This slide analyses various money investment instruments through which 1 crore INR rupees can be earned over 25 years. It also suggests a sample portfolio for monthly investment plan.
Cv & presentation patrick lemmens 2013, updated till end of May 2013Lemmie
Patrick Lemmens is a senior portfolio manager with over 20 years of experience in financial services. He holds a Master's degree in financial economics and manages the Global Robeco Financials Fund, seeking to deliver alpha through solid stock picking based on identifying trends within the financial sector. His past performance at ABN AMRO was very solid, with annualized outperformance of 2.7% over benchmark indexes. He employs a bottom-up investment process focused on companies with strong book value growth positioned in profitable business lines.
This document summarizes information about joining an investment program called THE ENVIRONMENT. It discusses forex trading, which involves trading currency pairs and allows profits from both rising and falling values. The program offers two investment options: a hedge pool with a minimum $5,000 investment over 36 months that pays monthly dividends, and forex trading with brokers that employs strategies across 16 currency pairs with varying levels of risk. The document provides examples of compound returns from dividends and emphasizes that past results do not guarantee future profits.
The document provides an overview of the Robert Falcon Scott Fund, including:
1) Background on the fund's history and expansion over time through various partnerships and rebranding.
2) The fund's investment philosophy which focuses on a quantitative strategy that aims to create sustainable long-term wealth through effective risk management.
3) Details on the fund's strategy which utilizes a proprietary quantitative framework to select stocks and implement gearing based on individual client risk profiles, with the goal of outperforming the FTSE/JSE Top 40 benchmark.
A new Private Investment Club for investors and business opportunities. Obtain an estimated return on investment of up to 11%-22% or more per month.
Take control of your finances, get your money to work for you!
The document provides historical returns and projected returns for various asset classes over 10-year periods. It then shows the impact of different strategic asset allocations (SAAs) with low, medium, and high equity exposure on the ending capital balance after 10 years under various inflation-beating return targets. Monthly and annual returns are also provided for the different SAAs. Tables show the ending capital balance and impact of annual withdrawals at various rates on the ending balance.
The document provides details of several investment plans offered by UBS Evergreen Investment Plan, including:
1) An AUD-linked leveraged floating rate note with a coupon rate linked to the Australian swap rate.
2) A ZAR-linked inverse floating rate note with a coupon rate inversely linked to the South African swap rate.
3) A CNY-denominated note with 100% principal protection linked to performance of the SSE Composite Index.
4) A USD-denominated note with 100% principal protection linked to the USD/CHF currency exchange rate.
5) A RUB-denominated note with 100% principal protection linked to performance of the German
- The document describes an investment strategy focused on preferred stocks that aims to provide attractive risk-adjusted returns uncorrelated to fixed income and equities, with lower volatility than stocks.
- Performance statistics for 2016-2015 show the strategy outperforming the S&P 500 with lower standard deviation, while the fund structure details management and redemption terms.
- Charts show the strategy's NAV growth and rolling 12-month returns, demonstrating compound returns since inception in 2014.
Cv & presentation patrick lemmens 2013, updated till end of May 2013Lemmie
Patrick Lemmens is a senior portfolio manager with over 20 years of experience in financial services. He holds a Master's degree in financial economics and manages the Global Robeco Financials Fund, seeking to deliver alpha through solid stock picking based on identifying trends within the financial sector. His past performance at ABN AMRO was very solid, with annualized outperformance of 2.7% over benchmark indexes. He employs a bottom-up investment process focused on companies with strong book value growth positioned in profitable business lines.
This document summarizes information about joining an investment program called THE ENVIRONMENT. It discusses forex trading, which involves trading currency pairs and allows profits from both rising and falling values. The program offers two investment options: a hedge pool with a minimum $5,000 investment over 36 months that pays monthly dividends, and forex trading with brokers that employs strategies across 16 currency pairs with varying levels of risk. The document provides examples of compound returns from dividends and emphasizes that past results do not guarantee future profits.
The document provides an overview of the Robert Falcon Scott Fund, including:
1) Background on the fund's history and expansion over time through various partnerships and rebranding.
2) The fund's investment philosophy which focuses on a quantitative strategy that aims to create sustainable long-term wealth through effective risk management.
3) Details on the fund's strategy which utilizes a proprietary quantitative framework to select stocks and implement gearing based on individual client risk profiles, with the goal of outperforming the FTSE/JSE Top 40 benchmark.
A new Private Investment Club for investors and business opportunities. Obtain an estimated return on investment of up to 11%-22% or more per month.
Take control of your finances, get your money to work for you!
The document provides historical returns and projected returns for various asset classes over 10-year periods. It then shows the impact of different strategic asset allocations (SAAs) with low, medium, and high equity exposure on the ending capital balance after 10 years under various inflation-beating return targets. Monthly and annual returns are also provided for the different SAAs. Tables show the ending capital balance and impact of annual withdrawals at various rates on the ending balance.
The document provides details of several investment plans offered by UBS Evergreen Investment Plan, including:
1) An AUD-linked leveraged floating rate note with a coupon rate linked to the Australian swap rate.
2) A ZAR-linked inverse floating rate note with a coupon rate inversely linked to the South African swap rate.
3) A CNY-denominated note with 100% principal protection linked to performance of the SSE Composite Index.
4) A USD-denominated note with 100% principal protection linked to the USD/CHF currency exchange rate.
5) A RUB-denominated note with 100% principal protection linked to performance of the German
- The document describes an investment strategy focused on preferred stocks that aims to provide attractive risk-adjusted returns uncorrelated to fixed income and equities, with lower volatility than stocks.
- Performance statistics for 2016-2015 show the strategy outperforming the S&P 500 with lower standard deviation, while the fund structure details management and redemption terms.
- Charts show the strategy's NAV growth and rolling 12-month returns, demonstrating compound returns since inception in 2014.
