THERE ARE IMPORTANT FINANCIAL GOALS IN LIFE

CHILDS
MARRIAGE
Good plans shape good decisions. That's why good
planning helps to make elusive dreams come true.
Geoffrey Fisher

CHILDS
HIGHER EDUCATION

YOUR OWN
RETIREMENT

The one thing we can do is invest in the quality

of education, especially higher education.

To enjoy a long,
comfortable retirement, save more today.

Ron Kind

Suze Orman

GAP

GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIPS

Presenting

GAP

GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIPS

Dear Investors,
NJ GAP is an idea to help you achieve your long-term goals at
the right time by investing systematically in the right avenues
through Systematic Investment Plan (SIP). NJ GAP helps you
direct your savings to meet the goals, obligations & dreams
like buying a house, higher education, marriage, retirement,
luxury etc. and enjoy life. We believe that with proper
planning, right approach and disciplined behaviour anything
is possible to achieve in life.
Wishing you all the best.

GAP

GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIPS

INFLATION
THE BIGGEST HURDLE IN YOUR FINANCIAL GOALS ACHIEVEMENT
As per RBI estimates WPI inflation has grown by 6.8% in the last 30 years
How Inflation is eating your Money
1990
R1,00,000/-

1995

GOLD

PETROL DIESEL

MILK

1990

3200

9.84

4.08

6.00

2003

5600

32.49

21.21

13.00

2015

26720

70.95

60.11

50.00

Actual Inflation

9.2%

8.6%

11.9%

9.2%

R65,908/-

2003
R33,825/-

2015
R13,518/-

Reduced value of money @ 8% inflation p.a.

Source : RBI, Bloomberg, NJ Internal

GAP

GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIPS

INFLATION
CHILDS
HIGHER
EDUCATION

RETIREMENT

HOUSE HOLD EXPENSE

2015
2025*
2005
R15,000/R25,000/R60,000/-

HIGHER EDUCATION
2005
2015
2025*
R3.16 lacs
R18.70 lacs
R36 lacs
Fees of PGDBM in IIM Bnagalore, Source: Times of India

CHILDS
MARRIAGE
PLANNING

MARRIAGE COST
2015
2025*
2005
R4-5 LACS R10-12 LACS R25-30 LACS
*Cost in the year 2025 assumed at 8% inflation p.a. on 2015 prices

GAP

GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIPS

ACHIEVING GOALS
THE RIGHT WAY TO CREATE LONG-TERM WEALTH?
Buying potential BIG WINNING STOCKS?
Successfully TIMING MARKETS
Following EXPERT recommendations
Saving a LOT OF MONEY

GAP

GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIPS

THE RIGHT WAY

SIMPLE , SMART & TIME TESTED FORMULA TO ACHIEVE GOALS

START EARLY

INVEST IN RIGHT ASSET CLASS

SAVE REGULARLY

=
GOAL ACHIEVEMENT
GAP

GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIPS

START EARLY
GIVE TIME TO YOUR INVESTMENT RATHER THAN TIMING AND BENEFIT
FROM THE POWER OF COMPOUNDING
Systematic investing has a compounding effect on your investments. In the long term, an investment as low as R 5000/- per month swells
up into a huge corpus. This can be best explained by the following graph. The graph shows advantages of starting early. If an investor
starts early, even with lower invested amount he can create a large corpus.

5.70 CRORES

MR GUPTA

MR SAXENA

SAVING STARTING AGE

25 YEARS

45 YEARS

MONTHLY SAVINGS

R 5,000/-

R 15,000/-

SAVING TILL AGE 60YRS

35 YEARS

15 YEARS

TOTAL AMOUNT SAVED

R 21 LACS

R 27 LACS

WEALTH AT AGE 60 YRS

R 5.70 CRORES

R 0.92 CRORES

0.92 CRORES
25 YEARS

45 YEARS

60 YEARS

The above example is merely an illustration to explain the benefit saving at an early age. Returns are assumed at 15% CAGR. Assumed that SIP investment are done regularly
every month. No guarantee or assurance of return is being offered by any mutual fund or NJ. The actual result may vary from depicted results depending on scheme selected.

