This document summarizes the key features of the "Reliance SIP Insure" product which provides a unique facility to save, grow, and insure through systematic investment plans (SIPs). Some key points:
- It provides free life insurance cover on SIP installments up to Rs. 10 lakhs to encourage regular investing through SIPs.
- In the event of the investor's demise during the SIP tenure, the insurance cover will pay off remaining unpaid installments so the nominee can continue the planned investments.
- Eligible investors are individuals aged 20-45 years making a minimum Rs. 1000 monthly SIP for 3+ years through direct debit in eligible Reliance mutual fund schemes.
This document provides information about GIIS Financial, a financial services company located in Jamshedpur, India. It introduces Deepak Kr. Jha as the CEO and CAO and provides the company's contact information. The document outlines services offered such as financial planning, investment analysis, asset allocation, and portfolio monitoring. It also describes products the company can help with including mutual funds, bonds, insurance, and more. Customers are promised assistance with financial goals, risk assessments, taxes, and ongoing portfolio management.
This document provides information on Systematic Investment Plans (SIPs). It defines SIPs as a financial planning tool that helps create wealth by investing small sums regularly over time. SIPs allow investors to invest in mutual funds through smaller periodic investments like monthly installments instead of a large one-time investment. SIPs also help reduce risk through rupee cost averaging and benefit from the power of compounding returns. The document recommends SIPs as a means for investors to participate in market growth while diversifying risk.
This monthly newsletter provides financial advice and discusses recent market events and trends. It recommends dynamic asset allocation funds and multicap funds as good long-term investment options. It also provides an inspiring case study of an individual who was able to manage unexpected medical expenses through insurance and SIP investments. The newsletter analyzes market indicators for the previous month and notes that hybrid and equity funds with dynamic approaches saw high inflows from investors.
- Capital protection funds are a type of closed-ended hybrid mutual fund that aims to provide capital protection through investments in fixed income securities while also providing potential returns from equity investments.
- The fund invests majority of assets in highly rated fixed income instruments to guarantee return of capital at maturity. The remaining amount is invested in equities to enhance overall returns.
- Sundaram Mutual Fund has launched the Sundaram Capital Protection Oriented Fund Series 2, a 3 year close-ended fund that aims to invest over 80% in fixed income to guarantee capital and the rest in equities to boost potential returns.
This document compares equity mutual funds and public provident funds (PPF) for long-term investors. It defines both options and lists their key features. PPF provides guaranteed returns, tax benefits, and capital safety but has investment limits. Equity funds have no limits but carry risk. While PPF returns have historically matched equity indexes over 20 years, equity dividends were ignored and one period was examined. For long-term growth potential despite volatility, equity funds may be preferable to PPF for risk-tolerant investors. The conclusion is PPF is best for risk-averse investors, while equity funds could provide higher potential returns for those open to risk.
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 provides information about GIIS Financial, a financial services company located in Jamshedpur, India. It introduces Deepak Kr. Jha as the CEO and CAO and provides the company's contact information. The document outlines services offered such as financial planning, investment analysis, asset allocation, and portfolio monitoring. It also describes products the company can help with including mutual funds, bonds, insurance, and more. Customers are promised assistance with financial goals, risk assessments, taxes, and ongoing portfolio management.
This document provides information on Systematic Investment Plans (SIPs). It defines SIPs as a financial planning tool that helps create wealth by investing small sums regularly over time. SIPs allow investors to invest in mutual funds through smaller periodic investments like monthly installments instead of a large one-time investment. SIPs also help reduce risk through rupee cost averaging and benefit from the power of compounding returns. The document recommends SIPs as a means for investors to participate in market growth while diversifying risk.
This monthly newsletter provides financial advice and discusses recent market events and trends. It recommends dynamic asset allocation funds and multicap funds as good long-term investment options. It also provides an inspiring case study of an individual who was able to manage unexpected medical expenses through insurance and SIP investments. The newsletter analyzes market indicators for the previous month and notes that hybrid and equity funds with dynamic approaches saw high inflows from investors.
- Capital protection funds are a type of closed-ended hybrid mutual fund that aims to provide capital protection through investments in fixed income securities while also providing potential returns from equity investments.
- The fund invests majority of assets in highly rated fixed income instruments to guarantee return of capital at maturity. The remaining amount is invested in equities to enhance overall returns.
- Sundaram Mutual Fund has launched the Sundaram Capital Protection Oriented Fund Series 2, a 3 year close-ended fund that aims to invest over 80% in fixed income to guarantee capital and the rest in equities to boost potential returns.
This document compares equity mutual funds and public provident funds (PPF) for long-term investors. It defines both options and lists their key features. PPF provides guaranteed returns, tax benefits, and capital safety but has investment limits. Equity funds have no limits but carry risk. While PPF returns have historically matched equity indexes over 20 years, equity dividends were ignored and one period was examined. For long-term growth potential despite volatility, equity funds may be preferable to PPF for risk-tolerant investors. The conclusion is PPF is best for risk-averse investors, while equity funds could provide higher potential returns for those open to risk.
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.
The document provides an overview of the capital markets and the various financial products available within it. It begins with an introduction to basic financial concepts like savings, investing, budgeting, inflation, risk and return, and the power of compounding. It then describes various investment-related products like bank deposits, company fixed deposits, equity shares, debt instruments, mutual funds, insurance policies, pension plans, and loans. The document provides details on securities available in the capital market like equity shares, corporate bonds, and government securities. It explains that the capital market allows for channeling of savings into preferred businesses and projects through the issuance of various securities.
