to get fruits sow the seeds now & nourish … can spread your money across all asset classes of...

TO GET FRUITS IN FUTURE, WE HAVE TOSOW THE SEEDS NOW & NOURISH REGULARLY...

APPLY THE SAME FOR INVESTMENT....

“THE BEST TIME TO PLANT A TREE WAS 20 YEARS AGO. THE SECOND BEST TIME IS NOW.” - CHINESE PROVERB

PREPARE YOUR

FINANCIAL PLANAND

STRENGTHENYOUR

WEALTHThe decisions you make today will determine the tomorrow of your family

Here are a few tips that will strengthen your �nancial plan.

As the breadwinner, your primary concern is family �nancial security post your retirement or in your absence. The ideal road to gaining �nancial safety is smart investments, prudent savings, and wise insurance policies. A steady income is the result of a well-thought �nancial plan that covers all the risks. Here are a few tips that will strengthen your �nancial plan.

“ Financial Planning is about more than just good advice or investment returns. It’s about

providing guidance that you can trust.”Disclaimer: The above content are for illustrative purpose only. The situations/results may

or may not materialise in future. Consult your financial/tax advisor for more detail.

Asset AllocationYou can spread your money across all asset classes of stocks, bonds and cash, based on your short-term & long-term goals. The thumb rule for investment in equities is 100 minus your current age in percentage terms.

Retirement PlanningIt is believed that the earlier you start your retirement plan, the better it is. Starting early certainly has its advantages; your money has more time to grow. Make sure the amount you calculate as your retirement fund is enough to maintain your lifestyle after factoring for in�ation.

Adequate Insurance CoverHaving adequate Life & Health Insurance cover is as important as saving for future needs. It is essential to do an insurance-need analysis to identify insurance needs for self and family. While most of them who have insurance think they are adequately covered, only wake up to realize that they are not in the event of a disaster. Therefore it is important that you periodically review your insurance requirement.

Estate PlanningIn simple words, estate is your net worth. Estate planning involves ensuring that, in the event of your death, your wealth is distributed as per your wish, without legal hassles. A few basic steps of estate planning involve creating a will, nominating guardians and monitoring your plan regularly.

Tax PlanningTax planning is a crucial part of your �nancial plan; one that is usually overlooked until year-end is round the corner. The �rst step in tax planning is calculating your tax liabilities.

BEAT INFLATION AND ACHIEVE YOUR FINANCIAAL GOALS WITH...

INFLATIONTHE BIGGEST HURDLE IN ACHIEVING FINANCIAL GOAL

IF YOU WERE HAVING R1,00,000/- IN 1990, TODAY ITS VALUE AS PER 7% INFLATION RATE IS R15,150/-

1990R 1,00,000/-

1996R 64,700/-

2006R 31,300/-

2016R 15,150/-

2026

?

(Total number of schemes covered: 45, Returns as on 30th September, 2016) * 15 Year Period From 30/09/2001 to 30/09/2016Disclaimer: This publication is made for private circulation only. The information mentioned in this publication is taken from various sources for which we does not assume any responsibility or liability and neither does guarantee its accuracy or adequacy. Mutual Fund investments are subject to market risks. Investors are advised to read the offer documents and other risk factors carefully before investing in any scheme. The past performance of a scheme is not indicative of its future performance. Investors are advised to take advice of experts before making any investment decisions. The data/information/comparisons in this document is aimed to provide better understanding and knowledge to the reader. This publication should not be construed as a financial advice and/or as solicitation/advice to buy or sell Mutual Funds.

2001R 1,00,000/-

2005R 5.60 lacs

2008R 7.77 lacs

2011R 11.09 lacs

2016R 24.61 lacs

LUMPSUM15 YEARS PERFORMANCE IN EQUITY MUTUAL FUNDS

IF YOU HAD INVESTED R1,00,000/- IN EQUITY MUTUAL FUNDS IN 2001, TODAY ITS VALUE IS R24,61,290/- @ 23.8% CAGR

INVESTMENT

GOLDEQUITY

FD

R1.5 Cr.15 TIMES

returns in 13 YRSfrom 72 EquityMutual Funds

R25 lacs2.5 TIMES

returns in 13 YRS

R46 lacs4.6 TIMES

returns in 13 YRS

Current Value of R10 Lac. Period from 31/03/2003 to 31/03/2016. Average return of 72 Equity MF available in March 2003 considered

Bank FD Gold Avg of Equity MF0

200000

400000

600000

800000

1000000

1200000

1400000

1600000

1800000

R 25lacs

R 46lacs

R 1.5Crores

PERFORMANCE OF DIFFERENT ASSET CLASSES

Disclaimer: Mutual Fund investments are subject to market risks. Investors are advised to read the offer documents and other risk factors carefully before investing in any scheme. The past performance of a scheme is not indicative of its future performance.

