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Concepts of planning
Asset
allocation
Power of
compounding
Human life
cycle & value
Starting of
early
Portfolio
review
Illustration
Returns from different assets
CAGR in 10 Years
Fixed Deposits
Real Estate
Gold
Equity
WPI
Fixed Deposits
Real Estate
1.66
14.71%
4.2
2.02
Equity
18.48%
5.45
3.94
Gold
5.22%
7.28%
15.43%
Illustration
Power of compounding & investing early
5%
10%
15%
20%
105
110
115
120
128
161
201
249
10
163
259
405
619
60.00
15
208
418
814
1,541
40.00
9,540
20.00
25
339
1,083
3,292
148.61
120.00
100.00
70.10
80.00
32.84
4.20
3.60
3.00
25
30
35
15.16
2.40
1.80
6.77
1.20 2.79
0.00
Investment
40
wealth at 60
45
50
Eligibility criteria
Dealers/FP/RM/BO
BM
ASM/CH
5% of area's revenue
CSM/RD
5 % of region's revenue
Reward
15% of revenue
Illustrated rewards
Assumption
Reward (Rs.)
2493
48240
4824
ASM/CH
209040
10452
CSM/RD
402000
20100
Designation
Dealers/FP/RM/BO
BM
Business should be logged during the contest period and issued before 15th June, 2014.
We will declare the Final result after the free-look & cancellations on or before 30th June, 2014.
Management decision will be final and binding for the contest.
Why SIPs
Systematic Investment Plan, A mode of investing in Mutual Funds which comes with unique advantages, like:
1. Rupee cost Averaging - Something which each investor aspires for but not able to achieve as effectively (in any
other way) as with SIP
2. Small Amounts of Investment Small amount systematically gets you a wealth accumulation that one is
dreaming for
3. Disciplined Investing - This is basic mantra for wealth creation. SIP kills the habit of timing the market for
investment. Each month a fixed sum is invested in the target scheme.
4. Convenience - Enroll for autodebit /ECS, the most hassle free way of investing. Can be stopped at any point of
time with one month notice to AMC/Bank
5. Long Term Investing - Again a cherished dream which in all practicality can be achieved best through SIP
6. Benefits of Compounding - SIP ensures this. Well elaborated in the calculator.
7. Deterrent for Extravagance - Spending pattern is one of the most critical part of Financial Planning. Once in Auto
debit/ECS mode the investors spending patterns are regulated.
When the steep corrections in market have created tension, SIP investors is smiling all the way as for him
corrections means allotment of units at a lesser NAV. For a growing economy with clear prospects of generating
hefty returns over a period of time getting allotments at attractive valuations is like winning a lottery.
Focused Schemes
Absolute %
CAGR %
NAV
Launch Date
Age
(yrs)
AUM Crs
1YR
2YR
3YR
5YR
Since
Inception
21.86
26-May2008
5.91
5,317
22.46
15.75
8.33
21.53
14.14
30-Aug2002
11.65
4,412
22.96
18.99
9.16
20.76
23.65
185.12
15-Jul1998
15.78
541
26.44
16.53
9.72
18.42
20.29
71.77
16-Aug2004
9.69
3,357
32.66
20.21
12.77
29.23
22.57
42.90
29-Oct2004
9.48
231
39.97
17.10
9.52
22.52
16.60
Scheme Name
Illustration
1 TERM + 1 HEALTH + 1MF SIP
Investments
Mutual Fund
Term Plan
Health Plan
Total
Investments
Mutual Fund
Term Plan
Health Plan
Total
Investments
Mutual Fund
Term Plan
Health Plan
Total
Investments
Mutual Fund
Term Plan
Health Plan
Total
IRR : 12.97%
Brokerage in %
1.00
50.00
25.00
IRR : 12.61%
Brokerage in %
1.00
50.00
25.00
IRR : 11.89%
Brokerage in %
1.00
50.00
25.00
IRR : 10.79%
Brokerage in %
1.00
50.00
25.00
Life Insurance
Features:
1. Complete financial protection at affordable price
2. Higher insurance coverage at low premium
3. Cover long term liabilities (like Home Loans etc) or short term liabilities
Benefits:
1. Instant life cover
2. Extremely affordable premium
3. Tax benefit under sec 80C, 10(10D) on death of the Income tax act,1961
Premium at a Glance:
The below premium is calculated for Male Sum assured of 1 Crore for 30 Yrs term and
attached are the premium chart for your reference.
Health Insurance
Health care inflation has gone up to 18% leading to significant rise in medical care costs and making health
insurance premiums expensive as well.
Also, as healthcare expenses rise, the real value of the sum assured decreases.
Features:
Auto recharge of your policy Sum Insured.
Get health check-ups, every year.
Avail treatment anywhere in the world.
Cashless treatment at 3200+ hospitals & Daily allowance.
Auto recharge of your policy Sum Insured, if exhausted.
Get health check-ups for insured members, every year.
Avail treatment anywhere in the world.
Largest list of day care procedures-171.
No Claim-based loading & Lifetime renew.
Benefits:
Covers medical expenses.
Reduces mental and financial burden.
Various health insurance plans offer benefits such as regular health check-ups.
Tax benefit under sec 80 D
A family floater is convenient to cover children. It makes sense for a small family consisting of the policy holder,
spouse and children and where the members are young and healthy
Premium at a Glance:
The below premium is calculated on individual & family floater of 5 Lacs for 1 Yr term and attached are the
premium chart & product comparisons for your reference.