GAP

GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIPS

RIGHT ASSET CLASS

EQUITY MARKET HAS OUTPERFORMED ALL OTHER INVESTMENT AVENUES
18

Actual Gain

Real Gain

16

12

9.4

10

9.4

70000

9.9

8.9

8.3

6.9

50000

30000

2.4

2
0

1,02,826

90000

14

Growth of Rs. 1,000 in Different Asset Classes

110000

15.7

INFLATION

GOLD

2.4
SILVER

1.9

2.9

10000

BANK DEPOSITS CO. DEPOSITS

SENSEX

17,352

17,442

GOLD

SILVER

8,241
INFLATION

20,162

15,046

CO. DEPOSITS BANK DEPOSITS SENSEX

Growth in Different Asset Classes from March 1981 - March 2014

Source: Gold-Handbook of Statistics on Indian Economy, RBI. Silver - Handbook of Statistics on Indian Economy, RBI. Sensex - www.bseindia.com, Slide of PPT of HDFC MF.
Co Deposits - assumed (1% higher than Bank FD Rate). Bank Deposits - Handbook of Statistics on Indian Economy, RBI. Inflation - Handbook of Statistics on Indian Economy, RBI

It is evident from the graph that in the long term, equity investments have
outperformed other investment avenues and has beaten inflation by a huge margin.
Equity mutual funds over a long-term
horizon offer better risk-return pay off

Liquidity, Transparency and Convenience

GAP

GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIPS

INVEST REGULARLY
DISCIPLINED INVESTING THROUGH SYSTEMATIC INVESTMENT PLAN (SIPS)
Every investor dreams of buying at
a low price and selling at a higher
price. But, how does one know
whether any given time is the right
time to buy or sell? Many retail
investors try to judge the market
movements and end - up losing
their money in the long term.
A more successful strategy is Rupee
Cost Averaging wherein you invest
a fixed amount regularly. Thus you
purchase more when the price are
low and purchase less when prices
are high. SIP investments takes
advantage of this strategy.

(R)

1
2
3
4

(R)

10
8
9
11

1000
1000
1000
1000

(R)

(R)

100.00
125.00
111.11
90.91

4000
0
0
0

400
0
0
0

427.02

400

4697.22 @ NAV R11

4400 @ NAV R11

9.36

10

The above example is merely an illustration of Rupee Cost Averaging. The NAVs and returns generated are
purely indicative and do not depict the performance of any mutual fund scheme. The actual results may vary
from the depicted figures. No guarantee or assurance of return is being offered by the Mutual Fund or NJ.

Rising Market

Falling Market
Market

Unit Purchased

Market

Unit Purchased

SYSTEMATIC INVESTMENT PLAN (SIP) AN IDEAL WAY TO REDUCE RISK

AVERAGE COST PER UNIT < AVERAGE PURCHASE PRICE PER UNIT

GAP

GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIPS

SENSEX RETURNS
EQUITY NOT RISKY IN LONG TERM

266.88
-46.78
24.85
35
23
12
34.29

81.76
-15.21
18.00
33
27
6
18.18

53.04
-4.77
17.50
31
28
3
9.68

34.71
-2.09
17.11
26
25
1
3.85

33.94
2.24
16.65
24
24
0
0.00

27.40
6.49
15.66
21
21
0
0.00

Reducing probability of loss with increased investment tenure

Past Performance may or may not sustain in future. The scenarios depicted herein above is for illustration
purpose only and do not represent any forecasted performance. The above data shows returns for
investments done in sensex every year on 31st March starting from 1979 till 31st March 2014 and is based
on data available on www.bseindia.com which depicts performance of BSE sensex over a period of time.
It shall not be construed to be indicative of scheme performance in any manner.

GAP

GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIPS

TIME IS IMPORTANT
MARKET TIMING DOES NOT MATTER OVER THE LONG TERM
Best market timing (almost impossible) has yielded less than 2% additional return than
systematic investment. Time to go systematic.

