Mutual Fund SIP Investment Presentation

1. S mart I nvestor’s P reference (SIP)

2. 25 Years What is the Average Age when one starts Earning?

3. What is the Average Retirement Age? 60 Years

4. Rs.15,000/- p.m. What is an Average Income of an Middle-Class House-hold?

5. Rs.5,000/- p.m. How much can a person save on a regular basis?

6. If a person can save Rs.5,000/- per month What will be his wealth when he retires? Assuming: He increases his investments by 5% every year Invests in an Asset class that gives returns of 20%

7. At Age 60 his wealth would have been Rs.27 Crores

8. Starting Early Give time to your investments rather than timing Assumptions: (a) Savings grows at 5% annually (b) Returns assumed at 20% CAGR Give time to your investments rather than timing 4.90 Crores* 27 Crores* 40 years 25 years 60 years Rs.62 lacs Rs.57 lacs Total Amount Saved (appx.) 20 years 35 years Saving Years till age 60 Rs.15,000/- Rs.5,000/- Savings - Monthly SIP 40 25 Savings Starting Age Shyam Ram

15. The Formula for Creating Wealth Make your money work hard for you Earn More Create Wealth Start Early Invest Regularly

16. The Million Dollar Question I am convinced that I should save and invest regularly, but the million dollar question is… Where should I invest?

17. Risk Return Spectrum Savings Bank/ FD Liquid Funds PPF, NSC, KVP, PO Deposits, RBI Bonds Debt Funds Gold Real Estate Equity Risk Return potential Low High Low High Note: The above chart is for illustrative purpose only and is not marked to scale. The chart is based on our perception of the risk and return potential of various investment avenues

18. Equities- The Most Attractive Asset Class Equities have outperformed all other asset classes in the long run - globally as well as in India Source : CLSA Cumulative annualised returns (1980 - 2004)

19. Do you agree? Which product among all above has the potential to create greatest wealth for you? Equities …

20. Risk?? Returns are unsure! Equity – owners’ risk Volatility of returns Market Risk Sentiments in ST, Herd Mentality

21. Investor’s Psyche - Wrong emotion dominates at wrong time Fear Hope The Cycle of Fear, Greed & Hope Greed

22. Simply put …

26. Using the Wisdom We can direct our savings in such a manner that we create wealth, the way we wish DISCIPLINED SAVINGS + SUFFICIENT TIME + RIGHT ASSET CLASS = S mart I nvestor’s P reference

28. A Snapshot of poor performing schemes

29. A Snapshot of better performing schemes

30. Start an SIP today and Sit back and Relax