A guest lecture on “Introduction to Securities Market and Personal Financial Planning was conducted for MBA students by Ms. Sushma Das, a SEBI Empaneled Securities Market Trainer from Pagdandi Edusol Private Limited. The session aimed to provide students with a foundational understanding of financial markets and the importance of effective personal financial planning.
Ms. Das introduced key concepts of money, savings, and investments, highlighting the distinction between saving for short-term needs and investing for long-term wealth creation. She explained the role of the securities market in channeling savings into productive investments and discussed the impact of inflation on purchasing power, emphasizing the need for informed investment decisions.
Students were introduced to various investment avenues, including bank deposits, mutual funds, bonds, equities, and government securities, along with their associated risk and return characteristics. The session also covered the importance of diversification as a risk management strategy and demonstrated how spreading investments across different asset classes can help achieve more stable returns.
The concept of compound interest was explained through practical examples, illustrating the long-term benefits of disciplined investing. Ms. Das also discussed the advantages of Systematic Investment Plans (SIPs), including regular investing, rupee-cost averaging, and wealth creation over time.
The lecture concluded with valuable insights into budgeting, goal setting, and developing sound financial habits at an early stage of life. The interactive session encouraged active participation and equipped students with practical knowledge to make informed financial decisions and build a strong foundation for future financial well-being.