INVESTING IN THE BSE SENSEX - 26 YEARS

15.34%
14.10%

12.70%

Data source: www.bseindia.com; capitalmarket

Period from Jan 1988 to December 2014

GAP

GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIPS

SENSEX RETURNS
YEAR

SENSEX

INVESTMENT

1979

100

R1,00,000

2014

27,499

R2,74,99,000

*As on 31 Dec 2014

IN PAST 36 YEARS BSE SENSEX HAS GIVEN

17% RETURNS (CAGR)

SENSEX HAS DELIVERED THESE RETURNS INSPITE OF

Two Wars

10 different governments

Major financial scandals

An unfair share of naturals disasters

Assassination of 2 Prime Ministers

Global crisis like Dot Com bubble of

2000 and Sub Prime crisis of 2008

At least 3 recessionary periods

GAP

GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIPS

POWER OF COMPOUNDING
DO YOU KNOW?
At the Rate of 15% Compounding
what will be the value of

R 1/Albert Einstein once noted that the most

powerful force in the universe was the
principle of compounding.

After 5 years

After 10 years

After 15 years

After 30 years

R 2/R 8/-

R 4/-

R 64/-

Give maximum TIME to your investment

to get most of POWER OF COMPOUNDING

GAP

GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIPS

SYSTEMATIC
INVESTMENT PLAN (SIP)
Systematic Investment Plan (SIP) is a 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
goals. For Investment purpose, we often wait to collect a large amount of money and investment it
all at once. Through SIP you can start with smaller amount on a monthly basis and create wealth
over the long term.

GAP

GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIPS

SIP PERFORMANCE
EQUITY NOT RISKY IN LONG TERM
PERFORMANCE OF SIP IN DIVERSIFIED EQUITY MF SCHEMES
15 yrs Performance Returns on R10,000 invested per month
Current
Category
CAGR (%)

Avg of MF Schemes
Sensex

Value (R)
1,12,87,175
64,99,490

21.88%
15.61%

(Total number of schemes covered : 34, Returns as on 31st Dec. 2014

SIP Amount of R10,000 per month. Total investment R18 Lacs)
SIP R10,000/- PER MONTH
INVESTED

CURRENT VALUE

*Returns as on 31st Dec 2014. For Schemes with dividend option, dividend reinvestment has been considered on
the date of dividend. Investment assumed to be done on 10th of every month. Source: NJ Internal

There are 34 equity funds, which have completed 15 years, the average SIP return of 34 diversified equity funds
is 21.88% over last 15 years. So someone who had started with SIP of R10,000 in December 1999, has
accumulated R1.12 Crores as on 31st December 2014 (on an investment of R18 lacs over the 15 year period).

GAP

GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIPS

SIP PERFORMANCE
PERFORMANCE OF SIP IN BALANCE FUND MF SCHEMES

15 yrs Performance Returns on R10,000 invested per month

Current
Category
CAGR (%)

Avg of BALANCE Schemes

Sensex

Value (R)
88,60,020
64,99,490

19.15%
15.61%

(Total number of Balance fund scheme covered 7, Returns as on 31st

December 2014. SIP Amount of R10,000 per month. Total investment
R18 Lacs)
SIP R10,000/- PER MONTH
INVESTED

CURRENT VALUE

*Returns as on 31st December 2014. For Schemes with dividend option, dividend reinvestment has been considered
on the date of dividend. Investment assumed to be done on 10th of every month. Source: NJ Internal

There are 7 balance funds, which have completed 15 years, the average SIP return 19.15% over last 15 years. So
someone who had started with SIP of R10,000 in December 1999, has accumulated R88.60 lacs as on 31st
December 2014 (on an investment of R18 lacs over the 15 year period).

GAP

GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIPS

WHY NJ GAP
WITH NJ GAP YOU CAN PLAN TO FULFIL YOUR GOALS IN LIFE

GAP

GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIPS

NJ GAP is a unique goal based investment programme through a

Systematic Investment Plan (SIP). Investors in this programme have
the flexibility of choosing a monthly investment amount as well as
the investment duration of their choice. NJ GAP would enable the
investors to plan for their goals without needing to review,
re-invest or for that matter time the markets.
With NJ GAP you can plan to fulfill all your desires in life.

REAP THE BENEFIT OF COMPOUNDING THROUGH SIP

GAP

GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIPS

NJ GAP FEATURES
Monthly Investment Option
2000

5000

15000

10000
20000

NJ GAP OFFERS INVESTORS WITH GREAT ADVANTAGES

INVESTMENTS IN THE RIGHT ASSET CLASS

INVESTMENTS ARE HIGHLY LIQUID

With NJ GAP, you would invest in Equities, an asset

class with potential to deliver very attractive
returns in the long run

There is no lock-in* period of any kind and

investments can be very easily redeemed at any
time wish.

