DSPML Systematic Investment Plan (SIP)

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S imple Min Investment of only Rs.2000 I ntelligent Benefit from the Power of Compounding P ractical With Auto Debit Facility. DSPML Systematic Investment Plan (SIP). - PowerPoint PPT Presentation

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  • SimpleMin Investment of only Rs.2000

    IntelligentBenefit from the Power of Compounding

    PracticalWith Auto Debit FacilityDSPML Systematic Investment Plan (SIP)

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  • Did you know ?If your current monthly expenses are Rs. 30,000/- p.m, after 20 years you will require Rs. 80,000/- p.m to maintain the same lifestyleAssuming inflation rate of 5%

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  • Did you know ?An education degree for your child which currently costs Rs. 10 lakh will cost Rs. 21 lakh after 15 years.Assuming inflation rate of 5%

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  • Individual Investor Needs: Investment GoalsAll individuals need to save for RetirementChilds education / marriageMedical emergencyOther family obligations

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  • Individual Investor: Life Stages

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  • Value of Money over timeImpact of inflation on monthly expenses of Rs. 30,000 todayValue of Rs. 100,000 over timeAt inflation of 5%

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  • Performance of Various Asset ClassesSource: InternalCumulative annualised returns 1980-2004

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  • Individual investors are scared of ..The Downside in EquitiesThe of Market TimingThe of Market VolatilityRiskRiskRisk

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  • What else makes a material impact on investments in equity ?

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  • Investing in the BSE Sensex 25 yearsData source: ICRA MFIEReturns are from 1981- Dec 2005

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  • The Power of CompoundingFrom Jan 1, 1984 to Dec 31, 2004 a 21 year period

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  • Summary

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  • How Do You Achieve Your Financial GoalsRetirementChilds education - internationalFamily commitments - medical emergency, etc

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  • 30,00083,579Monthly Household ExpensesRetirement Planning

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  • Childs EducationEducational Degree20,00,00034,20,000

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  • Childs Marriage20,00,00043,70,000

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  • So What Are The Benefits Of Investing Through A Systematic Investment Plan !

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  • Benefit : 1The Benefit of Long Term Equity InvestmentEquities give superior returns among all asset classes over the long termDSP Merrill Lynch Mutual Fund has a track record of consistent good performance relative to its peers

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  • Benefit : 2The Benefits of Systematic Monthly Investment Takes out the risk of market timingAdds the benefits of the power of compounding and rupee cost averaging

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  • Benefit : 3FlexibilityYou can choose from a wide array of schemesYou can decide to keep invested amounts in an earlier scheme & invest future SIP instalments into a new scheme

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  • Benefit : 4Added ConvenienceAuto debit facility across over 25 locations in IndiaRegular account statementsRedemption request directly credited into your bank account

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  • Make your investment goals a realityStart a S.I.P. today !

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  • Track RecordSource: ICRA MFIE, Internal, Bm Benchmark. All returns shown above are for the growth option and do not take into account Entry Load, hence the actual returns will be lower . In case of DSPML Equity Fund returns assume the reinvestment of dividend at net asset value of the ex-dividend date. As per SEBI standards of performance reporting, the "since inception" returns are calculated on Rs. 10/- invested at inception date. The inception dates are as follows:- DSPML Balanced Fund - 27-May-99, DSPML Equity Fund - 29-Apr-97,DSPML Top 100 Equity Fund - 10-Mar-03, DSPML Opportunities Fund - 16-May-00, DSPML India TIGER Fund - 11-Jun-04. As on May 31, 2007 the NAVs of the schemes were as follows:- DSPML Balanced Fund - Rs 42.506, DSPML Equity Fund - Rs 44.229, DSPML Top 100 Equity Fund Rs 63.884, DSPML Opportunities Fund - Rs 59.28, DSPML India TIGER Fund Rs 36.684. Past performance may or may not be sustained in the future and should not be used as a basis for comparison with other investmentsReturns are as on May 31, 2007

    Scheme Name1-year3-years5-yearsSince InceptionF %Bm %F %Bm %F %Bm %F %Bm %DSPML Equity Fund42.8639.8858.1942.5352.1133.0728.9314.90DSPML Opportunities Fund34.3639.8849.8442.5350.6133.0728.7418.41DSPML Top 100 Equity Fund45.3638.6950.1343.54----------55.0745.13DSPML India TIGER Fund45.0038.69--------------------54.9143.13DSPML Balanced Fund 33.0425.2935.5725.3335.3521.8319.78NA

