1. my care fps (1)
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MY CAREHealth & Wealth
REG OFFICE: A-2/402, First Floor, Sector-8, Rohini, New Delhi 110085.
Registration No: 2013033853, Bank: Axis Bank, Sector7, Rohini, New Delhi 110085.
Current Account Name: My Care, Account No: 914020003802258, IFSC Code: UTIB0001813
WEBSITE: www.my-care.in Email: [email protected] & [email protected]
PHONES: +91 9810986644, +919582233598
MY CARE FINANCIAL PRODUCTS SUPPORT
FINANCIAL PRODUCTS SUPPORT
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TOPICS OF DISCUSSION Financial Products Support & its Importance
Inflation & its Effect in your Financial Condition
Financial Tools & Comparison
Power of Compounding & 1 Crore Plan
Equity (Not Risky in Long Term) & other Asset Classes
Mutual Funds & Systematic Investment Plan (SIP)
Health Insurance, Life Insurance & their Importance
Personal Financial Products Support Package by My Care
Benefits of Financial Products Support by My Care
Process of Financial Products Support by My Care
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FINANCIAL PRODUCTS SUPPORT: FINANCIAL PRODUCTS SUPPORT is theprocess of establishing financial goals and creating a way to reach them. The financial goals caninclude buying a house, saving for your childs education / marriage or planning for yourretirement or simply creating a wealth for your future. FINANCIAL PRODUCTS SUPPORT ISIMPORTANT FOR GOAL ACHIEVEMENT ON RIGHT TIME
IMPORTANCE OF FINANCIAL PRODUCTS SUPPORT, REAL EXAMPLE (VALUES AS ON 30-09-2014)
8,000 PM INVESTED
AMOUNT INVESTED
WITHOUT PLANNING @8 %
WITH PRUDENT FINANCIAL PRODUCTS SUPPORT
DIFFERENCE
LAST 19 YEARS 18,24,000 41,49,231 3,45,45,550 @ 26.65%
RELIANCE GROWTH FUND -GR 3,03,6,319
LAST 12 YEARS 11,52,000 18,99,821 64,73,386 @ 26.46%SUNDARAM SELECT MIDCAP FUND GR
45,73,565
LAST 6 YEARS 5,76,000 7,34,408 15,31,240 @ 32.96%RELIANCE PHARMA FUND GR
7,96,832
FINANCIAL PRODUCTS SUPPORT IS IMPORTANT FOR GOAL ACHIEVEMENT ON RIGHT TIMEMY CARE02
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INFLATION: Inflation is a rise in the general level of prices of goods and services inan economy over a period of time. Example: Effect of Inflation (See Table Below):
S.NO PRODUCT IN 1985 IN 2012 GROWTH IN 2022 IN 2032
1 TOOTHPASTE 5 50 9.81% 127 325
2 MILK (1 Lt.) 4 36 8.48% 81 183
3 SUGAR (1 Kg) 4 45 9.38% 110 270
4 PETROL (1Lt.) 8 73 8.53% 166 378
5 ELECTRICITY (1 Unit) 0.27 7 12.81% 23 78
6 PRIMARY CLASS FEE 30/Month 1,500 15.59% 6,387 27,195
7 MBA 10,000 7,00,000 17.04% 33,76,301 1,62,84,870
8 STONE SURGERY 1,000 80,000 17.62% 4,05,17 20,54,535
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INFLATION: Example: Suppose cost of a product this year is 100 & inflation is 8%then next year you need 108 to buy the same product. (100 + 100 X 8% = 108)
S.NO YEAR MONTHLY EXPENSES OF A MIDDLE CLASS FAMILY
1 1960 100 ( ONE HUNDRED ONLY)
2 1980 1,000 ( ONE THOUSAND)
3 2000 10,000 ( TEN THOUSAND)
4 2020 1,00,000 ( ONE LAKH)
NOTE: AVERAGE INFLATION: 12.20% PER YEAR IN LAST 50 YEARS(INCLUDES BASIC INFLATION + LIFESTYLE INFLATION)
INFLATION IS THE CAUSE OF MONEY EROSION & NEEDS ATTENTION DURING FINANCIAL PRODUCTS SUPPORT
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GOAL ACHIEVEMENT (COMPARISION OF INVESTMENT OPTIONS {8% & 18%})CASE STUDY: Mr. A OF 35 YEARS & HAS A CHILD OF 3 YEARS (IMPORTANCE OF FINANCIAL PRODUCTS SUPPORT)
GOALPRESENT
COSTFUTURE COST
TIME TO SAVE (YEARS)
SIP NEEDED
AT 8%
LUMPSUM NEEDED
AT 8%
SIP NEEDED
AT 18%
LUMPSUM NEEDED
AT 18%
CHILD EDUCATION(WHEN CHILD IS OF 17 YEARS)
10,00,000 29,37,194 14 9,693 10,00,000 4,399 2,89,457
CHILD MARRIAGE(WHEN CHILD IS OF 25 YEARS)
15,00,000 81,54,811 22 11,751 15,00,000 3,008 2,13,801
RETIREMENTMONTHLY EXPENSE (AT 60 YEARS OF AGE)
20,000(PER MONTH)
1,36,980 PM(CORPUS REQD)
2,58,32,78725 28,238 37,72,049 5,738 4,12,212
TOTAL 25,00,000 3,69,24,791 49,681 62,72,049 13,144 9,15,471
ASSUMPTION: INFLATION-8%, POST RETIREMENT INFLATION-7%, LIFE EXPECTANCY-80 YEARS.