93% FundsInvestment has multipliedby more than 10 times.

*Returns as on 30th September, 2016. For schemes with dividend option, dividend reinvestment has been considered on the date of dividend. Funds are arranged in alphabetical order. Source: Internal

THE BIG MONEY IS NOT IN THE BUYING AND SELLING BUT IN

THE WAITING.

INVESTMENT PLAN IN EQUITY MUTUAL FUNDS


INVESTED R LUMPSUM INVESTED*

R CURRENT VALUE*

*In September, 2001 *As on 30th September, 2016

Return CAGR (%)Scheme Name Value (R) Return CAGR (%)Scheme Name Value (R)

Birla Sun Life Advantage Fund GrBirla Sun Life Equity Fund - GrBirla Sun Life India Opportunities Fund - GrBirla Sun Life MNC Fund GrBirla Sun Life Tax Plan - DivBirla Sun Life Tax Relief 96 Fund - DivCanara Robeco Equity Tax Saver Fund - DivDSP BlackRock Equity Fund - Reg. Plan - DivDSP BlackRock Opportunities Fund - GrEscorts Growth Plan GFranklin India Bluechip Fund GrFranklin India Opportunities Fund-GrFranklin India Prima Fund GrFranklin India Prima Plus GrFranklin India Taxshield GrHDFC Capital Builder-GrHDFC Equity Fund - DivHDFC Growth Fund GrHDFC Large Cap Fund - GrHDFC Long Term Advantage Fund - GrHDFC Taxsaver - DivHDFC Top 200 Fund - DivICICI Prudential Long Term Equity Fund - Regular GrICICI Prudential Multicap Fund - Gr

21.0025.7621.9524.1724.1422.7421.2025.0525.7220.0723.7921.0830.2725.4424.4924.2026.3423.1916.3525.7525.0325.6426.3423.35

17,44,94031,12,70519,62,12725,71,87725,62,57221,61,68217,88,70728,59,27230,97,88715,54,23824,56,31217,62,32652,80,39229,95,99226,73,11125,81,21433,35,13222,83,662

9,69,38431,08,99428,52,42030,68,44933,35,13223,28,559

ICICI Prudential Top 100 Fund - GrJM Equity Fund Growth OptionKotak 50 Equity Scheme DivLIC MF Equity Fund GrPrincipal Growth Fund GrPrincipal Personal Tax Saver - GrPrincipal Tax Savings FundReliance Growth Fund GrReliance Vision Fund GrSBI Contra Fund - Regular DivSBI Magnum Equity Fund - DivSBI Magnum Global Fund - DivSBI Magnum Multiplier Fund - DivSBI Magnum Tax Gain Fund - DivSundaram Tax Saver - DivTata Ethical Fund - GrTata India Tax Savings Fund Regular Plan - DivTata Large Cap Fund - GrTaurus Discovery Fund - GrTaurus Starshare GrowthTempleton India Growth Fund GrAverage

21.0816.2522.4215.3019.6519.6020.6230.3027.0826.2621.4527.1624.3826.7123.6522.7822.3422.9416.7422.6422.74

23.81

17,62,3269,56,961

20,78,6708,46,135

14,74,65514,65,43916,64,52352,98,66236,40,47533,03,59518,44,85736,75,00426,37,90034,84,68424,14,97021,72,27320,58,38822,15,12410,19,28421,35,41421,61,682

24,61,291


15 FundsHave made their SIP investorsCrorepati (for a monthly SIPof R10,000 for 15 years)

INVESTED R SIP R10,000/- PER MONTH*

R CURRENT VALUE*

SYSTEMATICINVESTMENT PLANIN EQUITY MUTUAL FUNDS

*Returns as on 30th September, 2016. For schemes with dividend option, dividend reinvestment has been considered on the date of dividend. Investment assumed to be done on 10th of every month. Funds are arranged in alphabetical order. Source: Internal

THE BIG MONEY IS NOT IN THE BUYING AND SELLING BUT IN

THE WAITING.