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  • SIP PerformanceSource: Internal, BloombergAssuming monthly investments of Rs. 2,000. While comparing performance of investments made through SIPs with the respective benchmarks of the scheme, the value of the index on the days when the investment is made is assumed to be the price of one unit. As on May 31, 2007 the NAVs of the schemes were as follows:- DSPML Equity Fund - Rs 44.229 , DSPML Opportunities Fund - Rs 59.28. The compounded annualized returns calculated above do not take into account entry load if applicable, hence the actual returns will be lower than those shown above. DSPML Equity Fund: returns assume reinvestment of dividend at net asset value of the ex-dividend date. S&P CNX Nifty Index as on May 31, 2007 was 4295.80. Past performance may or may not be sustained in the future and should not be used as a basis for comparison with other investmentsPeriodInvestment(Rs)Value (Rs)CAGR (%)Value (Rs)CAGR (%)1 year24,00028,43536.18%28,60337.62%3 year72,000132,00143.71%124,18438.90%5 year120,000404,60450.93%295,60937.06%Inception168,000774,60743.41%471,90229.08%1 year24,00030.39653.18%28,60337.62%3 year72,000145,51951.61%124,18438.90%5 year120,000442,69155.02%295,60937.06%Inception242,0001,433,24333.58%759,91321.48%S&P CNX Nifty IndexS&P CNX Nifty IndexOpportunities FundEquity Fund

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  • SIP PerformanceSource: Internal, BloombergAssuming monthly investments of Rs. 2,000. While comparing performance of investments made through SIP's with the respective benchmarks of the scheme, the value of the index on the days when the investment is made is assumed to be the price of one unit. As on May 31, 2007 the NAVs of the schemes were as follows:- DSPML Top 100 Equity Fund - Rs 63.884, DSPML India TIGER Fund - Rs 36.684. The compounded annualized returns calculated above do not take into account entry load if applicable, hence the actual returns will be lower than those shown above. BSE 100 Index as on May 31, 2007 was 7468.70. Past performance may or may not be sustained in the future and should not be used as a basis for comparison with other investments

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  • SIP PerformanceSource: InternalAssuming monthly investments of Rs. 2,000. All returns shown above are for the growth option and do not take into account Entry Load, hence the actual returns will be lower. While comparing performance of investments made through SIP's with the respective benchmarks of the scheme, the value of the index on the days when the investment is made is assumed to be the price of one unit. As on May 31, 2007 the NAV of the DSPML Balanced Fund was Rs 42.506, CRISIL Balanced Fund Index 2577.86. Past performance may or may not be sustained in the future and should not be used as a basis for comparison with other investments

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  • Thank YouA Rupee Saved Is A Rupee Earned- A Long Journey Begins With A Small Step

