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SYSTEMATICSIMPLE
INVESTMENTINTELLIGENT
PLANPRACTICAL
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SYSTEMATICSIMPLE
INVESTMENTINTELLIGENT
PLANPRACTICAL
Simple way of investing
money, amount gets
deducted from your bank
account directly at
regular intervals
Investing a fixed amount every month helps in
averaging cost of units and leads to wealth
creation over long term because of power of
compounding
Saving a part of your monthly income
and investing in a disciplined manner
is a practical approach towards
achieving your financial goals
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BENEFITS OF
SIPInculcates disciplineto save and invest regularly
Helps you benefit from powerof compounding and createwealth over long term
Convenience: Flexible; can startor stop anytime
Rupee Cost Averaging 5
5
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Think of each SIP payment as laying a brick. One by one,
you’ll see them transform into a building.
Commit the amount of your choice - the same shall be debited
from your bank account every month like a recurring deposit bank
account . You will see your investments accrue month after month.
Inculcates disciplineto save and
invest regularly:
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The 8th wonderof the world.
Power ofCompounding:
That’s called the power of compounding – the longer you stay invested, the higher potential for growth.
*For illustration purpose only. These are assumed returns, actual returns may vary depending on scheme selected and market conditions.
Period You invest You get Your money
grows by
10 years 6 lacs 12.46 lacs 2.08 times
15 years 9 lacs 28.26 lacs 3.14 times
20 years 12 lacs 58.67 lacs 4.89 times
25 years 15 lacs 117.23 lacs 7.82 times
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Experience the magic
Rs 5,000 investedper monthgrowing @14%* p.a.
Power o
fCom
pounding:
No
te: G
raph
illustratin
g th
e p
ow
er o
f com
po
un
din
g (A
ssum
ed
rate o
f retu
rn: 1
4%
p.a.)
5 Ye
ars
15
Years
25
Years
50
00
0
1172.32 Lac (7.82x)
282.60 Lac (3.14x)
42.60 Lac (1.42x)
25
00
0
586.16 Lac (7.82x)
141.30 Lac (3.14x)
21.30 Lac (1.42x)
20
00
0
468.93 Lac (7.82x)
113.04 Lac (3.14x)
17.04 Lac (1.42x)
10
00
0
234.46 Lac (7.82x)
56.52 Lac (3.14x)
8.52 Lac (1.42x)
50
00
117.23 Lac (7.82x)
28.26 Lac (3.14x)
4.26 Lac (1.42x)
You
inve
st (pe
r mo
nth
)
You get
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w.arih
antcap
ital.com
Investment NAV (Rs.) No. of Units Remarks
Rs. 1,00,000 50 2,000 Higher NAV, Less Units
Rs. 1,00,000 25 4,000 Lesser NAV, Higher Units
Average Cost 33.33per unit
Rupee CostAveraging:Receive more units when NAV is lower and lesser
units when NAV is higher. Hence,
As NAV falls, cost is averaged out hence no need to time the markets.
5
5
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1
25Paisa
20161985
Balcony Ticket
Rs. 15/- Rs. 250/-
Hotel Bill
Rs. 25/- Rs. 1000/-
Petrol Price
Rs. 8/L Rs. 72/L
MBA Course
Rs. 40,000/- Rs. 10,00,000/-
AamdaniAtthanniKharchaRupaiya
Beat inflation with SIP
Note: The above figures are indicative and for illustration purpose only.www.arihantcapital.com
Life Stages of an Investor:
Stage Milestones Requirements
Young Upto
24 years Education Education Loan
Married
24 years - 60 years
Career, Marriage,
Buying House & Car
Child’s Education
Wealth Creation
Retired
60 Years and
above
Child’s Marriage,
Retirement
Sustainable annuity
income
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The busiestphase of your life
This is whenyou need toplan your
investment needs
When the clock is ticking faster
Vacation
Medical emergency
Other family obligations
Home
Car
Child’s education
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Avenues of savingsand investments
Silver
FD
Gold
Sensex
Cumulative annualized returns from 1979-2016
Re
turn
s (i
n t
ime
s)
Equities outperform other asset classes over the long term
Source: Arihant Research, BSE, RBI, Data as on Sep 30, 2016
Note: The above graph is used to explain the concept and is for illustration purpose only.Past performance may or may not be sustained in future.
SensexSilverFD (9.5%) Gold
28.73 (x)
30.46 (x)
32.81 (x)
278.65 (x)
When tostart a SIP?Start early - “NOW” is thetime to start your SIP
Jay started early andinvested less but endedwith nearly double theamount of Veeru - whoinvested more butstarted 8 years late.
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Veeru Age: 30
Total AmountInvested
Rs 6,72,000Over 28 yrs
2,000/-
Asset atage 50
Rs 70,36,06110.47 (x)
Amount Investedper month
Total AmountInvested
Rs 7,20,000Over 20 yrs
Asset atage 50
Rs 35,20,4224.89 (x)
Jay Age: 22
3,000/-
Amount Investedper month
Note: Assumed rate of return 14% p.a. Actual returns may vary depending on scheme selected and market conditions.
How to start a SIP?
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Physical Form BSE Star MF
SIP mandate is registeredwith BSE Star MF on signingof SIP form and NACHauto-debit form
Investor selects the scheme (s) hewants to invest in, the amountand the tenure of investment
SIP commences asper date mentioned
Note: SIP mandate registration is a one-time process forstarting/ redeeming SIPs across all AMCs
Submit cheque for firstinstallment, auto-debitthereafter
Note: Common application form required each time onstarting SIP with new AMC, Redemption formrequired for stopping SIP
Fill common application formand auto debit NACH form
SIP commences as perdate mentioned
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WhyArihant?
In-depth research for selecting
the right schemes based on your objective
Monitor your portfolio
online - anytime, anywhere
One-time form signing - get rid of
cumbersome paperwork
Additional investment can be done over
a phone call/e-mail
Because your growth is our objective
Disclaimer:The information contained in this document is for general illustration purpose only and not a complete disclosure of every material fact. The information/data herein alone is not sufficient and shouldn’t be used for the development or implementation of an investment strategy. It should not be construed as investment advice to any party. Readers shall be fully responsible/liable for any decision taken on the basis of this article. Mutual fund investments are subject to market risks, read all scheme related documents carefully.
Call: +91 7024471019 E-mail: [email protected] www.arihantcapital.com
Corporate Office: #1011, Solitaire Corporate Park Building No.10, 1st Floor, Andheri Ghatkopar Link Road Chakala
Andheri (East), Mumbai, Phone. 022-42254800
Registered Office: E-5 Ratlam Kothi, Indore-452001 (M.P.) | Phone: 0731-4217500
Registration Number: BSE-INB/INF 010705532; NSE-INB/INF 230783938; NSDL: IN-DP-NSDL-165-2000;
CDSL: IN-DP-CDSL-317-2005; AMFI-ARN 15114; SEBI-RA INH000002764