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GIIS_Financial_Newsletter_November_2022 (1)_compressed.pdf

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Deepak Jha

SIP is like a 'GULLAK' for all your future Financial Goals and requirements. It is very important for you to list down all your financial targets properly at one place after taking inflation into consideration.

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Number of Retail Investors are growing India is shining.. India Shining (Hindi: 爐爐鉦ぐ爐 爐爐爐 ) was a marketing slogan referring to the overall feeling of economic optimism in India in 2004 and it was popularized by the ruling Bharatiya Janata Party (BJP) for the 2004 Indian general elections. The slogan which was developed as a part of an Indian government campaign intended to promote India internationally, has now become true in 2022. Read our 'Investment Gyan Section' to know more.. According to two depositories, NSDL and CDSL, the total number of demat accounts is 9.28 crore as on April 30, 2022. This number is almost three times the number recorded as of March 2020. According to CDSL, the total number of demat accounts was 2.12 crore in March 2020, which has grown to 6.50 crore in April 30, 2022. We have shared some more data inside to prove that Indian Stock Market is no more FIIs Dependent space. www.giisfinancial.com Page - 1 MF-UNCLE FIN TALK A monthly Newsletter to manage your personal finance Month Ending - November 2022 What's Inside India is Shining Investment Gyan Market Indicators Inspiring Investment Story
www.giisfinancial.com Page - 2 This was quoted openly in the parliament by Hon'ble Finance Minister Smt Nirmala Sitaraman, that " Retail Investors Ruling The Indian Stock Market " And she was absolutely right - if you look back the performance graph of NIFTY or SENSEX, there are several instances when the FIIs(Foreign Institutional Investors) selling has been neutralised by the buying of Domestic Institutional Buyers like Mutual Funds, which are powered by retail investors. Despite As per market data from Nov 2021 to Nov 2022, FIIs were a Net seller of around Rs 3.5 Trillion ( Rupees Three Lakhs Fifty Thousand crores), on the other hand DIIS were a Net buyer of around Rs 3.13 Trillion ( Rupees Three lakhs thirteen thousand crores ) In some of our previous Newsletters we have already given multiple reasons which has put India in this sweet spot. All thanks to Indian market regulators, SEBI, RBI etc and all thanks to the government policy which has transformed India to a fast growing Digital transaction economy. Indian UPI payment system is not only a success story here but more than 32 countries across Globe has adopted it as their preferable payment mechanism. In this Issue of our Newsletter, we have share some interesting facts about SIP( Systematic Investment Plan), which has become a most powerful product line for Indian retail investors. As per AMFI data, monthly SIP contribution by Indian investors have crossed Rs 13,000/- crores. In other words, Rs 1.56 Trillion of retail money will hit the Stock market through Mutual Funds, even if there is no fresh sales !!! Must read our 'investment Gyan section' to know more about this powerful investment tool and its advantages. Happy Investing. Every Element of 'Returns' comes with after a 'Risk'. Learn to handle your 'Risk' if you need better 'Returns' Editorial Mr. Deepak Jha Managing Director GIIS Financial
www.giisfinancial.com Page - 3 Chapter - 1: Investment Gyan Why SIP ( Systematic Investment Plan) has become a wonder product for every retail investor ? A TOI Story in Nov 29th Business Page, by Aseem Gujar of Timesgroup, quoted a statement of Mercedes- Benz India Sales & Marketing head sales & marketing Santosh Iyer as saying that SIPs were eating into Luxury Car Sales in India. This statement has become a talking point in the mutual Fund Industry and retail community. This statement was almost a validation of the industry's efforts to promote an investing culture in India. 29th Nov 2022 Times of India, Business Page We as a Financial Product Distributor are so excited to see such statement coming from Merc, as we always been promoting SIP for all our investors. Hence, we thought to pick this article as a reference point for our sales pitch in Favour of SIP (Systematic Investment Plan). Investing regularly through SIP helps you in getting the cost averaging advantage from an Equity Scheme and enable individuals to save not just for future needs like education, marriage and retirements but also for aspirational purchases like Luxury Cars etc. A Mercedes- Benz C300d will surely give you an adrenaline rush when its 265- horsepower engine pushes you back into the seat. But won't it be even more satisfying if you didn't have the huge burden of a loan to pay off for the depreciating asset. The table on left side shows the expected fund value which can be achieved by your regular and planned investments in a good Equity Fund through SIP Most of the investor think that SIP is a scheme! It should be properly understood here that SIP is not a scheme - it is a recurring way of investments in a Mutual Fund Scheme. A SIP works best in case of an Equity MF Scheme because you get the advantage of cost averaging due to price volatility in Equity schemes. So, the Key Questions are: Which Equity scheme is best for your SIP plan? How much SIP is best for you ? What should be my SIP tenure ?
