TO GET FRUITS SOW THE SEEDS NOW & NOURISH … can spread your money across all asset classes of ......
Transcript of TO GET FRUITS SOW THE SEEDS NOW & NOURISH … can spread your money across all asset classes of ......
TO GET FRUITS IN FUTURE, WE HAVE TOSOW THE SEEDS NOW & NOURISH REGULARLY...
APPLY THE SAME FOR INVESTMENT....
“THE BEST TIME TO PLANT A TREE WAS 20 YEARS AGO. THE SECOND BEST TIME IS NOW.” - CHINESE PROVERB
PREPARE YOUR
FINANCIAL PLANAND
STRENGTHENYOUR
WEALTHThe decisions you make today will determine the tomorrow of your family
Here are a few tips that will strengthen your �nancial plan.
As the breadwinner, your primary concern is family �nancial security post your retirement or in your absence. The ideal road to gaining �nancial safety is smart investments, prudent savings, and wise insurance policies. A steady income is the result of a well-thought �nancial plan that covers all the risks. Here are a few tips that will strengthen your �nancial plan.
“ Financial Planning is about more than just good advice or investment returns. It’s about
providing guidance that you can trust.”Disclaimer: The above content are for illustrative purpose only. The situations/results may
or may not materialise in future. Consult your financial/tax advisor for more detail.
Asset AllocationYou can spread your money across all asset classes of stocks, bonds and cash, based on your short-term & long-term goals. The thumb rule for investment in equities is 100 minus your current age in percentage terms.
Retirement PlanningIt is believed that the earlier you start your retirement plan, the better it is. Starting early certainly has its advantages; your money has more time to grow. Make sure the amount you calculate as your retirement fund is enough to maintain your lifestyle after factoring for in�ation.
Adequate Insurance CoverHaving adequate Life & Health Insurance cover is as important as saving for future needs. It is essential to do an insurance-need analysis to identify insurance needs for self and family. While most of them who have insurance think they are adequately covered, only wake up to realize that they are not in the event of a disaster. Therefore it is important that you periodically review your insurance requirement.
Estate PlanningIn simple words, estate is your net worth. Estate planning involves ensuring that, in the event of your death, your wealth is distributed as per your wish, without legal hassles. A few basic steps of estate planning involve creating a will, nominating guardians and monitoring your plan regularly.
Tax PlanningTax planning is a crucial part of your �nancial plan; one that is usually overlooked until year-end is round the corner. The �rst step in tax planning is calculating your tax liabilities.
BEAT INFLATION AND ACHIEVE YOUR FINANCIAAL GOALS WITH...
INFLATIONTHE BIGGEST HURDLE IN ACHIEVING FINANCIAL GOAL
IF YOU WERE HAVING R1,00,000/- IN 1990, TODAY ITS VALUE AS PER 7% INFLATION RATE IS R15,150/-
1990R 1,00,000/-
1996R 64,700/-
2006R 31,300/-
2016R 15,150/-
2026
?
(Total number of schemes covered: 45, Returns as on 30th September, 2016) * 15 Year Period From 30/09/2001 to 30/09/2016Disclaimer: This publication is made for private circulation only. The information mentioned in this publication is taken from various sources for which we does not assume any responsibility or liability and neither does guarantee its accuracy or adequacy. Mutual Fund investments are subject to market risks. Investors are advised to read the offer documents and other risk factors carefully before investing in any scheme. The past performance of a scheme is not indicative of its future performance. Investors are advised to take advice of experts before making any investment decisions. The data/information/comparisons in this document is aimed to provide better understanding and knowledge to the reader. This publication should not be construed as a financial advice and/or as solicitation/advice to buy or sell Mutual Funds.
