When it is a question of investing your money

deal only with the leaders of the industry

Bajaj Capital India’s oldest & largest Investment Advisory and Financial Planning company
GIVE US 15 MINUTES,
Bajaj Capital : Key Facts WE WILL SHOW YOU HOW TO MAKE YOUR CHILDREN

CROREPATIES
Over 42 years’s experience as Investment Advisor and Financial Planners

More than seven lakh satisfied customers all over India

Countrywide network of over 142 branches

Wide range of financial products and services You, your wife and all your
Strong team of 1500 Qualified and experienced professionals like Certified children can become
Financial Planners, Chartered Accountants, Tax Experts and MBA’s. Crorepaties
Bajaj Capital being a corporate body will serve you till the maturity of your scheme i.e. by investing Rs. 1000/- per
5/10/20/30 years. We can serve you any where in India which an individual agent can not do. month each
Impartial and independent Advice.
Bajaj Capital does not have any shareholding in any Mutual Fund / Insurance Company and
neither any Mutual Fund / Insurance Company has any stake in Bajaj Capital. Hence we give
best advice in the interest of our clients.
Please contact us today
Please Visit | Write | Phone | E-mail Create wealth by investing
us for complete details
Ph. 011-41693000 New Delhi, For all
in the growth schemes of
metro cities call: 39881010 top-ranking diversified
E-mail: info@bajajcapital.com
Equity Mutual Funds of your
Bajaj Capital Ltd., Bajaj House, 97, Nehru Place, New Delhi-19, India
choice through Systematic
Call Centre: 39881010 Visit us at: www.bajajcapital.com
Also At: United India Life Building, F-Block, Connaught Place, New Delhi - 110001, India. Ph.: investment plan(SIP) . Bajaj
41790444 (30 Lines), 23314600 Capital represents Mutual
For more details, please Contact us
Funds promoted by State
Bank of India, Life
Insurance Corporation
Drashti Investments
of India, Pru ICICI, HDFC,
drashti.investments@rediffmail.com
TATA,Birla, Reliance,
© All rights reserved in favour of Bajaj capital ltd. Reproduction of this brochure in Templeton, Fidelity etc.
whole or in part without written permission of the Company is prohibited.
Immitation of any Label, Graphics & Colours is a Criminal & punishable offence.
Risk Factors:- All investments in mutual funds are subject to market risks. Please read offer document of the
Mutual Fund before investing. The Net Asset value (NAV) of the Scheme(s) may go up or down depending upon
the factors and forces affecting the stock markets. There can be no assurance that the objectives of the
Scheme(s) will be achieved. “Top Ranking Indian Mutual Funds
#Past performance of the Sponsor, AMC, Mutual Fund or any associates of the sponsor /AMC does not indicate gave highest returns for
the future performance of the scheme(s) of the mutual Funds. the last 10 years: up to 35% PA.”
*Growth charts are worked out @18% p.a. assumed return in diversified equity mutual funds, although for the
last 10 years return of diversified equity mutual funds has been around 35% p.a in top performing equity Times of India, News Delhi, Date:-20-11-06
mutual funds. Charts shown in this booklet give a hypothetical example indicating power of compounding, Since 1964
rupee cost averaging and benefit of long term equity investments.
 Bajaj Capital Financial Planning and wealth creation Guide Bajaj Capital Financial Planning and wealth creation Guide

