systematic investment plan

Systematic Investment Plan(It’s Never Too Late To Invest)

http://www.kshitijfinancial.com/


Why SIP?• Despite there being patches when the investments go under

water, the case for Systematic Investing is still compelling and remains the best way to participate in the Equity markets.

Features of SIP:

1. Light on the wallet.2. A specific amount is invested for a continuous period at regular

intervals under this plan.3. SIP is similar to a regular saving scheme like a recurring deposit.

It is a method of investing a fixed sum regularly in a mutual fund4. SIP allows the investor to buy units on a given date every month.

The investor decides the amount and also the mutual fund scheme

5. While the investor's investment remains the same, more number of units can be bought in a declining market and less number of units in a rising market

6. The investor automatically participates in the market swings once the option for SIP is made



Benefits of SIP• Saving a small sum of money regularly at an early age

makes money work with greater power of compounding with significant impact on wealth accumulation.

• SIP helps in averaging cost of acquiring units

• It is very convenient. SIP can be operated by simply providing post dated cheques with the completed enrolment form or give ECS instructions. The cheques can be banked on the specified dates and the units credited into the investor's account.

• It helps in creating wealth over a longer time period.

• It makes investor disciplined in their savings.



Example: Reliance Growth Fund

• Inception: 8-Oct-1995• Amt of SIP: Rs.1000 Per Month• Total Months : 236 (Till 6-Jun-15)• Total Investment Value: Rs.236000• Value of Investment: Rs.48,94,572.00• Annualised Returns: 26.14 %• Annualised Returns of Index: 13.26 %



Portfolio

Scheme Category Amt Rs.

Franklin India Bluechip Fund Equity – Large Cap 1000

HDFC Mid-Cap Opp Fund Equity – Mid & Small Cap 1000

ICICI Pru Discovery Fund Equity – Mid & Small Cap 1000

Mirae Asset Emerging Bluechip Equity – Mid & Small Cap 1000

Reliance Equity Opp Fund Equity – Multi Cap 1000

Selecting well-performing funds with high ratings is the first step towards successful investing



Performance

* NAV as on 24-MAR-15


SIP Returns

SchemeNAVRs

3 Yrs 5 Yrs 10 Yrs 15 Yrs SinceInception

Franklin India Bluechip Fund 349.12 21.39 15.99 14.79 20.86 22.48

HDFC Mid-Cap Opp Fund 36.652 38.81 28.05 24.56

ICICI Pru Discovery Fund 113.13 39.42 28.43 22.61 23.08

Mirae Asset Emerging Bluechip 28.717 42.94 31.51

Reliance Equity Opp Fund 72.541 28.68 22.23 19.57 19.76


Performance

* NAV as on 29-Sep-14


SIP Returns & Valuations

Scheme

3 Yrs 5 Yrs 10 Yrs 15 Yrs Since Inception

Inv Rs. Value Rs.Inv Rs.

Value Rs.

Inv Rs.Value

Rs.Inv Rs. Value Rs. Inv Rs. Value Rs.

Franklin India Bluechip 36000 48514 60000 88530 120000 241683 180000 1017771 259000 4624956

HDFC Mid-Cap Opp 36000 60611 60000 117632 96000 259657

ICICI Pru Discovery 36000 61065 60000 118673 120000 390861 130000 490525

Mirae Asset Emerging Bl 36000 63748 59000 125385

Reliance Equity Opp Fund 36000 53322 60000 102607 120000 332069 123000 353885

Asset Allocation



Capitalisation

Portfolio Style Break Up

Rank Percentage (%)

Giant 27.05

Large Cap 16.96

Mid Cap 43.36

Small Cap 12.63

Not Classified 0.00



Equity Style Box


Sector AllocationPortfolio Sector Allocation

Sector Net Asset(%)Asset Value `

Financial 23.83 1124

Automobiles 11.33 511

Technology 10.94 494

Engineering 9.32 421

Services 8.15 368

Healthcare 7.54 340

Energy 6.42 290

Construction 5.05 227

Diversified 4.61 208

FMCG 3.99 180

Chemicals 3.37 152

Communication 1.55 70

Cons Durables 1.13 51

Metals 0.78 35

Textiles 0.16 7

Others 0.01 0.49

Total 100 5000


Stock AllocationTop 15 Equity Portfolio Holdings

Company Net Asset(%)Value `

Infosys 5.00 226

HDFC Bank 4.60 208

SBI 4.47 202

ICICI Bank 4.29 194

L&T 4.18 189

Maruti Suzuki 3.18 144

Axis Bank 2.98 135

Bharat Forge 1.98 90

Divi’s Lab 1.97 89

Tata Motors DVR 1.96 89

HCL Tech 1.81 82

Hero MotoCorp 1.65 74

HPCL 1.53 69

Reliance Industries 1.48 67

United Spirits 1.23 55

Others 57.69 2603

Total Portfolio Value 100.00 5000


SIP of Rs.5000 p.m.

Returns

SIP Period

(Yrs)

TotalInvestment

12 15 18 20

5 300000 408348 442872 481073 508791

10 600000 1150193 1376000 1656000 1880476

15 900000 2497900 3342533 4528122 5578499

20 1200000 4946000 7486000 11544000 15548259

Monthly Income(ROI @ 8% p.a.) 32973 49907 76960 103655


• SIP is a Good way to Invest to achieve Financial goal such as Marriage or Education of Children's, Wealthy Retirement and many more.


To Invest In Mutual Funds

Contact : Amit M. SurpuriyaKSHITIJ FINANCIAL SERVICESMobile: 98508 73688Email: [email protected]: http://www.kshitijfinancial.com/

systematic investment plan

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