The myth of guaranteed plans
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Many investors are extremely fearful of losing money. They commit themselves for long-term to bad investments simply because it promises 'Guaranteed Returns' - losing money by way of loss in purchasing power due to inflation.
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The myth of guaranteed plans
- 1. A few months back, a client of about 55 years age walked into our office along with his daughter, around 26 years of age sandeep@deepamfinvest.com | www.deepamfinvest.com
- 2. Both were quite happy because the daughter had just secured a job with a prestigious MNC! sandeep@deepamfinvest.com | www.deepamfinvest.com
- 3. There was another reason for the clientโs happiness โ He had just invested in a great Retirement Plan for his daughter - A โGolden Opportunityโ in his words... sandeep@deepamfinvest.com | www.deepamfinvest.com
- 6. The investment actually grows at a paltry 7.8% p.a., Guaranteed!! sandeep@deepamfinvest.com | www.deepamfinvest.com
- 7. Rs. 1 Lakh today is worth far more than it is worth 35 years later The Client ignored a simple fact: sandeep@deepamfinvest.com | www.deepamfinvest.com
- 8. The Client ignored a simple fact: To analyze any Guaranteed Returns plan, simply use IRR / XIRR calculation in MS Excel. Watch a 2-min video on using IRR Function at http://www.deepamfinvest.com/deepam-learning-centre/irr sandeep@deepamfinvest.com | www.deepamfinvest.com