*From October 2001 to September, 2016 *As on 30th September, 2016

Return CAGR (%)Scheme Name Value (R) Return CAGR (%)Scheme Name Value (R)

Birla Sun Life Advantage Fund GrBirla Sun Life Equity Fund - GrBirla Sun Life India Opportunities Fund - GrBirla Sun Life MNC Fund GrBirla Sun Life Tax Plan - DivBirla Sun Life Tax Relief 96 Fund - DivCanara Robeco Equity Tax Saver Fund - DivDSP BlackRock Equity Fund - Reg. Plan - DivDSP BlackRock Opportunities Fund - GrEscorts Growth Plan GFranklin India Bluechip Fund GrFranklin India Opportunities Fund-GrFranklin India Prima Fund GrFranklin India Prima Plus GrFranklin India Taxshield GrHDFC Capital Builder-GrHDFC Equity Fund - DivHDFC Growth Fund GrHDFC Large Cap Fund - GrHDFC Long Term Advantage Fund - GrHDFC Taxsaver - DivHDFC Top 200 Fund - DivICICI Prudential Long Term Equity Fund - Regular GrICICI Prudential Multicap Fund - Gr

18.2021.4616.0422.8119.6518.3718.6021.4120.7916.4718.8817.1123.6021.1520.4520.6721.2118.8112.2720.1620.6020.7521.6819.62

81,53,1451,08,71,569

67,47,7271,22,53,621

92,63,89182,75,93284,45,105

1,08,23,5381,02,45,612

70,05,90186,55,88074,09,404

1,31,43,6361,05,77,240

99,42,1551,01,37,4431,06,33,566

86,02,68348,70,49496,90,593

1,00,74,8841,02,09,4251,10,85,495

92,39,399

ICICI Prudential Top 100 Fund - GrJM Equity Fund Growth OptionKotak 50 Equity Scheme DivLIC MF Equity Fund GrPrincipal Growth Fund GrPrincipal Personal Tax Saver - GrPrincipal Tax Savings FundReliance Growth Fund GrReliance Vision Fund GrSBI Contra Fund - Regular DivSBI Magnum Equity Fund - DivSBI Magnum Global Fund - DivSBI Magnum Multiplier Fund - DivSBI Magnum Tax Gain Fund - DivSundaram Tax Saver - DivTata Ethical Fund - GrTata India Tax Savings Fund Regular Plan - DivTata Large Cap Fund - GrTaurus Discovery Fund - GrTaurus Starshare GrowthTempleton India Growth Fund GrAverage

17.7511.8818.3211.3315.8115.6716.0923.9319.3420.2117.9824.0021.6422.4619.1219.3919.0018.9814.8217.9318.60

19.36

78,37,13147,10,77882,39,62144,95,03466,13,73765,33,54567,77,229

1,35,34,48590,13,99297,33,49679,97,034

1,36,18,8871,10,46,2831,18,79,043

88,40,85690,53,82587,47,86487,32,46460,68,08379,61,98784,45,105

90,27,529

ACHIEVEFINANCIAL

GOAL

POWER OFCOMPOUNDING

TAX FREE LONG TERM

CAPITALGAINS

TAXSAVINGu/s 80C

WITH ELSSLONG TERMWEALTH

CREATION

TAX FREEDIVIDEND

SIPSYSTEMATIC INVESTMENT PLAN

REASONS FOR INVESTING INEQUITY MUTUAL FUNDS WITH6

SUPER

SYSTEMATIC INVESTMENT PLANIN EQUITY MUTUAL FUNDS

SIP helps you to set aside a fixed amount every month

for investments, thus contributing towards your

financial goal in life.

