This document discusses wealth creation and retirement planning. It begins by highlighting Wealth First's credentials as an investment advisory firm, including their experience, client assets under management, and team size. It then discusses important considerations for investment planning like safety, liquidity, taxation, expenses, and returns. The document provides examples of retirement planning through systematic investment plans at different expected returns. It also shares equity mutual fund return data over different time periods. Overall, the document provides an overview of Wealth First's approach and credentials, as well as examples and data related to long-term investment and retirement planning.

1. Winner of ALL INDIA Best Financial Advisor Award BY CNBC
Ahmedabad | Pune
Rendezvous

2. Simple way of wealth creation with safety

3. “A Penny saved is a penny earned”

4. “A Penny saved is a penny earned”
Not Anymore

5. Embark on the journey from a Saver
to an Investor

6. The Financial Pyramid

7. Time
Skillset
Experience
investment coach/advisor
Why does
Sachin
Tendulkar,
Novak
Djokovic,
Roger Federer
need a coach?
Similarly all
investors
need an
advisor
because …
A financial plan is a
roadmap to achieving our
financial and life goals. It
takes lot of focus and
discipline to stick to it.

8. Earlier Scenario - 80: 20 phenomena
40 Working years
(age 20 to age 60)
10 Retirement years
(age 60 to age 70)
Age 20 Age 60 Age 70
 During working years savings were high
 Life style was simple
 Additional expenses like mobile, cinema,
holiday tours, cable, etc. were not there
 Fuel expenses were less
Savings
Joint family
Pension

9. Today’s Scenario : 50-50 phenomena
30 Working years
(age 25 to age 55)
30 Retirement years
(age 55 to age 85)
Age 25 Age 55 Age 85
 During working years expenses are high
 Life style maintenance cost is high
 Additional expenses like mobile, cable,
cinema, holiday tours, etc..
 Fuel expenses are high
 Savings are less
 Nuclear Family
 No Pension
 High Medical cost
 No Medicare
 High cost of living

10. Non - Negotiables
Risk Instrument
Life cover for income replacement Term Plan Policy
Medical need Mediclaim
Personal Accident PA policy
Tax saving instruments u/s 80C, 80CCD (1B)
 Public Provident fund
 Fixed Deposit
 Insurance
 Equity Linked Saving Scheme
 National Pension Scheme

11. Equities
have
historically
proven to
provide by
far a better
return on
investment
in
comparison
to the
traditional
alternatives.

12. Gold Price movement
10 years of Gold Price data

13.  5 commandments of Equity investment
1. Do not Borrow.
2. Do not put all investment in one sector.
3. Do not invest all money in one day - Staggered.
4. Invest only that money which is not required at least for 3 years.
5. If market goes down by 30%, Be prepared for that. It should not affect your
personal & professional activity.

14. Power of Compounding
The longer the period of your investment, the more you
accumulate, because of the power of compounding... which is why it makes
sense to start investing early. As illustrated in the graph below you can see
the power of compounding if you start early :

15. Major events VS Sensex performance

17. This is very Interesting data, how Sensex swings in a year & how much drawn down every calendar year. If
someone invested in Sensex SIP, how much XIRR it generates. One thing is very clear though volatile, most of the
time market is positive.
Sensex History