The document discusses the foreign exchange (forex) market, which is the largest and most liquid financial market in the world. It operates globally and around the clock. The document provides information on major currency pairs, how to trade forex using leverage and managing risk through strategies like risk-reward ratios and stop losses. It also discusses growing an account through compounding profits and maintaining consistency in trading over time.
This document summarizes an informational presentation about Venus FX Investment, a foreign exchange trading investment program. It describes Forex trading as trading currency pairs by buying currencies one expects to rise and selling those one expects to fall. It then outlines the Venus FX investment options including daily ROI returns of 4-6%, introducer bonuses, binary income from pairings, matching bonuses, and rewards redemption. It promotes investing in Venus FX to earn profits from Forex trading managed by the company.
1. Presentation
2. • Company Profile • What is Binary Option? • StarfishFX Security • How to Trade Binary Option? Candlesticks Chart Strategy 1: Moving Average Strategy 2: Bollinger Bands Strategy 3: Mother and Baby Strategy 4: RSI
3. • Risk Managements • Compensation Plan Trader (T) IB (1.5% VOLUME TRADE) MIB (1.75% VOLUME TRADE) PIB (2% VOLUME TRADE)
4. • Starfish FX is managed by Starfish Markets Ltd. We have a strong commitment to maintaining a long term relationship with our clients. From our main office in New Zealand, we strive to provide our clients with the very best service and the most competitive conditions in the industry.
5. • Starfish Markets Ltd is formed by a group of experienced and established finance professionals with over 20 years of experience; each diversified in the financial management field. All of our founders are passionate investors who have seen the explosive growth of financial markets brought on by the pervasive prevalence of the Internet in the last 20 years. Experts in their own field-Banking, Institutional Investment, Fund Management and Info Technology.
6. BACKGROUND OF STARFISHFX • New Zealand forex trading platform • Currently regulated under New Zealand FSP, registration number FSP272925 • Customer base in various regions of the world: – Oceania, Asia, Europe, North America, South America, Africa
7. Starfish FX(New Zealand Certificate of Incorporation)
8. FUND SECURITY
9. Starfish FX Founded in 2003. A regulated brokerage for 11 years. Zero Complaint for the past 11 years.
10. Global Banking & Finance Review Best Trading Platform Asia 2013
11. Global Banking & Finance Review Best Trading Platform Asia 2014
12. Global Banking & Finance Review Most Innovative Binary Options Broker Asia 2014
13. Most Credible & Influential Brand Award in Financial Service in China 2013
14. aa The STAR of the Event Once again, Starfish FX was the STAR of the event at the Ninth Investment Management Financial Fair which conclude on 2nd June 2013 in Shanghai, the financial hub of China. The exciting expo packed to the brim with amazing crowd closed on an exceptionally high note for Starfish FX as we were presented the “Asia’s Top Brand award” in recognition of excellent service and performance as well as the preferred choice of brokerage. It was an incredible honor, but one that was not short and experience accumulated over the years understanding the Chinese market and providing the right sets of tools,service and products that best cater to the needs of local traders. 2013 Shanghai Money Fair
15. The Keynote Guest for Alpha Asia 2012: International Renowned Investment Expert and Co-Founder of Quantum Fund - Mr Jim Rogers International Events
16. Starfish FX was the official Gold Sponsor For 2013 Jim Rogers Event International Events
17. 2012 Guangzhou Investment & Finance Expo
18. Media Release For 2012 Guangzhou Expo
19. 2013
Daily sgx sinagpore report by epic research singapore 8th august 2014Epic Research Singapore
Epic Research private limited have best technical research team, Our research team provide Daily report on SGX Singapore and SGX Exchange, You can get Daily Favorable Tips & future Strategy for SGX Stocks Market.
The document summarizes strategies for de-risking retirement investments. It discusses the challenges of generating reliable retirement income given market volatility and changing needs pre- and post-retirement. The document outlines Grindrod Asset Management's approach of "income efficient portfolios" that aim to produce stable income growth through allocations to listed property, cash/bonds, and equities focusing on high dividend payers. Examples of hypothetical portfolio outcomes are shown demonstrating how reliable income growth can sustain retirement withdrawals over decades.
This document discusses long term investment perspectives and solutions. It begins by outlining common investment questions and problems clients face. It then provides principles for problem solving, including taking a long term view, diversification, and active asset allocation. Several charts show long term returns for various asset classes and indexes, demonstrating the benefits of equities and downsides of cash over time. It discusses MacroSolutions' approach of integrating top-down macro analysis with bottom-up stock selection and provides some examples of investment themes. Performance charts show the funds outperforming peers and delivering returns above inflation over multiple time periods. It concludes that a multi-asset class approach can solve most client needs and that active management adds value over the long term.
This document discusses Myriad's philosophy of individual risk rating using a building block approach to provide a breadth of coverage through a living product. It highlights Myriad's refined and dynamic risk rating approach, value proposition integrating interactive and multiplier products, and focus on sustainability and certainty. The document also summarizes Myriad's evolution of income protection and critical illness benefits to provide the most complete solutions, and commitment to responsible innovation.
Defensive investment strategies gained around 1% in August and are up around 4% so far this year. Balanced Income strategies gained 1.7% in August and have the strongest performance so far in 2022, up around 7%. Current portfolio positioning favors U.S. over international equities, emphasizes mortgage-backed securities and credit in fixed income, and includes allocations to absolute return and real asset strategies.
The 12th edition of the Temasek Review, “Embracing the Future”, was launched on 7 July 2015.
Structure
- The Temasek Charter
- Ten-Year Performance Overview
- Portfolio Highlights
- Credit Profile
- From Our Chairman
- Investor
- Institution
- Steward
- Group Financial Summary
- Major Investments
- Our Contact Points
- Temasek Portfolio at Inception
Visit www.temasekreview.com.sg for the latest Temasek Review.
