What is Wealth Creation Tool? The Answer is SIP-Systematic Investment Plan. Go through Presentation of SIP. and feel free to ask Question/Queries by marking mail to me on mebheda@gmail.com

1. Mehul Bheda Certified Financial Planner
(M) 9819592326

2. SYSTEMATIC INVESTMENT PLAN
Mehul Bheda Certified Financial Planner
(M) 9819592326

3. The investments we make are
ultimately for some objectives such as to buy
a house, Our Own Retirement Planning ,
children’s education, marriage, and many
Other Short Term as well as Long term Goal.
Mehul Bheda Certified Financial Planner
(M) 9819592326

4. ..and many of them require a huge one-
time investment. As it would usually not be
possible raise such large amounts at short
notice, we need to build the corpus over a
longer period of time, through small but
regular investments.”
Mehul Bheda Certified Financial Planner
(M) 9819592326

5. This is what SIP is all about.
Small investments, over a period of
time, result in large wealth and help fulfill
our dreams & aspirations.
Mehul Bheda Certified Financial Planner
(M) 9819592326

6. What is SIP
Systematic Investment Plan?
“A SIP (Systematic Investment Plan) is smart
financial planning tool that could help you
create wealth by investing small sums of
money regularly, over a period of time.”
Mehul Bheda Certified Financial Planner
(M) 9819592326

7. • How does it work?
A SIP is a flexible and easy investment plan.
Your money is auto-debited from your bank account and
invested into a specific mutual fund scheme. You are
allocated certain number of units based on the ongoing
market rate (called NAV or net asset value) for the day.
Every time you invest money, additional units of the scheme
are purchased at the market rate and added to your account.
Hence, units are bought at different rates and investors
benefit from Rupee-Cost Averaging and the Power of
Compounding.
Mehul Bheda Certified Financial Planner
(M) 9819592326

8. • Affordable
• Convenience
• Allows Rupee cost averaging
• Capitalize Power of compounding
• Builds Savings Habit
• Prevent Sentiment driven Investment
What are the benefits of SIP?
Mehul Bheda Certified Financial Planner
(M) 9819592326

9. #1 : Power OF Compounding
Albert Einstein once said, "Compound interest is the
eighth wonder of the world. He who understands it, earns
it... he who doesn't... pays it."
The rule for compounding is simple - the sooner you start
investing, the more time your money has to grow.
Mehul Bheda Certified Financial Planner
(M) 9819592326

10. Mehul Bheda Certified Financial Planner
(M) 9819592326

11. Rs. 10000 invested every month @15% through SIP
4,51,155 8,85,745
27,52,170
66,85,067
1,49,72,395
0
2000000
4000000
6000000
8000000
10000000
12000000
14000000
16000000
Tenure Value
3 Year 5 Year 10 Year 20 Year15 Year
Mehul Bheda Certified Financial Planner
(M) 9819592326

12. # 2 : Rupee Cost Averaging
Date NAV (Rs.) Units Amount (Rs.)
02-Mar-14 190.47 5.25 1000
13-Apr-14 233.32 4.29 1000
11-May-14 252.5 3.96 1000
10-Jun-14 339.27 2.95 1000
10-Jul-14 307.21 3.26 1000
10-Aug-14 343.02 2.92 1000
10-Sep-14 375.56 2.66 1000
12-Oct-14 392.46 2.55 1000
10-Nov-14 392.76 2.55 1000
10-Dec-14 416.48 2.4 1000
11-Jan-14 439.79 2.27 1000
10-Feb-14 412.21 2.43 1000
Total 4095.04 37.47 12000
Say you have opted for
MF Systematic
Investment Plan,
Investing Rs. 1000
every month from
March 2007 to Feb
2010 in a diversified
equity fund. Now check
the average purchase
cost per unit of your
investments. It would
be lower than the
average NAV of your
investment over 12
months.
Mehul Bheda Certified Financial Planner
(M) 9819592326

13. Mehul Bheda Certified Financial Planner
(M) 9819592326
A Monthly SIP Of Rs 10,000/-
Started in Jan 1995
is Worth Rs 5.32 Crore Today
(Against Investment Of Rs 24,30,000/-)
Annulised Return of 23.13%
(value as on 28th Feb 2015)
DID You Know?

14. Mehul Bheda Certified Financial Planner
(M) 9819592326
DID You Know?DID You Know?
A Lumpsum Investment Of Rs
5,00,000/-
Invested Oct 1995
is Worth Rs 4.18 Crore Today
Annulised Return of 25.49%
(value as on 2tth March 2015)

15. Mehul Bheda Certified Financial Planner
(M) 9819592326
Cost of Delay
Today’s Age 25 Years
Current Cost ` 10,00,000/-
Cost When you turn 45 ` 46,60,957
You Start Investing
Year Left to
Goal
Money to
Invest Every
Month
Today , When You are 25 Years Old 20 5,067
When Your are 27 Years Old 18 6,549
When Your are 29 Years Old 16 8,540
When Your are 31 Years Old 14 11,271
When You are 33 Years Old 12 15,128
When You are 35 Years Old 10 20,805
inflation assumed at 8%, Expected Average Return =12%
the above illustration is for illustration purpose only

16. So what’s your KEY to success?
Its not the timing but time in the market which matters
Start Early
Invest Regularly
Invest Long term
Mehul Bheda Certified Financial Planner
(M) 9819592326

17. Point To Remember
• You Can Start SIP With Minimum Amt Of Rs 500/1000
• You Can Start Investing through SIP Either In Liquid Fund, Debt Fund , Gold Fund, Balance Fund
, Tax Saving Scheme (ELSS) or Equity Fund.
• You Can Discontinue Your SIP anytime With Prior Notice of minimum 30 Days.
• Once Tenure OF SIP is Over You Can Continue Your SIP through Renewal of Sip or You can Stay
invested with accumulated investment for long Term
• Kindly Consult Your Financial Advisor for Taxation OF Debt Fund & Equity Fund
• Units allotted each month under ELSS Scheme are Locked in For 3 Years. ( For Getting Benefit U/s
80-C)
• You Can Invest More ( Additional Investment) through Additional one time Lump sum Investment
under your Existing SIP account , if You have surplus Fund. Or You Find Opportunity
• You Can Increase/Decrease Your SIP Amount Any time You Wish to..
Mehul Bheda Certified Financial Planner
(M) 9819592326

18. Mehul Bheda Certified Financial Planner
(M) 9819592326