This newsletter discusses savings and investment planning. It emphasizes the importance of adequate savings to meet long-term financial goals with low risk. It profiles a client, Rajath, who was concerned about retirement. The advisor suggested he invest in a SIP for an "angel kid" which would grow to support his retirement. As of 2020, the "angel kid's" investments of Rs. 14.9 lakhs had grown to Rs. 38.46 lakhs. The newsletter encourages others to create an "angel kid" portfolio through SIP to fund their retirement. It also provides market indicators and answers questions about risk ratings and fixed income mutual fund options.

1. JUSTTHEFACT
Monthly Newsletter by Just Invest Online
VOLUME 04, 10/20OCT
Dear Readers,
I wish you a very happy and prosperous Diwali. Let us make this Diwali -
savings waali !
In this October issue of my Newsletter, I have picked the most important topic
which is the basic of any Wealth building -SAVINGS .
Yes,most of us do not save adequately enough to meet our long terms financial
requirements and dreams.Such shortfall in savings,actually prompts investors
to take unnecessary Risk in their investments. Those who can save adequately
well for their investments, can achieve most of their financial requirements
with low to moderate Risk products
Please read the inspiring case story of the month, which is my real time
experience and very close to my heart. Our product team has added some
useful 'learnings' in our INVESTMENT GYAN section. Hope you will like the
contents and enjoy the readings.
Best Wishes
,
INSIDE
1 Investment Gyan
2 Case Story
3 Market
Indicators
4 Q & A
fromeditor'sdesk
Chetan Jain , Managing Partner,
Just Invest Online

2. Debt : Equity Ratio < 20%
There is a Saying, “ IF YOU FAIL TO PLAN, YOU PLAN TO FAIL” .. i.e. “If you fail to
plan, you are planning to fail.”Finance is a very integral part of our lives. We work
hard all throughout, fulfilling wishes like buying a house, going on a dream vacation,
children’s marriage, child’s education and much more. But all the hard work will not
have any significance if one doesn’t make a proper Goal plan for their future. A
proper plan of investments Mix that will give good yields at proper time is a must for
everyone. We at Just Invest Online will help you in every step of executing your plan,
with safe & secure online investing platform. With over 15 years of existence in the
Financial industry, we have helped our clients in hassle free execution and easy to
track valuation tools. We have helped our clients in terms of incidental advice and
suitability test, to pick up right investment choices at the appropriate time. We at
Just Invest Online are thorough professionals and believe only in giving our best to
the client. That’s why, the team ensures to be in sync with the latest happenings of
the industry and updating the same to customer and also we ensure that our clients
have the ease to access their portfolio and are aware of the investments made in few
easy clicks.
Any questions related to investments ? Do you want to
get your Investment Suitability test done for free ? Do
you want to execute your financial plan through new
products or existing products ? Visit our website
www,jiol.in or E mail at info@justinvestonline.com
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Our Objective
To provide our customers of Just Invest
Online one of the best Online Platforms
(via Website and Mobile App) to Transact
and Manage their financial Portfolio and
at the same time to handhold our clients
to achieve their life goals with right
instruments and right product Mix,

3. TALK TO US AT : 12345677777
CHAPTER1
Investment Gyan - How to correct your Finances ?
If answer to any of the above question is 'No' - then you must correct that area by way of
more learning or proper help from your Investment Advisor.
We at JIO ( Just Invest Online) are here to execute any of your transactions at a click, and
offer you hassle free services
You can even mail us at : info@justinvestonline.com to get the appropriate learning
material related to each of the above 'Questions'
CONTD..

4. I H O W T O G E T T H E B E S T F R O M T H E E Q U I T Y F U N D ?
India's major indices - NIFTY , which consist of 50 large companies, has recovered
phenomenally in last 6 months It recovered from its low of 7,610 on 23rd March 20 to
11,449 on 10th Sept '20. Contrary to this, our GDP has contracted by 23.9% during the
single quarter. What should be the inference of these numbers ? Should we look at
profit booking from our portfolio equity or should go for additional investments ?
The high correlation between India’s GDP
and stock market performance existed
many years ago. But over the last 18 years,
the correlation has been steadily coming
off. In the last 6-7 years, the correlation is
almost statistically negligible, says Somnath
Mukherjee, managing partner and chief
investment officer at ASK Investment
Managers
In past few years, India’s networked economy like- highways, cheap flights, broadband,
GST etc has allowed large, efficient firms to use superior technology and better access to
capital to squash smaller competitors. As a matter of fact we have witnessed that Top 20
business houses in India contributes to more than 70% of the country's profit. Deep drilling
of these companies will tell you that almost all these companies exists in NIFTY & SENSEX.
And this is the reason that NIFTY and SENSEX is showing continuous rise despite the
slagness in profits of other companies.
So what does it mean ?
This means that falling GDP is not a single indicator to decide your Equity allocation or
investment timing. At one place where COVID has affected the general business sales &
consumptions, on the other hand it has given way to faster growth for smarter companies.
These SMARTER companies have gone fully digital to cut down the cost of team and client
management; companies are saving a lot on rental premises and unproductive office
spaces. Most of these companies have adopted the WFH ( Work from home ) culture
efficiently and are saving big on fuel & conveyance
A SMART investor need to ensure that his/her equity portfolio consist of such SMART
companies