Follow @Temasek on Twitter at www.twitter.com/Temasek , on Facebook at https://www.facebook.com/temasekholdings and Instagram (@temasekseen) at https://instagram.com/temasekseen
Temasek Review 2015- Embracing the Future (Media Conference Presentation)Temasek
The 12th edition of the Temasek Review, “Embracing the Future”, was launched on 7 July 2015.
Visit www.temasekreview.com.sg for the latest Temasek Review.
Follow @Temasek on Twitter at www.twitter.com/Temasek , on Facebook at https://www.facebook.com/temasekholdings and Instagram (@temasekseen) at https://instagram.com/temasekseen
This document discusses opportunities in fixed income investing in a high risk, low return environment. It provides an overview of recent market performance, including declines in global equity markets and weakness in the South African rand. The document then outlines the investment framework and objectives of the Investec Diversified Income Fund, which aims to generate consistent income while preserving capital. Specific strategies discussed include diversifying across asset classes, regions, and securities to reduce risk. Performance and attribution for the fund are presented, showing it has achieved its goals. The document concludes with the managers' views on current investment opportunities and risks.
This document contains slides from a presentation given by Miranda van Rensburg, Regional Sales Manager at Prudential Investment Managers, in November 2018. The presentation discusses challenges in financial planning given volatility in asset class returns, impact of client behavior on investment performance, and strategies for mitigating sequence of returns risk in retirement. It provides analysis showing the benefits of active management, global diversification, and maintaining growth assets in retirement to maximize long-term returns. The final slides introduce Miranda and include the standard disclosure statement.
A mutual fund is a professionally managed investment that pools money from many investors and invests it in stocks, bonds, and other securities. SWE+ provides a principal guarantee, income guarantee with returns growing by 5% per year, potential for growth when markets rebound, and estate benefits. It provides guaranteed minimum withdrawal benefits and retirement income by eliminating risks like longevity, inflation, and market risks. SWE+ offers two options that provide predictable sustainable guaranteed income for life through retirement.
This document summarizes a meeting between Meyer Coetzee, Head of Retail, and Henk Kotze, PM Income Provider, on November 9, 2018. The agenda included a business update, discussion of the Prescient Income Provider fund, and the Prescient Balanced Fund. Key points included Prescient scaling up operations by focusing on people, operations, and strategy. An overview of Prescient's ownership structure post-BEE deal and staff share scheme was provided. The Prescient investment team and their experience was outlined. The Prescient philosophy of valuation-driven, risk-focused investing to maximize upside and minimize downside was discussed. Performance of the Income Provider fund since 2006, beating inflation and various market indices, was
- The document discusses the benefits of starting a Systematic Investment Plan (SIP) early in life to take advantage of compounding returns over a long period of time.
- It shows that an individual investing Rs. 5,000 per month starting at age 25 could accumulate over Rs. 27 crores by retirement at age 60, assuming an annual investment increase of 5% and 20% annual returns.
- In contrast, someone starting later at age 40 would only accumulate around Rs. 4.9 crores despite investing a higher monthly amount of Rs. 15,000, highlighting the power of starting early.
- The document provides a technical analysis of Wipro Ltd stock, including analysis of indicators like RSI, MACD, simple and exponential moving averages, Bollinger bands, Fibonacci retracement, average true range, and average directional index. Most indicators suggest the stock is facing resistance and is technically weak.
- It also provides the stock's end-of-day price details from the NSE, including open, high, low, close prices as well as changes from previous periods. Additional details like 52-week high/low, market capitalization, and earnings are given.
- Futures and options data on Wipro from the NSE including premium, open interest, and maximum open interest of puts
1) The document provides biographies and experience summaries for Andrew Bishop and Shamier Khan, portfolio managers at Element Investment Managers.
2) It discusses Element's investment philosophy and process, including a focus on long-term fundamentals, ESG factors, and capitalizing on market cycles.
3) The performance summaries show that Element's equity and balanced funds have outperformed peers and indices over multiple time periods, often placing in the top quartile for returns and risk.
This document introduces Capital Guaranteed Auto Trading (CGAT), a type of automated trading software used by the brokerage FX United. CGAT can either advise traders on trades or execute trades automatically. FX United offers CGAT services with minimum investments starting at $500 and expected returns ranging from 12-20% monthly. Fees include a one-time setup fee and monthly maintenance fees based on investment amount. The document also describes an affiliate program with bonuses for direct referrals and group sales.
This document contains multiple charts and graphs showing the historical performance of various asset classes including stocks, bonds, and cash over different time periods from the 1970s to 2014. The key information provided is that stocks have consistently outperformed other asset classes over long periods of time, though they also experience greater short-term volatility. Maintaining a long-term investment strategy with a balanced mix of stocks, bonds, and cash tailored to an individual's risk tolerance provides the best chance of achieving financial goals.
Taking control of your financial future discusses the importance of knowing your cash flow, why we save, inflation, investing, lifestyle inflation, and comparing returns of fixed deposits, equity, and different investment products over long periods of time. It emphasizes starting investments like SIP early to benefit from compounding returns. Mutual funds are presented as a way to invest in equities tax efficiently to beat inflation long-term. Health and term life insurance are also recommended.
SIP, one of the best investment tools to invest through. It is a very good option for beginners. You can also create wealth, by investing through SIPs.
The document discusses the foreign exchange (forex) market, which is the largest and most liquid financial market in the world. It operates globally and around the clock. The document provides information on major currency pairs, how to trade forex using leverage and managing risk through strategies like risk-reward ratios and stop losses. It also discusses growing an account through compounding profits and maintaining consistency in trading over time.
