INVESTMENT AVENUES FINANCIAL GOALS WITH RIGHT FULFILL YOUR

Transcription

1 FULFILL YOUR FINANCIAL GOALS WITH RIGHT Disclaimer: The figures /projections are for illustrative purpose only. The situations/results may or may not materialise in future. Investments in Mutual Funds are subject to market risks. Past performance may or may not be repeated in future. Please read the offer document carefully before investing in any scheme. INVESTMENT AVENUES

2 ISSUED IN PUBLIC INTEREST BY GURUKUL Disclaimer: This publication is made for private circulation only. The information mentioned in this publication is taken from various sources for which we does not assume any responsibility or liability and neither does guarantee its accuracy or adequacy. Mutual Fund investments are subject to market risks. Investors are advised to read the offer documents and other risk factors carefully before investing in any scheme. The past performance of a scheme is not indicative of its future performance. Investors are advised to take advice of experts before making any investment decisions. The data/information/comparisons in this document is aimed to provide better understanding and knowledge to the reader. This publication should not be construed as a financial advice and/or as solicitation/advice to buy or sell Mutual Funds. THE BIG MONEY IS NOT IN THE BUYING AND SELLING BUT IN THE WAITING.

3 SYSTEMATIC INVESTMENT PLAN IN EQUITY MUTUAL FUNDS INVESTMENT PLAN IN EQUITY MUTUAL FUNDS SIP R10,000/- PER MONTH* INVESTED R CURRENT VALUE* R LUMPSUM INVESTED* INVESTED R CURRENT VALUE* R *From March, 2002 to March, 2017 *As on 31st March, 2017 *In March,2002 *As on 31st March,2017 Scheme Name Return CAGR (%) Value (R) Scheme Name Return CAGR (%) Value (R) 89% Funds Have delivered more than 15% return Birla Sun Life Advantage Fund Gr Birla Sun Life Equity Fund - Gr Birla Sun Life India Opportunities Fund - Gr Birla Sun Life MNC Fund Gr Birla Sun Life Tax Plan - Div Birla Sun Life Tax Relief 96 Fund - Div Canara Robeco Equity Tax Saver Fund - Div DSP BlackRock Equity Fund - Reg. Plan - Div DSP BlackRock Opportunities Fund - Gr Escorts Growth Plan G Franklin India Bluechip Fund Gr Franklin India Opportunities Fund-Gr Franklin India Prima Fund Gr Franklin India Prima Plus Gr Franklin India Taxshield Gr HDFC Capital Builder-Gr HDFC Equity Fund - Div HDFC Growth Fund Gr HDFC Large Cap Fund - Gr HDFC Long Term Advantage Fund - Gr HDFC Taxsaver - Div HDFC Top 200 Fund - Div ICICI Prudential Long Term Equity Fund - Regular Gr ICICI Prudential Multicap Fund - Gr ICICI Prudential Top 100 Fund - Gr JM Equity Fund Growth Option Kotak 50 Equity Scheme Div LIC MF Equity Fund Gr Principal Growth Fund Gr Principal Personal Tax Saver - Gr Principal Tax Savings Fund Reliance Growth Fund Gr Reliance Vision Fund Gr SBI Contra Fund - Regular Div SBI Magnum Equity Fund - Div SBI Magnum Global Fund - Div SBI Magnum Multiplier Fund - Div SBI Magnum Tax Gain Fund - Div Sundaram Tax Saver - Div Tata Ethical Fund - Gr Tata India Tax Savings Fund Regular Plan - Div Tata Large Cap Fund - Gr Taurus Discovery Fund - Gr Taurus Starshare Growth Templeton India Growth Fund Gr Average ,46,931 1,01,55,390 63,37,496 1,12,73,693 85,42,298 78,44,014 79,82,996 99,86,198 96,05,366 66,42,626 79,82,996 70,42,737 1,19,00,131 98,45,957 92,06,847 97,50,712 99,15,824 82,03,475 47,55,249 89,98,109 98,28,570 95,88,413 1,02,91,029 87,71,018 77,48,221 44,72,151 76,06,800 44,19,243 64,76,890 60,89,186 65,56,353 1,16,59,887 78,30,255 85,87,545 74,22,396 1,17,53,304 1,01,91,381 1,06,90,198 82,75,932 80,60,520 81,45,981 79,75,987 59,58,552 73,83,490 81,24,528 83,89,486 *Returns as on 31st March, For schemes with dividend option, dividend reinvestment has been considered on the date of dividend. Investment assumed to be done on 10th of every month. Funds are arranged in alphabetical order. Source: Internal 96% Funds Have delivered more than 15% return Birla Sun Life Advantage Fund Gr Birla Sun Life Equity Fund - Gr Birla Sun Life India Opportunities Fund - Gr Birla Sun Life MNC Fund Gr Birla Sun Life Tax Plan - Div Birla Sun Life Tax Relief 96 Fund - Div Canara Robeco Equity Tax Saver Fund - Div DSP BlackRock Equity Fund - Reg. Plan - Div DSP BlackRock Opportunities Fund - Gr Escorts Growth Plan G Franklin India Bluechip Fund Gr Franklin India Opportunities Fund-Gr Franklin India Prima Fund Gr Franklin India Prima Plus Gr Franklin India Taxshield Gr HDFC Capital Builder-Gr HDFC Equity Fund - Div HDFC Growth Fund Gr HDFC Large Cap Fund - Gr HDFC Long Term Advantage Fund - Gr HDFC Taxsaver - Div HDFC Top 200 Fund - Div ICICI Prudential Long Term Equity Fund - Regular Gr ICICI Prudential Multicap Fund - Gr ICICI Prudential Top 100 Fund - Gr JM Equity Fund Growth Option Kotak 50 Equity Scheme Div LIC MF Equity Fund Gr Principal Growth Fund Gr Principal Personal Tax Saver - Gr Principal Tax Savings Fund Reliance Growth Fund Gr Reliance Vision Fund Gr SBI Contra Fund - Regular Div SBI Magnum Equity Fund - Div SBI Magnum Global Fund - Div SBI Magnum Multiplier Fund - Div SBI Magnum Tax Gain Fund - Div Sundaram Tax Saver - Div Tata Ethical Fund - Gr Tata India Tax Savings Fund Regular Plan - Div Tata Large Cap Fund - Gr Taurus Discovery Fund - Gr Taurus Starshare Growth Templeton India Growth Fund Gr Average ,16,591 23,39,912 10,21,907 21,53,770 21,22,392 15,46,490 13,69,267 23,97,452 23,68,519 13,05,158 17,82,078 12,56,536 32,64,564 21,77,587 19,54,899 22,42,306 24,29,660 18,70,081 7,88,602 25,53,299 23,54,175 24,65,256 24,83,236 21,24,991 14,58,104 8,30,854 16,83,250 6,90,671 12,00,423 11,51,048 14,91,382 39,99,810 25,37,913 23,03,204 14,96,996 28,79,920 22,58,764 27,71,384 18,95,626 17,02,174 17,19,162 18,06,499 9,63,154 17,49,272 17,57,964 19,14,140 *Returns as on 31st March, For schemes with dividend option, dividend reinvestment has been considered on the date of dividend. Funds are arranged in alphabetical order. Source: Internal

