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Published byGerald Francis Modified over 9 years ago
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Our Focus :- Fulfill Investor’s Financial Goals & Value Added Services Our Strategies for Saving & Investment for investors Financial Needs based – Not Seller but Financial Solutions Provider Long term – Financial Needs – Education, Marriage, Asset, Retirement Asset Allocation – Proper Asset Allocation among Equity, Debt & Cash Diversified - Optimum Systematic – Not “ Timing-the-Market” but “ Time-in-the Market” Investment Objectives :- What Investors wishes and not wishes 1. Return 2. Risk 3. Period 4. Return Frequency
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What is Mutual fund:- A product for all & all time. A Mutual fund is a pool of money, which is collected from many investors and is invested in various types of securities by asset management company in line with investment objectives of investors. Investor will earn Dividend and Earn Capital Gain or Incur Capital Loss. Mutual Fund is Indirect and Collective Investment. preferable for those who do not have adequate TIME and proper KNOWLEDGE & wish to fulfilled all FINANCIAL NEEDS.
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Benefits of Mutual Fund :- WHY ? Professional Management Diversification [All types of Assets, Sectors & Industry] Convenient Administration [KYC+ Application + Cheque] Return Potential [ Very good compare to all assets] Low Costs [ Max 2.5 % ] Liquidity [ From one day to Max 5 Days ] Transparency Flexibility [ SIP, STP, SWP, Trigger, Switch ] Choice of schemes Tax benefits [ Dividend Tax Free & LTCG ] Well regulated by SEBI FREE Life Insurance FREE Personal Accident Insurance
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NAV = Net Assets of the Scheme / Number of Units CUT OFF TIME for Nav :- Purchase Transaction Liquid Fund – Before 2 p.m. & Get Money – Previous Day – After 2 p.m. – Transaction Day All Debt & Equity – Before 3 p.m. & Get Money – Transaction Day ( = & > 2 Lac ) All Debt & Equity – Before 3 p.m.– Transaction Day ( Less than 2 Lac ) – After 3 p.m. – Next Business Day Redemption between 2 to 5 Business Days Tax Incentives :- Source of IncomeEquityOther Than Equity Dividend ReceivedNIL Dividend Distribution Tax NIL25% Short Term Capital Gain15 %Tax Slab Long Term Capital Gain NIL20%
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Various Investment options TYPE OF ASSETBASESCHEMES EQUITY TENUREOPEN ENDEDCLOSED ENDED STYLEGROWTHVALUEBLEND MARKET CAPLARGEMIDSMALLMULTI FOCUSSECTORTHEMATICINDEXELSS DEBT TENURELIQUIDSHORTMEDIUMLONG HYBRID EQUITY ORIENTEDEquity > 65 %BALANCED FUND DEBT ORIENTEDDebt > 65 %MIP
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History of Mutual Fund :- First Phase - 1964-1987 : In 1963 -Unit Trust of India was the first mutual fund set up in India. The first scheme launched by UTI was Unit Scheme 1964 Second Phase - 1987-1993 (Entry of Public Sector Funds – SBI is the first nationalized bank Third Phase - 1993-2003 (Entry of Private Sector Funds) SEBI (Mutual Fund) Regulations 1996
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Organization of a Mutual Fund :-
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Classification of Mutual fund Structure Open Ended Fund Closed Ended Fund Investment Objective EquityDiversified Pre- Determined Market CapELSSSectorIndexDebtBalanced
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Offer Document :- AMC has to file with SEBI during NFO Information about Mutual Fund, Schemes & term of Offer Details of Scheme to be offer Fees & Other Expenses Standard & Scheme Specific risk factors Unit holder rights KIM – Key Information Memorandum:- Short version of Offer Document with Application Form NAV – Net Asset Value:- NAV = Net Assets of the Scheme / Number of Units Total Expenses :- AssetsEquityDebt First 100 Crore2.50%2.25% Next 300 Crore2.25%2.00% Next 300 Crore2.00%1.75% Remaining1.75%1.50%
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Transactions with Mutual fund :- Fresh Purchase Additional Purchase - Thru Transaction Slip Switch, Redemption - Thru Transaction Slip Investment Plans & Services :- Growth & Dividend - Payout & Dividend Re-Investment Option SIP – Systematic Investment Plan STP – Systematic Transfer Plan Capital Capital Gain Dividend SWP – Systematic Withdrawal Plan Triggers Switch Pledge & Nomination
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(As on 31-01-2015) BSE Index - 29,183 Value Information% Return (CAGR) - Lumsum % Return (CAGR) - SIPStar Funds (Growth Option) Inception Date Latest NAV 1 Year 3 Year 5 Year 7 Year 10 Year 1 Year 3 Year 5 Year 7 Year 10 Year VRMS PATEL Financial Solutions' Best - Ultra Short Term Debt Funds :- Reliance Money Manager Fund 2007 1,885 9 44 PATEL Financial Solutions' Best - Long Term Debt Funds :- ICICI Prudential Long Term Fund - (LT) 2009 17 211311 55 PATEL Financial Solutions' Best - Hybrid - Debt Oriented Funds :- Reliance Monthly Income Plan 2004 332814111312 291713 1245 PATEL Financial Solutions' Best - Hybrid - Equity Oriented Funds :- HDFC Balanced Fund 2000 1096026191619 513423221954 ICICI Prudential Balanced Advantage Fund 2006 2536231611 30241917 44 PATEL Financial Solutions' Best - Children Plans - Hybrid - Equity Oriented Fund :- HDFC Children's Gift Fund - Investment Plan 2001 845026211718 443223 1954 PATEL Financial Solutions' Best - Equity Linked Tax Saving [ ELSS ] :- Reliance Tax Saver ( ELSS ) Fund 2005 49110372317 88493227 55 PATEL Financial Solutions' Best - Pure Large Cap Equity Funds :- HDFC Top 200 Fund 1996 3606324161322 483120 1945 PATEL Financial Solutions' Best - Multi Cap Equity Funds :- ICICI Prudential Dynamic Plan 2002 1944925171323 403121201945 PATEL Financial Solutions' Best - Mid & Small Cap Equity Funds :- HDFC Mid-Cap Opportunities Fund 2007 3790362518 746346312954 (As on 31-01-2015) BSE Index - 29,183 441913716
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