MAKE YOUR CHILDREN CROREPATIS YOU CAN GET AROUND

RS. 35 LAKHS OR MORE
…by investing only Rs 1,000 per child per month for your Child’s Foreign/Higher Education
By investing as little as Rs. 1000 per month, and your children can hope to get a rupees one by investing Rs. 2,000 per month each
crore (as per chart below) each when they are grown up and needs it the most. Give your child a great start in life. By investing as little as Rs. 2,000 per month, and
you are likely to accumulate Rs. 35 lakhs by the time your child is ready for higher
Create wealth through Systematic Investment Plans (SIP) of top-ranking Equity Mutual
studies when he or she is of 20 years of age or so.
Funds growth schemes. Bajaj Capital represents Mutual Funds promoted by State Bank of
India, Life Insurance Corporation of India,Pru ICICI, HDFC, Tata, Reliance, Franklin Create wealth through Systematic
Templeton, Fidelity etc.Growth calculation chart as under: Investment Plans (SIP) of top-ranking
POWER OF COMPOUNDING Mutual Funds growth schemes . Bajaj
POWER OF COMPOUNDING RS. 2000 PER MONTH INVESTED IN THE Capital represents Mutual Funds
RS. 1000 PER MONTH IS LIKELY TO GROW TO SIP (SYSTEMATIC INVESTMENT PLAN) promoted by State Bank of India, Life
Rs. 1 CRORE OR MORE AS FOLLOWS OF DIVERSIFIED EQUITY MUTUAL FUND Insurance Corporation of India,
Prudential ICICI, HDFC, Tata, Reliance,
IS LIKELY TO GROW TO
F r a n k l i n Te m p l e t o n , F i d e l i t y
Year amount Year amount Rs. 35 LAKH OR MORE AS FOLLOWS etc.Growth calculation chart as under:
1 12000 17 1044816
2 26160 18 1244883 Year amount Year amount
3 42869 19 1480962
4 62585 20 1759536 1 24000 11 690123
5 85851 21 2088252 2 52320 12 838346
6 113304 22 2476137 3 85738 13 1013248
7 145698 23 2933842 4 125170 14 1219633
8 183924 24 3473934 5 171701 15 1463166
9 229030 25 4111242 6 226607 16 1750536
10 282256 26 4863265 7 291397 17 2089633
11 345062 27 5750653 8 367848 18 2489767
12 419173 28 6797771 9 458061 19 2961925
13 506624 29 8033369 10 564511 20 3519071
Anytime withdrawl allowed Anytime withdrawl allowed
14 609816 30 9491376
15 731583 30.4 10145591
16 875268 Impact of inflation on higher education
If the expenses on higher education are Rs. 5 lakhs today, after 20 years
TIP TO MAKE SEVERAL CRORES OF RUPEES these will be Rs. 25 lakhs. Inflation assumed @ 5%
In case you want to invest more than Rs.1000/- per month, you
should do it in the growth schemes of different Mutual Funds. For
instance if you want to invest Rs. 5000/- per month, you should Give your children smooth landing in life. Give them
invest in 5 different Mutual Funds and you are likely to get Rs. 1 higher education to have an edge over others in life
crore from each Mutual Fund, making a total of Rs. 5 Crores.
*Calculated at an expected 18% rate of return per annum from equity Mutual Funds in India, though the average
return for the last 10 years has been more than 35% per annum in top ranking diversified equity MUtual funds
*Calculated at an expected 18% rate of return per annum from equity Mutual Funds in India, though the average This is a hypothetical example showing power of compounding and benefit of long term equity investment
return for the last 10 years has been more than 35% per annum in top ranking diversified equity MUtual funds
This is a hypothetical example showing power of compounding and benefit of long term equity investment
 Bajaj Capital Financial Planning and wealth creation Guide Bajaj Capital Financial Planning and wealth creation Guide

YOU CAN GET AROUND YOU CAN GET

RS. 35 LAKHS OR MORE RS. 50 LAKHS OR MORE
for your Daughter’s Wedding
by investing Rs. 2000 per month
Start investing today to give your little daughter a gala send-off. By investing as little
To buy your Dream
as Rs. 2000 per month, you can hope to accumulate Rs. 35 lakhs by the time your House/Flat in any
daughter is ready for marriage i.e when she is 20 year old or so.
locality of your choice
Create wealth through Systematic Investment Plans (SIP) of top-ranking Mutual Funds.
Bajaj Capital represents Mutual Funds growth schemes promoted by State Bank of
India, Life Insurance Corporation of India, Prudential ICICI, HDFC, Tata, Reliance,
Franklin Templeton, Fidelity etc. Growth calculation chart as under:
POWER OF COMPOUNDING

