Sie sind auf Seite 1von 4

sms HDFCMF to 6767

How many benefits can a


Systematic Investment Plan have?
(Count them and see)
HDFC MF Systematic Investment Plan (SIP) is similar to a Recurring Deposit. Every month an amount you choose is invested in a
mutual fund scheme of your choice. Youll be amazed to learn about the many benefits of investing through HDFC MF SIP.

Benefit 1

Benefit 3

BECOME A DISCIPLINED INVESTOR

TAKE ADVANTAGE OF RUPEE COST AVERAGING

Being disciplined - Its the key to investing success. With the


HDFC MF Systematic Investment Plan you commit an amount of
your choice (minimum of Rs. 1000 and in multiples of Rs. 100
thereof*) to be invested every month in one of our schemes.
Think of each SIP payment as laying a brick. One by one, youll
see them transform into a building. Youll see your investments
accrue month after month. Its as simple as giving at least 6 postdated monthly cheques to us for a fixed amount in a scheme of
your choice. Its the perfect solution for irregular investors.
*Minimum amounts may differ for each Scheme. Please refer to SIP Enrolment Form
for details.

Most investors want to buy stocks when the prices are low and
sell them when prices are high. But timing the market is timeconsuming and risky. A more successful investment strategy is to
adopt the method called Rupee Cost Averaging. To illustrate this
well compare investing the identical amounts through a SIP and
in one lump sum.
Imagine Suresh invests Rs. 1000 every month in an equity mutual
fund scheme starting in January. His friend, Rajesh, invests
Rs. 12000 in one lump sum in the same scheme. The following
table illustrate how their respective investments would have
performed from Jan to Dec:
Sureshs Investment Rajeshs Investment

Benefit 2

Month

NAV*
(Rs.)

Amount
(Rs.)

Units

Amount
(Rs.)

Units

Jan-04

9.345

1000

107.0091

12000

1284.1091

Feb-04

9.399

1000

106.3943

Mar-04

8.123

1000

123.1072

Apr-04

8.750

1000

114.2857

12000

1284.1091

REACH YOUR FINANCIAL GOALS


Imagine you want to buy a car a year from now, but you dont
know where the down-payment will come from. HDFC MF SIP is a
perfect tool for people who have a specific, future financial
requirement. By investing an amount of your choice every month,
you can plan for and meet financial goals, like funds for a childs
education, a marriage in the family or a comfortable postretirement life. The table below illustrates how a little every month
can go a long way.

May-04

8.012

1000

124.8128

Jun-04

8.925

1000

112.0448

Monthly Savings - What your savings may generate

Jul-04

9.102

1000

109.8660

Aug-04

8.310

1000

120.3369

Sep-04

7.568

1000

132.1353

Oct-04

6.462

1000

154.7509

Nov-04

6.931

1000

144.2793

Dec-04

7.600

1000

131.5789

12000

1480.6012

Savings
Total amount
per month
invested
(for 15 years) (Rs. in Lacs)

Rate of return
6.0%
8.0%
10.0%
(rupees in lacs, 15 years later)*

5000

9.0

14.6

17.4

20.9

4000

7.2

11.7

13.9

16.7

3000

5.4

8.8

10.4

12.5

2000

3.6

5.8

7.0

8.3

1000

1.8

2.9

3.5

4.2

*Monthly instalments, compounded monthly, for a 15-year period.


Disclaimer: The illustration above is merely indicative in nature and should not be
construed as investment advice. It does not in any manner imply or suggest
performance of any HDFC Mutual Fund Scheme(s). Please read Risk Factors.

Total

*NAV as on the 10th every month. These are assumed NAVs in a volatile market.
Disclaimer: The illustration above is merely indicative in nature and should not be
construed as investment advice. It does not in any manner imply or suggest
performance of any HDFC Mutual Fund Scheme(s). Rupee Cost Averaging neither
ensures you profits nor protects you from making a loss in declining markets. Please
read Risk Factors.

SYSTEMATIC INVESTMENT PLAN

SYSTEMATIC INVESTMENT PLAN

10

9.399

RUPEES

5
4

With HDFC MF SIP, each amount you invest grows through


compounding benefits as well. That is, the interest earned on
your investment also earns interest. The following example
illustrates this.

