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1. NSE EXPERIENCE THE NEVV India's index the world tracks.
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B S E - IN TE R N A L. “ Em p oweri n g Investors Through Education ”.
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Bombay Share Brokers' Meetirg place. 1855—70. Journey from 1875-2020 145 Years of Tradition, Trust and TRansparency.
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The Bombay Stock Exchange is known as the oldest exchange in Asia. In 1875, it became an association known as 'The Native Share & Stock Brokers’ Association'. In 1956, the Bombay Stock Exchange became the first stock exchange to be recognized by the Indian Government under the Securities Contracts (Regulation) Act. The Bombay Stock Exchange switched to an electronic trading system in 1995. On 19 th August 2005, it become Corporate Entity under the scheme of Corporatisation & Demutualistion of SEBI. Finally BSE got listed on Feb 3, 2017 on the NSE.
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BSE has set up an Investor Protection Fund (IPF) on July 10, 1986. Objective – To meet the claims of investors against defaulter Members, in accordance with the Guidelines issued by the Ministry of Finance, Government of India. BSE IPF is responsible for creating Capital markets related awareness and impart related education to the investor community in India. BSE IPF provides monetary relief to the investors, during the course of pendency of proceedings against trading members as per the guidelines issued by SEBI. IPF has corpus of Rs. 819.09 crores as on November 30, 2020..
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How to Secure your FINANCIAL FUTURE.
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Income. Let’s Understand your Cash Flow. Non Discretionary Expenses.
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Buying a house Retirement planning Buying a car Marriage Health Needs Supporting parents Vacations Upgrading Lifestyle Starting a business Education.
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Milk. Fruits & Vegetable. Inflation. Pani-Puri.
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1995. 2005. Lifestyle Inflation. 2020.
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1,00,000. 0. Fixed Deposits. Note: Tax calculated at 30%.
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Fixed Deposits Returns in Comparison with Inflation.
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LET’S ENTER INTO A DEAL.
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Rs. 1CR. v/s Re. 1. LET’S ENTER INTO A DEAL. SUN MON TUE WED THU FRI SAT 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 Total = 30 Crores.
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SUN MON TUE WED THU FRI SAT 1 ₹1 2 ₹2 3 ₹4 4 ₹8 5 ₹16 6 ₹32 7 ₹64 8 ₹128 9 ₹256 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 Total = 30 Crores.
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Sun Mon Tue Wed Thu Fri Sat 1 2 4 8 16 32 64 128 256 512 1,024 2,048 4,096 8,192 16,384 32,768 65,536 131,072 262,144 524,288 10,48,576 20,97,152 41,94,304 83,88,608 1.67 Crores 3.35 Crores 6.71 Crores 13.42 Crores 26.84 Crores 53.68 Crores Total = Rs. 1,07,37,41,823 (67 crores more!!!).
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17. Compound interest is the eighth wonder of the world. He who understands it, earns it... he who doesn't... pays it. fll&ent gotdtein AZ QUOTES.
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Equity. Which Asset Class beats Inflation & is Tax- Efficient?.
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Equity Investments in Comparison with Inflation. Rs . 1,00,00 invested for specified terms.
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16%. Compounded Annual Return*. Sensex Return Since 1979.
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INVESTOR’S RETURN. INVESTMENT’S RETURN. DIRECT EQUITY.
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MUTUAL FUNDS.
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Passed back to Pool their Money with Generates Invest in INVESTORS FUND MANAGER SECURITIES RETURNS.
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24. High Returns over long term. High Liquidity at NAV based prices. W.e.f. April 2020, Dividends are taxable in the hands of investors. Low Investment Size Risk is minimized through diversification Various Types of Funds to choose from Periodic Investment (SIP)/Withdrawal (SWP) facility along with STP Facility.
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Returns (10/5/3/1 Years 6/3/1 Months). Expense Ratio.
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Debt Hybrid Equity. Risk Categories.
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Liquid. Risk Categories. Short Term. Credit Opportunities.
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Very Short Term. Liquid Mutual Funds. Map MF to your Goals.
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Systematic Investment Plan (SIP). Daily, Monthly, Weekly, quarterly basis Direct debit Brings in discipline Power of Compounding.
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SIP of 1,000 per month. Years Investment Debt ( 7%) Balanced ( 9 %) Equity ( 12 %) 5 60000 71,598 75,271 81,104 10 120000 1,72,018 1,91,086 2,24,036 15 180000 3,12,863 3,69,281 4,75,931 20 240000 5,10,406 6,43,456 9,19,857 25 300000 7.74 Lakhs 10.65 Lakhs 17 Lakhs 30 360000 11.76 Lakhs 17.14 Lakhs 31 Lakhs 35 420000 17.21 Lakhs 27.13 Lakhs 55.1 Lakhs.
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SIP of 5,000 per month. Years Investment Debt ( 7%) Balanced ( 12 %) Equity ( 12 %) 5 3,00,000 3,57,992 3,76,357 4,05,518 10 6,00,000 8,60,094 9,55,430 11.2 Lakhs 15 9,00,000 15.64 Lakhs 18.46 Lakhs 23.79 Lakhs 20 12,00,000 25.52 Lakhs 32.17 Lakhs 46 Lakhs 25 15,00,000 39.37 Lakhs 53.26 Lakhs 85.11 Lakhs 30 18,00,000 58.80 Lakh 85.71 Lakhs 1.54 crore 35 21,00,000 86.05 Lakh 1.35 crore 2.75 crore.
