Whose Money is It Anyway? What are the benchmarks for money management? Insurance Inflation Peace of mind.

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Presentation transcript:

Whose Money is It Anyway?

What are the benchmarks for money management? Insurance Inflation Peace of mind

Inflation in India: Some Real Numbers Jan 1995 to May 2014

What is goal-based investing?

Start early to invest less!

(b) Retirement (a) long-term goals Accident insurance Term Life insurance Emergency insurance Health insurance Inflation insurance

Retirement Planning

Asset Allocation Time FrameConservativeModerateRiskyMad-Max < 5 YearsFD/RD~ 10% Eq 30-40% Eq> 60% Eq 7 YearsFD/RD10-20% Eq40-50% Eq>60% Eq 10 yearsFD/RD40% Eq>60% Eq100% Eq Years<40% Eq60% Eq80% Eq FD/RD 100% Eq >15 Years< 60% Eq60% Eq80% Eq FD/RD 100% Eq Time FrameConservativeModerateRiskyMad-Max < 5 YearsFD/RD/Debt~ 10% Eq 30-40% Eq> 60% Eq 7 YearsFD/RD/Debt10-20% Eq40-50% Eq>60% Eq 10 yearsFD/RD/Debt40% Eq>60% Eq100% Eq Years<40% Eq60% Eq80% Eq FD/RD 100% Eq >15 Years< 60% Eq60% Eq80% Eq FD/RD 100% Eq

What is a CAGR?

Year 1Year 2Year 3Year 4Year 5 10%9%8%7%6% Year 1Year 2Year 3Year 4Year 5 10%

Year 1Year 2Year 3Year 4year 5CAGR 10% 10.00% Year 1Year 2Year 3Year 4year 5CAGR 25%7% 10.05% Year 1Year 2Year 3Year 4year 5CAGR -25%  21%  9.96% Year 1Year 2Year 3Year 4year 5CAGR -25%7% -0.34% Illustration: Volatile Compounding Year 1Year 2Year 3Year 4year 5CAGR 25%-25%7% 2.81%

Average Arithmetic average ~ 7% Standard deviation ~ 2% CAGR ~ 7% (12 year) Difference ~ 0.02% HDFC Liquid Fund

Sensex Total Returns Index: 1979 to 2013

Sensex 1979 to year CAGR Transformed Distribution: Square Root 14% +/- 4%

Higher risk does not imply higher return! Return Risk Standard Deviation

Higher risk does not imply higher return! Return Risk Standard Deviation FD Debt mfEquity mf Gold

How Important is Mutual Fund Selection?

Large Cap funds 10-year old funds: index + LIC Nomura+ JM fund 10 year SIP XIRR Baroda Pioneer Growth: 14.45% UTI Equity: 17.68%

Mid and Small-cap funds 10-year old funds: Sahara+Escorts+Taurus 10 year SIP XIRR ICICI Value Discover: 24.23% Kotak Mid-cap: 18.03%

How to select an equity mutual fund? Decide on the strategy. (1)Why are you investing? (2) What kind of portfolio will you be using?

Equity mutual funds: How to select/evaluate

Upside Capture ratio and downside capture ratios

Equity mutual funds: How to select/evaluate

Source:

How to select a debt mutual fund? Understand risks interest rate risk  capital gain/loss credit risk  accrual

How to select a debt mutual fund? Interest rate risk Credit risk

How to select a debt mutual fund?