6.462
When the price is highest,
you buy the least number of units

6
106.3943
units

154.7509
units

Imagine Neha is 20 years old when she starts working. Every


month she saves and invests Rs. 5,000 till she is 25 years old.
The total investment made by her over 5 years is Rs. 3 lakhs.

3
2
Jan- Feb- Mar- Apr- May- Jun- Jul- Aug- Sep- Oct- Nov- Dec04 04 04 04 04 04 04 04 04 04 04 04
When the price is lowest,
you buy the highest
number of units

At the end of the 12 months, Suresh has more units than Rajesh,
even though they invested the same amount. Thats because the
average cost of Sureshs units is much lower than that of Rajesh.
Rajesh made only one investment and that too when the per-unit
price was high.
Sureshs average unit price = 12000/1480.6012 = Rs. 8.105
Rajeshs average unit price = Rs. 9.345

10

RUPEES

Both of them decide not to withdraw these investments till they


turn 50. At 50, Nehas Investments have grown to Rs. 46,68,273*
whereas Arjuns investments have grown to Rs. 36,17,084*.
Nehas small contributions to a SIP and her decision to start
investing earlier than Arjun have made her wealthier by over
Rs. 10 lakhs.
*Figures based on 10% p.a. interest compounded monthly.
Disclaimer: The illustration above is merely indicative in nature and should not be
construed as investment advice. It does not in any manner imply or suggest
performance of any HDFC Mutual Fund Scheme(s). Please read Risk Factors.

DO ALL THIS EFFORTLESSLY

Actual Price
Movement

Arjun also starts working when he is 20 years old. But he doesnt


invest monthly. He gets a large bonus of Rs. 3 lakhs at 25 and
decides to invest the entire amount.

Benefit 5

Rajeshs
Average Cost Price

GROW YOUR INVESTMENT WITH COMPOUNDED


BENEFITS
It is far better to invest a small amount of money regularly, rather
than save up to make one large investment. This is because while
you are saving the lump sum, your savings may not earn much
interest.

9
7

Benefit 4

Sureshs
Average
Cost Price

4
Jan- Feb- Mar- Apr- May- Jun- Jul- Aug- Sep- Oct- Nov- Dec04 04 04 04 04 04 04 04 04 04 04 04

Investing with HDFC MF SIP is easy. Simply give us post-dated


cheques for an amount of your choice (minimum of
Rs. 1000 and in multiples of Rs. 100 thereof*) and well invest the
money every month in a fund of your choice. The plans are
completely flexible. You can invest for a minimum of six months,
or for as long as you want. You can also decide to invest quarterly
and will need to invest for a minimum of two quarters.
All you have to do after that is sit back and watch your
investments accumulate. Please refer to the SIP Enrolment
Form for terms and conditions before enrolment.
*Minimum amounts may differ for each Scheme.

SYSTEMATIC INVESTMENT PLAN

As seen in the table, by investing through SIP, you end up buying


more units when the price is low and fewer units when the price is
high. However, over a period of time these market fluctuations are
generally averaged. And the average cost of your investment is
often reduced.

To illustrate the advantages of SIP Investments, this is how your investments would have grown if you had invested say Rs. 1,000
systematically in the following schemes, on the first Business Day of Every Month over a period of time.
HDFC Equity Fund

HDFC Growth Fund


SIP Investments

SIP Investments

Since
Inception

5 Year
SIP

3 Year
SIP

1 Year
SIP

Total Amount
Invested (Rs.000)

68.00

60.00

36.00

12.00

Total Amount
Invested (Rs.000)

Market Value as on
Apr 28, 06 (Rs.000)

251.44

213.76

81.25

17.07

Market Value as on
Apr 28, 06 (Rs.000)

Returns
(Annualised)*%

47.50

53.55

61.12

88.57

Benchmark Returns
(Annualised)#%

35.95

40.53

53.51

89.75

Since
Inception

10 Year
SIP

5 Year
SIP

3 Year
SIP

1 Year
SIP

136.00

120.00

60.00

36.00

12.00

1,341.50

1,084.59

246.98

86.79

17.31

Returns
(Annualised)*%

37.17%

41.40%

60.22%

66.84%

93.19%

Benchmark Returns
(Annualised)*%

20.64%

23.28%

44.16%

51.97%

76.61%

Past Performance may or may not be sustained in the future.

Past Performance may or may not be sustained in the future.