The document discusses why patience pays off for investors in equities over the long term. It provides several reasons why equities have consistently delivered higher returns than other asset classes over periods of 10-15 years. It emphasizes that short-term volatility in stock markets averages out over long periods. By staying invested for decades and not panicking over short-term dips, investors can earn high returns while facing minimal risk. It also highlights India's strong economic growth potential and improving social indicators, noting this bodes well for the country and stock market performance in the coming decades.
Wallet4wealth newsletter-jan-2022. In this news letter we have highlighted Union Budget 2022, Inspiring case stories, 5 must do SIPs for 2022, Market indicators etc. Finance minister Nirmala Sitharaman presented her Budget which was based on 7 key priorities.
A thorough analysis of company , industry and economy goes behind our stock ideas for you. With these picks, you may earn superior returns over a medium to long term period. Visit https://simplehai.axisdirect.in/share-stock-prices/nse/ITD-Cementation-India-Ltd-105 for more
Many Investors try to time the markets to achieve high returns. But since many of them doesn't have necessary expertise, they miserably failed in their attempts.
I just would like to highlight them, what difference it would make if they opted for SIP in Equity Mutual Funds for long term instead.
This document provides a guide to various tax saving investment instruments that offer low risk and high capital gains. It discusses the key features of tax free bonds, equity linked savings schemes (ELSS), Rajiv Gandhi equity savings scheme (RGESS), National Savings Certificates (NSC), Public Provident Fund (PPF), tax saver fixed deposits, life insurance, and health insurance. All of these instruments provide tax benefits under various sections of the Income Tax Act and allow investors to achieve their financial goals through long-term savings and investment.
This document discusses the benefits of systematic investment plans (SIPs) for mutual funds. SIPs allow investors to invest small, fixed sums regularly, which helps average out costs and take advantage of rupee cost averaging. By investing regularly over long periods, SIPs help compound returns and build wealth for the future in a disciplined manner. SIPs can be set up through post-dated checks or auto-debit from a bank account, making investments hassle-free. The benefits of SIPs include reduced risk, compounded returns, financial discipline, and helping investors accumulate wealth in a relaxed manner.
This document summarizes an insurance policy that allows policyholders to bear the investment risk of the investment portfolio. It offers a savings and protection plan with multiple investment choices and life insurance coverage to protect goals in case of death. The key points are:
- The policyholder bears the investment risk of the investment portfolio, which consists of various funds across risk levels.
- Policyholders cannot withdraw or surrender their investment for the first 5 years.
- The plan provides life insurance coverage and allows policyholders to continue their savings for goals even if they die, by waiving future premiums.
- Policyholders can choose their investment portfolio strategy between a fixed portfolio strategy with various fund options, or a life-
Wallet4wealth delivering you a monthly newsletter to manage your personal finance. When we are out with our latest issue of NEWSLETTER by the end of February 2022, world is watching yet another crisis ! Russia - Ukraine war.
As Indian stock market tanked around 5% on Thursday 24th Feb 2022 amidst Russia - Ukraine war situation, most investors got into panic and fear grip. By the time we are publishing this newsletter, the WAR crisis is more intensified and the peace talk is looking dim. The Crisis seems to take an ugly turn if NATO members unite together and push Russia to take some dangerous turn.
There are many political and expert comments available in free media which are providing live updates on the situations. However we have shared a special note related to this WAR situation and key reasons behind this Crisis. Understanding the key reason for any crisis gives you better control on your emotional decisions related to such event.
If you want to give any feedback you can suggest us in the comment box. Also do like and share to motivate us so that we will provide you latest information in our next Newsletter. For more update visit our website https://wallet4wealth.com/ . Thank You.
The monthly newsletter by seeman fiintouch LLP april 21 editionAshis Kumar Dey
READING THE MARKET PULSE DURING THIS COVID CRISIS
CASE STORY OF RAMESH, 37 YRS,WHO STARTED INVESTMENT HABIT AT THE AGE OF 27 ONLY
WHAT IS FUND OF FUND ( FOF) SCHEMES ? IS IT GOOD FOR ASSET ALLOCATION ?
Mutual funds presentation for jagoinvesor mumbai group july 24Manish Chauhan
This document provides an overview of mutual funds as an investment vehicle. It discusses key concepts like what a mutual fund is, how they are organized and operated, the advantages and disadvantages of investing in mutual funds. It also covers different types of mutual fund schemes, how to compute net asset value, common investment strategies, myths and facts about mutual funds. The document compares mutual funds to direct equity investments and outlines factors to consider when choosing a fund. It also includes information on the worldwide and Indian mutual fund industries as well as fund performance. The document warns about common mutual fund investment blunders and provides an overview of mutual fund taxation.
Reliance Nippon Life Asset Management LtdAxis Direct
A thorough analysis of company , industry and economy goes behind our stock ideas for you. With these picks, you may earn superior returns over a medium to long term period. Visit https://simplehai.axisdirect.in/share-stock-prices/nse/Reliance-Nippon-Life-Asset-Management-Ltd-12622 for more
Important Calculations In Personal FinanceManish Chauhan
this presentation will teach some basic formula's every person should know for his personal finance needs . So that he can calculate some basic things himself .
This document compares National Pension Scheme (NPS), Public Provident Fund (PPF), and equity mutual funds (EMFs) as investment options for retirement planning. It outlines the key features of NPS, PPF, and EMFs and provides an example allocation over time from ages 25-55 that decreases allocation to EMFs and increases allocation to NPS and PPF as risk tolerance decreases with age. The document concludes that a diversified portfolio across these options tailored to one's time horizon and risk tolerance provides the best approach for retirement planning.