This document summarizes an informational presentation about Venus FX Investment, a foreign exchange trading investment program. It describes Forex trading as trading currency pairs by buying currencies one expects to rise and selling those one expects to fall. It then outlines the Venus FX investment options including daily ROI returns of 4-6%, introducer bonuses, binary income from pairings, matching bonuses, and rewards redemption. It promotes investing in Venus FX to earn profits from Forex trading managed by the company.
1. Presentation
2. • Company Profile • What is Binary Option? • StarfishFX Security • How to Trade Binary Option? Candlesticks Chart Strategy 1: Moving Average Strategy 2: Bollinger Bands Strategy 3: Mother and Baby Strategy 4: RSI
3. • Risk Managements • Compensation Plan Trader (T) IB (1.5% VOLUME TRADE) MIB (1.75% VOLUME TRADE) PIB (2% VOLUME TRADE)
4. • Starfish FX is managed by Starfish Markets Ltd. We have a strong commitment to maintaining a long term relationship with our clients. From our main office in New Zealand, we strive to provide our clients with the very best service and the most competitive conditions in the industry.
5. • Starfish Markets Ltd is formed by a group of experienced and established finance professionals with over 20 years of experience; each diversified in the financial management field. All of our founders are passionate investors who have seen the explosive growth of financial markets brought on by the pervasive prevalence of the Internet in the last 20 years. Experts in their own field-Banking, Institutional Investment, Fund Management and Info Technology.
6. BACKGROUND OF STARFISHFX • New Zealand forex trading platform • Currently regulated under New Zealand FSP, registration number FSP272925 • Customer base in various regions of the world: – Oceania, Asia, Europe, North America, South America, Africa
7. Starfish FX(New Zealand Certificate of Incorporation)
8. FUND SECURITY
9. Starfish FX Founded in 2003. A regulated brokerage for 11 years. Zero Complaint for the past 11 years.
10. Global Banking & Finance Review Best Trading Platform Asia 2013
11. Global Banking & Finance Review Best Trading Platform Asia 2014
12. Global Banking & Finance Review Most Innovative Binary Options Broker Asia 2014
13. Most Credible & Influential Brand Award in Financial Service in China 2013
14. aa The STAR of the Event Once again, Starfish FX was the STAR of the event at the Ninth Investment Management Financial Fair which conclude on 2nd June 2013 in Shanghai, the financial hub of China. The exciting expo packed to the brim with amazing crowd closed on an exceptionally high note for Starfish FX as we were presented the “Asia’s Top Brand award” in recognition of excellent service and performance as well as the preferred choice of brokerage. It was an incredible honor, but one that was not short and experience accumulated over the years understanding the Chinese market and providing the right sets of tools,service and products that best cater to the needs of local traders. 2013 Shanghai Money Fair
15. The Keynote Guest for Alpha Asia 2012: International Renowned Investment Expert and Co-Founder of Quantum Fund - Mr Jim Rogers International Events
16. Starfish FX was the official Gold Sponsor For 2013 Jim Rogers Event International Events
17. 2012 Guangzhou Investment & Finance Expo
18. Media Release For 2012 Guangzhou Expo
19. 2013
Daily sgx sinagpore report by epic research singapore 8th august 2014Epic Research Singapore
Epic Research private limited have best technical research team, Our research team provide Daily report on SGX Singapore and SGX Exchange, You can get Daily Favorable Tips & future Strategy for SGX Stocks Market.
The document summarizes strategies for de-risking retirement investments. It discusses the challenges of generating reliable retirement income given market volatility and changing needs pre- and post-retirement. The document outlines Grindrod Asset Management's approach of "income efficient portfolios" that aim to produce stable income growth through allocations to listed property, cash/bonds, and equities focusing on high dividend payers. Examples of hypothetical portfolio outcomes are shown demonstrating how reliable income growth can sustain retirement withdrawals over decades.
This document discusses long term investment perspectives and solutions. It begins by outlining common investment questions and problems clients face. It then provides principles for problem solving, including taking a long term view, diversification, and active asset allocation. Several charts show long term returns for various asset classes and indexes, demonstrating the benefits of equities and downsides of cash over time. It discusses MacroSolutions' approach of integrating top-down macro analysis with bottom-up stock selection and provides some examples of investment themes. Performance charts show the funds outperforming peers and delivering returns above inflation over multiple time periods. It concludes that a multi-asset class approach can solve most client needs and that active management adds value over the long term.
This document discusses Myriad's philosophy of individual risk rating using a building block approach to provide a breadth of coverage through a living product. It highlights Myriad's refined and dynamic risk rating approach, value proposition integrating interactive and multiplier products, and focus on sustainability and certainty. The document also summarizes Myriad's evolution of income protection and critical illness benefits to provide the most complete solutions, and commitment to responsible innovation.
Defensive investment strategies gained around 1% in August and are up around 4% so far this year. Balanced Income strategies gained 1.7% in August and have the strongest performance so far in 2022, up around 7%. Current portfolio positioning favors U.S. over international equities, emphasizes mortgage-backed securities and credit in fixed income, and includes allocations to absolute return and real asset strategies.
The 12th edition of the Temasek Review, “Embracing the Future”, was launched on 7 July 2015.
Structure
- The Temasek Charter
- Ten-Year Performance Overview
- Portfolio Highlights
- Credit Profile
- From Our Chairman
- Investor
- Institution
- Steward
- Group Financial Summary
- Major Investments
- Our Contact Points
- Temasek Portfolio at Inception
Visit www.temasekreview.com.sg for the latest Temasek Review.
Follow @Temasek on Twitter at www.twitter.com/Temasek , on Facebook at https://www.facebook.com/temasekholdings and Instagram (@temasekseen) at https://instagram.com/temasekseen
Temasek Review 2015- Embracing the Future (Media Conference Presentation)Temasek
The 12th edition of the Temasek Review, “Embracing the Future”, was launched on 7 July 2015.
Visit www.temasekreview.com.sg for the latest Temasek Review.