2001R 1,00,000/-
2005R 5.60 lacs
2008R 7.77 lacs
2011R 11.09 lacs
2016R 24.61 lacs
LUMPSUM15 YEARS PERFORMANCE IN EQUITY MUTUAL FUNDS
IF YOU HAD INVESTED R1,00,000/- IN EQUITY MUTUAL FUNDS IN 2001, TODAY ITS VALUE IS R24,61,290/- @ 23.8% CAGR
INVESTMENT
GOLDEQUITY
FD
R1.5 Cr.15 TIMES
returns in 13 YRSfrom 72 EquityMutual Funds
R25 lacs2.5 TIMES
returns in 13 YRS
R46 lacs4.6 TIMES
returns in 13 YRS
Current Value of R10 Lac. Period from 31/03/2003 to 31/03/2016. Average return of 72 Equity MF available in March 2003 considered
Bank FD Gold Avg of Equity MF0
200000
400000
600000
800000
1000000
1200000
1400000
1600000
1800000
R 25lacs
R 46lacs
R 1.5Crores
PERFORMANCE OF DIFFERENT ASSET CLASSES
Disclaimer: Mutual Fund investments are subject to market risks. Investors are advised to read the offer documents and other risk factors carefully before investing in any scheme. The past performance of a scheme is not indicative of its future performance.
93% FundsInvestment has multipliedby more than 10 times.
*Returns as on 30th September, 2016. For schemes with dividend option, dividend reinvestment has been considered on the date of dividend. Funds are arranged in alphabetical order. Source: Internal
THE BIG MONEY IS NOT IN THE BUYING AND SELLING BUT IN
THE WAITING.
INVESTMENT PLAN IN EQUITY MUTUAL FUNDS
Disclaimer: Mutual Fund investments are subject to market risks. Investors are advised to read the offer documents and other risk factors carefully before investing in any scheme. The past performance of a scheme is not indicative of its future performance.
INVESTED R LUMPSUM INVESTED*
R CURRENT VALUE*
*In September, 2001 *As on 30th September, 2016
Return CAGR (%)Scheme Name Value (R) Return CAGR (%)Scheme Name Value (R)
Birla Sun Life Advantage Fund GrBirla Sun Life Equity Fund - GrBirla Sun Life India Opportunities Fund - GrBirla Sun Life MNC Fund GrBirla Sun Life Tax Plan - DivBirla Sun Life Tax Relief 96 Fund - DivCanara Robeco Equity Tax Saver Fund - DivDSP BlackRock Equity Fund - Reg. Plan - DivDSP BlackRock Opportunities Fund - GrEscorts Growth Plan GFranklin India Bluechip Fund GrFranklin India Opportunities Fund-GrFranklin India Prima Fund GrFranklin India Prima Plus GrFranklin India Taxshield GrHDFC Capital Builder-GrHDFC Equity Fund - DivHDFC Growth Fund GrHDFC Large Cap Fund - GrHDFC Long Term Advantage Fund - GrHDFC Taxsaver - DivHDFC Top 200 Fund - DivICICI Prudential Long Term Equity Fund - Regular GrICICI Prudential Multicap Fund - Gr
21.0025.7621.9524.1724.1422.7421.2025.0525.7220.0723.7921.0830.2725.4424.4924.2026.3423.1916.3525.7525.0325.6426.3423.35
17,44,94031,12,70519,62,12725,71,87725,62,57221,61,68217,88,70728,59,27230,97,88715,54,23824,56,31217,62,32652,80,39229,95,99226,73,11125,81,21433,35,13222,83,662
9,69,38431,08,99428,52,42030,68,44933,35,13223,28,559
ICICI Prudential Top 100 Fund - GrJM Equity Fund Growth OptionKotak 50 Equity Scheme DivLIC MF Equity Fund GrPrincipal Growth Fund GrPrincipal Personal Tax Saver - GrPrincipal Tax Savings FundReliance Growth Fund GrReliance Vision Fund GrSBI Contra Fund - Regular DivSBI Magnum Equity Fund - DivSBI Magnum Global Fund - DivSBI Magnum Multiplier Fund - DivSBI Magnum Tax Gain Fund - DivSundaram Tax Saver - DivTata Ethical Fund - GrTata India Tax Savings Fund Regular Plan - DivTata Large Cap Fund - GrTaurus Discovery Fund - GrTaurus Starshare GrowthTempleton India Growth Fund GrAverage
21.0816.2522.4215.3019.6519.6020.6230.3027.0826.2621.4527.1624.3826.7123.6522.7822.3422.9416.7422.6422.74
23.81
17,62,3269,56,961
20,78,6708,46,135
14,74,65514,65,43916,64,52352,98,66236,40,47533,03,59518,44,85736,75,00426,37,90034,84,68424,14,97021,72,27320,58,38822,15,12410,19,28421,35,41421,61,682
24,61,291
Disclaimer: Mutual Fund investments are subject to market risks. Investors are advised to read the offer documents and other risk factors carefully before investing in any scheme. The past performance of a scheme is not indicative of its future performance.