@15

%C

AG

R

MR. SAXENA

MR. GUPTA

INVESTMENT STARTING AGE 25 YEARS

MONTHLY INVESTMENT R 10,000/-

INVESTMENT TILL AGE 60YRS 35 YEARS

TOTAL AMOUNT INVESTED R 42 LACS

WEALTH AT AGE 60 YRS R 11.41 CRORES

45 YEARS

R 20,000/-

15 YEARS

R 36 LACS

R 1.23 CRORES

\ 11.41 CRORES

25 YEARS 60 YEARS45 YEARS

R 1.23 CRORES

GET ADVANTAGE OFPOWER OF COMPOUNDING

RIGHT ASSET CLASSEQUITY MARKET HAS OUTPERFORMED ALL OTHER INVESTMENT AVENUES

Growth in Different Asset Classes from March 1981 to March 2016Source: Gold-Handbook of Statistics on Indian Economy, RBI. Silver - Handbook of Statistics on Indian Economy, RBI. Sensex - www.bseindia.comCo Deposits - assumed (1% higher than Bank FD Rate). Bank Deposits - Handbook of Statistics on Indian Economy, RBI. Inflation(WPI) - Handbook of Statistics on Indian Economy, RBI

15.0

9.88.0

1.5

8.4 8.8

1.9 2.3

6.4

INFLATION GOLD SILVER BANK DEPOSITS CO. DEPOSITS SENSEX

3.2

8.1

18

16

14

12

10

8

6

4

2

0

-2

Actual Gain Real Gain R 1,16,402

SENSEX

R 8,197

R 15,434 R 13,777R 17,712

R 24,174

INFLATION GOLD SILVER CO. DEPOSITS BANK DEPOSITS

130000

90000

70000

50000

30000

10000

0

Growth of R 1,000 in Di�erent Asset Classes

Disclaimer: The above figures/projections are for illustrative purpose only. The situations/results may or may not materialise in future. Please take proper professional advise before making any financial decisions based on above illustrations. Investments in Mutual Funds are subject to market risks. Past performance may or may not be repeated in future. Please read the Offer Document carefully before investing in any scheme. Any reproduction, copying and republishing of any contents including Images/Logos used in this booklet are strictly prohibited and shall attract legal action.

START SAVING FOR YOUR FUTURE WITH MUTUAL FUND

SIP TODAY

“Anyone who is not investing now is missing a tremendous opportunity.” - Carlos Slim

Sensex 21000January 2008

Sensex 28000September 2016

Sensex 9000February 2009

Sensex 15000January 2012

20.50%

AN EVERGREEN INVESTMENT MANTRA

SYSTEMATIC INVESTMENT PLAN IN EQUITY MUTUAL FUND

SIP From January 2008 to September 2016Monthly SIP Amount Total Amount Invested Current Value

R 5,000R 10,000

R 5,25,000R 10,50,000

R 13,33,520R 26,67,040

*Average SIP Return of Top 50 MF Equity Schemes as on 30th Sept, 2016


Do you know what your child will become and at what expense?

Mutual fund investments are subject to market risks. Read all scheme related documents carefully.

RAISING A CHILDHOW MUCH AND WHATWILL YOU SPEND IN

Future requirement is huge, the question is how to handle...

R52.26*lacs

of the total expenseon healthcare is incurred in the first three years of the child’s life.50%

the total healthcare cost is what parents spend on a child’s entertainment. This is mostly due to the high cost of gadgets, such as mobile phones, that children consider essential.3times

*con

ditio

ns a

pply

has been the rise in inflation in primary and secondary education from 2005 to 2011, according to a survey by Assocham.

169%

7.2% -R 3.76 lacs

Entertainment

3.55% -R 1.85 lacs

Miscellaneous

18.61% -R 9.73 lacs

Housing

10.3% -R 5.38 lacs

Food8.23% -

R 4.30 lacs Clothing

3.04% -R 1.58 lacsHealthcare

49.07% - R 25.66 lacsEducation

Bas ItnaHi Chahiye!!!Bas Itna

Hi Chahiye!!!

For MyEducation

SMALL INVESTMENT TO FULFILL OUR FINANCIAL GOALS...

For MyRetirement

R10,000/- P.M.

R5,000/-P.M.R5,000/- P.M.For MyEducation

R10,000/-P.M.For My Kids Marriage

SIP helps you to set aside a f ixed amount every month for investments, thus contributing towards your f inancial goals. Through SIP you can start with smaller amount on a monthly basis and create wealth over a long term for any f inancial goals in life.

