neeraj graph

8/8/2019 Neeraj Graph

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ABBREVIATION

SIP : Systematic investment plan

TMD : Term deposit

AMFI: Association of mutual funds of India

AMC : Asset management company

BSE : Bombay stock exchange

MF : Mutual fund

SYS TEMATIC INVE S TMENT PLAN( S IP)

W hat is SIP?

y An SIP is a regular investment plan for purchasing units of a mutualfund scheme. Offered by mutual funds to help you save regularly.

When investing in mutual funds, you would normally identify a scheme& invest a predetermined amount in it at its prevailing net asset value(NAV). If you invest a sum of Rs.10000 at an NAV of Rs.10, you willreceive 1,000 units. The timings of your investment in such a case mayturn out to be favourable or unfavourable.


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y U nder SIP, however, your investment is staggered over a period.Instead of investing Rs.10000 at one go, you might consider investingspecified amounts in a scheme at pr-specified intervals. For instance,you could spread out the Rs.10000 investment over 10 months, with

Rs.1000 being invested each month. The number of units that accrue toyou on each periodic investment would depend on the NAV of thescheme prevailing at the time of your purchase. By doing this, youwould have done away with the need to time the market. SIPs also incalculate some much needed discipline into your investing habits. .

y It is just like a recurring deposit with the post office or bank where you put in every month. The difference here is that the amount is investedin a mutual fund.

y The minimum amount to be invested can be as small as Rs.500 & thefrequent investment is usually monthly or quarterly.

BALANCE SHEET


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Ratios

1. Current ratio = Current Asset = 350425612 = 1.39Current liability 251673529

2. Debt equity ratio= debt = 8268459 = 0.18Equity 44991660

3. Retained earning= retained earning = 12912812 = 0.29Capital 44991660


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PROFIT & LOSS ACCO U NT

1. Net profit ratio= Net profit = 12912812 = 0.14Sales 90263503

2. Operating rotio = (operating expense + interest) = 21946691 + 26610018 = 0.05Sales 902635503


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R ESEA R CH ON INVESTO R S

Q1. W hat are the types of investors?


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Investing pattern of aggressive investors

Interpretation

From the above graph Aggressive investors invest 50% in equity, 40% debt & 10% cash which indicates

that they are ready to take more risk as they want more returns.


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Investing pattern of moderate investors

Interpretation

From the above graph moderate investors invest 90% in debt, 45% in equity & 15% in cash which

suggest that they are more interested in assured return with minimum risk.


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Investing pattern of conservative investors

Interpretation

From the above graph conservative investors invest 70% in debt, 20% in equity & 10% in cash which

suggest that they are more interested in assured return with minimum risk.


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Investing pattern of very conservative investors

DEBT 80

EQUITY 10

CASH 10

Interpretation

From the above graph very conservative investors invest 80% in debt, 10% in equity & 10% in cash

which suggest that they are more interested in assured return with minimum risk.


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Expectation & knowledge of investors

Interpretation

Steadily 13

Average 62

Fast 25

Interpretation

From the above graph investors are expecting 62% growth at an average rate, 25% growth atfast rate & 13% at steady rate.


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Between 20-30 17

Between 30-50 32

Above 50 51

INTE R P R ETATION & ANALYSIS

neeraj graph

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