Presentation on theme: "Kuwait India Extends a Warm Welcome to Keralite Engineers Association (K.E.A.)"— Presentation transcript:
Kuwait India Extends a Warm Welcome to Keralite Engineers Association (K.E.A.)
A Presentation About Kuwait India Intl Exchange Co. KIRAN On-line NIKI Sabhan International Consulting Organisation Building Personal Wealth: Financial Planning & Strategy October 4, 2011
Kuwait India Pre-eminent India-focused Exchange Co. Established 1979 Managed by top executives of SBI, since inception Strong ties with State Bank Group Wide bouquet of products/services: paper, electronic Retail, Corporate, Trade Business -- Global Millions & Millions of customers served It takes 20 years to build a reputation and five minutes to ruin it. If you think about that, youll do things differently.
Kuwait India Compelling Value-Proposition Customer Focusedness Cost Competitiveness Superior Technology-based Products/Services Efficacious Corporate Delivery Systems Excellence in Feedback, Follow-up and After Sales Strong Management Skills – expertise, traditions of SBI Networking abilities with SBI and other Correspondent Banks Looked up to by NRIs for guidance in remittance/savings/investment needs Customers Trust - - Kuwait Indias Pre-eminence
Kuwait IndiaA Feedback Kuwait India has really embraced its customers in the true sense of the word and has provided a level of service which is quite unparalleled…this is evident in the way the team takes all the customers thru the paces, putting them at ease, speaking their language and providing the necessary money transfer service in an utterly transparent and super efficient manner. This is in addition to solving their personal problems, giving advice, helping with contacts in India etc. etc. The customer service culture is so deep rooted that no customer would ever want to leave the Company
Kuwait IndiaA Feedback ever want to leave the Company. Mr. Kanna, further adds: The top management of Kuwait India, together with their team (silent, dedicated, efficacious, behind the scenes players) have, over the years, converted most customers to apostles i.e. those who, on their own volition after having experienced the acme of service levels, promote the Company and bring in more and more customers. He says….this is the single-most outstanding achievement of this fine organization.
Kuwait IndiaKIRAN Online Remittances from the comfort of your home/office; even from India and anywhere else in the world; its a childs play! A brief presentation
N I K I Personal Accident Policy Cover: KD 1000-1300 Annual Premium: KD 1.200 ( a mere 100 fils a month!) Residents of Kuwait – All Nationalities Cover – Across the globe From New India Assurance Co. Eligibility: Age 18 to 65; Customer of Kuwait India Better Safe Than Sorry…For Your Dear Ones
Sabhan Intl Consulting Helping You Grow Your Wealth Provides services in the area of: Marketing Consultancy Project Management Economic Consultancy Organising Fairs For guidance/facilitation in: Stock Market Investments Mutual Funds Insurance Products Tax-Related Matters
Building Personal Wealth: Financial Planning & Strategy R.Kuppanna, General Manager Kuwait India International Exchange Co. October 4, 2011
Trader or Investor? http://www.motilaloswal.com:1234/MoslWeb/Campaigns/FacebookProfiler/frmFa ceProfilerRegistration.aspx?SRC=profiler~Emailer~motilalOswal~29sept11http://www.motilaloswal.com:1234/MoslWeb/Campaigns/FacebookProfiler/frmFa ceProfilerRegistration.aspx?SRC=profiler~Emailer~motilalOswal~29sept11~
Save, Invest & Grow Wealth How does one save, protect savings, plan finances, invest, and build wealth? Principles & Framework ? Process : long term, systematic, patient, disciplined Short Term thinking is the Enemy of long term Success
The Power of Compounding A sum of Rs. 100 invested would add up to: CAGR (%)/ YEARS 8 10 10 15 15 20 20 10 216 259 405 619 15 317 418 814 1541 20 466 673 1637 3834 Compounding, says Einstein, is the eighth wonder of the world
Investment Concerns/Needs Safety Volatility Inflation Liquidity Growth Financial Goals Wealth Building & Preservation Comfortable Life: Post-Retirement What the wise men do in the beginning, fools do in the end.
Investment Options NSO/PO: Deposits, NSCs, PPF Banks: Savings, Recurring, Fixed Deposits Company: Deposits, Debentures Mutual Funds: Cap-Specific; Sector-Specific; Balanced; Hybrid; Liquid; Money-Market Equity: Traded Stocks; ETFs; Futures & Options Precious Metals Real Estate Exotica If you cannot find an attractive idea, put your money in the bank a/c till you get one.
Qualitative Aspects Manage Greed & Fear Avoid emotional attachment Avoid actions based on hearsay/rumours/sentiments Avoid over-leveraging Dont try to time the market "Individuals who cannot master their emotions are ill-suited to profit from the investment process." - Benjamin Graham
Mutual Funds Suitable for those who: --dont have wherewithal for research --have limited resources --have little time and --still would like to benefit from equities When you combine ignorance and borrowed money, the consequences can be disastrous.
Mutual Funds Not an alternative investment option to stocks/bonds Pools monies of several investors and invests in stocks/bonds/other securities Owner of a mutual fund gets a proportional share of funds gains/losses/income/expenses Derives the benefits of professional management, diversification, liquidity, affordability, convenience, flexibility, variety "Proper accounting is like engineering. You need a margin of safety. Thank God we don't design bridges and airplanes the way we do accounting." - Charlie Munger
Mutual Funds Types of Funds: > Open-Ended (can enter/exit fund) > Close-Ended (exit after scheme period) > Interval-Fund (entry/exit at periodical intervals (quarterly/half-yearly etc.) An investment in knowledge always pays the best interest... Benjamin Franklin
Mutual Funds OBJECTIVEINVESTMENTS Equity (Growth)Stocks/Shares Debt (income)Fixed Income Securities Money MarketShort-term Liquid Instruments BalancedPartly Stocks/Partly Fixed Income Wealth ProtectionGold/Gold-Related Making money on free advice, is like winning a lottery without a ticket
Exchange Traded Funds (ETFs) What? –Investment Schemes whose units are listed on stock exchanges: after listing, traded like equity stocks ETFs have some underlying security or group of securities (like an index), commodities (like gold or oil) Underlying securities determine the value of ETFs
Gold ETFs Has gold as the underlying security Advantages: owning gold without the hassles of physically holding themavoiding expenses, bank vault charges, insurance etc. No concerns of qualitygold backing from LMBA and stored in vaults; fund house takes care of all risks of storage and safety; minimal expense ratio Buying/Selling : Very Easy
LICs Gold Plus Investments in Gold ETFs/Gold Spot Investment Currency: US $ Comes with Life Insurance Cover (min. $2000) Term: 5-35 years Lock-In: 2 years No exit charges after 4 years Upfront (allocation) charges: 6-7% Nominal annual charges Only buy something that youd be perfectly happy to hold if the market shut down for 10 years. – Warren Buffett
LICs Jeevan Astha - 2 From LIC International Single-Premium, Close-End $ Product Guaranteed Returns: 5%, 5.5%, 5.75% for 3, 5, & 10 year maturity Loyalty Additions Unlimited Top-Up Amount Age on Maturity: 18 to 70 Years Minimum Plan: $ 2584.91