systematic investment plan - fab

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Samriddhi Group Welcomes All

For private circulation [email protected]

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Do You think youve saved enough money for the Future???

Life is a roller coaster ride- full of ups and downs. We all know that we have to save for retirement, childrens education, medical exigencies, family responsibilities and many more obligations that life brings with it. But the matter of the fact is No Matter how much you save it is never enough


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Who is winning the race? The Return on Your investment or Inflation???Ever tried a beating a treadmill while running on it? It invariably stays ahead of you. Inflation is just like a treadmill. If the rate of Inflation (on an average) is greater than the return on your investment you would have lost the race even before it has actually begun!

And as the time passes by, the gap between your investment growth and cost increase due to inflation will only widen

If you still dont believe, just take a look at the following illustrations on how costs can spiral up, assuming an average 5% inflation rate


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Your Current monthly expenses

2010 : Rs 20,000After 25 Years2035 : Rs 67,727


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Cost of higher education2010 : Rs 5,00,000After 15 Years2025 : Rs 10,39,464


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Childs marriage expense2010 : Rs 10,00,000After 20 Years2030 : Rs 26,53,298

If you want your investment returns to win the race against inflation, you need to choose an investment vehicle which has the potential to perform with some momentum over a long period of timeThe illustrations for future expenses are assuming 5% rate of inflation, and are indicative in nature


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How do you beat inflation

You need an investment vehicle which has the potential to deliver returns which are substantially higher than inflation over a long period of time.

Did you know?? The BSE Sensex has given a compounded annualised return of 18% since inception


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Historical sensex returnsNO.YEAR ENDSENSEXROLLING 1 YEAR GROWTHROLLING 3 YEAR GROWTHROLLING 5 YEAR GROWTHROLLING 7 YEAR GROWTHROLLING 10 YEAR GROWTHROLLING 15 YEAR GROWTHROLLING 20 YEAR GROWTH031-Mar-79100.00131-Mar-80128.5728.57%231-Mar-81173.4434.90%331-Mar-82217.7125.52%29.58%431-Mar-83211.51-2.85%18.05%531-Mar-84245.3315.99%12.24%19.64%631-Mar-85353.8644.24%17.56%22.43%731-Mar-86574.1162.24%39.45%27.03%28.33%831-Mar-87510.36-11.10%27.66%18.57%21.76%931-Mar-88398.37-21.94%4.02%13.48%12.60%1031-Mar-89713.6079.13%7.51%23.79%18.47%21.70%1131-Mar-90781.059.45%15.22%17.15%20.50%19.76%1231-Mar-911167.9749.54%43.12%15.25%24.96%21.00%1331-Mar-924285.00266.88%81.66%52.97%42.76%34.68%1431-Mar-932280.52-46.78%42.88%41.73%21.76%26.82%1531-Mar-943778.9965.71%47.85%39.54%33.08%31.43%27.37%1631-Mar-953260.96-13.71%-8.70%33.07%35.02%24.85%24.04%1731-Mar-963366.613.24%13.85%23.55%24.79%19.33%21.84%1831-Mar-973360.89-0.17%-3.83%-4.74%23.16%20.72%20.00%1931-Mar-983892.7515.82%6.08%11.28%18.75%25.59%21.41%2031-Mar-993739.96-3.92%3.57%-0.21%-1.92%18.01%19.90%19.85%2131-Mar-005001.2833.73%14.15%8.92%11.86%20.39%19.30%20.09%2231-Mar-013604.38-27.93%-2.53%1.37%-0.67%11.92%13.02%16.38%2331-Mar-023469.00-3.76%-2.48%0.64%0.89%-2.09%13.63%14.85%2431-Mar-033049.00-12.11%-15.21%-4.77%-1.41%2.95%14.53%14.27%2531-Mar-045528.0081.31%15.32%8.13%7.37%3.88%14.62%16.85%2631-Mar-056492.8217.45%23.24%5.36%7.58%7.13%15.16%15.66%2731-Mar-0611279.9673.73%54.66%25.63%17.08%12.85%16.32%16.06%2831-Mar-0713072.1015.89%33.23%30.39%14.71%14.55%7.72%17.60%2931-Mar-0815644.4419.68%34.06%38.69%23.33%14.92%13.70%20.14%3031-Mar-099708.50-37.94%-4.88%11.92%15.84%10.01%6.49%13.94%3131-Mar-1017527.7780.54%10.27%21.97%28.38%13.36%11.86%16.83%Probability of Loss11/316/293/273/251/220/170/12Avg. return27.14%19.23%18.62%17.96%16.99%16.53%16.88%


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Long term savingEquity is not that risky !