18. TAX SAVER FUND VS PPF
Period
Amount Deposited
Every Year
PPF Invesments Tax Saver Fund
Sensex
Rate of Interest Valuation in PPF NAV Valuation
29-Mar-96 70,000 70,000 10 70,000 3,367
31-Mar-97 70,000 12.00% 1,48,400 9.04 1,33,280 3,361
31-Mar-98 70,000 12.00% 2,36,208 12.4 2,52,818 3,893
31-Mar-99 70,000 12.00% 3,34,551 19.85 4,74,712 3,740
31-Mar-00 70,000 11.00% 4,41,357 41.56 10,63,906 5,001
30-Mar-01 70,000 9.50% 5,53,280 15.72 8,83,054 3,604
28-Mar-02 70,000 9.00% 6,73,078 19.86 11,85,614 3,469
31-Mar-03 70,000 8.00% 7,96,922 18.64 11,82,782 3,049
31-Mar-04 70,000 8.00% 9,30,678 40.12 26,15,964 5,591
31-Mar-05 70,000 8.00% 10,75,130 67.56 44,74,557 6,493
31-Mar-06 70,000 8.00% 12,31,146 131.22 87,61,526 11,280
31-Mar-07 70,000 8.00% 13,99,636 133.88 90,09,063 13,072
31-Mar-08 70,000 8.00% 15,81,608 152.02 1,02,99,589 15,644
31-Mar-09 70,000 8.00% 17,78,133 97.06 66,46,167 9,901
31-Mar-10 70,000 8.00% 19,90,387 205.68 1,41,53,400 17,692
31-Mar-11 1,00,000 8.00% 22,49,622 232.9 1,61,26,560 19,445
31-Mar-12 1,00,000 8.60% 25,43,089 223.7 1,55,89,530 17,478
31-Mar-13 1,00,000 8.80% 28,66,881 225.33 1,57,13,880 18,836
31-Mar-14 1,00,000 8.70% 32,16,300 276.79 1,95,12,180 22,386
31-Mar-15 1,50,000 8.70% 36,46,118 398.16 2,82,18,242 27,957
31-Mar-16 1,50,000 8.70% 41,13,330 354.03 2,52,40,198 25,342
31-Mar-17 1,50,000 8.10% 45,96,510 469 3,35,86,864 29,621
31-Mar-18 1,50,000 7.78% 51,04,118 503.37 3,61,98,229 33,255
29-Mar-19 1,50,000 8.00% 56,62,448 528.73 3,81,71,912 38,673
31-Mar-20 1,50,000 7.10% 62,14,481 355.76 2,58,34,261 29,468
31-Mar-21 1,50,000 7.10% 68,05,710 584.25 4,25,76,543 50,030
31-Mar-22 1,50,000 7.10% 74,38,915 746.42 5,45,44,495 58,568
30-Sep-22 26,50,000 80,34,028 765 5,59,19,397 56,410
CAGR (%) 8.46% 20.13%

19. Any Day is Good Day – MF Returns
SCHEME NAME INCEPTION DATE
NAV AS ON
BASE DATE
CURRENT
NAV
INCEPTION
RETURN
Franklin India Bluechip Fund 1-Dec-93 10 692.13 19.42
SBI Magnum Global Fund 30-Sep-94 10 289.21 14.61
HDFC Top 100 Fund 11-Oct-96 10 722.48 18.91
ICICI Prudential Large & Mid Cap Fund 9-Jul-98 10 563.47 18.15
ICICI Prudential Technology Fund 3-Mar-00 10 130.51 12.09
Quant Tax Plan 1-Apr-00 10 239.89 15.22
Quant Mid Cap Fund 9-Mar-01 10 131.46 12.73
Quant Active Fund 21-Mar-01 10 434.65 19.21
Kotak Equity Opportunities Fund - Regular Plan 9-Sep-04 10 204.44 18.26
Kotak Small Cap Fund - Regular Plan 24-Feb-05 10 167.67 17.45
Kotak Emerging Equity Fund Regular Plan 30-Mar-07 10 76.86 14.12
Invesco India Growth Opportunities Fund 09-Aug-07 10 52.03 11.56
Mirae Asset Large Cap Fund - Regular Plan 4-Apr-08 10 78.24 15.33
SBI Small Cap Fund 9-Sep-09 10 113.31 20.55
Mirae Asset Emerging Bluechip Fund - Regular Plan 9-Jul-10 10 96.32 20.48
Parag Parikh Flexi Cap Fund - Regular Plan 28-May-13 10 47.97 18.43
PGIM India Midcap Opportunities Fund - Regular Plan 2-Dec-13 10 45.23 18.81
PGIM India Flexi Cap Fund - Regular Plan 4-Mar-15 10 25.46 13.26
Mahindra Manulife Mid Cap Unnati Yojana - Regular Plan 30-Jan-18 10 17.95 15.35
Mirae Asset Focused Fund - Regular Plan 15-May-19 10 18.74 20.94
Mirae Asset Midcap Fund - Regular Plan 29-Jul-19 10 21.66 28.33
Mahindra Manulife Focused Equity Yojana - Regular Plan 17-Nov-20 10 15.55 27.92
Quant Quantamental Fund - Regular Plan 27-Apr-21 10 12.83 20.29

20. Retirement Target : 1 Crore
Your Current Age
Time Left to
Retirement
(A) Monthly Systematic
Instalment
EMI @ 15% p.a.
(B) Monthly Systematic
Instalment
EMI@ 12% p.a.
C) Monthly Systematic
Instalment
EMI @ 10% p.a.
25 35 Rs.681 Rs.1,555 Rs.2,634
30 30 Rs.1,444 Rs.2,861 Rs.4,424
35 25 Rs.3,083 Rs.5,322 Rs.7,537
40 20 Rs.6,679 Rs.10,109 Rs.13,169
45 15 Rs.14,959 Rs.20,017 Rs.24,127
50 10 Rs.36,335 Rs.43,471 Rs.48,817
55 5 Rs.1,12,899 Rs.1,22,444 Rs.1,29,137
59 1 Rs.7,77,583 Rs.7,88,488 Rs.7,95,826
RETIREMENT PLANNER

