1. My Care FPS (1)

MY CAREHealth & Wealth

REG OFFICE: A-2/402, First Floor, Sector-8, Rohini, New Delhi 110085.

Registration No: 2013033853, Bank: Axis Bank, Sector7, Rohini, New Delhi 110085.

Current Account Name: My Care, Account No: 914020003802258, IFSC Code: UTIB0001813

WEBSITE: www.my-care.in Email: [email protected] & [email protected]

PHONES: +91 9810986644, +919582233598

MY CARE FINANCIAL PRODUCTS SUPPORT

FINANCIAL PRODUCTS SUPPORT

TOPICS OF DISCUSSION Financial Products Support & its Importance

Inflation & its Effect in your Financial Condition

Financial Tools & Comparison

Power of Compounding & 1 Crore Plan

Equity (Not Risky in Long Term) & other Asset Classes

Mutual Funds & Systematic Investment Plan (SIP)

Health Insurance, Life Insurance & their Importance

Personal Financial Products Support Package by My Care

Benefits of Financial Products Support by My Care

Process of Financial Products Support by My Care

MY CARE01

FINANCIAL PRODUCTS SUPPORT: FINANCIAL PRODUCTS SUPPORT is theprocess of establishing financial goals and creating a way to reach them. The financial goals caninclude buying a house, saving for your childs education / marriage or planning for yourretirement or simply creating a wealth for your future. FINANCIAL PRODUCTS SUPPORT ISIMPORTANT FOR GOAL ACHIEVEMENT ON RIGHT TIME

IMPORTANCE OF FINANCIAL PRODUCTS SUPPORT, REAL EXAMPLE (VALUES AS ON 30-09-2014)

8,000 PM INVESTED

AMOUNT INVESTED

WITHOUT PLANNING @8 %

WITH PRUDENT FINANCIAL PRODUCTS SUPPORT

DIFFERENCE

LAST 19 YEARS 18,24,000 41,49,231 3,45,45,550 @ 26.65%

RELIANCE GROWTH FUND -GR 3,03,6,319

LAST 12 YEARS 11,52,000 18,99,821 64,73,386 @ 26.46%SUNDARAM SELECT MIDCAP FUND GR

45,73,565

LAST 6 YEARS 5,76,000 7,34,408 15,31,240 @ 32.96%RELIANCE PHARMA FUND GR

7,96,832

FINANCIAL PRODUCTS SUPPORT IS IMPORTANT FOR GOAL ACHIEVEMENT ON RIGHT TIMEMY CARE02

INFLATION: Inflation is a rise in the general level of prices of goods and services inan economy over a period of time. Example: Effect of Inflation (See Table Below):

S.NO PRODUCT IN 1985 IN 2012 GROWTH IN 2022 IN 2032

1 TOOTHPASTE 5 50 9.81% 127 325

2 MILK (1 Lt.) 4 36 8.48% 81 183

3 SUGAR (1 Kg) 4 45 9.38% 110 270

4 PETROL (1Lt.) 8 73 8.53% 166 378

5 ELECTRICITY (1 Unit) 0.27 7 12.81% 23 78

6 PRIMARY CLASS FEE 30/Month 1,500 15.59% 6,387 27,195

7 MBA 10,000 7,00,000 17.04% 33,76,301 1,62,84,870

8 STONE SURGERY 1,000 80,000 17.62% 4,05,17 20,54,535

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INFLATION: Example: Suppose cost of a product this year is 100 & inflation is 8%then next year you need 108 to buy the same product. (100 + 100 X 8% = 108)

S.NO YEAR MONTHLY EXPENSES OF A MIDDLE CLASS FAMILY

1 1960 100 ( ONE HUNDRED ONLY)

2 1980 1,000 ( ONE THOUSAND)

3 2000 10,000 ( TEN THOUSAND)

4 2020 1,00,000 ( ONE LAKH)

NOTE: AVERAGE INFLATION: 12.20% PER YEAR IN LAST 50 YEARS(INCLUDES BASIC INFLATION + LIFESTYLE INFLATION)

INFLATION IS THE CAUSE OF MONEY EROSION & NEEDS ATTENTION DURING FINANCIAL PRODUCTS SUPPORT

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GOAL ACHIEVEMENT (COMPARISION OF INVESTMENT OPTIONS {8% & 18%})CASE STUDY: Mr. A OF 35 YEARS & HAS A CHILD OF 3 YEARS (IMPORTANCE OF FINANCIAL PRODUCTS SUPPORT)

GOALPRESENT

COSTFUTURE COST

TIME TO SAVE (YEARS)

SIP NEEDED

AT 8%

LUMPSUM NEEDED

AT 8%

SIP NEEDED

AT 18%

LUMPSUM NEEDED

AT 18%

CHILD EDUCATION(WHEN CHILD IS OF 17 YEARS)

10,00,000 29,37,194 14 9,693 10,00,000 4,399 2,89,457

CHILD MARRIAGE(WHEN CHILD IS OF 25 YEARS)

15,00,000 81,54,811 22 11,751 15,00,000 3,008 2,13,801

RETIREMENTMONTHLY EXPENSE (AT 60 YEARS OF AGE)

20,000(PER MONTH)

1,36,980 PM(CORPUS REQD)

2,58,32,78725 28,238 37,72,049 5,738 4,12,212

TOTAL 25,00,000 3,69,24,791 49,681 62,72,049 13,144 9,15,471

ASSUMPTION: INFLATION-8%, POST RETIREMENT INFLATION-7%, LIFE EXPECTANCY-80 YEARS.