15 FundsHave made their SIP investorsCrorepati (for a monthly SIPof R10,000 for 15 years)
INVESTED R SIP R10,000/- PER MONTH*
R CURRENT VALUE*
SYSTEMATICINVESTMENT PLANIN EQUITY MUTUAL FUNDS
*Returns as on 30th September, 2016. For schemes with dividend option, dividend reinvestment has been considered on the date of dividend. Investment assumed to be done on 10th of every month. Funds are arranged in alphabetical order. Source: Internal
THE BIG MONEY IS NOT IN THE BUYING AND SELLING BUT IN
THE WAITING.
*From October 2001 to September, 2016 *As on 30th September, 2016
Return CAGR (%)Scheme Name Value (R) Return CAGR (%)Scheme Name Value (R)
Birla Sun Life Advantage Fund GrBirla Sun Life Equity Fund - GrBirla Sun Life India Opportunities Fund - GrBirla Sun Life MNC Fund GrBirla Sun Life Tax Plan - DivBirla Sun Life Tax Relief 96 Fund - DivCanara Robeco Equity Tax Saver Fund - DivDSP BlackRock Equity Fund - Reg. Plan - DivDSP BlackRock Opportunities Fund - GrEscorts Growth Plan GFranklin India Bluechip Fund GrFranklin India Opportunities Fund-GrFranklin India Prima Fund GrFranklin India Prima Plus GrFranklin India Taxshield GrHDFC Capital Builder-GrHDFC Equity Fund - DivHDFC Growth Fund GrHDFC Large Cap Fund - GrHDFC Long Term Advantage Fund - GrHDFC Taxsaver - DivHDFC Top 200 Fund - DivICICI Prudential Long Term Equity Fund - Regular GrICICI Prudential Multicap Fund - Gr
18.2021.4616.0422.8119.6518.3718.6021.4120.7916.4718.8817.1123.6021.1520.4520.6721.2118.8112.2720.1620.6020.7521.6819.62
81,53,1451,08,71,569
67,47,7271,22,53,621
92,63,89182,75,93284,45,105
1,08,23,5381,02,45,612
70,05,90186,55,88074,09,404
1,31,43,6361,05,77,240
99,42,1551,01,37,4431,06,33,566
86,02,68348,70,49496,90,593
1,00,74,8841,02,09,4251,10,85,495
92,39,399
ICICI Prudential Top 100 Fund - GrJM Equity Fund Growth OptionKotak 50 Equity Scheme DivLIC MF Equity Fund GrPrincipal Growth Fund GrPrincipal Personal Tax Saver - GrPrincipal Tax Savings FundReliance Growth Fund GrReliance Vision Fund GrSBI Contra Fund - Regular DivSBI Magnum Equity Fund - DivSBI Magnum Global Fund - DivSBI Magnum Multiplier Fund - DivSBI Magnum Tax Gain Fund - DivSundaram Tax Saver - DivTata Ethical Fund - GrTata India Tax Savings Fund Regular Plan - DivTata Large Cap Fund - GrTaurus Discovery Fund - GrTaurus Starshare GrowthTempleton India Growth Fund GrAverage
17.7511.8818.3211.3315.8115.6716.0923.9319.3420.2117.9824.0021.6422.4619.1219.3919.0018.9814.8217.9318.60
19.36
78,37,13147,10,77882,39,62144,95,03466,13,73765,33,54567,77,229
1,35,34,48590,13,99297,33,49679,97,034
1,36,18,8871,10,46,2831,18,79,043
88,40,85690,53,82587,47,86487,32,46460,68,08379,61,98784,45,105
90,27,529
ACHIEVEFINANCIAL
GOAL
POWER OFCOMPOUNDING
TAX FREE LONG TERM
CAPITALGAINS
TAXSAVINGu/s 80C
WITH ELSSLONG TERMWEALTH
CREATION
TAX FREEDIVIDEND
SIPSYSTEMATIC INVESTMENT PLAN
REASONS FOR INVESTING INEQUITY MUTUAL FUNDS WITH6
SUPER
SYSTEMATIC INVESTMENT PLANIN EQUITY MUTUAL FUNDS
SIP helps you to set aside a fixed amount every month
for investments, thus contributing towards your
financial goal in life.
