SOW THE SEEDS NOW & NOURISH REGULARLY... THE BEST TIME TO PLANT A TREE WAS 20 YEARS AGO. THE SECOND BEST TIME IS NOW.

Transcription

1 TO GET FRUITS IN FUTURE, WE HAVE TO SOW THE SEEDS NOW & NOURISH REGULARLY... THE BEST TIME TO PLANT A TREE WAS 20 YEARS AGO. THE SECOND BEST TIME IS NOW. - CHINESE PROVERB APPLY THE SAME FOR INVESTMENT...

2 PREPARE YOUR FINCIAL PLAN AND STRENGTHEN YOUR WEALTH The decisions you make today will determine the tomorrow of your family Here are a few tips that will strengthen your financial plan.

3 As the breadwinner, your primary concern is family financial security post your retirement or in your absence. The ideal road to gaining financial safety is smart investments, prudent savings, and wise insurance policies. A steady income is the result of a well-thought financial plan that covers all the risks. Here are a few tips that will strengthen your financial plan. Asset Allocation You can spread your money across all asset classes of stocks, bonds and cash, based on your short-term & long-term goals. The thumb rule for investment in equities is 100 minus your current age in percentage terms. Retirement Planning It is believed that the earlier you start your retirement plan, the better it is. Starting early certainly has its advantages; your money has more time to grow. Make sure the amount you calculate as your retirement fund is enough to maintain your lifestyle after factoring for inflation. Financial Planning is about more than just good advice or investment returns. It s about providing guidance that you can trust. Disclaimer: The above content are for illustrative purpose only. The situations/results may or may not materialise in future. Consult your financial/tax advisor for more detail. Adequate Insurance Cover Having adequate Life & Health Insurance cover is as important as saving for future needs. It is essential to do an insurance-need analysis to identify insurance needs for self and family. While most of them who have insurance think they are adequately covered, only wake up to realize that they are not in the event of a disaster. Therefore it is important that you periodically review your insurance requirement. Estate Planning In simple words, estate is your net worth. Estate planning involves ensuring that, in the event of your death, your wealth is distributed as per your wish, without legal hassles. A few basic steps of estate planning involve creating a will, nominating guardians and monitoring your plan regularly. Tax Planning Tax planning is a crucial part of your financial plan; one that is usually overlooked until year-end is round the corner. The first step in tax planning is calculating your tax liabilities.

4 INFLATION THE BIGGEST HURDLE IN ACHIEVING FINCIAL GOAL IF YOU WERE HAVING R1,00,000/- IN 1990, TODAY ITS VALUE AS PER 7% INFLATION RATE IS R15,150/ R 1,00,000/ R 64,700/ R 31,300/ R 15,150/- 2026? BEAT INFLATION AND ACHIEVE YOUR FINCIAAL GOALS WITH...

5 LUMPSUM INVESTMENT 15 YEARS PERFORMANCE IN EQUITY MUTUAL FUNDS IF YOU HAD INVESTED R1,00,000/- IN EQUITY MUTUAL FUNDS IN 2001, TODAY ITS VALUE IS 23.8% CAGR 2001 R 1,00,000/ R 5.60 lacs 2008 R 7.77 lacs 2011 R lacs 2016 R lacs (Total number of schemes covered: 45, Returns as on 30th September, 2016) * 15 Year Period From 30/09/2001 to 30/09/2016 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.

6 EQUITY R1.5 Cr. 15 TIMES returns in 13 YRS from 72 Equity Mutual Funds FD R25 lacs 2.5 TIMES returns in 13 YRS R46 lacs 4.6 TIMES returns in 13 YRS GOLD PERFORMANCE OF DIFFERENT ASSET CLASSES R 1.5 Crores Disclaimer: 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 R 25 lacs R 46 lacs Bank FD Gold Avg of Equity MF Current Value of R10 Lac. Period from 31/03/2003 to 31/03/2016. Average return of 72 Equity MF available in March 2003 considered