S&P CNX 500

SENSEX

HDFC Capital Builder Fund

HDFC Top 200 Fund


SIP Investments

Since
Inception

5 Year
SIP

3 Year
SIP

1 Year
SIP

SIP Investments

Since
Inception

10 Year
SIP

5 Year
SIP

3 Year
SIP

1 Year
SIP

Total Amount
Invested (Rs.000)

115.00

60.00

36.00

12.00

Total Amount
Invested (Rs.000)

147.00

120.00

60.00

36.00

12.00

Market Value as on
Apr 28, 06 (Rs.000)

691.26

242.56

85.09

17.30

Market Value as on
Apr 28, 06 (Rs.000)

879.06

695.44

246.30

91.78

16.94

Returns
(Annualised)*%

35.44

59.38

65.11

93.09

Returns
(Annualised)*%

26.73

33.06

60.09

71.80%

86.21

Benchmark Returns
(Annualised)*%

23.65

42.58

50.69

80.04

Benchmark Returns
(Annualised)*%

18.78

23.28

44.16

51.97

76.61

Past Performance may or may not be sustained in the future.

Past Performance may or may not be sustained in the future.

BSE 200

HDFC Long Term Advantage Fund


SIP Investments

Since
Inception

Total Amount
Invested (Rs.000)

64.00

Market Value as on
Apr 28, 06 (Rs.000)

316.09

Returns
(Annualised)*%

63.45

Benchmark Returns
(Annualised)#%

38.41

5 Year
SIP
60.00
280.41
66.20
41.15

S&P CNX 500

HDFC TaxSaver
3 Year
SIP
36.00
90.37
70.42
53.51

1 Year
SIP

SIP Investments

12.00

Total Amount
Invested (Rs.000)

16.27

Market Value as on
Apr 28, 06 (Rs.000)

73.55

Returns
(Annualised)*%

89.75

Benchmark Returns
(Annualised)#%

Since
Inception

5 Year
SIP

3 Year
SIP

118.00

60.00

36.00

12.00

1,592.87

302.29

108.29

17.82

50.07

69.80

87.02

103.03

23.68

44.16

51.97

76.61

Past Performance may or may not be sustained in the future.

Past Performance may or may not be sustained in the future.

SENSEX

S&P CNX 500

HDFC Balanced Fund


SIP Investments

Since
Inception

Total Amount
Invested (Rs.000)
Market Value as on
Apr 28, 06 (Rs.000)
Returns
(Annualised)*%
Benchmark Returns
(Annualised)#%

HDFC Prudence Fund


5 Year
SIP

3 Year
SIP

1 Year
SIP

1 Year
SIP

147.00

120.00

60.00

36.00

12.00

704.02

181.27

69.10

15.12

132.06

60.21

15.00

Market Value as on
Apr 28, 06 (Rs.000)

980.52

156.03

32.82

46.12

47.60

52.65

32.30

36.66

50.46

Returns
(Annualised)*%

28.31

29.58

N.A.

N.A.

29.48

45.71

N.A.

29.48

45.71

Benchmark Returns
(Annualised)*%

N.A.

N.A.

Past Performance may or may not be sustained in the future.


#
CRISIL Balanced Fund Index

62.00
87.44
13.31
N.A.

5 Year
SIP
60.00
83.57
13.26
N.A.

3 Year
SIP
36.00
43.25
12.37
29.48

HDFC Children's Gift Fund Investment Plan


1 Year
SIP

SIP Investments

12.00

Total Amount
Invested (Rs.000)

12.60

Market Value as on
Apr 28, 06 (Rs.000)

9.60
45.71

Since
Inception

Returns
(Annualised)*%
Benchmark Returns
(Annualised)#%

5 Year
SIP

1 Year
SIP

60.00

36.00

12.00

133.14

126.77

58.38

14.27

30.12

30.56

34.28

37.72

N.A.

N.A.

29.48

45.71

Past Performance may or may not be sustained in the future.

CRISIL Balanced Fund Index

3 Year
SIP

62.00

Past Performance may or may not be sustained in the future.


CRISIL Balanced Fund Index

3 Year
SIP

Total Amount
Invested (Rs.000)

Since
Inception

Benchmark Returns
(Annualised)#%

5 Year
SIP

12.00

HDFC Children's Gift Fund Savings Plan

Returns
(Annualised)*%

10 Year
SIP

36.00

CRISIL Balanced Fund Index

Market Value as on
Apr 28, 06 (Rs.000)

Since
Inception

60.00

Past Performance may or may not be sustained in the future.