@15
%C
AG
R
MR. SAXENA
MR. GUPTA
INVESTMENT STARTING AGE 25 YEARS
MONTHLY INVESTMENT R 10,000/-
INVESTMENT TILL AGE 60YRS 35 YEARS
TOTAL AMOUNT INVESTED R 42 LACS
WEALTH AT AGE 60 YRS R 11.41 CRORES
45 YEARS
R 20,000/-
15 YEARS
R 36 LACS
R 1.23 CRORES
\ 11.41 CRORES
25 YEARS 60 YEARS45 YEARS
R 1.23 CRORES
GET ADVANTAGE OFPOWER OF COMPOUNDING
RIGHT ASSET CLASSEQUITY MARKET HAS OUTPERFORMED ALL OTHER INVESTMENT AVENUES
Growth in Different Asset Classes from March 1981 to March 2016Source: Gold-Handbook of Statistics on Indian Economy, RBI. Silver - Handbook of Statistics on Indian Economy, RBI. Sensex - www.bseindia.comCo Deposits - assumed (1% higher than Bank FD Rate). Bank Deposits - Handbook of Statistics on Indian Economy, RBI. Inflation(WPI) - Handbook of Statistics on Indian Economy, RBI
15.0
9.88.0
1.5
8.4 8.8
1.9 2.3
6.4
INFLATION GOLD SILVER BANK DEPOSITS CO. DEPOSITS SENSEX
3.2
8.1
18
16
14
12
10
8
6
4
2
0
-2
Actual Gain Real Gain R 1,16,402
SENSEX
R 8,197
R 15,434 R 13,777R 17,712
R 24,174
INFLATION GOLD SILVER CO. DEPOSITS BANK DEPOSITS
130000
90000
70000
50000
30000
10000
0
Growth of R 1,000 in Di�erent Asset Classes
Disclaimer: The above figures/projections are for illustrative purpose only. The situations/results may or may not materialise in future. Please take proper professional advise before making any financial decisions based on above illustrations. Investments in Mutual Funds are subject to market risks. Past performance may or may not be repeated in future. Please read the Offer Document carefully before investing in any scheme. Any reproduction, copying and republishing of any contents including Images/Logos used in this booklet are strictly prohibited and shall attract legal action.
START SAVING FOR YOUR FUTURE WITH MUTUAL FUND
SIP TODAY
“Anyone who is not investing now is missing a tremendous opportunity.” - Carlos Slim
Sensex 21000January 2008
Sensex 28000September 2016
Sensex 9000February 2009
Sensex 15000January 2012
20.50%
AN EVERGREEN INVESTMENT MANTRA
SYSTEMATIC INVESTMENT PLAN IN EQUITY MUTUAL FUND
SIP From January 2008 to September 2016Monthly SIP Amount Total Amount Invested Current Value
R 5,000R 10,000
R 5,25,000R 10,50,000
R 13,33,520R 26,67,040
*Average SIP Return of Top 50 MF Equity Schemes as on 30th Sept, 2016
Disclaimer: Mutual Fund investments are subject to market risks. Investors are advised to read the offer documents and other risk factors carefully before investing in any scheme. The past performance of a scheme is not indicative of its future performance.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
RAISING A CHILDHOW MUCH AND WHATWILL YOU SPEND IN
Future requirement is huge, the question is how to handle...
R52.26*lacs
of the total expenseon healthcare is incurred in the first three years of the child’s life.50%
the total healthcare cost is what parents spend on a child’s entertainment. This is mostly due to the high cost of gadgets, such as mobile phones, that children consider essential.3times
*con
ditio
ns a
pply
has been the rise in inflation in primary and secondary education from 2005 to 2011, according to a survey by Assocham.
169%
7.2% -R 3.76 lacs
Entertainment
3.55% -R 1.85 lacs
Miscellaneous
18.61% -R 9.73 lacs
Housing
10.3% -R 5.38 lacs
Food8.23% -
R 4.30 lacs Clothing
3.04% -R 1.58 lacsHealthcare
49.07% - R 25.66 lacsEducation
Bas ItnaHi Chahiye!!!Bas Itna
Hi Chahiye!!!
For MyEducation
SMALL INVESTMENT TO FULFILL OUR FINANCIAL GOALS...
For MyRetirement
R10,000/- P.M.