7 INVESTMENT PLAN IN EQUITY MUTUAL FUNDS THE BIG MONEY IS NOT IN THE BUYING AND SELLING BUT IN THE WAITING. 93% Funds Investment has multiplied by more than 10 times. LUMPSUM INVESTED* INVESTED R *In September, 2001 *As on 30th September, 2016 CURRENT VALUE* R Scheme Name Return CAGR (%) Value (R) Scheme Name Return CAGR (%) 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 ,44,940 31,12,705 19,62,127 25,71,877 25,62,572 21,61,682 17,88,707 28,59,272 30,97,887 15,54,238 24,56,312 17,62,326 52,80,392 29,95,992 26,73,111 25,81,214 33,35,132 22,83,662 9,69,384 31,08,994 28,52,420 30,68,449 33,35,132 23,28,559 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 Value (R) 17,62,326 9,56,961 20,78,670 8,46,135 14,74,655 14,65,439 16,64,523 52,98,662 36,40,475 33,03,595 18,44,857 36,75,004 26,37,900 34,84,684 24,14,970 21,72,273 20,58,388 22,15,124 10,19,284 21,35,414 21,61,682 24,61,291 *Returns as on 30th September, For schemes with dividend option, dividend reinvestment has been considered on the date of dividend. Funds are arranged in alphabetical order. Source: Internal Disclaimer: 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.

8 THE BIG MONEY IS NOT IN THE BUYING AND SELLING BUT IN THE WAITING. 15 Funds Have made their SIP investors Crorepati (for a monthly SIP of R10,000 for 15 years) IN SIP R10,000/- PER MONTH* INVESTED R SYSTEMATIC INVESTMENT PLAN EQUITY MUTUAL FUNDS *From October 2001 to September, 2016 *As on 30th September, 2016 CURRENT VALUE* R Scheme Name Return CAGR (%) Value (R) Scheme Name Return CAGR (%) 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 ,53,145 1,08,71,569 67,47,727 1,22,53,621 92,63,891 82,75,932 84,45,105 1,08,23,538 1,02,45,612 70,05,901 86,55,880 74,09,404 1,31,43,636 1,05,77,240 99,42,155 1,01,37,443 1,06,33,566 86,02,683 48,70,494 96,90,593 1,00,74,884 1,02,09,425 1,10,85,495 92,39,399 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 Value (R) 78,37,131 47,10,778 82,39,621 44,95,034 66,13,737 65,33,545 67,77,229 1,35,34,485 90,13,992 97,33,496 79,97,034 1,36,18,887 1,10,46,283 1,18,79,043 88,40,856 90,53,825 87,47,864 87,32,464 60,68,083 79,61,987 84,45,105 90,27,529 *Returns as on 30th September, 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 Disclaimer: 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.

9 6SUPER REASONS FOR INVESTING IN EQUITY MUTUAL FUNDS WITH SIP SYSTEMATIC INVESTMENT PLAN LONG TERM WEALTH CREATION TAX SAVING u/s 80C WITH ELSS POWER OF COMPOUNDING TAX FREE DIVIDEND TAX FREE LONG TERM CAPITAL GAINS ACHIEVE FINCIAL GOAL

10 SYSTEMATIC INVESTMENT PLAN IN EQUITY MUTUAL FUNDS SIP helps you to set aside a fixed amount every month for investments, thus contributing towards your financial goal in life. GET ADVANTAGE OF POWER OF COMPOUNDING MR. GUPTA INVESTMENT STARTING AGE 25 YEARS RIGHT ASSET CLASS EQUITY MARKET HAS OUTPERFORMED ALL OTHER INVESTMENT AVENUES \ CRORES 45 YEARS 6.4 Growth in Different Asset Classes from March 1981 to March 2016 Source: Gold-Handbook of Statistics on Indian Economy, RBI. Silver - Handbook of Statistics on Indian Economy, RBI. Sensex - Co Deposits - assumed (1% higher than Bank FD Rate). Bank Deposits - Handbook of Statistics on Indian Economy, RBI. Inflation(WPI) - Handbook of Statistics on Indian Economy, RBI MR. SAXE Actual Gain Real Gain R 1,16, INFLATION GOLD SILVER BANK DEPOSITS CO. DEPOSITS SENSEX R 8,197 Growth of R 1,000 in Different Asset Classes R 15,434 R 13,777 R 17,712 R 24,174 INFLATION GOLD SILVER CO. DEPOSITS BANK DEPOSITS SENSEX START SAVING FOR YOUR FUTURE WITH MUTUAL FUND SIP TODAY MONTHLY INVESTMENT R 10,000/- INVESTMENT TILL AGE 60YRS TOTAL AMOUNT INVESTED WEALTH AT AGE 60 YRS 35 YEARS R 42 LACS R CRORES 25 YEARS 45 YEARS 60 YEARS R 20,000/- 15 YEARS R 36 LACS R 1.23 R 1.23 CRORES Disclaimer: The above figures/projections are for illustrative purpose only. The situations/results may or may not materialise in future. Please take proper professional advise before making any financial decisions based on above illustrations. 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. Any reproduction, copying and republishing of any contents including Images/Logos used in this booklet are strictly prohibited and shall attract legal action.