4 PERFORMANCE Year 3 Years 5 Years 7 Years 10 Years Average Returns of Balanced Fund Performance in % TENURE: The above chart shows the performance of average balanced funds in India on annualised basis. *Data as of 31st March ARE YOU LOOKING FOR STABLE RETURNS ON YOUR INVESTMENT? Disclaimer: The figures/projections are for illustrative purpose only. The situations/results may or may not materialise in future. Investments in Mutual Funds are subject to market risks. Past performance may or may not be repeated in future. Please read the offer document carefully before investing in any scheme. BALANCED FUND

5 Investors want to earn maximum returns from their investments, but do not venture into equity because of the risk involved. And hence, many Equity investors eventually land up becoming Debt investors. Balanced Fund is a solution to such investors' needs. WHY SHOULD YOU INVEST IN A BALANCED FUND? WHAT IS A BALANCED FUND? Balanced Fund is a category of hybrid mutual funds which invests in a combination of debt and equity, with a view to provide capital appreciation by investing in equity asset class and contain risk by investing in debt securities. A Balanced Fund invests 65% or more of its portfolio in Equity and 35% or less in Debt. Balanced Funds are designed to offer superior long term returns generated from common stocks and offer protection to capital through investment in Debt. Tax Benefits: Since Balanced fund invests more than 65% of its portfolio in Equity, it is treated as an equity fund for taxation purpose. Capital appreciation after holding the investment for more than a year, is considered a long term capital gain, and is tax free in the hands of the investor. Less Volatile: The inclusion of a significant portion of Debt in the portfolio protects your investment from downturns. Returns: Balanced Funds rise with a rise in markets, and hence the investor gets an opportunity to earn in growing markets. Diversification: A balanced fund helps the investor diversify his money between debt and equity through a single investment. Investing in balanced fund is the best bet for a first time investor, among others. The return and risk appetite of a new investor is generally different than that of a mature investor and balanced funds satiate the desire to grow by investing in stocks as well as limit the risk by investing in debt. LONG TERM RETURNS CAPITAL APPRECIATION TAX EFFECTIVE RETURN FD VS BALANCED FUND FIXED DEPOSIT BALANCED FUND 7-8% 12-14%