SYSTEMATIC INVESTMENT PLAN IN EQUITY MUTUAL FUNDS

AN APPROPRIATE INVESTMENT PLAN FOR YOUR FINANCIAL GOALS...

It is sensible to save money for family’s financial goals and keep them financially secure. The negative effects of inflation will hardly leave us with anything in the end if we choose to save money in bank deposits or any other saving instruments that offers very less returns*, while an investment with good returns will keep us financially secure. By investing our savings, in the right asset class for long term, we can ensure financial security for the future of our Family.

15%

R25,000/-p.m.

R1.43Crores

8%CAGR

R3.32Crores

15%CAGR

R2.30Crores

CAGR

12%

20yrsReturn

Investment Amount R60 lacs

15%

R10,000/-p.m.

R57.26lacs

8%CAGR

R1.32Crores

15%CAGR

R91.98lacs

CAGR

12%

20yrsReturn


R5,000/-p.m.

R28.63lacs

8%CAGR

R66.35lacs

15%CAGR

R45.99lacs

CAGR

12%

20yrsReturn


Each Drop of Water is essential to make a Mighty Ocean. Every Rupee Saved is a Rupee Earned to Secure the Future.

BENEFITS OF SIPImparts �nancial discipline to life

Invest irrespective of marketconditions

Cost averaging helps neutralisemarket volatility

Get bene�t of “Power of Compounding”

Disclaimer: The figures/projections are for illustrative purpose only. The situations/results may or may not materialise in future. Investments in Mutual Funds are subject to market risks. Past performance may or may not be repeated in future. Please read the offer document carefully before investing in any scheme.

PaisaBachaana Chahte ho ki

Badhaana?Dono

Investment limit u/s 80C of Income Tax Act now increased to R1,50,000/-

EQUITY LINKED SAVING SCHEME IN MUTUAL FUNDS

ELSSEQUITY LINKED SAVING

SCHEME IN MUTUAL FUNDS

Disclaimer: The above figures/projections are for illustrative purpose only. The situations/results may or may not materialise in future. For Tax provisions mentioned, please consult your Tax Advisor for details. Investments in Mutual Funds are subject to market risks. Past performance may or may not be repeated in future. Please read the Offer Document carefully before investing in any scheme.

*Amount in s - based on Tax Slab for FY 2015-16- Assuming an investment of s 1,50,000 in ELSS in this Financial Year*Please see the income tax rules for details.

LEAST LOCK-IN

PERIOD OF 3 YEARS

TAX FREE LONG-TERM

CAPITAL GAINS

TAX FREE DIVIDENDSELSS EQUITY LINKED SAVING SCHEME IN MUTUAL FUNDS

MARCH 2001 - MARCH 2016

EQUITY RETURNS

Total Investment of R24 lacs Worth Today

Croresx1.32x1.32**

INVESTED R1.5 LACS pa.

PAISA BADHAAO

*At 20% return as on 31st March, 2016 Average of 8 ELSS funds

Effective way of saving taxes through (ELSS)YOUR EARNING TAX WITH ELSS YOU SAVE

s5,00,000 s10,300 s15,450

s7,50,000 s46,350 s30,900

s10,00,000 s97,850 s30,900

s12,50,000

TAX WITHOUT ELSS

s25,750

s77,250

s1,28,750

s2,06,000 s1,59,650 s46,350

R46,350/-TAX SAVING u/s 80C

*For F.Y. 2015-16 for a resident individual in highest tax bracket.

INVEST UPTO R1.5 LACS & SAVE

PAISA BACHAAO

SMART WAY TO SAVE TAX & CREATE WEALTH

Lets see the impact of STOPPING the SIP...

SYSTEMATIC INVESTMENT PLANIN EQUITY MUTUAL FUNDS

SIP

to achieve our goals & dreams in life...START SIPWE

With believe of getting good returns and achieving our goals and dreams...CONTINUEWE SIP

Due to our sentiments and unforced adviceswithout realising its e�ect on our goals and dreams.

STOPWE SIP

R11,60,700/-R11,60,700/-Let’s see how?

You have lost...

