This document provides information about investment options in India including mutual funds. It discusses key investment considerations like safety, returns, and liquidity. Various investment instruments are compared based on return, risk, capital appreciation, and liquidity. Mutual funds are highlighted as offering moderate risk and high returns due to professional management and diversification. The benefits of mutual funds like low costs and flexibility are outlined. The document also discusses challenges of direct investment in capital markets and how mutual funds work. It provides an overview of different types of mutual fund schemes and products based on risk tolerance.
Retirement Planning is the process of determining and accumulating the retirement corpus one would require to live a comfortable life after the paid work life ends.
The ultimate goal of retirement planning is to achieve financial independence.
Objectives-
To cover medical expenses and be prepared for medical emergencies.
To create regular income sources after retirement.
To deal with any kind of uncertainities.
As the Indian economy will mature, the interest rate and stock market return will continue to moderate resulting in lower return from investment.
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What is SIP? (Systematic Investment Planning) slideshareLatin Manharlal
Systematic Investment Plan (SIP) is an approach to investing small amounts at regular intervals rather than investing lump sum amount at one time.
Considered to be the safest way to invest into Equity Markets by going the SIP route, Investor is not trying to capture the Highs and lows of the market, but trying to average the cost by investing at regular interval.
Concept is that, When the markets fall investor gets more units. Likewise investor acquires lesser units when the market goes up. This means that investor buys less when the price is high and investor buys more when the price is low. Hence the average cost per unit falls down over a period of time.
Financial Markets - Money market-Organized and Unorganized-Sub markets
Capital market- Primary market-IPO-FPO- NFO, Book Building-Right Issue-Private placement- Bonus issue-Buyback
Secondary Market-Stock exchanges- Role and functions of Stock Exchanges- BSE-NSE.
Regulatory authorities and their functions – RBI, SEBI
Retirement Planning is the process of determining and accumulating the retirement corpus one would require to live a comfortable life after the paid work life ends.
The ultimate goal of retirement planning is to achieve financial independence.
Objectives-
To cover medical expenses and be prepared for medical emergencies.
To create regular income sources after retirement.
To deal with any kind of uncertainities.
As the Indian economy will mature, the interest rate and stock market return will continue to moderate resulting in lower return from investment.
Thank You For Watching
Subscribe to DevTech Finance
What is SIP? (Systematic Investment Planning) slideshareLatin Manharlal
Systematic Investment Plan (SIP) is an approach to investing small amounts at regular intervals rather than investing lump sum amount at one time.
Considered to be the safest way to invest into Equity Markets by going the SIP route, Investor is not trying to capture the Highs and lows of the market, but trying to average the cost by investing at regular interval.
Concept is that, When the markets fall investor gets more units. Likewise investor acquires lesser units when the market goes up. This means that investor buys less when the price is high and investor buys more when the price is low. Hence the average cost per unit falls down over a period of time.
Financial Markets - Money market-Organized and Unorganized-Sub markets
Capital market- Primary market-IPO-FPO- NFO, Book Building-Right Issue-Private placement- Bonus issue-Buyback
Secondary Market-Stock exchanges- Role and functions of Stock Exchanges- BSE-NSE.
Regulatory authorities and their functions – RBI, SEBI
A mutual fund is a pool of money managed by a professional Fund Manager. It is a trust that collects money from a number of investors who share a common investment objective and invests the same in equities, bonds, money market instruments .
How To Start Investing In Mutual Funds | Mutual Fund Guide | Mutual Fund For ...WealthBucket
In this video, you all got to know about mutual fund investment. If you have no idea about the mutual funds & you are a beginner & also want to start investing in mutual funds, this mutual fund guide will help you to understand about mutual funds, type of mutual funds, about their returns & risk, benefits of SIP and many more.
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What might I learn?
A way to engage all in creating Inclusive Excellence. Lessons from the US military and their parallels to the story of Harry Potter. How belt systems and CI teams can destroy inclusive practices. How leadership language invites people to the party. There are three things leaders can do to engage everyone every day: maximizing psychological safety to create environments where folks learn, contribute, and challenge the status quo.
Who might benefit? Anyone and everyone leading folks from the shop floor to top floor.
Dr. William Harvey is a seasoned Operations Leader with extensive experience in chemical processing, manufacturing, and operations management. At Michelman, he currently oversees multiple sites, leading teams in strategic planning and coaching/practicing continuous improvement. William is set to start his eighth year of teaching at the University of Cincinnati where he teaches marketing, finance, and management. William holds various certifications in change management, quality, leadership, operational excellence, team building, and DiSC, among others.