FINANCIAL TOOLS: INVESTMENT OPTIONS AVAILABLE

PPF

Bonds

NSC/KVP

Bank Fixed Deposits

Corporate Fixed Deposits

Life Insurance

Gold

Real Estate

Direct Equity

Mutual Funds

ANALYSE BEFORE INVESTING

S.NO. PRODUCT FEATURE YES/NO

1 BEATS INFLATION Y N

2 TAX EFFICIENT Y N

3 LIQUIDITY Y N

4 FLEXIBILITY Y N

5 COST (TIME & MONEY) Y N

6 GOAL ACHIEVEMENT Y N

EXAMPLE: 1,00,000 INVESTED IN BANK FIXED DEPOSIT @ 9% FOR 1 YEAR , INFLATION 7%THE VALUE AFTER 1 YEAR 1,00,000- 7,000+ 9,000(TAXABLE) = 1,02,000. POST TAX RETURNAFTER 1 YEAR = 1,02,000 - 2,700(TAX) = 99,300}. {BUT OUR NEED IS 1,07,000 + GROWTH}.

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FINANCIAL TOOLS: COMPARISION TABLEFINANCIAL TOOL

ANNUALRETURNS

TIMEHORIZON

TAX FREERETURNS

LIQUIDITYCAN BEAT

INFLATIONGOOD FOR GOALACHIEVEMENT

PPF 8.6% 15 YEARS YES NIL NO NO

BONDS 8-10% 8-12 YEARS NO NIL NO NO

NSC/KVP 8.6% 7-8 YEARS YES NIL NO NO

BANK FD 8-9% VARIABLE NO NO NO NO

CORPORATE FD 9-12% VARIABLE NO NO NO NO

LIFE INSURANCE 5-8% 10-20 YEARS YES LOW NO NO

GOLD 8-12% VARIABLE NO YES NO NO

REAL ESTATE APROXX15% VARIABLE NO NO MAY BE NO

DIRECT EQUITY APROXX 15% VARIABLE YES LOW MAY BE NO

MUTUAL FUNDS 15-20% 5-8 YEARS YES FULL YES YES

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IMPACT OF CHOOSING THE RIGHT INVESTMENT PRODUCT: SEE TABLEEXAMPLE: 8,000 PM 10 YEARS 15 YEARS 20 YEARS 25 YEARS

AMOUNT INVESTED @ 0% 15,00,000 22,50,000 30,00,000 37,50,000

LIFE INSURANCE @ 6% 20,40,804 36,03,856 56,95,572 84,94,760

PPF/GPF @ 8%PA 22,66,040 42,47,231 71,58,250 1,14,35,493

ELSS @ 18% PA 38,63,501 1,13,00,871 2,40,84,428 5,62,74,455

GAP BETWEEN 8% & 18% 15,97,461 70,53,640 1,57,82,635 5,51,30,912

1. CHOICE OF THE INVESTMENT PRODUCT HAS A DEEP IMPACT ON YOUR FINANCIALCONDITION BECAUSE OF GROWTH RATE & EFFECT OF COMPOUNDING.

2. SO, BE CAREFUL & THINK AGAIN BEFORE YOU INVEST YOUR HARD EARNED MONEY.

3. INVESTMENT IS THE ONLY WAY IN THIS WORLD, WHERE YOU GET THE MONEYWITHOUT WORKING.


START EARLY : SEE TABLE TO SEE BENEFIT OF STARTING EARLY (@15%CAGR)FEATURE RAM SHYAM

INVESTMENT STARTING AGE 25 YEARS 40 YEARS

INVESTMENT-MONTHLY SIP 5,000 15,000

SAVING YEARS TILL AGE 60 35 YEARS 20 YEARS

TOTAL INVESTMENT MADE 21,00,000 36,00,000

WEALTH CREATION 5.70 Cr 1.99 Cr

DELAY COST: EXAMPLE: RAM INVESTED 5,000 FOR 35 YEARS IN SIP (@15%CAGR)INVESTMENT FINAL AMOUNT LOSS (DELAY COST)