SIP OF R10,000/- STARTED IN SEPT. 2008

^ It is assumed that value of stopped SIP grows @ 8% CAGR from August-13 to October-16.*Avg SIP Return of 105 equity funds

SIP TENURE60 MONTHS

AVG SIP RETURN*6.30%

AMOUNT INVESTEDR 6,00,000/-

RETURN VALUE^

R 7,03,700/-

SIP TENURE98 MONTHS

AMOUNT INVESTEDR 9,80,000/-

SIP STOPPED INAUGUST 2013

SIP STILLCONTINUE TILL

OCTOBER 2016...

AVG SIP RETURN*

17.64%

RETURN VALUER20,58,900/-

A successful investor has a good knowledge base, a well-defined investment plan, and nerves of steel to stick with it. - Andrew Clarke

Disclaimer: The figures/projections are for illustrative purpose only. The situations/results may or may not materialise in future. Please take proper professional advise before making any financial decisions based on above illustrations. Investments in Mutual Funds are subject to market risks. Past performance may or may not be repeated in future. Please read the offer document carefully before investing in any scheme. Any reproduction, copying and republishing of any contents including Images/Logos used in this flyer are strictly prohibited and shall attract legal action.

At the age of 60 years you want to be...

RE-TIRED RETIREDOR

RETIREMENT...BE READY FOR

LET’S DETERMINE HOW YOU CAN REACH YOUR DESIRED RETIREMENT

KITTY COMFORTABLY...You will discover that retirement is the doorway to a new stage of your life, one where you control your time and your activities. Want to go to an afternoon movie in the middle of the week? You can do it!

Want to spend a couple of days watching cricket tournament? You've got the time! Want to learn to play the piano or travel abroad...

GO RIGHT AHEAD.

START EARLY+

INVEST IN RIGHT ASSET CLASS+

SAVE REGULARLY=

PEACEFUL RETIREMENT LIFE

SIMPLE, SMART & TIME TESTEDFORMULA TO ACHIEVE GOALS

ASSUMPTIONSCurrent Age

25Monthly Income

R 25,000/-Monthly

House Hold ExpensesR20,000/-

Income Growth10%

In�ation Rate7%

Rate of Return15%

Saving for Retirement7%

(Of Monthly Income)

Mr. Girish

ASSUMPTIONSRetirement Age

61Life Expectancy

85Monthly Income

NILIn�ation Rate

7%Monthly

House Hold ExpensesR 2,13,531/-

In the above example assuming Girish gets post retirement return of 8-9%, he requires retirement kitty of R 5 to 5.5 Cr. aprox.

(WITH RETURNS)

R 22,670/-

YEAR-END TOTAL SAVINGS FOR

RETIREMENT KITTY

MONTHLYINVESTMENT

R 1,750/-

MONTHLYINCOME

R 25,000/-

Mr. GirishAGE 25

(WITH RETURNS)

R 8,15,785/-


RETIREMENT KITTY

MONTHLYINVESTMENT

R 4,539/-

MONTHLYINCOME

R 64,844/-

Mr. GirishAGE 35

(WITH RETURNS)

R 21,59,368/-


RETIREMENT KITTY

MONTHLYINVESTMENT

R 7,310/-

MONTHLYINCOME

R 1,04,431/-

Mr. GirishAGE 40

(WITH RETURNS)

R 1,17,60,481/-


RETIREMENT KITTY

MONTHLYINVESTMENT

R 18,961/-

MONTHLYINCOME

R 2,70,868/-

Mr. GirishAGE 50

(WITH RETURNS)

R 5,54,22,823/-


RETIREMENT KITTY

MONTHLYINVESTMENT

R 49,179/-

MONTHLYINCOME

R 7,02,561/-

Mr. GirishAGE 60

KEEP YOUR RETIREMENT KITTY ON TRACK...

Disclaimer: Mutual Funds investments are subject to market risks. Investor are advice to read the offer documents and other risk factors carefully before investing in any scheme. Past performance may or may not be repeated in future.

MUTUAL FUNDS PROVIDE VARIOUS OPTIONS FORINVESTMENT DEPENDING UPON YOUR RISK PROFILE

EQUITYFUND

BALANCEDFUND

DEBTFUND

TO GROW YOUR MONEY

Disclaimer: The figures/projections are for illustrative purpose only. The situations/results may or may not materialise in future. Investments in Mutual Funds are subject to market risks. Past performance may or may not be repeated in future. Please read the offer document carefully before investing in any scheme.