www.giisfinancial.com Page - 4 SIP is like a 'GULLAK' for all your future Financial Goals and requirements. It is very important for you to list down all your financial targets properly at one place after taking inflation into consideration. Once you reach to your Future value targets then you should calculate the monthly SIP requirement to reach to these Goals. Here you need to talk to us for making proper selection of schemes which is most suitable to your Risk profile. Let us see the average SIP returns from some of India's great Equity schemes which have existence of more than 20 Years : This is the average SIP returns of Rs 10000/- invested across 5 different Multicap Equity MFs
www.giisfinancial.com Page - 5 In the last 1 Year NIFTY grew by around 10%. This means if you had invested in any NIFTY based passive or Index fund, you would have got close to 10% returns. (Nifty was 16.912 as on 6th Dec 2021 and it was 18,696 as on 2nd Dec 2022) However, the active Mutual Fund Equity schemes have performed much better in comparison to the Index. Please see the table given below which shows the tremendous performance by some of the leading Diversified Equity Funds in this year In the above table, you can see how much returns had been generated by some selected Diversified/ Multicap Funds around 10 Years back Vs this year returns. Hence, we say with pride: " Mutual Fund Sahi hai"
www.giisfinancial.com Page - 6 Chapter - 2: Market Indicator
www.giisfinancial.com Page - 7
www.giisfinancial.com Page - 8 Source - Morning Star as on 30th November 2022 NOTE: This is not a single scheme Fund Performance, this is an Avg. Performance of all the funds in same Category across the MF Industry. However Performance may be different for different scheme under same category, Please check with your advisor for the TOP Performing funds in above category for last one year)
www.giisfinancial.com Page - 9 Disclaimer: The information contained in this page is for general information purposes only. While we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.
www.giisfinancial.com Page - 10 Chapter - 3: Inspiring Investment Story Last 3 &half years his investment has given him Dividend of Approx 9.80% p.a. along with capital appreciation. He has been receiving an Average Dividend Rs. 16250 per month from last 3 and half years consistently on his investment of Rs.20 Lakhs. If he would have done FD at the same time it would have delivered him Avg of 6.5% p.a., which would have given him roughly around Rs.10000 to Rs.10500 per month and without any capital appreciation. This is an interesting Story of Mr Satyajeet Sharma, aged 54 Yrs who explored the beautiful feature of Mutual Funds called as ' Dividend Plan', to meet his monthly Income requirements. Today he is very happy about his decision as compared to his decision to invest in Bank FD. We though to cover his investment story in MF Dividend Plans for our readers knowledge. As per new Sebi norms, dividend plans are called pay-out of income distribution cum capital withdrawal option from April 2021. Similarly, the other two dividend variants - dividend reinvestment and dividend transfer plans - also are renamed. Now it is termed as 'IDCW' plan in short form. When it comes to mutual funds, the dividend is nothing but a part of the profits or money made by inventors. The mutual fund is simply distributing the profits among investors. And when it distributes profits, the NAV comes down by that extent, clearly showing you have taken money out of your investments. Why did Mr Satyajeet Sharma opted for dividend plans while investing for Monthly Income? One, convenience. He was looking for regular income from his investments, it appeared a convenient way form him to get the money. And secondly, he was also expecting some appreciation in his capital over a period of time. He invested Rs 20 Lakhs in around 4 different Dividend paying Hybrid Schemes, which paid an Average Dividend of Rs. 16250 per month from last 3 and half years consistently. Story of Mr Satyajeet Sharma, Aged 54 Yrs Note : This is a real story of an investor and the scheme shown here are not to be treated as our recommendation . Investor should check their Risk suitability before choosing any plan for investments
www.giisfinancial.com Page - 11 Disclaimer : Mutual Fund investments are subject to market risks. Read all scheme related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of future performance of the schemes. The Mutual Fund is not guaranteeing or assuring any dividend under any of the schemes and the same is subject to the availability and adequacy of distributable surplus. Note : We are an AMFI registered Mutual Fund Distributors. We work closely with our customers to help them achieve their Financial dreams by way of savings motivation, correct estimations and quick investment execution. We help you select the SIP according to your risk profile and investment tenure. +91-92346-09377 customercare@giisfinancial.com www.giisfinancial.com Pratap Tower, J Road, Bistupur, Jamshedpur - 831001 We provide complete support to you in terms of fulfilling all your investment objectives or financial plans, by way of motivation - correct calculations and more !