6 WHAT IS BIGGER? OR YOU ARE INVESTING IN FIXED DEPOSITS WHY NOT INVEST IN Disclaimer: The figures/projections are for illustrative purpose only. The situations/results may or may not materialise in future. Investments in Mutual Funds are subject to market risks. Past performance may or may not be repeated in future. Please read the offer document carefully before investing in any scheme. BONDS

7 Bonds are commonly referred to as fixed-income securities and are one of the three main generic asset classes, along with stocks (Equities) and cash equivalents. Many corporate and government bonds are publicly traded on exchanges, while others are traded only over-the-counter (OTC). WHY SHOULD YOU INVEST IN BONDS? WHAT IS A BOND? Bonds are debt instruments issued by corporates or public sector entities, like municipalities, state or central government entities. An investor can invest his money in bonds for a fixed tenure and at a fixed rate of interest. You can either buy the bonds at the time of their issue or from the Secondary Market where they are traded after the issue. Points to Consider in Bond Investing Credit Rating: Bonds are assinged ratings by rating agencies like CRISIL, ICRA, etc., on the basis of their credibility. The ratings are like AAA, AAA+, AAA-, AA, BB, BBB, etc. and each rating represent varied levels of safety with regard to payments of interest and principal. The better the rating, the lesser the risk. Tenure: The tenure of the bond should be in line with your investment horizon. Though, there is an option of secondary market trade, but there is always an interest rate risk if you encash it before maturity. Bonds bear fixed interest rates like FD and average rate of return of a bond is around 10-11% while Fixed Deposits bear an interest rate of 7-8% on an average Bonds can be redeemed before maturity as they are traded in the secondary market You can do a bond transaction online through your Demat account No TDS on interest payouts In case of long term capital gains, the investor gets the benefit of indexation A bond transaction is quick. Payment is via RTGS and the bond will be credited into your Demat A/C by the end of day COMPARISON Comparison between FD & Bonds Basis of Comparison Fixed Deposits Bonds Interest Rate 6-7% p.a 8-10% p.a Liquidity No, Penalty on premature withdrwal Yes, Can be traded in the Secondary market TDS YES NO Short term Capital Gain As per investor's Tax Slab As per investor's Tax Slab Long term Capital Gain As per investor's Tax Slab Benefit of indexation

8 PERFORMANCE Year 3 Years 5 Years 10 Years Performance in % Average of Diversified Equity Funds S&P BSE SENSEX TENURE: Over the years, average of diversified equity funds has been able to outperform the benchmark S&P BSE Sensex. *Data as of 31st March, (Source NJ Research) DON'T PUT ALL YOUR EGGS IN ONE BASKET DIVERSIFY YOUR INVESMENTS Disclaimer: The figures/projections are for illustrative purpose only. The situations/results may or may not materialise in future. Investments in Mutual Funds are subject to market risks. Past performance may or may not be repeated in future. Please read the offer document carefully before investing in any scheme. DIVERSIFIED FUND

9 In diversified equity funds, there are schemes which diversify among sectors on the basis of market capitalisation of stocks, and the schemes invest across diverse sectors. WHY SHOULD YOU INVEST IN A DIVERSIFIED FUND? WHAT IS A DIVERSIFIED FUND? Since the portfolio of a diversified equity scheme invests across multiple sectors, the poor performance of one sector is offset by the superior returns generated by other sectors. Since Diversified schemes have the option to invest in multiple sectors, the fund manager has the discretion of shifting funds from non performing sectors to performing ones. A Diversified Equity fund is a category of mutual funds which invests in stocks of companies across multiple sectors and sizes. A diversified fund ensures that the poor performance of a particular sector or stock does not impact the entire portfolio. A Fund can diversify by investing in: Multiple Sectors: A Diversified Fund can invest in various sectors like banking, chemicals, pharmaceuticals, FMCG, automobiles, etc. Multiple sizes: A fund can also diversify on the basis of market capitalization, viz large caps having huge market capitalization, mid caps with medium capitalizations or small caps, with small market capitalizations. A diversified equity fund invests in companies regardless of size and sector. It diversifies investments across the stock market in a bid to maximize gains for investors.

