on expenses And then, Creed Carter's fee is always very high. Money ahead, with them They call you, and you become even more than them. It would be a very bad thing. You won't pay on time anymore So, your rating grade could be damaged. A credit card is an A.G. card and could be written in an unverifiable manner. It's not tense. A goose is a gambler, a loner Ganjumur said, "Customer" Why do customers take loans? What was the reason You're just like my Tukshin right now I need to get a 55-inch TV It's coming in at 35,000. I don't have money from you right now. Here, I'll borrow some. Here, I'll pay via EMI On one hand, there was the Ganjumur Loan. So, Gangjumur Loan needs something Kharke, personal experience Wedding rituals, innovative approaches Needed for studying Bro, you can put anything you want. Why should one need to speak? Simple, elegant Source means where it comes from Arpia does not follow Gaitland. Nor did they see either Tivari Set, Tota Tivari They give. The company provides credit loans. And take it away Microfines A group lives there. This is the one that goes to India. This is a Gormand, a type of Jatha. Pier, you must pick up your friend. Friend from friend, friend's arrow from If you speak boldly, you will become a part of a society. You will take it from there and hand it over in the conversation. It is a tropical storm in India. Where in India do you have your pajama? Cars should not be bought. Take a light if you want, otherwise don't. Invest in real estate, invest in stocks In the sheets, insert into the bond Micheal Fund Mambalo, will grow. Bank of India, HDFC What will be the dosage, and what will be the child's age in months? Amanda is this too Please, one plus, are you my hand? Reesh, you're not the firm, this isn't the firm. I need to write its maturity. Your answer will remain if you exceed the limit The first model is too big for this purpose. You can write something from the first model. And what is the matter with it? I've also solved the practical sum. Yes, children, look, this is your Which one is expected, standard, return There is also a question paper; I will try that too. So, what have you been given? Probability has been given. Return is provided, and return on stock is provided Now, how will we solve this sum? The first thing is, you should celebrate your column. What needs to be done in the column, child, in the market what? Now you will see "return" written here, standard division I'm writing, so I'll try my best. So, first of all, what would you write to me, returns We will write, we will write probability So I'll solve this, the one with r I'm solving it, I'm solving this one with 'r' How much if you go? It has been given to the child, it has been given 30, the previous 30 is it Then from 30 to 50, after 50 70, the pen is deceiving me I'll change the pen, come here What is the probability given? 0.35 10.5 We will multiply it by 50. 25, multiply this by this 10.5, just take the total, then it will be 46 That total, you know, the total expected return What shall we say, expected return Total of PR, that is Total amount spent: 46% It has returned now, regarding this For every r We will subtract minus from r-bar. We will subtract minus from every r r - Bar has returned, from this Subtract it, give me the total, If 30 goes into 46, how much will it be? Bunty, 30 went to 46 So, minus 16 40 in 50 Will come, 24 in 70 It will come, it has come. Now we will write its square. Write it in this column R-R Bar's Hole Square, 16 Square 256 minus had a come How much will the square be? 16 will come from 4, and 576 will come from 24 What should be done with this now? Who to multiblack? Multiply by probability What is 256 divided by 0.35? It is not, Et-ki-nin-pou-t-sik-sik We will multiply 0.5 by 16. 8.0, multiply by 576 on the 15th 86.4, what should be done with it now? It will be 184. So you had taken the standard division, didn't you? What would Likan have taken? Standard division What do they call the standard division? Kids say "rigs." So, what exactly needs to be done for its total? Formal lika will also work No, even if it's not Likha, still do it. We'll calculate the square root of 184, and the answer will appear now. 13.56 Who did you solve it for? What did you do in the garden? When we talk about expected return, this is exactly what it means. What do you mean by standard division? What did you do in Mali? We'll solve the other one too, just like this one. Less is best. The one with fewer rigs is the best. And not two brothers, the sum will be 15 marks The one with the lower value is better when comparing both. Right now, the next module This is with the last module. Compared to what's coming your way, little one, in the field of Malai. Is with the last module Comfirm sums are now available Now a topic: rigs So, what's on top of the rigs? Let's first take a look at one topic. So, look, even money We will not invest in it; there is a risk involved. Even in business, even in trade, there is loss, yet Tushan keeps reading. Of course, the admission of every child will come soon. Every business has its own rigs. Running a business becomes increasingly difficult. How do you manage it? First, we will protect the assets. So, what's up with the rigs? Whatever money we have invested in those assets assets should be protected because Anything can happen at an event; people might lose their jobs. Disability and illness can occur, so the loss of assets should not happen first. minimizing the rig's exposure How many rigs are there in it? Effective rig management aims to identify potential rigs. How many rigs will be in it, or if I'm putting in a lag So, it's a 20-year-old rig. Develop a strategy to manage and mitigate those risks. Say "mitigate," then don't pour the dust Try to reduce it. Try to maintain stability and stay stable. An unexpected event will occur The situation will come. You don't even need to keep investing in Jadhā. Whatever the financial goal is While controlling, towards financial goals to apply Resilience means to bounce back. If