R5,000/-P.M.R5,000/- P.M.For MyEducation
R10,000/-P.M.For My Kids Marriage
SIP helps you to set aside a f ixed amount every month for investments, thus contributing towards your f inancial goals. Through SIP you can start with smaller amount on a monthly basis and create wealth over a long term for any f inancial goals in life.
SYSTEMATIC INVESTMENT PLAN IN EQUITY MUTUAL FUNDS
AN APPROPRIATE INVESTMENT PLAN FOR YOUR FINANCIAL GOALS...
It is sensible to save money for family’s financial goals and keep them financially secure. The negative effects of inflation will hardly leave us with anything in the end if we choose to save money in bank deposits or any other saving instruments that offers very less returns*, while an investment with good returns will keep us financially secure. By investing our savings, in the right asset class for long term, we can ensure financial security for the future of our Family.
15%
R25,000/-p.m.
R1.43Crores
8%CAGR
R3.32Crores
15%CAGR
R2.30Crores
CAGR
12%
20yrsReturn
Investment Amount R60 lacs
15%
R10,000/-p.m.
R57.26lacs
8%CAGR
R1.32Crores
15%CAGR
R91.98lacs
CAGR
12%
20yrsReturn
Investment Amount R24 lacs
R5,000/-p.m.
R28.63lacs
8%CAGR
R66.35lacs
15%CAGR
R45.99lacs
CAGR
12%
20yrsReturn
Investment Amount R12 lacs
Each Drop of Water is essential to make a Mighty Ocean. Every Rupee Saved is a Rupee Earned to Secure the Future.
BENEFITS OF SIPImparts �nancial discipline to life
Invest irrespective of marketconditions
Cost averaging helps neutralisemarket volatility
Get bene�t of “Power of Compounding”
Disclaimer: The figures/projections are for illustrative purpose only. The situations/results may or may not materialise in future. Investments in Mutual Funds are subject to market risks. Past performance may or may not be repeated in future. Please read the offer document carefully before investing in any scheme.
PaisaBachaana Chahte ho ki
Badhaana?Dono
Investment limit u/s 80C of Income Tax Act now increased to R1,50,000/-
EQUITY LINKED SAVING SCHEME IN MUTUAL FUNDS
ELSSEQUITY LINKED SAVING
SCHEME IN MUTUAL FUNDS
Disclaimer: The above figures/projections are for illustrative purpose only. The situations/results may or may not materialise in future. For Tax provisions mentioned, please consult your Tax Advisor for details. Investments in Mutual Funds are subject to market risks. Past performance may or may not be repeated in future. Please read the Offer Document carefully before investing in any scheme.
*Amount in s - based on Tax Slab for FY 2015-16- Assuming an investment of s 1,50,000 in ELSS in this Financial Year*Please see the income tax rules for details.
LEAST LOCK-IN
PERIOD OF 3 YEARS
TAX FREE LONG-TERM
CAPITAL GAINS
TAX FREE DIVIDENDSELSS EQUITY LINKED SAVING SCHEME IN MUTUAL FUNDS
MARCH 2001 - MARCH 2016
EQUITY RETURNS
Total Investment of R24 lacs Worth Today
Croresx1.32x1.32**
INVESTED R1.5 LACS pa.
PAISA BADHAAO
*At 20% return as on 31st March, 2016 Average of 8 ELSS funds
Effective way of saving taxes through (ELSS)YOUR EARNING TAX WITH ELSS YOU SAVE
s5,00,000 s10,300 s15,450
s7,50,000 s46,350 s30,900
s10,00,000 s97,850 s30,900
s12,50,000
TAX WITHOUT ELSS
s25,750
s77,250
s1,28,750
s2,06,000 s1,59,650 s46,350
R46,350/-TAX SAVING u/s 80C
*For F.Y. 2015-16 for a resident individual in highest tax bracket.
INVEST UPTO R1.5 LACS & SAVE
PAISA BACHAAO
SMART WAY TO SAVE TAX & CREATE WEALTH
Lets see the impact of STOPPING the SIP...
SYSTEMATIC INVESTMENT PLANIN EQUITY MUTUAL FUNDS
SIP
to achieve our goals & dreams in life...START SIPWE
With believe of getting good returns and achieving our goals and dreams...CONTINUEWE SIP
Due to our sentiments and unforced adviceswithout realising its e�ect on our goals and dreams.