FINANCIAL PRODUCTS SUPPORT IS IMPORTANT FOR GOAL ACHIEVEMENT ON RIGHT TIMEMY CARE05
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FINANCIAL TOOLS: INVESTMENT OPTIONS AVAILABLE
PPF
Bonds
NSC/KVP
Bank Fixed Deposits
Corporate Fixed Deposits
Life Insurance
Gold
Real Estate
Direct Equity
Mutual Funds
ANALYSE BEFORE INVESTING
S.NO. PRODUCT FEATURE YES/NO
1 BEATS INFLATION Y N
2 TAX EFFICIENT Y N
3 LIQUIDITY Y N
4 FLEXIBILITY Y N
5 COST (TIME & MONEY) Y N
6 GOAL ACHIEVEMENT Y N
EXAMPLE: 1,00,000 INVESTED IN BANK FIXED DEPOSIT @ 9% FOR 1 YEAR , INFLATION 7%THE VALUE AFTER 1 YEAR 1,00,000- 7,000+ 9,000(TAXABLE) = 1,02,000. POST TAX RETURNAFTER 1 YEAR = 1,02,000 - 2,700(TAX) = 99,300}. {BUT OUR NEED IS 1,07,000 + GROWTH}.
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FINANCIAL TOOLS: COMPARISION TABLEFINANCIAL TOOL
ANNUALRETURNS
TIMEHORIZON
TAX FREERETURNS
LIQUIDITYCAN BEAT
INFLATIONGOOD FOR GOALACHIEVEMENT
PPF 8.6% 15 YEARS YES NIL NO NO
BONDS 8-10% 8-12 YEARS NO NIL NO NO
NSC/KVP 8.6% 7-8 YEARS YES NIL NO NO
BANK FD 8-9% VARIABLE NO NO NO NO
CORPORATE FD 9-12% VARIABLE NO NO NO NO
LIFE INSURANCE 5-8% 10-20 YEARS YES LOW NO NO
GOLD 8-12% VARIABLE NO YES NO NO
REAL ESTATE APROXX15% VARIABLE NO NO MAY BE NO
DIRECT EQUITY APROXX 15% VARIABLE YES LOW MAY BE NO
MUTUAL FUNDS 15-20% 5-8 YEARS YES FULL YES YES
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IMPACT OF CHOOSING THE RIGHT INVESTMENT PRODUCT: SEE TABLEEXAMPLE: 8,000 PM 10 YEARS 15 YEARS 20 YEARS 25 YEARS
AMOUNT INVESTED @ 0% 15,00,000 22,50,000 30,00,000 37,50,000
LIFE INSURANCE @ 6% 20,40,804 36,03,856 56,95,572 84,94,760
PPF/GPF @ 8%PA 22,66,040 42,47,231 71,58,250 1,14,35,493
ELSS @ 18% PA 38,63,501 1,13,00,871 2,40,84,428 5,62,74,455
GAP BETWEEN 8% & 18% 15,97,461 70,53,640 1,57,82,635 5,51,30,912
1. CHOICE OF THE INVESTMENT PRODUCT HAS A DEEP IMPACT ON YOUR FINANCIALCONDITION BECAUSE OF GROWTH RATE & EFFECT OF COMPOUNDING.
