ACHIEVE YOUR DREAMS

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ACHIEVE YOUR FINANCIAL DREMS THROUGH THE SYSTEMATIC SAVING AND INVESTMENT PLANS
IF YOU WANT YOUR DREAMS TO
BECOME REALITY CONTACT
rravindrakumar@gmail.com

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ACHIEVE YOUR DREAMS

  1. 1. Achieving Your Goals in Life
  2. 2. 20 Years You want financial freedom but do not have… … the time from your present occupation. … the big money to start a promising business. … the skills to start a new venture. Explore a simple, sure way to turn dreams into reality. Be open minded while viewing the presentation. There is no further obligation on you whatsoever .
  3. 3. Let us first look at the important goals in our lives
  4. 4. 20 Years What is the Average Age when a child needs Higher Education?
  5. 5. What is the Average Cost of Higher Education Today? <ul><ul><li>Engineer : Rs.10 Lacs </li></ul></ul><ul><ul><li>Medical : Rs.15 Lacs </li></ul></ul><ul><ul><li>Foreign Study : Rs.25 Lacs </li></ul></ul>
  6. 6. <ul><li>Assuming Current Age is 3 years: (17 yrs remaining) </li></ul><ul><ul><li>Engineer : Rs.27 Lacs </li></ul></ul><ul><ul><li>Medical : Rs.41 Lacs </li></ul></ul><ul><ul><li>Foreign Study : Rs.67 Lacs </li></ul></ul>How much would the Higher Education cost you at the maturity? Assuming inflation @ 6%
  7. 7. <ul><li>Assuming Current Age is 3 years: (17 yrs remaining) </li></ul><ul><ul><li>Engineer : Rs.27 Lacs </li></ul></ul><ul><ul><li>Medical : Rs.41 Lacs </li></ul></ul><ul><ul><li>Foreign Study : Rs.67 Lacs </li></ul></ul>Are you on the right path to provide good education for your child? Assuming inflation @ 6%
  8. 8. 24 Years What is the Average Age when a child gets married?
  9. 9. What is the Average Expenses of Marriage Today? Rs.10 Lacs
  10. 10. How much would your child’s Marriage cost you at maturity? Assuming inflation @ 6%. Current Age is 3 yrs & Marriage Age is 24 yrs. Rs.34 Lacs
  11. 11. Rs.34 Lacs Are you on the right path to arrange a decent marriage for your child? Assuming inflation @ 6%. Current Age is 3 yrs & Marriage Age is 24 yrs.
  12. 12. What is the Average Retirement Age? 60 Years
  13. 13. Rs.10,000/- p.m. What is an Average Monthly Expense of a Middle-class House Hold?
  14. 14. How much Retirement Kitty would you need at Retirement? Rs.2.20 Crores Current Age: 28 years. Retirement Age - 60 yrs. Life Expectancy - 90 yrs. Assuming inflation @ 6%. Returns on Retirement Kitty – 6% Monthly Expenses would grow from Rs.10,000/- now to over Rs.64,500/- at Retirement & would continue to growth thereafter…
  15. 15. Are you on path to a Peaceful Retirement? Rs.2.20 Crores Current Age: 28 years. Retirement Age - 60 yrs. Life Expectancy - 90 yrs. Assuming inflation @ 6%. Returns on Retirement Kitty – 6%
  16. 16. Assuming: Current Age Self : 28 yrs Child: 3 yrs Child Education : 20 yrs Engineer : Rs.27 Lacs Medical : Rs.41 Lacs Foreign Study : Rs.67 Lacs Child Marriage : 24 yrs Marriage : Rs.34 Lacs Retirement: : 60 yrs (Self) Retirement Kitty : Rs.2.20 Crores Brief Look at Our Life Goals
  17. 17. Are we on Track to Achieve the Critical Life Goals in our Lives?
  18. 18. Creating wealth successfully in Over time can help us fulfill all our goals!!
