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Equity SIP

Systematic Investment Plan

A way for your every dream to come true.

Introduction

‘Rome was not built in a day’, goes the popular adage, which holds lessons for us even today. If a mighty empire could be built up gradually, with careful planning, so can your wealth. It doesn’t matter how much you invest. What matters is that you start investing early in life, and invest regularly, with a plan.

Like many busy investors, you may find it difficult to study the fundamentals of the companies you want to invest in, check market volatility, etc. What do you do then? In such cases, consider the systematic investment plans offered by mutual fund houses.

Systematic Investment Plans

A systematic investment plan (SIP) enables you to invest a fixed amount at predetermined intervals, like every month or every quarter, in a mutual fund scheme, in return for which you receive units at the prevailing NAV.

Benefits of SIP

Invest as per your savings habit

Choosing your magnitude of investment, which could be as little as Rs 5000 per month gives you the flexibility to tailor your SIP investments to your savings ability.

Ride market volatility

Irrespective of the NAV of the scheme you are investing in, you invest a fixed amount at each rest. In fact, when the NAV is high, you purchase fewer units than you do when the NAV is low. As a result, your investment strategy is not hampered by market volatility.

Rupee cost averaging

With SIPs you automatically benefit from the principle of Rupee Cost Averaging. Put simply, using the SIP method of investing, the average cost per unit to you will be lower than the average of the market NAVs prevailing on the dates of your purchase, irrespective of whether the market is rising or falling.

Convenience

This is a very convenient way of investing. You have to just submit cheques along with the filled up enrolment form. The mutual fund will deposit the cheques on the requested date and credit the units to one’s account and will send the confirmation for the same.

Other advantages

There are no entry or exit loads on SIP investments.

Power of Compounding

You start investing in a diversified
equity mutual fund through a
Systematic Investment Plan at age
35 40
# Your monthly investment Rs. 5000 Rs.5000
# You stop investing at age 60 60
# Your total contribution Rs.15,00,000 Rs.12,00,000
Your Savings could grow to* Rs. 1,37,82,804 Rs. 66,35,367

* Assumes compounded annual returns of 15%over the entire period

Compounding allows your money to grow exponentially over time. Start investing early.

Are SIPs for me?

Yes. In today’s busy world, time is one of your biggest constraints. SIPs are exactly what you need to help you cope with investing in volatile markets, as it eliminates the need to invest time and effort in studying market trends.

Moreover, this technique offers you the blueprint to enter equity in a gradual way and build your wealth Penny by penny. As salaries professionals, SIP is a recommended investment method for long time results, without much affecting your monthly income.

Why invest in Ashtavinayak?

The vision of Ashtavinayk Investment is to emerge as the country’s most trusted doorstep financial services provider in the private sector with the lowest servicing cost to the customers. We will accomplish our vision through our commitment to strategic growth, quality service.
A wide variety of tailor-made, financial products with appropriate Risk and Reward ratio. Helping people build up regular savings habit and. Technology-based, prompt and personalized service, right at the Customers’ doorsteps. Ashtavinayak Investment is the authorized channel partner of icicidirect.com.
A classic example of a real client of Ashtavinayak Investment named MR.“X” (name changed) who has invested Rs.5000 per month with Ashtavinayak Investment.

a) Principle amount invested:-Rs.60, 000(5000 P.M)

b) Date of Joining of the SIP:-17th June,2011

c) Profit after 3 year:-Rs.1,24,200

d) Charges deducted by Ashtavinayak Investment after 1 year:-NIL (Charges are taken by Ashtavinayak investment at the time of redeeming the SIP which is minimum tenure of 3 years. Company charges 20% from the profit while redeeming or closing of SIP)

d) Performance of SIP as on 30/06/2014:-+69.53%.

e) Power of compounding comes into picture.

