Bruce Berkowitz

"The Right Time to Invest is

ALWAYS."

INVEST TODAY

For Investment purpose, we often wait to collect a large amount of money and invest it all at once. Systematic Investment Plan (SIP) is a financial planning tool that allows you to invest in mutual funds through small, periodic installments. SIPs help you set aside a fixed amount every month for investments, thus contributing towards your financial goals like buying a house, child's education, marriage, retirement planning etc.

SYSTEMATIC

PLAN

INVESTMENT

WHY SYSTEMATIC INVESTMENT PLAN (SIP)

*Red bar reflects inflation adjusted returns. Data as per FY since 1991-2011Gold: www.kitco.com, Sensex: www.bseindia.com, Co Deposits: NJ Internal, Bank Deposits : RBI, Inflation: RBI

Actual Gain Real Gain

6.77.2

0.6

8.4

1.7

9.9

3.2

15.1

8.4

0

2

4

6

8

10

12

14

16

Inflation Gold Bank Deposits Co. Deposits Sensex

Assumptions: Returns assumed at 15% CAGR.

Save Now

Save Later

55 lacs

Now 10 Years later 25 Years later

31 lacs

Save NowNow 10 Years Later

25 15

� 2000/-

�5000/-

6 lacs 9 lacs

55 lacs 31 lacs

Save Later

Value after 25 years

Rising Market

Market MarketUnits Purchased Units Purchased

Falling Market

1. Disciplined Investment

Your investment amount gets automatically deducted from your bank A/c through a normal ECS mandate. Hence, ensuring discipline in investment.

2. Equity - The Best Asset Class

Equity has delivered best inflation adjusted return among all asset classes over a long period of time.

3. Power of Compounding

Saving a small sum of money regularly from an early age

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

4. Rupee Cost Averaging

A more successful strategy is 'Rupee Cost Averaging' wherein you invest a fixed amount regularly. Thus you purchase more when the markets are low and purchase less when the markets are high. SIP investments take advantage of this strategy & in the long run, the SIP

investor gains as his investments are unaffected by market volatility.

5. Easy to Invest

You have the convenience of direct debit of your SIP installments through Electronic Clearing Service (ECS) facility. Your SIP amount automatically gets debited from your bank account on the predetermined date.

6. Helps Fulfill Our Dreams

The investments we make are ultimately for some objectives such as to buy a house, child's education, marriage etc. And many of them require a huge one-time investment. As it may not be possible to raise such large amounts at short notice, we need to build the corpus over a longer period of time, through small but regular investments. A simple SIP, over a period of time, results in large wealth and helps fulfill our dreams & aspirations.

Make Yourself a CROREPATICROREPATI *

11Get

�

1,37,82,804/-

By investing just�

5,000/- p.m. only

for 25 years*Assuming returns of 15% CAGR per annum in Equity Mutual Fund Schemes

Tax Free - Long Term

Capital Gains

Tax Free Dividends

Make your Investments TAX EFFICIENTTAX EFFICIENT

66Enjoy great Tax Advantages by making Investments

in Equity Mutual Fund Schemes...

SAVE TAX!SAVE TAX!

33Save your Hard Earned Money...

Equity Returns+

Tax Savings u/s 80C

Why ELSS?Unlike most instruments that offer tax benefits, ELSS are the ones with

Equities that have potential to give high returns in long run

Tax Benefit u/s 80C on investments upto

�

1 lac per annum

Least Lock-in Period among tax saving instruments-only 3 years

...making ELSS the ideal vehicle for Saving Tax

At the Age 65**A study by American Bureau of Labour

Have a Peaceful RETIREMENTRETIREMENT

22Be smart and start your SIP for peaceful retirement!

1% were wealthy

4% were maintaining their standard of living

23% were still working... can't afford to quit

9% were dead

63% were dependent on children & charity

Power of CompoundingPower of Compounding

55Get the advantage of

SIP Calculator

What will be the value of your investment if you

have invested

� 10000/- every month through SIP?�

in Lacs with monthly compounding

Power of Compounding is the

Eighth Wonder of the World!!

5 Years

10 Years

15 Years

20 Years

734,140

1,812,832

3,397,785

5,726,600

Tenor of SIP/Rate of Return 8%

811,036

2,240,359

4,759,314

9,198,574

12%

873,421

2,630,182

6,163,656

13,270,734

15%

Make Your Child INDEPENDENTINDEPENDENT*

You dream the best for your

Children’s Education and Marriage

But do you know what will it cost in future?

Current Cost 10 lacs 25 lacs 10 lacs15 lacs

Engineering Foreign Study MarriageMBBS

1 Year

5 Years

10 Years

EngineeringIf age of Child is

4430.26

23.97

17.91

45.38

35.95

26.86

38.20

30.26

22.61

75.64

59.91

44.77

Foreign Study MarriageMBBS

* Study age assumed at 20 yrs. Marriage age assumed at 24 years. Inflation assumed at 6%

� in lacs

Be smart and start GAP for Child’s Education & Child’s Marriage!

SYSTEMATIC INVESTMENT PLAN

SIPSIP66SUPER REASONS for INVESTING inSUPER REASONS for INVESTING in

It is every parents'

dream to provide the

best of everything

for their child.

