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Goal Achievement Program with Mutual Fund Investment
1. THERE ARE IMPORTANT FINANCIAL GOALS IN LIFE
GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIP’S
GAPGAP
CHILD’S
MARRIAGE
Good plans shape good decisions. That's why good
planning helps to make elusive dreams come true.
Geoffrey Fisher
YOUR OWN
RETIREMENT
To enjoy a long,
comfortable retirement, save more today.
Suze Orman
CHILD’S
HIGHER EDUCATION
The one thing we can do is invest in the quality
of education, especially higher education.
Ron Kind
2. GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIP’S
GAPGAP
Dear Investors,
NJ GAP is an idea to help you achieve your long-term goals at
the right time by investing systematically in the right avenues
through Systematic Investment Plan (SIP). NJ GAP helps you
direct your savings to meet the goals, obligations & dreams
like buying a house, higher education, marriage, retirement,
luxury etc. and enjoy life. We believe that with proper
planning, right approach and disciplined behaviour anything
is possible to achieve in life.
Wishing you all the best.
GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIP’S
GAPGAP
Presenting
3. INFLATION
THE BIGGEST HURDLE IN YOUR FINANCIAL GOALS ACHIEVEMENT
As per RBI estimates WPI inflation has grown by 6.8% in the last 30 years
Reduced value of money @ 8% inflation p.a.Source : RBI, Bloomberg, NJ Internal
R1,00,000/-
1995
2003
2015
R65,908/-
R33,825/-
R13,518/-
1990
How Inflation is eating your Money
3200
5600
26720
9.2%
9.84
32.49
70.95
8.6%
4.08
21.21
60.11
11.9%
6.00
13.00
50.00
9.2%
1990
2003
2015
Actual Inflation
GOLD PETROL DIESEL MILK
GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIP’S
GAPGAP
4. INFLATION
RETIREMENT
CHILD’S
HIGHER
EDUCATION
2005 2015 2025*2005
R15,000/- R25,000/- R60,000/-
2015 2025*
HIGHER EDUCATIONHOUSE HOLD EXPENSE
R3.16 lacs R18.70 lacs R36 lacs
*Cost in the year 2025 assumed at 8% inflation p.a. on 2015 prices
CHILD’S
MARRIAGE
PLANNING
2005
R4-5 LACS R10-12 LACS R25-30 LACS
2015 2025*
MARRIAGE COST
Fees of PGDBM in IIM Bnagalore, Source: Times of India
GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIP’S
GAPGAP
5. ACHIEVING GOALS
THE RIGHT WAY TO CREATE LONG-TERM WEALTH?
Buying potential BIG WINNING STOCKS?
Successfully TIMING MARKETS
Following“EXPERT”recommendations
Saving a LOT OF MONEY
GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIP’S
GAPGAP
6. INVEST IN RIGHT ASSET CLASS
THE RIGHT WAY
SIMPLE , SMART & TIME TESTED FORMULA TO ACHIEVE GOALS
START EARLY
SAVE REGULARLY
GOAL ACHIEVEMENT
=
+
+
GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIP’S
GAPGAP
7. START EARLY
GIVE TIME TO YOUR INVESTMENT RATHER THAN TIMING AND BENEFIT
FROM THE‘POWER OF COMPOUNDING’
MR SAXENAMR GUPTA
SAVING STARTING AGE 25 YEARS
MONTHLY SAVINGS R 5,000/-
SAVING TILL AGE 60YRS 35 YEARS
TOTAL AMOUNT SAVED R 21 LACS
WEALTH AT AGE 60 YRS R 5.70 CRORES
45 YEARS
R 15,000/-
15 YEARS
R 27 LACS
R 0.92 CRORES
0.92 CRORES
5.70 CRORES
25 YEARS 60 YEARS45 YEARS
Systematic investing has a compounding effect on your investments. In the long term, an investment as low as R 5000/- per month swells
up into a huge corpus. This can be best explained by the following graph. The graph shows advantages of starting early. If an investor
starts early, even with lower invested amount he can create a large corpus.
The above example is merely an illustration to explain the benefit saving at an early age. Returns are assumed at 15% CAGR. Assumed that SIP investment are done regularly
every month. No guarantee or assurance of return is being offered by any mutual fund or NJ. The actual result may vary from depicted results depending on scheme selected.
GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIP’S
GAPGAP
8. RIGHT ASSET CLASS
EQUITY MARKET HAS OUTPERFORMED ALL OTHER INVESTMENT AVENUES
It is evident from the graph that in the long term, equity investments have
outperformed other investment avenues and has beaten inflation by a huge margin.
Growth in Different Asset Classes from March 1981 - March 2014
Source: Gold-Handbook of Statistics on Indian Economy, RBI. Silver - Handbook of Statistics on Indian Economy, RBI. Sensex - www.bseindia.com, Slide of PPT of HDFC MF.
Co Deposits - assumed (1% higher than Bank FD Rate). Bank Deposits - Handbook of Statistics on Indian Economy, RBI. Inflation - Handbook of Statistics on Indian Economy, RBI
Equity mutual funds over a long-term
horizon offer better risk-return pay off
Liquidity, Transparency and Convenience+
15.7
9.9
8.9
9.4
2.4
9.4
2.4
6.9
INFLATION GOLD SILVER BANK DEPOSITS CO. DEPOSITS SENSEX
2.9
1.9
8.3
18
16
14
12
10
8
6
4
2
0
Actual Gain Real Gain 1,02,826
8,241
17,352 17,442 20,162
15,046
INFLATION GOLD SILVER CO. DEPOSITS BANK DEPOSITS SENSEX
110000
90000
70000
50000
30000
10000
0
Growth of Rs. 1,000 in Different Asset Classes
GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIP’S
GAPGAP
9. INVEST REGULARLY
DISCIPLINED INVESTING THROUGH SYSTEMATIC INVESTMENT PLAN (SIPS)
Every investor dreams of buying at
a low price and selling at a higher
price. But, how does one know
whether any given time is the right
time to buy or sell? Many retail
investors try to judge the market
movements and end - up losing
their money in the long term.
A more successful strategy is‘Rupee
Cost Averaging’ wherein you invest
a fixed amount regularly. Thus you
purchase more when the price are
low and purchase less when prices
are high. SIP investments takes
advantage of this strategy. SYSTEMATIC INVESTMENT PLAN (SIP) AN IDEAL WAY TO REDUCE RISK
AVERAGE COST PER UNIT < AVERAGE PURCHASE PRICE PER UNIT
1000
1000
1000
1000
100.00
125.00
111.11
90.91
4000
0
0
0
400
0
0
0
400
4400 @ NAV R11
10
427.02
4697.22 @ NAV R11
9.36
1
2
3
4
10
8
9
11
The above example is merely an illustration of ‘Rupee Cost Averaging’. The NAVs and returns generated are
purely indicative and do not depict the performance of any mutual fund scheme. The actual results may vary
from the depicted figures. No guarantee or assurance of return is being offered by the Mutual Fund or NJ.
(R) (R)
(R)
(R)
Rising Market
Market Unit Purchased
Falling Market
Unit PurchasedMarket
GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIP’S
GAPGAP
10. SENSEX RETURNS
EQUITY NOT RISKY IN LONG TERM
266.88
-46.78
24.85
35
23
12
34.29
81.76
-15.21
18.00
33
27
6
18.18
53.04
-4.77
17.50
31
28
3
9.68
34.71
-2.09
17.11
26
25
1
3.85
33.94
2.24
16.65
24
24
0
0.00
27.40
6.49
15.66
21
21
0
0.00
Past Performance may or may not sustain in future. The scenarios depicted herein above is for illustration
purpose only and do not represent any forecasted performance. The above data shows returns for
investments done in sensex every year on 31st March starting from 1979 till 31st March 2014 and is based
on data available on www.bseindia.com which depicts performance of BSE sensex over a period of time.
It shall not be construed to be indicative of scheme performance in any manner.
Reducing probability of loss with increased investment tenure
GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIP’S
GAPGAP
11. “Best market timing (almost impossible) has yielded less than 2% additional return than
systematic investment. Time to go systematic.”