2. SO, BE CAREFUL & THINK AGAIN BEFORE YOU INVEST YOUR HARD EARNED MONEY.
3. INVESTMENT IS THE ONLY WAY IN THIS WORLD, WHERE YOU GET THE MONEYWITHOUT WORKING.
FINANCIAL PRODUCTS SUPPORT IS IMPORTANT FOR GOAL ACHIEVEMENT ON RIGHT TIMEMY CARE08
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START EARLY : SEE TABLE TO SEE BENEFIT OF STARTING EARLY (@15%CAGR)FEATURE RAM SHYAM
INVESTMENT STARTING AGE 25 YEARS 40 YEARS
INVESTMENT-MONTHLY SIP 5,000 15,000
SAVING YEARS TILL AGE 60 35 YEARS 20 YEARS
TOTAL INVESTMENT MADE 21,00,000 36,00,000
WEALTH CREATION 5.70 Cr 1.99 Cr
DELAY COST: EXAMPLE: RAM INVESTED 5,000 FOR 35 YEARS IN SIP (@15%CAGR)INVESTMENT FINAL AMOUNT LOSS (DELAY COST)
STARTED ON TIME (NO DELAY) 5,70,74,220 0
ONE MONTH DELAY IN STARTING 5,64,08,342 6,65,878
SIX MONTHS DELAY IN STARTING 5,31,92,840 38,81,380
ONE YEAR DELAY IN STARTING 4,95,73,434 75,00,786
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THE POWER OF COMPOUNDING: (8TH WONDER OF THE WORLD) 1 CRORE PLANONE TIME INVESTMENT @18%CAGR
INVESTMENT TIME PERIOD FINAL AMOUNT
20,000 37.5 YEARS 1,00,87,730
50,000 32.1 YEARS 1,01,48,046
70,000 30 YEARS 1,00,35,945
1,00,000 27.9 YEARS 1,01,27,634
2,00,000 23.7 YEARS 1,01,07,263
5,00,000 18.1 YEARS 1,00,00,791
SIP PER MONTH @18%CAGR
AMOUNT TIME PERIOD FINAL AMOUNT
500 35 YEARS 1,00,99,910
1,000 31 YEARS 1,12,11,824
5,000 21 YEARS 1,00,41,260
25,000 11.5 YEARS 1,04,18,850
50,000 9 YEARS 1,14,51,512
1,00,000 6 YEARS 1,13,30,361
1. YEARS OF DOUBLING THE INITIAL AMOUNT = 72/RATE OF INTEREST, SO IF RATE OF RETURN IS 18%THEN DOUBLING TIME IS 72/18 = 4 YEARS.
2. SO 1 LAKH WILL BECOME 2 LAKHS IN 4 YEARS (@ 18 % RATE OF RETURN PER ANNUM), 4 LAKHSIN 8 YEARS, 8 LAKHS IN 12 YEARS, 16 LAKHS IN 16 YEARS, 32 LAKHS IN 20 YEARS, 64 LAKHS IN 24YEARS , 1.28 CRORE IN 28 YEARS & 2.56 CRORES IN 32 YEARS.
3. DID YOU KNOW THAT 1 DOUBLED BY 30 TIMES BECOMES 100 CRORES.
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EQUITY: WHAT IS EQUITY? Equity is BUYING BUSINESSES or INVESTING IN A BUSINESS. Equity is OWNERSHIP OF BUSINESS. Equities are nothing but SLAVES OF EARNINGS (Consumption Theory) 10 yr deposit of the companies offering 8% PA...is it a good investment? Geniuses like Aditya Puri, Ratan Tata, Sunil Mittal are managing the
companies. They are borrowing at 8% because they are confident of earning 15% pa
over 10 years. (POWER OF EQUITY To deliver returns above the Inflation)Why not partner them in this growth, instead of lending to them. If we trust they will repay debt, then why doubt their ability to make profits.
HOW EQUITY DELIVERS RETURNS
INCREASED CONSUMPTION (FMCG, CARS, SHOPPING) BOOSTING BUSINESS OF RELATED COMPANIES(PIZZA HUT, MARUTI, BSES, ITC) COMPANIES MAKE PROFIT THEIR VALUATION INCREASES OVERTIME YOU ALSO EARN IN PROPORTION IF YOU PARTICIPATE IN THEIR BUSINESS (EQUITY/OWNERSHIP)
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HOW EQUITY DELIVERS RETURNS: BASIC CONCEPT
1 CONSUMPTION (USE OF PRODUCT & SERVICES BY PUBLIC)
EXAMPLE: TEA, PIZZA, BRANDED GARMENTS, LAPTOPS, SMARTPHONES, CARS, FUEL ETC.
2 PROFIT EARNED BY THE RELATED COMPANIES (ITC, SAMSUNG, HP, MARUTI SUZUKI) VALUATION OF COMPANIES INCREASE OVER TIME (INCREASE IN SHARE PRICES)
3 MUTUAL FUND SELECTS THE BEST COMPANIES TO INVEST - EQUITY (PORTFOLIO) PROFESSIONAL MANAGEMENT BY FUND MANAGER - GENERATE RETURNS FOR US
INCREASE IN CONSUMPTION PROFIT IN COMPANIES RETURNS IN MUTUAL FUNDS
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INDIAN CONSUMERS: COMPARISION WITH WORLDS POPULATION
INCREASED CONSUMPTION INCREASED PROFIT OF COMPANIES (ARE YOU PARTICIPATING IN THEIR GROWTH? EQUITY)
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INDIAN ECONOMY: GROWTH STORY SO FAR IN LAST 60 YEARS SUSTAINED GROWTH
SOURCE: MINISTRY OF STATISTICS AND PROGRAMME IMPLEMENTATION, ANNUAL REPORT 2010-2011
GROSS DOMESTIC PRODUCT(GDP) is the market value of all officially recognized final goodsand services produced within a country in a given period of time. Major contributors to GDPare Agriculture, Industry & Service Sector.