21. SIP / STP >>>> SWP
RETIREMENT BENEFIT-
SWP BENEFIT
Ways Of Investing In Mutual Funds

22. MONTHLY INVESTMENT AMOUNT Rs1,00,000
EXPECTED END VALUE OF YOUR MONTHLY INVESTMENT OF
EXPECTED
RETURN
NUMBER OF YEARS
5 10 15 20 25 30
COST Rs.60,00,000 Rs.1,20,00,000 Rs.1,80,00,000 Rs.2,40,00,000 Rs.3,00,00,000 Rs.3,60,00,000
10.00% 77,43,707 2,04,84,498 4,14,47,035 7,59,36,884 13,26,83,340 22,60,48,792
12.00% 81,66,967 2,30,03,869 4,99,58,020 9,89,25,537 18,78,84,663 34,94,96,413
15.00% 88,57,451 2,75,21,706 6,68,50,676 14,97,23,948 32,43,52,962 69,23,27,961
Sip is a good approach to stay
disciplined when it comes to investing

23. Equity MF Returns
Scheme Name
Average Returns (%) Calendar Year %
6M 1Y 2Y* 3Y* 5Y* 7Y* 10Y* 2021 2020 2019 2018 2017 2016 2015
Large cap 0.5 (4.6) 23.9 13.6 10.6 11.2 12.9 26.4 14.0 11.8 (1.8) 31.5 0.7 41.8
Large & Mid Cap 1.9 (1.5) 28.6 17.3 11.5 12.9 15.1 37.4 16.0 8.6 (7.2) 38.3 4.6 51.6
Mid cap 4.3 1.7 33.1 22.3 12.4 13.7 17.7 44.5 23.3 2.2 (12.0) 43.8 8.2 72.1
Small cap 3.6 2.8 39.9 28.6 14.1 15.6 18.7 62.8 29.1 (1.8) (17.3) 50.1 10.3 77.7
Focused 1.2 (3.1) 25.9 17.7 11.4 12.3 14.6 32.0 16.5 11.4 (6.8) 36.6 3.2 52.6
Multicap 2.8 (0.6) 32.7 21.2 13.4 13.7 16.1 43.2 15.6 6.2 (6.6) 39.8 4.0 57.4
Flexicap 0.7 (3.4) 26.1 16.0 11.3 12.4 14.1 32.8 17.6 9.7 (4.5) 35.7 1.8 51.4

24.  Wealth First, promoted in 1992, is an independent Investment Advisory Firm
Focused on “Treasury and Wealth Solutions”
 Advise/ Manage Assets in excess of Rs.8,000 Crores across Corporates, Family offices, Provident Funds, Trusts & HNIs
 Team of 20 client-focused investment professionals with relevant experience of 300+ years
Core Team unchanged since inception
 Team strength of over 70
 Wealth First does not follow a “one-shoe-fit-all “policy, but there are a few protocols which we follow for all our clients
across the stratum. These being of Safety – Liquidity- Taxation- Expenses – Return (a function of the previous
four)
Our endeavour is to understand his needs, risk appetite, risk tolerance both communicated and perceived, cash flow
requirement etc.
 After knowing and understanding all of this we make an Asset allocation for the client what we adhere to monitor and
follow on an ongoing basis. How we differentiate ourselves from others is, our IPS or Solutions come in after the client
needs are communicated understood (both explicit and latent) and not before that.
 We always believe in simple vanilla easy to understand (by the investor) solutions. Only an exclusivity of the product
does not make it a good product. Something, which is not easy to monitor if the risk or cost is high, or the lock-in is
longer, then that product’s return should also be better than that which are otherwise available
 Past achievements including winning the prestigious CNBC – TV 18 award for India’s Best Investment Advisor in the IFA
segment
 Wealth First broke a big glass ceiling - an IFA’s practice was not only corporatized but was taken to the market, thereby
became the first Independent Financial Advisor in India to list practice on a stock exchange(NSE) on 30th March,2016
About us : Inclusive Services, Exclusive Advisory

25. Wealth First Mantra
We always believe in
simple vanilla easy to
understand (by the
investor) solutions. Only
an exclusivity of the
product does not make it a
good product.

