systematic investment plan - india the sip amount and tenure of sip are assumed figures for the...

Download Systematic Investment Plan - India The SIP amount and tenure of SIP are assumed figures for the purpose

If you can't read please download the document

Post on 04-Jun-2020

0 views

Category:

Documents

0 download

Embed Size (px)

TRANSCRIPT

  • Re�rement Child’s educa�onChild’s marriage

    Timely financial obliga�ons

    Car

    Medical emergency

    Re�rement

    Child’s educa�on

    Child’s marriage

    Home

    Timely financial obliga�ons

    Re�rementChild’s educa�on

    Child’s marriage Medical emergencyVaca�on Re�rement

    Child’s educa�on

    Child’s marriage

    Home

    Timely financial obliga�ons

    Car

    Vaca�on Medical emergency

    Re�rement Child’s educa�onChild’s marriage Home

    Timely financial obliga�ons

    Medical emergency

    Re�rement

    Child’s educa�on

    Child’s marriage

    Home

    Timely financial obliga�ons CarVaca�on

    Re�rementChild’s educa�on

    Child’s marriage Medical emergencyVaca�on Re�rement

    Child’s educa�on

    Child’s marriage

    Home

    Timely financial obliga�ons

    Car

    Vaca�on Medical emergency

    Timely financial obliga�ons Re�rement

    Child’s educa�on

    Child’s marriage

    Home Re�rementChild’s educa�on

    Child’s marriage Medical emergencyVaca�on Re�rement

    Child’s marriage

    Home

    Timely financial obliga�ons

    Car

    Vaca�on Medical emergency

    Re�rementChild’s educa�on Child’s marriage Home

    Timely financial obliga�ons

    Car

    Medical emergency

    Re�rement

    Child’s educa�on

    Child’s marriage

    Home

    Timely financial obliga�ons Vaca�on

    Re�rementChild’s educa�on

    Child’s marriage Medical emergencyVaca�on Re�rement

    Child’s educa�on

    Child’s marriage

    Home

    Timely financial obliga�ons

    Car

    Vaca�on Medical emergency

    Re�rement Child’s educa�onChild’s marriage Home

    Timely financial obliga�ons

    Car

    Medical emergency

    Re�rement

    Child’s educa�on

    Child’s marriage

    Home

    Timely financial obliga�ons CarVaca�on

    Re�rementChild’s educa�on

    Child’s marriage Medical emergencyVaca�on Re�rement

    Child’s educa�on

    Child’s marriage

    Home

    Timely financial obliga�ons

    Car

    Vaca�on Medical emergency

    Re�rement Child’s educa�onChild’s marriage Home

    Timely financial obliga�ons

    Car

    Medical emergency

    Re�rement

    Child’s educa�on

    Child’s marriage

    Home

    Timely financial obliga�ons CarVaca�on

    Re�rementChild’s educa�on

    Child’s marriage Medical emergencyVaca�on Re�rement

    Child’s educa�on

    Child’s marriage

    Home

    Timely financial obliga�ons

    Car

    Vaca�on Medical emergency

    Timely financial obliga�ons Re�rement

    Child’s educa�on

    Child’s marriage

    Home Re�rementChild’s educa�on

    Child’s marriage Medical emergencyVaca�on Re�rement

    Child’s marriage

    Home

    Timely financial obliga�ons

    Car

    Vaca�on Medical emergency

    Re�rementChild’s educa�on Child’s marriage Home

    Timely financial obliga�ons

    Medical emergency

    Re�rement

    Child’s educa�on

    Child’s marriage

    Home

    Timely financial obliga�ons CarVaca�on

    Re�rementChild’s educa�on

    Child’s marriage Medical emergencyVaca�on Re�rement

    Child’s educa�on

    Child’s marriage

    Home

    Timely financial obliga�ons

    Car

    Vaca�on Medical emergency

    Timely financial obliga�ons Re�rement

    Child’s educa�on

    Child’s marriage

    Home Re�rementChild’s educa�on

    Child’s marriage Medical emergencyVaca�on Re�rement

    Child’s marriage

    Home

    Timely financial obliga�ons

    Car

    Vaca�on Medical emergency

    Timely financial obliga�ons

    Car

    Re�rement

    Child’s educa�on

    Child’s marriage

    Home Re�rementChild’s educa�on

    Child’s marriage Medical emergencyVaca�on Re�rement

    Child’s marriage

    Home

    Timely financial obliga�ons

    Car

    Vaca�on Medical emergency

    Re�rement Child’s educa�onChild’s marriage Home

    Timely financial obliga�ons

    Medical emergency

    Re�rement Child’s marriage

    Timely financial obliga�ons Car Vaca�on

    Child’s marriage Medical emergencyVaca�on Re�rement

    Child’s educa�on

    HomeCar

    Child’s educa�on

    Systematic Investment Plan

  • Did you know?