STARTED ON TIME (NO DELAY) 5,70,74,220 0

ONE MONTH DELAY IN STARTING 5,64,08,342 6,65,878

SIX MONTHS DELAY IN STARTING 5,31,92,840 38,81,380

ONE YEAR DELAY IN STARTING 4,95,73,434 75,00,786

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THE POWER OF COMPOUNDING: (8TH WONDER OF THE WORLD) 1 CRORE PLANONE TIME INVESTMENT @18%CAGR

INVESTMENT TIME PERIOD FINAL AMOUNT

20,000 37.5 YEARS 1,00,87,730

50,000 32.1 YEARS 1,01,48,046

70,000 30 YEARS 1,00,35,945

1,00,000 27.9 YEARS 1,01,27,634

2,00,000 23.7 YEARS 1,01,07,263

5,00,000 18.1 YEARS 1,00,00,791

SIP PER MONTH @18%CAGR

AMOUNT TIME PERIOD FINAL AMOUNT

500 35 YEARS 1,00,99,910

1,000 31 YEARS 1,12,11,824

5,000 21 YEARS 1,00,41,260

25,000 11.5 YEARS 1,04,18,850

50,000 9 YEARS 1,14,51,512

1,00,000 6 YEARS 1,13,30,361

1. YEARS OF DOUBLING THE INITIAL AMOUNT = 72/RATE OF INTEREST, SO IF RATE OF RETURN IS 18%THEN DOUBLING TIME IS 72/18 = 4 YEARS.

2. SO 1 LAKH WILL BECOME 2 LAKHS IN 4 YEARS (@ 18 % RATE OF RETURN PER ANNUM), 4 LAKHSIN 8 YEARS, 8 LAKHS IN 12 YEARS, 16 LAKHS IN 16 YEARS, 32 LAKHS IN 20 YEARS, 64 LAKHS IN 24YEARS , 1.28 CRORE IN 28 YEARS & 2.56 CRORES IN 32 YEARS.

3. DID YOU KNOW THAT 1 DOUBLED BY 30 TIMES BECOMES 100 CRORES.

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12

EQUITY: WHAT IS EQUITY? Equity is BUYING BUSINESSES or INVESTING IN A BUSINESS. Equity is OWNERSHIP OF BUSINESS. Equities are nothing but SLAVES OF EARNINGS (Consumption Theory) 10 yr deposit of the companies offering 8% PA...is it a good investment? Geniuses like Aditya Puri, Ratan Tata, Sunil Mittal are managing the

companies. They are borrowing at 8% because they are confident of earning 15% pa

over 10 years. (POWER OF EQUITY To deliver returns above the Inflation)Why not partner them in this growth, instead of lending to them. If we trust they will repay debt, then why doubt their ability to make profits.

HOW EQUITY DELIVERS RETURNS

INCREASED CONSUMPTION (FMCG, CARS, SHOPPING) BOOSTING BUSINESS OF RELATED COMPANIES(PIZZA HUT, MARUTI, BSES, ITC) COMPANIES MAKE PROFIT THEIR VALUATION INCREASES OVERTIME YOU ALSO EARN IN PROPORTION IF YOU PARTICIPATE IN THEIR BUSINESS (EQUITY/OWNERSHIP)

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HOW EQUITY DELIVERS RETURNS: BASIC CONCEPT

1 CONSUMPTION (USE OF PRODUCT & SERVICES BY PUBLIC)

EXAMPLE: TEA, PIZZA, BRANDED GARMENTS, LAPTOPS, SMARTPHONES, CARS, FUEL ETC.

2 PROFIT EARNED BY THE RELATED COMPANIES (ITC, SAMSUNG, HP, MARUTI SUZUKI) VALUATION OF COMPANIES INCREASE OVER TIME (INCREASE IN SHARE PRICES)

3 MUTUAL FUND SELECTS THE BEST COMPANIES TO INVEST - EQUITY (PORTFOLIO) PROFESSIONAL MANAGEMENT BY FUND MANAGER - GENERATE RETURNS FOR US

INCREASE IN CONSUMPTION PROFIT IN COMPANIES RETURNS IN MUTUAL FUNDS

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INDIAN CONSUMERS: COMPARISION WITH WORLDS POPULATION

INCREASED CONSUMPTION INCREASED PROFIT OF COMPANIES (ARE YOU PARTICIPATING IN THEIR GROWTH? EQUITY)

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INDIAN ECONOMY: GROWTH STORY SO FAR IN LAST 60 YEARS SUSTAINED GROWTH

SOURCE: MINISTRY OF STATISTICS AND PROGRAMME IMPLEMENTATION, ANNUAL REPORT 2010-2011

GROSS DOMESTIC PRODUCT(GDP) is the market value of all officially recognized final goodsand services produced within a country in a given period of time. Major contributors to GDPare Agriculture, Industry & Service Sector.

GDP = C(Private Consumption)+I(Gross Investments)+G(Government Spending)+{X(Exports)-M(Imports)}MY CARE14

INDIAN ECONOMY DEMOGRAPHICS & RISING AFFORDABILITY

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WHO ARE THE WEALTHIEST PEOPLE ON EARTH?

