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short term and Periodic Investments, good returns

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short term and Periodic Investments, good returns

  1. 1. Which is the best product you will advise your savings bank customer, who is saving Rs.5000/month in her savings a/c. She wants to go for International Trip on Jan 2015. Suggest Best products based on today’s economic scenario that gives good returns. Faculty Name : Mr. Vishwanathan PRESENTER’s NAME PRESENTER’s ID Bhavana Battu E130031000126 Karthik Goud E130031000148 Raj Sekhar E130031000127 Silambarasan Elango E130031000132
  2. 2. Scenario : Mrs. SriDevi can save Rs.5000/month.  She dreamt to have an International Trip on Jan 2015.  Suggest best Investment plans , which will give good returns on Jan 2015, And make her “Dream Come True”.
  3. 3. 1. Factors to be considered 2. Available Options 3. Recurring Deposits 4. Power of Compounding 5. Mutual Funds 6. Debt Market Instruments 7. Systematic Investment Plan (SIP) 8. Power of Diversification 9. Best of Best in SIP 10. Conclusion
  4. 4.  Periodic Investment.  Type of Customer.  Customer’s opinion on market.  Current progress in Market.
  5. 5. Considering the factors :- Short Term, Periodic Investment. We have below appropriate options .  Recurring Deposit.  Mutual Funds. • Debt Instruments. • Systematic Investment Plan.
  6. 6. - Facilitates the Customers with an opportunity to Build up their Savings through ”Regular Monthly Deposits” of Fixed Sum over a Fixed period of Time. Latest news on Interest Rate:- Lakshmi Vilas Bank has revised interest rates on some domestic term deposits. for deposits of maturity one year, the interest rate has been revised to 10% from 9.5% earlier. RBI hikes repo rate to 7.5%.... The Reserve Bank of India raised repo rate or the rate at which it lends to banks by 25 basis points to anchor inflation and inflationary expectations. The repo rate is increased to 7.5% from 7.25% with immediate effect.
  7. 7. Accumulated Amount 90000 80000 70000 60000 50000 40000 30000 20000 10000 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Withdraw Accumulated Amount
  8. 8.  Mutual fund is a mechanism for pooling the resources by issuing Units to the investors and investing funds in Securities . Mutual fund issues units to the investors ( Unit Holders ) in accordance with quantum of money invested by them. The Profits or Losses are shared by the Investors in proportion to their investments. source: www.sebi.gov.in Available Options : • Debt Instruments ( Bonds & Equity Shares) • Systematic Investment Plan ( SIP )
  9. 9. BONDS In simple terms, organizations borrow funds by issuing debt securities named bonds, having a Fixed maturity period (more than one year) and pay a specified rate of interest (coupon rate) on the principal amount to the holders. EQUITY Equity is the ownership interest of investors in a business firm. Investors can own equity shares in a firm in the form of common stock or preferred stock. Equity ownership in the firm means that the original business owner no longer owns 100% of the firm but shares ownership with others.
  10. 10. A way of investing regularly in Mutual Fund Schemes. Units are allotted at the Net Asset Value existing on the day of investment. Net Asset Value ( NAV ) NAV per unit is the market value of securities of a scheme divided by the total number of units of the scheme on any particular date. For example, if the market value of securities of a mutual fund scheme is Rs 200 lakhs and the mutual fund has issued 10 lakhs units of Rs. 20 each to the investors, then the NAV per unit of the fund is Rs.20.
  11. 11. Who Excels now ? Franklin India Bluechip Fund Axis Equity Fund Reliance Top 200 Fund Birla Sun Life Frontline Equity Fund CRISIL (Credit Rating Information Services of India Limited ):- a global analytical company providing ratings, research, and risk and policy advisory services. - evaluates the credit worthiness of a debtor, especially a business (company) or a government. The evaluation is made by a credit rating agency of the debtor's ability to pay back the debt and the likelihood of default.
  12. 12.  Stock of a large, well-established and financially sound company that has operated for many years.  A blue-chip stock typically has a market capitalization in the billions, and is generally the market leader or among the top three companies in its sector. Few of the Top Holding Companies:    Infosys Ltd. Bharti Airtel Ltd. ICICI Bank Ltd. Reliance Industries Ltd.
  13. 13. Last 6 Months: This Month:
  14. 14. Investment Date Amount (Rs) Purchase Price ( NAV ) Units Purchased 01-10-2013 5000 32.07 155.9089 01-11-2013 5000 32.01 156.2012 01-12-2013 5000 31.98 156.3477 01-01-2014 5000 32.87 152.1144 01-02-2014 5000 32.55 153.6098 01-03-2014 5000 33.45 149.4768 01-04-2014 5000 33.89 147.5361 01-05-2014 5000 34.18 146.2844 01-06-2014 5000 35.27 141.7635 01-07-2014 5000 35.9 139.2758 01-08-2014 5000 36.23 138.0072 01-09-2014 5000 35.76 139.821 01-10-2014 5000 36.9 135.5014 01-11-2014 5000 37.29 134.0842 01-12-2014 5000 37.65 132.8021 Withdrawing on 30-12-2014 Total Units Purchased 2178.735 Each Unit costs 37.59 Actual Amount deposited Return Return percent Net Return Percent 75000 81898.63 109.2 9.2
  15. 15. Last 6 Months: This Month:
  16. 16. Amount (Rs) Investent Date Purchase Price ( NAV ) Units Purchased 01-10-2013 5000 10.07 496.5243297 01-11-2013 5000 10.01 499.5004995 01-12-2013 5000 10.98 455.3734062 01-01-2014 5000 11.87 421.2299916 01-02-2014 5000 10.55 473.9336493 01-03-2014 5000 10.45 478.4688995 01-04-2014 5000 12.89 387.897595 01-05-2014 5000 12.18 410.5090312 01-06-2014 5000 12.27 407.4979625 01-07-2014 5000 13.9 359.7122302 01-08-2014 5000 12.23 408.8307441 01-09-2014 5000 12.76 391.8495298 01-10-2014 5000 11.9 420.1680672 01-11-2014 5000 12.29 406.8348251 01-12-2014 5000 12.65 395.256917 Total Units Purchased 6413.587678 Withdrawing on 30-12-2014 Each Unit costs 12.49 Actual Amount deposited Return 80105.71 Return percent Net Return Percent 75000 106.8 6.8
  17. 17.  If we Diversify the investment amount between Franklin India bluechip Fund and Axis Equity Fund. And if few portion with Recurring deposits also.  Chances of Neutralising the risk will be a Great Plus.  Recommended to Split the Investment amount. And Invest in 2 or 3 facilities. In case of “ Bad performance “ by one of the Fund, other will help you out.
  18. 18. Low Risk: Recurring Deposit Medium Risk: Systematic Investment Plan High Risk: Bonds & Shares
  19. 19. sebi.gov.in rbi.org.in economictimes.indiatimes.com moneycontrol.com crisil.com frankintempletonindia.com wikipedia.com

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