GDP = C(Private Consumption)+I(Gross Investments)+G(Government Spending)+{X(Exports)-M(Imports)}MY CARE14
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INDIAN ECONOMY DEMOGRAPHICS & RISING AFFORDABILITY
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WHO ARE THE WEALTHIEST PEOPLE ON EARTH?
William Gates III Jr.
Warren Buffett
Lakshmi Mittal
Sam Waltons family (owner of Wal Mart Stores)
CLOSER HOME
The Ambanis
Azim Premji
The infocians
Rakesh Jhunjhunwala
YOU ????????
THE SECRET OF THEIR WEALTH EQUITY
THEY ARE RICH BECAUSE THEY
UNDERSTOOD THE POWER OF EQUITY
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MUTUAL FUNDS
Potentially High Returns
Professional Management
Diversification
Liquidity
Flexibility
Well Regulated
Tax Free Returns
BEST WAY TO INVEST IN EQUITY:
MOST TRANSPARENT
ZERO ENTRY LOAD
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MUTUAL FUNDS: HOW MUTUAL FUND WORKS?
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EQUITY- NOT RISKY OVER LONG TERM: SENSEX OBSERVATIONS
NOTE: PROBABILITY OF LOSS IS JUST 4.17% IN 10 YEARS PERIOD & NIL IN PERIOD OF MORE THAN 10 YEARS
Sensex Earnings Chart
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EQUITY- NOT RISKY OVER LONG TERM: MUTUAL FUNDS OBSERVATIONS
NOTE: PROBABILITY OF LOSS IN EQUITY MUTUAL FUNDS IS NIL IN PERIOD OF MORE THAN 5 YEARS.MY CARE20
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COST OF SECURITY: COMPARISION OF PPF (NON RISKY) & ELSS (RISKY) IN LAST 17 YEARSPPF
DATES INVESTMENT AMOUNT INTEREST RATE FUND VALUE
29-3-1996 1,00,000 12.00% 1,00,000
31-3-1997 1,00,000 12.00% 2,12,000
31-3-1998 1,00,000 12.00% 3,37,440
31-3-1999 1,00,000 12.00% 4,77,930
31-3-2000 1,00,000 11.00% 6,30,510
30-3-2001 1,00,000 9.50% 7,90,400
28-3-2002 1,00,000 9.00% 9,61,540
31-3-2003 1,00,000 8.00% 11,38,461
31-3-2004 1,00,000 8.00% 13,29,540
31-3-2005 1,00,000 8.00% 15,35,900
31-3-2006 1,00,000 8.00% 17,58,780
30-3-2007 1,00,000 8.00% 19,99,480
31-3-2008 1,00,000 8.00% 22,59,440
31-3-2009 1,00,000 8.00% 25,40,199
31-3-2010 1,00,000 8.00% 28,43,410
31-3-2011 1,00,000 8.00% 31,70,888
30-3-2012 1,00,000 8.60% 35,43,584
30-3-2013 1,00,000 8.80% 39,55,408
30-3-2014 1,00,000 8.60% 43.99,528
02 07-2014 19,00,000 44,92,246
ELSS (HDFC TAXSAVER- GROWTH)
DATESINVESTMENT
AMOUNTNAV FUND VALUE
29-3-1996 1,00,000 10 1,00,000
31-3-1997 1,00,000 9.04 1,90,400
31-3-1998 1,00,000 12.40 3,61,168
31-3-1999 1,00,000 19.85 6,78,160
31-3-2000 1,00,000 41.56 15,19,866
30-3-2001 1,00,000 15.72 12,61,505
28-3-2002 1,00,000 19.86 16,93,734
31-3-2003 1,00,000 18.64 16,89,688
31-3-2004 1,00,000 40.12 37,37,090
31-3-2005 1,00,000 67.56 63,92,223
31-3-2006 1,00,000 131.22 1,25,16,466
30-3-2007 1,00,000 133.88 1,28,70,090
31-3-2008 1,00,000 152.02 1,47,13,698
31-3-2009 1,00,000 97.06 94,94,524
31-3-2010 1,00,000 205.68 2,02,19,143
31-3-2011 1,00,000 232.90 2,29,95,086
30-3-2012 1,00,000 223.70 2,21,86,735
30-3-2013 1,00,000 225.53 3,09,43,066
30-3-2014 1,00,000 276.79 3,81,10,274
