1 / 15

Plan for your future

Plan for your future. Rs. 92,800/-. Rs. 26.5 lakhs. Rs. 1.33 Crores. Believe it or not ……… After 20 years. After 20 years…. “Once upon a time”. Your today’s monthly grocery bill of Rs 35,000 will become…. An IIM degree for your child which costs Rs. 10 lakhs today will cost…….

iria
Download Presentation

Plan for your future

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  1. Plan for your future

  2. Rs. 92,800/- Rs. 26.5 lakhs Rs. 1.33 Crores Believe it or not ……… After 20 years After 20 years…. “Once upon a time” Your today’s monthly grocery bill of Rs 35,000 will become….. An IIM degree for your child which costs Rs. 10 lakhs today will cost…… Your dream home which costs Rs 50 lakhs today will be more dearer to you Assuming inflation @ 5% p.a

  3. Prepare yourself to spend more on your favorite items in future… Because somebody is continuously eroding the value your money, without letting you know Life will never be the same again… “Affordable today” is “Unaffordable tomorrow” “Worthy today” becomes “Worthless tomorrow” Amount required to maintain the same lifestyle as today after 20 years Worth of Rs. 100,000 after 20 years Assuming inflation @ 5% p.a

  4. Every individual has one or more of the above goals Therefore you need to save for…. • Capital Assets- House, Car • Medical emergency • Child’s education / Marriage • Other family obligations • Post Retirement expenses- To maintain at least present standard of living

  5. Earnings Consumption Savings 38 yrs 10- 20 yrs 22 yrs Education Earning Years Post Retirement Years Age- 22 yrs Age- 60 yrs Time and Tide waits for none…. Everybody has limited time to Save Time to Save

  6. Have you planned for your future

  7. Some people work for money While Some make money work for them!!! Which category would you prefer

  8. Start Early 1 2 3 4 5 Invest Regularly Don’t time the Market Identify the best Asset Class Let time be on your side Retiring Rich is simpler than you think !! Writing on the wall… “Disciplined Approach” can lead to Wealth Creation !!!

  9. So why are your investments an exception to this rule Value of Investment (Rs. Lakh) You start investing Your Friend starts investing You stop investing Age (in years) Rule is “Early to bed, Early to rise makes a person Healthy, Wealthy & Wise” You Age : 25 years Start: Today Invest : 5 years Amount : Rs 5000 p.a. Your Friend Age : 25 years Start : at age 40 Invest : 20 years Amount : Rs 5,000 p.a. Note- Returns are assumed to be 10% p.a.

  10. Just 5 years of delay reduces the wealth by half!!! 38.3 45.0 40.0 35.0 22.8 30.0 25.0 (Rs. Lakhs) 13.4 20.0 7.7 15.0 4.2 10.0 2.1 5.0 0.0 25 30 35 40 45 50 If you start investing when you are (years) Investment Gains from Investment Rs. 1000 invested p.m. @ 10% p.a. till the age of 60 yrs Because Time is ticking & every second counts.. Delays affect Wealth Creation…. It Always Pays To Start Early & Save For Your Retirement

  11. 70 lakhs “Compound Interest is the Most Powerful force in the Universe” …Albert Einstein 23 lakhs 8 lakhs Even small amounts invested regularly can grow substantially Invest Regularly – Let the 8th Wonder work in your favor 15% 5% 10% Rs.1000 invested every month for 30 years

  12. 17.19% 17.13% 19.11% Fixed investment athighest sensex valueevery year – Worst day to buy Fixed investment atlowest sensex valueevery year – Best day to buy Fixed investment on 1st day of every month Investing in the BSE Sensex – 26 years “Time in the market” is more important that “Timing the market”… And please don’t predict the “Unforeseen” “Predicting the market a folly” Hope that you get it right more often than not! Source: ICRA MFIE

  13. 8.0% 4.0% 1980 - 2007 %CAGR 8.5% 7.1% Equities have outperformed all other asset classes in the long run – Globally as well as in India 19.0% Identify the best asset class Source : CLSA

  14. As the time horizon increases, the probability of loosing money decreases Equities: Not risky in Long Term Invest for Long term…. Let Time be on your side Source : BSE Sensex

  15. Is India an attractive destination? • Fundamentals still in place By 2032, India will be world’s third largest economy, next only to the U.S. and China Large pool of English speaking skilled labor available leading to MNCs setting facilities, generating employment Significant rise in the income levels continuing India on the consumption led growth trajectory India remains attractive to Foreign Investors as indicated by strong FII flows Inflow of Domestic savings to further drive the markets as equities continue to enjoy tax benefits Indian corporates increasingly target world market – exploiting low cost base Largest section of population in the age bracket of 20 – 60 yrs , which is the largest consumer group Structural shifts in the population pattern will lead to India’s growth inline with global trends Source : Brics Report

More Related