"The Right Time to Invest is ALWAYS." Bruce Berkowitz INVEST TODAY

Transcription

1 "The Right Time to Invest is ALWAYS." Bruce Berkowitz INVEST TODAY

2 SYSTEMATIC INVESTMENT PLAN For Investment purpose, we often wait to collect a large amount of money and invest it all at once. Systematic Investment Plan (SIP) is a financial planning tool that allows you to invest in mutual funds through small, periodic installments. SIPs help you set aside a fixed amount every month for investments, thus contributing towards your financial goals like buying a house, child's education, marriage, retirement planning etc. 1. Disciplined Investment Your investment amount gets automatically deducted from your bank A/c through a normal ECS mandate. Hence, ensuring discipline in investment. 2. Equity - The Best Asset Class Equity has delivered best inflation adjusted return among all asset classes over a long period of time Actual Gain 1.7 Real Gain *Red bar reflects inflation adjusted returns. Data as per FY since Gold: Sensex: Co Deposits: NJ Internal, Bank Deposits : RBI, Inflation: RBI WHY SYSTEMATIC INVESTMENT PLAN (SIP) 15.1 Inflation Gold Bank Deposits Co. Deposits Sensex 3. Power of Compounding Saving a small sum of money regularly from an early age 8.4 makes money work with greater power of compounding with significant impact on overall wealth accumulation. Value after 25 years Save Now Now Save Later 10 Years Later 2000/- 5000/ lacs 9 lacs 55 lacs 31 lacs Assumptions: Returns assumed at 15% CAGR. 55 lacs 31 lacs Save Now Save Later Now 10 Years later 25 Years later 4. Rupee Cost Averaging A more successful strategy is 'Rupee Cost Averaging' wherein you invest a fixed amount regularly. Thus you purchase more when the markets are low and purchase less when the markets are high. SIP investments take advantage of this strategy & in the long run, the SIP investor gains as his investments are unaffected by market volatility. Rising Market Market Units Purchased Falling Market Units Purchased Market 5. Easy to Invest You have the convenience of direct debit of your SIP installments through Electronic Clearing Service (ECS) facility. Your SIP amount automatically gets debited from your bank account on the predetermined date. 6. Helps Fulfill Our Dreams The investments we make are ultimately for some objectives such as to buy a house, child's education, marriage etc. And many of them require a huge one-time investment. As it may not be possible to raise such large amounts at short notice, we need to build the corpus over a longer period of time, through small but regular investments. A simple SIP, over a period of time, results in large wealth and helps fulfill our dreams & aspirations.

3 SUPER CROREPATI * Make Yourself a CROREPATI 1Get 1,37,82,804/- By investing just 5,000/- p.m. only for 25 years 6 SIP SYSTEMATIC INVESTMENT PLAN Have a Peaceful RETIREMENT *Assuming returns of 15% CAGR per annum in Equity Mutual Fund Schemes Make Your ChildINDEPENDENT * 4 You dream the best for your Children s Education and Marriage Engineering MBBS Foreign Study Marriage Current Cost 10 lacs 15 lacs 25 lacs 10 lacs But do you know what will it cost in future? If age of Child is 1 Year 5 Years 10 Years Engineering MBBS Foreign Study * Study age assumed at 20 yrs. Marriage age assumed at 24 years. Inflation assumed at 6% Marriage in lacs Be smart and start GAP for Child s Education & Child s Marriage! REASONS for INVESTING in RETIREMENT 2 *A study by American Bureau of Labour At the Age 65 * 1% were wealthy 4% were maintaining their standard of living 23% were still working... can't afford to quit 9% were dead 63% were dependent on children & charity Be smart and start your SIP for peaceful retirement! Get the advantage of 5 Power of Compounding Power of Compounding is the Eighth Wonder of the World!! SIP Calculator What will be the value of your investment if you have invested 10000/- every month through SIP? Tenor of SIP/Rate of Return 8% 5 Years 10 Years 15 Years 20 Years 734,140 1,812,832 3,397,785 5,726,600 12% 811,036 2,240,359 4,759,314 9,198,574 15% 873,421 2,630,182 6,163,656 13,270,734 in Lacs with monthly compounding Save your Hard Earned Money... 3 SAVE TAX! Equity Returns + Tax Savings u/s 80C Why ELSS? Unlike most instruments that offer tax benefits, ELSS are the ones with Equities that have potential to give high returns in long run Tax Benefit u/s 80C on investments upto 1 lac per annum Least Lock-in Period among tax saving instruments-only 3 years...making ELSS the ideal vehicle for Saving Tax Make your Investments TAX EFFICIENT Tax Free - Long Term 6 Capital Gains Tax Free Dividends Enjoy great Tax Advantages by making Investments in Equity Mutual Fund Schemes...