Risk profiling is the process of finding the optimal level of investment risk considering the risk required, risk capacity and risk tolerance, where,Risk required is the risk associated with the return required to achieve the client’s goals from the financial resources available,Risk capacity is the level of financial risk the client can afford to take, andRisk tolerance is the level of risk the client is comfortable with.

*Average returns as on 30th September, 2016 of 27 Debt Funds

9.26% RETURNS IN LAST 5 YRSDEBTFUND

*Average returns as on 30th September, 2016 of 33 Mutual Funds

23.80% RETURNS IN LAST 15 YRSEQUITYFUND

*Average returns as on 30th September, 2016 of 12 Balanced Funds

19.15% RETURNS IN LAST 15 YRSBALANCEDFUND

INVEST WISELY

RISKREQUIRED

RISKPROFILE

RISKTOLERANCE

RISKCAPACITY

MUTUAL FUND IS THE RIGHT WAY TO

INVEST & GROW YOUR MONEY

WHAT IS BIGGER..?

THENWHYSTILL

INVESTIN FDs?

10 TO 11% (YIELD)

BONDSFIXED RETURN

7 TO 8% (YIELD)

FDsFIXED RETURN

APPLICATION FORM REQUIRED DEPOSIT CERTIFICATE ISSUED

CANNOT BE TRADED TDS APPLICABLE ON INTEREST PAYOUTS

INTEREST RATES IN THE RANGE OF 7 - 8% P.A.

NO FORM FILLING REQUIRED AVAILABLE IN DEMAT MODE

TRADED ON STOCK EXCHANGES NO TDS ON INTEREST PAYOUTS

INTEREST RATES IN THE RANGE OF 10 - 11% P. A.

Disclaimer: The bond yields shown above are calculated taking into account the current market prices and bond interest rates. The yields are dynamic in nature and subject to market changes. Fixed Deposit yields have been considered taking into account interest rates offered by SBI, BOB, BOI, HDFC Bank and ICICI Bank for a period of 5 to 10 years. Interest rates are subject to change at the discretion of banks. Past performance is not necessarily indicative of future results. Please read the bond prospectus carefully before investing.FIXED RETURN

Invesco India Contra Fund - Gr Kotak Select Focus Fund - GrMirae Asset India Opportunities Fund - GrMotilal Oswal MOSt Focused Multicap 35 Fund - GrSBI Magnum Multicap Fund - GrMARS Equity Portfolio (E100)NIFTY 500

1.291.652.582.512.612.131.34

1Month

3Months

6Months

12Months

4.974.284.035.362.854.302.24

15.6518.9817.4320.2316.1517.6813.74

15.0116.4616.1718.5717.5216.0311.01

Since Inception

28.2826.4725.08

NA27.9426.8217.18

EQUITY SCHEMES PERFORMANCE

DSP BlackRock Money Manager Fund GrKotak Equity Arbitrage Fund - DivReliance Arbitrage Advantage Fund - DivBNP Paribas Short Term Income Fund - GrTATA Short Term Bond Fund Regular Plan - Gr

0.500.460.490.740.62

1.781.741.722.402.15

3.803.453.435.094.72

7.506.546.358.928.59

8.187.837.609.189.40

1Month

3Months

6Months

12Months

Since Inception

Performance as on 28 Oct 16, Inception Date 16 Dec 13Returns for one year or less period are on an absolute basis and for more than a year period are on CAGR basis Dividends are assumed to be reinvested. Past Performance may or may not sustain in the future.Performance for 1 month is between 30 Sep 2016 and 28 Oct 2016

DEBT SCHEMES* PERFORMANCE

PORTFOLIO PERFORMANCE

MUTUAL FUND AUTOMATED PORTFOLIO REBALANCING SYSTEM

MARSMARS

Give WINGS to yourInvestments...

Every investor while investing wishes to maximise his returns while minimising his risk.

MARS (Mutual Fund Automated Portfolio Rebalancing System) tries to overcome these issues for investors whereby they can manage their asset allocation and invest in better performing schemes by the click of a mouse and maximise their returns. As the process is system driven and operationally smooth, it also helps weed out behavioural biases. MARS gives a wide array of portfolios to choose from to the investor based on his risk appetite and periodically triggers portfolio rebalancing based on deviations from the asset allocation of the model portfolio resulting in superior returns to the investor over a period of time.

