How to become Crorepati in 25 years
•Als PPTX, PDF herunterladen•
0 gefällt mir•407 views
This slide analyses various money investment instruments through which 1 crore INR rupees can be earned over 25 years. It also suggests a sample portfolio for monthly investment plan.
Empfohlen
Empfohlen
Weitere ähnliche Inhalte
Was ist angesagt?
Was ist angesagt? (20)
Ähnlich wie How to become Crorepati in 25 years
Ähnlich wie How to become Crorepati in 25 years (20)
Kürzlich hochgeladen
Kürzlich hochgeladen (20)
How to become Crorepati in 25 years
- 1. Presenter: Neeraj Maurya Date : 13-Oct-2015 Venue : Capgemini, Airoli Presented at an internal knowledge sharing session (Guftgu) for the benefit of all the colleagues
- 4. Your investment must grow at (For 5000 per month) Every month investment Req. (with 10% Rate Growth) Age 25 13% per annum 8000/- Age 30 17% per annum 14000/- Age 35 26% per annum 25000/- Age 40 44% per annum 50000/-
- 5. Fixed Deposit returns (7-8%) Saving Account returns (4%) Recurring Deposit returns (8.2%)
- 6. SAVING ACCOUNT INTEREST CALCULATION Before 2010 After 2010 Annual Interest of 4% Daily interest = Interest per annum/365 i.e. = 4/365 = 0.010958% For 3000/- for 1 month interest is 7/- For 3000/- for 1 month interest is 20/- Opening Balance Credit Debit Closing Balance 1-Jan-2015 3,000 0 0 3000 21-Jan-2015 1000 2000 25-Jan-2015 2000 4000 31-Jan-2015 4000 Before 2010 After 2010 Lowest Balance * 4% = 2000 * 4% = 80/12 = 7/ Interest Earned =7/- 3000 * 20 days * 0.010958% = 7/- 2000 * 4 days * 0.010958% = 4/- 4000 * 7 days * 0.010958% = 9/- Interest Earned =20/- Sample Scenario & Calculation
- 7. 8th Wonder of world Interest earned is added to principle Compounded Monthly, Quarterly, Half- Quarterly, Yearly Rule of 72
- 8. GOLD (RETURNS 10 TO 12%) To become Crorepati Duration : 25 Years Every month Investment : 8000/- Recognized/ ReliableEasy to buy/sell Can be used as Ornaments Very Liquid Threat of Theft ETF or Gold Funds
- 9. Minimum (Per year) Maximum (Per year) Returns Lock-in Period PPF 500 100, 000 8.8% 15 years + 5 Years NSC Sold in denomination of Rs 100/- - 8.8% 6 Years Bank Fix Deposit - - 7-8% 5 Years Mortgage /Lease - - Agreement Agreement Bonds - - Agreement Agreement Provident Fund (PF) - - 8% 5 Years, till Employment DEBT (RETURNS 8-9%) IS LOAN, AND CARRIES A FIXED RATE OF INTEREST, AND A PROMISE TO REPAY. Other Post Office Instruments : Kisan Vikas Patra, Monthly Income Sheme, Recurring Deposit….
- 10. NSC, PPF, BOND
- 11. SHARE MARKET (RETURNS 15-18%) Good Analysis required Big growth Know Settlement System High Risk Position/ Day/Margin Trading Stock Year Investment Returns Year 2015 Infosys 1993 9500/- 3 Crore Satyam 2005 38000/- 2 Lac Sample Growth Demat Ac required
- 12. MUTUAL FUND RETURNS (15-20%) Mr. A Mr. B Mr. B (Double Tenure) Age 25 35 35 Every Month Investment 5000 5000 10000 Duration 5 Years 5 Years 10 Years Total Investment 3 Lac 3 Lac 6 Lac Returns (at Age 60) 7 Crore 1.33 Crore 2 Crore SIP & LumpSum Investment Diversification Medium to High Risk Safe Returns Liquidity Open/Closed Ended Large/Mid/ Small Cap Sectorial & Gold Funds
- 14. REAL ESTATE Capital Growth Regular Monthly Income Tax Benefit Physical Asset/Used for Living Require Good Amount initially Hidden cost like Stamp Duty ,VAT, Maintenance, Repair Rent Free Periods Bad Tenants Not so easy to Liquidate Black Money
- 15. ELSS V/S ULIP Predictable Cost Very high first year charges Easily understandable returns Short Lock-in (3-5 years) Exit Load 1% (if withdrawn bef. 3 years) Transparent Investment Purely Investment Premium = Life Insurance + Admin Charges + Fund Mang. Charge + Investment Extra 30% charges (If withdrawn before 5 years) Less Transparency Insurance + Investment
- 16. ELSS (Equity-Linked Savings Schemes) ULIP (Unit Linked Insurance Plan) • Axis Long Term Equity, • BNP Paribas Long term Equity, • Franklin India Taxshield, • HDFC Standard Life • ICICI Prudential
- 17. INSURANCE POLICIES Endowment ULIP Term Insurance & Maturity Insurance & Investment & Maturity) Only Insurance No Maturity Yearly Premium 31000 25000 12200 Sum Assured 10 Lacs 2.5 Lacs 1 Crore Maturity Amount 21 Lacs Units * Rate Nil Returns 5.4% 10 year plan (6-12%) Nil
- 18. NEVER PUT ALL EGGS IN ONE BASKET (DIVERSIFICATION) Low Risk/ No Risk (50%) Medium Risk (30%) High Risk (20%) - Saving Account (4%) - ULIP - Stock Trading - Fixed Deposit(8-10%) - ELSS - NSE (8.8%) - Mutual Fund - PPF (8.8%) - Real Estate - Gold (10%) - Insurance (6%)
