#3
Steps to Wealth Creation
I face these challenges
Lack of Knowledge
Market is too volatile
Too Many Products
Less Time to react to news
Hidden Charges
Too much Information
So What Should I do
?
# 1 Step
Start Early Check for yourself – Lets take an example of Mr Gaurav. How much wealth would he create in case he starts investing at different Age points for his retirement fund Let us assume • Monthly Investment of Rs 5,000 • Retirement Age - 60 years Expected Returns
Starting Age ( Investment till Age 60)
8%
10%
12%
25 Years
115 Lac Rs.
191 Lac Rs.
324 Lac Rs.
30 Years
70 Lac Rs.
113 Lac Rs.
176 Lac Rs.
35 Years
47 Lac Rs.
66 Lac Rs.
94 Lac Rs.
40 Years
29 Lac Rs.
38 Lac Rs.
49 Lac Rs.
If Mr. Gaurav starts investing at the age of 25, he can save for the next 35 years for his retirement and save a corpus of 1 crore 15 lac (115 lac) if his investments give a returns of 8% per annum
# 2 Step
Have Equity in Portfolio Last 5 Year Returns 35.0% 30.0%
Equities
Return
always
give
Best
in the long run.
Sensex has delivered 11.9% CAGR return* in past 5 year
32.5% 27.4% 24.6%
25.0% 18.7%
20.0% 15.0% 10.0%
9.0%
9.5% 8.6%
9.5% 6.0%
7.8%
8.5%
8.8%
9.0%
8.7%
8.5%
8.7%
4.8%
5.0% 0.0% -5.0%
-3.7%
-10.0% -10.1%
-10.4%
-15.0% Mar-11 Sensex * Return as on 26 June 2015. Source AdviseSure Research
Mar-12 Gold
FD
Mar-13 PPF
Mar-14
Mar-15
# 3 Step
Don’t Time the Market 30,000
As seen from the graph, Rs 100 monthly SIP invested in PRU ICICI growth Fund becomes Rs 24,000 in 7 years time against Sensex returns
of Rs. 14,000
Monthly SIP of Rs.100 25,000
Investment Value (in Rs.)
It is not always possible to time the market.
Rs 24,209
20,000
Rs 14,373
15,000
10,000
Rs 8,400
5,000
Apr-08
Apr-09
Apr-10
ICICI Pru growth * Return as on 26 June 2015. Source AdviseSure Research
Apr-11
Sensex
Source: AdviseSure Research
Apr-12
Apr-13
Apr-14
Amount invested
We Offer Advisory Fees Rs. 365 Per Annum Customized advise only for you Regular Review and Rebalancing Unlimited Long Term Investment Advise Tax efficient portfolio design No Minimum investment Substantial Savings in Commission ( Optional)
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@Rs. 1 per day
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