Follow @Temasek on Twitter at www.twitter.com/Temasek , on Facebook at https://www.facebook.com/temasekholdings and Instagram (@temasekseen) at https://instagram.com/temasekseen
This document discusses opportunities in fixed income investing in a high risk, low return environment. It provides an overview of recent market performance, including declines in global equity markets and weakness in the South African rand. The document then outlines the investment framework and objectives of the Investec Diversified Income Fund, which aims to generate consistent income while preserving capital. Specific strategies discussed include diversifying across asset classes, regions, and securities to reduce risk. Performance and attribution for the fund are presented, showing it has achieved its goals. The document concludes with the managers' views on current investment opportunities and risks.
This document contains slides from a presentation given by Miranda van Rensburg, Regional Sales Manager at Prudential Investment Managers, in November 2018. The presentation discusses challenges in financial planning given volatility in asset class returns, impact of client behavior on investment performance, and strategies for mitigating sequence of returns risk in retirement. It provides analysis showing the benefits of active management, global diversification, and maintaining growth assets in retirement to maximize long-term returns. The final slides introduce Miranda and include the standard disclosure statement.
A mutual fund is a professionally managed investment that pools money from many investors and invests it in stocks, bonds, and other securities. SWE+ provides a principal guarantee, income guarantee with returns growing by 5% per year, potential for growth when markets rebound, and estate benefits. It provides guaranteed minimum withdrawal benefits and retirement income by eliminating risks like longevity, inflation, and market risks. SWE+ offers two options that provide predictable sustainable guaranteed income for life through retirement.
This document summarizes a meeting between Meyer Coetzee, Head of Retail, and Henk Kotze, PM Income Provider, on November 9, 2018. The agenda included a business update, discussion of the Prescient Income Provider fund, and the Prescient Balanced Fund. Key points included Prescient scaling up operations by focusing on people, operations, and strategy. An overview of Prescient's ownership structure post-BEE deal and staff share scheme was provided. The Prescient investment team and their experience was outlined. The Prescient philosophy of valuation-driven, risk-focused investing to maximize upside and minimize downside was discussed. Performance of the Income Provider fund since 2006, beating inflation and various market indices, was
- The document discusses the benefits of starting a Systematic Investment Plan (SIP) early in life to take advantage of compounding returns over a long period of time.
- It shows that an individual investing Rs. 5,000 per month starting at age 25 could accumulate over Rs. 27 crores by retirement at age 60, assuming an annual investment increase of 5% and 20% annual returns.
- In contrast, someone starting later at age 40 would only accumulate around Rs. 4.9 crores despite investing a higher monthly amount of Rs. 15,000, highlighting the power of starting early.
- The document provides a technical analysis of Wipro Ltd stock, including analysis of indicators like RSI, MACD, simple and exponential moving averages, Bollinger bands, Fibonacci retracement, average true range, and average directional index. Most indicators suggest the stock is facing resistance and is technically weak.
- It also provides the stock's end-of-day price details from the NSE, including open, high, low, close prices as well as changes from previous periods. Additional details like 52-week high/low, market capitalization, and earnings are given.
- Futures and options data on Wipro from the NSE including premium, open interest, and maximum open interest of puts
1) The document provides biographies and experience summaries for Andrew Bishop and Shamier Khan, portfolio managers at Element Investment Managers.
2) It discusses Element's investment philosophy and process, including a focus on long-term fundamentals, ESG factors, and capitalizing on market cycles.
3) The performance summaries show that Element's equity and balanced funds have outperformed peers and indices over multiple time periods, often placing in the top quartile for returns and risk.
This document introduces Capital Guaranteed Auto Trading (CGAT), a type of automated trading software used by the brokerage FX United. CGAT can either advise traders on trades or execute trades automatically. FX United offers CGAT services with minimum investments starting at $500 and expected returns ranging from 12-20% monthly. Fees include a one-time setup fee and monthly maintenance fees based on investment amount. The document also describes an affiliate program with bonuses for direct referrals and group sales.
This document contains multiple charts and graphs showing the historical performance of various asset classes including stocks, bonds, and cash over different time periods from the 1970s to 2014. The key information provided is that stocks have consistently outperformed other asset classes over long periods of time, though they also experience greater short-term volatility. Maintaining a long-term investment strategy with a balanced mix of stocks, bonds, and cash tailored to an individual's risk tolerance provides the best chance of achieving financial goals.
Taking control of your financial future discusses the importance of knowing your cash flow, why we save, inflation, investing, lifestyle inflation, and comparing returns of fixed deposits, equity, and different investment products over long periods of time. It emphasizes starting investments like SIP early to benefit from compounding returns. Mutual funds are presented as a way to invest in equities tax efficiently to beat inflation long-term. Health and term life insurance are also recommended.
SIP, one of the best investment tools to invest through. It is a very good option for beginners. You can also create wealth, by investing through SIPs.
The document describes a portfolio model to study the effects of deal pipeline quality and liquidity on investment performance. It analyzes the impact of varying the frequency of investment opportunities in long-term strategic assets and the liquidity of those assets. The model compares portfolio returns under different scenarios, including investing only in cash or long-term assets, varying the availability of long-term deals, and adding a medium-term asset class. The results show that improving pipeline breadth through more frequent deals and greater liquidity can increase returns by reducing cash drag and allowing higher-return investments.
The document provides information about capital markets in India. It discusses the Bombay Stock Exchange (BSE) as the oldest stock exchange in Asia, established in 1875. It lists various market offerings at BSE like cash market, derivatives, debt market segment, and ETFs/mutual funds. It also describes how the capital market operates with T+2 settlement system and details demat and e-trading facilities. It notes the role of regulator SEBI and various asset class offerings like equity, debt, gold. The document emphasizes the importance of investing to beat inflation and highlights equity investing can provide higher long-term returns than fixed deposits.