A thorough analysis of company , industry and economy goes behind our stock ideas for you. With these picks, you may earn superior returns over a medium to long term period. Visit https://simplehai.axisdirect.in/share-stock-prices/nse/GMM-Pfaudler-Ltd-888 for more
SIP, STP, and SWP are three common investment plans used in mutual funds. SIP allows investing a fixed amount regularly in a mutual fund scheme. STP transfers funds from one mutual fund scheme to another systematically. SWP allows withdrawing a fixed amount from a mutual fund scheme regularly. All three plans provide benefits like rupee cost averaging and tax efficiency. SIP is best for initial investments, STP for rebalancing portfolios, and SWP for exiting investments while receiving monthly income.
The monthly newsletter by seeman fiintouch LLP February 2022Ashis Kumar Dey
- The document discusses the Russia-Ukraine war and its impact on the stock market. It saw an initial dip of around 5% but has since stabilized.
- It encourages investors to not panic and liquidate investments during the crisis. Rather, it suggests using the opportunity to buy more at lower prices.
- Historically, markets have rebounded after crisis events end. The newsletter suggests remaining invested and using SIP to benefit from downturns.
The document discusses how mutual funds can beat market volatility. It identifies two mutual funds that have done so: ICICI Prudential Focussed Bluechip and Franklin India Bluechip. ICICI Prudential Focussed Bluechip has outperformed its benchmark 11 out of 12 quarters and performed better in bear markets. Franklin India Bluechip has outperformed its benchmark 40 out of 70 quarters and also performed better in bear markets. Both funds have consistently outperformed other large cap funds over long periods of time.
Axis Direct presents daily derivatives report presenting recommendations based on technical analysis. For trading in derivatives visit https://simplehai.axisdirect.in/offerings/products/derivatives
An unemployed man is offered a janitor position at Microsoft but is denied the job when he tells the HR chief he does not have an email address. Struggling with only $10 left, he decides to buy and sell strawberries door-to-door, doubling his money each time. Through hard work and expanding his business over 5 years, he builds one of the largest food chains in the US. He is reminded that without an email at the start, he could have been cleaning toilets at Microsoft instead of his success.
The document provides an overview of the capital markets and the various financial products available within it. It begins with an introduction to basic financial concepts like savings, investing, budgeting, inflation, risk and return, and the power of compounding. It then describes various investment-related products like bank deposits, company fixed deposits, equity shares, debt instruments, mutual funds, insurance policies, pension plans, and loans. The document provides details on securities available in the capital market like equity shares, corporate bonds, and government securities. It explains that the capital market allows for channeling of savings into preferred businesses and projects through the issuance of various securities.
The document discusses why patience pays off for investors in equities over the long term. It provides several reasons why equities have consistently delivered higher returns than other asset classes over periods of 10-15 years. It emphasizes that short-term volatility in stock markets averages out over long periods. By staying invested for decades and not panicking over short-term dips, investors can earn high returns while facing minimal risk. It also highlights India's strong economic growth potential and improving social indicators, noting this bodes well for the country and stock market performance in the coming decades.
Wallet4wealth newsletter-jan-2022. In this news letter we have highlighted Union Budget 2022, Inspiring case stories, 5 must do SIPs for 2022, Market indicators etc. Finance minister Nirmala Sitharaman presented her Budget which was based on 7 key priorities.
A thorough analysis of company , industry and economy goes behind our stock ideas for you. With these picks, you may earn superior returns over a medium to long term period. Visit https://simplehai.axisdirect.in/share-stock-prices/nse/ITD-Cementation-India-Ltd-105 for more
Many Investors try to time the markets to achieve high returns. But since many of them doesn't have necessary expertise, they miserably failed in their attempts.
I just would like to highlight them, what difference it would make if they opted for SIP in Equity Mutual Funds for long term instead.
This document provides a guide to various tax saving investment instruments that offer low risk and high capital gains. It discusses the key features of tax free bonds, equity linked savings schemes (ELSS), Rajiv Gandhi equity savings scheme (RGESS), National Savings Certificates (NSC), Public Provident Fund (PPF), tax saver fixed deposits, life insurance, and health insurance. All of these instruments provide tax benefits under various sections of the Income Tax Act and allow investors to achieve their financial goals through long-term savings and investment.
This document discusses the benefits of systematic investment plans (SIPs) for mutual funds. SIPs allow investors to invest small, fixed sums regularly, which helps average out costs and take advantage of rupee cost averaging. By investing regularly over long periods, SIPs help compound returns and build wealth for the future in a disciplined manner. SIPs can be set up through post-dated checks or auto-debit from a bank account, making investments hassle-free. The benefits of SIPs include reduced risk, compounded returns, financial discipline, and helping investors accumulate wealth in a relaxed manner.
This document summarizes an insurance policy that allows policyholders to bear the investment risk of the investment portfolio. It offers a savings and protection plan with multiple investment choices and life insurance coverage to protect goals in case of death. The key points are:
- The policyholder bears the investment risk of the investment portfolio, which consists of various funds across risk levels.
- Policyholders cannot withdraw or surrender their investment for the first 5 years.
- The plan provides life insurance coverage and allows policyholders to continue their savings for goals even if they die, by waiving future premiums.
- Policyholders can choose their investment portfolio strategy between a fixed portfolio strategy with various fund options, or a life-
Wallet4wealth delivering you a monthly newsletter to manage your personal finance. When we are out with our latest issue of NEWSLETTER by the end of February 2022, world is watching yet another crisis ! Russia - Ukraine war.
