Systematic Investment Plan

Systematic Investment Plan(It’s Never Too Late To Invest)

http://www.kshitijfinancial.com/




Why SIP?• Despite there being patches when the investments go under

water, the case for Systematic Investing is still compelling and remains the best way to participate in the Equity markets.

Features of SIP:

1. Light on the wallet.2. A specific amount is invested for a continuous period at regular

intervals under this plan.3. SIP is similar to a regular saving scheme like a recurring deposit. It

is a method of investing a fixed sum regularly in a mutual fund4. SIP allows the investor to buy units on a given date every month.

The investor decides the amount and also the mutual fund scheme 5. While the investor's investment remains the same, more number

of units can be bought in a declining market and less number of units in a rising market

6. The investor automatically participates in the market swings once the option for SIP is made





Benefits of SIP• Saving a small sum of money regularly at an early age

makes money work with greater power of compounding with significant impact on wealth accumulation.

• SIP helps in averaging cost of acquiring units

• It is very convenient. SIP can be operated by simply providing post dated cheques with the completed enrolment form or give ECS instructions. The cheques can be banked on the specified dates and the units credited into the investor's account.

• It helps in creating wealth over a longer time period.

• It makes investor disciplined in their savings.





Example: Reliance Growth Fund

• Inception: 8-Oct-1995• Amt of SIP: Rs.1000 Per Month• Total Months : 224 (Till 06-JUN-2014)• Total Investment Value: Rs.224000• Total No of Units: 6256.3644• Value of Investment: Rs.40,57,147.00• Annualised Returns: 26.54 %• Annualised Returns of Index: 13.91 %





Portfolio

Scheme Category RatingDSP BlackRock Top 100 Equity Equity – Large Cap Franklin India Bluechip Fund Equity – Large Cap HDFC Mid-Cap Opp Fund Equity – Mid & Small Cap ICICI Pru Discovery Fund Equity – Mid & Small Cap Reliance Equity Opp Fund Equity – Multi Cap

Selecting well-performing funds with high ratings is the first step towards successful investing





Performance

* NAV as on 6-JUN-14http://www.kshitijfinancial.com/

SIP Returns

SchemeNAVRs

1 Yr 3 Yrs 5 Yrs 10 Yrs 15 Yrs SinceInception

DSP BlackRock Top 100 Equity 144.05 72.11 24.17 15.61 17.03 - 19.65Franklin India Bluechip Fund 295.29 53.42 20.29 14.01 15.56 20.82 27.32HDFC Mid-Cap Opp Fund 28.10 109.31 35.77 24.95 - - 23.33ICICI Pru Discovery Fund 88.78 123.96 39.51 25.61 - - 22.42Reliance Equity Opp Fund 59.53 87.53 30.04 21.54 - - 19.44




Performance

* NAV as on 6-JUN-14http://www.kshitijfinancial.com/

SIP Returns & Valuations

Scheme1 Yr 3 Yrs 5 Yrs 10 Yrs 15 Yrs Since Inception

Inv Rs. Value Rs. Inv Rs. Value

Rs. Inv Rs. Value Rs. Inv Rs. Value

Rs. Inv Rs. Value Rs. Inv Rs. Value Rs.

DSP BlackRock Top 100 12000 15563 36000 50216 60000 87589 120000 289629 135000 438661

Franklin India Bluechip 12000 14700 36000 47719 60000 84305 120000 267913 180000 1012342 247000 3814522

HDFC Mid-Cap Opp 12000 17185 36000 58194 60000 109169 84000 189488

ICICI Pru Discovery 12000 17808 36000 60935 60000 110875 118000 374704

Reliance Equity Opp 12000 16252 36000 54158 60000 100807 111000 279792

Asset Allocation





CapitalisationPortfolio Style Break Up Rank Percentage (%)

Giant 33.16

Large Cap 15.71

Mid Cap 39.21

Small Cap 11.34

Not Classified 0.00





Equity Style Box


Sector AllocationPortfolio Sector AllocationSector Net Asset(%) Asset Value `Financial 24.99 1205Technology 10.97 529Energy 10.15 489Healthcare 9.54 460Engineering 8.88 428Services 6.24 382Automobiles 6.06 337FMCG 3.86 215Chemicals 3.79 211Construction 3.59 199Diversified 3.34 185Communication 2.71 151Cons Durables 2.17 121Metals 2.00 111Others 0.70 39Textiles 0.27 15Total 100 5003


Stock AllocationTop 15 Equity Portfolio Holdings Company Net Asset(%) Value `Infosys 4.63 257ICICI Bank 3.56 198HDFC Bank 3.05 169Reliance Inds 2.41 134L&T 2.21 123Divis Labs 2.21 123HCL Tech 1.94 108Axis Bank 1.81 100TCS 1.78 98MindTree 1.63 90Wipro 1.63 90Maruti Suzuki 1.46 81BPCL 1.45 80Persistent 1.44 80SBI 1.18 55Others-Miscellaneous 66.84 3720Total Portfolio Value 100.00 5003


SIP of Rs.5000 p.m.

Returns

SIP Period(Yrs)

TotalInvestment 12 15 18 20

5 ` 300000 ` 408348 ` 442872 ` 481073 ` 508791

10 ` 600000 ` 1150193 ` 1376000 ` 1656000 ` 1880476

15 ` 900000 ` 2497900 ` 3342533 ` 4528122 ` 5578499

20 `1200000 ` 4946000 ` 7486000 ` 11544000 ` 15548259

Monthly Income(ROI @ 8% p.a.) ` 32973 ` 49907 ` 76960 ` 103655


• SIP is a Good way to Invest to achieve Financial goal such as Marriage or Education of Children's, Wealthy Retirement and many more.


To Invest In Mutual Funds

Contact : Amit M. SurpuriyaKSHITIJ FINANCIAL SERVICESMobile: 98508 73688Email: [email protected]: http://www.kshitijfinancial.com/

Systematic Investment Plan

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