We are an independent financial and real estate advisor engaged in the distribution of financial products & services, real estate, and loans.

1. Your Partner for :
- Financial Planning
- Wealth Management
- Tax Planning
- Portfolio Management
- Mutual Funds
- Insurance
- Real Estate
- Home Loans
- Estate Planning (Wills)

2. What Rs 2000 per month can get you….
A luxurious dinner for your family
Visiting your nearest relative place
Buy your monthly grocery
Make you a Millionaire*
*please refer slide 3 for more details

3. What does it take to create wealth…
Value /Yrs 3 5 10 15
5,00,000 12,000 7000 2,500 1,200
10,00,000 23,800 13,000 4,900 2,400
25,00,000 60,000 32,500 12,200 6,000
50,00,000 1,20,000 64,500 24,300 12,000
100,00,000 2,38,000 1,30,000 48,500 24,000
This is just an illustration, explaining the power of compounding concept and should not be assumed as a promise, guarantee or forecast on
minimum returns and safeguard of capital. SIP does not assure a profit or guarantee protection against loss in a declining market. The
calculation shows the outcome of investing a specified amount at a certain assumed rate of interest per annum.
The table shows the SIP amount required to be invested per month for achieving the target amount in
the specified time period. The hypothetical rate of return on the investments is assumed at 10% p.a.
Investing Rs 2400 per
month @ 10% p.a for
15 yrs makes you a
Millionaire

4. Most likely reasons to invest…..
Everyone has one or more of the above reasons to invest for!
Child’s Education
Child’s Marriage
Housing
Retirement
Safety

5. SEVEN SUCCESSFUL HABITS OF INVESTING
 Start early
 Don’t time the market
 Prudent Asset allocation
 Invest regularly
 Understand the risk reward ratio
 Have a set investment objective
 Invest for long term
Would you like
to guess the
8th
habit that
we got for
you?

6. Insure your financial goals…..
Before we know more about this product….let us understand
the investment climate around us!
8th SUCCESSFULL HABIT OF INVESTING

7. VALUE OF MONEY OVER TIME
Impact of Inflation on monthly expenses of Rs 20,000
20,000
25,526
32,578
41,579
53,066
-
10,000
20,000
30,000
40,000
50,000
60,000
Today 5 years 10 years 15 years 20 years
Period
MonthlyExpsinRs
Inflation @ 5% p.a
Value of Rs 1 lac over time
100,000
78,353
61,391
48,102
37,689
-
20,000
40,000
60,000
80,000
100,000
120,000
Today 5 years 10 years 15 years 20 years
Period
ValueofMoney
Inflation – A Devil, weInflation – A Devil, we
need to beat it!need to beat it!

8. WHERE DO PEOPLE SAVE THEIR MONEY?
Banks, 44.9
Postal Savings,
11.6
Life insurance, 32.8
Chit fund/NBFC,
9.4
Gold, 5.8Mutual Fund, 1.2
Real Estate, 5
Equity market, 1.1
Source: Invest India Incomes and Savings Survey 2018**
Mutual Fund as an Asset Class has a very low penetration

9. Its not the timing
but the time in the market which matters
Long Term Investing – Case Studies
Invest Systematically…..Invest Systematically…..

10. Invest Long term…
Money grows over a period of time…
Rs 1000 invested at 8% p.a every month for…
… just like a rolling snowball gathers snow & grows.
This is an hypothetical illustration to explain the concept of “Power of Compounding”.
Past Performance may or may not be sustained in future.
Power of Compounding
184,166
348,345
592,947
60,000
240,000
180,000
120,000
73,967
-
100,000
200,000
300,000
400,000
500,000
600,000
5 yrs 10 yrs 15 yrs 20yrs
Period
Amountafter
compounding
Principal Amount

11. IT ALWAYS PAYS TO START EARLY & SAVE FOR RETIREMENT
B holds for
20 years
A holds for
30 years
 A & B invest Rs. 2000 every month, earning interest @ 8% p.a. on a monthly compounding
basis
 A starts at the age of 25 yrs, while B starts investing at the age of 35 yrs
 Both of them invest for 5 yrs (Rs. 1.2 lacs) and hold their investments till 60 yrs. of age
 A’s investment appreciated to over Rs.14,88,603 while B’s investment grew to only Rs.
6,89,511
Only an illustration to explain the power of compounding.
Start Early
120,000 120,000
1,488,603
689,511
-
500,000
1,000,000
1,500,000
A B
People Who have invested
AmountattheAgeof
60

12. & Don’t Time the Market…
Scenarios Investor buys
at Market
Peaks
Investor buys
at Market
Lows
Investor buys at
constant interval
BSE Sensex 16.69% 23.09% 19.12%
BSE 100 17.64% 24.73% 20.58%
Reliance Growth Fund-Retail Plan-
Growth Plan – Growth Option* (RGF)
36.65% 42.13% 38.28%
Reliance Regular Savings Fund-
Equity Option- Growth Plan *
(RRSF- EQ)
27.16% 47.92% 36.03%
Rs 10,000 invested every year for a period of 16 years in RGF from Jan 03 to April 19 & in RRSF- EQ
for a period of 7 years from June 12 to April 19
Past Performance may or may not be sustained in future.
*Returns as on 30th
April 19

13.  Simple, straightforward way to create
long term wealth
 Understand and embrace
risk
 Put time on your side
 Invest systematically
 Don’t worry about market timing
 A tried & tested method
Make the right choice….
 The alternative is to :
Follow markets very closely
Time your entry and exit very well
Select your stocks judiciously
And hope that you get it right more
often than not!
The choice is yours to make………..

14. SYSTEMATIC INVESTMENT PLAN (SIP) & ITS BENEFITS
Inculcates
savings habit
Eliminates
need for
timing
markets
Helps
averaging cost
of investment
Protects
against market
volatility
Improves
probability
of better
returns
SIP is a long term investment technique under which you invest a fixed sum of
money
on a monthly or quarterly basis in a mutual fund scheme at the prevailing NAV.
This allows you to save and invest regularly while you are earning.

15. Past Performance of SIP in Reliance Growth Fund
SIP
Installment /
Yrs 3 Years 5 Years 10 Years
Since
Inception
2,000 1,03,985 1,90,429 5,34,487 95,47,569
3,000 1,55,980 2,85,645 8,01,737 1,43,21,352
5,000 2,59,971 4,76,079 13,36,230 2,38,68,926
10,000 5,19,940 9,52,156 26,72,451 4,77,37,844
15,000 7,79,915 14,28,240 40,08,690 7,16,06,765
Inception Date: 8th Dec 1995. Returns are of Retail Plan- Growth Plan – Growth option as on 31st Aug 2018
Past Performance may or may not be sustained in future.
The above table shows the historical SIP performance of Reliance Growth Fund (Retail Plan – Growth Plan – Growth
option)
For example; A person who had made an SIP of Rs 5000 p.m in the above fund since inception on 8th
Dec 1995 would
have invested Rs 14.10 lacs by 31st
Aug 2018 and have earned a total amount of Rs 2.38 crs (As per the highlighted cell)

16. PPF
VS
ELSS MUTUAL FUNDS

18. THANKS FORYOURTIME
FinVise India
Contact Us : 9582250638
Email us at contact@finviseindia.com
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