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India Orthopedic Devices Market: Unlocking Growth Secrets, Trends and Develop...Kumar Satyam
According to TechSci Research report, “India Orthopedic Devices Market -Industry Size, Share, Trends, Competition Forecast & Opportunities, 2030”, the India Orthopedic Devices Market stood at USD 1,280.54 Million in 2024 and is anticipated to grow with a CAGR of 7.84% in the forecast period, 2026-2030F. The India Orthopedic Devices Market is being driven by several factors. The most prominent ones include an increase in the elderly population, who are more prone to orthopedic conditions such as osteoporosis and arthritis. Moreover, the rise in sports injuries and road accidents are also contributing to the demand for orthopedic devices. Advances in technology and the introduction of innovative implants and prosthetics have further propelled the market growth. Additionally, government initiatives aimed at improving healthcare infrastructure and the increasing prevalence of lifestyle diseases have led to an upward trend in orthopedic surgeries, thereby fueling the market demand for these devices.
Remote sensing and monitoring are changing the mining industry for the better. These are providing innovative solutions to long-standing challenges. Those related to exploration, extraction, and overall environmental management by mining technology companies Odisha. These technologies make use of satellite imaging, aerial photography and sensors to collect data that might be inaccessible or from hazardous locations. With the use of this technology, mining operations are becoming increasingly efficient. Let us gain more insight into the key aspects associated with remote sensing and monitoring when it comes to mining.
Affordable Stationery Printing Services in Jaipur | Navpack n PrintNavpack & Print
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Unveiling the Secrets How Does Generative AI Work.pdfSam H
At its core, generative artificial intelligence relies on the concept of generative models, which serve as engines that churn out entirely new data resembling their training data. It is like a sculptor who has studied so many forms found in nature and then uses this knowledge to create sculptures from his imagination that have never been seen before anywhere else. If taken to cyberspace, gans work almost the same way.
The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
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Explore our most comprehensive guide on lookback analysis at SafePaaS, covering access governance and how it can transform modern ERP audits. Browse now!
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
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RMD24 | Debunking the non-endemic revenue myth Marvin Vacquier Droop | First ...BBPMedia1
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Retail media wordt gezien als het nieuwe advertising-medium en ook mediabureaus richten massaal retail media-afdelingen op. Merken die niet in de betreffende winkel liggen staan ook nog niet in de rij om op de retail media netwerken te adverteren. Marvin belicht de uitdagingen die er zijn om echt aansluiting te vinden op die markt van non-endemic advertising.
3. Your Investment Menu Card
Instrument Return Duration
Recurring/saving
deposit
8.5 % / 4% Short term
Post Office deposit 8.40% Long Term
NSC 8.5% Long Term
KVP 8.7% Long Term
FD’s – Banks 8.50% Long Term
Senoir Citizen
Savings Scheme
9% Long Term
Mutual Funds Market
Linked(50%)
Long Term & Short
Term
Debenture Market Linked(12%) Medium Term
Direct Equity Market Linked(30%) Long Term
Gold Market Linked(5%) Short Term
Real Estate Market Linked(14%) Long Term
4. Cost of money lying …..
Particulars Fixed
Deposits
Savings
Account
Idle
Money
Investment Amount + 100000 100000 100000
Interest earned in 1 year
(@8.5/4% per annum)
+ 8500 4000 ----
Total 108500 104000 ----
Tax on Interest (@30) _ 2550 1200 ----
Impact of Inflation (@5% per
annum)
_ 5000 5000 5000
Value at the end of year 1 100950
+950
97800
-2200
95000
-5000
6. Comparative analysis of various investments
Particulars Risk (low 3) Return(high
3)
Capital
Appreciation
(high 3)
Liquidity(hig
h 3)
Weighted
marks(12)
Bank Deposits Low Low Nil High 7
KVP/NSC Low Nil Low High 7
Mutual Fund Moderate High High High 11
Equity Share High Low High High 8
Debentures Low High Nil Low 7
Real Estate Low Nil High Low 7
Gold Low Nil Moderate Nil 5
8. What is Mutual Fund
A mutual fund is the trust that pools the savings of a
number of investors who share a common financial
goal.
Anybody with an investible surplus of as little as a
few hundred rupees can invest in Mutual Funds.
The money thus collected is then invested by the fund
manager in different types of securities. It reduce risk
as minimum as possible.
It gives the market returns and not assured returns.
9. Structure of Mutual Fund
Custodian keeps safe custody of the investments (related documents of securities invested).