A sound future

undoubtedly is at

the top of the list.

However, it now costs

more to amuse a

child than it once did

to educate his father.

CHILD FUTURE

PLAN YOUR

TODAY

If the cost of child's future education is going to increase by more than 3 times in next 15 years, assuming inflation @ 6%, then you need to choose a right asset class to plan for your child's future.

Don't simply retire

from something;

have something to

retire to, as life

begins at retirement.

Sensex 17000March 2008

Sensex 9000February 2009

Sensex 17000March 2012

Sensex 15000August 2009

15.07%*

SY

STE

MAT

IC

INVESTMENT P

LAN

(SIP

)SY

STE

MAT

IC

INVESTMENT P

LAN

(SIP

)

Start*Avg SIP Return of Top 100 MF Equity

Schemes as on 31st March, 2012

EVERGREEN INVESTMENT MANTRAEVERGREEN INVESTMENT MANTRA

A SURE SHOT FOR GOAL ACHIEVEMENT

The Purest Form of Investment “GOLD”INVEST TODAY. FOR TOMORROW.

‘THE GOLD SAVING FUNDS’

A “Fund of Fund" (FOF) is an investment Fund strategy of

holding a portfolio of other investment funds rather than

investing directly in shares, bonds or other securities.

THE BENEFITS OF INVESTING IN GOLD FUND:

Purity: Gold will be bought in the purest form. All gold bullion in the Gold ETF would be of fineness (purity) of 995 parts per 1000.

Liquidity: Investor can subscribe and redeem gold fund on all business days.

Custody: Gold held by the underlying scheme i.e. GETS will be in safe custody of custodians. Hence no locker is required.

Systematic Investment Plan (SIP): A long term disciplined investment technique, which provides a systematic way of investing in gold.

No DEMAT account: Gold Fund provides an opportunity for the investor, to take exposure into gold as an asset class, in smaller and convenient investment amount without having a demat account.

Availability of add on facility: The fund allows investors to avail add on facility like systematic transfer plan, systematic investment plan, and systematic withdrawal plan.

Source: Bloomberg; Data in USD; Data as on July 29, 2011; Returns are CAGR

.

19.77%

10 years 5 years 3 years 1 year

45%

40%

35%

30%

25%

20%

15%

10%

5%

0%

20.70%20.98%

39.29%

Gold has performed consistently overdifferent time periods in last 10 years.

What if you deserve

for full and get...

...the same happens

with your Income

Paying Income Tax every year is mandatory...

SAVE TAX! SAVE TAX! Save Your Hard Earned Money

SAVE UPTO

Equity Returns + Tax Savings u/s 80CEquity Linked Saving Schemes (ELSS)

*

*

COMPREHENSIVE CLIENT DESKCOMPREHENSIVE CLIENT DESKA unique offering through which the client can access all the details related to his investment by a dedicated login. Client can avail reports related to the latest valuation, profit and loss, AMC exposure, dividends and transactions.

Complete Portfolio investment

managment tool

Products covered

- MF

- Direct Equity

- Fixed Income

Physical

- Realty

Private equity & debt

Insurance

Nature of reports

Product specific reports

- Valuation

- Transaction

- P & L

- Interest - Maturity

Consolidited reports

- Net asset

- P & L

- Performance

Hello, I am Ravi.

My customer id 23416.

Please purchase units

worth Rs. 20,000/- in

XYZ growth Scheme.

FOR TRANSACTION RELATED QUERIES CONTACT 1800 200 0155

TRANSACTCALL n

BUY/SELLUNITS OF MUTUAL FUNDS OVER PHONE

FROM ANYWHERE - INSTANT. ACCURATE. CONVENIENT

Call on <0261 3987500> to place your transaction

NJ TRADING & DEMAT A/CTHE ADDED BENEFIT FOR TODAY...TOMORROW

Easy, Convenient &Accurate way of Transacting

Purchase & Redemptionof units available

Registration of

Systematic Investment Plan (SIP)

Units will be available in

Demat Account

Paperless Transaction

Instant alerts on

registered email & Mobile no.

The role of a WEALTH ADVISOR is to look at all aspects of your lifestyle, goals and requirements and develop a

financial strategy suitable for you. The recommended strategy should help you reach your goals effectively and

efficiently. WEALTH ADVISOR concentrate on the task of providing sound strategic and technical advice on an

ongoing basis.

Any changes in your goals, lifestyle and circumstances should be reflected in your Financial Planning. As

professional WEALTH ADVISOR we regularly review your financial strategy with you to ensure that all such

changes are incorporated.

Make your WEALTH ADVISOR your first point of contact for any decisions that can impact your financial future.

Regular interaction with your WEALTH ADVISOR can ensure that your financial strategy is always consistent with

your goals and WEALTH CREATION.

ROLE OF A WEALTH ADVISOR IN YOUR LIFE...

YOUR DETAIL

Disclaimer: All data / information mentioned in this publication is taken from various sources and are approximate in nature and we are not taking any responsibility or liability and neither does

guarantee its accuracy or adequacy or its realisation. Mutual Fund Investments are subject to Market Risks. Investors are advised to read the Offer Documents & Other Risk Factors carefully before

investing in any scheme. Past performance may or may not be repeated in future.