achieving your goals in life. let us first look at the important goals in our lives

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ACHIEVING YOUR GOALS IN LIFE

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Page 1: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

ACHIEVING

YOUR

GOALS

IN LIFE

Page 2: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

Let us first look at the important goals in our lives

Page 3: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

20 Years

What is the Average Age when a child needs Higher Education?

Page 4: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

What is the Average Cost ofHigher Education Today?

Engineer : Rs.10 LacsMedical : Rs.15 LacsForeign Study : Rs.25 Lacs

Page 5: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

Assuming Current Age is 3 years: (17 yrs remaining)Engineer : Rs.27 LacsMedical : Rs.41 LacsForeign Study : Rs.67 Lacs

How much would the Higher Education cost you at the maturity?

Assuming inflation @ 6%

Page 6: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

Assuming Current Age is 3 years: (17 yrs remaining)Engineer : Rs.27 LacsMedical : Rs.41 LacsForeign Study : Rs.67 Lacs

Are you on the right path to providegood education for your child?

Assuming inflation @ 6%

Page 7: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

24 Years

What is the Average Age when a child gets married?

Page 8: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

What is the Average Expenses ofMarriage Today?

Rs.10 Lacs

Page 9: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

How much would your child’s Marriagecost you at maturity?

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

Rs.34 Lacs

Page 10: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

Rs.34 Lacs

Are you on the right path to arrangea decent marriage for your child?

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

Page 11: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

What is the Average Retirement Age?

60 Years

Page 12: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

Rs.10,000/- p.m.

What is an Average Monthly Expense of a Middle-class House Hold?

Page 13: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

How much Retirement Kitty would you need at 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%

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

Page 14: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

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%

Page 15: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

Brief Look at Our Life Goals

Assuming: Current AgeSelf : 28 yrs Child: 3 yrs

Child Education : 20 yrsEngineer : Rs.27 LacsMedical : Rs.41 LacsForeign Study : Rs.67 Lacs

Child Marriage : 24 yrsMarriage : Rs.34 Lacs

Retirement: : 60 yrs (Self)Retirement Kitty : Rs.2.20 Crores

Page 16: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

Are we on Track to Achieve the Critical Life Goals in our Lives?

Page 17: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

Creating wealth successfully in Over time can help us fulfill all our goals!!

Page 18: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

Rs.5,000/- p.m.

How much can a personsave on a regular basis?

Creating Wealth

Page 19: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

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

Creating Wealth

Page 20: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

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.

Page 21: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

The Truth

Creating Wealth is Easy

We can all Become Wealthy

We Need to Create Wealth

Page 22: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

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

Page 23: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

2.47 Crores*

19.55 Crores*

40 years25 years 60 years

  Ram Shyam

Investment Starting Age 25 40

Investment - Monthly SIP Rs.5,000/- Rs.10,000/-

Saving Years till age 60 35 years 20 years

Total Investment Made Rs.21 lacs Rs.24 lacs

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.

Page 24: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

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

Selecting Right Asset Class

Page 25: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

Twin Benefits of Investing Regularly

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

Rupee Cost AveragingAverage Purchase cost

will be less

Automatic TimingAt higher prices - less unitsAt lower prices – more units

Rising Market Falling Market

Market Units Purchased MarketUnits Purchased

Save Regularly

Page 26: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

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

Creating Wealth

Page 27: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

At Age 60 his wealth can be

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.

Page 28: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

In past 32 years BSE Sensex has given approx. 18% returns

Past Performance

Year Sensex Investment Rs.

1979 100 1 Lacs

This is in spite of …

• Two wars• At least three major financial scandals• Assassination of 2 prime ministers

• At least 3 recessionary periods• 10 different governments and• An unfair share of natural disasters

2011 19445.22 1.93 Crores

*As on 31th March, 2011

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.

Page 29: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

Investing in the BSE Sensex – 28 years

Market timing does not matter over the long term

16.02%

Fixed investment on 1st day of every month

16.90%15.07%

Fixed investment athighest sensex value

every year

Fixed investment atlowest sensex value

every year

Data source: ICRA MFIE

Give Time rather than Timing the Equity market

Page 30: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

Wisdom

• The Right way to create wealth …

Buying potential big winning stocksSuccessfully timing the marketsFollowing Expert Advisors recommendationsSaving a lot of money

• Wealth can be successfully created if we follow the three principles ...

Starting early and saving for longInvesting in the right asset classInvesting Regularly – big or small

“We do not need to be wealthy to be an investor …But we can be wealthy if we are investors”

Page 31: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

Using the Wisdom

• We all have goals and objectives in life to achieve like …Child EducationChild MarriagePurchase of House, CarRetirement, etc

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

Disciplined Savings

Sufficient Time

Right Asset Class

Goal Achievement

Page 32: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

Child Education - Saving years: 17 yrs

Helping you achieve your goals in life …

Education Target GAP Amt.

Engineer Rs.27 Lacs Rs.2,000

Medical Rs.41 Lacs Rs.3,000

Foreign Study` Rs.67 Lacs Rs.5,000

Child Marriage - Saving years: 21 yrs

Target : Rs.34 LacsGAP Amount : Rs.1,500

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

Amount Actually paid: 3.78 Lacs

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

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

Page 33: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

Retirement - Saving years: 32 yrs

Target : Rs.2.20 CroresGAP Amount : Rs.1,000

Helping you achieve your goals in life …

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

Amount Actually paid: 3.84 Lacs

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

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

Page 34: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

Disclaimer: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.

Page 35: ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives

THANK YOU