11 AN EVERGREEN INVESTMENT MANTRA SYSTEMATIC INVESTMENT PLAN IN EQUITY MUTUAL FUND Sensex January 2008 Sensex 9000 February 2009 Sensex January % SIP From January 2008 to September 2016 Sensex September 2016 Monthly SIP Amount Total Amount Invested Current Value R 5,000 R 10,000 R 5,25,000 R 10,50,000 R 13,33,520 R 26,67,040 * Average SIP Return of Top 50 MF Equity Schemes as on 30th Sept, 2016 Anyone who is not investing now is missing a tremendous opportunity. - Carlos Slim Disclaimer: 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.

12 Do you know what your child will become and at what expense?

13 18.61% - R 9.73 lacs Housing 7.2% - R 3.76 lacs Entertainment 10.3% - R 5.38 lacs Food HOW MUCH AND WHAT WILL YOU SPEND IN R52.26 * lacs RAISING A CHILD 49.07% - R lacs Education 3.04% - R 1.58 lacs Healthcare 3.55% - R 1.85 lacs Miscellaneous 8.23% - R 4.30 lacs Clothing 3times Future requirement is huge, the question is how to handle... Mutual fund investments are subject to market risks. Read all scheme related documents carefully. of the total expense on healthcare is incurred in the first three years of the 50% child s life. the total healthcare cost is what parents spend on a child s entertainment. This is mostly due to the high cost of gadgets, such as mobile phones, that children consider essential. 169% has been the rise in inflation in primary and secondary education from 2005 to 2011, according to a survey by Assocham. *conditions apply

14 Bas Itna Hi Chahiye!!! R10,000/- P.M. For My Retirement R10,000/-P.M. For My Kids Marriage R5,000/-P.M. For My Education R5,000/- P.M. For My Education SMALL INVESTMENT TO FULFILL OUR FINCIAL GOALS...

15 AN APPROPRIATE INVESTMENT PLAN FOR YOUR FINCIAL GOALS... SYSTEMATIC INVESTMENT PLAN IN EQUITY MUTUAL FUNDS SIP helps you to set aside a f ixed amount every month for investments, thus contributing towards your f inancial goals. Through SIP you can start with smaller amount on a monthly basis and create wealth over a long term for any f inancial goals in life. Each Drop of Water is essential to make a Mighty Ocean. Every Rupee Saved is a Rupee Earned to Secure the Future. It is sensible to save money for family s financial goals and keep them financially secure. The negative effects of inflation will hardly leave us with anything in the end if we choose to save money in bank deposits or any other saving instruments that offers very less returns*, while an investment with good returns will keep us financially secure. By investing our savings, in the right asset class for long term, we can ensure financial security for the future of our Family. 20yrs Return R28.63 lacs 8% CAGR R45.99 lacs 12% CAGR R66.35 lacs 15% CAGR Investment Amount R12 lacs R5,000/- p.m. 20yrs Return R57.26 lacs 8% CAGR R91.98 lacs 12% CAGR R1.32 Crores 15% 15% CAGR Investment Amount R24 lacs R10,000/- p.m. 20yrs Return R1.43 Crores 8% CAGR R2.30 Crores 12% CAGR R3.32 Crores 15% 15% CAGR Investment Amount R60 lacs R25,000/- p.m. BENEFITS OF SIP Imparts financial discipline to life Invest irrespective of market conditions Cost averaging helps neutralise market volatility Get benefit of Power of Compounding 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.