there are rigs in the business It's a loss, and I've put in all the money. There should be a strategy like this that will come to an end. reversal How to reverse Resilience should be present Tension remains, but carrying tension is another matter. I mean, it's not a good decision to make. The more majestic it remains Give it to him properly, and he'll do it today. The topic of rigs will be covered; please add it. Why do you take insurance? It's a normal topic, look here Life insurance is yours. Life will speak, then the soul will know. Whoever had life insurance for death If it doesn't speak, it's already dead. The car caught fire. You will read it from now on, it will come. It's not hard at all; the child has already become one. The type of insurance policy is also the child-related answer. You had read it Life insurance has its own benefit upon death. When it comes to health, it's about medical. When disability is mentioned, Lula becomes lame. for a long time So this type of thing It will also become yours. The health insurance policy is also fake. An answer is hidden This is also easy. Have you read it? The second topic I have read was on insurance. retirement planning We have always We will not always be strong in our lifetime. There will come a time like that, won't there? Anything is possible in the future Even a job can be lost; anything can happen. What has been done for the future? If everything is good, InshaAllah If I I've endured 15 years, and I've also managed to get through it. So after that, well, good, your channel It can grow I am feeling scared right now. My wife's sister-in-law Every human being is a goddess of happiness. Those who work at Godrej should stay focused. But the private one will have to do something or other. So, longer life spans are being experienced. People are living longer than ever before. The fewer people who live, the more you live. The more they earn, the more they'll spend, right? Mehna was cheap at first, but now you've all become cheap. Unstrategic anything is possible, brother A node can go down at any time, and that could happen too. Think of security as a part of me If you start pension planning, you'll be safe in the future. Got rid of the child, got rid of the daughter We'll stay a bit at Khadra Road, brother. No matter what happens after me, I will remain as I am. Medical expenses will no longer depend on anyone's payment. Not taking a loan Take the antidote as soon as possible; it's poisonous to us. They will remain calm. Turn it into a hensar. And the plan is You will have to provide your name. The Provident Fund is, the Pension System is, the Public Provident Fund is. The one who recites in the prayer is the one who has been given, you must follow him. Schemes have also been provided What is for retirement? How much does EPF become? 12% but 8.3 Remember this—it will not come to you as a condition The pension benefit will be received You can also withdraw money from your PF. And a sum will come for the salary Please take a good look at what I've uploaded. gratuity means pension also means, after teasing someone The money that comes in After the counterfeit, every man Gorvan Applu gets more. This means pension Money for gratuity, reason for gratuity I mean, you've worked for 30-20 years. Thirty years, twenty years of work done, he will get his paisa. gratuity is the sum of money that employer gives to work in appreciation for the service that worker has provided to the business Who has been working for ten, twenty years The thirty-year-old company Getting a job, unlike what BMC people get more of It's an act of this, meaning from last year Criteria given by him It's easy, nothing was hard. And the remaining sum, I solved the kid. The answer will be regarding types of pensions. Just revise it. I've already uploaded the sums; I was just trying to explain the shortcut briefly. The last topic is investment planning. Then what will remain on top of it? types of risk So this one has also been uploaded as an answer. Just wait and see. I'm going up, the answer isn't hard at all The measurement of the criterion standard deviation return I've solved the sum with beta. Just make sure you see him Now, I'll also help you with your question paper. So that the doubt gets cleared The sum that appeared in a paper Then this sum regarding salary came up The sum of the salary came out After the salary, another salary amount came in. The one that was uploaded, Suba What's been given here, Dosmal? portfolio, what is the benefit of real estate? The time for mutual funds What are the benefits of investing in stocks? And what is the income from other sources? Dash is today's value. Today's value discounted future cash value If discounted, the present value arrives. discounted, said, present value Compounded, said the future value Dash is not covered under motor insurance. The health claim for the driver does not come through. Dash is a form of investment. When we say "investment," it means stocks. Dash is an insurance and savings company. insurance and savings Dash is a first-time risk management process. identify the loss exposure portfolio with an equilibrium of growth and income growth and income first phase of portfolio management portfolio We will analyze Short note real The bad thing about a consumer loan Talking about credit card We will apply. We will check the credit score. saving investment But the fan isn't working; the AC is working. Lexar has uploaded everything, kid. Just make sure you've studied well and put in a lot of hard work for your sake. Panjer Planning is this planning Who does it belong to? wealth of the individual period during which an individual normally earns income pre-retirement health insurance Today, he has as much as he needs. Read the task carefully for your sake. And he calls All lectures have already been uploaded. My number, please take it. Send a WhatsApp message to Namr Full book solution, expansion The practical problem has all come together, okay Lavyu al, thank you very much There was a foundation in the fog.