As Indian stock market tanked around 5% on Thursday 24th Feb 2022 amidst Russia - Ukraine war situation, most investors got into panic and fear grip. By the time we are publishing this newsletter, the WAR crisis is more intensified and the peace talk is looking dim. The Crisis seems to take an ugly turn if NATO members unite together and push Russia to take some dangerous turn.
There are many political and expert comments available in free media which are providing live updates on the situations. However we have shared a special note related to this WAR situation and key reasons behind this Crisis. Understanding the key reason for any crisis gives you better control on your emotional decisions related to such event.
If you want to give any feedback you can suggest us in the comment box. Also do like and share to motivate us so that we will provide you latest information in our next Newsletter. For more update visit our website https://wallet4wealth.com/ . Thank You.
The monthly newsletter by seeman fiintouch LLP april 21 editionAshis Kumar Dey
READING THE MARKET PULSE DURING THIS COVID CRISIS
CASE STORY OF RAMESH, 37 YRS,WHO STARTED INVESTMENT HABIT AT THE AGE OF 27 ONLY
WHAT IS FUND OF FUND ( FOF) SCHEMES ? IS IT GOOD FOR ASSET ALLOCATION ?
Mutual funds presentation for jagoinvesor mumbai group july 24Manish Chauhan
This document provides an overview of mutual funds as an investment vehicle. It discusses key concepts like what a mutual fund is, how they are organized and operated, the advantages and disadvantages of investing in mutual funds. It also covers different types of mutual fund schemes, how to compute net asset value, common investment strategies, myths and facts about mutual funds. The document compares mutual funds to direct equity investments and outlines factors to consider when choosing a fund. It also includes information on the worldwide and Indian mutual fund industries as well as fund performance. The document warns about common mutual fund investment blunders and provides an overview of mutual fund taxation.
Reliance Nippon Life Asset Management LtdAxis Direct
A thorough analysis of company , industry and economy goes behind our stock ideas for you. With these picks, you may earn superior returns over a medium to long term period. Visit https://simplehai.axisdirect.in/share-stock-prices/nse/Reliance-Nippon-Life-Asset-Management-Ltd-12622 for more
Important Calculations In Personal FinanceManish Chauhan
this presentation will teach some basic formula's every person should know for his personal finance needs . So that he can calculate some basic things himself .
This document compares National Pension Scheme (NPS), Public Provident Fund (PPF), and equity mutual funds (EMFs) as investment options for retirement planning. It outlines the key features of NPS, PPF, and EMFs and provides an example allocation over time from ages 25-55 that decreases allocation to EMFs and increases allocation to NPS and PPF as risk tolerance decreases with age. The document concludes that a diversified portfolio across these options tailored to one's time horizon and risk tolerance provides the best approach for retirement planning.
A thorough analysis of company , industry and economy goes behind our stock ideas for you. With these picks, you may earn superior returns over a medium to long term period. Visit https://simplehai.axisdirect.in/share-stock-prices/nse/GMM-Pfaudler-Ltd-888 for more
SIP, STP, and SWP are three common investment plans used in mutual funds. SIP allows investing a fixed amount regularly in a mutual fund scheme. STP transfers funds from one mutual fund scheme to another systematically. SWP allows withdrawing a fixed amount from a mutual fund scheme regularly. All three plans provide benefits like rupee cost averaging and tax efficiency. SIP is best for initial investments, STP for rebalancing portfolios, and SWP for exiting investments while receiving monthly income.
The monthly newsletter by seeman fiintouch LLP February 2022Ashis Kumar Dey
- The document discusses the Russia-Ukraine war and its impact on the stock market. It saw an initial dip of around 5% but has since stabilized.
- It encourages investors to not panic and liquidate investments during the crisis. Rather, it suggests using the opportunity to buy more at lower prices.
- Historically, markets have rebounded after crisis events end. The newsletter suggests remaining invested and using SIP to benefit from downturns.
The document discusses how mutual funds can beat market volatility. It identifies two mutual funds that have done so: ICICI Prudential Focussed Bluechip and Franklin India Bluechip. ICICI Prudential Focussed Bluechip has outperformed its benchmark 11 out of 12 quarters and performed better in bear markets. Franklin India Bluechip has outperformed its benchmark 40 out of 70 quarters and also performed better in bear markets. Both funds have consistently outperformed other large cap funds over long periods of time.
Axis Direct presents daily derivatives report presenting recommendations based on technical analysis. For trading in derivatives visit https://simplehai.axisdirect.in/offerings/products/derivatives
An unemployed man is offered a janitor position at Microsoft but is denied the job when he tells the HR chief he does not have an email address. Struggling with only $10 left, he decides to buy and sell strawberries door-to-door, doubling his money each time. Through hard work and expanding his business over 5 years, he builds one of the largest food chains in the US. He is reminded that without an email at the start, he could have been cleaning toilets at Microsoft instead of his success.
An initial investment of Rs. 10,000 in shares of an unnamed Indian company in 1980 grew exponentially over 26 years to be worth over Rs. 200 crores due to bonuses, stock splits, and the power of compounding returns. The company was revealed to be Wipro. Similarly, small initial investments in other companies like Cipla, Infosys, and Ranbaxy from the 1970s-1990s grew enormously over the decades.
This document discusses lead-ins, which are techniques used by teachers to engage students and connect them emotionally and mentally to lesson topics. It emphasizes arousing curiosity and triggering physical sensations. Some advantages of lead-ins mentioned are retaining more memory through sensory activation. Teachers are encouraged to challenge students, understand their existing knowledge, and bring rich sensory experiences into lessons through metaphors, analogies and stories to help students feel the experience rather than just lecturing. Some example lead-in tasks provided include finding soulmates, quizzes, secret alphabets, drawing, miming or explaining.
