SUPREMOS SIP:SMALL IS POWERFUL START AN SIP SMALL MONEY = BIG MONEY OUR SERVICES ~ 1 CR 24 LAKHS. SMS MONEY to EDITOR S NOTE

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1 REGISTERED - R.N.I. NO.: MAHENG/2016/67267 POSTAL REGD. NO. :MNW/311/ POSTED AT PATRIKA CHANNEL MUMBAI GPO, MUMBAI A Monthly Publica on from NAIK WEALTH Planners Private Limited Price 5 TM VOL. 1, ISSUE 7, PAGES 6 Mumbai, Saturday, September 10, 2016 Editor s Note Page 1 Why Some Risk Is Always Good For Your Investments? Page 2 Investor Behavior Page 3,4,5 Invest with the Experts and why read the next big story? Page 6 Find the Way Out Page 7 Sharpe Ratio: Are your investments generating high returns for lower risk? Page 8 BOOK - POST Dear Investors, Recently world's richest investor Warren Buffet-CEO of Berkshire Hathaway Inc. addressed his investor at his annual meet. (Berkshire Hathaway Inc. is an American mul na onal conglomerate holding company headquartered in Omaha, Nebraska, United States. The company wholly owns GEICO, BNSF, Lubrizol, Dairy Queen, Fruit of the Loom, Helzberg Diamonds, Flight Safety Interna onal, and Net Jets, and also owns 26% of the Kra Heinz Company, an undisclosed percentage of Mars, Incorporated, and significant minority holdings in American Express, The Coca-Cola Company, Wells Fargo, IBM and Restaurant Brands Interna onal. Company averaged an annual growth in book value of 19.7% to its shareholders for the last 49 years (compared to 9.8% from the S&P 500 with dividends included for the same period), while employing large amounts of capital, and minimal debt.) EDITOR S NOTE In his annual mee ng Warren buffet (Age 84) and his partner Charlie Munger (Age 92) had very simple but very powerful messages to the investors. On age and experience Charlie Munger had to say this "I don't regret that I didn't make more money or become be er known... I do regret that I didn't wise up as fast as I could have, but there's a blessing in that, too: Now that I'm 92, I s ll have a lot of ignorance le to work on." According to me this humility at this age and wealth makes them successful investors. Also the hunger to learn more keeps them going. When buffet was asked about the impact on his businesses if Donald Trump was to become the president of U OUR SERVICES Happy Wealth Creation... NIKHIL ASHOK NAIK Editor editor@naikwealth.in ~ 1 CR INVESTED EVERY MONTH CAN GROW TO ~ 1CR IN 20 YEARS ASSUMING 12 roi (CAGR) CHILD INVESTMENT MUTUAL FUNDS RETIREMENT PLANNING FAMILY OFFICE SIP:SMALL IS POWERFUL 24 LAKHS SMS MONEY to START AN SIP SMALL MONEY = BIG MONEY Mutual Funds Investments are subject to market risks, read all scheme related documents carefully.

2 02 MUMBAI, SATURDAY, SEPTEMBER 10, 2016 VOL. 1, ISSUE 7 NO NEED TO TIME THE MARKET Rajesh, Sachin and Roopa were good friends in college They shared notes if anyone of them missed a class, went to movies together, and generally liked to hang-out together Rajesh really liked the sweet, innocent yet outspoken nature of Roopa and had a so corner for her. Being a li le shy by nature, however he held himself back from expressing his love for her, fearing an adverse reac on One day he decided to take the help of his friend Sachin. A er hearing Rajesh, Sachin encouraged him to express his feelings to Roopa without was ng any further me However, Rajesh thought that Rose Day would be the right me to tell Roopa about his love On Rose Day, Rajesh saw Roopa walking towards her friends. She was looking gorgeous in a brand new salwar kameez. However, as she walked towards her friends, Rahul, the college Romeo suddenly stepped in and handed her a red rose. As Roopa blushed, Rahul went a step further and u ered the 3 sacred words I Love You Roopa. Roopa was on cloud nine. Completely forge ng her friends, she accepted Rahul s invita on to go out on a date. Rajesh was le repen ng his indecision as Sachin consoled his friend. Learn your lessons well. Never wait for the right me to invest in the market, or you will be le repen ng for the lost opportuni es that the capital markets present. By inves ng in SIP regularly, you ensure that you don t fall into the trap of ming the market.