    Source: Internal analysis. Data as on Feb 28, 2019

    If your current monthly expenses are ` 30,000/- per month, then after 20 years you will require ̀ 80,000/- a month to just maintain the same lifestyle!

    An education degree for your child which currently costs ` 20 lakh could cost over ̀ 34 lakh after 11 years!

    In 1990 petrol price was ̀ 9.84 and ̀ 78 today! It has increased 7.5 times in 28 years!

    Sensex has grown from approx. 700 points in 1990 to approx. 35,867 points on 28�� February, 2019, thus having shown a growth of 50x over a span of 28 years.

    1

  • Value of money over time

    Over FY79-18 inflation on an average has been 6.11%, eroding purchasing power of ` by 95%

    Source: Bloomberg, MOAMC internal analysis, Data as on Feb 28, 2019 Note: The information herein is used for comparison purpose and is illustrative and is not sufficient and shouldn’t be used for the development or implementation of an investment strategy. It should not be construed as an investment advice to any party. Past performance may or may not be sustained in future.

    2

    4.84

    100

    40

    60

    80

    100

    20

    -

    Inflation erodes purchasing power of money

    CPI=Consumer Price Index

    Rupee

    M a

    r- 7

    9 Ja

    n -8

    0 N

    o v-

    8 0

    S e

    p -8

    1 Ju

    l- 8

    2 M

    a y-

    8 3

    M a

    r- 8

    4 Ja

    n -8

    5 N

    o v-

    8 5

    S e

    p -8

    6 Ju

    l- 8

    7 M

    a y-

    8 8

    M a

    r- 8

    9 Ja

    n -9

    0 N

    o v-

    9 0

    S e

    p -9

    1 Ju

    l- 9

    2 M

    a y-

    9 3

    M a

    r- 9

    4 Ja

    n -9

    5 N

    o v-

    9 5

    S e

    p -9

    6 Ju

    l- 9

    7 M

    a y-

    9 8

    M a

    r- 9

    9 Ja

    n -0

    0 N

    o v-

    0 0

    S e

    p -0

    1 Ju

    l- 0

    2 M

    a y-

    0 3

    M a

    r- 0

    4 Ja

    n -0

    5 N

    o v-

    0 5

    S e

    p -0

    6 Ju

    l- 0

    7 M

    a y-

    0 8

    M a

    r- 0

    9 Ja

    n -1

    0 N

    o v-

    1 0

    S e

    p -1

    1 Ju

    l- 1

    2 M

    a y-

    1 3

    M a

    r- 1

    4 Ja

    n -1

    5 N

    o v-

    1 5

    S e

    p -1

    6 Ju

    l- 1

    7 M

    a y-

    1 8

    Ju n

    -1 8

    Ju l-

    1 8

    Fe b

    -1 9

  • Importance of good investments

    All individuals need to invest for:

    Re�rement

    Child’s educa�on

    Child’s marriage Home

    Other family obliga�ons

    Car

    Medical emergency

    Vaca�on

    3

  • Investors usually are scared of …

    The risk that an investment can be illiquid

    The downside risk in equities

    The risk of timing the

    market

    The risk of market volatility

    The risk of losing some or

    all of the amount

    invested.

    4

  • Life Stages of an Investor

    All individuals have a finite period to save for their investment goals

    Earnings (Consump�on + Savings)

    Consump�on

    Savings and investments

    22 Young Independent

    60 Re�rement

    40 Middle Age

    27 Young Married

    5

  • Avenues of savings and investments

    Source: Bloomberg, MOAMC internal analysis, Data as on Feb 28, 2019 Note: The above graph is used to explain the concept and is for illustration purpose only and should not used for development or implementation of an investment strategy. Past performance may or may not be sustained in future.

    Cumulative annualized returns from 1979-2018:

    Equities outperform other asset classes over the long term

    6

    N o

    m in

    al V

    al u

    e

    If you had invested Rs 100 .....

    4,662 2,353

    36,867

    -

    5,000

    10,000

    15,000

    20,000

    25,000

    30,000

    35,000

    M a

    r- 7

    9 Ja

    n -8

    0 N

    o v-

    8 0

    S e

    p -8

    1 Ju

    l- 8

    2 M

    a y-

    8 3

    M a

    r- 8

    4 Ja

    n -8

    5 N

    o v-

    8 5

    S e

    p -8

    6 Ju

    l- 8

    7 M

    a y-

    8 8

    M a

    r- 8

Recommended

View more >