10. How Mutual Fund works?
A vehicle for investing in portfolio of stocks and bonds
13. Mutual Fund- How to invest in Mutual Funds
Selection Process- 3 step process
Step 1 Identify your
investment needs
1. Investor objective
2. Risk bearing
capability
3. Investible fund
Step 2 Choose the
right mutual fund.
1. Good track record of
Mutual Fund
company
2. Service promptness
3. Operation
Transparency
Step 3 Select the
ideal mix of schemes
1. Select the scheme
to meet all your
investment
objective
2. Choose
combination of
scheme
14.
15. Types of Mutual Fund Scheme
Basic funds
Open ended mutual fund:
Investor can purchase and sold the fund from mutual fund
company at any time.
Closed ended fund:
Investor can purchase the fund from mutual fund company.
later it transacted through stock exchange.
16. • Growth fund
• Income fund
• Balanced fund
• Gilt fund
• Money market fund
• Index fund
• Fund of fund
• Sector based fund
• Tax savings fund
• Exchange traded fund
Types of Mutual Funds
17. How do make money from a mutual fund?
1. Capital appreciation:
If investor made investment in equity based scheme it will
offer capital appreciation based on company and industry
performance.
2. Dividend Income:
It will have earn dividend income from the shares
3.Coupen Income:
Fund will earn interest from bonds, debenture and money
market securities
18. Mutual Fund Products – Risk / Return Graph
Lo Med Hi
Liquid fund
Money market funds
Gilt & Bond Funds
Income fund
Hybrid fund
Lo Med Hi
Index Fund
Fund of funds
Balanced Funds
Diversified Funds (ELSS)
Sectoral Funds
Debt Equity
>> Risk << >> Risk <<
>>Return<<
>>Return<<
19. Suggested Portfolio based on Risk tolerance
Aggressive Plan Moderate Plan
Conservative Plan
Growth Schemes Income Schemes Balanced Schemes
Money Market Schemes
This plan may suit:
•Investors in their prime earning years and willing
to take more risk
•Investors seeking growth over a long term
This plan may suit:
•Investors seeking income and moderate
growth
•Investors looking for growth and
stability with moderate risk
This plan may suit:
•Retired and other investors who need to
preserve capital and earn regular income
20. Investment in Mutual Fund through SIP & One
time investment
SIP – Systematic Investment Plan
…it is a method of investing a fixed sum, at a regular interval, in a mutual fund.
It is very similar to monthly saving schemes like a recurring monthly deposit / post
office deposit
One time Investment
Investor invest Lump sum amount at one time .
21. Particulars SIP One time
investment
Investment Amount + 100000 100000
Return from investment + 92343 77777
Total 192343 177777
Tax on Income(@)25.125% _ 23201 19541
Impact of Inflation (@5% per
annum)
_ 5000 5000
Value at the end of year 1 64% 164142 53% 153236
SIP and One Time Investment Return comparison(Rs.100000
at 1 year 2014 April to 2015 march)
22. Types of risks associated with Mutual Fund
Investment
Risk is an inherent aspect of every form of investment. For Mutual Fund
investments, risks would include variability, or period-by-period fluctuations in
total return.
Market risk: At times the prices or yields of all the securities in a particular
market rise or fall due to broad outside influences. This change in price is due to
'market risk'.
Inflation risk: Sometimes referred to as 'loss of purchasing power'. Whenever
the rate of inflation exceeds the earnings on your investment, you run the risk
that you'll actually be able to buy less, not more.
Credit risk: In short, how stable is the company or entity to which you lend
your money when you invest? How certain are you that it will be able to pay the
interest you are promised, or repay your principal when the investment matures?
Interest rate risk: Interest rate movements in the Indian debt markets can be
volatile leading to the possibility of large price movements up or down in debt
and money market securities and thereby to possibly large movements in the
NAV.
23. Challenges for mutual fund Industry
• No guarantee for return
• Management of Risk
• Fees and commission
• Investor Education
• Technology Backbone
• Trading limitation
• Loss of control
24. Mutual Fund: How to buy?
Identify ‘What to Buy’
Banks,
Financial Svc.
Cos.,
Brokers,
Individual Agents
26. Conclusion
• Indian Mutual Fund have emerged as strong Financial
intermediaries and they play significant role in bringing stability
into the financial system and efficiently collect and allocated the
resources for the development of economy.
• Mutual fund and financial institution contribute 8.7% in GDP, it
utilize 7.71% of household savings and it also offer employment
opportunity to general pubic.
• Finally Investor utilize this opportunity based on their objective
and get reasonable return.