In this presentation, I have described major Bank schemes that will help you to invest your money and I also mentioned about Investment 70% rule.

1. DEPOSIT SCHEMES
AND INVESTMENT
By Neeraj Agrawal

2. Which scheme is
better and more
profitable?
Which one has
higher risk and how
should we select?

3. FIXED
DEPOSIT
RECURRING
DEPOSIT
AUTOSWEEP
PUBLIC
PROVIDENT
FUND

5. One time deposition, no instalments.
Interest Rates can go as high as 9% pa.
Tax is deducted from your deposit money.

7.  Fixed amount of money (can be as low as
Rs. 10) is deducted every month from you
account.
 Helps us to limit our regular expenses.
 Interest Rate ranges between 7% to 9.5% pa.

8. AUTO SWEEP

9. SAVING
ACCOUN
T
AUTOSWEEP
ACCOUNT
OUR SAVINGS
 Earning on the amount, which is not being
used, for a specific period.
 Easy withdrawals.
 Appreciable Interest Rates.

11.  Controlled by Government.
 TAX free and for long term
investment (can’t withdraw
before 15 years).
 Interest Rate is 8.7% which is
compounded annually.

13. 100
110
121
133.1
146.4
1
10
11
12.1
13.31
14.64
1
110
120
130
140
150
COMPOUNDINGISEXPONENTIAL

14. With Compounding Without Compounding
100000 100000
110000 110000
121000 120000
133100 130000
146410 140000
161051 150000
177156.1 160000
194871.71 170000
214358.881 180000
235794.7691 190000
259374.246 200000
285311.6706 210000
313842.8377 220000
345227.1214 230000
379749.8336 240000

16. 30% of your income must be used for Monthly Living Expense.
30% of your income must be used for Liabilities Repayments.
30% of your income must be Saved and Invested for your future.
10 % of your income should be used for Entertainment Purpose.
6 months expenses must be available for Emergency Fund.

17. Home Loan must be joint both husband and wife name to avail
benefits.
Property must be registered on both husband and wife name.
Mediclaim is must.
Keep all family members informed of all the financial
documents.
Review your portfolio at every six months.