• Compunding Power - Use the compounding effect to the max. Get the asset allocation and the time work for you. You need to invest for a sufficient duration in the right asset and in the right proportion of your invetments in totality.

Years	For 25 Years	Asset Class	Product
8.00%	45,74,197	Fixed Income	NSC, other fixed inc.Inst
15.00%	1,37,82,804	Equities	MF Equity Schemes

*On monthly investment of Rs 5000/-
• Early Starter - Have great edge over all others just bystarting to save early ...it is the time that matters not the amount of savings!! Altleast start small when you are not ready for big investments once you gain the confidence you can be a agressive investor...

Details	Mr.Wise	Mr.Rice	Exp. Returns	Investment Value at Retirement Mr.Wise Mr. Rice		Mr. Wise is wealthier
Present Age	20 Years	40 Years
Retirement Age	60 Years	60 Years	8.00%	1.62 Crores	0.57 Crores	2.83 Times
Savings per Month	Rs.5000/-	Rs. 10,000/-	12.00%	4.90 Crores	0.92 Crores	5.32 Times
Saving Years	40 Years	20 Years	15.00%	11.52 Crores	1.33 Crores	8.68 Times

• Invest in Right Assets - Most people have every think right except the most important thing - the right asset class for investing. For long term investing - equities offer the highest returns, even after taking the tax benefits of other avenues into consideration. As seen above even a couple of % returns difference over a long term can make a lot of difference, compounded to your wealth. But one thing is very important - 'Score more or atleast equal runs' as the 'reqd. run rate', i.e inflation.

Comparative	Past Highs	Present	Lock in Period
Sensex	-	15.00*	None
PPF (variable yearly)	12.00%	8.00%	15 Years
NSC (fixed)	13.40%	8.41%	6 Years
Kisan Vikas Patra	13.40%	8.41%	8 Years 7 Months
Bank Deposits	10-12%	4.50-6.00%	1 to 6 Years
Sensex over past 25 years has given about 18.17% Comp. Ann. Returns**
*Expected return over similar long term investing horizons ** From 1979 to December 2004

• Never say No - Many people believe that they are saving the best they can and have nothing more. The fact is if you make small efforts you can still make substantial additions to your savings and networth. There is always an oppurtunity to take a chance... just be more carefull at the markets.

Monthly Expense		Try to Save	Expected Returns	At Retirement
Household	Rs. 5,000/-	Rs. 500/-	8.00%	28.35 lacs
Foodings	Rs. 1,500/-	Rs. 500/-	12.00%	61.62 lacs
Travelling	Rs. 2,000/-	Rs. 500/-	15.00%	1.13 Crores
Entertainment	Rs. 1,500/-	Rs. 500/-	20.00%	3.14 Crores
Total Savings... (monthly investment)		Rs. 2,000/-	Present Age 30 yrs. Retirement 60 yrs

• Invest Systematically - Possibly the best way to invest - especially for small investors, in equity MF schemes is through SIPs. You get the twin benefits of Rupee Cost Averaging and Automatic Timimg, meaning that the average purchase cost of units will be less and you will be purchasing less units at higher prices and more units at higher prices. In short, it is an ideal way to invest. Invest in a normal way whether it's the rising market, faling market or volatile market.

Month	Amt Invested	Rising Market		Falling Market		Volatile Market
	(Rs.)	NAV	Units Alloted	NAV	Units Alloted	NAV	Units Alloted
1	1,000	10	100	10	100	10	100
2	1000	12	83.33	8	125	12	83.33
3	1000	14	71.43	6	166.67	8	125
4	1,000	16	62.5	4	250	10	100
Total	4,000	52	317.6	28	641.67	40	408.33
Average Purcahse NAV		13.00		7.00		10.00
Average Cost Per Unit		12.61		6.23		9.80

• Money Doubler - Check the time taken by your investment to double. it will give you fair amount of idea about how your investments are performing. You can put surplus amounts at regular intervals to double, choosing the assets suited to your needs and risk tolerance. by doing this frequently you would enjoy a healhty cash flow and accumulate wealth over time.

Rate	Time to Double	Asset class
5.00%	14.21 yrs	Bank Deposts, Debt Funds, Etc.
8.00%	9.01 yrs	MF MIPs, NSC, PPF, KVP, etc. real Estate in some cases.
12.00%	6.12 yrs	Conservative exp. return in MF Equity Schemes
15.00%	4.96 yrs	Moderate exp. Return in MF Equity Schemes
20.00%	3.80 yrs	Aggressive expecations from MF equity schemes, Direct Equities