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Sumeet Nayak Vice President
An MBA (Finance), with close to a decade of experience acrossthe financial service industry
Diploma in Banking and Finance from the Indian Institute ofBanking & Finance
He is a Certified Personal Financial Advisor (CPFA) fromNISM and an IRDA certified Life Insurance Advisor
Advises LKWs clients on investments across Asset Classes
A Guest Faculty at B-School and Graduate Colleges acrossMumbai, Pune, Maharashtra Andhra Pradesh, Karnataka andKerala on topics related to Stock Market Investments, Mutual
Funds, Commodity Trading and InsuranceHe has also been associated in the past with reputedcompanies like Citigroup, MF Global, Newswire 18 andInteractive Brokers
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L OTUS K NOWL WEALTHCreating Wealth through Knowledge
Financial Planning UsingMutual Funds
SEBI INVESTOR AWARENESS
An initiative to empower mutual fund investors by providing them with the rightinformation to make informed investment decisions.
Mutual Fund investments are subject to marketrisks, 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 - DiscretionaryExpenses 35
Indirect Taxes 5
Net Income 30
Net Investible Income 20
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Is Just Saving Enough
INCREASING MONTHLYBILL PAYMENTS
TAXES
INFLATION
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1200.00
300.00
50.00
40.00
22.20
48.35
2008
830.85LPG Cylinder
2620.27Zodiac Mens shirt
259.12Petrol (per litre)
224.00Masala Dosa
52.00Hamam Soap
104.0018.90Colgate 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 savedinsignificant in the future
0
20000
40000
60000
80000
100000
120000
Present 5 Years 10 Years 15 Years 20 Years
100000
71639
47216
3111920510
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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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 acrossAsset Classes
Facilitates Easy
Portfolio Rebalancing
Managed by FundManagers
Access to SuperiorCompany 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
MutualFunds
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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 thanmarket average
Investing FIXED amounts makes sure you purchase MORE
units at a lower price and LESS at a higher price
Average unitcost
. 9.3 . 10
Units Bought 75 70
End Value . 825 . 770
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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 RewardingEquity Mid Cap Funds
SIP Ideal InvestmentStrategy
Higher AverageReturns
Time Bound Goals
Moderate Risk Appetite
Anchor Portfolio - HybridFunds (Balanced Funds
& MIPs)
STP Ideal InvestmentStrategy
Consistent AverageReturns
Retirement Corpus
Low Risk Appetite
Debt Mutual Funds
SWP IdealInvestment Strategy
More than InflationReturns
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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To Avoid a FinancialSurgery do a
6 monthly Portfolio Check Up
Road to Financial Health & Wealth
Stay Financially Healthy to
Get Wealthy
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An Investor Awareness &
Education Initiative
THANK YOU
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