16 Paisa Bachaana Chahte ho ki Badhaana? Dono ELSS EQUITY LINKED SAVING SCHEME IN MUTUAL FUNDS Investment limit u/s 80C of Income Tax Act now increased to R1,50,000/-

17 SMART WAY TO SAVE TAX & CREATE WEALTH ELSS EQUITY PAISA BACHAAO TAX SAVING u/s 80C INVEST UPTO R1.5 LACS & SAVE R46,350/- *For F.Y for a resident individual in highest tax bracket. Effective way of saving taxes through (ELSS) YOUR EARNING TAX WITHOUT ELSS TAX WITH ELSS YOU SAVE s 5,00,000 s 25,750 s 10,300 s 15,450 s 7,50,000 s 77,250 s 46,350 s 30,900 s 10,00,000 s 1,28,750 s 97,850 s 30,900 s 12,50,000 s 2,06,000 s 1,59,650 s 46,350 LINKED SAVING SCHEME IN MUTUAL FUNDS LEAST LOCK-IN PERIOD OF 3 YEARS TAX FREE LONG-TERM CAPITAL GAINS TAX FREE DIVIDENDS PAISA BADHAAO EQUITY RETURNS INVESTED R1.5 LACS pa. MARCH MARCH 2016 Total Investment of R24 lacs Worth Today x1.32 * x1.32crores *At 20% return as on 31st March, 2016 Average of 8 ELSS funds *Amount in s - based on Tax Slab for FY Assuming an investment of s 1,50,000 in ELSS in this Financial Year *Please see the income tax rules for details. Disclaimer: The above figures/projections are for illustrative purpose only. The situations/results may or may not materialise in future. For Tax provisions mentioned, please consult your Tax Advisor for details. 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.

18 SIP SYSTEMATIC INVESTMENT PLAN IN EQUITY MUTUAL FUNDS WE START SIP to achieve our goals & dreams in life... You have lost... R11,60,700/- Let s see how? SIP OF R10,000/- STARTED IN SEPT SIP STOPPED IN AUGUST 2013 SIP STILL CONTINUE TILL OCTOBER WE CONTINUE SIP With believe of getting good returns and achieving our goals and dreams... SIP TENURE 60 MONTHS AVG SIP RETURN* 6.30% AMOUNT INVESTED R 6,00,000/- SIP TENURE 98 MONTHS AVG SIP RETURN * 17.64% AMOUNT INVESTED R 9,80,000/- WE STOP SIP Due to our sentiments and unforced advices without realising its effect on our goals and dreams. Lets see the impact of STOPPING the SIP... RETURN VALUE^ R 7,03,700/- RETURN VALUE R20,58,900/- ^ It is assumed that value of stopped SIP 8% CAGR from August-13 to October-16. *Avg SIP Return of 105 equity funds A successful investor has a good knowledge base, a well-defined investment plan, and nerves of steel to stick with it. - Andrew Clarke Disclaimer: The figures/projections are for illustrative purpose only. The situations/results may or may not materialise in future. Please take proper professional advise before making any financial decisions based on above illustrations. 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. Any reproduction, copying and republishing of any contents including Images/Logos used in this flyer are strictly prohibited and shall attract legal action.

19 At the age of 60 years you want to be... RE-TIRED OR RETIRED

20 ASSUMPTIONS Current Age 25 Monthly Income R 25,000/- Monthly House Hold Expenses R20,000/- Income Growth 10% Inflation Rate 7% Rate of Return 15% Saving for Retirement 7% (Of Monthly Income) Mr. Girish ASSUMPTIONS Retirement Age 61 Life Expectancy 85 Monthly Income NIL Inflation Rate 7% Monthly House Hold Expenses R 2,13,531/- In the above example assuming Girish gets post retirement return of 8-9%, he requires retirement kitty of R 5 to 5.5 Cr. aprox. BE READY FOR RETIREMENT... LET S DETERMINE HOW YOU CAN REACH YOUR DESIRED RETIREMENT KITTY COMFORTABLY... You will discover that retirement is the doorway to a new stage of your life, one where you control your time and your activities. Want to go to an afternoon movie in the middle of the week? You can do it! Want to spend a couple of days watching cricket tournament? You've got the time! Want to learn to play the piano or travel abroad... GO RIGHT AHEAD. SIMPLE, SMART & TIME TESTED FORMULA TO ACHIEVE GOALS START EARLY + INVEST IN RIGHT ASSET CLASS + SAVE REGULARLY = PEACEFUL RETIREMENT LIFE