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5 It is every parents' dream to provide the best of everything for their child. A sound future undoubtedly is at the top of the list. However, it now costs more to amuse a child than it once did to educate his father. If the cost of child's future education is going to increase by more than 3 times in next 15 years, assuming 6%, then you need to choose a right asset class to plan for your child's future. PLAN YOUR CHILD FUTURE TODAY

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7 Don't simply retire from something; have something to retire to, as life begins at retirement.

8 (SIP) PLAN INVESTMENT SYSTEMATIC EVERGREEN INVESTMENT MANTRA Sensex 9000 February 2009 Sensex August 2009 Sensex March 2008 Sensex March 2012 Start 15.07% * * Avg SIP Return of Top 100 MF Equity Schemes as on 31st March, 2012 A SURE SHOT FOR GOAL ACHIEVEMENT

9 INVEST TODAY. FOR TOMORROW. The Purest Form of Investment GOLD A Fund of Fund" (FOF) is an investment Fund strategy of holding a portfolio of other investment funds rather than investing directly in shares, bonds or other securities. THE GOLD SAVING FUNDS THE BENEFITS OF INVESTING IN GOLD FUND: Purity: Gold will be bought in the purest form. All gold bullion in the Gold ETF would be of fineness (purity) of 995 parts per Liquidity: Investor can subscribe and redeem gold fund on all business days. Custody: Gold held by the underlying scheme i.e. GETS will be in safe custody of custodians. Hence no locker is required. Systematic Investment Plan (SIP): A long term disciplined investment technique, which provides a systematic way of investing in gold. No DEMAT account: Gold Fund provides an opportunity for the investor, to take exposure into gold as an asset class, in smaller and convenient investment amount without having a demat account. Availability of add on facility: The fund allows investors to avail add on facility like systematic transfer plan, systematic investment plan, and systematic withdrawal plan. Gold has performed consistently over different time periods in last 10 years. 45% 40% 35% 30% 25% 20% 15% 10% 5% 0% 19.77% 20.70% 20.98% Source: Bloomberg; Data in USD; Data as on July 29, 2011; Returns are CAGR 39.29%. 10 years 5 years 3 years 1 year

10 * Paying Income Tax every year is mandatory... What if you deserve for full and get......the same happens with your Income SAVE TAX! Save Your Hard Earned Money SAVE UPTO Equity Linked Saving Schemes (ELSS) Equity Returns + Tax Savings u/s 80C *

11 COMPREHENSIVE CLIENT DESK A unique offering through which the client can access all the details related to his investment by a dedicated login. Client can avail reports related to the latest valuation, profit and loss, AMC exposure, dividends and transactions. NJ TRADING & DEMAT A/C THE ADDED BENEFIT FOR TODAY...TOMORROW Easy, Convenient & Accurate way of Transacting Hello, I am Ravi. My customer id Please purchase units worth Rs. 20,000/- in XYZ growth Scheme. Purchase & Redemption of units available Registration of Systematic Investment Plan (SIP) Instant alerts on registered & Mobile no. Units will be available in Demat Account Paperless Transaction Complete Portfolio investment managment tool Products covered - MF - Direct Equity - Fixed Income Physical - Realty Private equity & debt Insurance Nature of reports Product specific reports - Valuation - Transaction - P & L - Interest - Maturity Consolidited reports - Net asset - P & L - Performance BUY/SELL UNITS OF MUTUAL FUNDS OVER PHONE CALL n TRANSACT FROM ANYWHERE - INSTANT. ACCURATE. CONVENIENT Call on < > to place your transaction FOR TRANSACTION RELATED QUERIES CONTACT

12 ROLE OF A WEALTH ADVISOR IN YOUR LIFE... The role of a WEALTH ADVISOR is to look at all aspects of your lifestyle, goals and requirements and develop a financial strategy suitable for you. The recommended strategy should help you reach your goals effectively and efficiently. WEALTH ADVISOR concentrate on the task of providing sound strategic and technical advice on an ongoing basis. Any changes in your goals, lifestyle and circumstances should be reflected in your Financial Planning. As professional WEALTH ADVISOR we regularly review your financial strategy with you to ensure that all such changes are incorporated. Make your WEALTH ADVISOR your first point of contact for any decisions that can impact your financial future. Regular interaction with your WEALTH ADVISOR can ensure that your financial strategy is always consistent with your goals and WEALTH CREATION. YOUR DETAIL Disclaimer: All data / information mentioned in this publication is taken from various sources and are approximate in nature and we are not taking any responsibility or liability and neither does guarantee its accuracy or adequacy or its realisation. Mutual Fund Investments are subject to Market Risks. Investors are advised to read the Offer Documents & Other Risk Factors carefully before investing in any scheme. Past performance may or may not be repeated in future.