systematic investment plan - new - copy

Systematic Investment Plan(It’s Never Too Late To Invest)

http://www.kshitijfinancial.com/


Why SIP?• Despite there being patches when the investments go under

water, the case for Systematic Investing is still compelling and remains the best way to participate in the Equity markets.

Features of SIP:

1. Light on the wallet.2. A specific amount is invested for a continuous period at regular

intervals under this plan.3. SIP is similar to a regular saving scheme like a recurring deposit.

It is a method of investing a fixed sum regularly in a mutual fund4. SIP allows the investor to buy units on a given date every month.

The investor decides the amount and also the mutual fund scheme

5. While the investor's investment remains the same, more number of units can be bought in a declining market and less number of units in a rising market

6. The investor automatically participates in the market swings once the option for SIP is made



Benefits of SIP• Saving a small sum of money regularly at an early age

makes money work with greater power of compounding with significant impact on wealth accumulation.

• SIP helps in averaging cost of acquiring units

• It is very convenient. SIP can be operated by simply providing post dated cheques with the completed enrolment form or give ECS instructions. The cheques can be banked on the specified dates and the units credited into the investor's account.

• It helps in creating wealth over a longer time period.

• It makes investor disciplined in their savings.



Example: Reliance Growth Fund

• Inception: 8-Oct-1995

• Amt of SIP: Rs.1000 Per Month

• Total Months : 232 (Till 24-Mar-2015)

• Total Investment Value: Rs.232000• Value of Investment: Rs.47,35,240.00• Annualised Returns: 26.60 %

• Annualised Returns of Index: 14.15 %



Portfolio

Scheme Category Amt Rs.

DSP BlackRock Top 100 Equity Equity – Large Cap 1000

HDFC Mid-Cap Opp Fund Equity – Mid & Small Cap 1000

ICICI Pru Discovery Fund Equity – Mid & Small Cap 1000

Reliance Equity Opp Fund Equity – Multi Cap 2000

Selecting well-performing funds with high ratings is the first step towards successful investing



Performance

* NAV as on 24-MAR-15


SIP Returns

SchemeNAVRs

1 Yr 3 Yrs 5 Yrs 10 Yrs 15 Yrs SinceInception

DSP BlackRock Top 100 Equity 160.83 18.38 22.10 15.72 15.40 - 18.74

HDFC Mid-Cap Opp Fund 36.531 38.59 41.15 28.71 - - 25.29

ICICI Pru Discovery Fund 114.69 41.42 33.42 24.23 23.35 - 23.61

Reliance Equity Opp Fund 74.673 32.13 33.70 23.21 20.82 - 20.82


Performance

* NAV as on 29-Sep-14


SIP Returns & Valuations

Scheme

1 Yr 3 Yrs 5 Yrs 10 Yrs 15 Yrs Since Inception

Inv Rs.Value

Rs.Inv Rs.

Value Rs.

Inv Rs.Value

Rs.Inv Rs.

Value Rs.

Inv Rs. Value Rs. Inv Rs. Value Rs.

DSP BlackRock Top 100 12000 13128 36000 49550 60000 88709 120000 268254 144000 481408

HDFC Mid-Cap Opp 12000 14307 36000 63640 60000 121210 93000 253189

ICICI Pru Discovery 12000 14468 36000 65064 60000 123267 120000 411555 127000 479798

Reliance Equity Opp 12000 13936 36000 57638 60000 108980 120000 359086 120000 359086

Asset Allocation



Capitalisation

Portfolio Style Break Up

Rank Percentage (%)

Giant 28.97

Large Cap 18.27

Mid Cap 42.64

Small Cap 10.12

Not Classified 0.00



Equity Style Box


Sector AllocationPortfolio Sector Allocation

Sector Net Asset(%)Asset Value `

Financial 23/69 1124

Engineering 13.19 626

Services 11.21 532

Automobiles 10.08 478

Technology 9.66 473

Healthcare 7.59 360

Construction 4.82 229

Chemicals 4.44 211

Energy 4.22 200

FMCG 3.17 151

Diversified 2.83 134

Cons Durables 1.98 94

Metals 1.90 90

Communication 0.80 38

Textiles 0.11 5

Others 0.01 0.49

Total 100 5000


Stock AllocationTop 15 Equity Portfolio Holdings

Company Net Asset(%)Value `

HDFC Bank 4.12 196

State Bank of India 3.82 181

Infosys 3.03 144

Divi’s Lab 2.80 133

L&T 2.57 122

Maruti Suzuki 2.50 118

Bharat Forge 2.37 113

ICICI Bank 2.36 112

HCL Tech 2.29 109

Bharat Electronics 1.76 84

Cummins India 1.69 80

Max India 1.58 75

Trent 1.41 67

Alstom T&D 1.33 64

Others-Miscellaneous 63.64 3022

Total Portfolio Value 100.00 5000


SIP of Rs.5000 p.m.

Returns

SIP Period

(Yrs)

TotalInvestment

12 15 18 20

5 300000 408348 442872 481073 508791

10 600000 1150193 1376000 1656000 1880476

15 900000 2497900 3342533 4528122 5578499

20 1200000 4946000 7486000 11544000 15548259

Monthly Income(ROI @ 8% p.a.) 32973 49907 76960 103655


• SIP is a Good way to Invest to achieve Financial goal such as Marriage or Education of Children's, Wealthy Retirement and many more.


To Invest In Mutual Funds

Contact :

Amit M. Surpuriya

KSHITIJ FINANCIAL SERVICES

Mobile: 98508 73688

Email: [email protected]

Website: http://www.kshitijfinancial.com/

systematic investment plan - new - copy

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