21 AGE 25 Mr. Girish KEEP YOUR RETIREMENT KITTY ON TRACK... AGE 35 Mr. Girish AGE 40 Mr. Girish AGE 50 Mr. Girish AGE 60 Mr. Girish MONTHLY INCOME R 25,000/- MONTHLY INVESTMENT R 1,750/- YEAR-END TOTAL SAVINGS FOR RETIREMENT KITTY R 22,670/- (WITH RETURNS) MONTHLY INCOME R 64,844/- MONTHLY INVESTMENT R 4,539/- YEAR-END TOTAL SAVINGS FOR RETIREMENT KITTY R 8,15,785/- (WITH RETURNS) MONTHLY INCOME R 1,04,431/- MONTHLY INVESTMENT R 7,310/- YEAR-END TOTAL SAVINGS FOR RETIREMENT KITTY R 21,59,368/- (WITH RETURNS) MONTHLY INCOME R 2,70,868/- MONTHLY INVESTMENT R 18,961/- YEAR-END TOTAL SAVINGS FOR RETIREMENT KITTY R 1,17,60,481/- (WITH RETURNS) MONTHLY INCOME R 7,02,561/- MONTHLY INVESTMENT R 49,179/- YEAR-END TOTAL SAVINGS FOR RETIREMENT KITTY R 5,54,22,823/- (WITH RETURNS) Disclaimer: Mutual Funds investments are subject to market risks. Investor are advice to read the offer documents and other risk factors carefully before investing in any scheme. Past performance may or may not be repeated in future.

22 TO GROW YOUR MONEY EQUITY FUND BALANCED FUND DEBT FUND MUTUAL FUNDS PROVIDE VARIOUS OPTIONS FOR INVESTMENT DEPENDING UPON YOUR RISK PROFILE

23 Risk profiling is the process of finding the optimal level of investment risk considering the risk required, risk capacity and risk tolerance, where, Risk required is the risk associated with the return required to achieve the client s goals from the financial resources available, Risk capacity is the level of financial risk the client can afford to take, and Risk tolerance is the level of risk the client is comfortable with. EQUITY FUND 23.80% RETURNS IN LAST 15 YRS *Average returns as on 30th September, 2016 of 33 Mutual Funds RISK CAPACITY RISK REQUIRED RISK PROFILE RISK TOLERANCE BALANCED FUND DEBT FUND 19.15% RETURNS IN LAST 15 YRS *Average returns as on 30th September, 2016 of 12 Balanced Funds 9.26% RETURNS IN LAST 5 YRS *Average returns as on 30th September, 2016 of 27 Debt Funds INVEST WISELY MUTUAL FUND IS THE RIGHT WAY TO INVEST & GROW YOUR MONEY 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.

24 WHAT IS BIGGER..? BONDS 10 TO 11% (YIELD) FIXED RETURN NO FORM FILLING REQUIRED AVAILABLE IN DEMAT MODE TRADED ON STOCK EXCHANGES NO TDS ON INTEREST PAYOUTS INTEREST RATES IN THE RANGE OF 10-11% P. A. FIXED RETURN THEN WHY STILL INVEST IN FDs? FDs 7 TO 8% (YIELD) FIXED RETURN APPLICATION FORM REQUIRED DEPOSIT CERTIFICATE ISSUED CANNOT BE TRADED TDS APPLICABLE ON INTEREST PAYOUTS INTEREST RATES IN THE RANGE OF 7-8% P.A. Disclaimer: The bond yields shown above are calculated taking into account the current market prices and bond interest rates. The yields are dynamic in nature and subject to market changes. Fixed Deposit yields have been considered taking into account interest rates offered by SBI, BOB, BOI, HDFC Bank and ICICI Bank for a period of 5 to 10 years. Interest rates are subject to change at the discretion of banks. Past performance is not necessarily indicative of future results. Please read the bond prospectus carefully before investing.