10 PERFORMANCE ELSS is the smart way to save tax and create wealth If you had invested R1.5 Lacs each year in an ELSS scheme since March March 2017, it would be worth R1.37 Crores* today. *At 20.5% return as on 31st March, 2017 Average of 8 ELSS Funds) (Source NJ Research) Effective way of saving taxes through (ELSS) YOUR EARNING TAX WITHOUT ELSS TAX WITH ELSS YOU SAVE s5,00,000 s12,875 s5,150 s7,725 s7,50,000 s10,00,000 s12,50,000 s64,375 s1,15,875 s1,93,125 s33,475 s84,975 s1,46,775 *Amount in s - based on Tax Slab for FY Assuming an investment of s1,50,000 in ELSS in this Financial Year *Please see the income tax rules for details. s30,900 s30,900 s46,350 Disclaimer: The figures/projections are for illustrative purpose only. The situations/results may or may not materialise in future. Investments in Mutual Funds are subject to market risks. Past performance may or may not be repeated in future. Please read the offer document carefully before investing in any scheme. SAVE TAX SAVE YOUR HARD EARNED MONEY ELSS FUND EQUITY LINKED SAVING SCHEME

11 We all want to save our hard earned money and we look to invest in various traditional tax saving instruments falling under Section 80C like Bank FD, NSC, PPF, etc. to save tax. One of the best and the most popular ways to save tax is investing in ELSS Mutual Funds. ELSS has the minimum lock-in period of three years amongst all tax saving instruments WHAT IS ELSS? Equity Linked Saving Scheme (ELSS) is a diversified equity mutual fund that is qualified for exemption of upto R1,50,000 under Section 80C of the Income Tax Act. Investor gets the dual benefit of Capital Appreciation and Tax Exemption. An ELSS mutual fund scheme is required to hold at least 65% of its total portfolio in equity stocks. If you invest in ELSS through SIP, each SIP installment will be locked in for a period of three years from the date of investment. The long term capital appreciation is tax free in the hands of the investor, while in case of other tax saving instruments like Bank FD, or NSC, etc. the interest is taxable. Though interest earned on PPF is also tax free, but the tenure of PPF is 15 years as compared with 3 years for ELSS. Excellent opportunity to create wealth in growing Indian stock markets You can opt for SIP option in ELSS, if you don't want to invest a huge amount in one go. It will also bring in discipline in investing. COMPARISON Let's compare the following tax saving options u/s 80C... Returns of the scheme is dependent on the performance of the securities invested TAX free Dividends By investing in ELSS, u/s 80C you can save upto R 46,350/- Product PPF NSC BANK FD ULIPs Tenure (Years) 15 yrs can be extended in tranches of 5 yrs 5 YEARS Above 5 5 (lock-in) Minimum Investment Currents Returns 8.1% Half 8% for 5 years 7% with quarterly compounding Market Linked Tax Implication on returns Tax Free Interest accrued is taxed every year as per slab Same as NSC Capital gains are tax free *For FY for a resident individual falling in highest tax bracket R500/- R100/- R1,000/- R10,000/- ELSS 3 (lock-in) R500/- Market Linked TAX FREE

12 PRODUCT BASKET SIP PURCHASE ALL MUTUAL FUNDS EQUITY SHARES SECONDARY BOND DEBT - IPO ETF Download Mobile Application INTER AMC SWITCH REDEEM E-WEALTH AC APPLE (App Store) ANROID (Play Store) MUTUAL FUND INVESTMENT MADE EASY QUICK & EASY INVESTMENT ANYTIME - ANY WHERE - ONLINE Disclaimer: The figures/projections are for illustrative purpose only. The situations/results may or may not materialise in future. Investments in Mutual Funds are subject to market risks. Past performance may or may not be repeated in future. Please read the offer document carefully before investing in any scheme. GO PAPERLESS. GO DIGITAL. GO E-WEALTH

