Investment Options & The Best One By- Suyog ( CSS, Cash)

Human Life Cycle Cycle I Cycle II Cycle III Education Earning Years 25 yrs 40 yrs 10- 20 yrs Education Earning Years Post Retirement Years Age- 25 yrs Age- 60 yrs

Cycle II: The Most Crucial Phase Meet current recurring expenses Rent, Electricity, Telephone Child’s education, Child’s marriage Annual Holiday with family…. Build capital assets House; Car…. Make provisions for Retirement ; Contingencies- Illness, Accidents, etc. Do you save and invest so that your dreams turn into reality

Investment??? Money we earn is partly spent and rest saved for meeting future expenses Instead if keeping the saving idle we like to use saving in order to get return on it in the future…. Saving =Investment

Return?? Interest Capital Appreciation When we borrow money we are expected to pay for using it… Amount charged to borrower for using lender’s money… Bonus shares, etc…

Dreams & Future???? Go for Investment………

Investment Options.. Physical Assets Gold Real Asset Commodities

Investment Options.. Financial Assets Post Office Schemes ,PF, Pension Fund Insurance Fixed Deposits with Banks Shares, Bonds, Etc.. Mutual Funds

Which Investment Option should I take ???? Having Understood how Important is financial Planning Now The Big Question ?? Real Estate Stocks Gold Bonds Bank Deposits Which Investment Option should I take ????

All of them in just one Investment Vehicle OR All of them in just one Investment Vehicle Mutual Funds

Mutual Funds…. A Mutual Fund is a pool of the savings of a number of investors who share a common financial goal. The money thus collected is then invested in capital & money market instruments such as shares, debentures, securities, Treasury Bills etc… The income earned through these investments and the capital appreciation realized are shared by its unit holders in proportion to the number of units owned by them. Thus a Mutual Fund is the most suitable investment for the common man as it offers an opportunity to invest in a diversified, professionally managed basket of securities at a relatively low cost.

Mutual Fund Cycle

Types of Schemes PERFECT COMBINATION OF RISK & RETURN By Structure Open Ended Schemes Close Ended Schemes Interval Schemes By Investment Objective Growth Schemes Income Schemes Balance Schemes Money Market Schemes Tax Schemes Tax Saving Schemes Special Schemes Index Schemes Sector Specific Schemes PERFECT COMBINATION OF RISK & RETURN

MF Industry in India and some facts 100 % growth in the last 6 years. In the period still it is maintaining stability Number of foreign AMC’s are in the que to enter the Indian Markets Our saving rate is 23% highest in the world We have less number of MF in comparisition to US, they are having 800 MF companies so there is big scope for expansion B and C class cities are growing rapidly today most of the MF concentrating on only A class cities. MF can achieve the success like Insurance in rural sector if they bring simple and limited scheme for them. Emphasis on better Corporate Governance Introduction of Financial Planner who can provide need based advice.

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