The document describes 22 secret animals through clues about their physical characteristics and habitats. The clues for each animal include having a tail, eyes, ears, nose or mouth of a certain size, as well as where they live and what they eat. The reader is prompted to guess what each secret animal is based on the clues provided.
The document discusses the history of photography and its development over time. Early photography involved complex chemical processes to develop images on plates or film. As technology advanced, photography became simpler and more accessible to the masses with handheld cameras, flexible film, and automatic processes. Now, most people have cameras on their phones and photography is an integral part of everyday life and communication.
The document discusses phrasal verbs, which are verbs combined with particles that can change the verb's meaning. Some examples of phrasal verbs provided are "look forward to", "look up", and "run out of". Phrasal verbs can be separable, where the particle can be separated from the verb, or inseparable, where the particle cannot be separated. The document also provides tables explaining the meanings of different phrasal verbs like "come up with", "take off", and "get along".
This document provides guidelines for using commas with clauses in sentences. It discusses using commas after introductory phrases or clauses, to separate two independent clauses joined by FANBOYS conjunctions, and to set off nonessential clauses and phrases. The document also notes that a comma is not always needed between one independent and one dependent clause joined by a subordinating conjunction. In summary, it offers tips for properly punctuating different types of clauses in sentences using commas.
The document discusses the importance of financial planning in India. It notes that only 3% of Indians have life insurance and 30% lack health insurance, with most relying on children for retirement. A financial planner can help achieve important life goals by creating a tailored plan addressing insurance, investments, taxes, and more. The document emphasizes starting financial planning early to benefit from compound returns over decades and protect against inflation. It also highlights the risks of equity investing but notes that systematic investment plans can help reduce volatility and take advantage of downturns through rupee cost averaging.
This document provides information about systematic investment plans (SIPs) and their benefits for long-term wealth creation and beating inflation. It discusses how SIPs allow regular investing in mutual funds to take advantage of rupee cost averaging and compounding returns. The document recommends choosing an equity mutual fund and investing a fixed amount each month for at least 10-20 years to benefit from SIPs and achieve long-term goals like retirement. It includes illustrations of how even small monthly investments can grow into large sums over time through the power of compounding returns.
As we have always said in our
communications that Equity is great wealth
building product if you can manage your fear
& greed ! It simply means , buy right and sit
tight
The monthly newsletter by seeman fiintouch LLP JULY 2022.pdf.pdfAshis Kumar Dey
- GST collection in July 2022 was Rs. 1.49 lakh crore, a 28% increase over the same month last year. Experts say economic activities have stabilized and leakages have been plugged.
- The Sensex and Nifty logged their highest July return in 23 years, gaining 8.58% and 8.73% respectively. As many as 20 equity funds delivered over 10% returns in July.
- SIP remains an important investment tool for rupee cost averaging and managing volatility, with advantages like controlling emotions, benefiting from market dips, and disciplined investing.
Retirement is a big event in everyone's life. But have you prepared for it. If you have not planned for it till yet so just look at this presentation.If you have queries regarding retirement planning,just call me for more information @ 9828298041
Templeton India Pension Plan (TIPP) is an open-end tax saving scheme that aims to provide regular income through dividends and capital appreciation. It has a lock-in period of 3 years and allows tax deductions of up to Rs. 1 lakh per year. The fund invests up to 40% in equities for growth potential and the rest in debt instruments for stability. The objective is to help investors build their retirement corpus by starting contributions early and benefitting from long-term capital appreciation to stay ahead of inflation.
Doubleplus_Finserve_Newsletter_July_22.pdfBhavesh Shah
1) GST collection in July 2022 was Rs. 1.49 lakh crore, a 28% increase over the same month last year. Experts say economic activities have stabilized and GST leakages have been plugged.
2) The stock market had its best July in 23 years, with the Sensex and Nifty gaining 8.58% and 8.73% respectively. 20 equity funds delivered over 10% returns in July.
3) The newsletter recommends staying invested in equity funds for good opportunities in banking and consumption sectors according to one's risk appetite, and emphasizes that SIP is important for achieving financial goals.
Mutual funds allow investors to pool their money together for investment in stocks, bonds, and other assets. The document discusses various types of mutual funds like equity funds, debt funds, and hybrid funds. It explains how Systematic Investment Plans (SIPs) enable regular small investments and benefit from rupee cost averaging. Equity Linked Savings Schemes (ELSS) are highlighted as a tax-efficient investment option that provides tax benefits under Section 80C while also offering potential for capital appreciation over the long run. Well-planned investments through mutual funds and SIPs can help create wealth and meet financial goals.
The document provides information about the HDFC Retirement Savings Fund, which offers three investment plans to help investors plan for retirement. It discusses the need for retirement planning, benefits of starting early, importance of asset allocation and diversification, and the role different asset classes can play. The fund seeks to generate a pension corpus through long-term investments in equity, debt and money market instruments based on the investor's risk profile and retirement goals. Key details about the three plans, investment strategy, lock-in period and tax benefits are also summarized.
ET FinPro Mod 06 (Tax saving debt instruments)Karishma Biswal
Public Provident Fund (PPF), National Savings Certificate (NSC), and Senior Citizens Savings Scheme (SCSS) are three tax-saving debt instruments recommended for conservative investors. PPF offers compound annual interest of 8.7% with tax exemptions on deposits, interest, and maturity amounts. NSC has interest rates of 8.5-8.8% and qualifies for Section 80C tax deductions. SCSS provides 9.2% interest for senior citizens and also allows Section 80C deductions; it allows withdrawal with penalties after 1 year. All three instruments offer principal protection and tax benefits suited for low-risk investors.