Table representing NAV Statement of the SIP of Ashtavinyak Investment

3 year statement of Ashtavinayak Investment SIP
Name of the client:-Mr.X
Amount invested every month:-Rs.5000

NAV 12
2011 NAV 1 NAV 2 NAV 3 NAV 4 NAV 5 NAV 6 NAV 7 NAV 8 NAV 9 NAV 10 NAV 11 NAV 13
Months Units Units Units Units Units Prices Units Prices Units Pruce Units Prices Units Prices Units Prices Units Units         Units
June 90.5 844.25 17.8 342.8 84.01 NA 63.1 578.45 344.45 118.35 48.5 48.5
July 84.7 809.7 17.5 358.94 97.01 NA 67.1 575.55 410.8 120.65 48.65 48.65
Aug 724 12.1 318.25 92.64 49.8 62.3 384.2 198.1 108 43.9 43.9
Sep 81.8 729.55 11.3 308.18 84.86 48.15 63.6 315.15 246.05 95.85 46.1 46.1
Oct 77.85 747 11.1 320.32 92.97 51.2 67 370.15 201.85 102.35 49.25 49.25
Nov 80.75 726.65 7.95 308.67 91.57 45.35 54.05 281.7 93.4 86.4 38.75 38.75
Dec 63.2 690.05 6.1 283.58 89.58 42.85 51.6 235 93.65 80.75 33.5 33.5
2012 48.85
Jan 719.65 8.4 306.53 97.14 49.05 53.65 359.9 88.9 93 40.65 40.65
Feb 67.9 757.4 12.65 307.18 113.33 48.75 57.15 404.05 133.95 98.5 58.9 58.9
March 88.65 734.35 9.55 285.05 114.94 47.85 58.3 392.4 118.4 96 61.4 61.4
April 90.05 734.5 9 275.77 138.74 43.85 55.25 329.35 104.75 109.3 65.15 65.15
May 93.15 620.85 8.6 269.94 143.49 41.4 54.4 308.35 57 101.15 63.35 63.35
June 92 606.55 8.65 245.2 163.75 44.05 56.75 358.45 69.05 103.15 63.7 63.7
July 98.75 680.45 9.3 237.11 151.63 44.55 56.3 334 86.9 114.9 61.1 61.1
Aug 92.15 762.15 9.4 239.83 168.94 42.35 54 319.8 103.4 109.75 58.9 58.9
Sep 87.2 773.9 9.5 277.54 210.2 48.3 57.9 431.45 129.6 105.55 57.8 57.8
Oct 106.1 682.3 11.8 269.52 220.21 54.15 58.15 381.95 112.8 109.05 57.85 57.85
Nov 106.25 729.65 12 297.44 264.59 74.85 56.9 423.95 165.35 112 60.05 60.05
Dec 111.1 684.8 12.05 297.32 257.18 89.1 65.15 479.8 161 109.75 58.85 58.85
2013 114.75
Jan 625.7 10.8 288.81 272.97 82.15 64.4 475.1 155.6 104.6 55.05 55.05
Feb 111.05 606.8 10.3 249.8 271.01 78.55 61.75 360.7 131.7 95.05 170.35 51.4 51.4
March 88.7 602.95 10.2 245.31 240.07 73.8 57.95 312.7 122 95.05 169.2 50.4 50.4
April 89.5 609.6 10.7 288.14 234.94 77.55 56.75 352.85 127.35 96 176.75 51.1 51.1
May 90.9 702.85 10.35 264.47 281.24 76.8 60 326.55 108.85 100.45 129.1 56.45 56.45
June 84.45 715.35 9.45 247.64 317.45 78.7 58.95 336.85 105 95.55 135.85 56.95 56.95
July 69.8 727 11.8 222.55 297.73 61.45 57.45 343.1 108 89 176.1 54.9 54.9
Aug 53.55 832.6 12.8 196.73 290.99 55.45 52.2 312.25 113.85 88.95 191.05 54.2 54.2
Sep 43.75 845.9 18.05 171.53 291.39 64.5 52.9 315.25 128.25 90.5 196.15 55.9 55.9