Wealth creation through Mutual Fund SIPNimesh Dedhia
This document discusses how systematic investment plans (SIPs) can help create wealth over time through investments in mutual funds. It provides examples of the growth of hypothetical Rs. 1,000 monthly SIPs in several equity mutual funds over periods of 5, 10, and 15 years, demonstrating average annual returns ranging from 17.12% to 35.32%. Tables also illustrate the power of compounding returns over long periods from 20 to 30 years for Rs. 1,000 monthly investments at interest rates of 8-25%. The advisor's profile is given, showing over 15 years of experience in financial planning and serving over 300 mutual fund clients.
This document discusses inflation and liquid funds as an alternative to savings accounts. It defines inflation as rising prices of everyday goods and services. The average inflation rate in India over the last 5 years is estimated to be between 5-10%. While savings accounts offer interest of around 4%, after accounting for inflation the net returns are negative. Liquid funds are introduced as an alternative that can generate returns close to or higher than inflation with low risk. They invest in short term debt instruments and have no entry/exit loads. The document provides examples of how liquid funds have outperformed savings accounts and encourages readers to speak to a financial advisor about investing in them.
This document discusses inflation and liquid funds as an alternative to savings accounts. It defines inflation as rising prices of everyday goods and services. The average inflation rate in India over the last 5 years is estimated to be between 5-10%. While savings accounts offer interest of around 4%, after accounting for inflation the net returns are negative. Liquid funds are introduced as an alternative that invests in very short term debt with returns averaging over 8%, beating inflation. Key benefits of liquid funds highlighted are high liquidity, low risk, and no entry/exit loads.
This document discusses wealth management from an Islamic perspective. It encourages saving regularly while also spending on necessities. The document outlines three stages of managing wealth Islamically: wealth preservation, wealth protection, and wealth accumulation. It emphasizes starting to save early to benefit from compound interest over time. The document also cautions against spending all of one's savings and recommends continuing to save even after retirement for unexpected expenses. Overall, the document provides guidance on balancing saving, spending, and charity from a faith-based lens.
This document provides an introduction to personal finance concepts for newcomers. It discusses tax exemptions like Section 80C, HRA, LTA, and medical reimbursements. It also covers tax slabs and calculations. The document explains the power of early investing using examples. It defines equity and debt investments and lists investment options. It discusses the purpose of insurance and different insurance options. The key aspects of a financial plan are identified as return, risk, liquidity, and simplicity.
This document provides information on financial wellness and money management. It discusses earning money through skills enhancement, monetizing hobbies, investments, and tax savings. It also covers spending on insurance and borrowing for homes and education. The document recommends allocating income to short, medium, and long-term goals and outlines strategies for evaluating investment risk and return.
How do investors achieve financial freedom? How do you establish your financial goals? Understand the benefits of diversification and following an asset allocation strategy.
www.Quantumamc.com
This document discusses the business opportunity of becoming a Stock Market College (SMC) independent business owner (IBO). It outlines the potential income levels and benefits of working as an IBO, including leveraging a network marketing model to build recurring income streams from customer subscriptions. The opportunity allows existing SMC clients to upgrade their membership and provides training to help IBOs start and manage their own business. Comparisons are made between membership costs and additional earnings potential from becoming an IBO.
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Osisko Development - Investor Presentation - June 24
How to become Crorepati in 25 years
1. Presenter: Neeraj Maurya
Date : 13-Oct-2015
Venue : Capgemini, Airoli
Presented at an internal knowledge sharing session (Guftgu) for the benefit of all the colleagues
2.
3.
4. Your investment must grow at
(For 5000 per month)
Every month investment Req.
(with 10% Rate Growth)
Age 25 13% per annum 8000/-
Age 30 17% per annum 14000/-
Age 35 26% per annum 25000/-
Age 40 44% per annum 50000/-
6. SAVING ACCOUNT INTEREST CALCULATION
Before 2010 After 2010
Annual Interest of 4% Daily interest = Interest per annum/365
i.e. = 4/365 = 0.010958%
For 3000/- for 1 month interest is 7/- For 3000/- for 1 month interest is 20/-
Opening
Balance
Credit Debit Closing
Balance
1-Jan-2015 3,000 0 0 3000
21-Jan-2015 1000 2000
25-Jan-2015 2000 4000
31-Jan-2015 4000
Before 2010 After 2010
Lowest Balance * 4%
= 2000 * 4%
= 80/12 = 7/
Interest Earned =7/-
3000 * 20 days * 0.010958% = 7/-
2000 * 4 days * 0.010958% = 4/-
4000 * 7 days * 0.010958% = 9/-
Interest Earned =20/-
Sample Scenario & Calculation
7. 8th Wonder
of world
Interest earned
is added to
principle
Compounded
Monthly, Quarterly,
Half- Quarterly,
Yearly
Rule of 72
8. GOLD
(RETURNS 10 TO 12%)
To become Crorepati
Duration : 25 Years
Every month Investment : 8000/-
Recognized/
ReliableEasy to
buy/sell
Can be
used as
Ornaments
Very Liquid
Threat of
Theft
ETF or
Gold Funds
9. Minimum
(Per year)
Maximum
(Per year)
Returns Lock-in
Period
PPF 500 100, 000 8.8% 15 years + 5
Years
NSC Sold in denomination
of Rs 100/-
- 8.8% 6 Years
Bank Fix
Deposit
- - 7-8% 5 Years
Mortgage
/Lease
- - Agreement Agreement
Bonds - - Agreement Agreement
Provident
Fund (PF)
- - 8% 5 Years, till
Employment
DEBT
(RETURNS 8-9%)
IS LOAN, AND CARRIES A FIXED RATE OF INTEREST, AND A PROMISE TO REPAY.
Other Post Office Instruments : Kisan Vikas Patra, Monthly Income
Sheme, Recurring Deposit….