TIME IS IMPORTANT
MARKET TIMING DOES NOT MATTER OVER THE LONG TERM
INVESTING IN THE BSE SENSEX - 26 YEARS
Period from Jan 1988 to December 2014
12.70%
15.34%
14.10%
Data source: www.bseindia.com; capitalmarket
GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIP’S
GAPGAP
12. SENSEX RETURNS
SENSEX HAS DELIVERED THESE RETURNS INSPITE OF
Two Wars
Major financial scandals
Assassination of 2 Prime Ministers
At least 3 recessionary periods
10 different governments
An unfair share of naturals disasters
Global crisis like Dot Com bubble of
2000 and Sub Prime crisis of 2008
YEAR SENSEX INVESTMENT
1979 100 R1,00,000
2014 27,499 R2,74,99,000
*As on 31 Dec 2014
IN PAST 36 YEARS BSE SENSEX HAS GIVEN 17%RETURNS (CAGR)
GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIP’S
GAPGAP
13. POWER OF COMPOUNDING
Albert Einstein once noted that the most
powerful force in the universe was the
principle of compounding.
DO YOU KNOW?
At the Rate of 15% Compounding
what will be the value of
Give maximum TIME to your investment
to get most of POWER OF COMPOUNDING
R 1/-
R 2/-
After 5 years
R 4/-
After 10 years
R 8/-
After 15 years
R 64/-
After 30 years
GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIP’S
GAPGAP
14. SYSTEMATIC
INVESTMENT PLAN (SIP)
Systematic Investment Plan (SIP) is a tool that allows you to invest in mutual funds through small,
periodic installments.
SIPs help you set aside a fixed amount every month for investments thus contributing towards your
goals. For Investment purpose, we often wait to collect a large amount of money and investment it
all at once. Through SIP you can start with smaller amount on a monthly basis and create wealth
over the long term.
GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIP’S
GAPGAP
15. There are 34 equity funds, which have completed 15 years, the average SIP return of 34 diversified equity funds
is 21.88% over last 15 years. So someone who had started with SIP of R10,000 in December 1999, has
accumulated R1.12 Crores as on 31st December 2014 (on an investment of R18 lacs over the 15 year period).
SIP PERFORMANCE
EQUITY NOT RISKY IN LONG TERM
PERFORMANCE OF SIP IN DIVERSIFIED EQUITY MF SCHEMES
CAGR (%)Category
21.88%
15.61%
Avg of MF Schemes
Sensex
15 yrs Performance Returns on R10,000 invested per month
Current Value (R)
1,12,87,175
64,99,490
(Total number of schemes covered : 34, Returns as on 31st Dec. 2014
SIP Amount of R10,000 per month. Total investment R18 Lacs)
INVESTED R
SIP R10,000/- PER MONTH
R
CURRENT VALUE
*Returns as on 31st Dec 2014. 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. Source: NJ Internal
GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIP’S
GAPGAP
16. There are 7 balance funds, which have completed 15 years, the average SIP return 19.15% over last 15 years. So
someone who had started with SIP of R10,000 in December 1999, has accumulated R88.60 lacs as on 31st
December 2014 (on an investment of R18 lacs over the 15 year period).
SIP PERFORMANCE
PERFORMANCE OF SIP IN BALANCE FUND MF SCHEMES
CAGR (%)Category
19.15%
15.61%
Avg of BALANCE Schemes
Sensex
15 yrs Performance Returns on R10,000 invested per month
Current Value (R)
88,60,020
64,99,490
(Total number of Balance fund scheme covered 7, Returns as on 31st
December 2014. SIP Amount of R10,000 per month. Total investment
R18 Lacs)
INVESTED R
SIP R10,000/- PER MONTH
R
CURRENT VALUE
*Returns as on 31st December 2014. 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. Source: NJ Internal
GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIP’S
GAPGAP
17. NJ GAP is a unique goal based investment programme through a
Systematic Investment Plan (SIP). Investors in this programme have
the flexibility of choosing a monthly investment amount as well as
the investment duration of their choice. NJ GAP would enable the
investors to plan for their goals without needing to review,
re-invest or for that matter time the markets.
With NJ GAP you can plan to fulfill all your desires in life.
REAP“THE BENEFIT OF COMPOUNDING”THROUGH SIP
WHY NJ GAP
WITH NJ GAP YOU CAN PLAN TO FULFIL YOUR GOALS IN LIFE
GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIP’S
GAPGAP
GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIP’S
GAPGAP
18. NJ GAP FEATURES
Monthly Investment Option
2000 5000 10000
15000 20000
NJ GAP OFFERS INVESTORS WITH GREAT ADVANTAGES
INVESTMENTS IN THE RIGHT ASSET CLASS
With NJ GAP, you would invest in Equities, an asset
class with potential to deliver very attractive
returns in the long run
TAX FREE RETURNS
Long term capital gains in Mutual Funds for
investments above one year are nil. So, all returns
made through NJ GAP are TAX FREE (1 year & above
investment only).
