the right time to invest is always - investments | insurance creation plans... · 2014. 6. 13. ·...
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Bruce Berkowitz
"The Right Time to Invest is
ALWAYS."
INVEST TODAY
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.
SYSTEMATIC
PLAN
INVESTMENT
WHY SYSTEMATIC INVESTMENT PLAN (SIP)
*Red bar reflects inflation adjusted returns. Data as per FY since 1991-2011Gold: www.kitco.com, Sensex: www.bseindia.com, Co Deposits: NJ Internal, Bank Deposits : RBI, Inflation: RBI
Actual Gain Real Gain
6.77.2
0.6
8.4
1.7
9.9
3.2
15.1
8.4
0
2
4
6
8
10
12
14
16
Inflation Gold Bank Deposits Co. Deposits Sensex
Assumptions: Returns assumed at 15% CAGR.
Save Now
Save Later
55 lacs
Now 10 Years later 25 Years later
31 lacs
Save NowNow 10 Years Later
25 15
� 2000/-
�5000/-
6 lacs 9 lacs
55 lacs 31 lacs
Save Later
Value after 25 years
Rising Market
Market MarketUnits Purchased Units Purchased
Falling Market
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.
3. Power of Compounding
Saving a small sum of money regularly from an early age
makes money work with greater power of compounding with significant impact on overall wealth accumulation.
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.
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.
Make Yourself a CROREPATICROREPATI *
11Get
�
1,37,82,804/-
By investing just�
5,000/- p.m. only
for 25 years*Assuming returns of 15% CAGR per annum in Equity Mutual Fund Schemes
Tax Free - Long Term
Capital Gains
Tax Free Dividends
Make your Investments TAX EFFICIENTTAX EFFICIENT
66Enjoy great Tax Advantages by making Investments
in Equity Mutual Fund Schemes...
SAVE TAX!SAVE TAX!
33Save your Hard Earned Money...
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
At the Age 65**A study by American Bureau of Labour
Have a Peaceful RETIREMENTRETIREMENT
22Be smart and start your SIP for peaceful retirement!
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
Power of CompoundingPower of Compounding
55Get the advantage of
SIP Calculator
What will be the value of your investment if you
have invested
� 10000/- every month through SIP?�
in Lacs with monthly compounding
Power of Compounding is the
Eighth Wonder of the World!!
5 Years
10 Years
15 Years
20 Years
734,140
1,812,832
3,397,785
5,726,600
Tenor of SIP/Rate of Return 8%
811,036
2,240,359
4,759,314
9,198,574
12%
873,421
2,630,182
6,163,656
13,270,734
15%
Make Your Child INDEPENDENTINDEPENDENT*
You dream the best for your
Children’s Education and Marriage
But do you know what will it cost in future?
Current Cost 10 lacs 25 lacs 10 lacs15 lacs
Engineering Foreign Study MarriageMBBS
1 Year
5 Years
10 Years
EngineeringIf age of Child is
4430.26
23.97
17.91
45.38
35.95
26.86
38.20
30.26
22.61
75.64
59.91
44.77
Foreign Study MarriageMBBS
* Study age assumed at 20 yrs. Marriage age assumed at 24 years. Inflation assumed at 6%
� in lacs
Be smart and start GAP for Child’s Education & Child’s Marriage!
SYSTEMATIC INVESTMENT PLAN
SIPSIP66SUPER REASONS for INVESTING inSUPER REASONS for INVESTING in
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.
CHILD FUTURE
PLAN YOUR
TODAY
If the cost of child's future education is going to increase by more than 3 times in next 15 years, assuming inflation @ 6%, then you need to choose a right asset class to plan for your child's future.
Don't simply retire
from something;
have something to
retire to, as life
begins at retirement.
Sensex 17000March 2008
Sensex 9000February 2009
Sensex 17000March 2012
Sensex 15000August 2009
15.07%*
SY
STE
MAT
IC
INVESTMENT P
LAN
(SIP
)SY
STE
MAT
IC
INVESTMENT P
LAN
(SIP
)
Start*Avg SIP Return of Top 100 MF Equity
Schemes as on 31st March, 2012
EVERGREEN INVESTMENT MANTRAEVERGREEN INVESTMENT MANTRA
A SURE SHOT FOR GOAL ACHIEVEMENT
The Purest Form of Investment “GOLD”INVEST TODAY. FOR TOMORROW.
‘THE GOLD SAVING FUNDS’
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 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 1000.
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.
Source: Bloomberg; Data in USD; Data as on July 29, 2011; Returns are CAGR
.
19.77%
10 years 5 years 3 years 1 year
45%
40%
35%
30%
25%
20%
15%
10%
5%
0%
20.70%20.98%
39.29%
Gold has performed consistently overdifferent time periods in last 10 years.
What if you deserve
for full and get...
...the same happens
with your Income
Paying Income Tax every year is mandatory...
SAVE TAX! SAVE TAX! Save Your Hard Earned Money
SAVE UPTO
Equity Returns + Tax Savings u/s 80CEquity Linked Saving Schemes (ELSS)
*
*
COMPREHENSIVE CLIENT DESKCOMPREHENSIVE CLIENT DESKA 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.
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
Hello, I am Ravi.
My customer id 23416.
Please purchase units
worth Rs. 20,000/- in
XYZ growth Scheme.
FOR TRANSACTION RELATED QUERIES CONTACT 1800 200 0155
TRANSACTCALL n
BUY/SELLUNITS OF MUTUAL FUNDS OVER PHONE
FROM ANYWHERE - INSTANT. ACCURATE. CONVENIENT
Call on <0261 3987500> to place your transaction
NJ TRADING & DEMAT A/CTHE ADDED BENEFIT FOR TODAY...TOMORROW
Easy, Convenient &Accurate way of Transacting
Purchase & Redemptionof units available
Registration of
Systematic Investment Plan (SIP)
Units will be available in
Demat Account
Paperless Transaction
Instant alerts on
registered email & Mobile no.
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.
ROLE OF A WEALTH ADVISOR IN YOUR LIFE...
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.
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