02 07-2014 19,00,000 4,97,04,282
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200
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DF
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AX
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TIME PERIOD 1997 TO 2013
NAV OF HDFC TAXSAVER FUND GROWTH IN LAST 17 YEARS (1997 TO 2013)
EQUITY- NOT RISKY OVER LONG TERM: NAV OBSERVATIONS OF A MUTUAL FUND
BURST OF IT BUBBLE
GLOBAL SUBPRIME
CAGR 20.49 % IN LAST 17 YEARS
NOTE: PROBABILITY OF LOSS IN THIS EQUITY MUTUAL FUND IS NIL IN PERIOD OF MORE THAN 5 YEARS.MY CARE22
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EXAMPLE OF PROFESSIONAL MANAGEMENT: MUTAL FUNDS
YEAR 2000 2001 2004INVESTMENT14/02/2000
VALUE ON 21/09/2001
VALUE ON 23/11/2004
GROWTH
SENSEX 5,924 2,600 6,009 1.43%
HDFC EQUITY FUND GR 1,00,000 51,179 2,12,360 112%
FRANKLIN BLUECHIP FUND GR 1,00,000 66,222 2,02,540 102%
RELIANCE VISION FUND GR 1,00,000 41,240 2,55,610 155%
HDFC PRUDENCE FUND GR 1,00,000 71,651 2,35,370 135%
TATA PURE EQUITY FUND GR 1,00,000 43,927 1,82,630 82%
FRANKLIN INDIA PRIMA FUND GR 1,00,000 45,550 2,56,670 156%
HDFC TOP 200 FUND GR 1,00,000 46,002 1,69,780 69%
ICICI PRUDENTIAL POWER FUND GR 1,00,000 45,433 2,21,220 121%
RELIANCE GROWTH FUND GR 1,00,000 26,818 2,21,750 121%
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EXAMPLE OF PROFESSIONAL MANAGEMENT: MUTAL FUNDS
YEAR 2008 2009 2010INVESTMENT10/01/2008
VALUE ON 09/03/2009
VALUE ON 10/11/2010
GROWTH
SENSEX 20,582 8,160 20,875 1.42%
RELIANCE BANKING FUND GR 1,00,000 41,802 1,82,622 82.62%
RELIANCE PHARMA FUND GR 1,00,000 59,387 2,06,983 106.98%
BIRLA SUN LIFE MNC FUND GR 1,00,000 51,396 1,49,694 49.69%
UTI TRANSPORTATION & LOGISTICS 1,00,000 71,651 1,71,204 71.20%
SUNDARAM SELECT MIDCAP FUND GR 1,00,000 33,982 1,23,674 23.67%
HDFC EQUITY FUND GR 1,00,000 41,466 1,43,289 43.29%
HDFC TOP 200 FUND 1,00,000 47,152 1,41,858 41.8%
ICICI PRU BANK & FIN SERVICES FUND 1,00,000 40,291 1,47,065 47.07%
RELIANCE GROWTH FUND 1,00,000 55,919 1,66,668 66.67%
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SIP: BEST METHOD OF INVESTING IN EQUITY MUTUAL FUNDS
TIME JANUARY 2008 FEBRUARY 2009 AUGUST 2009 NOVEMBER 2010
SENSEX 20,000 9,000 15,000 20,000
SIP RETURNS 33.70% CAGR From January 2008 to November 2010
Returns are based on average SIP returns of 150 Mutual Funds equity schemes available in Jan 2008
INVEST IN EQUITY FOR LONG TERM, DON'T TRY TO TIME THE MARKET, BE A REGULAR INVESTOR**** EQUITY IS FOR LONG TERM ***
SIP (Systematic Investment Planning) is a method of investing a fixed amount, at a regularinterval, in a mutual fund.
Advantages of SIP: Encourages Regular Investments, Flexible & Very Convenient, Lowerinitial investment without cutting into regular expense, Long term perspective, Rupee CostAveraging Benefit to counter volatility as it brings down the average cost of yourInvestments, No need to time the market, Meet investment objective with investmentneeds, Helps to match the risk / return profile.