13 PURCHASE SIP INTER AMC SWITCH REDEEM NOW MANAGE YOUR WEALTH ON YOUR MOBILE WHY SHOULD YOU HAVE NJ E-WEALTH A/C? NJ E-Wealth Account is a comprehensive platform where you can view your entire wealth at a single place, be it in Mutual Funds, Direct Equity, ETFs, IPOs, Bonds together with their current valuation. Not only that you can also transact from anywhere in the world in all these products and buy, sell or switch your investments in any product simply through your computer or smart phone. With NJ E-Wealth A/c, the entire investment process can be carried out online. Access your entire wealth portfolio across Mutual Funds, Direct Equity, ETFs, IPOs, Bonds along with their current valuation, at a single place. Buy, sell or switch investments simply through your computer or smartphone anytime and from anywhere in the world. N WHAT IS NJ E-WEALTH A/C? PHYSICAL APPLICATION GO PAPERLESS GO DIGITAL N SIGNATURE REQUIRED GO PAPERLESS GO DIGITAL EVERYTHING ONLINE INVEST SWITCH REDEEM GO PAPERLESS GO DIGITAL You can do Purchase, Redemption, SIP, Inter AMC Switch or STP tranactions You can do stock market purchase and sale transactions You can buy, sell or do SIP transactions in Exchange Traded Funds CONVENIENT & SECURED PAYMENT OPTIONS Debit Card Net Banking RTGS / NEFT Auto Debit / ACH Cheques EASY PROCESS OF TRANSMISION Shortest Transmission Process COMPREHENSIVE REPORTS Transaction report Valuation report Profit & Loss report EASY & MULTIPLE MODES OF TRANSACTIONS ONLINE MOBILE APP SMS/ * *Terms & conditions applicable. CENTRALISED CUSTOMER CARE All query solutions at single point Call AUTO TRANSACTION ALERTS SMS/ alerts for transaction done INNOVATIVE TRANSACTIONS Inter AMC Switch/STP Mutual Fund Automated Rebalancing System (MARS) SIP in Equity Shares SINGLE CONTACT POINT FOR ANY MODIFICATION/CHANGES One time registration for all changes ON PHONE* (CALL)

14 MAKE A NEW HABIT OF SAVING & ENCASHING MONEY What do you do when you have surplus cash now but you may need it anytime and so you don't want to risk and block your money? Your best shot would be keeping it in your cupboard or deposit in your saving account. But if you are looking for safety and liquidity of your cash along with better returns, then Liquid Funds is your best bet. I get more return than your saving a/c I save & redeem online WHAT IS INSTAA CASH? NJ E-Wealth brings to you InstaaCash. Now you can get more returns than your regular savings account & get cash instantly whenever you need... even on Holidays. Invest idle money lying in your bank A/C, in liquid funds Get returns higher than your saving A/C Get money anytime in your bank A/C, even on a sunday or a holiday in Just 30 mins. InstaaCash is available on all 365 days & 24*7 For Private Circulation Only Whenever needed I get money instantly, even on holidays I get more return on my hard earned money which was lying idle NJ E - Wealth presents Instaacash. Get more return than your bank saving account & get cash instantly whenever you need it... even on holidays. ANYTIME - ANYWHERE - ONLINE.

15 7%>4% EARN BETTER RETURNS THAN SAVING & CURRENT ACCOUNT Disclaimer: The figures/projections are for illustrative purpose only. The situations/results may or may not materialise in future. Investments in Mutual Funds are subject to market risks. Past performance may or may not be repeated in future. Please read the offer document carefully before investing in any scheme. LIQUID FUND

