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MUTUAL FUND OPERATION FLOW CHART INVSTOERS FUND MANEGER SECUTITIES RETURN TIKAMCHAND FINANCIAL SERVICES www.tikamstock.com

Advantage of mutual fund Flexibility Professtional management Choice of scheme Diversification Tax benefits Convenient Administration Return potential Well regulated Liquidity Transparenecy TIKAMCHAND FINANCIAL SERVICES www.tikamstock.com

Client Value , Attitudes , Expectation , and Time horizons, they affect the client goal , need , and priorities. TIKAMCHAND FINANCIAL SERVICES www.tikamstock.com

Goal and Objective provide focus , purpose, vision , and Direction for the financial planning process TIKAMCHAND FINANCIAL SERVICES www.tikamstock.com

THE ECONOMIC CLOCK TIKAMCHAND FINANCIAL SERVICES www.tikamstock.com TOP OF THE BOOM Rising interest rate Falling share prices Falling commodities price Falling overseas reserves Tighter money Falling real estate value DEPTH OF THE RECESSION Falling interest rate Rising commodity price Rising overseas reserves Ealser money Rising real estate value. THE ECONOMIC CLOCK TIKAMCHAND FINANCIAL SERVICES www.tikamstock.com

All big losses start by being a small loss, If you get out a trade near small loss you will be automatically protected from incurring big losses , strictly following STOP LOSS is a lightly successful risk management technique in day trading TIKAMCHAND FINANCIAL SERVICES www.tikamstock.com

LONG TERM FIXED DEPOSITS(3-10) MEDIUM 5% -9% RESIDENTIAL PROPERTY INVESTMENT RISK RETURNS CASH IN BANK VERY LOW 0% -3% TERM DEPOSITS(1-3YEAR) LOW 3% -5% LONG TERM FIXED DEPOSITS(3-10) MEDIUM 5% -9% RESIDENTIAL PROPERTY 9% -11% COMMERCIAL PROPERTY MEDIUM-HIGH 11% -13% EQUITIES HIGH 13%18% INTERNATIONAL SHARES 13% -20% TIKAMCHAND FINANCIAL SERVICES www.tikamstock.com

Lower return lower risk Growth Higher return Higher risk SHARES PROPERTY FIXED DEPOSITES CASH Defensive Lower return lower risk TIKAMCHAND FINANCIAL SERVICES www.tikamstock.com

PROCESSES OF INVESTING Selection : What to Buy or Sell Implementation: How to Buy or Sell Timing : When to Buy or Sell TIKAMCHAND FINANCIAL SERVICES www.tikamstock.com

Life Events: Will You Be Ready? • Premature Death Retirement Serious Illness Death of Spouse Aged Parents Children Getting Married Second Home Remarriage Starting a Business Paying for College Divorce Job Loss Relocation Home Purchase Birth of Children Marriage Temporary Disability TIKAMCHAND FINANCIAL SERVICES www.tikamstock.com

The Value of a Financial Plan A financial plan will help you to clarify: Your financial goals Strategies to achieve the goals Specific steps to implement the strategies TIKAMCHAND FINANCIAL SERVICES www.tikamstock.com

Life’s Financial Trade-Offs CURRENT NECESSITIES FUTURE NECESSITIES CURRENT EXTRAS FUTURE EXTRAS Basic shelter, food clothing, transportation and medical care clothing, cash for emergencies and nursing home care L arger home, private college, retirement travel, bequests/charity New kitchen, new car, vacation, family gifts Trade - offs TIKAMCHAND FINANCIAL SERVICES www.tikamstock.com

Areas to Explore Saving Managing debt Insurance Investing Education funding Retirement funding Pre-retirement planning Incapacitation planning Estate planning Company stock ownership TIKAMCHAND FINANCIAL SERVICES www.tikamstock.com

BASICS OF STOCK MARKET What is an Equity Share ? What is the Debt Instrument ? What is the Derivatives ? What is a Mutual Fund ? What is an Index ? What is an Depository ? What is Dematerialization ? Which are the depositories in India ? What is the role of ‘Primary Market’ ? What is an Initial Public Offer (IPO) ? What is meant by Secondary Market ? What is the role of Secondary Market ? What is the difference between Primary Market and Secondary Market ? TIKAMCHAND FINANCIAL SERVICES www.tikamstock.com

THE IMPORTANCE OF TRADING DISCIPLINE A Disciplined person is likely to be disciplined in all his daily activities, both personal and professional. A Disciplined person has a plan for everything he wants to do. He follows that plan in a systematic manner to achieve his desired objects and goals. A Disciplined person is very punctual. He values his time as well as others. He puts first things first and he perform his activities in order of its importance. He never wastes times and never postpones important works for silly and trival matters. A Disciplined person is positive about what ever does in life and keeps negativity away. When he fails, he looks at it as a stepping stone to success and learn from his mistakes instead of blaming circumstances or others for failures. A Disciplined person is confident and undertakes his with work with the assurance of success and is able to deal with the inevitable tough times that come across in his journey towards success and is thus able to keep himself mentally and emotionally stable. A Disciplined person will have patience to wait for result after working hard on any endeavor. A Disciplined person will never have un-realistic expectations or greed. TIKAMCHAND FINANCIAL SERVICES www.tikamstock.com

You should educate yourself on the correct psychological approach to the market You should educate yourself in the correct money management and risk management technique. You should educate yourself in the correct entry and exit methods in the your stock selection technique. TIKAMCHAND FINANCIAL SERVICES www.tikamstock.com

It is the art of correctly applying a set of carefully though out rules and allocating the probability of that event to result in success. TIKAMCHAND FINANCIAL SERVICES www.tikamstock.com

However, Stocks Have More Volatility Risk Lower Deviation Higher Deviation Degree of Volatility Return Lower Annual 5% 10% 15% 20% Cash Intermediate-Term Government Bonds Large Company Stocks Small Company Stocks TIKAMCHAND FINANCIAL SERVICES www.tikamstock.com

FREE DEMAT & BROKING ACCOUNT* +Free Rs. 5,00,000/- Personal Accident Insurance* +Free Rs.50,000/- Accidental Mediclaim TIKAMCHAND FINANCIAL SERVICES www.tikamstock.com

Life Events: Will You Be Ready? TIKAMCHAND FINANCIAL SERVICES www.tikamstock.com