FIRST, RUSSIA – UKRAINE AND NOW IT’S ISRAEL –
HAMAS! WHAT IS LYING AHEAD FOR INDIAN MARKET ?
Investment
Gyan Market Indicators
Inspiring Investment Story
- The document discusses the current geopolitical instability and conflicts happening globally and their impact on financial markets. It specifically mentions the impact on the Indian equity market in the form of a 2.5% fall in the Nifty 50 index last month driven mainly by selling from foreign investors.
- It recommends that investors in the current environment should allocate major portions of their investments to multi-asset or dynamic allocation funds for diversification. Specific sectors like MNC stocks, telecom, transport and logistics are also mentioned as suitable areas for equity exposure.
- Flexi cap funds are highlighted as an ideal option under the current situation as they provide exposure to large, mid and small cap stocks across the market capitalization spectrum for
The document discusses various types of insurance policies and plans in India. It provides information on key regulatory bodies like IRDA and types of insurers. It also summarizes different kinds of life insurance policies including term plans, whole life plans, endowment plans, annuities and ULIPs (Unit Linked Insurance Plans). ULIPs are described as financial solutions that combine insurance protection with investment opportunities. The mechanics and benefits of ULIPs are explained.
It is estimated that 50% of equity assets held by retail investors do not remain for more than 2 years (Source: Amfi, data as on quarter ended June 2023)
As you can see from the illustration alongside, the growth of investment at a CAGR of 10% is gradual for the 1st 2 years but becomes significant by the 5th year and more than doubles over 10 years.
This is called compounding and generally kicks in by the 5th year and beyond. Compounding is required when the investor is aiming to create wealth.
As a Retirement Mutual Fund has a lock-in of 5 years you automatically get the benefit of compounding.
Designing a Portfolio for a Customer. Considering Tax, Benefits, Good Returns.Bhavana Nandu
The document describes designing a retirement portfolio for a 30-year-old investor who wants to retire at age 60. The investor's monthly income is Rs. 40,000 and wants over Rs. 50,000 monthly in retirement and a corpus of over Rs. 50,00,000. The portfolio includes recurring deposits, fixed deposits, post office monthly income schemes, monthly income plans, and unit linked insurance plans. Calculations show the portfolio would accumulate over Rs. 1,30,00,000 total by retirement at age 60, providing monthly returns of over Rs. 56,000.
This newsletter provides information on personal finance topics such as equity investment, mutual funds, and market indicators. It discusses how equity investment can build significant wealth over the long run compared to other asset classes. It highlights that individual investors now hold a higher share of mutual fund industry assets. The newsletter also profiles an inspiring story of a retired investor who chose mutual funds for monthly income instead of fixed deposits and has seen growth in his investment value. Overall the newsletter aims to educate readers on appropriate investment behaviors and strategies.
The document discusses systematic investment planning (SIP) as a simple way to invest in equity and create wealth over the long term. It notes that equity returns have historically beaten inflation, and that starting investments early and allowing time and compounding to work for you can significantly grow wealth. Rather than trying to time the market, the document advocates a disciplined SIP approach through mutual funds. It provides details on how SIPs work, their benefits, and the process for enrolling in one.
Why Mutual Fund
Sahi Hai?How do you get the Retu
rns in
Mutual Funds?
What is Systematic
Investment Plan (SIP)
in Mutual Fund ?
Nifty started with a dull note at 16887, on 3rd October 2022 but closed at 18012
1. “ A unique facility to Save, Grow & Insure” Reliance SIP Insure
2. What Rs 1000 p.m can get you…. A dinner for your family Watching movie with your spouse Buy clothes for your kids Make you a Millionaire* & also get you free life insurance on your SIP installments *please refer slide 3 for more details
3. What does it take to create wealth… This is just an illustration, explaining the power of compounding concept and should not be assumed as a promise, guarantee or forecast on minimum returns and safeguard of capital. SIP does not assure a profit or guarantee protection against loss in a declining market. The calculation shows the outcome of investing a specified amount at a certain assumed rate of interest per annum. The table shows the SIP amount required to be invested per month for achieving the target amount in the specified time period. The hypothetical rate of return on the investments is assumed at 15% p.a. Investing Rs 1500 per month @ 15% p.a for 15 yrs makes you a Millionaire 14,800 36,000 1,15,000 2,20,000 100,00,000 7,400 18,000 56,000 1,10,000 50,00,000 3,700 9,000 28,000 55,000 25,00,000 1,500 3,600 11,200 22,000 10,00,000 750 1,800 6,000 11,000 5,00,000 15 10 5 3 Value /Yrs
4. Most likely reasons to invest….. Everyone has one or more of the above reasons to invest for! Child’s Education Child’s Marriage Housing Retirement Safety
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6. Insure your financial goals….. Before we know more about this product….let us understand the investment climate around us!
7. Value of Money over time Inflation @ 5% p.a Inflation – A Devil, we need to beat it!
8. Where do people save their money? Source: Invest India Incomes and Savings Survey 2007** Mutual Fund as an Asset Class has a very low penetration
9. Its not the timing but the time in the market which matters Long Term Investing – Case Studies Invest Systematically…..
10. Invest Long term… Money grows over a period of time… Rs 1000 invested at 8%p.a every month for… … just like a rolling snowball gathers snow & grows. This is an hypothetical illustration to explain the concept of “Power of Compounding”. Past Performance may or may not be sustained in future.
