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ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives. What is the Average Age when a child needs Higher Education? . 20 Years. What is the Average Cost of Higher Education Today?. Engineer : Rs.10 Lacs Medical : Rs.15 Lacs Foreign Study : Rs.25 Lacs.

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ACHIEVING

YOUR

GOALS

IN LIFE



What is the Average Age

when a child needs Higher Education?

20 Years


What is the Average Cost of

Higher Education Today?

Engineer : Rs.10 Lacs

Medical : Rs.15 Lacs

Foreign Study : Rs.25 Lacs


How much would the Higher Education

cost you at the maturity?

Assuming Current Age is 3 years: (17 yrs remaining)

Engineer : Rs.27 Lacs

Medical : Rs.41 Lacs

Foreign Study : Rs.67 Lacs

Assuming inflation @ 6%


Are you on the right path to provide

good education for your child?

Assuming Current Age is 3 years: (17 yrs remaining)

Engineer : Rs.27 Lacs

Medical : Rs.41 Lacs

Foreign Study : Rs.67 Lacs

Assuming inflation @ 6%


What is the Average Age

when a child gets married?

24 Years


What is the Average Expenses of

Marriage Today?

Rs.10 Lacs


How much would your child’s Marriage

cost you at maturity?

Rs.34 Lacs

Assuming inflation @ 6%. Current Age is 3 yrs & Marriage Age is 24 yrs.


Are you on the right path to arrange

a decent marriage for your child?

Rs.34 Lacs

Assuming inflation @ 6%. Current Age is 3 yrs & Marriage Age is 24 yrs.



What is an Average Monthly Expense of a

Middle-class House Hold?

Rs.10,000/- p.m.


How much Retirement Kitty

would you need at Retirement?

Rs.2.20 Crores

Monthly Expenses would grow from Rs.10,000/- now to over Rs.64,500/- at Retirement & would continue to growth thereafter…

Current Age: 28 years. Retirement Age - 60 yrs. Life Expectancy - 90 yrs.

Assuming inflation @ 6%. Returns on Retirement Kitty – 6%


Are you on path to a

Peaceful Retirement?

Rs.2.20 Crores

Current Age: 28 years. Retirement Age - 60 yrs. Life Expectancy - 90 yrs.

Assuming inflation @ 6%. Returns on Retirement Kitty – 6%


Brief Look at Our Life Goals

Assuming: Current Age

Self : 28 yrs Child: 3 yrs

Child Education : 20 yrs

Engineer : Rs.27 Lacs

Medical : Rs.41 Lacs

Foreign Study : Rs.67 Lacs

Child Marriage : 24 yrs

Marriage : Rs.34 Lacs

Retirement: : 60 yrs (Self)

Retirement Kitty : Rs.2.20 Crores


Are we on Track to Achieve the

Critical Life Goals in our Lives?


Creating wealth successfully in

Over time can help us fulfill all our goals!!


Creating Wealth

How much can a person

save on a regular basis?

Rs.5,000/- p.m.


Creating Wealth

If a person can save Rs.5,000/- per month

What will be his wealth when he retires?

Assuming:

Current Age: 28 yrs. Retirement Age: 60 yrs.

Invests in an Asset class than gave returns of 8%


At Age 60 his wealth would have been

Rs.84 Lacs

Amount Invested: Rs. 19.20 Lacs. Times amount gets rolled over: 4.37.

Note: The above figures are for illustrative purpose only. There is no guarantee that the projection given would materialize.


The Truth

We Need to Create Wealth

Creating Wealth is Easy

We can all Become Wealthy


How can we create wealth?

Start Saving Early

The longer you save, the more you make

Save in the Right Asset Class

This will dictate how much wealth you create …

Save Regularly

Even a small amount saved regularly, is good


19.55 Crores*

2.47 Crores*

40 years

25 years

60 years

Starting Early

Give time to your investments rather than timing

* Constant Savings

Note: The above figures are for illustrative purpose only. There is no guarantee that the projection given would materialize.


Equity market (represented by BSE Sensex) has outperformed all other investment avenues

Selecting Right Asset Class


Average Purchase cost all other investment avenues

will be less

Rupee Cost Averaging

At higher prices - less units

At lower prices – more units

Automatic Timing

Save Regularly

Disciplined Investing through Systematic Investment Plans (SIPs) is the ideal way to reduce risk

Twin Benefits of Investing Regularly

Falling Market

Rising Market

Market

Units Purchased

Units Purchased

Market


Creating Wealth all other investment avenues

If a person can save Rs.5,000/- per month

What will be his wealth when he retires?