3 VOL. 1, ISSUE 7 VIRTUES OF DISCIPLINED INVESTING 03 MUMBAI, SATURDAY, SEPTEMBER 10, 2016 Ÿ There were 2 good friends Ram and Shyam. Ÿ Both of them were obese. Ÿ One day they saw a pre y girl Ÿ They got a racted to her and started singing Laila tu laila laila, Aisi tu laila Ÿ The girl, rather irritated, stared back at them. She then removed her sandles as if to thrash them. Ÿ The signal was good enough for both to understand that they had no chance of impressing her BUT THEN THEY WERE NOT THE TYPES TO GIVE UP SO EASILY Ÿ They proclaim that within three months they would transform themselves such that the girl herself would fall head over heels for them. Ÿ They declare that they would exercise themselves to fitness Ÿ Next day Ram and Shyam both go jogging Ÿ Ram is enthusias c but Shyam simply lazes around Ÿ Shyam declares that he will achieve the same level of fitness as Ram. But he will not jog regularly for achieving this. Instead he would get back to shape on the back of power li ing in the gym THE DATES ROLL ON THE CALENDAR AND SLOWLY RAM STARTS FALLING INTO SHAPE MAKING THE GIRL TO SMILE. Ÿ Shyam who had been lazing all this while is astonished at Ram s change of fortune. Ÿ He decides to go to his gym and exercise vigorously Ÿ So Shyam pumps and pumps in the gym with all vigor and determina on. Ÿ The overdose of exercises does him in. Ÿ His muscles tear apart and his joint gets dislocated. Ÿ Ram on the other hand walks with the girl hand in hand in the same park where he jogged himself to fitness Ÿ Ram visited Shyam in the hospital to check on him Ÿ Shyam lying in the hospital bed said to Ram on seeing him, I though I could get myself to shape by vigorously exercising using heavy weights but alas, I was so wrong. Ÿ Ram had his reply ready for this, the virtues of discipline and regularity are meless. They never fail you under any circumstances. SIP is a regular and disciplined method of inves ng which yields the most op mum results in the long run. SIP is a long term method of inves ng and the best results are seen in the long run. Thus besides the discipline it also calls for pa ence just as regular jogging does as far as ge ng you in shape is concerned

4 06 MUMBAI, SATURDAY, SEPTEMBER 10, 2016 VOL. 1, ISSUE 7 ADVANTAGE OF RUPEE COST AVERAGING Sunaina s exams had just started. She had to appear for 7 papers in all. She, as per expecta ons had done very well in her first 4 papers. Now, with only the last exam of Geography le, Sunaina suddenly developed high fever. Although she gave her exam, due to her ill health she was not able to answer the ques ons well. This clearly got reflected in her results In Maths she had scored 90, Science 80, History 70, English 75, Hindi 65, Social Science 77 and Geography 20. A minimum of 40 marks were needed for passing. This meant, technically she had failed in Geography. However, Sunaina s score in Geography in the previous 3 examina ons in the year were 80, 75 and 90. Hence her average score turned out to be = /4= Thus because her school considered average scores for promo on to the next class, Sunaina despite her poor score in Geography, got promoted. So just as Sunaina benefited from the concept of averaging,so can you as an investor benefit from this concept by hedging yourself against unexpected fall in the markets. Thus by inves ng through good mes and bad mes, SIP helps your investment deliver reasonable returns. When the prices are high, your SIP ends up buying less units and when the prices are low, your SIP tend to buy more units This results in averaging your cost of purchase