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GIIS_Financial_Newsletter_November_2022 (1)_compressed.pdf

  • 1. Number of Retail Investors are growing India is shining.. India Shining (Hindi: 爐爐鉦ぐ爐 爐爐爐 ) was a marketing slogan referring to the overall feeling of economic optimism in India in 2004 and it was popularized by the ruling Bharatiya Janata Party (BJP) for the 2004 Indian general elections. The slogan which was developed as a part of an Indian government campaign intended to promote India internationally, has now become true in 2022. Read our 'Investment Gyan Section' to know more.. According to two depositories, NSDL and CDSL, the total number of demat accounts is 9.28 crore as on April 30, 2022. This number is almost three times the number recorded as of March 2020. According to CDSL, the total number of demat accounts was 2.12 crore in March 2020, which has grown to 6.50 crore in April 30, 2022. We have shared some more data inside to prove that Indian Stock Market is no more FIIs Dependent space. www.giisfinancial.com Page - 1 MF-UNCLE FIN TALK A monthly Newsletter to manage your personal finance Month Ending - November 2022 What's Inside India is Shining Investment Gyan Market Indicators Inspiring Investment Story
  • 2. www.giisfinancial.com Page - 2 This was quoted openly in the parliament by Hon'ble Finance Minister Smt Nirmala Sitaraman, that " Retail Investors Ruling The Indian Stock Market " And she was absolutely right - if you look back the performance graph of NIFTY or SENSEX, there are several instances when the FIIs(Foreign Institutional Investors) selling has been neutralised by the buying of Domestic Institutional Buyers like Mutual Funds, which are powered by retail investors. Despite As per market data from Nov 2021 to Nov 2022, FIIs were a Net seller of around Rs 3.5 Trillion ( Rupees Three Lakhs Fifty Thousand crores), on the other hand DIIS were a Net buyer of around Rs 3.13 Trillion ( Rupees Three lakhs thirteen thousand crores ) In some of our previous Newsletters we have already given multiple reasons which has put India in this sweet spot. All thanks to Indian market regulators, SEBI, RBI etc and all thanks to the government policy which has transformed India to a fast growing Digital transaction economy. Indian UPI payment system is not only a success story here but more than 32 countries across Globe has adopted it as their preferable payment mechanism. In this Issue of our Newsletter, we have share some interesting facts about SIP( Systematic Investment Plan), which has become a most powerful product line for Indian retail investors. As per AMFI data, monthly SIP contribution by Indian investors have crossed Rs 13,000/- crores. In other words, Rs 1.56 Trillion of retail money will hit the Stock market through Mutual Funds, even if there is no fresh sales !!! Must read our 'investment Gyan section' to know more about this powerful investment tool and its advantages. Happy Investing. Every Element of 'Returns' comes with after a 'Risk'. Learn to handle your 'Risk' if you need better 'Returns' Editorial Mr. Deepak Jha Managing Director GIIS Financial
  • 3. www.giisfinancial.com Page - 3 Chapter - 1: Investment Gyan Why SIP ( Systematic Investment Plan) has become a wonder product for every retail investor ? A TOI Story in Nov 29th Business Page, by Aseem Gujar of Timesgroup, quoted a statement of Mercedes- Benz India Sales & Marketing head sales & marketing Santosh Iyer as saying that SIPs were eating into Luxury Car Sales in India. This statement has become a talking point in the mutual Fund Industry and retail community. This statement was almost a validation of the industry's efforts to promote an investing culture in India. 29th Nov 2022 Times of India, Business Page We as a Financial Product Distributor are so excited to see such statement coming from Merc, as we always been promoting SIP for all our investors. Hence, we thought to pick this article as a reference point for our sales pitch in Favour of SIP (Systematic Investment Plan). Investing regularly through SIP helps you in getting the cost averaging advantage from an Equity Scheme and enable individuals to save not just for future needs like education, marriage and retirements but also for aspirational purchases like Luxury Cars etc. A Mercedes- Benz C300d will surely give you an adrenaline rush when its 265- horsepower engine pushes you back into the seat. But won't it be even more satisfying if you didn't have the huge burden of a loan to pay off for the depreciating asset. The table on left side shows the expected fund value which can be achieved by your regular and planned investments in a good Equity Fund through SIP Most of the investor think that SIP is a scheme! It should be properly understood here that SIP is not a scheme - it is a recurring way of investments in a Mutual Fund Scheme. A SIP works best in case of an Equity MF Scheme because you get the advantage of cost averaging due to price volatility in Equity schemes. So, the Key Questions are: Which Equity scheme is best for your SIP plan? How much SIP is best for you ? What should be my SIP tenure ?