16 What do you do when you have surplus cash now but you may need it anytime and you don't want to risk and block your money? Your best shot would be keeping it in your cupboard or deposit in your saving account. But if you are looking for safety and liquidity of your cash along with better returns, then Liquid Funds is your best bet. WHY SHOULD YOU INVEST IN A LIQUID FUND? WHAT IS A LIQUID FUND? A liquid fund is a category of debt funds which invests in short term debt securities like Certificates of Deposit, Treasury Bills, Commercial Papers and Term Deposits. These securities have a low maturity period since liquid schemes have no lock in. So if you want to park your extra cash and you need the money soon, say in a week or a month or few months, you don't have to adjust with the low returns offered by your savings bank account, you can stash the cash in Liquid Funds. You can invest in a liquid fund even for one day. You can easily park your money for short intervals. Money kept at home or in savings account is not growing, the returns are lower than the inflation rate in our country. You can withdraw your investment anytime, without accruing any penalty. Since Liquid Funds invest in fixed income securities with short maturities, hence they bear a lower risk. No entry and exit loads, hence Liquid Funds are cost efficient for the investor. COMPARISON Let's compare the following options of short term investments There are times when you have money at home kept for meeting routine or emergency fund requirements, like kids' school fee, a marriage function in your family, car service, weekend getaways, etc. You might have money lying idle in your savings account, especially salaried people whose money keep on accumulating in their salary accounts. Businessmen, who have current accounts on which they earn 0% rate of interest. Now you can earn extra income by moving your money from your cupboards, savings or current accounts into liquid funds. You get better returns and you can withdraw whenever you need. Indicators Returns Premature Withdrawal Risk Taxability Money kept at home 0% NA High Risk NA Savings Account 4.0% Yes No Risk Interest is taxable Liquid Fund 6-7% Yes Minimal Risk Dividend is subject to STT but is tax free in hands of the investor. In case of growth option, if you redeem before 1 year, you will be taxed as per your income tax slab

17 UNITS The total money that is collected from the investors by a mutual fund is the capital of the scheme and this capital is broken down into units. The investor is issued units of the scheme. Just like shares represent the extent of equity ownership in a company, units represent your extent of ownership in a mutual fund. NAV Net Asset Value (NAV) is the value per unit of the mutual fund scheme. It is the main performance indicator of a scheme. If the scheme is profitable, the NAV increases and if the scheme is in loss, the NAV goes down. NAV represents the market value of the securities in the scheme's portfolio. Mutual Fund units are bought and sold on the basis of NAV of the scheme. NAV is updated and published daily, in at least two newspapers having nationwide circulation. You can view your scheme's latest NAV anytime from AMFI website and various other websites BUILT WEALTH WITH Disclaimer: The figures/projections are for illustrative purpose only. The situations/results may or may not materialise in future. Investments in Mutual Funds are subject to market risks. Past performance may or may not be repeated in future. Please read the offer document carefully before investing in any scheme. MUTUAL FUND

18 A mutual fund pools money from many investors and invests the money in securities such as stocks, bonds, and short-term debt. The combined holdings of the mutual fund are known as its portfolio. Diversification: A mutual fund spreads your money across a diverse number of securities. It ensures that all your eggs are not in one basket, thus reducing the risk in investment, which for an individual investor is tough to practice. WHAT IS A MUTUAL FUND? A Mutual Fund is an investment vehicle, through which a large number of investors pool in their money to invest in a range of financial securities such as stocks, bonds, money market instruments, etc., in line with the investment objectives agreed upon, between the mutual fund and the investors. Mutual Funds are run by Asset Management Companies. Investors' money is managed by a professional fund manager, who uses his knowledge and experience, to invest your money in various financial instruments and securities. Mutual Funds help investors build their wealth by enabling them participate in various opportunities available in the market. The money raised from the investors goes to the government, corporates, banks and other entities, which helps them invest in projects and fund expenses. Wide Choice: In India a wide variety of mutual fund schemes are offered by 43 mutual funds AMCs. So, there is a scheme available for every kind of risk and return appetite and every time horizon. Safe & Convenient: It is possible for investors to structure their investments according to their liquidity and taxation requirements. Further, an investor can withdraw his investment fully or partially, anytime from the mutual fund. Mutual fund transactions are safe as all transactions are carried out via your bank account only. Well Regulated: Mutual Funds are regulated by SEBI. The latter has mandated strict checks and is constantly refining rules and regulations to keep a check on mutual funds' activities and hence ensures investors' protection. Tax Savings: Investment in ELSS Mutual Fund Schemes is eligible for deduction of upto R1.50 Lacs p.a. under Section 80C of the Income tax Act. Further, ELSS scheme has the minimum lock in period of 3 years amongst all tax saving instruments. Online Transactions: Now all mutual fund transactions can be executed completely online through a Demat account. Now an MF transaction can be done from your smart phone and no paperwork is involved. Systematic: Option to invest systematically through SIP & STP and withdraw regularly through SWP. Tax Benefits: Long term capital gain in MF is nil. If you invest in equity MF scheme for 1 year or more, you don t have to pay any taxes on returns made by you.