EXAMPLE OF SIP: IN ADVERSE CONDITIONS
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Average Returns of Top 10 Schemes = 24.99 % Average Returns of Top 20 Schemes = 22.31% Average Returns of Top 30 Schemes = 20.61% Average Returns of Top 50 Schemes = 18.56%
(SIP Return of 198 Diversified Equity Schemes in Percentage as on 31st December, 2012)
Average Returns of Top 10 Schemes = 21.63 % Average Returns of Top 20 Schemes = 20.75% Average Returns of Top 30 Schemes = 19.98%
(SIP Return of 54 Diversified Equity Schemes in Percentage as on 31st December, 2012)
Average Returns of Top 10 Schemes = 23.91 % (SIP Return of 22 Diversified Equity Schemes in Percentage as on 31st December, 2012)
SIP RETURNS: LAST 5 YEARS
SIP RETURNS: LAST 10 YEARS
SIP RETURNS: LAST 15 YEARS
SIP RETURNS: IN NEXT 5 YEARS ? 10 YEARS? 15 YEARS ? < = > 18%MY CARE26
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MUTUAL FUND CAGR (%) CURRENT VALUE
Sundaram Select Midcap - Gr 32.6 16,80,487
Reliance Growth Fund 32.16 16,25,550
SBI Magnum Global Fund 94 - Div 30 13,78,585
HDFC Top 200 Fund - Div 29.34 13,10,173
Franklin India Prima Fund - Gr 27.49 11,34,387
Tata Pure Equity Fund - Gr 27.29 11,16,716
DSP BlackRock Opportunities Fund - Gr 26.82 10,76,162
Kotak 50 Equity Scheme - Div 24.75 9,12,863
Average of Diversified Equity Scheme 24.95 9,27,604
SENSEX (BSE 30) 19.12 5,75.237
BSE 200 20 6,19,174
CNX Midcap 23.57 8,30,100
NSC 500 19.53 5,95,346
VALUE OF 1,00,000 INVESTED 10 YEARS BEFORE (VALUE ON 31ST DEC2012)
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GROWTH IN DIFFERENT ASSET CLASSES: VALUE ON 31-12-2012
66,510 1,11,840 1,41,460
1,51,480
53,740
8,93,170
0
1,00,000
2,00,000
3,00,000
4,00,000
5,00,000
6,00,000
7,00,000
8,00,000
9,00,000
10,00,000
Inflation Gold Silver Co Deposit Bank Deposit Sensex
Growth of 10,000 in Different Asset Classes Since 1981-1982
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ANNUAL PERFORMANCE BY ASSET CLASSES :LAST 14 YEARS {1999 -- 2012}S.NO CALANDER YEAR GOLD (%) PROPERTY (%) EQUITY (%) BANK FD (%)
1 1999 2 -3 95 10
2 2000 1 0 -21 9
3 2001 5 3 -22 9
4 2002 23 6 9 8
5 2003 13 9 87 6
6 2004 1 16 19 5
7 2005 9 29 41 6
8 2006 21 31 43 6
9 2007 16 49 61 8
10 2008 26 16 -54 8
11 2009 24 -11 86 10
12 2010 23 15 17 6
13 2011 32 7 -25 9
14 2012 12 10 31 9
Average 14.86 12.64 26.21 7.79Value of 10,00,000 invested
(Value in 2012 if invested in 1999) 69,56,061 52,73,239 2,60,20,326 28,58,239
Source : Bloomberg, BSE, Company Data, HDFC Ltd, Morgan Stanley Research
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PROPERTY VS EQUITY MUTUAL FUNDS
PROPERTY EQUITY MUTUAL FUNDS
HUGE AMOUNT IS REQUIRED HUGE AMOUNT IS NOT REQUIRED
HIGH TRANSACTION COST (12-15%) NO TRANSACTION COST
HASSELS IN TRANSACTION NO HASSELS IN TRANSACTION
NO LIQUIDITY & RESTRICTED FLEXIBILITY FULL LIQUIDITY & HIGHLY FLEXIBLE
SECTOR IS NOT REGULATED WELL REGULATED BY SEBI(GOVT.)
RISK OF FRAUD NO SUCH RISK
BLACK MONEY MAY BE INVOLVED BLACK MONEY IS NEVER INVOLVED
RETURNS ARE TAXABLE (LTCG: 20%) RETURNS ARE TAX FREE (LTCG: 0% AFTER 1 YEAR)
PERFORMANCE IN LAST 14 YEARS 12.64% PERFORMANCE IN LAST 14 YEARS 26.21%
10,00,000 TO 52,73,239 IN LAST 14 YEARS 10,00,000 TO 2,60,20,326 IN LAST 14 YEARS
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DIRECT SHARE TRADING VS EQUITY MUTUAL FUNDS
DIRECT SHARE TRADING EQUITY MUTUAL FUNDS
HIGH INVESTMENT AMOUNT NEEDED LOW INVESTMENT AMOUNT IS NEEDED
LACK OF EXPERTISE (INVESTOR) PROFESSIONAL EXPERTISE (FUND MANAGER)
INADEQUATE INFORMATION ON TIME HIGH QUALITY & TIMELY INFORMATION
LOW DIVERSIFICATION HIGH DIVERSIFICATION
HIGH RISK LOW RISK
LOW FLEXIBILITY HIGH FLEXIBILITY
HIGH TRANSACTION COSTS LOW TRANSACTION COSTS (EXIT LOAD)
LOW TRANSPARENCY FROM BROKER HIGHLY TRANSPARENT (FUND HOUSE)
LACK OF MANAGEMENT BY INVESTOR FULL TIME FUND MANAGEMENT TEAM
INVESTOR ENGAGEMENT IS REQUIRED INVESTOR ENGAGEMENT IS NOT REQUIRED
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MUTUAL FUNDS: LIQUID MONEY MANAGEMENT
SAVING BANK ACCOUNT LIQUID MUTUAL FUNDS
RETURNS 4% ANNUAL RETURNS 8% ANNUAL (APROXX, 7% TO 9%)
INTREST CREDITED QTLY OR HALF YEARLY INTREST IS CREDITED DAILY
TDS DEDUCTED IF INTREST > 10,000 PA TDS IS NOT DEDUCTED (NO ENRTY/EXIT LOAD)
ATM CUM DEBIT CARD FACILITY - YES YES & MORE FLEXIBLE (IN SELECTED SCHEMES)
1,00,000 WILL GIVE YOU 21,665 IN 5 YEARS 1,00,000 WILL GIVE YOU 47,000 IN 5 YEARS
1. THIS IS THE RIGHT INSTRUMENT TO PARK YOUR LIQUID MONEY
2. VERY EASY TO OPERATE, ONLINE TRANSACTION FACILITY AVAILABLE
3. FIXED DEPOSITS LIKE PRODUCTS ARE ALSO AVAILABLE IN MUTUAL FUNDS WITH BETTER
RETURNS THAN BANK FIXED DEPOSITS.