Disclaimer: Mutual Fund investments are subject to market risks. Investors are advised to read the o�er documents/scheme related documents and other risk factors carefully before investing in any scheme. The past performance of a scheme is not indicative of its future performance. Investors are advised to take advice of experts before making any investment decisions.

GO MOBILE.GO DIGITAL.

GO PAPERLESS.

OLD NEWNOW MANAGE YOUR WEALTH THROUGH MOBILE

PRESENTINGNJ E-Wealth account is a comprehensive platform where you can view your entire wealth at a single place, be it in Mutual Funds, Direct Equity, ETFs, IPOs, Bonds together with their current valuation. Not only that you can also transact from anywhere in the world in all these products and buy, sell or switch your investments in any product simply through your computer or smart phone.*Source: http://brandequity.economictimes.indiatimes.com/news/digital/smartphone-users-spend-169-mins-per-day-on-their-devices-vserv/48285161

SMART-PHONE USERS IN INDIA, ON AN AVERAGE,SPEND 169 MINS PER DAY* ON THEIR MOBILE.

GO PAPERLESS. GO DIGITAL.

EASY PROCESS OF TRANSMISION

Shortest Transmission Process

AUTO TRANSACTION ALERTS

SMS/Email alerts for transaction done

CONVENIENT & SECURED PAYMENT OPTIONS

Debit CardNet BankingRTGS / NEFTAuto Debit / ACHCheques

INNOVATIVE TRANSACTIONS

Inter AMC Switch/STPMutual Fund Automated Rebalancing System (MARS)SIP in Equity Shares

COMPREHENSIVE REPORTS

Transaction reportValuation reportProfit & Loss report

SINGLE CONTACT POINT FOR ANYMODIFICATION/CHANGES

One time registration for all changes

CENTRALISED CUSTOMER CARE

All query solutions at single pointCall 1800 200 0155

NJ E-Wealth Account Facilities

Transactions

Buy

Sell/Redeem

SIP

SWP

SIP in Equity Shares

Inter AMC Switch

NJ MARS

Inter AMC STP

MF

YES

YES

YES

YES

NA

YES

YES

YES

IPO

YES

YES

NA

NA

NA

NA

NA

NA

Capital Market

YES

YES

YES

NA

YES

NA

NA

NA

ETF

YES

YES

YES

NA

YES

NA

NA

NA

NJ E-Wealth Account Features

EASY & MULTIPLE MODES OF TRANSACTIONS

ONLINE MOBILE APP OFFLINE* ON PHONE* (CALL)0261 - 3987500

*Terms & conditions applicable.

E-WEALTH AC

Download Mobile Application

APPLE(App Store)

BLACKBERRY(App World)

ANROID(Play Store)

PURCHASE - SWITCH - SIP - SWP - STP - REDEMPTION

DO YOU KNOW IT TAKES LESS THAN 2 MINUTESTO DO A MUTUAL FUND TRANSACTION?

ROLE OF A WEALTH PLANNERIN YOUR LIFE...

Disclaimer: All data/information mentioned in this publication is taken from various sources and are approximate in nature and we do not take any responsibility or liability and neither guarantee its accuracy or adequacy or its realisation. Mutual Fund Investments are subject to market risks. Investors are advised to read the Offer Documents & Other Risk Factors carefully before investing in any scheme. Past performance may or may not be repeated in future. Any reproduction, copying & republishing of any contents including Images/Logos used in this booklet are strictly prohibited and shall attract legal action. Any reproduction, copying and republishing of any contents including Images/Logos used in this booklet are strictly prohibited and shall attract legal action.

The role of a WEALTH PLANNER is to look at all aspects of your lifestyle, goals andrequirements and develop a financial strategy that will suitable for you. The recommended strategywill help to achieve your goals effectively and efficiently. WEALTH PLANNER concentrates on the

task of providing “sound strategic” and “technical advice” on an ongoing basis. As a professional WEALTH PLANNER, we regularly review your financial strategy with you to ensure that

all such changes are incorporated. As a WEALTH PLANNER we ensure that your financialstrategy is always consistent with your goals and WEALTH CREATION.