Topic: Basics of Financial Planning Ms. Jennifer Miranda, an authorized representative from Securities and Exchange Board of India (SEBI) addressed the S. Y. B. Com Students on 1st December, 2016. She explained about financial planning and short term, Medium term and long term goals. She also stressed on smart goals. She highlighted the different instruments that can be used to achieve the goals. Such instruments can be classified into three categories, such as – Low Risk instruments – fixed deposits, cash at bank Medium Risk instruments – debentures, bonds High Risk instruments – equity shares and mutual funds She also highlighted the steps to be taken while using ATM and warned the students about the fraud mechanism followed by different organizations by using the Ponzi schemes. She advised the students to spread the message to their parents. The talk was attended by 38 students and 2 staff members.