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Equity SIP. Term Outflow Fund Value Difference 1000 5000 1000 5000 Outflow Returns 5 60,000 3,00,000 81104 405518 2,40,000 3,24,414 10 1,20,000 6,00,000 2,24,036 11,20,000 4,80,000 8,95,964 15 1,80,000 9,00,000 4,75,931 23,79,000 7,20,000 19,03,069 20 2,40,000 12,00,000 9,19,857 46,00,000 9,60,000 36,80,143 25 3,00,000 15,00,000 17,00,000 85,11,000 12,00,000 68,11,000 30 3,60,000 18,00,000 31,00,000 1,54,00,000 14,40,000 1,23,00,000 35 4,20,000 21,00,000 55,10,000 2,75,00,000 16,80,000 2,19,90,000.
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-35% Impact on wealth if one delays investing by just 3 years.
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Raj. Achieving Financial Goal. Benefit of starting early :.
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Systematic Withdrawal Plan (SWP). Scheme Amount Invested No. of Monthly installments Total Withdrawal Amount Value after 5 Years Pre Tax Return (%) Post Tax Return (%) Short Term 10,00,000 60 325,000 10,14,727 7% 5.6%.
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Savings to MF SIP. Total Initial Investment Amount Monthly SIP Amount (Rs.) STP Period No of Installments Total Amount Transferred Current Value Returns (%) 500,000 10000 5 Years 54 540000 0 3.5.
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Systematic Transfer Plan (STP). Total Initial Investment Amount Monthly STP Amount (Rs.) STP Period No of Installments Total Amount Transferred Current Value Returns (%) 500,000 10000 5 Years 60 600,000 14,708 7%.
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Emotionally rewarding. Financially rewarding. Real Estate.
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Inflation. Note: 6% appreciation Source: Internal comparison.
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1,00,00,000 Loan amount for 20 Years 90,000 2,16,00,000 1,16,00,000 Interest Paid Loan repayment in 20 Years EMI at 9%.
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24,000 Rent Per month Rental Yield 2.5% 66,000 Investable surplus 90,000-24,000 10,13,50,000 Rent increasing at 5% Surplus invested at 15% for 20 Years 15,00,000 Lumpsum.
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Emotionally rewarding. 75,78,190. Real Estate. Financially rewarding.
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Why to buy Life insurance. - Financial Dependants.
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Traditional Plan vs Term Plan + Debt Mutual Funds.
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ULIP vs Term Plan + Equity Mutual Funds. Particulars ULIP Term Plan + Equity Mutual Fund Monthly Payment Rs. 4200 400 (Term Insurance) + 3800 (remaining in investments) Tenure 15 Years 15 Years Total Insurance Payment Rs. 7,56,000 Rs. 72,000 Insurance Coverage Rs. 6,00,000 Rs. 25,00,000 Maturity Benefit Rs. 16,69,000 Rs. 23,43,000.
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Sr. No Treatment 2007 Cost 2017 Cost Growth Rate (pa) After 20 years 1 Cataract ₹ 16,000.00 ₹ 24,000.00 8% ₹ 1,21,500 2 Angiography ₹ 14,000.00 ₹ 22,000.00 9% ₹ 1,34,153 3 Coronary Artery By pass Graft (CAGB) ₹ 1,65,000.00 ₹ 2,35,000.00 7% ₹ 9,66,948 4 Appendectomy ₹ 28,000.00 ₹ 42,000.00 8% ₹ 2,12,625 5 Haemorrhoidectomy (Piles) ₹ 21,000.00 ₹ 35,000.00 11% ₹ 2,70,061 6 Cholecystectomy (Gall Bladder removal) ₹ 32,000.00 ₹ 52,000.00 10% ₹ 3,62,590 7 Angioplasty (PTCA) with 2 stents ₹ 1,55,000.00 ₹ 2,45,000.00 10% ₹ 15,29,338.
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Healthcare is becoming increasingly expensive. Immediate cash arrangement.
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Investor Grievance. Mode of filing complaints: Any investor having grievance against their Trading Member and/or claim against a Defaulter Member, can register the complaint/claim with BSE in respect of transactions executed on BSE trading platform . A standard Complaint Form has been specified to enable the Investors to lodge their complaints. The Investors may also lodge a complaint by providing detailing the facts and accompanied by relevant supporting documents. Investor can file complaint by following modes: In person at the Investor Service Center of the Exchange By Post / Courier By email By facility provided on BSE website under e-Complaint By SCORES (SEBI Complaints Redress System.
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Investor Grievance. Mode of Filing Complaints:. In person at the Investor Service Center of the Exchange: Investor can submit complaint at nearest Investor Service Centre of the Exchange by visiting office. Name of Investor Service Centre and contact details are available on Exchange website on link: https://www.bseindia.com/static/investors/cac_tm.aspx Investor who wants to file claim against Defaulter Member can visit on below website; wherein, Investor can get following information: Claim Form Norms for eligibility of claims for compensation from IPF FAQ on processing Investor claim List of Defaulter Member Notices issued by Exchange Copy of Public Notice issued by the Exchange for inviting claim against Defaulter https://www.bseindia.com/static/investors/Claim_against_Defaulter.aspx.
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Investor Grievance. Mode of Filing Complaints. By Post / Courier: Investor can send complaint by Post / Courier in prescribed complaint form along with supporting documents at the nearest Investor Service Centre. Address of Investor Service Centre and contact details are available on Exchange website on link: https://www.bseindia.com/static/investors/cac_tm.aspx By email: Investor can send complaint to Exchange by email along with supporting documents. Email id and contact details are available on Exchange website on link: https://www.bseindia.com/static/investors/cac_tm.aspx.