William Gates III Jr.

Warren Buffett

Lakshmi Mittal

Sam Waltons family (owner of Wal Mart Stores)

CLOSER HOME

The Ambanis

Azim Premji

The infocians

Rakesh Jhunjhunwala

YOU ????????

THE SECRET OF THEIR WEALTH EQUITY

THEY ARE RICH BECAUSE THEY

UNDERSTOOD THE POWER OF EQUITY

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MUTUAL FUNDS

Potentially High Returns

Professional Management

Diversification

Liquidity

Flexibility

Well Regulated

Tax Free Returns

BEST WAY TO INVEST IN EQUITY:

MOST TRANSPARENT

ZERO ENTRY LOAD

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MUTUAL FUNDS: HOW MUTUAL FUND WORKS?

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EQUITY- NOT RISKY OVER LONG TERM: SENSEX OBSERVATIONS

NOTE: PROBABILITY OF LOSS IS JUST 4.17% IN 10 YEARS PERIOD & NIL IN PERIOD OF MORE THAN 10 YEARS

Sensex Earnings Chart

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EQUITY- NOT RISKY OVER LONG TERM: MUTUAL FUNDS OBSERVATIONS

NOTE: PROBABILITY OF LOSS IN EQUITY MUTUAL FUNDS IS NIL IN PERIOD OF MORE THAN 5 YEARS.MY CARE20

COST OF SECURITY: COMPARISION OF PPF (NON RISKY) & ELSS (RISKY) IN LAST 17 YEARSPPF

DATES INVESTMENT AMOUNT INTEREST RATE FUND VALUE

29-3-1996 1,00,000 12.00% 1,00,000

31-3-1997 1,00,000 12.00% 2,12,000

31-3-1998 1,00,000 12.00% 3,37,440

31-3-1999 1,00,000 12.00% 4,77,930

31-3-2000 1,00,000 11.00% 6,30,510

30-3-2001 1,00,000 9.50% 7,90,400

28-3-2002 1,00,000 9.00% 9,61,540

31-3-2003 1,00,000 8.00% 11,38,461

31-3-2004 1,00,000 8.00% 13,29,540

31-3-2005 1,00,000 8.00% 15,35,900

31-3-2006 1,00,000 8.00% 17,58,780

30-3-2007 1,00,000 8.00% 19,99,480

31-3-2008 1,00,000 8.00% 22,59,440

31-3-2009 1,00,000 8.00% 25,40,199

31-3-2010 1,00,000 8.00% 28,43,410

31-3-2011 1,00,000 8.00% 31,70,888

30-3-2012 1,00,000 8.60% 35,43,584

30-3-2013 1,00,000 8.80% 39,55,408

30-3-2014 1,00,000 8.60% 43.99,528

02 07-2014 19,00,000 44,92,246

ELSS (HDFC TAXSAVER- GROWTH)

DATESINVESTMENT

AMOUNTNAV FUND VALUE

29-3-1996 1,00,000 10 1,00,000

31-3-1997 1,00,000 9.04 1,90,400

31-3-1998 1,00,000 12.40 3,61,168

31-3-1999 1,00,000 19.85 6,78,160

31-3-2000 1,00,000 41.56 15,19,866

30-3-2001 1,00,000 15.72 12,61,505

28-3-2002 1,00,000 19.86 16,93,734

31-3-2003 1,00,000 18.64 16,89,688

31-3-2004 1,00,000 40.12 37,37,090

31-3-2005 1,00,000 67.56 63,92,223

31-3-2006 1,00,000 131.22 1,25,16,466

30-3-2007 1,00,000 133.88 1,28,70,090

31-3-2008 1,00,000 152.02 1,47,13,698

31-3-2009 1,00,000 97.06 94,94,524

31-3-2010 1,00,000 205.68 2,02,19,143

31-3-2011 1,00,000 232.90 2,29,95,086

30-3-2012 1,00,000 223.70 2,21,86,735

30-3-2013 1,00,000 225.53 3,09,43,066

30-3-2014 1,00,000 276.79 3,81,10,274

02 07-2014 19,00,000 4,97,04,282

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10 9.04 12.4 19

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15.7

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19.8

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18.6

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12

67.5

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131.