4. MY CARE WILL FURTHER HELP YOU ON THESE PRODUCTSMY CARE32
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HEALTH INSURANCE: YOU MUST HAVE ADEQUATE & RIGHT HEALTH INSURANCE POLICY
HEALTH INSURANCE IS A TYPE OF INSURANCE THAT COVERS YOUR MEDICAL EXPENSES
HEALTH INSURANCE PROTECTS US FROM SUDDEN, UNEXPECTED COSTS OF HOSPITALIZATION
HEALTHCARE IS INCREASINGLY EXPENSIVE, WITH TECHNOLOGICAL ADVANCES
CONVENIENT CASHLESS CLAIM BENEFITS & CAN BE USED MULTIPLE TIMES UPTO SUM ASSURED
THERE ARE MANY LOOPHOLES & TECHNICAL ISSUES IN BUYING A HEALTH INSURANCE POLICY
SUM ASSURED OF 25,00,000 IS AVAILABLE IN JUST 12,000 TO 15,000 ONLY (AGE DEPENDENT)
THERE ARE MANY ISSUES RELATED TO CLAIM SETTELMENT, WITH NETWORK HOSPITALS ETC.
My Care WILL HELP YOU TO BUY THE BEST HEALTH INSURANCE POLICY
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LIFE INSURANCE: YOU MUST HAVE ADEQUATE & RIGHT TERMLIFE INSURANCE POLICY
LIFE INSURANCE IS A TYPE OF INSURANCE THAT COVERS THE RISK OF LIFE
PROTECTS YOUR LOVEDONES FROM SUDDEN FINANCIAL CRISIS IN UNEXPECTED MISHAPPENING
ADEQUATE LIFE INSURANCE IS MUST FOR YOUR LOVEDONES/DEPENDENTS IN YOUR ABSENCE
TERM INSURANCE POLICIES OF 1 CRORE SUM ASSURED ARE AVAILABLE IN JUST 8,000 ANNUAL
THERE ARE MANY LOOPHOLES & TECHNICAL ISSUES IN BUYING A LIFE INSURANCE POLICY
OTHERWISE THERE MAY BE MAJOR FINANCIAL CRISIS OR EVEN MAY LEAD TO INDEBTEDNESS
THERE ARE MANY ISSUES IN CLAIM SETTELMENT, VARIES WITH COMPANY TO COMPANY, ETC.
MY CARE WILL HELP YOU TO BUY THE BEST LIFE INSURANCE POLICY .
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FINANCIAL PRODUCTS SUPPORT BY MY CARE:
1
DOING YOUR FINANCIAL HEALTH CHECKUP INCLUDING YOUR INCOME AND YOUREXPENDITURE, INVESTMENTS, ASSETS, LOANS, LIABILITIES ETC.
ANALYSIS OF YOUR CURRENT FINANCIAL SITUATION & FINANCIAL RESOURCES
2
HELPING YOU IN DEVELOPING YOUR FINANCIAL GOALS & SCANNING YOUR RISK TO KNOW YOURRISK PROFILE
PREPARING PERSONAL INVESTMENT NEED ASSESSMENT for you{WORTH 50,000 OR MORE}
3
RECOMMENDING YOU THE BEST FINANCIAL TOOLS AVAILABLE FOR INVESTMENTS, PROTECTIONNEEDS & OTHER STRATEGIES. {VERY IMPORTANT FOR PROTECTION OF YOUR HARD EARNED MONEY, WORTH ....???}
FULL IMPLEMENTATION SUPPORT (MANUAL, ONLINE AND CALL & TRANSACTION OPTIONS)
4
ONLINE TRANSACTION ACCOUNT LINKED TO YOUR BANK ACCOUNT WITH ZERO BROKERAGE INALL MUTUAL FUND TRANSACTIONS (WORTH 1,00,000 OR MORE IN 25 YEARS)(MAINTAINANCE FEE OF JUST 300 PA)
PAPER FREE ACCOUNT FOR SIP, PURCHASE, REDEMPTION, STP, SWP IN MF, SHARES, ETF ETC.