STOPWE SIP
R11,60,700/-R11,60,700/-Let’s see how?
You have lost...
SIP OF R10,000/- STARTED IN SEPT. 2008
^ It is assumed that value of stopped SIP grows @ 8% CAGR from August-13 to October-16.*Avg SIP Return of 105 equity funds
SIP TENURE60 MONTHS
AVG SIP RETURN*6.30%
AMOUNT INVESTEDR 6,00,000/-
RETURN VALUE^
R 7,03,700/-
SIP TENURE98 MONTHS
AMOUNT INVESTEDR 9,80,000/-
SIP STOPPED INAUGUST 2013
SIP STILLCONTINUE TILL
OCTOBER 2016...
AVG SIP RETURN*
17.64%
RETURN VALUER20,58,900/-
A successful investor has a good knowledge base, a well-defined investment plan, and nerves of steel to stick with it. - Andrew Clarke
Disclaimer: The figures/projections are for illustrative purpose only. The situations/results may or may not materialise in future. Please take proper professional advise before making any financial decisions based on above illustrations. Investments in Mutual Funds are subject to market risks. Past performance may or may not be repeated in future. Please read the offer document carefully before investing in any scheme. Any reproduction, copying and republishing of any contents including Images/Logos used in this flyer are strictly prohibited and shall attract legal action.
RETIREMENT...BE READY FOR
LET’S DETERMINE HOW YOU CAN REACH YOUR DESIRED RETIREMENT
KITTY COMFORTABLY...You will discover that retirement is the doorway to a new stage of your life, one where you control your time and your activities. Want to go to an afternoon movie in the middle of the week? You can do it!
Want to spend a couple of days watching cricket tournament? You've got the time! Want to learn to play the piano or travel abroad...
GO RIGHT AHEAD.
START EARLY+
INVEST IN RIGHT ASSET CLASS+
SAVE REGULARLY=
PEACEFUL RETIREMENT LIFE
SIMPLE, SMART & TIME TESTEDFORMULA TO ACHIEVE GOALS
ASSUMPTIONSCurrent Age
25Monthly Income
R 25,000/-Monthly
House Hold ExpensesR20,000/-
Income Growth10%
In�ation Rate7%
Rate of Return15%
Saving for Retirement7%
(Of Monthly Income)
Mr. Girish
ASSUMPTIONSRetirement Age
61Life Expectancy
85Monthly Income
NILIn�ation Rate
7%Monthly
House Hold ExpensesR 2,13,531/-
In the above example assuming Girish gets post retirement return of 8-9%, he requires retirement kitty of R 5 to 5.5 Cr. aprox.
(WITH RETURNS)
R 22,670/-
YEAR-END TOTAL SAVINGS FOR
RETIREMENT KITTY
MONTHLYINVESTMENT
R 1,750/-
MONTHLYINCOME
R 25,000/-
Mr. GirishAGE 25
(WITH RETURNS)
R 8,15,785/-
YEAR-END TOTAL SAVINGS FOR
RETIREMENT KITTY
MONTHLYINVESTMENT
R 4,539/-
MONTHLYINCOME
R 64,844/-
Mr. GirishAGE 35
(WITH RETURNS)
R 21,59,368/-
YEAR-END TOTAL SAVINGS FOR
RETIREMENT KITTY
MONTHLYINVESTMENT
R 7,310/-
MONTHLYINCOME
R 1,04,431/-
Mr. GirishAGE 40
(WITH RETURNS)
R 1,17,60,481/-
YEAR-END TOTAL SAVINGS FOR
RETIREMENT KITTY
MONTHLYINVESTMENT
R 18,961/-
MONTHLYINCOME
R 2,70,868/-
Mr. GirishAGE 50
(WITH RETURNS)
R 5,54,22,823/-
YEAR-END TOTAL SAVINGS FOR
RETIREMENT KITTY
MONTHLYINVESTMENT
R 49,179/-
MONTHLYINCOME
R 7,02,561/-
Mr. GirishAGE 60
KEEP YOUR RETIREMENT KITTY ON TRACK...
Disclaimer: Mutual Funds investments are subject to market risks. Investor are advice to read the offer documents and other risk factors carefully before investing in any scheme. Past performance may or may not be repeated in future.