TAX FREE RETURNS

CONVENIENCE

Long term capital gains in Mutual Funds for

investments above one year are nil. So, all returns
made through NJ GAP are TAX FREE (1 year & above
investment only).

You only have to fill the NJ GAP application form

and the Auto Debit (ECS) form and submit it with
one cheque.

GAP

GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIPS

SIP READY RECKONER

SIP FOR LONG TERM CAN GIVE YOU THE MAXIMUM RETURN

The above SIP Ready Reckoner is for illustration purpose only. The SIP amount, tenure of SIP, expected rate of return are assumed figures
for the purpose of explaining the concept of advantages of SIP investments. The actual result may vary from depicted results depending
on scheme selected. It should not be construed to be indicative of scheme performance in any manner.

GAP

GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIPS

TADA

N J T R A D I N G & D E M AT ACCO U N T

EASY - ACCURATE - CONVENIENT

A comprehensive platform especially designed keeping in mind the simplicity, accuracy &
convenience of the client.
NJ Trading Account & Demat Account (TADA) service, helps avoid the hassles & worries of
doing physical transactions. NJ TADA offers convenience in doing transactions in simple,
accurate, time and cost effective manner in multiple modes. It is a revolutionary platform,
which will empower you with great flexibility of transactions irrespective of product
category, transaction modes and payment option.

NJ TRADING & DEMAT ACCOUNT TRANSACTION FACILITIES

MUTUAL FUNDS

CAPITAL MARKET

EXCHANGE TRADED FUND

Purchase
Systematic Investment Plan (SIP)
Inter AMC Switch
Inter AMC STP
Redemption

Buy
Sell

Buy
Sell
Systematic Investment Plan (SIP)

GAP

GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIPS

NJ TRADING & DEMAT ACCOUNT FEATURES

ONE TIME DOCUMENTATION

OPERATIONAL EASE

New KYC & bank proof required*

No other documents needed

Single payment against multiple transactions

Single contact point for all information and updates

SINGLE WINDOW - MULTIPLE PRODUCTS

TAX BENEFIT U/S 80CCG

Mutual Funds
Equity Shares
Exchange Traded Funds

COMPREHENSIVE REPORTS

EASY & MULTIPLE MODES OF TRANSACTIONS

Online
Mobile
Offline***
On Phone*** (Call)

HIGH ACCURACY & SPEED

System driven transaction process

INNOVATIVE TRANSACTIONS.
Inter AMC Switch/STP
SIP In Exchange Traded Funds

NO GEOGRAPHICAL BARRIER
Transaction can be done from anywhere

Additional tax benefit with RGESS

All eligible securities available**
Transaction report
Valuation report
Profit & Loss report

CONVENIENT & SECURED PAYMENT OPTIONS

Debit Card
Net Banking
Auto Debit/ECS
Cheques

CENTRALISED CUSTOMER CARE

All query solutions at single point
Call 1800 200 0155

AUTO TRANSACTION ALERTS

SMS/Email alerts for transaction done

* As per the KYC guidelines issued by SEBI from time to time. **As per the guidelines of finance ministry from time to time.
***Terms and conditions applicable.

GAP

GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIPS

GAP

GOAL ACHIEVEMENT PROGRAMME THROUGH MF SIPS

CALL TODAY AND ACHIEVE FOR FINANCIAL GOALS...

WEALTH

FINANCIAL
PRODUCTS
DISTRIBUTOR
NETWORK

PARTNER

Disclaimer: The CAGR is computed based on IRR since SIP installment are received at different interval across the SIP Period. All information / data in the
presentation is taken from various sources including information developed in-house. All data and information assumed in the preparation of this document
is dated. The same may or may not be relevant at a future date. The actual future results may significantly vary and depends on various market factors,
political and other general economic conditions. Investors are requested to consult their financial advisors before taking any investment decision. Neither NJ
India Invest nor Mutual Fund and their employees or Directors takes no responsibility for any investment decision taken by investors. Prospective investors are
therefore advised to consult their own legal, tax and financial advisors to determine possible tax, legal & other financial implication or consequence of
subscribing to the units of Mutual Fund. Mutual Fund investments are subject to market risks. Investors are requested to read Scheme Information Document
and Statement of Additional Information before investing in any scheme.