Oct 45.8 1002.25 20.7 183.13 318.07 82.45 54.55 370.1 155.7 104.8 234.45 75.1 75.1
Nov 53.8 1085.2 21.55 167.15 306.09 74.8 54 376.7 170.15 112.65 227.4 78.5 78.5
Dec 54.15 1065.3 22.05 165.4 368.55 74.8 59.6 361.45 189.6 119.05 242.4 84.25 84.25
2014 60.8
Jan 1219 24.25 162.4 418.25 68.65 54.25 324.15 181.75 124.4 254.6 79.1 79.1
Feb 53.75 1332.45 28.15 167.3 548.6 77 54.8 308.15 185 124.5 258.85 74.15 74.15
March 51.6 1061.05 25.15 213.85 639.7 73.55 57.15 345.9 204 128.3 286.1 89.35 89.35
April 60.5 1213.1 31.9 219.8 632.65 64.2 60.05 355.15 239 129.2 319.4 95.15 95.15
May 63.35 1095 31.75 243.15 634.2 72.5 75.5 529.35 294 143.9 311.65 99.95 99.95
June 82.15 1164.55 39.2 243.1 718.65 72.65 80.15 623.55 274 167.25 337.45 114.7 114.7
82.1
Shares purchased
2011 NAV 1 NAV 2 NAV 3 NAV 4 NAV 5 NAV 6 NAV 7 NAV 8 NAV 9 NAV 10 NAV 11 NAV 12 NAV 13
Months
June 4.24 0.45 21.57 1.12 4.57 NA 6.09 0.66 1.11 3.25 7.83 7.83
July 4.53 0.47 21.94 1.06 3.95 NA 5.73 0.66 0.93 3.17 7.89 7.89
Aug 4.69 0.53 32 1.2 4.12 7.68 6.16 0.99 1.93 3.55 8.72 8.72
Sep 4.93 0.52 33.98 1.24 4.52 8 6 1.21 1.56 4 8.34 8.34
Oct 4.75 0.51 34.59 1.19 4.13 7.52 5.73 1.03 1.9 3.76 7.83 7.83
Nov 6.07 0.52 48.3 1.24 4.19 8.53 7.11 1.36 4.11 4.46 9.84 9.84
Dec 7.86 0.55 62.95 1.35 4.28 8.93 7.38 1.63 4.1 4.74 11.29 11.29
2012
Jan 5.65 0.53 45.71 1.25 3.95 7.83 7.15 1.06 4.31 4.12 9.36 9.36
Feb 4.33 0.5 30.35 1.25 3.38 7.83 6.73 0.95 2.86 3.87 6.5 6.5
March 4.26 0.52 40.2 1.34 3.34 8 6.62 0.97 3.25 4 6.25 6.25
April 4.12 0.52 42.66 1.39 2.76 8.72 6.95 1.16 3.66 3.52 10.92 10.92
May 4.17 0.61 44.65 1.42 2.67 9.36 7.05 1.24 6.73 3.79 6.06 6.06
June 3.88 0.63 44.39 1.56 2.34 8.72 6.73 1.07 5.56 3.72 6 6
July 4.16 0.56 41.29 1.61 2.52 8.53 6.85 1.14 4.41 3.33 6.29 6.29
Aug 4.4 0.5 40.85 1.6 2.27 9.14 7.11 1.2 3.71 3.49 6.5 6.5
Sep 3.61 0.49 40.42 1.38 1.82 8 6.62 0.89 2.95 3.62 6.62 6.62
Oct 3.61 0.56 32.54 1.42 1.74 7.11 6.62 1 3.39 3.52 6.62 6.62
Nov 3.45 0.52 32 1.29 1.44 5.13 6.73 0.9 2.32 3.42 6.4 6.4
Dec 3.34 0.56 31.86 1.29 1.49 4.3 5.9 0.8 2.38 3.49 6.5 6.5
2013  
Jan 3.45 0.61 35.55 1.32 1.4 4.68 6 0.8 2.46 3.65 6.98 6.98
Feb 4.32 0.63 37.28 1.53 1.41 4.86 6.19 1.06 2.9 4.04 2.25 7.52 7.52
March 4.29 0.63 37.64 1.56 1.6 5.18 6.62 1.22 3.14 4.04 2.26 7.68 7.68
April 4.22 0.63 35.88 1.33 1.63 4.92 6.73 1.08 3.02 4 2.16 7.52 7.52
May 4.54 0.54 37.1 1.45 1.36 4.98 6.4 1.17 3.52 3.84 2.97 6.8 6.8
June 5.5 0.53 40.63 1.55 1.2 4.86 6.5 1.13 3.65 4 2.82 6.73 6.73