22

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150

200

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NA

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DF

C T

AX

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TIME PERIOD 1997 TO 2013

NAV OF HDFC TAXSAVER FUND GROWTH IN LAST 17 YEARS (1997 TO 2013)

EQUITY- NOT RISKY OVER LONG TERM: NAV OBSERVATIONS OF A MUTUAL FUND

BURST OF IT BUBBLE

GLOBAL SUBPRIME

CAGR 20.49 % IN LAST 17 YEARS

NOTE: PROBABILITY OF LOSS IN THIS EQUITY MUTUAL FUND IS NIL IN PERIOD OF MORE THAN 5 YEARS.MY CARE22

EXAMPLE OF PROFESSIONAL MANAGEMENT: MUTAL FUNDS

YEAR 2000 2001 2004INVESTMENT14/02/2000

VALUE ON 21/09/2001

VALUE ON 23/11/2004

GROWTH

SENSEX 5,924 2,600 6,009 1.43%

HDFC EQUITY FUND GR 1,00,000 51,179 2,12,360 112%

FRANKLIN BLUECHIP FUND GR 1,00,000 66,222 2,02,540 102%

RELIANCE VISION FUND GR 1,00,000 41,240 2,55,610 155%

HDFC PRUDENCE FUND GR 1,00,000 71,651 2,35,370 135%

TATA PURE EQUITY FUND GR 1,00,000 43,927 1,82,630 82%

FRANKLIN INDIA PRIMA FUND GR 1,00,000 45,550 2,56,670 156%

HDFC TOP 200 FUND GR 1,00,000 46,002 1,69,780 69%

ICICI PRUDENTIAL POWER FUND GR 1,00,000 45,433 2,21,220 121%

RELIANCE GROWTH FUND GR 1,00,000 26,818 2,21,750 121%

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EXAMPLE OF PROFESSIONAL MANAGEMENT: MUTAL FUNDS

YEAR 2008 2009 2010INVESTMENT10/01/2008

VALUE ON 09/03/2009

VALUE ON 10/11/2010

GROWTH

SENSEX 20,582 8,160 20,875 1.42%

RELIANCE BANKING FUND GR 1,00,000 41,802 1,82,622 82.62%

RELIANCE PHARMA FUND GR 1,00,000 59,387 2,06,983 106.98%

BIRLA SUN LIFE MNC FUND GR 1,00,000 51,396 1,49,694 49.69%

UTI TRANSPORTATION & LOGISTICS 1,00,000 71,651 1,71,204 71.20%

SUNDARAM SELECT MIDCAP FUND GR 1,00,000 33,982 1,23,674 23.67%

HDFC EQUITY FUND GR 1,00,000 41,466 1,43,289 43.29%

HDFC TOP 200 FUND 1,00,000 47,152 1,41,858 41.8%

ICICI PRU BANK & FIN SERVICES FUND 1,00,000 40,291 1,47,065 47.07%

RELIANCE GROWTH FUND 1,00,000 55,919 1,66,668 66.67%

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SIP: BEST METHOD OF INVESTING IN EQUITY MUTUAL FUNDS

TIME JANUARY 2008 FEBRUARY 2009 AUGUST 2009 NOVEMBER 2010

SENSEX 20,000 9,000 15,000 20,000

SIP RETURNS 33.70% CAGR From January 2008 to November 2010

Returns are based on average SIP returns of 150 Mutual Funds equity schemes available in Jan 2008

INVEST IN EQUITY FOR LONG TERM, DON'T TRY TO TIME THE MARKET, BE A REGULAR INVESTOR**** EQUITY IS FOR LONG TERM ***

SIP (Systematic Investment Planning) is a method of investing a fixed amount, at a regularinterval, in a mutual fund.

Advantages of SIP: Encourages Regular Investments, Flexible & Very Convenient, Lowerinitial investment without cutting into regular expense, Long term perspective, Rupee CostAveraging Benefit to counter volatility as it brings down the average cost of yourInvestments, No need to time the market, Meet investment objective with investmentneeds, Helps to match the risk / return profile.

EXAMPLE OF SIP: IN ADVERSE CONDITIONS

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Average Returns of Top 10 Schemes = 24.99 % Average Returns of Top 20 Schemes = 22.31% Average Returns of Top 30 Schemes = 20.61% Average Returns of Top 50 Schemes = 18.56%

(SIP Return of 198 Diversified Equity Schemes in Percentage as on 31st December, 2012)

Average Returns of Top 10 Schemes = 21.63 % Average Returns of Top 20 Schemes = 20.75% Average Returns of Top 30 Schemes = 19.98%

(SIP Return of 54 Diversified Equity Schemes in Percentage as on 31st December, 2012)

Average Returns of Top 10 Schemes = 23.91 % (SIP Return of 22 Diversified Equity Schemes in Percentage as on 31st December, 2012)

SIP RETURNS: LAST 5 YEARS



SIP RETURNS: IN NEXT 5 YEARS ? 10 YEARS? 15 YEARS ? < = > 18%MY CARE26

MUTUAL FUND CAGR (%) CURRENT VALUE

Sundaram Select Midcap - Gr 32.6 16,80,487

Reliance Growth Fund 32.16 16,25,550

SBI Magnum Global Fund 94 - Div 30 13,78,585

HDFC Top 200 Fund - Div 29.34 13,10,173

Franklin India Prima Fund - Gr 27.49 11,34,387

Tata Pure Equity Fund - Gr 27.29 11,16,716

DSP BlackRock Opportunities Fund - Gr 26.82 10,76,162

Kotak 50 Equity Scheme - Div 24.75 9,12,863

Average of Diversified Equity Scheme 24.95 9,27,604

SENSEX (BSE 30) 19.12 5,75.237

BSE 200 20 6,19,174

CNX Midcap 23.57 8,30,100

NSC 500 19.53 5,95,346

VALUE OF 1,00,000 INVESTED 10 YEARS BEFORE (VALUE ON 31ST DEC2012)