  19. 19. Rs.5,000/- p.m. How much can a person save on a regular basis? Creating Wealth
  20. 20. If a person can save Rs.5,000/- per month What will be his wealth when he retires? Assuming: Current Age: 28 yrs. Retirement Age: 60 yrs. Invests in an Asset class than gave returns of 8% Creating Wealth
  21. 21. At Age 60 his wealth would have been Rs.84 Lacs Amount Invested: Rs. 19.20 Lacs . Times amount gets rolled over: 4.37 . Note: The above figures are for illustrative purpose only. There is no guarantee that the projection given would materialize.
  22. 22. The Truth Creating Wealth is Easy We can all Become Wealthy We Need to Create Wealth
  23. 23. How can we create wealth? Start Saving Early The longer you save, the more you make Save in the Right Asset Class This will dictate how much wealth you create … Save Regularly Even a small amount saved regularly, is good
  24. 24. If someone were to give you Rs 10,000 a day for an entire month of 30 days, what would you have made at the end of the month? Rs 3 lakhs, right? But if someone were to give you Rs 1 on the first day and double it everyday (Re 1 + Rs 2 + Rs 4 + Rs 8 and so on) for an entire month of 30 days, what would you have in your hands? An approximate figure?
  25. 25. The 8th World Wonder … The answer is 1,073,74176 That’s right – Rs 107 crore! That’s is the incredible Power of Duplication, which Albert Einstein said would be the 8th Wonder of the World. If you are shocked like most of are , it’s because our mind is conditioned to simple and compound interest taught since our school days.
  26. 26. Starting Early Give time to your investments rather than timing * Constant Savings Note: The above figures are for illustrative purpose only. There is no guarantee that the projection given would materialize. 1.33 Crores* 5.71 Crores* 40 years 25 years 60 years   Ram Shyam Investment Starting Age 25 40 Investment - Monthly SIP Rs.5,000/- Rs.10,000/- Saving Years till age 60 35 years 20 years Total Investment Made Rs.21 lacs Rs.24 lacs
  27. 27. <ul><li>Equity market (represented by BSE Sensex) has outperformed all other investment avenues </li></ul>Selecting Right Asset Class
  28. 28. Twin Benefits of Investing Regularly Disciplined Investing through Systematic Investment Plans (SIPs) is the ideal way to reduce risk Rising Market Falling Market Market Units Purchased Market Units Purchased Save Regularly Rupee Cost Averaging Average Purchase cost will be less Automatic Timing At higher prices - less units At lower prices – more units
  29. 29. If a person can save Rs.5,000/- per month What will be his wealth when he retires? Assuming: Current Age: 28 yrs. Retirement Age: 60 yrs. Invests in an Asset class than gave returns of 20% Creating Wealth
  30. 30. At Age 60 his wealth can be Rs.11.30 Crores Amount Invested: Rs. 19.20 Lacs . Times amount gets rolled over: 58.86 . Note: The above figures are for illustrative purpose only. There is no guarantee that the projection given would materialize.
