One From Everyone NEW

8/10/2019 One From Everyone NEW

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One from everyone

1 Term + 1 Health + 1 MF SIP


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Concepts of planning

Assetallocation

Power ofcompounding

Starting ofearly

Human lifecycle & value

Portfolioreview

Simple but seldom...


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IllustrationReturns from different assets

10 yrs return from different asset classes as on March 2011

Source : RBI & BSE & NHB

1.662.02

3.94 4.2

5.45

Growth of Rs.1Lac in 10 Years

WPI Fixed Deposits Real Estate Gold Equity

5.22%7.28%

14.71% 15.43%

18.48%

CAGR in 10 Years

WPI Fixed Deposits Real Estate Gold Equity


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May 14' Contest : 1 Term + 1 Health + 1 MF SIP

One from Everyone (1st May, '14 to 31st May, '14)

Designation Products for the contest Eligibility criteria Reward

Dealers/FP/RM/BO Term plan/Health ins/ MF SIP At least 1 term, 1 health and 1 SIP to be sourced 15% of revenue

BM Term plan/Health ins/ MF SIP

Min.2 or 50% of the branch employees should

qualify whichever is higher 10% of branch revenue

ASM/CH Term plan/Health ins/ MF SIP 25% of the team should qualify 5% of area's revenue

CSM/RD Term plan/Health ins/ MF SIP 25% of the team should qualify 5 % of region's revenue

Illustrated rewards

Designation Assumption Term + Health + SIP revenue (Rs.) Reward (Rs.)

Dealers/FP/RM/BO

1 term of Rs.20000 + 1 health of Rs.20000 + 1 SIP of Rs.3000 for 36 months 10000 + 5000 + 1080 = 16080 2493

BM 3 out of 6 employees qualifies with Rs.16080 revenue each 48240 4824

ASM/CH 13 out of 50 employees qualifies with Rs.16080 revenue each 209040 10452

CSM/RD25 out of 100 employees qualifies with Rs.16080 revenue each 402000 20100

Terms & Conditions

The contest period is from 1st May, 2014 to 31st May, 2014.

The reward is over and above the normal incentives.

Contest is open for all the employees of Anand Rathi Group in retail business.

Number of employees in branch includes FP, RM, Dealer, BO.

Focused MF's :- ICICI Pru focused blue chip fund, ICICI Mid cap fund, ICICI Pru discovery fund, ICICI Pru top 100 fund, Birla frontline equity fund.

MF SIP of minimum Rs.2000 with a tenure of 3yrs only. ( MF SIP less than 3 yrs will not be considered for this contest)*Portability within our company will not be entertained.

*Renewals (Health ) and MF SIP in the same folio will not be considered.

Brokerages will be differ from schemes to schemes and company to company

Trail revenue will not be considered in the contest.

The sales dump from Intra Rathi would be considered for declaration of results, hence ensure the business are getting loggedin the correct employee code.

No Request for changes & modifications in business from one employee code to another would be entertained.

Business should be logged during the contest period and issued before 15th June, 2014.

We will declare the Final result after the free-look & cancellations on or before 30th June, 2014.

Management decision will be final and binding for the contest.


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Why SIPs

Systematic Investment Plan, A mode of investing in Mutual Funds which comes with unique advantages, like:

1. Rupee cost Averaging- Something which each investor aspires for but not able to achieve as effectively (in any

other way) as with SIP

2. Small Amounts of InvestmentSmall amount systematically gets you a wealth accumulation that one is

dreaming for

3. Disciplined Investing- This is basic mantra for wealth creation. SIP kills the habit of timing the market for

investment. Each month a fixed sum is invested in the target scheme.

4. Convenience - Enroll for autodebit /ECS, the most hassle free way of investing. Can be stopped at any point oftime with one month notice to AMC/Bank

5. Long Term Investing- Again a cherished dream which in all practicality can be achieved best through SIP

6. Benefits of Compounding- SIP ensures this. Well elaborated in the calculator.

7. Deterrent for Extravagance - Spending pattern is one of the most critical part of Financial Planning. Once in Auto

debit/ECS mode the investors spending patterns are regulated.