5. TALK TO US AT : +91 -98864 41717
Yes, this is a very interesting story of Rajath, 50 years Old working executive , who has two
kids - Aditya and Anil aged 19 yrs and 15 yrs respectively
We met in the year 2008, through a reference, when he was 38 and his Kids were in the age of
7 & 3 respectively. His key topic of discussion was Financial Planning and Retirement planning.
During the counselling session , he shared his emotions and feelings related to post retirement
lifestyle
His main concern was " what if all my Kids settle abroad or anywhere away from me, post
retirement ?". Technically , he was worried about his post retirement life in both emotional
terms and financial terms
Chapter 2 :
Story of an ANGEL KID, adopted
by Rajath for his post Retirement
help
CONTD..

6. CONTD..
When it came to investments, Rajath allocated some recurring plans through MF SIP . I
calculated an estimated investment amount for this monthly SIP, in order to meet out the
financial requirement of education of both the Kids
SIP I S T H E BEST WAY OF INVESTING
FOR R E T A I L I N VESTORS:
A Systematic Investment Plan or SIP is an
investment tool that helps ordinary individuals
invest amounts as small as Rs. 500 per month
in a slow and steady manner in equities,
debts, and other asset classes. As the name
suggests, these plans focus on generating
steady returns through systematic
investments
That's when I floated an idea of third Kid to Rajath ! An ANGEL KID - just imaginary
I suggested Rajath , to invest some recurring amount in the name of this ANGEL KID , similar to
what you are investing for the other two Kids. This ANGLE KID will take care of all your
Retirement - of course not emotionally but 100% financial. After proper discussion and product
selection , he started a SIP investment of Rs 10000 per month starting from Jan 2008
( See scheme names and details as given below)

7. As on 30th Oct 2020, when we are discussing the results , this ANGELS KIDS investments of Rs
14.90 lacs ( fourteen lacs ninety thousand only) has become Rs 38.46 Lacs ( see the table
below)
Assuming a future growth of 12% p.a , this same fund will become Rs 1.19 crores in another 8
years . If Rajath will continue with his SIP of Rs 10,000/= for next 8 years, his ANGLE's KIDS
corpus will become Rs 1,35,62,483 ( approximately). This corpus will take care of his Retired
life and all his financial expenses comfortably
THis inspiring and different case story of RAJATH is a reference model for all investors who
save for KIDS eduction but miss on their ANGELS KID. Create your ANGEL KID today and start
investing in his folio to take care of your Old age
Contact us at :
info@justinvestonline.com or call at 98864 41717 to order for any of the SIP related investments - we don't charge
any fees !
Disclosures : We are registered distributor of various Mutual Fund and Insurance products. One should note that
past performance of any scheme is not the guarantee of its future performance

8. CHAPTER3
Market Indicators
CONTD..

9. Contd..

10. Q&ACORNER
Q : What is this New Risko meter as assigned by
SEBI ?
Questions Posted on our Social Media
FB/justinvest | Linkedien/justinvest
98864 41717
info @justinvestonline.com
www.jiol.in
App : justinvestonline
Market regulator Securities and Exchange Board of
India (SEBI) has a system of product labelling in
place that ensures the investor makes investments
in mutual fund schemes that correspond to the
investor’s risk profile. The product labelling of
mutual funds is based on the concept of
‘Riskometer’ and this meter depicts the level of risk
in any specific mutual fund scheme.
The 6 kinds of risk that an MF carry are : i. Low Risk ii.
Low to Moderate Risk iii. Moderate Risk iv.
Moderately High Risk v. High Risk and vi. Very High
Risk
Q : What are your chrages for trading in a Mutual
Fund ?
As you know Mutual Fund can not Guarantee any
returns by its nature and structure. Since Mutual
Fund is a transparent and Marked to Market daily
NAV product, it may fluctuate in the returns.
However, if you are looking to invest in Low Risk
products to beat the returns of Bank FD, then you
should go for Debt Mutual Funds.
You can earn more than Fixed Deposits by investing
some of the best Debt Mutual Fund Schemes as
suggested by your advisor or can select on your own
from 'www.jiol.in'
Different schemes under Debt category are :
Money Market, Short-term and Banking & PSU
Funds. By investing in FD-like instruments from high
quality companies, these Funds can offer potential
to earn better than FD returns if you are looking for
low-risk investment option.
We don't charge anything directly for any of your
Mutual Fund Trade, because we are a MFD ( Mutual
Fund Distributor , who are being paid our
commission from the Mutual Fund Companies.
Q : Is there any Fixed Income Product in Mutual
Fund, which offers Guranteed return ?