Investment Opportunities in India

BM Fiscal Point Advisors Pvt Ltd is a JV of two, successfully running Wealth Management Companies in India.

The group has over 50 man years of experience and has a client base in various countries.

Together we manage about 40 million USD (INR 240 Crore) of Retail, HNI wealth and about 160 million USD (INR 960 Crore) of Institution and Corporate wealth.

Our comprehensive and research backed range of products and services embrace all assets classes

COMPANY PROFILE

Ujwal MaratheA qualified Chartered Accountant and Certified Financial Planner with over 28 years of experience in financial services industry .

Gautam Bhalla A graduate from Pune University and has over 12 years of experience in financial service industry and banking and NBFCs.

Karim MeghaniA MBA Finance from Symbiosis and has over 10 yrs of experience in Wealth Management industry spread across NBFCs and banks.

DIRECTORS’ PROFILE

Your hard earned money… well invested... should become an ‘Asset’…

But…

has it become a ‘Liability’?

TIGHT ROPE-WALK

Inflation – Rising Education/Healthcare expenses Investment returns below expectations Adhoc investments made in the past Availability of unbiased advice In time action on the portfolio either to grab an opportunity or to safeguard the investments Periodic review of portfolio by experts Advisors keep changing

INVESTORS ‘ CONCERNS

INFLATION

BMFPA can bridge the gap

Investment Advisory Services Risk Profiling Financial Planning Goal based investments Customized Portfolio Advisory Services Retirement Planning Estate Planning & drafting Wills

OUR EXPERTIZE

Asset Allocation Customized Portfolio Designing Value Investing Appropriate Product selection using various parameters Periodic Review and monitoring of Portfolio Restructuring/ Rebalancing of Portfolio

OUR STRATEGIES

Diversify your investments across various asset classes

ASSET ALLOCATION

Value based investingS&P CNX Nifty Equity Debt

P/E (X) (%) (%)

Less than 12 100.00 0.00

12 - 15 90.00 10.00

15 - 18 80.00 20.00

18 - 21 60.00 40.00

21 - 24 40.00 60.00

24 - 27 20.00 80.00

above 27 0.00 100.00

VALUE INVESTING

OUR STRATEGIES

OUR TECHNOLOGY PARTNER

iFAST - Asia’s largest Wealth Management Platform

•An Award winning and online Wealth Management Platform based in Singapore.

•Providing solutions to financial advisors to help manage their clients portfolio with international standards and practices

•Using high end technology, research and tools for executing a comprehensive range of investment strategies

•Market leader also in other developed markets like Hong Kong and Malaysia

TECHNOLOGY BENEFITS

•Almost zero paperwork and repetitive documentation

•Complete transparency

•Consolidated reporting of your investments

•Faster execution

•Active management …24 x7

•One time – Account Opening / Forms / Cheques

• Online Access

•Better returns through Asset Allocation

India…. The super growth story

But…. Where are we today?

INDIAN ECONOMY

For seeds of ‘INACTION’ sown for the past few years . . .

. . . Now reaping the ‘SLOWDOWN’

INDIAN ECONOMY

Equity Index– even after 6 years – at same levels!

But. . .

Are these also the BEST of times???

Quote

Long term growth seeds being sown – Several structural improvements still below ‘radar of analysts’

•Fuel price hikes irreversible – Regular diesel price hikes by Rs 0.45/lit helps reducing Fiscal deficit• Direct Cash Transfer – potential to reduce future subsidies substantially •GST and DTC...to come sooner than later...no going back •FDI in sectors like retail.....opposition to FDI slowly ceding ground....can potentially attract large investments •Restrictions on Gold imports and several steps by government/ RBI has helped stabilize the Rupee

Few more ‘seeds’....that will bear fruit in due course

FDI in Multi-brand retail , Aviation, Insurance ......more FDI to follow . Can potentially bring in large scale investments

Land Acquisition and Real Estate Bill expected to bring one of India’s largest ‘grey’ industry under regulation

Stalled Infra projects put in fast track, Large scale Infra investments on cards

New bank licenses- To improve reach of banking sector in unbanked areas – expanding financial inclusion net

These relatively smaller steps will contribute to increasing ‘the investibility’ of Indian markets

What will India reap in future – the next decade! GDP growth pushed to higher levels 7-9% once more

Tax to GDP ratio increases

India Current Account Surplus!

Indian markets to trade athigher PE multiples – neardeveloped markets

Demand Supply structural issues addressed – inflation below 3%!

Fiscal deficit reduced to 2% of GDP!

FDI Inflows increase to $70-80bn annually

Several key reforms undertaken

Fiscal deficit contained

FDI limits raised for several sectors

Renewed focus on infrastructure

Direct Cash Transfer roll out

DTC implementation GST roll out

The ‘seeds’ are being sown, but is the ‘ground’ fertile?

Source: CSO

Upward shift in savings and investment ratios

ONE OF THE HIGHEST SAVINGS RATE IN THE WORLD

DEMOGRAPHIC DIVIDEND – EMPHASISES SECULARITYIncrease in work force 2010-2020

India’s demographic provide a huge multigenerational advantage vis-à-vis other

countries

Over 50% of the Indian population is under the age of 24 years old

India is expected to add another 136 million to its work force by 2020

Its working age population is expected to peak after close to 30 years (by 2040)

India – A solid long-term growth storyNot Dependant Only on Government

In the past, elections have been a good trigger point for market direction

Why Equities now? – 2014 General Elections

Never depend on single income.Make investment to create a second source.

- Warren Buffet

We value our clients…..

and…

our clients value us for our integrity, expertize and high service standards

OUR OPERATIONS

•Fiscal Point Consultant Pvt. Ltd. Has Been Nominated for UTI Fiscal Point Consultant Pvt. Ltd. Has Been Nominated for UTI CNBC TV 18 Financial Advisor Awards 2012-13 CNBC TV 18 Financial Advisor Awards 2012-13in NRI categoryin NRI category

AWARDS & RECOGNITIONS

THANK YOUTHANK YOU

BM Fiscal Point Advisors Pvt LtdBM Fiscal Point Advisors Pvt Ltd

Contact : Singapore + 65 81917481Contact : Singapore + 65 81917481

: India + 91 9822010170: India + 91 9822010170

email : email : contactus@bmfpa.com

www. bmfpa.comwww. bmfpa.com

•Paperless transactions through Maker and Checker facility

•One time documentation for Account opening

•Dedicated NRE/ NRO account with Axis bank for your investments

•Access to research reports

•Access to your portfolio with independent and secured login

OUR OPERATIONS