- 19. Instrument Interest Rate Every Month Investment Req. Risk Category Saving Account 4% 20000/- Low Fixed Deposit 8% 11000/- Low NSC 8.8% 9500/- Low PPF 8.8% 9500/- Low Insurance(ULIP) 9% 9000/- Medium Gold 10% 8000/- Medium Mutual Fund 16% 3500/- Medium to High Real State Medium to High Share Trading 15% 4000/- High To become Crorepati in 25 years
- 20. IDEAL PORTFOLIO TO BECOME CROREPATI Instrument Monthly Yearly Total Yearly Investment Returns (After 25 Years) Saving Account (4%) 500 6000 2,57,922 Fixed Deposit (8.5%) 500 6000 4,78,683 NSE (8.8%) 1000 12000 9,57,367 PPF (8.8%) 1000 12000 9,57,367 Gold (10%) 1000 12000 6,68,945 ELSS (16%) 1000 12000 39,65,218 Mutual Fund (15%) 500 6000 32,84,074 Equity Portfolio (16%) 500 6000 39,65,218 Term Insurance (Rate from LIC for 25 years) 12200 12200 No Returns (On death 1 Crore) Mediclaim 3500 For Self, Spouse and kid (Medical Cover of 2 Lac) 6000 15700 84200 Every month invested : 7308 Returns : 1.18 Crore (With: Life cover of 1 Crore + Mediclaim of 2 Lac for each) Assuming a person with monthly take home of 20000/- s/he just has to pay 30% of his salary for this goal
- 21. INFLATION (6%) Today’s value for future Rs. 1 crore are as follows 10 years- Rs.56 Lakhs 20 years- Rs.31 Lakhs 25 years- Rs.23 Lakhs 30 years- Rs.17 Lakhs
- 22. Go for debt mutual funds over fixed deposits. Never consider Insurance for investment. Surrender ULIP to restrain losses. Surrender Endowment Plans, Take Term Insurance. Make a balanced portfolio with diversification. Keep the EMI dates during end of month. We earn regularly. We spend regularly. Shouldn’t we also invest regularly? ADVICE
Hinweis der Redaktion
- I assume that you have fair idea of Interest There are two objective of this session To let you make feel crorepati Get you familiar with some words like Compounding, debt, ELSS, ULIP, Bonds etc.
- Get you familiar with some words like Compounding, debt, ELSS, ULIP, Bonds etc.
- All banks offer mostly 4% except kotak mahindra bank with 6% For less than 1 year, FD will give 4 to 7% depending on tenure - Fixed deposite Returns are taxable. Saving account..atleast 20000/- per month required for 1 crore in 25 years FD…atleast 11000/- per month required for 1 crore in 25 years Recurring Deposit Compunded quaterly -Saving rates got deregulated on 25th Oct 2011 after that few banks revised their rates. Previously, the interest rate of 4% per annum was applied against the lowest balance available in the account between the 10th and the final day of the month. From April 2010 onwards, this changed and the savings bank interest is now calculated based on the daily balance How saving account interest is calculated - Daily interest = Interest per/annum/365 ie 4/365= 0.010958% - Interest = Principal * number of days * Daily interest
- Before 2010: Against Lowest balance in account between 10 the and final day of month After 2010: interest is now calculated based on the daily balance
- Video of POC_principle_interest.mp4 Check the calculation at http://www.moneycontrol.com/planning_desk/planning_magic.php -Compounding can do miracles Power of Compounding -Compounding – 8th Wonder of The World - A Sort story o compounding where a begger gives 1 coin everyday and the king gives same no. of coin. At the end kings becomes begger Suppose you invest Rs.100 today. It grows at 15% compounded rate every year, then next year you will get Rs.115 i.e. Rs.100 + Rs.15. Why Rs.15? Rs.15 is 15% of Rs.100! Okay so now one year is passed. You have Rs.115. The next year you will get Rs.132. Why Rs.132? Rs.115 + Rs.17. Why Rs.17 ? Because Rs.17 is 15% of Rs.115! Initially your money will grow at a slow rate. But once the money grows to a big amount the rate of growth will be very very very high! So, basically you need a lot of time to reach a very very high rate of growth Just to give you an idea, if you invest Rs.1 now. You let it grow for 30 years at 15% rate, at the end of 30 years you will have Rs.67! For every one rupee you invest you will have Rs.67, 30 years from now! rule of 72 is a quick way to estimate how long it will take you to double your money through compounding. You simply divide the number 72 by the yearly interest rate you plan to earn on your investment. Your investment’s expected annual return is 6%. Using the rule of 72, you will double your money in 12 years Credit card use compound interest against you. That’s why paying minimum payments are likely to keep you in debt foreever. NSC is compounded half-yearly . PPF is compounded yearly