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GROWTH IN DIFFERENT ASSET CLASSES: VALUE ON 31-12-2012

66,510 1,11,840 1,41,460

1,51,480

53,740

8,93,170

0

1,00,000

2,00,000

3,00,000

4,00,000

5,00,000

6,00,000

7,00,000

8,00,000

9,00,000

10,00,000

Inflation Gold Silver Co Deposit Bank Deposit Sensex

Growth of 10,000 in Different Asset Classes Since 1981-1982

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ANNUAL PERFORMANCE BY ASSET CLASSES :LAST 14 YEARS {1999 -- 2012}S.NO CALANDER YEAR GOLD (%) PROPERTY (%) EQUITY (%) BANK FD (%)

1 1999 2 -3 95 10

2 2000 1 0 -21 9

3 2001 5 3 -22 9

4 2002 23 6 9 8

5 2003 13 9 87 6

6 2004 1 16 19 5

7 2005 9 29 41 6

8 2006 21 31 43 6

9 2007 16 49 61 8

10 2008 26 16 -54 8

11 2009 24 -11 86 10

12 2010 23 15 17 6

13 2011 32 7 -25 9

14 2012 12 10 31 9

Average 14.86 12.64 26.21 7.79Value of 10,00,000 invested

(Value in 2012 if invested in 1999) 69,56,061 52,73,239 2,60,20,326 28,58,239

Source : Bloomberg, BSE, Company Data, HDFC Ltd, Morgan Stanley Research

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PROPERTY VS EQUITY MUTUAL FUNDS

PROPERTY EQUITY MUTUAL FUNDS

HUGE AMOUNT IS REQUIRED HUGE AMOUNT IS NOT REQUIRED

HIGH TRANSACTION COST (12-15%) NO TRANSACTION COST

HASSELS IN TRANSACTION NO HASSELS IN TRANSACTION

NO LIQUIDITY & RESTRICTED FLEXIBILITY FULL LIQUIDITY & HIGHLY FLEXIBLE

SECTOR IS NOT REGULATED WELL REGULATED BY SEBI(GOVT.)

RISK OF FRAUD NO SUCH RISK

BLACK MONEY MAY BE INVOLVED BLACK MONEY IS NEVER INVOLVED

RETURNS ARE TAXABLE (LTCG: 20%) RETURNS ARE TAX FREE (LTCG: 0% AFTER 1 YEAR)

PERFORMANCE IN LAST 14 YEARS 12.64% PERFORMANCE IN LAST 14 YEARS 26.21%

10,00,000 TO 52,73,239 IN LAST 14 YEARS 10,00,000 TO 2,60,20,326 IN LAST 14 YEARS

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DIRECT SHARE TRADING VS EQUITY MUTUAL FUNDS

DIRECT SHARE TRADING EQUITY MUTUAL FUNDS

HIGH INVESTMENT AMOUNT NEEDED LOW INVESTMENT AMOUNT IS NEEDED

LACK OF EXPERTISE (INVESTOR) PROFESSIONAL EXPERTISE (FUND MANAGER)

INADEQUATE INFORMATION ON TIME HIGH QUALITY & TIMELY INFORMATION

LOW DIVERSIFICATION HIGH DIVERSIFICATION

HIGH RISK LOW RISK

LOW FLEXIBILITY HIGH FLEXIBILITY

HIGH TRANSACTION COSTS LOW TRANSACTION COSTS (EXIT LOAD)

LOW TRANSPARENCY FROM BROKER HIGHLY TRANSPARENT (FUND HOUSE)

LACK OF MANAGEMENT BY INVESTOR FULL TIME FUND MANAGEMENT TEAM

INVESTOR ENGAGEMENT IS REQUIRED INVESTOR ENGAGEMENT IS NOT REQUIRED

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MUTUAL FUNDS: LIQUID MONEY MANAGEMENT

SAVING BANK ACCOUNT LIQUID MUTUAL FUNDS

RETURNS 4% ANNUAL RETURNS 8% ANNUAL (APROXX, 7% TO 9%)

INTREST CREDITED QTLY OR HALF YEARLY INTREST IS CREDITED DAILY

TDS DEDUCTED IF INTREST > 10,000 PA TDS IS NOT DEDUCTED (NO ENRTY/EXIT LOAD)

ATM CUM DEBIT CARD FACILITY - YES YES & MORE FLEXIBLE (IN SELECTED SCHEMES)

1,00,000 WILL GIVE YOU 21,665 IN 5 YEARS 1,00,000 WILL GIVE YOU 47,000 IN 5 YEARS

1. THIS IS THE RIGHT INSTRUMENT TO PARK YOUR LIQUID MONEY

2. VERY EASY TO OPERATE, ONLINE TRANSACTION FACILITY AVAILABLE

3. FIXED DEPOSITS LIKE PRODUCTS ARE ALSO AVAILABLE IN MUTUAL FUNDS WITH BETTER

RETURNS THAN BANK FIXED DEPOSITS.

