1. W HY I NVESTMENT I S N ECESSARY A T E ARLY S TAGE ……. Elite Wealth Advisors will give you best services for:- *Finance Planning *Wealth Management *Portfolio Management Services For More Call us -011-40000919 or visit us http://www.elitewealth.in Contact Us

2. 25 Years What is the Average Age when one starts Earning? What is the Average Age when one starts Earning? Contact Us

3. What is the Average Retirement Age? 60 Years Contact Us

4. Rs.15,000/- p.m. What is an Average Income of an Middle-Class House-hold? What is an Average Income of an Middle-Class House-hold? Contact Us

5. Rs.5,000/- p.m. How much can a person save on a regular basis? How much can a person save on a regular basis? Contact Us

6. If a person can save Rs.5,000/- per month What will be his wealth when he retires? If a person can save Rs.5,000/- per month What will be his wealth when he retires? Assuming: He increases his investments by 5% every year Invests in an Asset class that gives returns of 20% Contact Us

7. At Age 60 his wealth would have been Rs.27 Crores Contact Us

8. 4.90 Crores* 27 Crores* 40 years 25 years60 years RamShyam Savings Starting Age2540 Savings - Monthly SIPRs.5,000/-Rs.15,000/- Saving Years till age 6035 years20 years Total Amount Saved (appx.) Rs.57 lacsRs.62 lacs Give time to your investments rather than timing Assumptions: (a) Savings grows at 5% annually (b) Returns assumed at 20% CAGR Give time to your investments rather than timing S TART E ARLY Contact Us

9. I NVEST R EGULARLY Builds wealth over the long term Just Rs. 1500 per month invested for 17 years @10% would grow to approx Rs. 8 lakhs…could be used for your daughter’s marriage Take advantage of market volatility Buy more when the markets are down Rs. 10,000 worth of Gold bought every month Highest price Lowest quantity Lowest price Highest quantity 20 grams 15 grams Contact Us

10.  It is the small drops that make an ocean!!  Relieves you of the last minute pressure  Slow and steady wins the race o E.g. Split your Sec 80C investments into smaller amounts and invest every month  Reduces the risk of investing at the wrong time o Difficult to predict the market and know when is the right time We earn regularly; We spend regularly Shouldn’t we also invest regularly? I NVEST R EGULARLY Contact Us

11. A small amount invested regularly can grow to substantial lumpsum A=P*{(1+i)**n-1}/i*(1+i) …….It all adds up! Rs. 22.6 lakhs 30 Rs.1000 invested every month for 30 years @10% I NVEST R EGULARLY Contact Us

12. One time investment of Rs.1 lakh invested for 30 yrs @ 6% 5.7 lakhs @ 10%@ 15% 17.45 lakhs 66.2 lakhs Earn more…it can make a big difference A= P(1+r)**n E ARN M ORE Contact Us

13. POWER OF COMPOUNDING - QUIZ Rs. 10,000 invested every month for a period of 30 years At 8% - At 15% - At 20% - 1.5 crores 5.6 crores 15.5 crores E ARN M ORE Contact Us

14. Create Wealth Start Early Invest Regularly Make your money work hard for you Earn More The Formula for Creating Wealth Contact Us

15. NEED FOR FINANCIAL PLANNING One of the most common reasons cited for not doing proper financial planning is “if I continue to earn as much as I do now, what is the big problem? And always my salary will only increase with experience and hence I will always have enough money at hand for unexpected expenses and regular living expenses.” The objective of financial planning is to ensure that the right money is available to the investor at the right time to enable him to meet the different goals in his life. Contact Us

16. NEED FOR FINANCIAL PLANNING (contd..) Examples:  Saving to buy a car costing around Rs 3,50,000 after 3 years.  Investing for higher education of children where money is required after 10 and 12 years.  Planning for retirement to meet expenses for 25 years after retirement.  Investing to save taxes in an efficient manner.  Passing on wealth to the next generation (estate planning) etc Contact Us

17. OBJECTIVES Emergency Funding Long Term Care Expenses Protection against Personal Losses Property Losses Unemployment Medical Care Expenses OBJECTIVES OF PERSONAL FINANCIAL PLANNING Contact Us

18. THE MILLION DOLLAR QUESTION I am convinced that I should save and invest regularly, but the million dollar question is… Where should I invest? Contact Us

19. A PERSONAL PLAN FOR INVESTING 1. Establish realistic goals 2. Determine the amount of money needed to meet your goals 3. Specify the amount of money available to fund your investments 4. List different investments you want to evaluate 5. Evaluate risk and potential return for each 6. Reduce possible investments to a reasonable number 7. Choose at least two different investments 8. Continue to evaluate your investment program Contact Us