POWER OF COMPOUNDING Just by investing RS. 3000 PER MONTH INVESTED IN THE
SIP (SYSTEMATIC INVESTMENT PLAN)
RS. 2000 PER MONTH IN THE SIP
(SYSTEMATIC INVESTMENT PLAN)
Rs. 3000 per month OF DIVERSIFIED EQUITY MUTUAL FUND IS
LIKELY TO GROW FROM
OF DIVERSIFIED EQUITY MUTUAL FUND Rs. 50 LAKH TO RS. 1 CRORE AS UNDER
(GROWTH SCHEME)
Start investing Rs. 3000 per month in the Year amount Year amount
Year amount Year amount
Systematic Investment Plans (SIP) of top 14 1829449
1 24000 11 690123 1 36000
ranking diversified Equity Mutual Funds 15 2194750
2 52320 12 838346 2 78480
(growth scheme) and your money is likely 3 128606 16 2625805
3 85738 13 1013248 to grow as per this chart. 4 187756 17 3134449
4 125170 14 1219633
5 257552 18 3734650
5 171701 15 1463166
Create wealth through Systematic 6 339911 19 4442887
6 226607 16 1750536
Investment Plans (SIP) of top-ranking 7 437095 20 5278607
7 291397 17 2089633
8 551772 21 6264756
8 367848 18 2489767 Mutual Funds.Bajaj Capital represents
9 687091 22 7428412
9 458061 19 2961925 Mutual Funds promoted by State Bank of
10 846767 23 8801526
10 564511 20 3519071 India, Life Insurance Corporation of India,
Anytime withdrawl allowed 11 1035185 23.8 10075945
Prudential ICICI, HDFC, Tata, Reliance, 12 1257519 one crore
Franklin Templeton, Fidelity. etc. 13 1519872
Impact of inflation on marriage expenses
Anytime withdrawl allowed
in future
If the expenses on good style of marriage are Rs. 5 lakhs today, after 20 Avoid loan from Bank for peaceful life.
years are likely to be around Rs. 25 & 30 lakhs. Start investing from Investment in SIP (Systematic investment plan) of top-ranking diversified Equity
today and lead worry free life. Inflation assumed @ 5% Mutual Funds growth schemes will help you to accumulate huge funds
conveniently in due course of time for buying your dream House/Flat with your own
money .
*Calculated at an expected 18% rate of return per annum from equity Mutual Funds in India, though the average
return for the last 10 years has been more than 35% per annum in top ranking diversified equity MUtual funds *Calculated at an expected 18% rate of return per annum from equity Mutual Funds in India, though the average
This is a hypothetical example showing power of compounding and benefit of long term equity investment return for the last 10 years has been more than 35% per annum in top ranking diversified equity MUtual funds
This is a hypothetical example showing power of compounding and benefit of long term equity investment
 Bajaj Capital Financial Planning and wealth creation Guide Bajaj Capital Financial Planning and wealth creation Guide

Make your retired/old age Your ONE TIME Investment of Rs. 50,000/-
comfortable and honourable can grow to Rs. 1 crore or even more
Earn your own Pension upto Invest just ONE TIME investment of Rs. 50,000 in the growth scheme of any of
Rs. 2 lakhs per month the top ranking Diversified Equity Mutual Fund of your choice. You are likely to get
You and your wife can invest Rs. 1000/- around Rs. 1 crore or more over the period as per the chart given below:
each and both of you are likely to get Rs.
1 crore each, i.e. total Rs 2 crore. Growth Calculation Chart
The following chart shows how your investment of Rs. 50,000 grows through
Create wealth through Systematic Investment the amazing power of compounding.
Plans (SIP) of top-ranking Diversified Equity
Year amount Year amount
Mutual Funds (Growth Schemes). Bajaj capital
represents Mutual Funds promoted by State 1
2
59000
69620
18 983663 COMPARISON
Bank of India, Life Insurance Corporation of 19 1160722 Comparative annualised return for
POWER OF COMPOUNDING India, Pru ICICI, HDFC, Tata, Reliance, Franklin 3 82152 20 1369652
4 96939 investors in different investment
Templeton, Fidelity etc. Growth calculation 21 1616189
5 114388 22 1907103 options in India for the last 10 years
Year amount Year amount chart as under: 6 134978 23 2250382
17 1044816 7 159274 Gold 8.95 %
1 12000 24 2655450
2 26160 18 1244883
PROVISION FOR PENSION 8 187943 Property
25 3133431 Average annualised return on
3 42869 19 1480962 When you get this amount in lump-sum some 9 221773 26 3697449 prestigious properties in Delhi,
4 62585 20 1759536 amount can be invested in regular interest 10 261692 27 4362990
paying Government Schemes paying Mumbai, Banglore and Chennai* 21.43%
5 85851 21 2088252 11 308796 28 5148328 Direct Equity Shares
6 113304 22 2476137 currently around 9% p.a and some amount 12 364380 29 6075027 average annualised return of 16 top performer
7 145698 23 2933842 can be invested in Diversified Equity Mutual 13 429968 30 7168532 equity shares 29.39%
8 183924 24 3473934 Funds (Dividend pay out option) where 14 507362 31 8458868 Equity Mutual Fund
9 229030 25 4111242 approximate yield has been around 18% p.a 15 598687 32 9981464 average annualised return on 8 top performing
10 282256 26 4863265 in the past. You and your wife can expect to 16 706451 32.1 10148046 Equity Mutual Funds 32.04%
11 345062 27 5750653 earn handsome monthly return (you may call 17 833612
12 419173 28 6797771
it life-long pension) around Rs.1 lakh per The Times of India, New Delhi, Date:-20-11-06
13 506624 29 8033369
month each i.e. total Rs. 2 lakhs per month for
14 609816 30 9491376
both of you. Indian Mutual Funds gave highest returns Over 10-Year
15 731583 30.4 10145591
Period, List of 10 Best Performing Funds Globally
16 875268 Anytime withdrawl allowed
Name Country Return in 10 yrs(%)
Indicative Pension Chart Reliance Growth Fund India 35.21
Accumulated Rate of return/ Approximate Return: HDFC Equity Fund India 34.29
amount invested : Dividend : Franklin India Blue Chip India 32.18
Rs. 1 Crore 11% pa Rs. 91,667/- per month Principal Personal Tax Saver India 32.1
Rs. 1 Crore 12%pa Rs. 1 Lakh per month India Advantage (Birla Sunlife) India 31.88
Rs. 1 Crore 15%pa Rs. 1.25 Lakhs per month Franklin India Prima Plus India 31.8
HSBC GIF India Equity (Luxemberg) India 31.42
Average 12% pa return on Rs. 2 crores can be around Rs. 2 lakhs per
Reliance Vison Fund Growth India 30.46
month
*Calculated at an expected 18% rate of return per annum from equity Mutual Funds in India, though the average *Calculated at an expected 18% rate of return per annum from equity Mutual Funds in India, though the average
return for the last 10 years has been more than 35% per annum in top ranking diversified equity MUtual funds return for the last 10 years has been more than 35% per annum in top ranking diversified equity MUtual funds
This is a hypothetical example showing power of compounding and benefit of long term equity investment This is a hypothetical example showing power of compounding and benefit of long term equity investment
 Bajaj Capital Financial Planning wealth creation Guide Bajaj Capital Financial Planning wealth creation Guide