4. MY CARE WILL FURTHER HELP YOU ON THESE PRODUCTSMY CARE32

HEALTH INSURANCE: YOU MUST HAVE ADEQUATE & RIGHT HEALTH INSURANCE POLICY

HEALTH INSURANCE IS A TYPE OF INSURANCE THAT COVERS YOUR MEDICAL EXPENSES

HEALTH INSURANCE PROTECTS US FROM SUDDEN, UNEXPECTED COSTS OF HOSPITALIZATION

HEALTHCARE IS INCREASINGLY EXPENSIVE, WITH TECHNOLOGICAL ADVANCES

CONVENIENT CASHLESS CLAIM BENEFITS & CAN BE USED MULTIPLE TIMES UPTO SUM ASSURED

THERE ARE MANY LOOPHOLES & TECHNICAL ISSUES IN BUYING A HEALTH INSURANCE POLICY

SUM ASSURED OF 25,00,000 IS AVAILABLE IN JUST 12,000 TO 15,000 ONLY (AGE DEPENDENT)

THERE ARE MANY ISSUES RELATED TO CLAIM SETTELMENT, WITH NETWORK HOSPITALS ETC.

My Care WILL HELP YOU TO BUY THE BEST HEALTH INSURANCE POLICY

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LIFE INSURANCE: YOU MUST HAVE ADEQUATE & RIGHT TERMLIFE INSURANCE POLICY

LIFE INSURANCE IS A TYPE OF INSURANCE THAT COVERS THE RISK OF LIFE

PROTECTS YOUR LOVEDONES FROM SUDDEN FINANCIAL CRISIS IN UNEXPECTED MISHAPPENING

ADEQUATE LIFE INSURANCE IS MUST FOR YOUR LOVEDONES/DEPENDENTS IN YOUR ABSENCE

TERM INSURANCE POLICIES OF 1 CRORE SUM ASSURED ARE AVAILABLE IN JUST 8,000 ANNUAL

THERE ARE MANY LOOPHOLES & TECHNICAL ISSUES IN BUYING A LIFE INSURANCE POLICY

OTHERWISE THERE MAY BE MAJOR FINANCIAL CRISIS OR EVEN MAY LEAD TO INDEBTEDNESS

THERE ARE MANY ISSUES IN CLAIM SETTELMENT, VARIES WITH COMPANY TO COMPANY, ETC.

MY CARE WILL HELP YOU TO BUY THE BEST LIFE INSURANCE POLICY .

MY CARE34

FINANCIAL PRODUCTS SUPPORT BY MY CARE:

1

DOING YOUR FINANCIAL HEALTH CHECKUP INCLUDING YOUR INCOME AND YOUREXPENDITURE, INVESTMENTS, ASSETS, LOANS, LIABILITIES ETC.

ANALYSIS OF YOUR CURRENT FINANCIAL SITUATION & FINANCIAL RESOURCES

2

HELPING YOU IN DEVELOPING YOUR FINANCIAL GOALS & SCANNING YOUR RISK TO KNOW YOURRISK PROFILE

PREPARING PERSONAL INVESTMENT NEED ASSESSMENT for you{WORTH 50,000 OR MORE}

3

RECOMMENDING YOU THE BEST FINANCIAL TOOLS AVAILABLE FOR INVESTMENTS, PROTECTIONNEEDS & OTHER STRATEGIES. {VERY IMPORTANT FOR PROTECTION OF YOUR HARD EARNED MONEY, WORTH ....???}

FULL IMPLEMENTATION SUPPORT (MANUAL, ONLINE AND CALL & TRANSACTION OPTIONS)

4

ONLINE TRANSACTION ACCOUNT LINKED TO YOUR BANK ACCOUNT WITH ZERO BROKERAGE INALL MUTUAL FUND TRANSACTIONS (WORTH 1,00,000 OR MORE IN 25 YEARS)(MAINTAINANCE FEE OF JUST 300 PA)

PAPER FREE ACCOUNT FOR SIP, PURCHASE, REDEMPTION, STP, SWP IN MF, SHARES, ETF ETC.