Total Amount
Invested (Rs.000)

SIP Investments

68.00

SIP Investments

1 Year
SIP

SYSTEMATIC INVESTMENT PLAN

THE PROOF OF THE PUDDING

HDFC Index Fund - Sensex Plus Plan


Since
Inception

Total Amount
Invested (Rs.000)

46.00

Market Value as on
Apr 28, 06 (Rs.000)

115.07

Returns
(Annualised)*%

51.82

Benchmark Returns
(Annualised)#%

54.50

3 Year
SIP

HDFC Index Fund Sensex Plan


1 Year
SIP

36.00
75.35
54.73
58.12

SIP Investments

12.00

Total Amount
Invested (Rs.000)

16.95

Market Value as on
Apr 28, 06 (Rs.000)

86.28

Returns
(Annualised)*%

94.53

Benchmark Returns
(Annualised)#%

Since
Inception

3 Year
SIP

46.00

36.00

12.00

106.33

71.59

16.92

46.94

50.48

85.75

54.50

58.12

94.53

Past Performance may or may not be sustained in the future.

Past Performance may or may not be sustained in the future.

SENSEX (Total Returns Index)

1 Year
SIP

SENSEX (Total Returns Index)

HDFC Index Fund - Nifty Plan


SIP Investments
Total Amount
Invested (Rs.000)
Market Value as on
Apr 28, 06 (Rs.000)

Since
Inception

3 Year
SIP

1 Year
SIP

46.00

36.00

12.00

102.62

68.90

16.85

Returns
(Annualised)*%

44.77

47.36

83.12

Benchmark Returns
(Annualised)#%

48.65

55.60

85.97

Past Performance may or may not be sustained in the future.


S&P CNX Nifty (Total Returns Index)

*Load is not taken into consideration and the Returns are of Growth Plan. Investors are advised to refer to the Relative Performance table furnished in our monthly newsletter
IntouchMutually also available on our website - www.hdfcfund.com. Past Performance may or may not be sustained in the future. Please refer SIP enrolment form or
contact nearest ISC for SIP load structure.
Disclaimer: The above investment simulation is for illustrative purposes only and should not be construed as a promise on minimum returns and safeguard of capital.
The AMC/Mutual Fund is not guaranteeing or promising or forecasting any returns. SIP does not assure a profit or guarantee protection against a loss in a declining market.

