A special News letter by Seeman Advisors on personal finance and good investing. Read our January issue

1. Hello Readers,
Wish you a very Happy New Year. As you know 2020 was really bad for Health
, but by its end it proved to be very good for Wealth ! Yes, as we entered this
new year of hope and optimism, NIFTY already crossed 14000 and SENSEX
crossed its 48000 mark. A lifetime High !
We have been getting hundreds of queries and questions at this juncture and
the key one is : “ Should we buy, Sell or Hold our equities at this point ?
I really don’t want to give an analytical answer to this but would certainly like
to give an one line advice to all my readers – Buy right and Sit tight ! If you are
invested in good business through a diversified Equity Fund, then feel
confident and hold your fear for a better future.
Frankly speaking, worst is now behind us ! World over, governments are
trying to pump in liquidity to control unemployment and fiscal crisis, we see a
sure sort improvement in trades. Only thing we need to understand here is –
how does these business cycle will change post COVID scenario ? Which
sectors or which businesses will grow faster and stable from here ?
We will keep you posted with our information and studies regularly on your
registered E mails and mobiles. Meanwhile read our first issue of the year 2021
and give us your feedback
INSIDE
1 Investment Gyan
2 Case Story
3 Market
Indicators
4 Q & A
fromeditor'sdesk
Ashis Kr Dey , MD, Seeman Distributors
INTOUCH
JANUARY 2020: ISSUE 113
M o n t h l y N e w s l e t t e r b y S e e m a n D i s t r i b u t o r s - R e d e f i n i n g P e r s o n a l F i n a n c e

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TEAM

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CHAPTER1
INVESTMENTGYAN
-
India's life expectancy rises to 68.7
years : National Health Profile 2019
Life expectancy in India has increased from 49.7 years in 1970-75 to 68.7 years in
2012-16, as per the National Health Profile 2019 released on Wednesday.
For the same period, the life expectancy for females is 70.2 years and 67.4 years for
males.
For comparison, in last year's survey, the life expectancy had increased from 49.7
years in 1970-75 to 68.3 years in 2011-15. For the same period, the life expectancy
for females is 70 years and 66.9 years for males. So there has been an increase in
life expectancy in general, and also for males.

4. What does that means in terms of Finances ?
It means that earlier we use to have larger work life and smaller retirement life,
but now we have larger retired life as compared to work life. See the table below :
As you see, that the change in
life expectancy age has
changed the whole financial
requirements after
retirement.
Current generation is more
vulnerable to Corpus shortfall
during their retired life. So
while calculating your Future
Value of retirement corpus ,
you need to consider your life
expectancy on higher side-
atleast 80 years i.e around 30
years of post retired life !
You need to be better
prepared for your retired
life , in terms of savings to
feed your monthly
expenses.
In view of longer retired
life and increasing
inflation, you need to save
adequately for your happy
retirement
Contd.....

5. See the table below to see what will be the desired retirement
corpus for the current generation individuals ( including inflation
@ 6% p.a)
In this issue of our News letter, we have prepared a ready
reckoner sheet to help you plan adequately for your Retirement .
Please refer to the table given on next page :

6. NOTE: Above Calculation is given assuming Returns on Invest @ 12% P.a.
Disclaimer: Mutual Fund investments are subject to market risks, read all scheme related
documents carefully. The NAVs of the schemes may go up or down depending upon the factors
and forces affecting the securities market including the fluctuations in the interest rates. The past
performance of the mutual funds is not necessarily indicative of future performance of the
schemes. The Mutual Fund is not guaranteeing or assuring any dividend under any of the
schemes and the same is subject to the availability and adequacy of distributable surplus.
Investors are requested to review the prospectus carefully and obtain expert professional advice
with regard to specific legal, tax and financial implications of the investment/participation in the
scheme.
All the data presented above are collected from our internal cient survey and feedback. You may
agree or disagree with the facts and figures presented above ,hence we do not entertain any
debate or challenge on the discussed subject

