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com
Sumeet Nayak Vice President
An MBA (Finance), with close to a decade of experience across
the financial service industry




Diploma in Banking and Finance from the Indian Institute of
Banking & Finance




He is a Certified Personal Financial Advisor (CPFA) from
NISM and an IRDA certified Life Insurance Advisor




Advises LKWs clients on investments across Asset Classes




A Guest Faculty at B-School and Graduate Colleges across
Mumbai, Pune, Maharashtra Andhra Pradesh, Karnataka and
Kerala on topics related to Stock Market Investments, Mutual
Funds, Commodity Trading and Insurance




He has also been associated in the past with reputed
companies like Citigroup, MF Global, Newswire 18 and
Interactive Brokers










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LOTUS KNOWLWEALTH


* Creating Wealth through Knowledge *
Financial Planning Using
Mutual Funds
SEBI INVESTOR AWARENESS
An initiative to empower mutual fund investors by providing them with the right
information to make informed investment decisions.
Mutual Fund investments are subject to market
risks, read all scheme related documents carefully
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Why Do I Need to Save
Illustration Amount
Base Income 100
Less : Direct Tax 30
Post Direct Tax Income 70
Non - Discretionary
Expenses
35
Indirect Taxes 5
Net Income 30
Net Investible Income 20
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Is Just Saving Enough
INCREASING MONTHLY
BILL PAYMENTS
TAXES
INFLATION
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1200.00
300.00

50.00

40.00
22.20
48.35
2008
830.85 LPG Cylinder
2620.27 Zodiac Mens shirt
259.12 Petrol (per litre)
224.00 Masala Dosa
52.00 Hamam Soap
104.00 18.90 Colgate toothpaste
(100 gm tube)
2017? Item 1987
8.05
3.05
3.50
7.99
56.15
225.00
7.85
14.00
25.48
137.85
510.00
1997
REALITY
Inflation & the AAM AADMI
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Time Value of Money
Time Value of you Money , makes the amount saved
insignificant in the future
0
20000
40000
60000
80000
100000
120000
Present 5 Years 10 Years 15 Years 20 Years
100000
71639
47216
31119
20510
Savings
CPI Rate of Inflation assumed at 8%
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So Now What Do I Need to Do ?
SAVE!
INVEST!
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FDs Safety @ What Cost ?
FD Returns = 9% (Pre Tax)
Real Inflation = 12% minimum
Clearly, ONLY Low Risk FDs
will erode your capital
More than ~70% of Investors Funds find their
way to FDs
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Equity or Gold or Real Estate
30 Year Comparison
** South Mumbai
**
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Long Term Wealth Creation
High Risk

Two Year Bull Cycle in a Seven Year Cycle

Pulls up overall average returns
* Minimum period of remaining invested is 7-10 years
Scheme Category /
Benchmark Indices
CAGR % Returns (4
th
March, 2014)
1 year 3 years 5 years 10 years
Large Cap Funds 14% 8% 25% 19%
Mid Cap Funds 25% 23% 33% 23%
Balanced Funds 17% 12% 23% 18%
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Investing in Mutual Funds
Simple & Efficient
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Advantage Mutual Fund
Has offerings across
Asset Classes


Facilitates Easy
Portfolio Rebalancing


Managed by Fund
Managers

Access to Superior
Company Information
Equity
Large Cap
Multi Cap
Mid Cap
Sectoral Fund
Balanced Fund
Debt
Liquid Fund
Dynamic Bond Fund
Income Funds
Gilt Funds
Monthly Income Plan
Gold
Fund-of-Fund
Global Funds
Fund of Fund
Mutual
Funds
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Invest SMART, Invest SAFE

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Benefits of SIP

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How Does it Work ?
Rupee Cost Averaging gives you a lower unit cost unit than
market average

Investing FIXED amounts makes sure you purchase MORE
units at a lower price and LESS at a higher price
Average unit
cost
. 9.3 . 10
Units Bought 75 70
End Value
. 825 . 770
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Tax Benefits
LTCG = Long Term Capital Gains, STCG = Short Term Capital Gains
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Financial Life Cycle
Where do you stand in this Cycle ?
`
Approaching
Retirement
Years
Retirement Years
Single * Marriage * Start and Raise Family
0 20 30 40 50 60 70 80
Years of Age
Stage 1: Wealth
Creation
Stage 3: Wealth
Protection
Stage 2: Wealth
Consolidation
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Life Cycle Stage
Asset Allocation Model
Life Cycle Stage Type of Investor Equities Debt Gold
Wealth Creation Higher Risk 70% 15% 15%
Wealth Consolidation Medium Risk 50% 40% 10%
Wealth Protection Lower Risk 20% 75% 5%
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Life Cycle Stages
Early Starter
High Risk Appetite
Highly Rewarding
Equity Mid Cap Funds
SIP Ideal Investment
Strategy
Higher Average
Returns
Time Bound Goals
Moderate Risk Appetite
Anchor Portfolio - Hybrid
Funds (Balanced Funds
& MIPs)
STP Ideal Investment
Strategy
Consistent Average
Returns
Retirement Corpus
Low Risk Appetite
Debt Mutual Funds
SWP Ideal
Investment Strategy
More than Inflation
Returns
Wealth Creation Wealth Protection Wealth Consolidation
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Pillars of Investing
Consistency
Liquidity
Returns
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Re-balancing Asset Allocation
Allocate based on Economic & Market conditions

Provide Weightages based on Outlook

Create Asset Class Boundaries

Rebalance based on

Breaching Boundaries

Changing Outlook
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DOs & DONTs of INVESTING
Investing DOs
Set Realistic Investment Goals

Invest Systematically

Gradually increase Investment
Amounts
Lumpsum
SIPs

Asset Class Diversification


Periodic Review of Asset
Allocation & Re-balancing

Investing DONTs
Try to time the market


Target maximum returns
always


Investing only in FDs will lead
to lesser than Inflation Rate
Returns


Insurance is a Necessity, Not an
Investment
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To Avoid a Financial
Surgery do a

6 monthly Portfolio Check Up
Road to Financial Health & Wealth
Stay Financially Healthy to

Get Wealthy
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RING : 022 4010-5482 to 84



e-MAIL : sumeet@lotusknowlwealth.com
Contact Us
Website : www.LKWIndia.com
www.gurukshetra.com
www.gurukshetra.com
www.lkwindia.com
An Investor Awareness &
Education Initiative
THANK YOU