HDFC Capital Builder Fund, HDFC Equity Fund and HDFC TaxSaver which are benchmarked to S&P CNX 500 Index and HDFC Index Fund-Nifty Plan which is
benchmarked to S&P CNX Nifty Index are not sponsored, endorsed, sold or promoted by India Index Services & Products Limited (IISL). IISL is not responsible for any
errors or omissions or the results obtained from the use of such index and in no event shall IISL have any liability to any party for any damages of whatsoever nature
(including lost profits) resulted to such party due to purchase or sale or otherwise of such product benchmarked to such index.
Risk Factors: All mutual funds and securities investments are subject to market risks and there can be no assurance that the scheme's objectives will be achieved and the
NAV of the schemes may go up or down depending upon the factors and forces affecting the securities market. Past performance of the Sponsors / AMC / Mutual Fund /
Scheme(s) and their affiliates do not indicate the future performance of the Scheme of the Mutual Fund. There is no assurance or guarantee to unit holders as to the rate of
dividend distribution nor that dividends will be paid regularly. Investors in the Scheme are not being offered any guaranteed / assured returns. The NAV of the units issued
under the scheme may be affected, inter-alia by changes in the interest rates, trading volumes, settlement periods, transfer procedures and performance of individual
securities. The NAV will inter-alia be exposed to Price / Interest Rate Risk and Credit Risk. HDFC Growth Fund (an open-ended growth scheme; the primary objective of
the scheme is to generate long term capital appreciation from a portfolio that is invested predominantly in equity and equity related instruments), HDFC Equity Fund (an
open ended growth scheme; the primary objective of the scheme is to achieve capital appreciation), HDFC Capital Builder Fund (an open ended growth scheme; the
primary objective of the scheme is to achieve capital appreciation in the long term), HDFC Index Fund (an open ended index linked scheme; this scheme has 3 plans viz Nifty Plan the primary objective of this Plan is to generate returns that are commensurate with the performance of the Nifty, subject to tracking error, Sensex Plan the
primary objective of this Plan is to generate returns that are commensurate with the performance of the SENSEX, subject to tracking error, and Sensex Plus Plan the
primary objective of this Plan is to invest 80 to 90% of the net assets of the Plan in companies whose securities are included in SENSEX and between 10% & 20% of the
net assets in companies whose securities are not included in the SENSEX), HDFC Children's Gift Fund (an open ended balanced scheme; the primary objective of both
the Plans under the Scheme is to generate long term capital appreciation), HDFC Balanced Fund (an open ended balanced scheme; the primary objective of the Scheme
is to generate capital appreciation along with current income from a combined portfolio of equity and equity related and debt and money market instruments), HDFC
Prudence Fund (an open ended balanced fund; the primary objective of the scheme is to provide periodic returns and capital appreciation over a long period of time from
a judicious mix of equity and debt instruments with an aim to prevent / minimise any capital erosion), HDFC Long Term Advantage Fund (an open ended equity linked
savings scheme with a lock in period of 3 years; the primary objective of the Scheme is to generate long term capital appreciation from a portfolio that is invested
predominantly in equity and equity related instruments), HDFC TaxSaver (an open ended equity linked savings scheme with a lock in period of 3 years; the primary
objective of the scheme is to achieve long term growth of capital), HDFC Top 200 Fund (an open ended growth scheme; the primary objective of the scheme is to
generate long term capital appreciation from a portfolio of equity and equity linked instruments primarily drawn from the companies in BSE 200 index) are only the names
of the Scheme(s) and do not in any manner indicate either the quality of the Scheme(s), its future prospects and returns. In view of the individual nature of tax
consequences, each investor is advised to consult his/her professional tax advisor. Please read the offer document(s) of the respective Scheme(s) before investing.
Statutory Details: HDFC Mutual Fund has been set up as a trust sponsored by Housing Development Finance Corporation Limited and Standard Life Investments Limited
(liability restricted to their contribution of Rs. 1 lakh each to the corpus) with HDFC Trustee Company Limited as the Trustee (Trustee under the Indian Trusts Act, 1882)
and with HDFC Asset Management Company Limited as the Investment Manager.
FOR MORE INFORMATION OR COPY OF THE OFFER DOCUMENT AND KEY INFORMATION MEMORANDUM ALONG WITH APPLICATION FORM PLEASE CONTACT ANY OF
OUR INVESTOR SERVICE CENTRES (ISCs) AT: WEST: MUMBAI 022-6631 6300, NAGPUR 0712-2554 395, 2522 691. NASHIK 0253-661 9356, 660 6000, PUNE 020-2552
1680/1681, AHMEDABAD 079-2640 3582/83/84, RAJKOT 0281-5524881/82, VADODARA 0265 5521110/20/30/40, SURAT 0261-246 0082/83, GOA 0832-242 5609/10,
INDORE 0731-4022 2241/4022 2242, BHOPAL 0755-528 5385, 527 3330, NORTH: DELHI 011-5152 2189, CHANDIGARH 0172-262 3397/262 4497, LUCKNOW 0522-220
7591/220 0163, 220 1103, LIDHIANA 0161-277 4321/501 4321, KANPUR 0512-2331 484 87, JAIPUR 0141-511 1125, 237 4968, JODHPUR - 0291-510 5919, 510 1927/37,
EAST: PATNA 0612-232 2047, KOLKATA 033-2242 7849/53/56/59, BHUBANESHWAR 0674-253 6566, 2531482/83, JAMSHEDPUR 0657-309 1826, SOUTH: CHENNAI
044-2841 5851/52, 2851 0599, BANGALORE 080-5112 5000, 2248 4826, HYDERABAD 040-23417401/05, KOCHI 0484-235 7707/08, 394 3058/59, 235 8462,
VISAKHAPATNAM 0891-276 9636, COIMBATORE 0422-222 2189, 222 2193, MANGALORE 0824-5269000.
Distributed by:

REGISTERED OFFICE: Ramon House, 3rd Floor, H.T. Parekh Marg, 169, Backbay Reclamation, Churchgate, Mumbai-400 020.
Tel.: 022-6631 6300 l Fax: 022-2282 1144.

SYSTEMATIC INVESTMENT PLAN

SIP Investments

Das könnte Ihnen auch gefallen