7. Rekha is our star in this month’s case story !
Her story is very special and inspiring for every
individual investors, specially the Housewives!
The story goes back to 2003 when Rekha, Aged
26 Yrs, got married to Anuj , Aged 28 Yrs. Anuj
being a self-made man, was struggling in his
initial days of his Sales Career. With a smaller
salary Income, Anuj could not start with any
savings habit till the Age of 35-36 . And with
Kids coming into their life, Savings got pushed
away further. So technically Anuj never focused
on savings till the age of 43 years.
CHAPTER2:
INSPIRINGSAVINGSHABITOF
REKHA,AHOUSEWIFE"

8. Contrary to this , Rekha always use to save some amount from her monthly
household expenses . Her inherited theory of ‘Gullak’ savings, always kept her self
motivated and passionate about wealth creation. She never used the chance to
create a savings opportunity from her every day purchases and other expenses , like-
whenever Anuj took her for an outing, she would prefer to choose the food, place or
items which are affordable. She always followed the principal of
‘ Earnings – Savings = Expenses’
On the recommendation of her
father, a Veteran Mutual Fund
investor, Mr Sekhar Dandi , she
opened a SIP in a Midcap
Opportunities Fund ( XYZ
Midcap Fund – Gr) , on 7th
August 2007. Without
informing Anuj, she started this
monthly SIP ( Systematic
Investment Plan) in XYZ
Midcap Opportunities Fund –
Gr, with Rs 2000 per month
Around two months back when Anuj planned to buy a new Flat of his own , he
was falling short of some cash down amount to avail his loan entitlement. That
was the moment when Rekha disclosed her secret savings amount which was
accumulated in the XYZ Fund SIP since August 2007
Just see the table below to see what was the accumulated funds on 16th Nov
2020, when Rekha liquidated her SIP :

9. Amazing ! Isn’t it ? What is the take away from this Case story ?
The volatility ride : If you see the graph of funds journey during Rekha’s SIP tenure,
you will find many ups and down moments. Such moments are called as ‘Volatility’ .
Generally, investors leave the fund during such volatile times due to fear or due to
greed. Rekha was rock solid with her determination to buy units regularly ; may be
because of her fathers experienced advice or may be because she was focused on
savings instead of trading. So the key learning here is :
1. Don’t get into the fear or Greed trap when you are invested through SIP. It works
the best when there is a degree of volatility in the price.
2. SIP works on the principal of Compounding. Longer is better !
I personally am very much inspired by Rekha’s savings habit and investment strategy;
hence I shared this story with all my readers here.
# Note : The Mutual fund Scheme shown above and the figures shown above are all real .
We have just changed the name to a dummy one for compliance purpose.
As on 16th Nov 2020 : Worth of Investment = Rs 9,76,000/- against an
investment of Rs 3,20,000/-
Rs 2000 per month 7th Aug 2007 16th Nov 2020

10. CHAPTER3
Market Indicators

13. Q&ACORNER
Questions Posted on our Social Media
FB/justinvest | Linkedien/justinvest
As you know mutual Fund do not guarantee any
returns, hence you have to assume a ROI on your
own, to make such calculations. I am using a 12% p.a
ROI, just for the sake of calculation and presentation.
CAMS is a RTA - Registrar & Transfer Agent for
various Mutual Fund schemes which we distribute.
They are the main point of information about all
your units and transactions
We use the mail backs from CAMS and import in
our secured server/database and provide you free
access to all your Reports via
'www.seemanadvisors.com' .
You can access all your portfolio status, Taxation
Reports, SIP Reports, online transactions and many
more by a simple login to our website -
www.seemanadvisors.com
You can even download our mobile application in
the name of 'seemanadvisors' , to get the one click
access to all your investments done through us
In response to your question, I want to ask you one
thing - 'What will you do or where will you invest , if
book your profit ? Being a Mutual Fund Distributor,
we strongly believe in 'INVEST RIGHT & SIT TIGHT' !
So just evaluate your scheme Vs your Risk suitability
and remain invested till when you don't need funds
Q : Equity Markets have started doing well;
should I book profit at this juncture ?
Q : Who is CAMS ? Why they send me the
Account Statements when I have invested
through you ?
Q : WHAT CAN BE MY FUND VALUE IF I INVEST
RS 10000/- PER MONTH IN A GOOD EQUITY MF ?
9433457496
growth@seemanadvisors.com
www.seemanadvisors.com
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