FINANCIAL PRODUCTS SUPPORT IS IMPORTANT FOR GOAL ACHIEVEMENT ON RIGHT TIME

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FINANCIAL PRODUCTS SUPPORT BY MY CARE:

5

PERSONAL WEALTH ACCOUNT FOR TRACKING OF YOUR INVESTMENTS {WORTH 50,000 OR MORE} DETAILED TRACKING OF YOUR INVESTMENTS LIKE AMOUNT INVESTED, TRANSACTION

HISTORY, CURRENT STATUS, DETAILED PROFIT & LOSS CALCULATION, CAGR, COMPARISION WITHBENCHMARKS, DETAILED REPORTING OF PORTFOLIO, INFLATION ETC & PDF & EXCEL EXPORT.

6

PERIODICAL ASSESSMENT OF YOUR INVESTMENTS & PORTFOLIO WITHOUT ANNUAL AUMMAINTAINANCE CHARGES {WORTH 5,O0,000 OR MORE} & TAX PLANNING.

SUGGESTING YOU THE REQUIRED CHANGES IN YOUR PORTFOLIO PERIODICALLY (IF NEEDED)

7

My Care FINANCIAL EDUCATION SYSTEM. (WORTH..??? INVALUABLE) BASIC CONCEPTS OF FINANCIAL PRODUCTS SUPPORT & MANAGEMENT, STUDY

MATERIAL, FINANCIAL EDUCATION SEMINARS , RECENT UPDATES & MUCH MORE. CONTINUOUS PROCESS.

FINANCIAL PRODUCTS SUPPORT IS IMPORTANT FOR GOAL ACHIEVEMENT ON RIGHT TIME

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BENEFITS OF FINANCIAL PRODUCTS SUPPORT BY MY CARE:

ALL FINANCIAL TOOLS AVAILABE UNDER ONE ROOF

UNBIASED & TRANSPARENT ADVICE (VERY IMPORTANT FOR YOUR FINANCIAL HEALTH)

PREMIUM SERVICES AVAILABLE AT A VERY LOW COST PAPER FREE TRANSACTIONS

BETTER TAX PLANNING, BETTER RISK PLANNING (LIFE & HEALTH RISK COVERS)

FREE FINANCIAL EDUCATION SYSTEM CFE (CONTINUOUS FINANCIAL EDUCATION)

PLATFORM FOR UNDERSTANDING THE ART OF FINANCIAL MANAGEMENT

COST EFFECTIVE & BEST ASSISTANCE FOR YOUR GOAL ACHIEVEMENT

MY CARE37

PROCESS OF FINANCIAL PRODUCTS SUPPORT BY MY CARE:

Register yourself to My Care Family & get your My Care Registration Number.

Fill up the Financial Products Support Application Form Carefully (Manual or Online)

Fill up the My Care Referral System Form, Paste your Photo & sign on both side of form.(OPTIONAL)

Provide Your Details & Documents for Online Transaction Account

1. PAN Card Self Attested Copy

2. Address Proof Self Attested Copy

3. Cancelled Cheque with Name Print (else with passbook)

Check your Mobile Inbox & Email for welcome message.

Kindly go through the attachments of welcome mail for better understanding.

You will receive the soft copy of duly filled Online Transaction Form on your registered email

address.

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Take print on both sides of paper, sign as per list, past photo, cross sign, attach necessary

documents & submit to your sponsor or My Care Office as soon as possible

Once your Investment Need Assessment & Accounts (Wealth Account & Transaction Account)

are ready, well call you for the initial first meeting with us (after one month of association).

The first meeting will include discussion of your Investment Need Assessment, Wealth

Account & Transaction Account and Implementation & Operational Procedures.

Contact us for next meetings, once in six months, for revision in your portfolio (mandatory).

Stay in touch with your sponsor for latest updates, attend all CFE (Continuous Financial

Education) like Financial Education Seminars for financial education, read email

communications, attend all important meetings etc.

Feel free to contact us or your sponsor for any support.

PROCESS OF FINANCIAL PRODUCTS SUPPORT BY MY CARE:

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SUMMARY OF DISCUSSION Financial Products Support & its Importance

Inflation & its Effect in your Financial Condition

Financial Tools & Comparison

Power of Compounding & 1 Crore Plan

Equity (Not Risky in Long Term) & other Asset Classes

Mutual Funds & Systematic Investment Plan (SIP)

Health Insurance, Life Insurance & their Importance

Personal Financial Products Support Package by My Care

Benefits of Financial Products Support by My Care

Process of Financial Products Support by My Care

MY CARE40

THANK YOU

IF YOU ARE BORN POOR, ITS NOT YOUR MISTAKE. BUT, IF YOU DIE POOR, IT'S YOUR

MISTAKE. - BILL GATES

I THINK SOUND INVESTING CAN MAKE YOU VERY WEALTHY IF YOURE NOT IN TOO BIG

OF A HURRY. AND IT NEVER MAKES YOU POOR, WHICH IS BETTER. - WARREN BUFFET

MY CARE

1. My Care FPS (1)

Documents

Transcript of 1. My Care FPS (1)