THE SUCCESS STORY OF A

WEALTHY INVESTOR!

SIP Ab Sapne
Sach Karo
 MY DREAM
BECOME HOUSE Ab Sapne
CROREPATI Sach Karo
GIVING
BETTER EDUCATION
TO MY CHILDREN

ENJOY A PEACEFUL
RETIREMENT LIFE

ACHIEVE OTHER
GOALS

A dream is an inspiring picture of the future that

energizes your mind, will and emotions, empowering
you to do everything you can to achieve it.
THE RIGHT WAY Ab Sapne
Sach Karo
SIMPLE, SMART & TIME TESTED FORMULA TO ACHIEVE GOALS

START EARLY
+
INVEST IN RIGHT ASSET CLASS

+
SAVE REGULARLY
=
GOAL
ACHIEVEMENT
START EARLY TO GET BENEFIT FROM THE Ab Sapne
Sach Karo
‘POWER OF COMPOUNDING’
DO YOU KNOW?
AT THE RATE OF 15% COMPOUNDING WHAT WILL BE THE VALUE OF

R1/-
After 5 years After 10 years After 15 years After 30 years

R2/- R4/- R8/- R64/-

Give maximum TIME to your investment
to get most of POWER OF COMPOUNDING
Albert Einstein once noted that the most powerful force
in the universe was the principle of compounding. In
investing, this manifests itself through something called
compound interest. Put in its simplest terms, the phrase
compound interest means that you begin to earn
interest income on your interest income, resulting in
your money growing at an ever-accelerating rate.
INVESTMENT OPTIONS Ab Sapne
Sach Karo

BANK FD’s
- Low Rates
- High Taxes

REAL ESTATE
- High Price
- High Maintenance
- No Liquidity

MUTUAL
GOLD FUNDS
- Low Growth SIP
- Risky to keep at
home

SIP
PPF
- 15 years lock in period
- Low Rates MUTUAL FUNDS SIP
- No auto investment - Superior Returns - Easy to Investment or Redemption process
- Tedious Redemption - Auto Investment - Transparent & Convenient
process - High liquidity - Can Track everything online
- No lock in, (except, in elss for only 3 years)
EQUITY MARKET HAS OUTPERFORMED Ab Sapne
Sach Karo
ALL OTHER INVESTMENT AVENUES
R 1,77,635
1,80,000 15%
1,60,000 RIGHT ASSET CLASS
1,40,000 Growth of R1000 in Different Asset Classes
1,20,000

1,00,000

80,000

60,000

40,000 R30,000
R21,372
R18,144 R14,569 9.6%
20,000 R8,675 8.6%
8.1% 7.5%
6.0%
0
INFLATION GOLD SILVER BANK COMP. MUTUAL
DEPOSITS DEPOSITS FUNDS
Growth in Different Asset Classes from March 1981 - March 2019.
Source: Gold-Handbook of Statistics on Indian Economy, RBI. Silver - Handbook of Statistics on Indian Economy, RBI. Sensex
- www.bseindia.com, Co Deposits - assumed (1% higher than Bank FD Rate). Bank Deposits - Handbook of Statistics on
Indian Economy, RBI. Inflation(WPI) - Handbook of Statistics on Indian Economy, RBI

Equity mutual funds over a long-term

horizon offer better risk-return pay off + Liquidity, Transparency and
Convenience
SIP BENEFITS Ab Sapne
Sach Karo
SYSTEMATIC INVESTMENT PLAN (SIP) IS A SMART FINANCIAL PLANNING TOOL
THAT HELPS YOU BUILD WEALTH, STEP BY STEP, OVER A PERIOD OF TIME.

SIMPLEST WAY TO AUTOMATIC MONTHLY

INVEST FOR YOUR DREAM DEBIT FROMYOUR ACCOUNT

LESS INVEST A FIXED

PAPERWORK AMOUNT EVERY MONTH

BENEFITS OF DUE TO REGULAR INVESMENT,

POWER OF YOU BUY LOW AT HIGH LEVELS
COMPOUNDING AND VICE VERSA

SYSTEMATIC INVESTMENT PLAN

EXAMPLE - 1 Ab Sapne
Sach Karo
START EARLY, INVEST LESS GET ENOUGH CORPUS

FOR YOUR RETIREMENT ENJOY AND LIVE PEACEFUL LIFE

MR. EARLY MR. LATE
R11.41 CRORES

PRESENT AGE 25 YEAR 45 YEARS

MONTHLY SIP R10,000 R20,000

Assumed @ 15% CAGR

SIP TILL 60 YEARS 35 YEARS 15 YEARS
TOTAL INVESTMENT R42 LACS R36 LACS
WEALTH AT AGE OF 60 YRS R11.41 CRORES R1.23 CRORES