26. Wealth First Differentiators, We always act what we
preach
Irrespective of any situation, there are some things we have always
stayed away from and protected our clients interest.
 No CRB – no defaults
 No F&O – believe it’s a weapon of mass destructions
 No Intraday Trading
 No Real Estate
 No Close ended Fund – Structured Products
 No NFO’s
 No NSEL
 Not a single client had investments in the large MF debt crisis of
2020.
 All of this sums up to not loosing a single client
 Catering all Asset Class from PPF, NSC to LIC PMVVY to our All
set of clients to get all products under one Roof
“Strong Management Team with
rich Industry experience”
“To have knowledge is one thing
& to have the courage to use it in
favor of the clients interests is
another”

27. Unearthing the gems before they get their
name
Franklin India Prima
Nippon India Growth Fund
Aditya Birla SL Flexi Cap
Sundarm Midcap
Mirae Asset Emerging
Bluechip
Axis Midcap
Quant Smallcap
PGIM Midcap Opp.
01/01/1990
24/06/1995
14/12/2000
06/06/2006
27/11/2011
19/05/2017
09/11/2022
1 2 3 4 5 6 7 8

28. Fixed Income investment : (SLTER)
 S – Safety : Protection of capital
 L – Liquidity : Anytime liquid, tradable
 T – Taxation : To be considered for better return
 E – Expense : Plays an important role
 R – Return : It’s a by-product of above all
 Accordingly, we recommend to invest in selected bonds such as RBI Bonds, Central
Government and State Government Bonds, AAA rated selected PSU as well as
Private companies bonds for regular interest cash flow along with capital safety.
 We also recommend to invest in selected bond funds for tax efficient return above 3
years investment horizon.
Choosing the right investment for you:
Fixed income oriented investment :
keeping capital preservation as a prime Dictum

29. Credit Rating
universe
AAA
PSU PVT
Sovereign
Debt Avenues
Interest bearing
(for steady cash flows)
PVT/PSU Taxable
Bond
PSU Tax free
Bonds
GOI / SDL
Non Interest bearing
(interest reinvested & tax efficient )
Target Maturity
Funds
Bifurcating the Available Debt Options :

30. Avenues
Investment
years
Indicative
Yield (%) Safety Liquidity Taxation
Indicative
Post Tax
Returns (%)
Rationale
Financial Co.
(Fixed
Deposit)
1 – 5 years 7.25%
AAA
rated
Prematur
e
withdraw
alpossible
at a cost
Interest
income :As
per applicable
tax slab
5.08%
To reduce the duration of the
portfolioFund can be used to
grab an opportunity available
in the mean time
Taxable Bonds
(SDL / G-sec /
PSU, Private) 10-15 years
7.50% -
7.75%
Sovereig
n
Tradable
Interest
income :As
per applicable
tax slab
*LTCG / STCG
5.25% -
5.425%
 Sovereign / AAA rated
bonds
 Semi annualised /
Annualized regular
income
 Govt Guaranteed
Securities (SDL & G-sec)
/ PSU , Private companies
bond
Debt Mutual
Funds (Index
Funds) 5-7 years 7% - 7.60%
Sovereig
nand
AAA
rated
PSU
Bonds
Redeemab
le
STCG: As per
income tax
slab,(below
36 months)
LTCG: 20%
after
indexation
(above 36
months)
6.50%-7%
 Minimal credit risk
 Underlying investment in
SDL & PSU
 Indexation + tax
benefit (@ 20%)after
holding for more than
3 years
DEBT AVENUES

31. • Before selecting, any fund there are a few parameters and some rationale, which we keep in
mind and on an ongoing basis monitored and tracked. Both Qualitative & Quantitative
1. AMC's philosophy & outlook as an Equity Fund House
2. Scheme Performance in rising and falling market
3. Fund Size of the Scheme ( in most cases we prefer to have a low to midsized fund depending on the
category)
4. Understand fund Manager’s stock selection & monitoring parameters , also try to understand his
earning expectation from the portfolio
5. Current Portfolio Holding, Quality of stocks and overlapping with Other same category Schemes
6. Other factors like Alpha, Standard deviation , P/E of portfolio & Average churning are also looked at
 We believe that India is an under researched market that active fund managers have a lot of
opportunities to generate alpha than doing indexing. For the same instead of investing in just large
cap funds we like to take the exposure of large cap through Multi cap/Flexi cap/Large & mid kind of
funds. By doing this the fund manager gets a leeway to invest in large caps only when justifiable and
not by mandate.
 We do not recommend over diversification of funds. For large cap funds we can invest in an Index
fund while for Small and Mid we can use the fund manager’s expertise. We believe to optimize
return of the risk taker while investing in equity.
Our Recommendation Rationale for Equity Mutual Fund

32. Equity
Avenue
Direct
Equity
Listed
Shares
Private
Equity
Managed
Equity
Equity
Mutual
Funds
PMS AIF
Venture
Capital
Funds
Bifurcating the Available Equity Options :
Our Recommended options : Shares, PMS & Equity Mutual Funds.

