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UTI

Systematic
Investment
Plan…
An early & regular investment today,
leads to prosperous tomorrow
Content
ƒ The India Story
ƒ Booming Capital Market
ƒ Household Investment Patterns
ƒ Equity Investing
ƒ Individual’s Earning Lifecycle
ƒ Impact of Inflation
ƒ Introduction to the Systematic Investing
ƒ UTI Mutual Fund
ƒ UTI SIP
ƒ Benefits
The India Story

GDP Growth

Booming Capital
India Shining Infrastructure
Markets

India Inc.- Global


Demographics
Competitive
GDP Trends
Average GDP Growth Rates(%)

6.9
6.3
5.6

4.0
3.6
2.9

1.4

1951-60 1960-70 1970-80 1980-90 1991-92 1992-00 2000-07


Source: www.rbi.org.in

ƒ India has joined the elite club of 12 countries with a trillion dollar economy, thanks to
more than 8% growth in last four years
ƒ Per capita income stood at $797 in 2006/07, nearly double from $460 in 2000/01 thanks
to robust economic growth
Infrastructure
Projected Infrastructure Investment
Sectoral Share of Investment (% )
(in Rs. Crs)
Water
Ports Storage Airports
Supply &
573,004 4% 1% 2%
Sanitation
466,093 Irrigation 10% Gas
11% 1%
383,915
321,610
274,088
Railways
13%
Electricity
Telecommu
Roads & 30%
nication
13% Bridges
2007-08 2008-09 2009-10 2010-11 2011-12 15%

Source: www.infrastructure.gov.in

ƒ Story gets bigger and more attractive - Corporates, Pvt Equity ,Venture Funds, MFs,
Banks and or Retail investors are vying for a share of the Infrastructure Pie
ƒ Huge spending in Construction, Aviation , Road, Telecom and Power: key drivers for
infrastructure
ƒ Infrastructure spending has a multiplier effect (huge employment , consumption
growth)
India Inc. – Globally Competitive
ƒ India Inc reported its highest net profit in the last three years in 2006-07
ƒ (1,700 companies that declared their results till June reported a 47 percent
increase in net profit)
ƒ The overall balance of payments recorded a surplus of US$36.6 billion during
2006-07, as against US$15.1 billion in 2005-06
ƒ Forty-four percent of the top 100 Fortune 500 companies have a presence in
India
ƒ India has been ranked second in the Asia-Pacific region in outbound mergers
and acquisition deals during the first half of 2007, with outbound deals totaling
US$13.5 billion has the highest number of billionaires in Asia and the fourth
highest in the world
ƒ There are 36 billionaires in India, which makes it next only to the US, Russia
and Germany
Source: TOI Oct 07, NSW Business Chapter
The Booming Capital Market
BSE Sensex Movement
ƒ Longest bull run in history (since May 2003)

19,978
ƒ High, visible, sustainable economic & corporate
19051
profit growth
15,551 15,603

12,612 ƒ It took about 20 years for the Sensex to gain 10,000


points, but it needed hardly 20 months to add
5,934 6,194 another 10,000
4,467 4,617
ƒ Foreign Institutional Investors have brought in more
than $8 bn (Rs. 32K cr) between 18 Sep & 16 Oct ’07
April '92 Sept '94 Feb '00 Jan '04 May '06 Jul '07 Sep-07 16-Oct- 29-Oct-
07 07 ƒ During April-July this fiscal, $6.6 billion of FDI has
Source: www.bseindia.com
come into India against $3.7 billion in the same
period a year ago
Indices CAGR % over 5 Years
Dow Jones 12.80 ƒ In October alone, FIIs have pumped in nearly $8
FTSE (UK) 10.01 billion
Kospi (South Korea) 24.00 ƒ Its has almost doubled since 6 February 2007; but
Bovespa (Brazil) 43.70 this growth is low when compared to that of the
BSE Sensex 42.50 Chinese index, which gained more than 100% each in
2006 and (thus far in) 2007
Source: Business Standard 7 Oct 07
Household Investment Patterns
Household Investment Patterns 1990-91 Household Investment Patterns 2006-07
Other Shares &
Shares & Other Cash
21% Debentures
Debentures 5% 9%
PPF 6%
8% Cash
9%
11%

PPF
19%
Life
Life Insurance
Insurance Bank Bank
0.15
10% Deposits Deposits
31% 56%
Note:
• Other Includes deposits with co-op credit societies, small savings etc
• Shares & Debentures Include shares & debentures of credit/non credit societies, PSU Bonds & Investment in MFs
Source: www.rbi.org.in

ƒ Share of MFs in the Shares & Debentures segment is only 4.8%


ƒ Out of 321 million individual wage earners aged between 18 and 59, only 5.3 million
invest in mutual funds in India (1.6%) (www.livemint.com)
ƒ The survey also reveals that 90% of the savers have no clue about what a mutual fund
is, or how they can access the market through a systematic investment plan
Why Equity is a better option?
Comparative Returns vs. Inflation*
RoR Inflation*

Inflation Rate: 5.5% 38.8 40

10.0
8.0 8.0 8.0 7.5 7.2
3.5

Savings PPF PO MIS NSC PO Rec. Gold Bank BSE S&P


Bank Dep FD Sensex CNX
Nifty
* 1 year average inflation rates (Jul 2007) First Quarter Monetary Review - RBI
Individual’s Earning Lifecycle