  • 4. www.giisfinancial.com Page - 4 SIP is like a 'GULLAK' for all your future Financial Goals and requirements. It is very important for you to list down all your financial targets properly at one place after taking inflation into consideration. Once you reach to your Future value targets then you should calculate the monthly SIP requirement to reach to these Goals. Here you need to talk to us for making proper selection of schemes which is most suitable to your Risk profile. Let us see the average SIP returns from some of India's great Equity schemes which have existence of more than 20 Years : This is the average SIP returns of Rs 10000/- invested across 5 different Multicap Equity MFs
  • 5. www.giisfinancial.com Page - 5 In the last 1 Year NIFTY grew by around 10%. This means if you had invested in any NIFTY based passive or Index fund, you would have got close to 10% returns. (Nifty was 16.912 as on 6th Dec 2021 and it was 18,696 as on 2nd Dec 2022) However, the active Mutual Fund Equity schemes have performed much better in comparison to the Index. Please see the table given below which shows the tremendous performance by some of the leading Diversified Equity Funds in this year In the above table, you can see how much returns had been generated by some selected Diversified/ Multicap Funds around 10 Years back Vs this year returns. Hence, we say with pride: " Mutual Fund Sahi hai"
  • 8. www.giisfinancial.com Page - 8 Source - Morning Star as on 30th November 2022 NOTE: This is not a single scheme Fund Performance, this is an Avg. Performance of all the funds in same Category across the MF Industry. However Performance may be different for different scheme under same category, Please check with your advisor for the TOP Performing funds in above category for last one year)
  • 9. www.giisfinancial.com Page - 9 Disclaimer: The information contained in this page is for general information purposes only. While we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.
  • 10. www.giisfinancial.com Page - 10 Chapter - 3: Inspiring Investment Story Last 3 &half years his investment has given him Dividend of Approx 9.80% p.a. along with capital appreciation. He has been receiving an Average Dividend Rs. 16250 per month from last 3 and half years consistently on his investment of Rs.20 Lakhs. If he would have done FD at the same time it would have delivered him Avg of 6.5% p.a., which would have given him roughly around Rs.10000 to Rs.10500 per month and without any capital appreciation. This is an interesting Story of Mr Satyajeet Sharma, aged 54 Yrs who explored the beautiful feature of Mutual Funds called as ' Dividend Plan', to meet his monthly Income requirements. Today he is very happy about his decision as compared to his decision to invest in Bank FD. We though to cover his investment story in MF Dividend Plans for our readers knowledge. As per new Sebi norms, dividend plans are called pay-out of income distribution cum capital withdrawal option from April 2021. Similarly, the other two dividend variants - dividend reinvestment and dividend transfer plans - also are renamed. Now it is termed as 'IDCW' plan in short form. When it comes to mutual funds, the dividend is nothing but a part of the profits or money made by inventors. The mutual fund is simply distributing the profits among investors. And when it distributes profits, the NAV comes down by that extent, clearly showing you have taken money out of your investments. Why did Mr Satyajeet Sharma opted for dividend plans while investing for Monthly Income? One, convenience. He was looking for regular income from his investments, it appeared a convenient way form him to get the money. And secondly, he was also expecting some appreciation in his capital over a period of time. He invested Rs 20 Lakhs in around 4 different Dividend paying Hybrid Schemes, which paid an Average Dividend of Rs. 16250 per month from last 3 and half years consistently. Story of Mr Satyajeet Sharma, Aged 54 Yrs Note : This is a real story of an investor and the scheme shown here are not to be treated as our recommendation . Investor should check their Risk suitability before choosing any plan for investments
  • 11. www.giisfinancial.com Page - 11 Disclaimer : Mutual Fund investments are subject to market risks. Read all scheme related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of future performance of the schemes. The Mutual Fund is not guaranteeing or assuring any dividend under any of the schemes and the same is subject to the availability and adequacy of distributable surplus. Note : We are an AMFI registered Mutual Fund Distributors. We work closely with our customers to help them achieve their Financial dreams by way of savings motivation, correct estimations and quick investment execution. We help you select the SIP according to your risk profile and investment tenure. +91-92346-09377 customercare@giisfinancial.com www.giisfinancial.com Pratap Tower, J Road, Bistupur, Jamshedpur - 831001 We provide complete support to you in terms of fulfilling all your investment objectives or financial plans, by way of motivation - correct calculations and more !