This document discusses the benefits of systematic investment plans (SIPs) for achieving financial goals like retirement, children's education, and family commitments. SIPs allow investors to invest small monthly amounts that benefit from the power of compounding over the long term. Equity investments through SIPs are ideal for meeting long-term goals since equities have historically offered higher returns than other asset classes. Regular investing through SIPs also reduces market timing risk. The document provides examples of the monthly investments needed through SIPs to achieve common financial goals like retirement and children's education to demonstrate how SIPs can help investors achieve their goals.
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.
Systematic Investment Plan (SIP)-Smarter way to meet your financial goalsRR Finance
SIP is an investment program that allows you to contribute a fixed amount (as low as Rs. 1000/-) in mutual funds at regular intervals. Please visit:- http://rrfinance.com/Mutual%20Fund/Mutual_Fund_Home.aspx
Systematic Investment Plan (SIP) is not a mutual fund scheme but a method of investing a fixed sum on a regular basis (monthly / quarterly), in a mutual fund scheme.
Systematic Investment Plan allows investors to buy units of a particular mutual fund scheme, irrespective of its price at regular intervals.
Investors can plan their savings through a structured regular program via SIP.
Benefits of SIP:
1. Disciplined Investing
2. Productive Spending
3. Power of compounding
4. Low minimum investment
5. Rupee cost averaging
6. Timing the market is not necessary
7. Aligned to financial goals
In conclusion, we would like to say that SIP is not a magical instrument but it can be turned into one with proper homework and planning before investing.
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.
Systematic Investment Plan (SIP)-Smarter way to meet your financial goalsRR Finance
SIP is an investment program that allows you to contribute a fixed amount (as low as Rs. 1000/-) in mutual funds at regular intervals. Please visit:- http://rrfinance.com/Mutual%20Fund/Mutual_Fund_Home.aspx
Systematic Investment Plan (SIP) is not a mutual fund scheme but a method of investing a fixed sum on a regular basis (monthly / quarterly), in a mutual fund scheme.
Systematic Investment Plan allows investors to buy units of a particular mutual fund scheme, irrespective of its price at regular intervals.
Investors can plan their savings through a structured regular program via SIP.
Benefits of SIP:
1. Disciplined Investing
2. Productive Spending
3. Power of compounding
4. Low minimum investment
5. Rupee cost averaging
6. Timing the market is not necessary
7. Aligned to financial goals
In conclusion, we would like to say that SIP is not a magical instrument but it can be turned into one with proper homework and planning before investing.
Albert Einstein said 8TH Wonders of the world is power of compounding. The longer u stay invested, you will the higher returns. We should invest regularly and start early so that the returns are higher.
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.
Refer to the link below, if you want to know more
https://www.wealthbucket.in/blog/how-to-invest-in-mutual-funds/
Follow us:
Facebook: https://www.facebook.com/wealthbucket/
Instagram: https://www.instagram.com/wealthbucket/
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Contact number - +91 8750005655
Mail ID - contact@wealthbucket.in
Visit Our Website: https://www.wealthbucket.in
Albert Einstein said 8TH Wonders of the world is power of compounding. The longer u stay invested, you will the higher returns. We should invest regularly and start early so that the returns are higher.
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.
Refer to the link below, if you want to know more
https://www.wealthbucket.in/blog/how-to-invest-in-mutual-funds/
Follow us:
Facebook: https://www.facebook.com/wealthbucket/
Instagram: https://www.instagram.com/wealthbucket/
For queries contact us:
Contact number - +91 8750005655
Mail ID - contact@wealthbucket.in
Visit Our Website: https://www.wealthbucket.in
I have found all primary data and secondary data for this project by my own efforts and the all data are 100% true according to my summer internship experience..Thanks
Asit C Mehta Investment Interrmediates brings to you the reasons to save your money. Save for a better & secure future. “Getting Rich is not a function of investing a lot of money; it is a result of investing regularly for long periods of time.”
Know About Retirement Planning & Mutual Funds at Mirae AssetShreya Paliwal
Secure long-term wealth with expert guidance for a solid financial plan & intelligent investment decisions. Plan for retirement with Mirae Asset's mutual funds.
https://www.miraeassetmf.co.in/
In every movie, at the end everything goes well and movie ends happily and if it didn’t, then... "Picture abhi baaki hai mere dost"
How happy we’ll be if our life turns out to be like a movie, no? But the truth is … Life is not a movie. We all know about the hardship and struggle of life. But YES, if we plan our finances and manage it properly then we can surly make the story of our life “Happy".