5 VOL. 1, ISSUE 7 ADVANTAGE OF POWER OF COMPOUNDING 07 MUMBAI, SATURDAY, SEPTEMBER 10, 2016 A business man s son approaches his father with an idea for a new business hoping to win his approval for financing the venture The father likes the idea but gives his son 2 financing op ons The first op on He would give his son 1 lac everyday for 31 days The second op on Star ng with 1 paise, he would double the money every day for 31 days THE CHOICE APPEARED OBVIOUS The son without a thought goes for the first op on as he clearly sees Rs. 31 lacs at the end of the month. He does not even consider the second op on thinking 1 paise ge ng doubled every second day would certainly yield less than Rs 31 lacs As promised the father gives him 1 lac per day, but s ll asks his son to go back and closely analyse the second op on The curious son goes back to his room and works out the figures on an excel sheet. THE TABLE.(FIRST 16 DAYS) Day Option 1 (Rs.) Option 2 (Rs.) 1 100, , , , , , , , , , , , , , , NOW.(THE NEXT 15 DAYS) Day Option 1 (Rs.) Option 2 (Rs.) , , ,000 1, ,000 2, ,000 5, ,000 10, ,000 20, ,000 41, ,000 83, , , , , , , ,000 1,342, ,000 2,684, ,000 5,368, ,000 10,737, Total 3,100,000 21,474, ASTONISHED!!!! The businessman s son fell off his chair when at the end of the calcula on, he realized how big a fool he had turned out to be by op ng for the first op on. The second op on would have yielded a whopping Rs cr His father smiled at him and said, What you just saw is the power of compounding. If not a miracle, it is nearly one. ADVANTAGES OF SIP When your investments are given more me in the market, it ensures that your money and the interest it earns both grow mul plying your money many mes over The power of compounding is inherent to SIP inves ng When your investments are given more me in the market, it ensures that your money and the interest it earns both grow mul plying your money many mes over Its up to you now, whether you would like to act like the son of the businessman or like the businessman himself.

6 08 MUMBAI, SATURDAY, SEPTEMBER 10, 2016 VOL. 1, ISSUE 7 Think of SIP as your 3rd Child- Most families have two children. We spend a lot of money over a 25 year period in educa ng our children, providing for all their needs, marrying them off - in short, ge ng them well se led in life. Think of SIP as your 3rd Child Put in the same amount each year into SIP as that you spend on one child. Do that for the same 25 years. A er 25 years, whether your real children look a er you or not, this 3rd child will definitely look a er you very well for the rest of your life. CORPORATE OFFICE "D Definity" th Floor, Off Jay Prakash Road No.1, Goregaon (East), Mumbai Tel : (022) info@naikwealth.in services@naikwealth.in OTHER BRANCHES GOREGAON 5, Jyotsna Prakash, Opp. Railway Sta on, Goregaon (East), Mumbai Tel : (022) goregaon@naikwealth.in MALAD 15, C-Wing, Sadguru Darshan,Liberty Garden, Malad (West), Mumbai Tel : (022) / malad@naikwealth.in KANDIVALI 11, Aangan, 120 Feet Road, Thakur Village, Kandivali (East), Mumbai Tel : (022) / kandivali@naikwealth.in THANE Shop no.14, Ground Floor, A Wing, Raj Darshan, Dada Pa l Wadi, Opp. Pla orm no.1, Thane (West) Tel : (022) thane@naikwealth.in DISCLAIMER: All reasonable care has been taken to ensure that the informa on contained herein is neither misleading nor untrue at the me of publica on, but we make no representa on as to its accuracy or completeness. All informa on is provided without any liability whatsoever on the part of NAIK WEALTH Planners Private Limited. RISK FACTORS: Mutual funds, like securi es investments, are subject to market and other risks and there can be no assurance that the scheme's objec ves will be achieved. As with any investments in securi es, the NAVof units can go up or down depending on the factors and forces affec ng capital markets. Please read the offer document before inves ng. Published and Printed by NIKHIL ASHOK NAIK, on behalf of NAIK WEALTH PLANNERS PRIVATE LIMITED. Printed at SOMANI PRINTING PRESS, Gala No. 3-4, Amin Ind Estate, Sonawala Cross Road No-2,Goregaon East, Mumbai and Published at 707/708, D Definity Bldg, Jay Prakash Rd No. 1, ABV. Cosmos Bank, Goregaon - East, Mumbai Editor : Nikhil Ashok Naik. Tel : Mob : ID : naikwealth@gmail. RNI No - MAHENG/2016/67267