20. INVESTMENT AVENUES Contact Us

21. RISK-RETURN TRADEOFF OF VARIOUS INVESTMENT AVENUES Contact Us

22. SAFETY AND RISK The Risk-Return Trade-Off Choosing higher risk investments, investors expect higher returns Contact Us

23. When Diversification Works  Must combine stocks that are not perfectly positively correlated with each other to reduce variance.  The greater the negative correlation between two stocks, the greater the reduction in risk achieved by investing in both stocks  The combination of these stocks reduces the range of potential outcomes compared to 100% investment in a single stock.  It may be possible to reduce risk without reducing potential return. Contact Us

24. Adding More Stocks to the Portfolio: Systematic and Unsystematic Risk Total risk is made up of two parts: 1. Unsystematic or Diversifiable risk and 2. Systematic or Non-diversifiable risk. Unsystematic risk, Company specific risk, Diversifiable Risk – product or labor problems. Systematic risk, Market risk, Non-diversifiable Risk – recession or inflation Well-diversified portfolio -- one whose unsystematic risk has been completely eliminated. – Large mutual fund companies. Contact Us

25. Adding More Stocks To The Portfolio: Systematic And Unsystematic Risk As the number of stocks in a portfolio approaches around 25, almost all of the unsystematic risk is eliminated, leaving behind only systematic risk. Contact Us

26. Portfolio Management Process  Specification of investment objective and constraints  Choice of asset mix  Formulation of portfolio strategy  Selection of securities  Portfolio execution  Portfolio revision  Portfolio evaluation Contact Us

27. Area of Knowledge required by Financial Planner  Developing personal financial statements and budgeting  Investment decisions and strategies  Retirement Planning  Insurance  Taxes and their implications on personal financial decision  Estate Planning  Knowledge of Law, Standards & Code of Ethics Contact Us

28. Warren Buffett Investment Principles  Look for the absence of change. Look for the business whose only change in the future will be doing more business.  Its far better to buy a wonderful company at a fair price rather than buying a fair company at a wonderful price.  Be fearful when others are greedy and greedy only when others are fearful.  If someone tells you they have a “foolproof” method to get rich in the stock market, run, don’t walk, for the nearest exit. Contact Us

29. Warren Buffett Investment Principles (contd..)  View stocks as businesses, not pieces of paper.  There are times when doing nothing is a sign of investing brilliance.  Take a close look at management.  Read, Read some more and then Think.  A few good investments are all that is needed.  Know the value of something rather than the price of everything. Contact Us

30. We can direct our savings in such a manner that we create wealth, the way we wish DISCIPLINED SAVINGS + SUFFICIENT TIME + RIGHT ASSET CLASS = Smart Investor’s Preference DISCIPLINED SAVINGS + SUFFICIENT TIME + RIGHT ASSET CLASS = Smart Investor’s Preference Using The Wisdom Contact Us

31. Elite Wealth Advisors Ltd Make Your Money Work For You Why Elite Wealth Become Your “Financial Ally” – Coordinating all aspects of your financial infrastructure Make Smart Decisions About Your Money One Point of Contact for all Financial Matters Provide Integrated Investment, i.e. – Retirement, Tax, Insurance, Wealth Accumulation Advice & Specialized Financial Service Help you to align your values and finances in pursuit of your stated goals, whatever they might be! Contact Us

32. Elite Wealth Advisors Ltd Make Your Money Work For You We enjoy a trusted relationship with our clients because we give them honest appropriate advice. Contact Us

33. CONTACT US Registered Office S-110, Sahara Mall, M.G.Road Haryana-122002 Ph # 0124-4068107 Corporate Office S-8, DDA Shopping Complex, Near Jeevan Anmol Hospital, Mayur Vihar Phase-1, Delhi-110091. Ph: 22758145, 22758165,22755894,22755896, 43035555(90 Lines) Fax: 011-22793402 Visit: www.elitewealth.in E-mail: info@elitewealth.ininfo@elitewealth.in Branch – Sarita Vihar B-104,LOCAL SHOPPING COMPLEX SARITA VIHAR, DELHI-110044, Ph-26972552/57,41000784 Branch - Greater Noida 604,TRADEX TOWER-1,3-B, ALPHA COMMERCIAL BELT, OPP.GOLF COURSE,, GREATER NOIDA -201306 Ph-0120-2321156, 2326851/52, 2321149 Fax-4298286 Elite Wealth Advisors Ltd Make Your Money Work For You Contact Us

34. Elite Wealth Advisors Ltd Make Your Money Work For You Contact Us