Assuming:

Current Age: 28 yrs. Retirement Age: 60 yrs.

Invests in an Asset class than gave returns of 20%


At Age 60 his wealth can be all other investment avenues

Rs.11.30 Crores

Amount Invested: Rs. 19.20 Lacs. Times amount gets rolled over: 58.86.

Note: The above figures are for illustrative purpose only. There is no guarantee that the projection given would materialize.


Past Performance all other investment avenues

In past32 years BSE Sensex has given approx. 18% returns

This is in spite of …

  • Two wars

  • At least three major financial scandals

  • Assassination of 2 prime ministers

*As on 31th March, 2011

  • At least 3 recessionary periods

  • 10 different governments and

  • An unfair share of natural disasters

Risk factors: Mutual Fund investments are subject to market risks. Past performance may or may not be repeated in future. Please read the offer document carefully before investing.


Investing in the bse sensex 28 years

16.90% all other investment avenues

16.02%

15.07%

Fixed investment athighest sensex valueevery year

Fixed investment atlowest sensex valueevery year

Fixed investment on 1st day of every month

Market timing does not matter over the long term

Give Time rather than Timing the Equity market

Investing in the BSE Sensex – 28 years

Data source: ICRA MFIE


Wisdom all other investment avenues

“We do not need to be wealthy to be an investor …

But we can be wealthy if we are investors”

  • The Right way to create wealth …

    Buying potential big winning stocks

    Successfully timing the markets

    Following Expert Advisors recommendations

    Saving a lot of money

  • Wealth can be successfully created if we follow

    the three principles ...

    Starting early and saving for long

    Investing in the right asset class

    Investing Regularly – big or small


Using the Wisdom all other investment avenues

  • We all have goals and objectives in life to achieve like …

    Child Education

    Child Marriage

    Purchase of House, Car

    Retirement, etc

  • We can direct our savings to achieve our goals!!

Disciplined Savings

Right Asset Class

Sufficient Time

Goal Achievement


Helping you achieve your goals in life … all other investment avenues

Child Education - Saving years: 17 yrs

Amount Actually paid: 4.08 Lacs (for 2,000)

Child Marriage - Saving years: 21 yrs

Target : Rs.34 Lacs

GAP Amount : Rs.1,500

Amount Actually paid: 3.78 Lacs

Assuming returns of 20%. GAP figures are rounded off .

Note: The above figures are for illustrative purpose only. There is no guarantee that the projection given would materialize.


Helping you achieve your goals in life … all other investment avenues

Retirement - Saving years: 32 yrs

Target : Rs.2.20 Crores

GAP Amount : Rs.1,000

Amount Actually paid: 3.84 Lacs

Small monthly investments of few thousand rupees can help you Achieve your goals & Relax in life!

Assuming returns of 20%. GAP figures are rounded off .

Note: The above figures are for illustrative purpose only. There is no guarantee that the projection given would materialize.


Disclaimer: all other investment avenues

The above presentation is for private circulation only. This is for information purpose only and is not intended to be and must not be taken as the basis of any investment decision. Nothing in this presentation should be construed as an investment advice ,and/or as an advice to buy or sell or solicitation to buy or sell any mutual fund / schemes. NJ IndiaInvest has taken due care & caution in preparing this presentation and the information has been taken from various sources. However, NJ or any of its employees, Partners, do not take any responsibility or liability, expressed or implied, whatsoever, for any investment decision made or taken on the basis of this presentation. The viewers are strongly advised to seek expert professional help before making any decisions. The presentation contents returns / performance figures which are for illustrative purpose only. There is no guarantee that the projection given would materialize. NJ IndiaInvest or any of its employees or Network Partners cannot be held responsible for any performance or non-performance of the illustrations / projections depicted in this presentation.

Risk Factors:

Mutual funds and securities are subject to market risks and there can be no assurance and no guarantee that the objectives of Mutual Fund schemes invested in can be achieved. As with any investment in securities, the NAV of the units issued under the Scheme (s) can go up or down, depending up on the factors and forces affecting the capital markets. Past performance of the Sponsor/AMC/ does not indicate or guarantee the future performance of the Scheme(s) of any Mutual Fund. Investors are therefore urged to read the Offer Document (s) carefully, and consult their legal/tax/investment advisor before they invest in the scheme(s). Investors in the scheme(s) are not being offered a guaranteed or assured rate of return or monthly or regular/periodical income distribution, and the actual returns and/or periodical income distribution to an investor will be based on the actual NAV, which may go up or down, depending on the market conditions. Kindly refer to the Offer Document of the respective schemes carefully prior to investing.


THANK YOU all other investment avenues


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