11. SHARE MARKET
(RETURNS 15-18%)
Good
Analysis
required
Big growth
Know
Settlement
System
High Risk
Position/
Day/Margin
Trading
Stock Year Investment Returns Year 2015
Infosys 1993 9500/- 3 Crore
Satyam 2005 38000/- 2 Lac
Sample Growth
Demat Ac
required
12. MUTUAL FUND
RETURNS (15-20%)
Mr. A Mr. B Mr. B
(Double Tenure)
Age 25 35 35
Every Month Investment 5000 5000 10000
Duration 5 Years 5 Years 10 Years
Total Investment 3 Lac 3 Lac 6 Lac
Returns (at Age 60) 7 Crore 1.33 Crore 2 Crore
SIP &
LumpSum
Investment
Diversification
Medium to
High Risk
Safe Returns
Liquidity
Open/Closed
Ended
Large/Mid/
Small Cap
Sectorial &
Gold Funds
15. ELSS V/S ULIP
Predictable Cost
Very high first
year charges
Easily
understandable
returns
Short Lock-in
(3-5 years)
Exit Load 1%
(if withdrawn bef. 3 years)
Transparent
Investment
Purely
Investment
Premium =
Life Insurance
+ Admin Charges
+ Fund Mang. Charge
+ Investment
Extra 30% charges
(If withdrawn before 5 years)
Less
Transparency
Insurance +
Investment
16. ELSS
(Equity-Linked Savings Schemes)
ULIP
(Unit Linked Insurance Plan)
• Axis Long Term Equity,
• BNP Paribas Long term Equity,
• Franklin India Taxshield,
• HDFC Standard Life
• ICICI Prudential
17. INSURANCE POLICIES
Endowment ULIP Term
Insurance &
Maturity
Insurance &
Investment &
Maturity)
Only Insurance
No Maturity
Yearly Premium 31000 25000 12200
Sum Assured 10 Lacs 2.5 Lacs 1 Crore
Maturity Amount 21 Lacs Units * Rate Nil
Returns 5.4% 10 year plan
(6-12%)
Nil
18. NEVER PUT ALL EGGS IN ONE BASKET
(DIVERSIFICATION)
Low Risk/ No Risk
(50%)
Medium Risk (30%) High Risk (20%)
- Saving Account (4%) - ULIP - Stock Trading
- Fixed Deposit(8-10%) - ELSS
- NSE (8.8%) - Mutual Fund
- PPF (8.8%) - Real Estate
- Gold (10%)
- Insurance (6%)
19. Instrument Interest Rate Every Month
Investment Req.
Risk Category
Saving Account 4% 20000/- Low
Fixed Deposit 8% 11000/- Low
NSC 8.8% 9500/- Low
PPF 8.8% 9500/- Low
Insurance(ULIP) 9% 9000/- Medium
Gold 10% 8000/- Medium
Mutual Fund 16% 3500/- Medium to High
Real State Medium to High
Share Trading 15% 4000/- High
To become Crorepati in 25 years
20. IDEAL PORTFOLIO
TO BECOME CROREPATI
Instrument Monthly Yearly Total Yearly
Investment
Returns
(After 25 Years)
Saving Account (4%) 500 6000 2,57,922
Fixed Deposit (8.5%) 500 6000 4,78,683
NSE (8.8%) 1000 12000 9,57,367
PPF (8.8%) 1000 12000 9,57,367
Gold (10%) 1000 12000 6,68,945
ELSS (16%) 1000 12000 39,65,218
Mutual Fund (15%) 500 6000 32,84,074
Equity Portfolio (16%) 500 6000 39,65,218
Term Insurance
(Rate from LIC for 25 years)
12200 12200 No Returns
(On death 1 Crore)
Mediclaim 3500 For Self, Spouse and kid
(Medical Cover of 2 Lac)
6000 15700 84200
Every month invested : 7308
Returns : 1.18 Crore
(With: Life cover of 1 Crore + Mediclaim of 2 Lac for each)
Assuming a person with monthly take
home of 20000/-
s/he just has to pay 30% of his salary
for this goal
21. INFLATION (6%)
Today’s value for future Rs. 1 crore are as follows
10 years- Rs.56 Lakhs
20 years- Rs.31 Lakhs
25 years- Rs.23 Lakhs
30 years- Rs.17 Lakhs
22. Go for debt mutual funds over fixed deposits.
Never consider Insurance for investment.
Surrender ULIP to restrain losses.
Surrender Endowment Plans, Take Term Insurance.
Make a balanced portfolio with diversification.
Keep the EMI dates during end of month.
We earn regularly. We spend regularly. Shouldn’t we also
invest regularly?
ADVICE
Editor's Notes
I assume that you have fair idea of
Interest
There are two objective of this session
To let you make feel crorepati
Get you familiar with some words like Compounding, debt, ELSS, ULIP, Bonds etc.
Get you familiar with some words like Compounding, debt, ELSS, ULIP, Bonds etc.
All banks offer mostly 4% except kotak mahindra bank with 6%
For less than 1 year, FD will give 4 to 7% depending on tenure
- Fixed deposite Returns are taxable.
Saving account..atleast 20000/- per month required for 1 crore in 25 years
FD…atleast 11000/- per month required for 1 crore in 25 years
Recurring Deposit Compunded quaterly
-Saving rates got deregulated on 25th Oct 2011 after that few banks revised their rates.
