One from everyone

1 Term + 1 Health + 1 MF SIP

Concepts of planning
Asset
allocation

Power of
compounding

Human life
cycle & value

Starting of
early

Portfolio
review

Simple but seldom...

Illustration
Returns from different assets

CAGR in 10 Years

Growth of Rs.1Lac in 10 Years

WPI

Fixed Deposits

Real Estate

Gold

Equity

WPI

Fixed Deposits

Real Estate

1.66

14.71%

4.2

2.02

10 yrs return from different asset classes as on March 2011

Source : RBI & BSE & NHB

Equity

18.48%

5.45
3.94

Gold

5.22%

7.28%

15.43%

Illustration
Power of compounding & investing early

The impact of the power of compounding

across different rates of return and time
periods:
Amount of Rs. 100 leads to :

Rs. 1000 invested per month @15% p.a.

till the age of 60:
Rs. in Lacs
160.00
140.00

End of the Years

5%

10%

15%

20%

105

110

115

120

128

161

201

249

10

163

259

405

619

60.00

15

208

418

814

1,541

40.00

9,540

20.00

25

339

1,083

3,292

148.61

120.00
100.00
70.10

80.00

32.84
4.20

3.60

3.00

25

30

35

15.16
2.40

1.80

6.77

1.20 2.79

0.00

Investment

40
wealth at 60

A gap of 5 only years can result in a lot of difference in wealth creation !

45

50

May 14' Contest : 1 Term + 1 Health + 1 MF SIP

One from Everyone (1st May, '14 to 31st May, '14)
Designation

Products for the contest

Eligibility criteria

Dealers/FP/RM/BO

Term plan/Health ins/ MF SIP

BM

Term plan/Health ins/ MF SIP

At least 1 term, 1 health and 1 SIP to be sourced

Min.2 or 50% of the branch employees should
qualify whichever is higher

ASM/CH

Term plan/Health ins/ MF SIP

25% of the team should qualify

5% of area's revenue

CSM/RD

Term plan/Health ins/ MF SIP

25% of the team should qualify

5 % of region's revenue

Reward
15% of revenue

10% of branch revenue

Illustrated rewards
Assumption

Term + Health + SIP revenue (Rs.)

Reward (Rs.)

1 term of Rs.20000 + 1 health of Rs.20000 + 1 SIP of Rs.3000 for 36 months

10000 + 5000 + 1080 = 16080

2493

3 out of 6 employees qualifies with Rs.16080 revenue each

48240

4824

ASM/CH

13 out of 50 employees qualifies with Rs.16080 revenue each

209040

10452

CSM/RD

25 out of 100 employees qualifies with Rs.16080 revenue each

402000

20100

Designation

Dealers/FP/RM/BO
BM

Terms & Conditions

The contest period is from 1st May, 2014 to 31st May, 2014.
The reward is over and above the normal incentives.
Contest is open for all the employees of Anand Rathi Group in retail business.
Number of employees in branch includes FP, RM, Dealer, BO.
Focused MF's :- ICICI Pru focused blue chip fund, ICICI Mid cap fund, ICICI Pru discovery fund, ICICI Pru top 100 fund, Birla frontline equity fund.
MF SIP of minimum Rs.2000 with a tenure of 3yrs only. ( MF SIP less than 3 yrs will not be considered for this contest)
*Portability within our company will not be entertained.
*Renewals (Health ) and MF SIP in the same folio will not be considered.
Brokerages will be differ from schemes to schemes and company to company
Trail revenue will not be considered in the contest.
The sales dump from Intra Rathi would be considered for declaration of results, hence ensure the business are getting logged in the correct employee code.
No Request for changes & modifications in business from one employee code to another would be entertained.

Business should be logged during the contest period and issued before 15th June, 2014.
We will declare the Final result after the free-look & cancellations on or before 30th June, 2014.
Management decision will be final and binding for the contest.

Why SIPs
Systematic Investment Plan, A mode of investing in Mutual Funds which comes with unique advantages, like:
1. Rupee cost Averaging - Something which each investor aspires for but not able to achieve as effectively (in any
other way) as with SIP
2. Small Amounts of Investment Small amount systematically gets you a wealth accumulation that one is
dreaming for
3. Disciplined Investing - This is basic mantra for wealth creation. SIP kills the habit of timing the market for
investment. Each month a fixed sum is invested in the target scheme.
4. Convenience - Enroll for autodebit /ECS, the most hassle free way of investing. Can be stopped at any point of
time with one month notice to AMC/Bank
5. Long Term Investing - Again a cherished dream which in all practicality can be achieved best through SIP
6. Benefits of Compounding - SIP ensures this. Well elaborated in the calculator.
7. Deterrent for Extravagance - Spending pattern is one of the most critical part of Financial Planning. Once in Auto
debit/ECS mode the investors spending patterns are regulated.
When the steep corrections in market have created tension, SIP investors is smiling all the way as for him
corrections means allotment of units at a lesser NAV. For a growing economy with clear prospects of generating
hefty returns over a period of time getting allotments at attractive valuations is like winning a lottery.