MUTUAL FUNDS PROVIDE VARIOUS OPTIONS FORINVESTMENT DEPENDING UPON YOUR RISK PROFILE
EQUITYFUND
BALANCEDFUND
DEBTFUND
TO GROW YOUR MONEY
Disclaimer: The figures/projections are for illustrative purpose only. The situations/results may or may not materialise in future. Investments in Mutual Funds are subject to market risks. Past performance may or may not be repeated in future. Please read the offer document carefully before investing in any scheme.
Risk profiling is the process of finding the optimal level of investment risk considering the risk required, risk capacity and risk tolerance, where,Risk required is the risk associated with the return required to achieve the client’s goals from the financial resources available,Risk capacity is the level of financial risk the client can afford to take, andRisk tolerance is the level of risk the client is comfortable with.
*Average returns as on 30th September, 2016 of 27 Debt Funds
9.26% RETURNS IN LAST 5 YRSDEBTFUND
*Average returns as on 30th September, 2016 of 33 Mutual Funds
23.80% RETURNS IN LAST 15 YRSEQUITYFUND
*Average returns as on 30th September, 2016 of 12 Balanced Funds
19.15% RETURNS IN LAST 15 YRSBALANCEDFUND
INVEST WISELY
RISKREQUIRED
RISKPROFILE
RISKTOLERANCE
RISKCAPACITY
MUTUAL FUND IS THE RIGHT WAY TO
INVEST & GROW YOUR MONEY
WHAT IS BIGGER..?
THENWHYSTILL
INVESTIN FDs?
10 TO 11% (YIELD)
BONDSFIXED RETURN
7 TO 8% (YIELD)
FDsFIXED RETURN
APPLICATION FORM REQUIRED DEPOSIT CERTIFICATE ISSUED
CANNOT BE TRADED TDS APPLICABLE ON INTEREST PAYOUTS
INTEREST RATES IN THE RANGE OF 7 - 8% P.A.
NO FORM FILLING REQUIRED AVAILABLE IN DEMAT MODE
TRADED ON STOCK EXCHANGES NO TDS ON INTEREST PAYOUTS
INTEREST RATES IN THE RANGE OF 10 - 11% P. A.
Disclaimer: The bond yields shown above are calculated taking into account the current market prices and bond interest rates. The yields are dynamic in nature and subject to market changes. Fixed Deposit yields have been considered taking into account interest rates offered by SBI, BOB, BOI, HDFC Bank and ICICI Bank for a period of 5 to 10 years. Interest rates are subject to change at the discretion of banks. Past performance is not necessarily indicative of future results. Please read the bond prospectus carefully before investing.FIXED RETURN
Invesco India Contra Fund - Gr Kotak Select Focus Fund - GrMirae Asset India Opportunities Fund - GrMotilal Oswal MOSt Focused Multicap 35 Fund - GrSBI Magnum Multicap Fund - GrMARS Equity Portfolio (E100)NIFTY 500
1.291.652.582.512.612.131.34
1Month
3Months
6Months
12Months
4.974.284.035.362.854.302.24
15.6518.9817.4320.2316.1517.6813.74
15.0116.4616.1718.5717.5216.0311.01
Since Inception
28.2826.4725.08
NA27.9426.8217.18
EQUITY SCHEMES PERFORMANCE
DSP BlackRock Money Manager Fund GrKotak Equity Arbitrage Fund - DivReliance Arbitrage Advantage Fund - DivBNP Paribas Short Term Income Fund - GrTATA Short Term Bond Fund Regular Plan - Gr
0.500.460.490.740.62
1.781.741.722.402.15
3.803.453.435.094.72
7.506.546.358.928.59
8.187.837.609.189.40
1Month
3Months
6Months
12Months
Since Inception
Performance as on 28 Oct 16, Inception Date 16 Dec 13Returns for one year or less period are on an absolute basis and for more than a year period are on CAGR basis Dividends are assumed to be reinvested. Past Performance may or may not sustain in the future.Performance for 1 month is between 30 Sep 2016 and 28 Oct 2016
DEBT SCHEMES* PERFORMANCE
PORTFOLIO PERFORMANCE
MUTUAL FUND AUTOMATED PORTFOLIO REBALANCING SYSTEM
MARSMARS
Give WINGS to yourInvestments...
Every investor while investing wishes to maximise his returns while minimising his risk.
