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  • Rerement Childs educaonChilds marriage

    Timely financial obligaons

    Car

    Medical emergency

    Rerement

    Childs educaon

    Childs marriage

    Home

    Timely financial obligaons

    RerementChilds educaon

    Childs marriage Medical emergencyVacaon Rerement

    Childs educaon

    Childs marriage

    Home

    Timely financial obligaons

    Car

    Vacaon Medical emergency

    Rerement Childs educaonChilds marriage Home

    Timely financial obligaons

    Medical emergency

    Rerement

    Childs educaon

    Childs marriage

    Home

    Timely financial obligaons CarVacaon

    RerementChilds educaon

    Childs marriage Medical emergencyVacaon Rerement

    Childs educaon

    Childs marriage

    Home

    Timely financial obligaons

    Car

    Vacaon Medical emergency

    Timely financial obligaons Rerement

    Childs educaon

    Childs marriage

    Home RerementChilds educaon

    Childs marriage Medical emergencyVacaon Rerement

    Childs marriage

    Home

    Timely financial obligaons

    Car

    Vacaon Medical emergency

    RerementChilds educaon Childs marriage Home

    Timely financial obligaons

    Car

    Medical emergency

    Rerement

    Childs educaon

    Childs marriage

    Home

    Timely financial obligaons Vacaon

    RerementChilds educaon

    Childs marriage Medical emergencyVacaon Rerement

    Childs educaon

    Childs marriage

    Home

    Timely financial obligaons

    Car

    Vacaon Medical emergency

    Rerement Childs educaonChilds marriage Home

    Timely financial obligaons

    Car

    Medical emergency

    Rerement

    Childs educaon

    Childs marriage

    Home

    Timely financial obligaons CarVacaon

    RerementChilds educaon

    Childs marriage Medical emergencyVacaon Rerement

    Childs educaon

    Childs marriage

    Home

    Timely financial obligaons

    Car

    Vacaon Medical emergency

    Rerement Childs educaonChilds marriage Home

    Timely financial obligaons

    Car

    Medical emergency

    Rerement

    Childs educaon

    Childs marriage

    Home

    Timely financial obligaons CarVacaon

    RerementChilds educaon

    Childs marriage Medical emergencyVacaon Rerement

    Childs educaon

    Childs marriage

    Home

    Timely financial obligaons

    Car

    Vacaon Medical emergency

    Timely financial obligaons Rerement

    Childs educaon

    Childs marriage

    Home RerementChilds educaon

    Childs marriage Medical emergencyVacaon Rerement

    Childs marriage

    Home

    Timely financial obligaons

    Car

    Vacaon Medical emergency

    RerementChilds educaon Childs marriage Home

    Timely financial obligaons

    Medical emergency

    Rerement

    Childs educaon

    Childs marriage

    Home

    Timely financial obligaons CarVacaon

    RerementChilds educaon

    Childs marriage Medical emergencyVacaon Rerement

    Childs educaon

    Childs marriage

    Home

    Timely financial obligaons

    Car

    Vacaon Medical emergency

    Timely financial obligaons Rerement

    Childs educaon

    Childs marriage

    Home RerementChilds educaon

    Childs marriage Medical emergencyVacaon Rerement

    Childs marriage

    Home

    Timely financial obligaons

    Car

    Vacaon Medical emergency

    Timely financial obligaons

    Car

    Rerement

    Childs educaon

    Childs marriage

    Home RerementChilds educaon

    Childs marriage Medical emergencyVacaon Rerement

    Childs marriage

    Home

    Timely financial obligaons

    Car

    Vacaon Medical emergency

    Rerement Childs educaonChilds marriage Home

    Timely financial obligaons

    Medical emergency

    Rerement Childs marriage

    Timely financial obligaons Car Vacaon

    Childs marriage Medical emergencyVacaon Rerement

    Childs educaon

    HomeCar

    Childs educaon

    Systematic Investment Plan

  • Did you know?

    Source: Internal analysis. Data as on Mar 31, 2018

    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 80 today! It has increased 8 times in 28 years!

    Sensex has grown from approx. 700 points in 1990 to approx. 35160 points in 2018, thus having shown a growth of 50x over a span of 28 years.

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    Value of money over time

    Over FY79-18 inflation on an average has been 6.56%,eroding purchasing power of ` by 95%

    Source: Bloomberg, MOAMC internal analysis, Data as on Apr 30, 2018Note: The information herein is used for comparison purpose and is illustrative and is not sufficient and shouldnt 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

    RupeeInflaon erodes purchasing power of money

    CPI = Consumer Price Index

  • Importance of good investments

    All individuals need to invest for:

    Rerement

    Childs educaon

    Childs marriage Home

    Other familyobligaons

    Car

    Medical emergency

    Vacaon

    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 (Consumpon + Savings)

    Consumpon

    Savings and investments

    22Young Independent

    60Rerement

    40Middle Age

    27Young Married

    5

  • Avenues of savings and investments

    Source: Bloomberg, MOAMC internal analysis, Data as on April 30, 2018Note: 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

    No

    min

    al V

    alu

    e

    If you had invested Rs 100 .....

    4,400 2,229

    35,160

    -

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    15,000

    20,000

    25,000

    30,000

    35,000

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  • What is a (SIP)?Systematic Investment Plan

    A Systemac Investment Plan or SIP is a smart and h a s s l e f r e e m o d e f o r invesng money in mutual funds. It helps you to create wealth, by invesng small sums of money at specified intervals, over a period of me instead of a heavy one-me investment.

    A SIP is a planned approach towards investments and helps you inculcate the habit of saving and building wealth by invesng an amount as low as Rs. 500 monthly. Invesng at an early stage of life lets you enjoy the benefits of two powerful strategies, rupee cost averaging and the power of compounding.

    SIP allows you to buy units on a specified date every month, so that you can implement a saving plan for yourself. The benefits of this can be enjoyed as and when t h e n e e d a r i s e s f o r occasions like marriage, educaon, buying a house or a car etc. and above all, rerement.

    S I P

    7

  • Benefits of SIP

    S P

    Inculcates the discipline to save and invest regularly

    Negates t

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