33. Other than Equity Mutual Fund
• Other than Mutual Funds there equity vehicles like PMSs, AIFs, PE Investments, VCs..
• One of the shortlisted PMS is the Small Cap PMS of Equirus. We recommend this for 5-7 years with a very long
term view
The rationale for investing in very selected managed equity funds is being able to have an exposure in something
which is not possible with a open ended Equity Mutual Fund.
Otherwise handsome, consistent, cost & tax efficient long term returns have been generated by investing only in
Mutual Funds.

34. Guaranteed
Tax Free Income
XIRR : *6.00%TO 6.71%+*Tax Free
Long Term debt allocation-
Hdfc sanchay plus

35. Age 40
Sr. No.
Policy Start
Date
Premium
Amount
(INR)
Premium
Paying Term
(Yrs)
Policy Term
(Yrs)
Annual Payout
(INR)
Cash Flow
Start Date
Number of
Cash Flows
XIRR (%)
Equivalent
Pre Tax (%)
Cash Flow
Start Year
Cash Flow End
Year
1 01-Oct-22 10,00,000 5 6 3,85,000 01-Oct-29 25 5.58% 9.73% 47 72
2 01-Oct-22 10,00,000 6 7 5,04,500 01-Oct-30 25 5.84% 10.18% 48 73
3 01-Oct-22 10,00,000 7 8 6,49,500 01-Oct-31 25 6.15% 10.72% 49 74
4 01-Oct-22 10,00,000 8 9 7,78,000 01-Oct-32 25 6.20% 10.80% 50 75
5 01-Oct-22 10,00,000 9 10 9,20,500 01-Oct-33 25 6.26% 10.91% 51 76
6 01-Oct-22 10,00,000 10 11 10,85,000 01-Oct-34 25 6.35% 11.08% 52 77
7 01-Oct-22 10,00,000 11 12 12,60,000 01-Oct-35 25 6.43% 11.20% 53 78
8 01-Oct-22 10,00,000 12 13 14,42,500 01-Oct-36 25 6.46% 11.27% 54 79
Ideal 9 01-Oct-22 10,00,000 10 12 12,17,500 01-Oct-35 30 6.71% 11.69% 53 83
Equivalent Pre Tax Cash Flow Calculated at 42.63%. (At highest Tax Bracket)
Hdfc sanchay plus-Product Summary

36. Cash Flow of HDFC Life
HDFC Sanchay plus - Long Term Income
Age Year Contribution Remarks
41 01-Sep-22 -25,08,000
Premium Paid
42 01-Sep-23 -24,54,000
43 01-Sep-24 -24,54,000
44 01-Sep-25 -24,54,000
45 01-Sep-26 -24,54,000
46 01-Sep-27 -24,54,000
47 01-Sep-28 -24,54,000
48 01-Sep-29 -24,54,000
49 01-Sep-30 -24,54,000
50 01-Sep-31 -24,54,000
51 01-Sep-32 0
Cooling Period
52 01-Sep-33 0
53 01-Sep-34 0
54 01-Sep-35 29,22,000
Guaranteed Payout
" " "
" " "
82 01-Sep-63 29,22,000
83 01-Sep-64 29,22,000
83 01-Sep-64 2,40,00,000 Return of Premium
POST TAX XIRR 6.71%
PRE TAX XIRR 11.69%

37. Systematic Withdrawal plan (swp) :
A systematic withdrawal plan (SWP) is a facility which allows you to withdraw a fixed amount from your mutual fund at
regular periodic intervals.
• Flexibility
• Regular Income
• Capital appreciation

38. Swp Working :
1) If SWP Starts immediately ;

39. 2) If SWP Starts after 5 years ;

40. Succession Planning
• There is no success without a successor

41. Types of Assets
Physical Assets
Financial Assets
Digital Assets
Intangible Assets – Goodwill / USP/IP
Unknown Assets

42. “Simple Process Expert Wealth”
ThankYou