Save for a Better Future
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The document discusses the importance of saving and investing, highlighting reasons to save including emergency funds, retirement, and significant purchases. It explains inflation's impact on purchasing power and the benefits of early investment with compound interest. The company, promoted by seasoned professionals, offers various financial services and emphasizes wealth creation through investments rather than mere savings.
Save for a Better Future
- 1. Save for a Better Future
- 2. In our Class • Saving • Why to Save • What is Inflation • Investment • Company Introduction • Fixed Income Instruments
- 3. “Getting Rich is not a function of investing a lot of money ; it is a result of investing regularly for long periods of time.”
- 4. What is Saving • Saving is income not spent, or deferred consumption. • Saving also includes reducing expenditures, such as recurring costs.
- 5. Why to Save • Save for Emergency Funds • Save for Retirement • Save for a Down Payment for a House • Save for Vacations and Other Luxury Items • Save for a New Car • Save for Sinking Funds • Save for Education
- 6. Inflation • Inflation is the rise in the general level of prices of goods and services in economy over a period of time. • When the general price level rises, each unit of currency buys fewer goods and services. • Consequently, inflation also reflects an erosion in the purchasing power of money – a loss of real value in the internal medium of exchange and unit of account in the economy.
- 7. Can I afford a Pizza P iz z a C o s t To d a y A fte r 1 y e a r A fte r 1 0 A fte r 2 0 y e a rs Y e a rs U nder R s 200 R s 200 R s 200 R s 200 M a ttre s s In v e s te d a t R s 200 R s 208 R s 296 R s 438 4% In v e s te d a t R s 200 R s 216 R s 431 R s 932 8% In v e s te d a t R s 200 R s 220 R s 519 R s 1346 10% In fla tio n R s 200 R s 217 R s 468 R s 1094 R a te 8 .8 7 % 8.87% is the Average inflation in India @ year 2011, if money is not saved above Inflation rate than it is generating negative returns.
- 8. Wealth Creation vs. Destruction Investment Wealth Creation Savings Only Wealth Destruction Bank Deposits
- 9. Investment • Investment is putting money into something with the expectation of gain, that upon thorough analysis, has a high degree of security for the principal amount, as well as security of return, within an expected period of time.
- 10. Start as soon as possible…… Annual A g e In v e s tm e n t S ta r te d In te re s t R a te s 20 30 40 50 3% 1 8 5 ,4 4 0 1 2 9 ,9 2 4 7 2 ,9 1 9 3 7 ,1 9 8 6% 4 2 5 ,4 8 7 2 2 2 ,8 7 0 1 0 9 ,7 2 9 4 6 ,5 5 2 10% 1 ,4 3 7 ,8 1 0 5 4 2 ,0 4 9 1 9 6 ,6 9 4 6 3 ,5 4 5 …..And become a Millionaire!!!!! Assuming: Rs 2000 Annual contribution accumulated to age 65;Used future value of Annuity Formula to compute
- 11. Time is on your side • The Miracle of Compound Interest : Interest Earning Interest Example Rs 100 * 5% = 105 With compound interest , In time 2 Rs 105 * 5% =110.25
- 12. Double your Money • Rule of 72 Formula Example • 72/Rate = Time 72/10%= 7.2 years • 72/Years = Yield 72/10 =7.2%
- 13. About Us The company is jointly promoted by noted stock market professionals Mr. Asit C. Mehta and Mrs. Deena A. Mehta, and is a part of the Mumbai-based Nucleus Group of Companies. The founders have over 25 years of experience in the fields of finance, investments and technology. The other group companies are engaged in IT and IT-related services such as database development, back-office applications for banks, insurance and finance companies, content acquisition and corporate document management solutions.
- 14. Vision: To be a Trusted Financial Intermediary Corporate Purpose: To reach appropriate financial products, services and solutions to every Indian entity.