  31. 31. In past 27 years BSE Sensex has given approx. 20% returns Past Performance <ul><li>This is in spite of … </li></ul><ul><li>Two wars </li></ul><ul><li>At least three major financial scandals </li></ul><ul><li>Assassination of 2 prime ministers </li></ul><ul><li>At least 3 recessionary periods </li></ul><ul><li>10 different governments and </li></ul><ul><li>An unfair share of natural disasters </li></ul>*As on 31 st July, 2007 Risk factors: Mutual Fund investments are subject to market risks. Past performance may or may not be repeated in future. Please read the offer document carefully before investing. Year Sensex Investment Rs. 1979 100 10 Lacs 2007 15,550* 15.55 Crores
  32. 32. Past Performance Performance of Systematic Investment Plans (SIPs) in Mutual Fund Equity Oriented Schemes Also Equity Mutual Funds have outperformed Sensex, as shown above Performance in month of August, 2007. Number of major equity schemes covered; for 5 year performance – 35 & for 10 year performance -15. Risk factors: Mutual Fund investments are subject to market risks. Past performance may or may not be repeated in future. Please read the offer document carefully before investing. You do an SIP of Rs.10,000 per month Total Amount Invested Mutual Fund Equity Schemes BSE Sensex Investment Value (Rs.) % Ann. Returns Investment Value (Rs.) % Ann. Returns During last 5 years Rs. 6 lacs 38.86 lacs 49.82 14.98 lacs 38.03 During last 10 years Rs.12 lacs 77.63 lacs 34.52 38.99 lacs 22.41
  33. 33. Equities not risky in long-run (Performance of BSE Sensex) <ul><li>As Time Increases </li></ul><ul><li>Volatility Decreases </li></ul><ul><li>Range Decreases </li></ul><ul><li>Probability Increases </li></ul>4,285 Harshad Mehta 5,001 Tech Boom
  34. 34. Wisdom <ul><li>The Right way to create wealth … </li></ul><ul><ul><li>Buying potential big winning stocks </li></ul></ul><ul><ul><li>Successfully timing the markets </li></ul></ul><ul><ul><li>Following Expert Advisors recommendations </li></ul></ul><ul><ul><li>Saving a lot of money </li></ul></ul><ul><li>Wealth can be successfully created if we follow </li></ul><ul><li>the three principles ... </li></ul><ul><ul><li>Starting early and saving for long </li></ul></ul><ul><ul><li>Investing in the right asset class </li></ul></ul><ul><ul><li>Investing Regularly – big or small </li></ul></ul>“ We do not need to be wealthy to be an investor … But we can be wealthy if we are investors”
  35. 35. Using the Wisdom <ul><li>We all have goals and objectives in life to achieve like … </li></ul><ul><ul><li>Child Education </li></ul></ul><ul><ul><li>Child Marriage </li></ul></ul><ul><ul><li>Purchase of House, Car </li></ul></ul><ul><ul><li>Retirement, etc </li></ul></ul><ul><li>We can direct our savings to achieve our goals!! </li></ul>Disciplined Savings Sufficient Time Right Asset Class Goal Achievement
  36. 36. Presents
  37. 37. 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 This should enable the investors to plan for their goals without needing to review, re-invest or for that matter, time the markets. 15 years Rs.15,000/- Rs.10,000/- 10 years 5 years Rs.5,000/- Rs.2,000/- Investment Horizons Monthly Investment Options
  38. 38. <ul><ul><li>Investments in the right asset class … </li></ul></ul><ul><li>In Equities with potential to earn very attractive returns </li></ul><ul><li>Investment at lower risk… </li></ul><ul><li>By Diversification, professional management, </li></ul><ul><li>and investing by way of SIP </li></ul><ul><li>Hassle-free process of wealth creation </li></ul><ul><li>You only have to fill the GAP Proposal Application form </li></ul><ul><li>and the Auto Debit (ECS) form and submit it with </li></ul><ul><li>one cheque* </li></ul>Advantages to the Investors …
  39. 39. Child Education - Saving years: 17 yrs Helping you achieve your goals in life … Child Marriage - Saving years: 21 yrs Target : Rs.34 Lacs GAP Amount : Rs.1,500 Assuming returns of 20%. GAP figures are rounded off . Amount Actually paid: 3.78 Lacs Amount Actually paid: 4.08 Lacs (for 2,000) Note: The above figures are for illustrative purpose only. There is no guarantee that the projection given would materialize. Education Target GAP Amt. Engineer Rs.27 Lacs Rs.2,000 Medical Rs.41 Lacs Rs.3,000 Foreign Study` Rs.67 Lacs Rs.5,000
  40. 40. Retirement - Saving years: 32 yrs Target : Rs.2.20 Crores GAP Amount : Rs.1,000 Helping you achieve your goals in life … Assuming returns of 20%. GAP figures are rounded off . Amount Actually paid: 3.84 Lacs Small monthly investments of few thousand rupees can help you Achieve your goals & Relax in life! Note: The above figures are for illustrative purpose only. There is no guarantee that the projection given would materialize.
  41. 41. Achieve your goals in life with

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