1.23
R CRORES
25 YEARS 45 YEARS 60 YEARS

Retirement planning is a long process. The earlier it is started, the better it is. When you are young, your risk-taking capacity is high,
which allows you to earn a higher rate of return. This is the time when you can start building a corpus for life after retirement.
The earlier you start, the easier it will be to reach your goals. If you wait for a few years, you will have to put aside a bigger sum to reach
the same goal.
FIRST SAVE AND THEN SPEND
INCOME - SAVINGS = MONEY AVAILABLE FOR SPENDING
EXAMPLE - 2 Ab Sapne
START EARLY, INVEST LESS GET ENOUGH CORPUS FOR YOUR CHILD Sach Karo

WHEN IT IS REQUIRED

R1.33 CRORES
MR. LATE’S
CHILD CORPUS

MR. EARLY’S PRESENT AGE 0 YEAR 10 YEARS

CHILD CORPUS MONTHLY SIP R10,000 R10,000

Assumed @ 15% CAGR

SIP TILL 20 YEARS 20 YEARS 10 YEARS
TOTAL INVESTMENT R24 LACS R12 LACS
WEALTH AT AGE OF 20 YEARS R1.33 CRORES R26.30 LACS

0 YEAR 10 YEARS 20 YEARS 20.30

R LACS

Systematic investing has a compounding effect on your investments. In the long term, an investment as low as R10,000/- per month
swells up into a huge corpus. Starting late even with a big investment amount will give you much lower returns as compared to an
early start.
The above example is merely an illustration to explain the benefit of investing at an early age. Returns are assumed at 15% CAGR.
Assumed that SIP investment are done regularly every month. The actual result may vary from depicted results depending on scheme
selected.
IMPORTANT Ab Sapne
Sach Karo
THINGS TO KEEP IN MIND Don't
Keep looking at
the markets, they will
Don't keep going up and down
check your
returns daily

Remember,
Don't even the worst
fund has delivered 10%+
worry if your funds return in the long term
are not performing, all
funds go through high and
low cycle
Invest for
Long term

Redeem
your money Never
only when required for Stop your SIP
the goal before it's tenure
SIP PERFORMANCE Ab Sapne
Sach Karo
EQUITY NOT RISKY IN LONG TERM PERFORMANCE
OF SIP IN DIVERSIFIED EQUITY MF SCHEMES

15 yrs Performance Returns on R25,000 invested per month

Category CAGR (%) Current Value (R)
Avg of MF Equity Schemes 13.72% 1,37,89,300*
*(Total number of schemes covered: 48, Returns as on 31st March, 2019.
SIP Amount of R25,000 per month. Total investment R45 Lacs)

SIP R25,000/- PER MONTH CURRENT VALUE

INVESTED R   R  

*Returns as on 31st March, 2019. For Schemes with dividend option, dividend reinvestment has been considered on the date of dividend. Investment
assumed to be done on 10th of every month. Source: Internal

There are 48 Equity funds, which have completed 15 years, the average SIP return of 48 diversified equity funds is 13.72%
over last 15 years. So someone who had started with SIP of R25,000 in April 2004, has accumulated R1.38 Cr as on 31st
March, 2019. (on an investment of R45 Lakh over the 15 year period).
 E-Wealth
Account

W E A LT H ON YOUR FINGERTIPS
PURCHASE

MUTUAL FUND REDEEM

INVESTMENT MADE EASY

SWITCH

- PAPER SIP

- SIGNATURE
- FORM FILLING

NJ E-WEALTH ACCOUNT FEATURES

- PAPERLESS EASY & MULTIPLE MODES OF TRANSACTIONS Download Mobile Application

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Disclaimer: The CAGR is computed based on IRR since SIP installment are received at different
interval across the SIP period. All information / data in the presentation is taken from various sources
including information developed in-house. All data and information assumed in the preparation of this
document is dated. The same may or may not be relevant at a future date. The actual future results
may significantly vary and depends on various market factors, political and other general economic
conditions. Investors are requested to consult their financial advisors before taking any investment
decision. Prospective investors are therefore advised to consult their own legal, tax and financial
advisors to determine possible tax, legal & other financial implication or consequence of subscribing
to the units of Mutual Fund. Mutual Fund investments are subject to market risks. Investors are
requested to read Scheme Information Document and Statement of Additional Information before
investing in any scheme. Any reproduction, copying and republishing of any contents including
Images/Logos used in this booklet are strictly prohibited and shall attract legal action.