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Supported by a foreword addressing how the global financial crisis challenged beliefs while underscoring the enduring need for financial literacy. It explains the role of financially literate individuals and households in making informed savings and investment choices and highlights financial inclusion through better products and improved decision-making for low and middle income groups. 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The central message is that people can improve financial security by defining financial goals and creating and implementing a savings and investment plan.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},379983,1791744990,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":8,"category_name":11,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":15,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":135,"language":136,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":61,"update_tm":140,"read_time":32},137451207643,"https://ap-avatar.wpscdn.com/davatar_3d24733baf745e90a7e4bdd5f77d97b2","ICanDo  \nFinancial Planning  \nSwapna Mirashi  \nž¸¸£·¸ú¡¸ ¹£􀁱ö¸¨¸Ä ¤Îˆ RESERVE BANK OF INDIA  \n[www.rbi.org.in](www.rbi.org.in)  \n1  \nFirst published in 2010  \nby  \nACADEMIC FOUNDATION  \n4772-73 / 23 Bharat Ram Road,(23 Ansari Road), Darya Ganj, New Delhi-110 002 (India) .  \nPhones : 23245001 / 02 / 03 / 04.  \nFax: +91-11-23245005 .  \nE-mail: [books@academicfoundation.com](books@academicfoundation.com)  \n[www. academicfoundation.com](www. academicfoundation.com)  \n[in association with:](in association with:)  \nReserve Bank of India Central Office Building,  \nShahid Bhagat Singh Marg, Mumbai-400 001.  \nTel: 022-2260 1000  \nFax: 022-2266 0358  \n[E-mail: helpdoc@rbi.org.in](E-mail: helpdoc@rbi.org.in)[ ](E-mail: helpdoc@rbi.org.in)[www.rbi.org.in](www.rbi.org.in)  \nDisclaimer:  \nThis book is a financial literacy initiative of the Reserve Bank of India and is published under its Project Financial Literacy. The Reserve Bank of India and its Central Board are not responsible for interpretations and opinions expressed in this book.  \ncopyright:  \n© Reserve Bank of India 2010  \nAll rights reserved.  \nReproduction is permitted provided an acknowledgement of the source is made.  \nICanDdo Financial Planning by Swapna Mirashi  \nDesign, Illustration and Layout: by Yogesh Jahagirdar Yogakshar Design Studio [E-mail: yogakshar@gmail.com](E-mail: yogakshar@gmail.com)  \n[ISBN 13:9788171888337](ISBN 13:9788171888337)  \n2  \nForeword  \nThe global financial crisis has challenged many of our convictions and beliefs about the financial sector. But some fundamental notions have survived even such a deep Schumpeterian catharsis. Among the survivors is the belief that financial literacy is important in both developed and developing economies alike. There is virtually no country that has developed and matured without a corresponding deepening of the financial sector. And such deepening is possible only when individuals and households are financially literate and are able to make informed choices about their savings and investments. Indeed it is possible to argue that the subprime problem would not have grown to the explosive proportions that it did if people had been financially more ‘literate’.  \n2. India clocked average growth of nine percent in the period 2004-08 before the global financial crisis interrupted the growth trajectory. One of the key drivers of this growth has been the increased savings rate in the economy. The increase in savings itself has been a consequence of the changing demographics and the welcome trend among households of shifting from physical savings to financial savings. In order for us to achieve the double digit growth that we aspire to, it is critical that the savings rate in the economy not only reaches the pre-crisis level but surpasses it. This will require both supply and demand side conditions to be met. On the supply side, our financial markets need to design and supply product that households with low but growing incomes can use. On the demand side, we need to make people financially literate so that they know what they want and are equipped to make choices from among the wide array of financial products on offer in the market.  \n3. Nurturing and encouraging these supply and demand side initiatives is at the heart of the Reserve Bank’s ‘Financial Inclusion’ initiative. We want our financial markets to innovate products that combine‘safety, return and liquidity’ to meet the needs of low and middle income households. We also want our households to be financially literate so that they can make decisions on what, when, how and where to save. There are obviously several ways of widening and deepening financial literacy and the mode and method depend on the targeted audience. The Reserve Bank endeavours to reach out to every type of audience through its several initiatives.  \n4. This book in your hands, ICanDo Financial Planning, is a valuable addition to the several ongoing efforts of the Reserve Bank towards enhancing fina","cbCaicSTt0nCgkuf","https://ap.wps.com/l/cbCaicSTt0nCgkuf","pdf",5200350,143,"English","# Foreword\n## Global financial crisis and financial literacy\n## Growth, savings, and household financial decision-making\n## Financial inclusion: product design and literacy for households\n## Book purpose for youth\n## Flexible self-contained chapters","[{\"question\":\"Why does the book emphasize financial literacy?\",\"answer\":\"It argues that financial literacy helps individuals and households make informed choices about savings and investments, and it can prevent financial problems from escalating.\"},{\"question\":\"How does the Reserve Bank link financial inclusion to financial planning?\",\"answer\":\"It focuses on both supply-side efforts (designing suitable products) and demand-side efforts (making people financially literate to choose among financial products).\"},{\"question\":\"Who is the book primarily aimed at and what is its central message?\",\"answer\":\"It is aimed at youth entering jobs and careers. The central message is that people can improve financial security by defining financial goals and creating and implementing a savings and investment plan.\"}]","ICanDo Financial Planning - Foreword | PDF",1790238288]