Kuwait India Extends a Warm Welcome to Keralite Engineers’ Association (K.E.A.)

1. Kuwait India Extends a Warm Welcome to Keralite Engineers’ Association (K.E.A.)

2. A Presentation • About Kuwait India Int’l Exchange Co. • KIRAN On-line • NIKI • Sabhan International Consulting Organisation • Building Personal Wealth: Financial Planning & Strategy October 4, 2011

3. Kuwait India • Pre-eminent India-focused Exchange Co. • Established 1979 • Managed by top executives of SBI, since inception • Strong ties with State Bank Group • Wide bouquet of products/services: paper, electronic • Retail, Corporate, Trade Business -- Global • Millions & Millions of customers served “It takes 20 years to build a reputation and five minutes to ruin it. If you think about that, you’ll do things differently.”

4. Kuwait India Compelling Value-Proposition • Customer Focusedness • Cost Competitiveness • Superior Technology-based Products/Services • Efficacious Corporate Delivery Systems • Excellence in Feedback, Follow-up and After Sales • Strong Management Skills – expertise, traditions of SBI • Networking abilities with SBI and other Correspondent Banks • Looked up to by NRIs for guidance in remittance/savings/investment needs Customers’ Trust - - Kuwait India’s Pre-eminence

5. Kuwait India Int’l Exchange Co.W.L.L

6. Kuwait India—A Feedback “Kuwait India has really embraced its customers in the true sense of the word and has provided a level of service which is quite unparalleled…this is evident in the way the team takes all the customers thru the paces, putting them at ease, speaking their language and providing the necessary money transfer service in an utterly transparent and super efficient manner. This is in addition to solving their personal problems, giving advice, helping with contacts in India etc. etc. The customer service culture is so deep rooted that no customer would ever want to leave the Company

7. Kuwait India—A Feedback ever want to leave the Company.” Mr. Kanna, further adds: “The top management of Kuwait India, together with their team (silent, dedicated, efficacious, ‘behind the scenes’ players) have, over the years, converted most customers to “apostles” i.e. those who, on their own volition after having experienced the acme of service levels, promote the Company and bring in more and more customers. He says….”this is the single-most outstanding achievement of this fine organization.”

8. Kuwait India—KIRAN Online • Remittances from the comfort of your home/office; even from India and anywhere else in the world; it’s a child’s play! • A brief presentation

9. KIRAN Online—A Child’s Play

10. N I K I • Personal Accident Policy • Cover: KD 1000-1300 • Annual Premium: KD 1.200 ( a mere 100 fils a month!) • Residents of Kuwait – All Nationalities • Cover – Across the globe • From New India Assurance Co. • Eligibility: Age 18 to 65; Customer of Kuwait India Better Safe Than Sorry…For Your Dear Ones

11. Sabhan Int’l ConsultingHelping You Grow Your Wealth • Provides services in the area of: Marketing Consultancy Project Management Economic Consultancy Organising Fairs • For guidance/facilitation in: Stock Market Investments Mutual Funds Insurance Products Tax-Related Matters

12. Building Personal Wealth:Financial Planning & Strategy R.Kuppanna , General Manager Kuwait India International Exchange Co. October 4, 2011

13. Trader or Investor? http://www.motilaloswal.com:1234/MoslWeb/Campaigns/FacebookProfiler/frmFaceProfilerRegistration.aspx?SRC=profiler~Emailer~motilalOswal~29sept11~

14. Save, Invest & Grow Wealth • How does one save, protect savings, plan finances, invest, and build wealth? • Principles & Framework ? • Process : long term, systematic, patient, disciplined Short Term thinking is the Enemy of long term Success

15. The Power of Compounding • A sum of Rs. 100 invested would add up to: Compounding, says Einstein, is “the eighth wonder of the world”

16. Risk – Return Graph

17. Investment Concerns/Needs • Safety • Volatility • Inflation • Liquidity • Growth • Financial Goals • Wealth Building & Preservation • Comfortable Life: Post-Retirement What the wise men do in the beginning, fools do in the end.

18. Investment Options • NSO/PO: Deposits, NSCs, PPF • Banks: Savings, Recurring, Fixed Deposits • Company: Deposits, Debentures • Mutual Funds: Cap-Specific; Sector-Specific; Balanced; Hybrid; Liquid; Money-Market • Equity: Traded Stocks; ETFs; • Futures & Options • Precious Metals • Real Estate • Exotica If you cannot find an attractive idea, put your money in the bank a/c till you get one.

19. Qualitative Aspects • Manage Greed & Fear • Avoid emotional attachment • Avoid actions based on hearsay/rumours/sentiments • Avoid over-leveraging • Don’t try to time the market "Individuals who cannot master their emotions are ill-suited to profit from the investment process." - Benjamin Graham

20. Mutual Funds Suitable for those who: --don’t have wherewithal for research --have limited resources --have little time and --still would like to benefit from equities “When you combine ignorance and borrowed money, the consequences can be disastrous.”

21. Mutual Funds • Not an alternative investment option to stocks/bonds • Pools monies of several investors and invests in stocks/bonds/other securities • Owner of a mutual fund gets a proportional share of fund’s gains/losses/income/expenses • Derives the benefits of professional management, diversification, liquidity, affordability, convenience, flexibility, variety "Proper accounting is like engineering. You need a margin of safety. Thank God we don't design bridges and airplanes the way we do accounting." - Charlie Munger

22. Mutual Funds • Types of Funds: > Open-Ended (can enter/exit fund) > Close-Ended (exit after scheme period) > Interval-Fund (entry/exit at periodical intervals (quarterly/half-yearly etc.) “An investment in knowledge always pays the best interest.” . . Benjamin Franklin

23. Mutual Funds Making money on free advice, is like winning a lottery without a ticket

24. Exchange Traded Funds (ETFs) • What? –Investment Schemes whose units are listed on stock exchanges: after listing, traded like equity stocks • ETFs have some underlying security or group of securities (like an index), commodities (like gold or oil) • Underlying securities determine the value of ETFs

25. Gold ETFs • Has gold as the underlying security • Advantages: owning gold without the hassles of physically holding them—avoiding expenses, bank vault charges, insurance etc. • No concerns of quality—gold backing from LMBA and stored in vaults; fund house takes care of all risks of storage and safety; minimal expense ratio • Buying/Selling : Very Easy

26. LIC’s Gold Plus • Investments in Gold ETFs/Gold Spot • Investment Currency: US $ • Comes with Life Insurance Cover (min. $2000) • Term: 5-35 years • Lock-In: 2 years • No exit charges after 4 years • Upfront (allocation) charges: 6-7% • Nominal annual charges “Only buy something that you’d be perfectly happy to hold if the market shut down for 10 years.” – Warren Buffett

27. LIC’s Jeevan Astha - 2 • From LIC International • Single-Premium, Close-End $ Product • Guaranteed Returns: 5%, 5.5%, 5.75% for 3, 5, & 10 year maturity • Loyalty Additions • Unlimited Top-Up Amount • Age on Maturity: 18 to 70 Years • Minimum Plan: $ 2584.91

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33. THANK YOU