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

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Presentation on theme: "ACHIEVING YOUR GOALS IN LIFE. Let us first look at the important goals in our lives."— Presentation transcript:

1 ACHIEVING YOUR GOALS IN LIFE

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

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

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

5 Assuming Current Age is 3 years: (17 yrs remaining) Engineer:Rs.27 Lacs Medical:Rs.41 Lacs Foreign Study:Rs.67 Lacs How much would the Higher Education cost you at the maturity? Assuming 6%

6 Assuming Current Age is 3 years: (17 yrs remaining) Engineer:Rs.27 Lacs Medical:Rs.41 Lacs Foreign Study:Rs.67 Lacs Are you on the right path to provide good education for your child? Assuming 6%

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

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

9 How much would your childs Marriage cost you at maturity? Assuming 6%. Current Age is 3 yrs & Marriage Age is 24 yrs. Rs.34 Lacs

10 Are you on the right path to arrange a decent marriage for your child? Assuming 6%. Current Age is 3 yrs & Marriage Age is 24 yrs.

11 What is the Average Retirement Age? 60 Years

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

13 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 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…

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 6%. Returns on Retirement Kitty – 6%

15 Brief Look at Our Life Goals Assuming: Current Age Self : 28 yrsChild: 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 Rs.5,000/- p.m. How much can a person save on a regular basis? Creating Wealth

19 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% Creating Wealth

20 At Age 60 his wealth would have been Rs.84 Lacs Amount Invested: Rs Lacs. Times amount gets rolled over: Note: The above figures are for illustrative purpose only. There is no guarantee that the projection given would materialize.

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

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 2.47 Crores* Crores* 40 years 25 years60 years RamShyam Investment Starting Age2540 Investment - Monthly SIPRs.5,000/-Rs.10,000/- Saving Years till age 6035 years20 years Total Investment MadeRs.21 lacsRs.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.

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

25 Twin Benefits of Investing Regularly Disciplined Investing through Systematic Investment Plans (SIPs) is the ideal way to reduce risk Rupee Cost Averaging Average Purchase cost will be less Automatic Timing At higher prices - less units At lower prices – more units Rising Market Falling Market MarketUnits PurchasedMarketUnits Purchased Save Regularly

26 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% Creating Wealth

27 At Age 60 his wealth can be Rs Crores Amount Invested: Rs Lacs. Times amount gets rolled over: Note: The above figures are for illustrative purpose only. There is no guarantee that the projection given would materialize.

28 In past 32 years BSE Sensex has given approx. 18% returns Past Performance YearSensexInvestment Rs 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 Crores *As on 31 th 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.

29 Investing in the BSE Sensex – 28 years Market timing does not matter over the long term 16.02% Fixed investment on 1 st day of every month 16.90% 15.07% Fixed investment at highest sensex value every year Fixed investment at lowest sensex value every year Data source: ICRA MFIE Give Time rather than Timing the Equity market

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

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 Sufficient Time Right Asset Class Goal Achievement

32 Child Education - Saving years: 17 yrs Helping you achieve your goals in life … EducationTargetGAP Amt. EngineerRs.27 LacsRs.2,000 MedicalRs.41 LacsRs.3,000 Foreign Study`Rs.67 LacsRs.5,000 Child Marriage - Saving years: 21 yrs Target: Rs.34 Lacs GAP 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.

33 Retirement - Saving years: 32 yrs Target: Rs.2.20 Crores GAP 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.

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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