25 Give WINGS to your Investments... MARS MUTUAL FUND AUTOMATED PORTFOLIO REBALANCING SYSTEM Every investor while investing wishes to maximise his returns while minimising his risk. MARS (Mutual Fund Automated Portfolio Rebalancing System) tries to overcome these issues for investors whereby they can manage their asset allocation and invest in better performing schemes by the click of a mouse and maximise their returns. As the process is system driven and operationally smooth, it also helps weed out behavioural biases. MARS gives a wide array of portfolios to choose from to the investor based on his risk appetite and periodically triggers portfolio rebalancing based on deviations from the asset allocation of the model portfolio resulting in superior returns to the investor over a period of time. PORTFOLIO PERFORMANCE EQUITY SCHEMES PERFORMANCE Invesco India Contra Fund - Gr Kotak Select Focus Fund - Gr Mirae Asset India Opportunities Fund - Gr Motilal Oswal MOSt Focused Multicap 35 Fund - Gr SBI Magnum Multicap Fund - Gr MARS Equity Portfolio (E100) NIFTY Month DEBT SCHEMES* PERFORMANCE DSP BlackRock Money Manager Fund Gr Kotak Equity Arbitrage Fund - Div Reliance Arbitrage Advantage Fund - Div BNP Paribas Short Term Income Fund - Gr TATA Short Term Bond Fund Regular Plan - Gr 1 Month Months Months Months Months Months Months Since Inception Since Inception Performance as on 28 Oct 16, Inception Date 16 Dec 13 Returns for one year or less period are on an absolute basis and for more than a year period are on CAGR basis Dividends are assumed to be reinvested. Past Performance may or may not sustain in the future. Performance for 1 month is between 30 Sep 2016 and 28 Oct 2016 Disclaimer: Mutual Fund investments are subject to market risks. Investors are advised to read the offer documents/scheme related 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.

26 SMART-PHONE USERS IN INDIA, ON AN AVERAGE, SPEND 169 MINS PER DAY * ON THEIR MOBILE. GO PAPERLESS. GO DIGITAL. GO MOBILE. GO DIGITAL. GO PAPERLESS. OLD NEW NOW MAGE YOUR WEALTH THROUGH MOBILE PRESENTING 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. *Source:

27 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 NJ E-Wealth Account Features EASY & MULTIPLE MODES OF TRANSACTIONS ONLINE MOBILE APP OFFLINE* CENTRALISED CUSTOMER CARE All query solutions at single point Call AUTO TRANSACTION ALERTS ON PHONE* (CALL) *Terms & conditions applicable. 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 NJ E-Wealth Account Facilities Transactions MF Capital Market IPO Buy Sell/Redeem SIP SWP SIP in Equity Shares Inter AMC Switch NJ MARS Inter AMC STP E-WEALTH AC Download Mobile Application APPLE (App Store) BLACKBERRY (App World) DO YOU KNOW IT TAKES LESS THAN 2 MINUTES TO DO A MUTUAL FUND TRANSACTION? PURCHASE - SWITCH - SIP - SWP - STP - REDEMPTION ETF ANROID (Play Store)

28 ROLE OF A WEALTH PLANNER IN YOUR LIFE... The role of a WEALTH PLANNER is to look at all aspects of your lifestyle, goals and requirements and develop a financial strategy that will suitable for you. The recommended strategy will help to achieve your goals effectively and efficiently. WEALTH PLANNER concentrates on the task of providing sound strategic and technical advice on an ongoing basis. As a professional WEALTH PLANNER, we regularly review your financial strategy with you to ensure that all such changes are incorporated. As a WEALTH PLANNER we ensure that your financial strategy is always consistent with your goals and WEALTH CREATION. Disclaimer: All data/information mentioned in this publication is taken from various sources and are approximate in nature and we do not take any responsibility or liability and neither 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. Any reproduction, copying & republishing of any contents including Images/Logos used in this booklet are strictly prohibited and shall attract legal action. Any reproduction, copying and republishing of any contents including Images/Logos used in this booklet are strictly prohibited and shall attract legal action.