19 MARS DAA-AGGRESSIVE PORTFOLIO: PERFORMANCE ACROSS MARKET CYCLES DAAA Nifty 500 Market Rising Nifty 500: 54.45% DAAA: 50.87% Market Falling Nifty 500: % DAAA: -2.32% Market Cycle Nifty 500: 75.59% Market Rising Nifty 500: 43.24% DAAA: 32.21% 9.00 Dec-13 Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 Note: Graph is for the period: Dec 16th, May 31st, Benchmark: Nifty 500 (Source: NSE). Clients portfolio performance may differ from the model portfolio performance. Returns shown above are absolute numbers. Past Performance may or may not sustain in the future. MAKE THE RIGHT MOVES FOR YOUR INVESTMENTS... Disclaimer: The figures/projections are for illustrative purpose only. The situations/results may or may not materialise in future. Investments in Mutual Funds are subject to market risks. Past performance may or may not be repeated in future. Please read the offer document carefully before investing in any scheme.

20 Every investor while investing wishes to maximise his returns while minimising his risk. Asset Allocation and Superior scheme selection are time tested proven ways for doing the same. But time and again it has been proven that for an investor to manage his asset allocation and select superior schemes is extremely tough and difficult to execute due to operational and behavioural reasons. WHY SHOULD YOU INVEST IN NJ MARS? MARS stands for Mutual Fund Automated Portfolio Rebalancing System Want to invest in Equities but afraid of volatility? Want to capture Growth of the market, but protect the downfall? Want to invest in Best Equity MF Schemes at all times? Invest in NJ MARS WHAT IS NJ MARS? NJ MARS (Mutual Funds Automated Rebalancing System) manages asset allocation of your portfolio in line with the market movement based on solid NJ research (increases equity exposure when markets are low and decreases exposure when markets are high). This helps in capturing the upside in the market while protecting the downside. Also, your money is invested in consistently performing schemes, shortlisted based on NJ research. The non performing schemes, if any, in the portfolio, are replaced with better schemes on an annual basis. What s more interesting, all these transactions related to investment and rebalancing in the portfolio are done on a click of a button from your desk top or smart phone without the requirement of filling lengthy forms!! SALIENT FEATURES OF MARS It gives clients access to a range of well diversified portfolios to choose from. There are 2 broad sets of asset allocation portfolios: A) Dynamic Asset Allocation: the asset allocation between equity and debt would vary depending on the Search Results valuations of the equity markets; higher the valuation, lower will be the allocation into equities and vice versa. B) Fixed Asset Allocation: the asset allocation between equity and debt will be kept fixed. The underlying MF schemes will be selected by the NJ Research Team. The asset allocation rebalancing would be done yearly for Fixed Asset Allocation and on half yearly basis for Dynamic Asset Allocation. The MARS portfolios are only available to clients holding NJ E-Wealth Accounts. BENEFITS OF MARS Client can select a model portfolio depending on his risk oppetite & investment needs. Helps the client invest in well researched mutual fund schemes in his portfolio. Simple execution tools for portfolio rebalancing. Enhanced returns resulting from disciplined asset allocation. HOW DOES MARS WORK Portfolios designed by the NJ Research team will be made available on the MARS platform. Client has an option to select any of the available portfolios with the help of his NJ partner. The client can buy into MARS by transferring his existing MF portfolio. The client can also buy into MARS through cheque / net banking / debit card / auto debit mandate The client will be required to authorize all purchase transactions either online through a single click or signing the TIS provided by NJ Partner. Rebalancing of the portfolio is triggered as per schedule of various portfolios. The client needs to authorise the same to realign the portfolio with his target asset allocation.

21 MYTHS ABOUT WILL WRITING I AM STILL YOUNG I HAVE NOMINATIONS MY ASSETS WILL ANYWAY GO TO MY FAMILY MEMBERS I WILL DO IT AFTER RETIREMENT IT IS TOO COMPLICATED TO WRITE A WILL WHY DO I CARE WHAT HAPPENS AFTER I DIE PASS ON YOUR HARD EARNED WEALTH EASILY TO YOUR FAMILY Disclaimer: The figures/projections are for illustrative purpose only. The situations/results may or may not materialise in future. Investments in Mutual Funds are subject to market risks. Past performance may or may not be repeated in future. Please read the offer document carefully before investing in any scheme.

