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ACHIEVING YOUR GOALS IN LIFE

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

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  1. ACHIEVING YOUR GOALS IN LIFE

  2. Let us first look at the important goals in our lives

  3. What is the Average Age when a child needs Higher Education? 20 Years

  4. What is the Average Cost of Higher Education Today? Engineer : Rs.10 Lacs Medical : Rs.15 Lacs Foreign Study : Rs.25 Lacs

  5. 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%

  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%

  7. What is the Average Age when a child gets married? 24 Years

  8. What is the Average Expenses of Marriage Today? Rs.10 Lacs

  9. 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.

  10. 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.

  11. What is the Average Retirement Age? 60 Years

  12. What is an Average Monthly Expense of a Middle-class House Hold? Rs.10,000/- p.m.

  13. 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%

  14. 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%

  15. 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

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

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

  18. Creating Wealth How much can a person save on a regular basis? Rs.5,000/- p.m.

  19. 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%

  20. 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.

  21. The Truth We Need to Create Wealth Creating Wealth is Easy We can all Become Wealthy

  22. 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

  23. 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.

  24. Equity market (represented by BSE Sensex) has outperformed all other investment avenues Selecting Right Asset Class

  25. Average Purchase cost 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

  26. 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 20%

  27. 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.

  28. Past Performance 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.

  29. 16.90% 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

  30. Wisdom “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

  31. Using the Wisdom • 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

  32. Helping you achieve your goals in life … 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.

  33. Helping you achieve your goals in life … 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.

  34. 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.

  35. THANK YOU

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