July 7.17 0.52 32.54 1.72 1.28 6.29 6.73 1.11 3.55 4.31 2.18 6.98 6.98
Aug 8.77 0.46 30 1.94 1.31 6.98 7.38 1.22 3.39 4.31 2 7.11 7.11
Sep 8.38 0.45 21.27 2.23 1.31 5.9 7.24 1.21 3 4.26 1.95 6.85 6.85
Oct 7.13 0.38 18.55 2.09 1.2 4.68 6.98 1.03 2.46 3.65 1.63 5.12 5.12
Nov 7.09 0.35 17.81 2.29 1.25 5.12 7.11 1.01 2.25 3.39 1.68 4.86 4.86
Dec 6.31 0.36 17.41 2.32 1.04 5.12 6.4 1.06 2.02 3.2 1.58 4.55 4.55
2014  
Jan 7.14 0.31 15.83 2.3 0.91 5.56 7.11 1.18 2.1 3.09 1.5 4.86 4.86
Feb 7.44 0.28 13.64 2.29 0.69 4.98 6.98 1.24 2.07 3.07 1.48 5.17 5.17
March 6.34 0.36 15.26 1.79 0.6 5.18 6.73 1.1 1.88 3 1.34 4.29 4.29
April 6.06 0.31 12.03 1.74 0.6 5.98 6.41 1.08 1.6 2.97 1.2 4.03 4.03
May 4.67 0.35 12.09 1.58 0.6 5.26 5.05 0.72 1.3 2.66 1.23 3.84 3.84
June 4.67 0.32 9.79 1.58 0.53 5.26 4.79 0.61 1.4 2.29 1.13 3.34 3.34
Total 193.54 18.07 1162.55 57.81 79.4 229.12 243.21 38.95 107.48 131.1 31.36 249.99 249.99
Current Value 15889.63 21043.41 45571.96 14053.61 57060.81 16645.56 19493.22 24287.27 29449.52 21926.47 10582.43 28673.85 28673.85
Past Value 13824 13824 13824 13824 13824 13824 13824 13824 13824 13824 13824 13824 13824
Net Value 2065.63 7219.41 31747.96 229.61 43236.81 2821.56 5669.22 10463.27 15625.52 8102.47 3241.57 14849.85 14849.85
Net Value % 14.94% 52.22% 229.65% 1.66% 312.76 20.41% 41% 75.68% 113.03% 58.61% 23.44% 107.42% 107.42%
Total past value 304677.74
Total current value 124965.74
Net Value in % 69.53%

Total amount invested for 3 years:-Rs.1,80,000
Total amount available after 3 years:-Rs.304,200
Performance: – 69.53% Growth over the period 3 years.
Total amounts received after the investment of 3 years is Three lakhs four thousand and two hundred only.

Benefits of Investing with Ashtavinyak Investment than any other Mutual funds available in market.

1. Ashtavinayak uses buy and hold Strategy with regards to stock.

2. Capital Gain is taxed free after the tenure of 3 years.

3. Bonus share issued by the investing company which is invested by ashtavinayak Investment.

4. Dividend yield of 3 to 4% per year is given by the company where SIP amount is invested.

5. Rights Issue/ Stock Split.

5. Rights Issue/ Stock Split.

7. M.N.C delisting benefits.

How do I start an SIP with Ashtavinayak Investments.?

a) Starting up an SIP:-You can start an SIP with minimum Rs, 2000.

b) Tenure:-3 years minimum.

c) Documents required:-1) ID proof,2) Pan card,3)Address Proof,4)A cancelled cheque.

d) ECS mode available so no monthly hassles.

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