When the steep corrections in market have created tension, SIP investors is smiling all the way as for him

corrections means allotment of units at a lesser NAV. For a growing economy with clear prospects of generating

hefty returns over a period of time getting allotments at attractive valuations is like winning a lottery.


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Focused Schemes

Absolute CAGR

Scheme Name NAV Launch Date

Age

(yrs)

AUM Crs 1YR 2YR 3YR 5YR

Since

Inception

ICICI Pru Focused BlueChip Eq

Fund-Reg(G)21.86

26-May-

20085.91 5,317 22.46 15.75 8.33 21.53 14.14

Birla SL Frontline Equity Fund(G) 118.6130-Aug-

200211.65 4,412 22.96 18.99 9.16 20.76 23.65

ICICI Pru Top 100 Fund-Reg(G) 185.12 15-Jul-1998 15.78 541 26.44 16.53 9.72 18.42 20.29

ICICI Pru Value Discovery Fund-

Reg(G)71.77

16-Aug-

20049.69 3,357 32.66 20.21 12.77 29.23 22.57

ICICI Pru Midcap Fund-Reg(G) 42.9029-Oct-

20049.48 231 39.97 17.10 9.52 22.52 16.60


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Illustration

1 TERM + 1 HEALTH + 1MF SIP

Current Age : 25 yrs Gender : Male Term : 30 Yrs IRR : 12.97%Investments Per day @ Rs. Per Annum @ Rs. Description Lumpsum Brokerage in %

Mutual Fund 66 24000 Total Corpus *1,38,46,559 1.00

Term Plan 34 12360 Life Cover 10,000,000 50.00

Health Plan 16 5678 Health Cover 5,00,000 25.00

Total 42038 *1,38,46,559

Current Age : 30 yrs Gender : Male Term : 30 Yrs IRR : 12.61%

Investments Per day @ Rs. Per Annum @ Rs. Description Lumpsum Brokerage in %




Total 45268 *1,38,46,559






Total 52403 *1,38,46,559



Mutual Fund 66 24000 Total Corpus **1,38,46,559 1.00



Total 65402 *1,38,46,559

Mutual Fund return calculated @ 15%This is average return of last 23yrs (1990-2013)


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Life Insurance

Features:1. Complete financial protection at affordable price

2. Higher insurance coverage at low premium

3. Cover long term liabilities (like Home Loans etc) or short term liabilities

Benefits:1. Instant life cover

2. Extremely affordable premium

3. Tax benefit under sec 80C, 10(10D) on death of the Income tax act,1961

Premium at a Glance:The below premium is calculated for Male Sum assured of 1 Crore for 30 Yrs term and

attached are the premium chart for your reference.


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Health Insurance

Health care inflation has gone up to 18% leading to significant rise in medical care costs and making healthinsurance premiums expensive as well.

Also, as healthcare expenses rise, the real value of the sum assured decreases.

Features:

Auto recharge of your policy Sum Insured.

Get health check-ups, every year.

Avail treatment anywhere in the world.

Cashless treatment at 3200+ hospitals & Daily allowance.

Auto recharge of your policy Sum Insured, if exhausted.

Get health check-ups for insured members, every year.

Avail treatment anywhere in the world.

Largest list of day care procedures-171.

No Claim-based loading & Lifetime renew.

Benefits:

Covers medical expenses.

Reduces mental and financial burden.

Various health insurance plans offer benefits such as regular health check-ups.

Tax benefit under sec 80 D

A family floater is convenient to cover children. It makes sense for a small family consisting of the policy holder,spouse and children and where the members are young and healthy

Premium at a Glance:

The below premium is calculated on individual & family floater of 5 Lacs for 1 Yr term and attached are thepremium chart & product comparisons for your reference.


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All the best!!

One From Everyone NEW

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