- 16. Investment Services by ACMIIL • Fixed Income Instruments • Mutual Fund • Initial Public Offering (IPO) • Direct Participation in Secondary Markets • Live eXchange • Commodity Derivatives Services • Commodity Spot Services • Currency Derivatives Services • HNI Advisory service • Investment Banking Service • Institutional Service
- 17. Reach & Access • Presence in all major cities including Tier-II and Tier-III locations in 26 states • Over 50 branches across India • Over 349 Investment Centers • Over 315,000 Client accounts with almost 140,000 unique Clients • Over 950 Employees
- 18. Membership & Licenses • NSE: Capital, Derivatives, Debt & Currency Derivatives. • BSE: Cash & Derivatives. • FEDAI: Foreign Exchange. • SEBI: PMS & Merchant Banking Category I. • Commodities: NCDEX,NSEL,MCX,DGCX • CDSL: Depository Participant
- 19. Our Achievements • One of the first limited liability Companies to acquire membership on Bombay Stock Exchange (BSE). • One of the first multiple seat holders and multiple exchange members. • One of the first private VSAT network users. • The first to utilize a franchisee business model for Associates. • The first to achieve the ISO quality certification for business processes from SGS. Currently we are an "ISO 9001:2008" certified company. • The first to receive a CRISIL grading for quality of operations and services. • Company Managing Director Mrs. Deena A. Mehta was the first lady to be elected to the governing board of the BSE and first and only lady to be the President of BSE. • Mrs. Deena A. Mehta is also currently the First lady as the Trading Member in the BSE Governing Board (post corporatization).
- 20. Fixed Income Instruments Fixed income instruments guarantee both the capital and returns.Under these schemes, investors need to deposit a lump sum amount for a fixed period at a predetermined rate. There are various types of Fixed income instruments like: Bank FDs, Post office deposits, Corporate FDs, etc. However, they differ in terms of interest rates, minimum investment, tenure and tax treatment of the interest income. Best suited for: • Every Investor seeking to have a risk-free certain minimum corpus accumulation over a definite time. • Charitable Trusts and such other non-profit organizations which are required to invest in certain notified instruments only as per Indian Trust Act. • Investors who need to ensure near term liquidity needs (2-5 year horizon) such as higher education fees, medical expenses and social obligations such as marriages, etc.
- 21. Fixed Income Instruments…(Continued) Product features: • Company fixed deposits offer lower safety and higher returns. • Debentures are also issued from time to time by well known companies. These debentures are often secured against the assets of the company. • Capital gains can be invested in some notified instruments to save taxes. • Can be bought for 1-10 year period with fixed returns ranging from 6% to 10% in various instruments like fixed deposits, non-convertible debentures, etc. • In case of fixed deposits, any premature encashment will result in lower interest than originally contracted for. Competitive advantage with ACMIIL: • We have a panel that vets and decides on the company instruments that will be marketed by our staff. • This panel consists of experienced debt market professionals. • The companies elected are judged for quality and the salient features of the instrument which is used to raise money.
- 22. Advantage of Corporate Deposit • High interest. • Short-term deposits • Lock-in period is only 6 months. • No Income Tax is deducted at source if the interest income is up to Rs 5,000 in one financial year • Investment can be spread in more than one company, so that interest from one company does not exceed Rs. 5,000
- 23. Current Deposit Schemes Available • HDFC – Platinum Deposit Plan Half Annual Platinum Deposit Monthly Quarterly Cumulative Yearly Income Plan (Period) Income Plan Option Option* Option Plan 15 months 9.65% 9.70% 9.80% - 10.00% 33 months 9.65% 9.70% 9.80% 10.00% 10.00% Minimum Amount 40,000 20,000 20,000 20,000 20,000 (Rs.) Interest rates on Deposits below Rs. 1 Crore
- 24. Sriram Unnati Fixed Deposit Non Cumulative Scheme Cumulative Scheme Period Annual Minimum Half- Yearly Quarterly (% Maturity Income (% Quarterly (% p.a.) Deposit (Rs.) (% p.a.) p.a.) Value (Rs.) p.a.) 12M 25000 9.25 9.05 8.95 9.25 27313 24M 25000 9.75 9.52 9.41 10.23 30115 36M 25000 10.75 10.47 10.34 11.94 33955 48M 25000 10.75 10.47 10.34 12.60 37600 60M 25000 10.75 10.47 10.34 13.32 41650
- 25. Call us Toll-Free: 1800 22 9002 Or at Landline: (022) 2858 4444 Website: www.investmentz.com Follow us on www.twitter.com/ACM_Investmentz Registered Office: Nucleus House, Saki Vihar Road, Andheri (E), Mumbai 400 072, INDIA. Tel.: (022) 2858 3333 Fax: (022) 2857 7647 Email: customerservice@acm.co.in SEBI / Regulatory Registration Nos: BSE:INB/INF 010607233 ·NSE:INB/INF/INE 230607239 ·PMS: INP000001920 Merchant Banking: INM000010973 ·DP Reg: IN-DP-CDSL-28-99 · DP ID .CDSL 12013200