Focused Schemes
Absolute %

CAGR %

NAV

Launch Date

Age
(yrs)

AUM Crs

1YR

2YR

3YR

5YR

Since
Inception

21.86

26-May2008

5.91

5,317

22.46

15.75

8.33

21.53

14.14

Birla SL Frontline Equity Fund(G) 118.61

30-Aug2002

11.65

4,412

22.96

18.99

9.16

20.76

23.65

ICICI Pru Top 100 Fund-Reg(G)

185.12

15-Jul1998

15.78

541

26.44

16.53

9.72

18.42

20.29

ICICI Pru Value Discovery FundReg(G)

71.77

16-Aug2004

9.69

3,357

32.66

20.21

12.77

29.23

22.57

ICICI Pru Midcap Fund-Reg(G)

42.90

29-Oct2004

9.48

231

39.97

17.10

9.52

22.52

16.60

Scheme Name

ICICI Pru Focused BlueChip Eq

Fund-Reg(G)

Illustration
1 TERM + 1 HEALTH + 1MF SIP
Investments
Mutual Fund
Term Plan
Health Plan
Total
Investments
Mutual Fund
Term Plan
Health Plan
Total
Investments
Mutual Fund
Term Plan
Health Plan
Total
Investments
Mutual Fund
Term Plan
Health Plan
Total

Current Age : 25 yrs Gender : Male Term : 30 Yrs

Per day @ Rs.
Per Annum @ Rs.
Description
Lumpsum
66
24000
Total Corpus
*1,38,46,559
34
12360
Life Cover
10,000,000
16
5678
Health Cover
5,00,000
42038
*1,38,46,559
Current Age : 30 yrs Gender : Male Term : 30 Yrs
Per day @ Rs.
Per Annum @ Rs.
Description
Lumpsum
66
24000
Total Corpus
*1,38,46,559
43
15590
Life Cover
10,000,000
16
5678
Health Cover
5,00,000
45268
*1,38,46,559
Current Age : 35 yrs Gender : Male Term : 30 Yrs
Per day @ Rs.
Per Annum @ Rs.
Description
Lumpsum
66
24000
Total Corpus
*1,38,46,559
62
22725
Life Cover
10,000,000
16
5678
Health Cover
5,00,000
52403
*1,38,46,559
Current Age : 40 yrs Gender : Male Term : 30 Yrs
Per day @ Rs.
Per Annum @ Rs.
Description
Lumpsum
66
24000
Total Corpus
**1,38,46,559
97
35478
Life Cover
10,000,000
16
5924
Health Cover
5,00,000
65402
*1,38,46,559

Mutual Fund return calculated @ 15%

This is average return of last 23yrs (1990-2013)

IRR : 12.97%
Brokerage in %
1.00
50.00
25.00
IRR : 12.61%
Brokerage in %
1.00
50.00
25.00
IRR : 11.89%
Brokerage in %
1.00
50.00
25.00
IRR : 10.79%
Brokerage in %
1.00
50.00
25.00

Life Insurance
Features:
1. Complete financial protection at affordable price
2. Higher insurance coverage at low premium
3. Cover long term liabilities (like Home Loans etc) or short term liabilities
Benefits:
1. Instant life cover
2. Extremely affordable premium
3. Tax benefit under sec 80C, 10(10D) on death of the Income tax act,1961
Premium at a Glance:
The below premium is calculated for Male Sum assured of 1 Crore for 30 Yrs term and
attached are the premium chart for your reference.

Health Insurance

Health care inflation has gone up to 18% leading to significant rise in medical care costs and making health
insurance premiums expensive as well.
Also, as healthcare expenses rise, the real value of the sum assured decreases.

Features:
Auto recharge of your policy Sum Insured.
Get health check-ups, every year.
Avail treatment anywhere in the world.
Cashless treatment at 3200+ hospitals & Daily allowance.
Auto recharge of your policy Sum Insured, if exhausted.
Get health check-ups for insured members, every year.
Avail treatment anywhere in the world.
Largest list of day care procedures-171.
No Claim-based loading & Lifetime renew.

Benefits:
Covers medical expenses.
Reduces mental and financial burden.
Various health insurance plans offer benefits such as regular health check-ups.
Tax benefit under sec 80 D
A family floater is convenient to cover children. It makes sense for a small family consisting of the policy holder,
spouse and children and where the members are young and healthy

Premium at a Glance:
The below premium is calculated on individual & family floater of 5 Lacs for 1 Yr term and attached are the
premium chart & product comparisons for your reference.

All the best!!