Previously, the interest rate of 4% per annum was applied against the lowest balance available in the account between the 10th and the final day of the month. From April 2010 onwards, this changed and the savings bank interest is now calculated based on the daily balance
How saving account interest is calculated
- Daily interest = Interest per/annum/365 ie 4/365= 0.010958%
- Interest = Principal * number of days * Daily interest
Before 2010: Against Lowest balance in account between 10 the and final day of month
After 2010: interest is now calculated based on the daily balance
Video of POC_principle_interest.mp4
Check the calculation at
http://www.moneycontrol.com/planning_desk/planning_magic.php
-Compounding can do miracles
Power of Compounding
-Compounding – 8th Wonder of The World
- A Sort story o compounding where a begger gives 1 coin everyday and the king gives same no. of coin. At the end kings becomes begger
Suppose you invest Rs.100 today. It grows at 15% compounded rate every year, then next year you will get Rs.115 i.e. Rs.100 + Rs.15. Why Rs.15? Rs.15 is 15% of Rs.100!
Okay so now one year is passed. You have Rs.115. The next year you will get Rs.132. Why Rs.132? Rs.115 + Rs.17. Why Rs.17 ? Because Rs.17 is 15% of Rs.115!
Initially your money will grow at a slow rate. But once the money grows to a big amount the rate of growth will be very very very high! So, basically you need a lot of time to reach a very very high rate of growth
Just to give you an idea, if you invest Rs.1 now. You let it grow for 30 years at 15% rate, at the end of 30 years you will have Rs.67! For every one rupee you invest you will have Rs.67, 30 years from now!
rule of 72 is a quick way to estimate how long it will take you to double your money through compounding. You simply divide the number 72 by the yearly interest rate you plan to earn on your investment. Your investment’s expected annual return is 6%. Using the rule of 72, you will double your money in 12 years
Credit card use compound interest against you. That’s why paying minimum payments are likely to keep you in debt foreever.
NSC is compounded half-yearly . PPF is compounded yearly
Gold is attractive and highly valued metal which has been known since 5500 years.
Before buying decide..
Do u want real gold or only exposure to gold. Ie either buy physical or Gilt funds
Where would you store gold. Home. Safe
-ETF Funds can be used for investment
Sundaram Gilt Fund - Regular Plan. 1Year return of 10-12%
https://www.valueresearchonline.com/
Difference between NSC and PPF
- NSC is a post-office savings scheme while the PPF was established by the central government, both backed by govt of india.
The only difference is in the way it is computed. PPF is compounded annually. NSC is compounded half-yearly (twice a year)
Let's say on April 1, 2010, you invested Rs 30,000 in PPF and the same amount in NSC.
On April 1, 2011, your PPF account will have Rs 32,400 while your NSC will have Rs 32,448.
You can take loan from your PPF Account.
NSC can be liquidated at any time on the principle amount.
Both these investments fall under Section 80C. The interest accrued on NSC is taxable. PPF interest is tax free.
PPF account to be opened from any nationalized bank. NSC to be bought from Post office
Debt product, Debt Market, Debt Insturment
Debt fund is unsafe if bank goes bankrupt
-Secured Debt and Unsecured Debt. Secured Debt has a collateral like a house, car. Unsecured debt is like Personal Loan, Credit card loan
-Bonds
- National Highway Authority
- Indian Railway Finance
- Power Finanance
Big growth if held for longer duration. At least for 5 years
It has a high level of risk
Buy through Secondary market (from Stock Exchange) or from primary market by applying for shares that are offered to public
Choose the right company. Analyze the company performance from its quarterly results, annual reports and news articles.
Get yourself a good broker, Open a Demat account, understand the Settlement System, Make dummy trades to get a idea of trading
Types of Trade
Day Trading
Lets look at an example, A person invested 100000/- Rs on 1st January 2003. and held till 30th aug 2014 for 11 years.
From 2003 to 2007 has fetched approx 14 lacs. Thereafter global crisis from 2008 to 2009 made the investment almost half. Ie 7 lacs.
People who invested in 2008 havent received much till the end of 2011 for 3 years
People who stayed invested got 25 lacs at the end of 21 years
Monitor the market continuously
Day traders can do dozens of trade in a day
Savvy traders could turn profits quickly
Position Trading
Good for people who want to involve in trading but run short of time
They keep the stock for months awaiting any change in price
They keep up with fundamental and technical analysis as well
They apply a long term strategy
Capitalization: Market Capitalization is Total Shares in Market * NAV
NAV (Net Asset Value)
it is the time and not the timing that matters
We earn regularly. We spend regularly. Shouldn’t we also invest regularly?
All we need is a blend of income, time and discipline.
We’ve income and time, all we need is discipline.
An SIP is like operating a recurring deposit account with a mutual fund.
There is no compound interest forumula for MF as they are calculated bases on unit and NAV(Net Asset Value)
MidCap, Large Cap, Small Cap (Less than 50 billion small cap, 50 to 200 is Mid cap, 200 to 3500 large cap)
- Sectorial investment in Power, Pharma, IT industry or Gold funds.
I can buy shares or mutual funds bit by bit. I can’t buy property square feet by square feet.
the holding period for shares to ensure zero long-term gains tax is one year. For property, it is three years, and that too only if I invest the gains again in property.
-shares can be sold in a jiffy’ property can take months to sell.
If ELSS broken after 3 years it gives return as per current market rate. Whereas ULIP has lock in of 5 years but if broken then 30% more charges is decucted
ULIP like HDFC Standard Life or ICICI Prudential, Canara hsbc Life Insurance
-Both are tax-exempted
If One time investement done of Rs. 5000 in year 2012 then it could be Rs 89208/- now
If monthly investdes Rs 5000 in year 2012 then it could be Rs. 1094709/- now
-endowment plan does is to provide a death benefit as well as a maturity benefit. It invest in bonds
Ulip invest to equity or debt
Endowment plan returns a guranteed returns at the end of policy term. Ulip returns depends upon market situation.
Withdrawal can be done from ULIP within specified intervals, but endowment returns at the end of maturity.
There is always agent commission goes from your premium.
ULIPs are insurance products, where as mutual funds are managed by fund house to invest in the market.
Today a flat of Rs 23 lacks will be of 1 Crore in 25 years
Fortune favors the brave. Higher the risk higher the returns