Icici - Sebi Ppt - Faculty - Sn Profile - 13-3-14

8/12/2019 Icici - Sebi Ppt - Faculty - Sn Profile - 13-3-14

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www.LKWINDIA.com www.gurukshetra.com

Sumeet Nayak Vice President

An MBA (Finance), with close to a decade of experience acrossthe financial service industry

Diploma in Banking and Finance from the Indian Institute ofBanking & Finance

He is a Certified Personal Financial Advisor (CPFA) fromNISM and an IRDA certified Life Insurance Advisor

Advises LKWs clients on investments across Asset Classes

A Guest Faculty at B-School and Graduate Colleges acrossMumbai, Pune, Maharashtra Andhra Pradesh, Karnataka andKerala on topics related to Stock Market Investments, Mutual

Funds, Commodity Trading and InsuranceHe has also been associated in the past with reputedcompanies like Citigroup, MF Global, Newswire 18 andInteractive Brokers


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L OTUS K NOWL WEALTHCreating Wealth through Knowledge

Financial Planning UsingMutual Funds

SEBI INVESTOR AWARENESS

An initiative to empower mutual fund investors by providing them with the rightinformation to make informed investment decisions.

Mutual Fund investments are subject to marketrisks, read all scheme related documents carefully


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Why Do I Need to Save

Illustration Amount

Base Income 100

Less : Direct Tax 30

Post Direct Tax Income 70

Non - DiscretionaryExpenses 35

Indirect Taxes 5

Net Income 30

Net Investible Income 20


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Is Just Saving Enough

INCREASING MONTHLYBILL PAYMENTS

TAXES

INFLATION


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1200.00

300.00

50.00

40.00

22.20

48.35

2008

830.85LPG Cylinder

2620.27Zodiac Mens shirt

259.12Petrol (per litre)

224.00Masala Dosa

52.00Hamam Soap

104.0018.90Colgate toothpaste(100 gm tube)

2017?Item 1987

8.05

3.05

3.50

7.99

56.15

225.00

7.85

14.00

25.48

137.85

510.00

1997

REALITY

Inflation & the AAM AADMI


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Time Value of Money

Time Value of you Money , makes the amount savedinsignificant in the future

0

20000

40000

60000

80000

100000

120000

Present 5 Years 10 Years 15 Years 20 Years

100000

71639

47216

3111920510

Savings

CPI Rate of Inflation assumed at 8%


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So Now What Do I Need to Do ?

SAVE! INVEST!


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Equity or Gold or Real Estate

30 Year Comparison

** South Mumbai

**



Long Term Wealth Creation

High Risk

Two Year Bull Cycle in a Seven Year Cycle

Pulls up overall average returns

* Minimum period of remaining invested is 7-10 years

Scheme Category /Benchmark Indices CAGR % Returns (4

th March, 2014)

1 year 3 years 5 years 10 years

Large Cap Funds 14% 8% 25% 19%

Mid Cap Funds 25% 23% 33% 23%

Balanced Funds 17% 12% 23% 18%



Investing in Mutual Funds

Simple & Efficient



Advantage Mutual Fund

Has offerings acrossAsset Classes

Facilitates Easy

Portfolio Rebalancing

Managed by FundManagers

Access to SuperiorCompany Information

Equity Large Cap Multi Cap Mid Cap Sectoral Fund

Balanced Fund

Debt Liquid Fund Dynamic Bond Fund Income Funds Gilt Funds

Monthly Income Plan

Gold Fund-of-Fund

Global Funds Fund of Fund

MutualFunds


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Invest SMART , Invest SAFE


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Benefits of SIP


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How Does it Work ?

Rupee Cost Averaging gives you a lower unit cost unit thanmarket average

Investing FIXED amounts makes sure you purchase MORE

units at a lower price and LESS at a higher price

Average unitcost

. 9.3 . 10

Units Bought 75 70

End Value . 825 . 770


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Life Cycle Stage

Asset Allocation Model

Life Cycle Stage Type of Investor Equities Debt Gold

Wealth Creation Higher Risk 70% 15% 15%

Wealth Consolidation Medium Risk 50% 40% 10%

Wealth Protection Lower Risk 20% 75% 5%


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Life Cycle Stages

Early Starter

High Risk Appetite

Highly RewardingEquity Mid Cap Funds

SIP Ideal InvestmentStrategy

Higher AverageReturns

Time Bound Goals

Moderate Risk Appetite

Anchor Portfolio - HybridFunds (Balanced Funds

& MIPs)

STP Ideal InvestmentStrategy

Consistent AverageReturns

Retirement Corpus

Low Risk Appetite

Debt Mutual Funds

SWP IdealInvestment Strategy

More than InflationReturns

Wealth Creation Wealth Protection Wealth Consolidation


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Pillars of Investing

Consistency

Liquidity

Returns


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Re-balancing Asset Allocation

Allocate based on Economic & Market conditions

Provide Weightages based on Outlook

Create Asset Class Boundaries

Rebalance based on

Breaching Boundaries

Changing Outlook


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To Avoid a FinancialSurgery do a

6 monthly Portfolio Check Up

Road to Financial Health & Wealth

Stay Financially Healthy to

Get Wealthy


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www.gurukshetra.comwww.lkwindia.com

An Investor Awareness &

Education Initiative

THANK YOU

Icici - Sebi Ppt - Faculty - Sn Profile - 13-3-14

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