So where ever you are and in whatever condition, let's start planning our finance because."Picture abhi baaki hai mere dost...". We at financial Hospital is coming with a session on how to plan and where to find safe heaven for your finance. Read on to make yourself a super hero of your own life movie.
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.
A General awareness session designed to give participants a better understanding about savings and various investment options available in the Indian context.
Financial Planning is a long term process through which you can achieve your financial goals. We at Financial Hospital bring to you a presentation to help you understand the basics of having a healthy and planned financial future.
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
1. Systematic Investment Plan (SIP)
Simple
Min Investment of only Rs.500
Intelligent
Benefit from the Power of Compounding
Practical
Link to your Financial Goals
2. Did you know ?
If your current monthly expenses are
Rs. 30,000/- p.m, after 20 years you will
require Rs. 80,000/- p.m to maintain the
same lifestyle
Assuming inflation rate of 5%
3. Did you know ?
An education degree for your child
which currently costs Rs. 10 lakh will
cost Rs. 21 lakh after 15 years.
Assuming inflation rate of 5%
4. Individual Investor Needs: Investment Goals
• All individuals need to save for
– Retirement
– Child’s education / marriage
– Medical emergency
– Other family obligations
Every individual has one or more of the above goals
5. Individual Investor: Life Stages
Earnings
Consumption
Savings
22 27 40 60
Young Independent Young Married Middle Age Retirement
All individuals have a finite period to save for their investment goals
6. Value of Money over time
Impact of inflation on monthly Value of Rs. 100,000 over time
expenses of Rs. 30,000 today
100,000
79,599
78,353
62,368
48,102
38,288 37,689
30,000
Today 5 years 15 years 20 years Today 5 years 15 years 20 years
At inflation of 5%
Investors need to beat inflation
7. Performance of Various Asset Classes
Cumulative annualised returns 1980-2004
15.6%
10.3%
8.9%
6.7%
5.7%
3.55%
-1.1%
Inflation Gold Bank FDs BSE Sensex
Growth Real Growth
Equities outperform other asset classes over the long term
8. Individual investors are scared of …..
The Downside Risk in Equities
The Risk of Market Volatility
The Risk of Market Timing
10. Investing in the BSE Sensex – 25 years
Returns are from 1981- Dec 2005
16.90%
16.02%
15.07%
Fixed investment at Fixed investment at
Fixed investment on
highest sensex value lowest sensex value
1st day of every month
every year every year
Market timing does not matter over the long term
11. The Power of Compounding
Debt BSE Sensex BSE Sensex
Instrument Scenario A Scenario B
Monthly
Rs. 5,000 Rs. 5,000 Rs. 5,000
investment
Assumed
10% 15% 20%
annualised return
Final corpus Rs. 43 lakh Rs. 89 lakh Rs. 1.9 crore
From Jan 1, 1984 to Dec 31, 2004 – a 21 year period
12. Summary
Investors needs to save
regularly and invest those
savings in higher return
assets to create wealth
Long Term Systematic
Monthly Investment in
equity schemes is ideal
for this
13. How Do You Achieve Your Financial Goals
• Retirement
• Child’s education - international
• Family commitments - medical emergency, etc
14. Retirement Planning
Monthly Household Expenses
Retirement corpus required
83,579 to meet post retirement expenses.
(if invested at 7%)
1.4 crore
30,000 Monthly investment needed
to meet post retirement expenses
Inflation 5%
21 Yrs at 12% 12,583
at 15% 8,083
At the time at 18% 5,090
Today
of retirement
15. Child’s Education
Educational Degree
Monthly investment needed
34,20,000 to achieve this goal
at 12% 12,456
20,00,000
at 15% 10,166
Inflation 5%
at 18% 8,237
11 Yrs
When your child
Present actually goes
for this degree
16. Child’s Marriage
43,70,000
Monthly investment needed
to achieve this goal
at 12% 7,509
20,00,000
at 15% 5,466
Inflation 5%
at 18% 3,925
16 Yrs
When marriage
Present actually takes place
17. So What Are The Benefits Of Investing Through
A Systematic Investment Plan !
18. Benefit : 1
• The Benefit of Long Term Equity Investment
– Equities give superior returns among all asset classes over
the long term
– Mutual Fund has a track record of consistent good
performance relative to index.
19. Benefit : 2
• The Benefits of Systematic Monthly Investment
– Takes out the risk of market timing
– Adds the benefits of the power of compounding and
rupee cost averaging
20. Benefit : 3
• Flexibility
– You can choose from a wide array of schemes
– You can decide to keep invested amounts in an earlier
scheme & invest future SIP instalments into a new scheme
21. Benefit : 4
• Added Convenience
– Auto debit facility across major cities in India
– Regular account statements
– Redemption request directly credited into your bank account