BECOME It was never so easy to accumulate

SUPER RICH
MAKE CRORES AND CRORES OF RUPEES
Whenever and whatever amount you can spare from time to time (say Rs. 20,000/-,
Rs. 30,000/-, Rs. 40,000/- or Rs. 50.000), Just invest ONE TIME only in the growth
schemes of top-ranking Diversified Equity Mutual Funds and you can hope to get Rs.
1 crore for every investment made by you. Resolve to make all the members of your
family crorepatis.
crores of rupees in the past… as it is NOW
In the past, Equity market was not wide, India growth story was not there, Indian
companies were not growing so fast nationally and internationally. Mutual Funds and
their innovative schemes were not there, tax-free investment options were not there,
computerized calculations and compounding of return was not possible. With all
these facilities now available, every investor in Diversified Equity Mutual Funds can
hope to accumulate crores of rupees over a period of time.

ONE TIME INVESTMENT HOW IT CAN HAPPEN

JUST ONE TIME INVESTMENT OF ANY OF THE FOLLOWING AMOUNTS (I). Top Diversified equity mutual funds have given compounded annual return of
IN THE GROWTH SCHEME OF TOP RANKING DIVERSIFIED EQUITY MUTUAL FUNDS, more than 35% per annum for the last 10 years.
CAN GROW TO RS. 1 CRORE OR EVEN MORE (ii). The annual growth rate of reputed Indian companies is 20-30% p.a.
(iii) Diversified Equity Mutual funds invest their money in Indian and multinational
companies engaged in manufacturing and services industries. The demand for
Rs.20 Thousand can accumulate to 10087730 in 37.6 years their products will go on increasing every year because of increase in population
Rs.30 Thousand can accumulate to 10004139 in 35.1 years and increase in purchasing power in India. The value of their shares will go up
Rs.40 Thousand can accumulate to 10067440 in 33.4 years when companies make more money, In turn the value of investment made by the
Rs.50 Thousand can accumulate to 10148046 in 32.1 years mutual funds in these companies will also go up. Hence the investor who has
Rs.60 Thousand can accumulate to 10150641 in 31years invested in these mutual fund would get handsome returns.
Rs.70 Thousand can accumulate to 10035945 in 30 years (iv). Your money will be invested by the mutual funds in number of reputed Indian and
Rs.80 Thousand can accumulate to 10047190 in 29.2 years multinational companies engaged in different industries, hence your risk is
Rs.90 Thousand can accumulate to 10066528 in 28.5 years reduced as you “do not put all your eggs in one basket”
Rs.1 lakh can accumulate to 10127634 in 27.9 years (v). Indian economy is on the growth path according to Indian and international
Rs.2 lakh can accumulate to 10107263 in 23.7 years economists
(vi). Your investment will be handled by highly experienced and qualified mutual fund
Rs.5 lakh can accumulate to 10000791 in 18.1 years managers who have excellent track record
Anytime withdrawl allowed