MARS (Mutual Fund Automated Portfolio Rebalancing System) tries to overcome these issues for investors whereby they can manage their asset allocation and invest in better performing schemes by the click of a mouse and maximise their returns. As the process is system driven and operationally smooth, it also helps weed out behavioural biases. MARS gives a wide array of portfolios to choose from to the investor based on his risk appetite and periodically triggers portfolio rebalancing based on deviations from the asset allocation of the model portfolio resulting in superior returns to the investor over a period of time.
Disclaimer: Mutual Fund investments are subject to market risks. Investors are advised to read the o�er documents/scheme related documents and other risk factors carefully before investing in any scheme. The past performance of a scheme is not indicative of its future performance. Investors are advised to take advice of experts before making any investment decisions.
GO MOBILE.GO DIGITAL.
GO PAPERLESS.
OLD NEWNOW MANAGE YOUR WEALTH THROUGH MOBILE
PRESENTINGNJ E-Wealth account is a comprehensive platform where you can view your entire wealth at a single place, be it in Mutual Funds, Direct Equity, ETFs, IPOs, Bonds together with their current valuation. Not only that you can also transact from anywhere in the world in all these products and buy, sell or switch your investments in any product simply through your computer or smart phone.*Source: http://brandequity.economictimes.indiatimes.com/news/digital/smartphone-users-spend-169-mins-per-day-on-their-devices-vserv/48285161
SMART-PHONE USERS IN INDIA, ON AN AVERAGE,SPEND 169 MINS PER DAY* ON THEIR MOBILE.
GO PAPERLESS. GO DIGITAL.
EASY PROCESS OF TRANSMISION
Shortest Transmission Process
AUTO TRANSACTION ALERTS
SMS/Email alerts for transaction done
CONVENIENT & SECURED PAYMENT OPTIONS
Debit CardNet BankingRTGS / NEFTAuto Debit / ACHCheques
INNOVATIVE TRANSACTIONS
Inter AMC Switch/STPMutual Fund Automated Rebalancing System (MARS)SIP in Equity Shares
COMPREHENSIVE REPORTS
Transaction reportValuation reportProfit & Loss report
SINGLE CONTACT POINT FOR ANYMODIFICATION/CHANGES
One time registration for all changes
CENTRALISED CUSTOMER CARE
All query solutions at single pointCall 1800 200 0155
NJ E-Wealth Account Facilities
Transactions
Buy
Sell/Redeem
SIP
SWP
SIP in Equity Shares
Inter AMC Switch
NJ MARS
Inter AMC STP
MF
YES
YES
YES
YES
NA
YES
YES
YES
IPO
YES
YES
NA
NA
NA
NA
NA
NA
Capital Market
YES
YES
YES
NA
YES
NA
NA
NA
ETF
YES
YES
YES
NA
YES
NA
NA
NA
NJ E-Wealth Account Features
EASY & MULTIPLE MODES OF TRANSACTIONS
ONLINE MOBILE APP OFFLINE* ON PHONE* (CALL)0261 - 3987500
*Terms & conditions applicable.
E-WEALTH AC
Download Mobile Application
APPLE(App Store)
BLACKBERRY(App World)
ANROID(Play Store)
PURCHASE - SWITCH - SIP - SWP - STP - REDEMPTION
DO YOU KNOW IT TAKES LESS THAN 2 MINUTESTO DO A MUTUAL FUND TRANSACTION?
ROLE OF A WEALTH PLANNERIN YOUR LIFE...
Disclaimer: All data/information mentioned in this publication is taken from various sources and are approximate in nature and we do not take any responsibility or liability and neither 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. Any reproduction, copying & republishing of any contents including Images/Logos used in this booklet are strictly prohibited and shall attract legal action. Any reproduction, copying and republishing of any contents including Images/Logos used in this booklet are strictly prohibited and shall attract legal action.
The role of a WEALTH PLANNER is to look at all aspects of your lifestyle, goals andrequirements and develop a financial strategy that will suitable for you. The recommended strategywill help to achieve your goals effectively and efficiently. WEALTH PLANNER concentrates on the
task of providing “sound strategic” and “technical advice” on an ongoing basis. As a professional WEALTH PLANNER, we regularly review your financial strategy with you to ensure that
all such changes are incorporated. As a WEALTH PLANNER we ensure that your financialstrategy is always consistent with your goals and WEALTH CREATION.