“With Financial Planning one can manage their unforeseen risks better” said Mr. Balaji Rao, CEO founder of Sepien Knowledge Ventures during his speech at SDM PG Centre for Management Studies and Research, Mangaluru on 3rd December 2018. He delivered a guest lecture on the topic “Financial Planning why and how?”. The Guest lecture was organized in association with HDFC Mutual Fund Ltd. as a part of investors awareness programme. He highlighted the need of financial planning utility of mutual funds and also spoke about performance of funds.