Empowering the Retail Investor Ajit Dayal Chairman, Quantum Information Services Limited.

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Empowering the Retail Investor Ajit Dayal Chairman, Quantum Information Services Limited

July 7, 2003The Investor Empowerment Programme, GIWA 2 Your money matters! Household savings, +23% of GDP, Rs 5,533 bn (US$ 118 bn) Corporate savings, +4% of GDP, Rs 895 bn (US$ 19 bn) Government savings, - 1.1% of GDP, minus Rs 253 bn (minus US$ 5 bn)

July 7, 2003The Investor Empowerment Programme, GIWA 3 Money flows into shares and debentures declining. Household sector put less money in financial assets Within financial sector the household sector put less money in shares and debentures

July 7, 2003The Investor Empowerment Programme, GIWA 4 New products and channels for your investment flows Directly into stock markets Mutual funds: equity, debt, balanced Insurance policies: new companies, some product changes Bank deposits: new banks, new products

July 7, 2003The Investor Empowerment Programme, GIWA 5 You make people rich! Mutual funds control approx Rs. 1,034 bn, (Rs 103,400 crores) a 1% average fee to the fund manager gives the AMC revenues of Rs. 10 bn (Rs 1,000 crores) every year! Trading volumes of avg Rs. 40 bn (Rs 4,000 crores) per day generate broking commissions of approx Rs. 26 bn (Rs 2,600 crores) every year!

July 7, 2003The Investor Empowerment Programme, GIWA 6 Do they make you rich?

July 7, 2003The Investor Empowerment Programme, GIWA 7 At the very least, do they provide you with a service? Educate – help make an informed decision Discuss alternatives that benefit you Advise, based on your situation, not theirs

July 7, 2003The Investor Empowerment Programme, GIWA 8 Scams, scams, and more scams…. Murarka Finance, 1987 Mazda Leasing and Mehta, April 1992 Morgan Stanley Mutual Fund, April 1994 tMt = TNT, 1999 – 2000 Mastershare and UTI 1988 – 2002 ?? You choose the alphabet, there is a “scam” around it…..

July 7, 2003The Investor Empowerment Programme, GIWA 9 Greed: Two hands to clap! The financial “services” industry wishes to make quick money, Investors wish to make “quick” profits, Greed on both sides Invest, do not speculate! The regulator will try to help you but will fail! – by definition has to fail (SEC in USA, SIB in UK, SEBI in India)

July 7, 2003The Investor Empowerment Programme, GIWA 10 Therefore… Keep your money at home, under a mattress? Step out into the world with realistic expectations – don’t be greedy Select a product or advisor that works for your long term benefit, not for a short term return or fee Buyer beware!

July 7, 2003The Investor Empowerment Programme, GIWA 11 “Tip” of the day… Information => Power + Discipline + Patience = Returns