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12. & Don’t Time the Market… Rs 10,000 invested every year for a period of 12 years in RGF from Jan 96 to June 08 Past Performance may or may not be sustained in future. *Returns as on 30 th June 08 34.75% 38.31% 33.01% Reliance Growth Fund-Retail Plan- Growth Plan – Growth Option* (RGF) 16.48% 20.33% 13.32% BSE 100 15.30% 18.99% 12.64% BSE Sensex Investor buys at constant interval Investor buys at Market Lows Investor buys at Market Peaks Scenarios
13. Past Performance of SIP in Reliance Growth Fund RGF BSE 100 Inception Date: 8th Oct 1995. Returns are of Retail Plan- Growth Plan – Growth option as on 30th June 08 Past Performance may or may not be sustained in future. The above table shows the historical SIP performance of Reliance Growth Fund (Retail Plan – Growth Plan – Growth option) vis its benchmark BSE 100. For example; A person who had made an SIP of Rs 10,000 p.m in the above fund since inception on 8 th Oct 1995 would have invested Rs 15.30 lacs by 30 th June 08 and have earned a total amount of Rs 1.81 crs (As per the highlighted cell) 7,333,400 5,109,868 1,481,010 600,847 27,174,818 14,170,601 2,029,572 651,153 15,000 4,888,933 3,406,579 987,340 400,565 18,116,545 9,447,067 1,353,048 434,102 10,000 2,444,467 1,703,289 493,670 200,282 9,058,273 4,723,534 676,524 217,051 5,000 1,466,680 1,021,974 296,202 120,169 5,434,964 2,834,120 405,914 130,230 3,000 488,893 340,658 98,734 40,056 1,811,655 944,707 135,304 43,410 1,000 Since Inception 10 5 3 SIP Installment /Yrs
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15. Systematic Investment Plan (SIP) & its benefits Inculcates savings habit Eliminates need for timing markets Helps averaging cost of investment Protects against market volatility Improves probability of better returns SIP is a long term investment technique under which you invest a fixed sum of money on a monthly or quarterly basis in a mutual fund scheme at the prevailing NAV. This allows you to save and invest regularly while you are earning.
16. Are you looking at investing for the long term?? Do you want a free life insurance cover?? Do you want an investment technique which can make you invest regularly?? Do you want your planned investments to be completed after your unforeseen death?? then Choose Reliance SIP Insure Here comes the most sought after product……..
18. Investor Benefits- “Save, Grow & Insure” Inculcates savings habit Free Life Insurance Cover- Enjoy Insurance on SIPs Eliminates need for timing markets Helps averaging cost of investment Ensuring that the planned investments are completed Market Linked NAV based maturity proceeds Why Reliance SIP Insure ?
19. An add-on feature of life insurance cover under a Group Term Insurance provided to individual investors with a view to encourage individual investors to save and invest regularly through Systematic Investment Plan (SIP) and help them achieve their financial objective without any extra cost. Objective: In the unfortunate event of the demise of an investor during the tenure of the SIP, the insurance cover will take care of the unpaid installments. Thus, the nominee* would be able to continue in the scheme without having to make any further contribution. Investor’s long term financial planning and objective of investing through SIP could still be fulfilled as per the targeted time horizon, even if he/she dies prematurely. Reliance SIP Insure- What is it? *Nominee account would mean nominee in case of single holding & second or joint holder in case of Joint Holding
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24. This amount will be paid by life insurance company to SIP investor’s nominee account * with Reliance Mutual Fund and will be invested in Reliance Growth Fund (in the same scheme in which the deceased has earlier invested) Reliance SIP Insure– How does this work? An investor does a monthly SIP of Rs. 5,000 for 5 years in Reliance Growth Fund If he dies after a period of 3 yrs, then his Sum Assured = Number of SIP Instalments enrolled for X Amount of Instalment X 2 = 60 X 5,000 X 2 = Rs 3 lacs X 2 = Rs 6,00,000 *Nominee account would mean nominee in case of single holding & second or joint holder in case of Joint Holding
25. Reliance SIP Insure – Product Features One can aim to have a target insurance cover from 3 rd year onwards as per one’s requirement by referring to the matrix attached below Cells in yellow would not be applicable under Minimum SIP amount category under Reliance SIP Insure Facility The table shows the SIP amount per month to be invested for the required combination of Eligible Insurance Cover & Tenure. For example, to have a maximum cover of Rs 10 lacs from third year onwards (from commencement of the insurance cover) in Reliance SIP Insure Facility, one can invest Rs 2800 p.m for a period of 15 yrs as per the cell highlighted in pink. 280 425 850 1,400 100,000 560 850 1,700 2,800 200,000 850 1,250 2,500 4,200 300,000 1,150 1,700 3,350 5,600 400,000 1,400 2,100 4,200 7,000 500,000 1,700 2,500 5,000 8,350 600,000 1,950 2,950 5,850 9,750 700,000 2,250 3,350 6,700 11,150 800,000 2,500 3,750 7,500 12,500 900,000 2,800 4,500 8,350 13,900 1,000,000 15 10 5 3 Life Insurance Cover/Yrs
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32. Sponsor: Reliance Capital Limited Trustee: Reliance Capital Trustee Co. Limited. Investment Manager: Reliance Capital Asset Management Limited. Statutory Details: The Sponsor, the Trustee and the Investment Manager are incorporated under the Companies Act 1956. Risk Factors: Reliance Growth Fund (Open-ended Equity Growth Scheme): The primary investment objective of the scheme is to achieve long term growth of capital by investing in equity and equity related securities through a research based investment approach. Reliance Vision Fund (Open-ended Equity Growth Scheme): The primary investment objective of the scheme is to achieve long-term growth of capital by investment in equity and equity related securities through a research based investment approach. Reliance Equity Opportunities Fund (Open-ended Diversified Equity Scheme): The primary investment objective of the scheme is to seek to generate capital appreciation & provide long-term growth opportunities by investing in a portfolio constituted of equity securities & equity related securities and the secondary objective