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  • DSPML Balanced Fund (DSPMLBalF) is an open-ended balanced scheme seeking to generate long-term capital appreciation and current income from a portfolio constituted of equity and equity related securities as well as debt & money market securities. Asset Allocation: Equity & equity related securities: approx. 60% (min 30%). Debt & money market securities: approx. 40% (min 30%). DSPML Equity Fund (DSPMLEF) is an open-ended growth scheme seeking to generate long-term capital appreciation, from a portfolio, which is substantially constituted of equity and equity related securities of issuers domiciled in India. The scheme may also invest a certain portion of its corpus in debt and money market securities, in order to meet liquidity requirements from time to time. Asset Allocation: Equity & equity related securities: approx. up to 90%. Debt & money market securities: approx. up to 10%. DSPML Opportunities Fund (DSPMLOF) is an open-ended growth scheme with a primary objective to generate long-term capital appreciation, and a secondary objective of income generation and distribution of dividend, from a portfolio constituted of equity and equity-related securities, concentrating on the investment focus of the scheme. Asset Allocation: Equity and equity related securities: 80-100%. Debt, securitised debt & money market securities: 0-20%. DSPML Top 100 Equity Fund is an open ended growth scheme seeking to generate capital appreciation, from a portfolio that is substantially constituted of equity and equity related securities of the 100 largest corporations by market capitalisation, listed in India. The scheme may also invest a certain portion of its corpus in debt and money market securities in order to meet liquidity requirements from time to time. Asset Allocation: Equity & equity related securities: 90-100%, Debt, securitised debt & money market securities: 0-10%. DSPML India T.I.G.E.R Fund (The Infrastructure Growth and Economic Reforms Fund) (DSPMLITF) is an open ended growth scheme whose primary investment objective is to seek to generate capital appreciation, from a portfolio that is substantially constituted of equity securities of corporations that could benefit from structural changes brought about by continuing liberalisation in economic policies by the government and/or from continuing investments in infrastructure, both by the public and private sector. Asset Allocation: Equity & equity related securities: 90-100%. Debt, securitised debt & money market securities 0%-10%. ADR, GDR & foreign securities: 0-25%. DSPMLEF, DSPMLTEF, DSPMLOF, DSPMLITF & DSPMLBalF Common Features: Min. investment Rs. 5,000/- and min. additional purchase of Rs 1000/- thereafter. Declaration of NAV on all Business Days. Redemption normally within 3 Business Days. No exit load. Sale and redemption of units on all Business Days at Purchase Price and Redemption Price. SIP, SWP, STP, Nomination facility and direct deposit application facility available. For load structure of SIP and SSIP please refer to the Standard Offer Document and / or the Key Information Memorandum cum Application Form. Scheme Specific Features: Growth and Dividend options available in all schemes except DSPMLEF where investors have the Pay Dividend and Reinvestment of Dividend options. No entry load for DSPMLBalF. For all other schemes entry load of 2.25% for investments < Rs. 5 crore. DSPMLBalF has a CDSC of 1.25% for investments redeemed within 12 months. For Entry / Exit Load applicable for investments done through SIP/SSIP in the respective schemes, please refer to the Standard Offer Document and / or the Key Information Memorandum cum Application Form. Statutory Details: DSP Merrill Lynch Mutual Fund (the Fund) was set up as a Trust by the settlors, DSP Merrill Lynch Ltd. and Merrill Lynch Investment Managers LP, USA. The Sponsor, Trustee and Investment Manager to the Fund are DSP Merrill Lynch Ltd., DSP Merrill Lynch Trustee Company Pvt. Ltd. and DSP Merrill Lynch Fund Managers Ltd. respectively. The Sponsor is not responsible or liable for any loss resulting from the operation of the Scheme beyond the initial contribution of Rs. 1 lakh towards setting up the Fund and such other accretions/additions to same. Risk Factors: Mutual funds, like securities investments, are subject to market and other risks and there can be no assurance that the Schemes objectives will be achieved. As with any investment in securities, the NAV of Units issued under the Schemes can go up or down depending on the factors and forces affecting capital markets. The NAV of the Schemes Units may be affected by changes in the general level of interest rates. The past performance of the mutual funds managed by the Sponsors and their affiliates/associates is not necessarily indicative of the future performance of the Schemes. Investors in the Schemes are not being offered a guaranteed or assured rate of return The liquidity of the Schemes investments may be restricted by trading volumes, settlement periods and transfer procedures. In the event of an inordinately large number of redemption requests or of a restructuring of either of the Schemes portfolios, the time taken by the Fund for redemption of Units may become significant. Please see Risk Factors and Special Considerations and Right to Limit Redemptions in the Standard Offer Document. The liquidity & valuation of the Schemes investments due to its holdings of unlisted securities may be affected if they have to be sold prior to their target date of divestment. In the event that investible funds of more than 50% of the total proceeds of the equity schemes are not invested in equity shares of domestic companies, the tax concessions on income distribution will not be available to the Unit Holders. The scheme may enter into derivatives transactions, which are subject to embedded risks. As per SEBI circular each scheme and individual plan(s) under the schemes should have a minimum of 20 investors and no single investor should account for more than 25% of the corpus of such scheme/plan(s). In case of non-fulfilment with either of the above two conditions on an ongoing basis for each calendar quarter, the respective schemes/plans shall be wound up by following the guidelines prescribed by SEBI and the investors money would be redeemed at applicable NAV. DSPMLITF will focus on companies which will benefit from structural changes brought about by continuing liberalisation in economic policies by the government and/or from continuing investments in infrastructure, both by the public and private sector.It is possible that such policies may not fructify or crystallise in a manner commensurate with expectations thereby affecting the prospects of companies held in the portfolio of the Scheme. Since the NAV of the scheme is linked to the share price performance of such companies, they may outperform or under perform the benchmark index (BSE 100) and/or the constituents of the said benchmark index. Since DSPMLOFs investment focus is on select sectors of the market the portfolio will be concentrated in select companies across these sectors. This may make the portfolios vulnerable to factors that may affect these sectors in general thereby leading to increased volatility in the movement of the schemes NAV. The NAV of DSPMLTEF is linked to the share price performance of the top 100 listed companies, which may outperform or under perform the benchmark index (the BSE 100) and/or its constituents. DSPMLBalF, DSPMLEF, DSPMLTEF, DSPMLOF and DSPMLITF are the names of the Schemes and do not in any manner indicate the quality of the Schemes, their future prospects or returns. For more details, please refer to the Key Information Memorandum cum Application Form, which is available at the ISC/Distributor. Please read the Standard Offer Document before investing.

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