Systematic Investment Plan - New - Copy

Systematic Investment Plan
(It’s Never Too Late To Invest)

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Why SIP?
•

Despite there being patches when the investments go under
water, the case for Systematic Investing is still compelling and
remains the best way to participate in the Equity markets.

Features of SIP:
1.
2.
3.
4.
5.
6.

Light on the wallet.
A specific amount is invested for a continuous period at regular
intervals under this plan.
SIP is similar to a regular saving scheme like a recurring deposit.
It is a method of investing a fixed sum regularly in a mutual fund
SIP allows the investor to buy units on a given date every month.
The investor decides the amount and also the mutual fund scheme
While the investor's investment remains the same, more number
of units can be bought in a declining market and less number of
units in a rising market
The investor automatically participates in the market swings once
the option for SIP is made

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Benefits of SIP
• Saving a small sum of money regularly at an early age
makes money work with greater power of compounding
with significant impact on wealth accumulation.
• SIP helps in averaging cost of acquiring units
• It is very convenient. SIP can be operated by simply
providing post dated cheques with the completed
enrolment form or give ECS instructions. The cheques
can be banked on the specified dates and the units
credited into the investor's account.
• It helps in creating wealth over a longer time period.
• It makes investor disciplined in their savings.
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Example: Reliance Growth Fund
•
•
•
•
•
•
•

Inception: 8-Oct-1995
Amt of SIP: Rs.1000 Per Month
Total Months : 232 (Till 24-Mar-2015)
Total Investment Value: Rs.232000
Value of Investment: Rs.47,35,240.00
Annualised Returns: 26.60 %
Annualised Returns of Index: 14.15 %
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Portfolio
Scheme

Category

Amt Rs.

DSP BlackRock Top 100 Equity

Equity – Large Cap

1000

HDFC Mid-Cap Opp Fund

Equity – Mid & Small Cap 1000

ICICI Pru Discovery Fund

Equity – Mid & Small Cap 1000

Reliance Equity Opp Fund

Equity – Multi Cap

2000

Selecting well-performing funds with high ratings is the first step
towards successful investing

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Performance
SIP Returns
Scheme

NAV
Rs

1 Yr

3 Yrs

5 Yrs

DSP BlackRock Top 100 Equity

160.83

18.38

22.10

15.72

HDFC Mid-Cap Opp Fund

36.531

38.59

41.15

28.71

ICICI Pru Discovery Fund

114.69

41.42

33.42

Reliance Equity Opp Fund

74.673

32.13

33.70

10 Yrs
15.40

15 Yrs

Since
Inception

-

18.74

-

-

25.29

24.23

23.35

-

23.61

23.21

20.82

-

20.82

* NAV as on 24-MAR-15

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Performance
SIP Returns & Valuations
1 Yr
Scheme

Inv Rs.

3 Yrs

5 Yrs

Value
Rs.

Inv
Rs.

Value
Rs.

Inv
Rs.

10 Yrs

15 Yrs

Value
Rs.

Inv Rs.

Value
Rs.

120000

268254

DSP BlackRock Top 100

12000

13128

36000

49550

60000

88709

HDFC Mid-Cap Opp

12000

14307

36000

63640

60000

121210

ICICI Pru Discovery

12000

14468

36000

65064

60000

123267

120000

Reliance Equity Opp

12000

13936

36000

57638

60000

108980

120000

Inv Rs.

Value Rs.

Since Inception
Inv Rs.

Value Rs.

144000

481408

93000

253189

411555

127000

479798

359086

120000

359086

* NAV as on 29-Sep-14

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Asset Allocation

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Capitalisation
Portfolio Style Break Up
Rank

Percentage (%)

Giant

28.97

Large Cap

18.27

Mid Cap

42.64

Small Cap

10.12

Not Classified

0.00

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Equity Style Box

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Sector Allocation
Portfolio Sector Allocation
Sector

Net Asset(%)

Asset Value

`

Financial

23/69

1124

Engineering

13.19

626

Services

11.21

532

Automobiles

10.08

478

Technology

9.66

473

Healthcare

7.59

360

Construction

4.82

229

Chemicals

4.44

211

Energy

4.22

200

FMCG

3.17

151

Diversified

2.83

134

Cons Durables

1.98

94

Metals

1.90

90

Communication

0.80

38

Textiles

0.11

5

Others

0.01

0.49

Total

100

5000

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Stock Allocation
Top 15 Equity Portfolio Holdings
Company

Net Asset(%)

Value

`

HDFC Bank

4.12

196

State Bank of India

3.82

181

Infosys

3.03

144

Divi’s Lab

2.80

133

L&T

2.57

122

Maruti Suzuki

2.50

118

Bharat Forge

2.37

113

ICICI Bank

2.36

112

HCL Tech

2.29

109

Bharat Electronics

1.76

84

Cummins India

1.69

80

Max India

1.58

75

Trent

1.41

67

Alstom T&D

1.33

64

63.64

3022

100.00

5000

Others-Miscellaneous

Total Portfolio Value

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SIP of Rs.5000 p.m.
Returns

SIP
Period

(Yrs)

Total
Investment

12

15

18

20

5

300000

408348

442872

481073

508791

10

600000

1150193

1376000

1656000

1880476

15

900000

2497900

3342533

4528122

5578499

20

1200000

4946000

7486000

11544000

15548259

Monthly Income
(ROI @ 8% p.a.)

32973

49907

76960

103655

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• SIP is a Good way to Invest to achieve
Financial goal such as Marriage or
Education of Children's, Wealthy
Retirement and many more.

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To Invest In Mutual Funds
Contact :
Amit M. Surpuriya
KSHITIJ FINANCIAL SERVICES
Mobile: 98508 73688
Email: [email protected]
Website: http://www.kshitijfinancial.com/