Period : 31-Mar-1979 to 31-Mar-2010Probability of loss is low for investments periods of 10-20 years

Average historical returns are about 17-19% p.a.

As GDP growth in India is higher, future returns can be higher.


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Is there a Plan??


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Systematic Investment planYour Secret Weapon towards creating a Multi Million WealthSmart Investment PlanSuccessful Investment PlanSuper Investment PlanSafe Investment PlanISP



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Systematic Investment plan A step by step approach to beat inflation

You may have experienced that tasks done in planned, disciplined and systematic manner invariably deliver the best results over the long term.Wealth Creation requires the same principle Its all about Systematic Investment Planning and maintaining that disciplined approach till you achieve your desired results.


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You can become a crorepati But you need to start now!Benefit from the Power of Compounding Saving a small sum of money regularly in equity Mutual Funds can make your money work with greater power and can have a significant impact on wealth accumulation. Thats the underlying principle of the Power of Compounding. But you need to START NOW!


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IllustrationNo. of YearsCompounded Annualised Return15 Yrs20 YrsMonthly InvestmentRs. 5,000Rs. 5,000Total InvestmentRs.9.0 LakhRs. 12.0 LakhAssumed Annualised Return18%18%Final CorpusRs. 45.96 lakhRs. 1.17 Crore

Even a seemingly small 5 year delay can cost you the Crorepati tag.The illustration above is merely indicative in nature and does not, in any manner, indicate the performance of any of the Mutual Fund schemes available in the market.


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Take a SIP with a Equity Mutual Fund Take one step at a time

Starting an SIP in an equity mutual fund allows you to take advantage of investing in equities and also seek diversification. In addition it also minimizes the effects of investing in volatile markets. One does not have to worry about when and where to invest or daily track the market movements, as systematic investing significantly reduces the risks related to market timing.


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The first 4 steps to potential wealth creationStep 1: Select a Mutual Fund Scheme of your choice from the universe of Equity Schemes available in the market.

Step 2: Select the investment amountStep 3: Decide on the Frequency i.e. Do you wish to opt for monthly or Quarterly SIP option? We recommend a monthly optionStep 4: Decide the investment period i.e. For how long do you wish to invest on a regular basis. We recommend that for an investor to benefit from the Power of Compounding you need to select a longer time period, e.g. if you are starting an SIP to build a retirement corpus, you should select a period which is equal to the number of years that are left before you retire.


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How does SIP work in a mutual fund?If just the incredible Power of Compounding wasnt enough, investing with the help of SIPs also offers you the additional benefit of Rupee Cost Averaging. Simply put you buy more units at a lower prices (NAV), and less units at higher prices, without having to track the market everyday.

This is the way it works The amount you invest gets converted into units, depending on the Applicable Net Asset value (NAV) of the scheme, as on the SIP date opted by you.


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IllustrationMonthNAVAmount invested (Rs)Units bought11010,00010002910,00011113810,000125041010,00010005810,0001250Total50,0005,611 Average Cost8.91

The units get accumulated over a period of time. You can also stay invested till the time you wish to and redeem your units in case you want to exit from the scheme. The units will be redeemed at the applicable NAV.The important thing to remember is that you should invest a fixed amount, and not a fixed number of shares.


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Summary benefits of SIPSIPs inculcate the savings habit in investors. On a regular basis you put aside affordable sums of money and without realising it, over the long run you could amass great wealth.It helps you in diversification of your money.SIPs serve as a great financial tool to counter inflation.You benefit from an investment principle called 'Rupee cost averaging'. Since you invest fixed sums at regular intervals, you pick up more units when the prices are low and less units when the prices are high. This brings down the average cost of your units.A Systematic Investment Plan renders to you the power of compounding, especially if you begin your SIP early in life.Professional Management of your money by expert Fund Managers.Risk of Market timing is reduced considerably.Daily tracking of the stock market is not required for your SIP investments.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.You can decide on your own investment amount.You can decide on the time horizon.You can make additional purchases and redeem partially or fully at will.