Albert Einstein Patience pays

Albert Einstein had correctly described compounding ! A seed needs time and patience to become a fruit tree.

of interest as eighth wonder of the world
*Calculated at an expected 18% rate of return per annum, though the average return for the last
10 years has been more than 35% in some top performing equity funds
This is a hypothetical example Showing power of compound interest and benefit of long-term
equity investment
! A child needs time and patience to become an adult.
! SIP of Diversified Equity Mutual Funds (Growth Schemes) need time
and patience to grow into huge amount. SIPs reward only long term
investors because of rupee cost averaging and power of compounding.
!In short-term SIPs of 6 month or 1 year, return can be negative also.
 Bajaj Capital Financial Planning wealth creation Guide
SIP IS THE SAVIOUR FOR INVESTOR
Systematic investment plan (SIP) in the growth schemes of Diversified Equity
Mutual Funds have proved to be the best and time-tested method for wealth
creation and for earning higher return. Inspite of various depressions in the stock
market for the last 10 years, average return by top-performing equity mutual funds
was 35%. SIP saves the investors from the jerks and jolts of the share market
fluctuations. SIP has proved to be saviour for the long term investors.
Disclaimer
(a) The calculation and growth chart is just indicative. Your amount is likely to grow
to more than Rs. 1 crore or may remain less than Rs. 1 crore, depending upon future
performance of mutual funds in which you choose to invest. Read their offer
documents before investing
(b) The example above is merely illustrative in nature and should not be construed as
investment advice by Bajaj capital. The trend of such returns may/ may not be uniform
during the SIP period and / or in future. It does not in any manner imply/ suggest
performance of any scheme of any mutual fund.
(c) Mutual Funds do not assure any fixed return on your investment and neither past
performance is a guarantee for future return. But since Top -Performing Mutual
Funds have been giving return upto 35% per annum for the last 10 years, they are
likely to show good performance in future also.
NO OTHER INVESTMENT IN INDIA OFFERS SO
MANY UNIQUE FEATURES AS MUTUAL FUNDS
SEBI Regulation:
Mutual fund in India are governed by SEBI (Securities Exchange Board of India)
Tax free return
According to current income-tax rules dividends received from mutual funds are tax
free as compared to a Bank Recurring Deposit, where interest is taxable. Also, when
you get lump sum amount, you do not have to pay any tax as long-term capital gains
from Mutual Funds are tax-free as per current tax rules.
Transparency
Quarterly statement will be sent to you by the mutual funds showing you as to where
your money is invested.
Flexibility: Your total control
It is your money, hence you should keep on monitoring the performance of the
mutual funds in which you chose to invest. If need be you can shift your investment
from one mutual fund to another which is performing better.
Be an optimist. I have not seen any person who is
pessimist and has lot of money
Henry ford
Bajaj Capital Financial Planning wealth creation Guide
BEAT INFLATION
Did you know? If your expenses are Rs. 20,000 per month
today, these will be Rs. 58,000 per month after 20 years?*
! In order to cover shortfall of your income in future, you have to beat inflation. Just
invest Rs. 2000 per month in the growth schemes of diversified Equity Mutual Fund
through the systematic Investment Plan (SIP) of diversified Equity Mutual Fund
(Growth Scheme)is likely to grow to Rs. 1 crore or more in due course of time. When
you get Rs. 1 crore, you can invest some amount in
Burden of
Goverment Schemes and some amount in Diversified
Equity Mutual Funds (Dividend pay-out options) and
inflation
can hope to get an approximate return around Rs. one
lakh per month, without spending your capital
amount, which will take care of your higher expenses
at that time. (see indicative chart on page no. 5). This
pension can continue even for your next generation.
*Inflation assumed @ 5% per annum
Build a dam against old age worries by accumulating huge
wealth
After 40 years of trial and errors of inventing a fool-proof system of creating huge
wealth from stock market, Bajaj Capital’s investment Advisors/Financial Planners
have come to the conclusion that systematic investment plan(sips) of diversified
equity mutual funds (in their growth schemes) is the best option for long term
investors. One can build a DAM against all sort of financial uncertainties in life.
This DAM (substantial wealth) can be constructed by you
conveniently brick (SIP) by brick (SIP) every month.
ACT TODAY
THE BEST TIME TO INVEST MONEY WAS 10
YEARS AGO. THE SECOND BEST TIME IS NOW