INVESTMENTS ARE HIGHLY LIQUID
There is no lock-in* period of any kind and
investments can be very easily redeemed at any
time wish.
CONVENIENCE
You only have to fill the NJ GAP application form
and the Auto Debit (ECS) form and submit it with
one cheque.
GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIP’S
GAPGAP
19. GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIP’S
GAPGAP
SIP READY RECKONER
SIP FOR LONG TERM CAN GIVE YOU THE MAXIMUM RETURN
The above SIP Ready Reckoner is for illustration purpose only. The SIP amount, tenure of SIP, expected rate of return are assumed figures
for the purpose of explaining the concept of advantages of SIP investments. The actual result may vary from depicted results depending
on scheme selected. It should not be construed to be indicative of scheme performance in any manner.
20. GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIP’S
GAPGAP
A comprehensive platform especially designed keeping in mind the simplicity, accuracy &
convenience of the client.
NJ Trading Account & Demat Account (TADA) service, helps avoid the hassles & worries of
doing physical transactions. NJ TADA offers convenience in doing transactions in simple,
accurate, time and cost effective manner in multiple modes. It is a revolutionary platform,
which will empower you with great flexibility of transactions irrespective of product
category, transaction modes and payment option.
NJ TRADING & DEMAT ACCOUNT
TADATADA
EASY - ACCURATE - CONVENIENT
NJ TRADING & DEMAT ACCOUNT TRANSACTION FACILITIES
CAPITAL MARKET
Buy
Sell
EXCHANGE TRADED FUND
Buy
Sell
Systematic Investment Plan (SIP)
MUTUAL FUNDS
Purchase
Systematic Investment Plan (SIP)
Inter AMC Switch
Inter AMC STP
Redemption
21. GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIP’S
GAPGAP
ONE TIME DOCUMENTATION
New KYC & bank proof required*
No other documents needed
SINGLE WINDOW - MULTIPLE PRODUCTS
Mutual Funds
Equity Shares
Exchange Traded Funds
EASY & MULTIPLE MODES OF TRANSACTIONS
Online
Mobile
Offline***
On Phone*** (Call)
System driven transaction process
HIGH ACCURACY & SPEED
Inter AMC Switch/STP
SIP In Exchange Traded Funds
INNOVATIVE TRANSACTIONS.
NO GEOGRAPHICAL BARRIER
Transaction can be done from anywhere
Transaction report
Valuation report
Profit & Loss report
COMPREHENSIVE REPORTS
OPERATIONAL EASE
Single payment against multiple transactions
Single contact point for all information and updates
TAX BENEFIT U/S 80CCG
Additional tax benefit with RGESS
All eligible securities available**
CONVENIENT & SECURED PAYMENT OPTIONS
Debit Card
Net Banking
Auto Debit/ECS
Cheques
CENTRALISED CUSTOMER CARE
All query solutions at single point
Call 1800 200 0155
AUTO TRANSACTION ALERTS
SMS/Email alerts for transaction done
NJ TRADING & DEMAT ACCOUNT FEATURES
* As per the KYC guidelines issued by SEBI from time to time. **As per the guidelines of finance ministry from time to time.
***Terms and conditions applicable.
22. GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIP’S
GAPGAP
CALL TODAY AND ACHIEVE FOR FINANCIAL GOALS...
Disclaimer: The CAGR is computed based on IRR since SIP installment are received at different interval across the SIP Period. All information / data in the
presentation is taken from various sources including information developed in-house. All data and information assumed in the preparation of this document
is dated. The same may or may not be relevant at a future date. The actual future results may significantly vary and depends on various market factors,
political and other general economic conditions. Investors are requested to consult their financial advisors before taking any investment decision. Neither NJ
India Invest nor Mutual Fund and their employees or Directors takes no responsibility for any investment decision taken by investors. Prospective investors are
therefore advised to consult their own legal, tax and financial advisors to determine possible tax, legal & other financial implication or consequence of
subscribing to the units of Mutual Fund. Mutual Fund investments are subject to market risks. Investors are requested to read Scheme Information Document
and Statement of Additional Information before investing in any scheme.
WEALTH
FINANCIAL
PRODUCTS
DISTRIBUTOR
NETWORK
PARTNER