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Multiple choice of equity schemes from leading Mutual fund houses.

Reliance Mutual FundDSP BlackRock Mutual FundHDFC Mutual FundSBI Mutual FundSundaram BNP Paribas MFICICI Pru MFBirla Sunlife MFING Mutual FundKotak Mutual Fund&Many More


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Samriddhi Group


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About usWe are a Kolkata based, Investment Advisory Organisation and financial services provider, being promoted by young professionals and entrepreneurs. We help you in making wise investment decisions and enhance your prosperity. We have a collective experience of around 50 years in Capital Market.We started operations in February 2006 and since then our investor family has grown to approximately 750 and the Assets Under our Management is around 100 Crores.Our client segment includes:Corporate & InstitutionsHigh Net - worth IndividualsNRIsTrustsEducational InstitutesRetailOur future plans include Stock Broking, Merchant Banking & Investment Banking activities. We also propose to open branches in Kolkata, New Delhi, Mumbai, Chennai, Bangalore and Pune besides expanding our reach by opening more branches in the Eastern Region in towns like Durgapur, Bardhhaman, Silliguri, Kharagpur, Asansol, etc.


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ProductsWe provide services in the following to empower our investors, making them wise; enabling them to create prosperity, with prosperity focused investing and ensuring :- Shares*Mutual FundsCommodities ( NCDEX, MCX)Life Insurance General Insurance IPO, Bonds & DepositsInvestment Advisory ServicesWealth Management ServicesReal Estate

We also help you in filing of your Income Tax Returns and other statutory matters.Samriddhi is a preferred distributor for all Mutual Funds in the country by virtue of the volumes of mobilization, number of investors, sales and after-sales services and in-depth analysis provided to our clientele. We have also won various awards and have been specially recognised by various AMCs for our performance.Through Shilpa Stock Broker Pvt. Ltd.


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Contact usSamriddhi Group of Companies71, Canning Street,5th Floor, Suite No. D 501,Kolkata 700 001Phone - 91 33 3298 1212Fax 91 33 2215 6823Email [email protected] www.samriddhigroup.comContact Person Kunal JainMobile Number 99037 30000


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SourcesDSP Blackrock Mutual FundReliance Mutual Fundwww.moneycontrol.comwww.rediff.com


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DisclaimerAll Mutual Funds and Securities Investments are subject to market risks and there can be no assurance that the objective of the scheme will be achieved. As with any investment in securities, the NAV of the units issued under the Scheme may go up or down depending upon the factors and forces affecting the Securities Markets. Please read the Scheme Information Document (SID) and Statement of Additional Information (SAI) carefully before investing.This document is for private circulation only. Neither the information nor any opinion expressed constitutes an offer, or any invitation to make an offer, to buy or sell instruments related to such investments. Samriddhi Group or any of its associates or employees does not accept any liability whatsoever direct or indirect that may arise from the use of the information herein. No matter contained herein may be reproduced without prior consent of Samriddhi Group . While this presentation has been prepared on the basis of published/ other publicly available information considered reliable, we are unable to accept any liability for the accuracy of its contents.


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Thank You


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Sheet2Period31-mar-79 to 31- Mar- 04HoldingProbabilityAvg Returnperiodof lossCAGR %1 year11 / 3127%3 year6/ 2919%5 year3/ 2719%7 year3 / 2518%10 year1 / 2217%15 year0 / 1717%20 year0 / 1217%

Sheet1UWPAsset ClassBenchmarkRunning YieldTotal Return-1 yr5 yr exp returnGovt Securities55%6.0%55%Infrastructure Bonds15%6.5%15%Corporate Bonds20%20%Equities5%5%Money Market5%5%Portfolio Return expectedP-UWPAsset ClassBenchmarkRunning YieldTotal return-1yr5 yr exp returnGovt Securities58%58%Corporate Bonds30%30%Equities5%5%Money Market7%7%Portfolio Return expected

systematic investment plan - fab

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