FINANCIAL PRODUCTS SUPPORT IS IMPORTANT FOR GOAL ACHIEVEMENT ON RIGHT TIME
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FINANCIAL PRODUCTS SUPPORT BY MY CARE:
5
PERSONAL WEALTH ACCOUNT FOR TRACKING OF YOUR INVESTMENTS {WORTH 50,000 OR MORE} DETAILED TRACKING OF YOUR INVESTMENTS LIKE AMOUNT INVESTED, TRANSACTION
HISTORY, CURRENT STATUS, DETAILED PROFIT & LOSS CALCULATION, CAGR, COMPARISION WITHBENCHMARKS, DETAILED REPORTING OF PORTFOLIO, INFLATION ETC & PDF & EXCEL EXPORT.
6
PERIODICAL ASSESSMENT OF YOUR INVESTMENTS & PORTFOLIO WITHOUT ANNUAL AUMMAINTAINANCE CHARGES {WORTH 5,O0,000 OR MORE} & TAX PLANNING.
SUGGESTING YOU THE REQUIRED CHANGES IN YOUR PORTFOLIO PERIODICALLY (IF NEEDED)
7
My Care FINANCIAL EDUCATION SYSTEM. (WORTH..??? INVALUABLE) BASIC CONCEPTS OF FINANCIAL PRODUCTS SUPPORT & MANAGEMENT, STUDY
MATERIAL, FINANCIAL EDUCATION SEMINARS , RECENT UPDATES & MUCH MORE. CONTINUOUS PROCESS.
FINANCIAL PRODUCTS SUPPORT IS IMPORTANT FOR GOAL ACHIEVEMENT ON RIGHT TIME
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BENEFITS OF FINANCIAL PRODUCTS SUPPORT BY MY CARE:
ALL FINANCIAL TOOLS AVAILABE UNDER ONE ROOF
UNBIASED & TRANSPARENT ADVICE (VERY IMPORTANT FOR YOUR FINANCIAL HEALTH)
PREMIUM SERVICES AVAILABLE AT A VERY LOW COST PAPER FREE TRANSACTIONS
BETTER TAX PLANNING, BETTER RISK PLANNING (LIFE & HEALTH RISK COVERS)
FREE FINANCIAL EDUCATION SYSTEM CFE (CONTINUOUS FINANCIAL EDUCATION)
PLATFORM FOR UNDERSTANDING THE ART OF FINANCIAL MANAGEMENT
COST EFFECTIVE & BEST ASSISTANCE FOR YOUR GOAL ACHIEVEMENT
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PROCESS OF FINANCIAL PRODUCTS SUPPORT BY MY CARE:
Register yourself to My Care Family & get your My Care Registration Number.
Fill up the Financial Products Support Application Form Carefully (Manual or Online)
Fill up the My Care Referral System Form, Paste your Photo & sign on both side of form.(OPTIONAL)
Provide Your Details & Documents for Online Transaction Account
1. PAN Card Self Attested Copy
2. Address Proof Self Attested Copy
3. Cancelled Cheque with Name Print (else with passbook)
Check your Mobile Inbox & Email for welcome message.
Kindly go through the attachments of welcome mail for better understanding.
You will receive the soft copy of duly filled Online Transaction Form on your registered email
address.
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Take print on both sides of paper, sign as per list, past photo, cross sign, attach necessary
documents & submit to your sponsor or My Care Office as soon as possible
Once your Investment Need Assessment & Accounts (Wealth Account & Transaction Account)
are ready, well call you for the initial first meeting with us (after one month of association).
The first meeting will include discussion of your Investment Need Assessment, Wealth
Account & Transaction Account and Implementation & Operational Procedures.
Contact us for next meetings, once in six months, for revision in your portfolio (mandatory).
Stay in touch with your sponsor for latest updates, attend all CFE (Continuous Financial
Education) like Financial Education Seminars for financial education, read email
communications, attend all important meetings etc.
Feel free to contact us or your sponsor for any support.
PROCESS OF FINANCIAL PRODUCTS SUPPORT BY MY CARE:
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SUMMARY OF DISCUSSION Financial Products Support & its Importance
Inflation & its Effect in your Financial Condition
Financial Tools & Comparison
Power of Compounding & 1 Crore Plan
Equity (Not Risky in Long Term) & other Asset Classes
Mutual Funds & Systematic Investment Plan (SIP)
Health Insurance, Life Insurance & their Importance
Personal Financial Products Support Package by My Care
Benefits of Financial Products Support by My Care
Process of Financial Products Support by My Care
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THANK YOU
IF YOU ARE BORN POOR, ITS NOT YOUR MISTAKE. BUT, IF YOU DIE POOR, IT'S YOUR
MISTAKE. - BILL GATES
I THINK SOUND INVESTING CAN MAKE YOU VERY WEALTHY IF YOURE NOT IN TOO BIG
OF A HURRY. AND IT NEVER MAKES YOU POOR, WHICH IS BETTER. - WARREN BUFFET
MY CARE