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Most of the new mutual fund investros are faced with the same question.. and they never seem to get enough right answers.
The question on how to earn more looms large on our minds.
The following gives you substantial information to make the right decision and win in the LIFE.
  • 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
Even bulk investments should ideally be avoided for long investment horizons. Break down your investments and invest more regularly is the mantra.
  Monthly Investment(SIP) of Rs. 5000/-
starting december month of
Monthly Invesment of Rs. 60,000/-
Each December month of**
Starting Year 1994 1997 1999 1994 1997 1999
Total INvestement Rs. 605,000 425,000 305,000 605,000 425,000 305,000
Total Instalments No. 121 85 61 10 7 5
CAGR Returns %
Franlin India Blue Chip Fund Gr 30.46 35.60 36.77 20.50 25.87 29.11
Franklin India Prima Chip Fund Gr 34.12 46.11 55.16 32.77 45.28 48.97
SBI Magnum Muliplier Plus 93 14.45 20.30 28.54 9.33 13.69 17.87
Selected schemes taken only for example **Rs. 65,000 in Dec 2003
Investment Mantras: Just remember and practice the following techniques called Invesmtnet Mantras whily you are investing.
Mantra 1: Pay no heed to what the market does in the short term. Have the right mind set and stay put for long term goals.
Mantra 2: Diversify your investments taking into consideration your needs and risk tolerance. Consider small buys along with the big investments.
Mantra 3: plan and check your investement progress, the returns, the number of units in hand at every set goal time. This will hlep you stay on track.
Mantra 4: Know which products you can invest and more importantly the ones that you can't. Choose your invesmtent products and investing horizons wisley considering your profile.
Mantra5: Always have a strong definsive invesetment plan to counter the contingecies. In other words, keep some cash away for emergencies.
Mantra 6: Even Bulk investments... go at a slower pace.
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