Get this monthly report by email by subscribing to The report gives the returns of asset classes for different periods of time, This report will help you in managing your finance. This guide will be updated at the end of the first week of every month, and will be available online at http://strategic-growth.in/finance No change Increasing Decreasing Return are shown as annualized %, and are not adjusted for taxes or inflation Type of Asset 5 Year p Summary of Investment return rates 3 Year 1 Year Debt Saving Bank - - 4-7% Debt Fix Deposit 8-9% 8.75-9.25% 7.25-9.25% Debt Mutual Funds 9.84% 8.63% 12.69% Equity Mutual Funds Equity BSE Sensex 7.21% 2.37% 10.26% 3.21% 2.63% 3.28% Gold 26.36% 22.22% 21.98% Real Estate 10.15% 10.78% 2.58% 30 25 20 26.36 22.22 21.98 15 10 5 0 12.72 9 9.84 9.25 10.26 8.63 9.25 7.21 2.37 3.21 2.63 3.28 5 Year 3 Year 1 Year FD MF-Equity MF- Debt BSE-Sensex Gold Page 1 of 7
Get this monthly report by email by subscribing to Debt Saving Bank After the savings rate deregulation by the RBI, most of the banks is offering 4% on the savings bank balance. Some banks that offer higher savings bank rates are 1 Yes Bank: 6 % up to Rs. 1 lac and 7 % above Rs. 1 lac 2 Kotak Mahindra Bank: 5.5 % up to Rs. 1 lac and 6 % above Rs. 1 lac 3 Indusind Bank: 5.5 % up to Rs. 1 lac and 6 % above Rs. 1 lac 4 Ratnakar Bank: 5.5 % on any amount Debt Fix Deposits A list of interest rates for fix deposits for varying duration is presented in table below. Bank Less than 90 days 1 Year 3 5 Axis Bank 6.50% 9.25% 9.25% 8.75% Bank of Baroda 4.50% 8.75% 8.75% 8.00% Canara Bank 7.00% 9.00% 9.00% 9.00% Central Bank of India 7.00% 9.00% 9.00% 8.50% HDFC Bank 7.00% 7.25% 9.25% 8.25% ICICI Bank 6.50% 8.00% 9.25% 8.50% Kotak Bank 6.50% 9.25% 9.00% 9.00% State Bank of India 8.00% 9.00% 9.00% 9.00% Yes Bank 6.25% 9.00% 8.75% 8.75% Interest rates are shown for amounts less than Rs. 1 crore. Page 2 of 7
Get this monthly report by email by subscribing to NAV: Net asset value in Rupees per unit The top 5 performing Debt Income funds over a 5 year period are:- 1 Canara Robeco Income 23.14 11.19% 2 Sahara Income 21.26 9.59% 3 ICICI Prudential Income Inst 36.49 9.54% 4 Birla Sun Life Dynamic Bond Ret 18.63 5 Kotak Bond Regular 18.48 9.53% 9.38% Average: 9.84% The top 5 performing Debt Income funds over a 3 year period are:- Sr r No 1 IDFC SSI Medium-term Plan B 12.18 9.10% 2 SBI Dynamic Bond 13.64 3 IDFC SSI Medium-term Plan A 18.89 8.77% 8.67% 4 Escorts Income 36.18 5 Birla Sun Life Medium Term Retail 12.96 8.53% 8.11% Average: 8.63% The top 5 performing Debt Income funds over a 1 year period are:- Debt Mutual Funds 1 Escorts Income 36.18 2 Kotak Bond Deposit 29.64 14.38% 12.66% 3 Kotak Bond Regular 31.78 12.66% 4 SBI Dynamic Bond 13.64 12.07% 5 IDFC Dynamic Bond Plan B 12.95 11.73% Average: 12.69% Page 3 of 7
Get this monthly report by email by subscribing to NAV: Net asset value in Rupees per unit The top 5 performing Equity Large cap funds over a 5 year period are:- Equity Mutual Funds NAV Current Annualized % 1 DSPBR Top 100 Equity Reg 96.70 8.21% 2 ICICI Prudential Top 100 Inst I 19.59 7.63% 3 Franklin India Bluechip 210.77 7.53% 4 HDFC Index Sensex Plus 220.56 6.40% 5 IDFC Imperial Equity 17.79 6.30% Average: 7.21% The top 5 performing Equity Large cap funds over a 3 year period are:- 1 ICICI Focused Bluechip Equity Inst I 16.72 11.81% 2 ICICI Focused Bluechip Equity Retail 16.16 11.02% 3 ICICI Prudential Top 100 Inst I 19.59 10.32% 4 Franklin India Bluechip 210.77 9.34% 5 ICICI Prudential Top 100 135.97 8.81% Average: 10.26% The top 5 performing Equity Large cap funds over a 1 year period are:- NAV Current Annualized % 1 ICICI Prudential Top 100 Inst I 19.59 4.15% 2 ICICI Prudential Top 100 135.97 2.77% 3 Religare AGILE 6.69 2.45% 4 Canara Robeco Large Cap+ 10.68 2.30% 5 BNP Paribas Equity 34.62 1.50% Average: 2.63% Page 4 of 7
Get this monthly report by email by subscribing to Equity BSE Sensex The returns of the BSE Sensex are listed below for 4 different periods. 10 3181.23 17,224.36 441.43% 18.40% 5 15,318.60 17,224.36 12.44% 2.37% 3 15,666.64 17,224.36 9.94% 3.21% 1 16,676.75 17,224.36 3.28% 3.28% These returns could be achieved by average investor by making investment in equity based mutual funds. If you are skilled investor you could even get higher returns by investing directly in equities of companies & following an effective investment strategy. Gold The returns of Gold are listed below for 4 different periods 10 5050 28666 467.64% 18.96% 5 8900 28666 222.08% 26.36% 3 15700 28666 82.58% 22.22% 1 23500 28666 21.98% 21.98% Investments in gold can be done by investing in physical gold like coins and bar, or in the gold Exchange Traded Funds (ETF's) available on the stock exchanges. Page 5 of 7
Get this monthly report by email by subscribing to Real Estate Real estate return showing top 3 cities of India during the period 2007-2012. NHB Residex's index was used for the analysis. City Chennai 4 95 304 220.00% 33.75% 3 143 304 112.58% 28.58% 1 271 304 12.17% 12.18% City Pune 4 97 181 86.59% 16.88% 3 117 181 54.70% 15.65% 1 169 181 7.10% 7.10% City Faridabad 4 121 217 79.33% 15.72% 3 145 217 49.65% 14.38% 1 206 217 5.34% 5.33% Country India 4 108 159 47.22% 10.15% 3 117 159 35.89% 10.77% 1 155 159 2.58% 2.58% In order to calculate return all over India average value of NHB Residex over 15 cities is used. Page 6 of 7
Get this monthly report by email by subscribing to Source of Information The analysis shown above is based on information available in the public domain. Sources of the information used for asset class are listed below Type of Asset Debt Savings bank Debt Fixed deposits Source of Information on State Bank of India - www.sbi.co.in Yes Bank - www.yesbank.in HDFC Bank - www.hdfcbank.com Ratekhoj www.ratekhoj.com Debt Mutual funds Value - www.valueresearchonline.com Equity Mutual funds Value - www.valueresearchonline.com Equity BSE Sensex BSE Historic Data www.bseindia.com Gold Gold Historic Data - www.goldprice.org Real Estate Residex - www.nhb.org.in Page 7 of 7