Stage I Stage II Stage III


Child’s Marriage

Child’s Education

Housing

Child birth
Marriage

22 yrs 38 yrs 10- 20 yrs

Education Earning Years Post Retirement Years


Age - 22 yrs Age - 60 yrs
Earning Years - The Most
Challenging Phase
The Earning Years
ƒ Meet the current recurring expenses viz;
– Rent, Electricity, Telephone…etc.
– Child’s education / marriage
– Annual Holiday Tour
ƒ Build Capital Assets : House, Car....etc.
ƒ Make Provisions for Retirement, Medical expenses
Inflation eats into Savings
Your Rs. 100,000 today will be worth Rs. 20,000, 30 years later

100,000

76,513
Inflation Rate 5.5.%*
58,543

44,793

34,273
26,223
20,064

Year 1 Year 5 Year 10 Year 15 Year 20 Year 25 Year 30

* 1 year average inflation rates (Jul 2007) First Quarter Monetary Review - RBI
Though, it is critical, most of us don’t plan for
the future
Dreaming of Financial Freedom?
Start Early
• X starts investing at the age of 30 Early Investment, Always Pays
yrs
• He invests Rs. 1000 every month till
the age of 60 yrs
• Total Investment: Rs. 3.60 lacs
22.62

• Y starts investing at the age of 40


yrs 11.39
• He invests Rs. 1500 every month till
the age of 60 yrs
X Y
• Total Investment: Rs. 3.60 lacs
@ 10% assumed rate of growth

• At age 60, X’s investment would have appreciated to Rs. 22.62 L &
Y’s investment would have appreciated to Rs. 11.39 L
• X’s investment would have appreciated to almost double that of Y
Invest Regularly
Investing in the BSE Sensex
The returns from regular investment

have been compiled by an assumed


41%
5 Yr Period investment of Rs. 10,000 each month
39%
ƒ from Jul 2004 to Jun 2007 (for the 3-

42% yr period) and


3 Yr Period
44% ƒ from Jul 2002 to Jun 2007 (for the 5-

yr period)

One Time Investment Regular Investment

Source: MFIE
Past Performance may or may note be sustained in the future
Systematic Investing, Builds Future
ƒ A Systematic Investment Plan (SIP) is a disciplined approach to
wealth creation. It allows the investor to adopt a systematic and
dedicated approach to financial planning by inculcating a regular
savings habit.
ƒ Instead of investing a large amount at one time, the investor can
choose to stagger his investment at regular intervals according to
his convenience and ability
ƒ As individuals, our financial goals like obtaining income to meet day-
to-day financial needs, saving for child’s education, marriage or for a
comfortable retirement & a secure financial future can be met by
means of a regular SIP
Consider Mutual Funds
ƒ Total AuM: Rs. 549,942 crs (www.amfiindia.com, Dec 2007)
ƒ Number of MF Companies in India: 33
774.92
800

700
579.81
600 CAGR: 33.7%
AuM: Rs. '000 crores

500 433.83

400 324.60
300 230.92

200 149.25
134.75

100
0
2004 2005 2006 2007 2008 E 2009 E 2010 E
Systematic Investment Plan
ƒ 75% of the retail equity business comes through the SIP
route
ƒ In 2005, two years ago the industry was adding about
10,000 SIPs a month, today the number is 10 times higher
ƒ SIP inflows are estimated over Rs. 400 Cr a month
ƒ It's not just the salaried class that's investing, small
corporates and SMEs, are also signing up for SIPs

*Source: www.mutualfundsindia.com
UTI Mutual Fund
ƒ First Mutual Fund company in India
ƒ One of the largest Mutual Funds in the country
ƒ Assets under Management: Rs. 56,854 Crs.
(Dec ’07 – www.amfiindia.com)
60
56.85

50
ed AuM 45.00
ea s
Incr
40 39.03
35.49
Rs. in '000 Cr

30 29.52

20.62 20.74
20

10

0
Mar 2004 Mar 2005 Mar 2006 Mar 2007 'Jun Sep2007 'Dec
2007 2007
UTI Mutual Fund
ƒ Wide Range of Schemes for all Needs
– 71 domestic schemes under Various Fund categories
ƒ Domestic Schemes & Offshore Schemes to cater to
whole gamut of your investment needs
ƒ 80 UTI Financial Centres (as on Nov 26, ‘07)
ƒ International Representative offices at London, Dubai
& Bahrain
ƒ Strategic Marketing tie-up with 22 PSU Banks, select
Private Banks & India Post across the country
UTI Systematic Investment Plan

ƒ UTI Systematic Investment Plan (UTI SIP) is a


vehicle offered by UTI Mutual Fund to help you save
regularly

ƒ It is a simple, time-honored strategy designed to help


investors accumulate wealth in a disciplined manner
over the long-term and plan a better future for them
Benefits of Systematic Investing –
To the Investor
Rupee Cost Averaging

Mr. A's SIP Investment would have accumulated to approximately 4,383.20 units,
where as B's lumpsum investment would have acquired only 4,235.30 units
The figures of Sale Price used are hypothetical and are for illustrative purposes only.
Benefits of Systematic Investing –
To the Investor
The Power of Compounding
ƒ An early investor accumulates more than the one
who comes in later
ƒ With fresh capital being invested at periodic intervals,
the accumulated investment increases

Rs. 1,000/- invested per month


Benefits
Convenience
ƒ Regular small & manageable outflows each month. UTI
SIP can be started with as low as Rs. 1000 p.m.
ƒ Hassle-free mode of deduction through salary payments
ƒ Take advantage of equity markets through limited
participation thereby minimizing the risk
ƒ Professional financial advice from AMFI certified advisors
ƒ Automatic mode of savings

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