22 Estate planning is a systematic approach to distribute one's estate /property according to his wishes in future after his death. Consolidation of All Assets Appoint Guardian for your Children WHAT IS A WILL? Avoid disputes over property Distribute Assets as per your Wish Get peace of Mind A "Will" is a document made by a testator (will writer) in the written form stating the manner in which his property must be distributed after his death. Will document is a very important and easy tool to ensure smooth distribution of wealth to your loved ones as per your wishes What are the consequences of dying Intestate (Dying without writing a Will)? The major disadvantage is, no opportunity to appoint guardian for your minor children. This means that in your absence the court will appoint guardian for your children. Lots of time and money will be wasted, just to locate and consolidate your assets /property Distribution of the assets as per the succession laws of the religion, so all the legal heirs will get equal proportion in the property irrespective of wishes of the testator. Your legal heirs have to obtain Succession certificate for distribution of your Financial assets. Any person above 18 years of age Having sound mind Free from any influences Not debarred from making a Will NJ Will Writing Services (WWS) NJ WWS is very comprehensive, yet simple and easy to understand & use. It covers all aspects important for a Will document and guides you while filling details. NJ WWS is highly confidential and secure with access only to authorised persons. On submission of details, the Will document will be prepared with proper due diligence and care and sent to clients.

23 GIVE TIME TO YOUR INVESTMENT RATHER THAN TIMING AND BENEFIT FROM THE POWER OF COMPOUNDING MR. GUPTA R CR. MR. SAXENA INVESTMENT STARTING AGE 25 YEARS 45 YEARS MONTHLY INVESTMENT R 10,000/- R 20,000/- INVESTMENT TILL AGE 60YRS 35 YEARS 15 YEARS TOTAL AMOUNT INVESTED WEALTH AT AGE 60 CAGR R 42 LACS R CR. 25 YEARS 45 YEARS 60 YEARS R36 LACS R 1.23 CR. R 1.23 CR. The above example is merely an illustration to explain the benefit of investing at an early age. Returns are assumed at 15% CAGR. Assumed that SIP investment are done regularly every month. No guarantee or assurance of return is being offered by any mutual fund or Advisor. The actual result may vary from depicted results depending on scheme selected. SMALL INVESTMENTS REGULARLY TO FULFILL YOUR FINANCIAL GOALS Disclaimer: The figures/projections are for illustrative purpose only. The situations/results may or may not materialise in future. Investments in Mutual Funds are subject to market risks. Past performance may or may not be repeated in future. Please read the offer document carefully before investing in any scheme. SIP SYSTEMATIC INVESTMENT PLAN IN EQUITY MUTUAL FUNDS

24 There are so many goals to achieve in life, for which large amount of money is required. Systematic Investment Plan is the solution, it helps us in achieving our various life goals, systematically. WHY SHOULD YOU INVEST IN SIP (Systematic Investment Plan)? SIP is considered to be the best way of achieving financial goals because of the two Brahmastras it possesses: WHAT IS A SIP? Systematic Investment Plan (SIP) is the technique of investing in mutual funds through small, periodic installments. An investor can invest small sums of money monthly, as a contribution towards his goals, and have the required corpus created at the time of accomplishment of goals. SIP is a simple, smart & time tested method to achieve financial goals. SIP is a Disciplined approach to investing Power of Compounding: Assuming a rate of return of 15%, what would be the value of R1 after 5 yrs R2 10 yrs R4 15 yrs R8 30 yrs R64 Therefore, the thumb rule to benefit from the power of compounding is 'START EARLY'. Give maximum time to your investment to get the most out of the 'POWER OF COMPOUNDING' Rupee Cost of Averaging: With SIP, the investor gets more units when the price falls and less when price rises. At the end of the day, the cost per unit is averaged out. Benefit from Rupee Cost of Averaging & Power of Compounding Benefit from the Time Value of Money. A lumpsum amount invested at the beginning of the year has more value than the same amount being invested in installments over a later period of time The investor need not time the market Since a small amount of money is invested each month, SIP is a convenient mode of investing (R) (R) (R) NAV R (R) NAV R11 10 Power of Compounding: Compounding investment earnings can turn your small investments into a whopping sum after a period of time. The best way to take advantage of compounding is to start saving and investing wisely as early as possible. Rising Market Market Unit Purchased Falling Market Market Unit Purchased