- Gold is attractive and highly valued metal which has been known since 5500 years. Before buying decide.. Do u want real gold or only exposure to gold. Ie either buy physical or Gilt funds Where would you store gold. Home. Safe -ETF Funds can be used for investment Sundaram Gilt Fund - Regular Plan. 1Year return of 10-12% https://www.valueresearchonline.com/
- Difference between NSC and PPF - NSC is a post-office savings scheme while the PPF was established by the central government, both backed by govt of india. The only difference is in the way it is computed. PPF is compounded annually. NSC is compounded half-yearly (twice a year) Let's say on April 1, 2010, you invested Rs 30,000 in PPF and the same amount in NSC. On April 1, 2011, your PPF account will have Rs 32,400 while your NSC will have Rs 32,448. You can take loan from your PPF Account. NSC can be liquidated at any time on the principle amount. Both these investments fall under Section 80C. The interest accrued on NSC is taxable. PPF interest is tax free. PPF account to be opened from any nationalized bank. NSC to be bought from Post office Debt product, Debt Market, Debt Insturment Debt fund is unsafe if bank goes bankrupt -Secured Debt and Unsecured Debt. Secured Debt has a collateral like a house, car. Unsecured debt is like Personal Loan, Credit card loan -Bonds - National Highway Authority - Indian Railway Finance - Power Finanance
- Big growth if held for longer duration. At least for 5 years It has a high level of risk Buy through Secondary market (from Stock Exchange) or from primary market by applying for shares that are offered to public Choose the right company. Analyze the company performance from its quarterly results, annual reports and news articles. Get yourself a good broker, Open a Demat account, understand the Settlement System, Make dummy trades to get a idea of trading Types of Trade Day Trading Lets look at an example, A person invested 100000/- Rs on 1st January 2003. and held till 30th aug 2014 for 11 years. From 2003 to 2007 has fetched approx 14 lacs. Thereafter global crisis from 2008 to 2009 made the investment almost half. Ie 7 lacs. People who invested in 2008 havent received much till the end of 2011 for 3 years People who stayed invested got 25 lacs at the end of 21 years Monitor the market continuously Day traders can do dozens of trade in a day Savvy traders could turn profits quickly Position Trading Good for people who want to involve in trading but run short of time They keep the stock for months awaiting any change in price They keep up with fundamental and technical analysis as well They apply a long term strategy
- Capitalization: Market Capitalization is Total Shares in Market * NAV NAV (Net Asset Value) it is the time and not the timing that matters We earn regularly. We spend regularly. Shouldn’t we also invest regularly? All we need is a blend of income, time and discipline. We’ve income and time, all we need is discipline. An SIP is like operating a recurring deposit account with a mutual fund. There is no compound interest forumula for MF as they are calculated bases on unit and NAV(Net Asset Value) MidCap, Large Cap, Small Cap (Less than 50 billion small cap, 50 to 200 is Mid cap, 200 to 3500 large cap) - Sectorial investment in Power, Pharma, IT industry or Gold funds.
- I can buy shares or mutual funds bit by bit. I can’t buy property square feet by square feet. the holding period for shares to ensure zero long-term gains tax is one year. For property, it is three years, and that too only if I invest the gains again in property. -shares can be sold in a jiffy’ property can take months to sell.
- If ELSS broken after 3 years it gives return as per current market rate. Whereas ULIP has lock in of 5 years but if broken then 30% more charges is decucted ULIP like HDFC Standard Life or ICICI Prudential, Canara hsbc Life Insurance -Both are tax-exempted
- If One time investement done of Rs. 5000 in year 2012 then it could be Rs 89208/- now If monthly investdes Rs 5000 in year 2012 then it could be Rs. 1094709/- now
- -endowment plan does is to provide a death benefit as well as a maturity benefit. It invest in bonds Ulip invest to equity or debt Endowment plan returns a guranteed returns at the end of policy term. Ulip returns depends upon market situation. Withdrawal can be done from ULIP within specified intervals, but endowment returns at the end of maturity. There is always agent commission goes from your premium. ULIPs are insurance products, where as mutual funds are managed by fund house to invest in the market.
- Today a flat of Rs 23 lacks will be of 1 Crore in 25 years
- Fortune favors the brave. Higher the risk higher the returns