is to generate consistent returns by investing in debt and money market securities. Reliance Equity Fund (An open-ended Diversified Equity Scheme): The primary investment objective of the scheme is to seek to generate capital appreciation & provide long-term growth opportunities by investing in a portfolio constituted of equity & equity related securities of top 100 companies by market capitalization & of companies which are available in the derivatives segment from time to time and the secondary objective is to generate consistent returns by investing in debt and money market securities. Reliance Equity Advantage Fund (Open ended Diversified Equity Scheme): The primary investment objective of the scheme is to seek to generate capital appreciation & provide long-term growth opportunities by investing in a portfolio predominately of equity & equity related instruments with investments generally in S & P CNX Nifty stocks and the secondary objective is to generate consistent returns by investing in debt and money market securities. Reliance Regular Savings Fund (An open ended Scheme) Equity Option: The primary investment objective of this Option is to seek capital appreciation and/or to generate consistent returns by actively investing in equity / equity related securities. Balanced Option: The primary investment objective of this Option is to generate consistent return by investing a major portion in debt & money market securities & a small portion in equity & equity related instruments. Reliance Pharma Fund (Open-ended Pharma Sector Scheme): The primary investment objective of the scheme is to seek to generate continuous returns by investing in equity and equity related or fixed income securities of Pharma and other associated companies. Reliance Diversified Power Sector Fund (Open-ended Power Sector Scheme): The primary investment objective of the scheme is to seek to generate continuous returns by actively investing in equity and equity related or fixed income securities of Power and other associated companies. Reliance Media & Entertainment Fund (Open-ended Media & Entertainment Sector Scheme): The primary investment objective of the scheme is to generate continuous returns by investing in equity and equity related or fixed income securities of Media & Entertainment and other associated companies. Reliance Banking Fund (Open-ended Banking Sector Scheme): The primary investment objective of the scheme is to generate continuous returns by actively investing in equity and equity related or fixed income securities of Banks. Reliance Natural Resources Fund (An Open Ended Equity Scheme): The primary investment objective of the scheme is to seek to generate capital appreciation & provide long-term growth opportunities by investing in companies principally engaged in the discovery, development, production, or distribution of natural resources and the secondary objective is to generate consistent returns by investing in debt and money market securities. Reliance Tax Saver (ELSS) Fund (Open-ended Equity Linked Savings Scheme): The primary objective of the scheme is to generate long-term capital appreciation from a portfolio that is invested predominantly in equity and equity related instruments. Reliance Quant Plus Fund (An open - ended equity scheme): The investment objective of the Scheme is to generate capital appreciation through investment in equity and equity related instruments. The Scheme will seek to generate capital appreciation by investing in an active portfolio of stocks selected from S & P CNX Nifty on the basis of a mathematical mode. Mutual Funds and securities investments are subject to market risks and there is no assurance and no guarantee that the Schemes objectives will be achieved. As with investments in any securities, the NAVs of the units issued under the Scheme can go up or down depending on the factors and forces affecting the securities market. Past performance of the Sponsor/AMC/Mutual Fund is not indicative of future performance of the Scheme. Reliance Growth Fund, Reliance Vision Fund, Reliance Equity Opportunities Fund, Reliance Equity Fund, Reliance Equity Advantage Fund, Reliance Regular Savings Fund, Reliance Banking Fund, Reliance Pharma Fund, Reliance Media & Entertainment Fund, Reliance Diversified Power Sector Fund, Reliance Natural Resources Fund, Reliance Tax Saver (ELSS) Fund and Reliance Quant Plus Fund are only the names of the scheme and do not in any manner indicate either the quality of the Scheme, its future prospects or returns. The Sponsor is not responsible or liable for any loss resulting from the operation of the Schemes beyond their initial contribution of Rs.1 lac towards the setting up of the Mutual Fund and such other accretions and additions to the corpus. The NAV of the Schemes may be affected, interalia, by changes in the market conditions, interest rates, trading volumes, settlement periods and transfer procedures. The Mutual Fund is not guaranteeing or assuring any dividends/ bonus. The Mutual Fund is also not assuring that it will make periodical dividend/ bonus distributions, though it has every intention of doing so. All dividend/ bonus distributions are subject to the availability of distributable surplus in the respective Scheme. For details of scheme features and scheme specific risk factors please refer to the scheme Offer Documents / Scheme Information Documents. Offer Document/Scheme Information Document and KIM cum application form is available at all the DISCs/ Distributors of RMF/www.reliancemutual.com. Please read the offer document(s) /Scheme Information Document(s) of the respective schemes carefully before investing.
The Survey consisted of two components: 1. Complete household listing (over one million households) from randomly selected 1815 wards covering 852 towns and 931 villages, and 2. 96,088 representative individual respondent interviews (urban sample 72,979 respondents and rural sample of 23,109 respondents) carried out in the same locations. Respondents were drawn mainly from earning members of the Indian workforce who derive cash incomes from salaries, wages, profits and earnings from self employment and business activities (approximately 321 million persons nationally). The 321 million figure is the base figure from which they have done about over a million households and 96,088 in depth interviews.