Welcome to Samvardhan. "Samvardhan" is a Sanskrit word. It means "multiplying your wealth in the most efficient and righteous manner".
People are earning a lot of money; but most of them are in a dilemma how to invest it in the most efficient manner and a few others are blissfully un-aware of the merits of starting a savings program at an early satge in life and are splurging their hard earned money on Malling, Pubbing and Clubbing ...
So let us start from scratch and learn how to become wise investors.
The first step is to analyse your spending pattern and see which expenes are really justified and which are not. You may download a Budget_Planner.xls This should help you in keeping track of your expenses and later analyse them to weed out the un-necessary ones. Save as much as you can while you can. You really have only two choices: SAVE or ... SINK !!!
The next step is to do a Need Analysis. Download the Need Analysis Form fill it up and email it ot me. I will put myself in your shoes and see what I would do if I were you and email my advise. It will contain a lot of links to my website and excel sheets comparing products. Go through it and then call me if you have any doubts. Forward it to all your friends and well-wishers and find out if they could come up with better options and then adopt the best strategy.
You also have to guage your Risk Appetite. Download the Risk_Profiler.pdf and find out for yourself.
The next step is Asset allocation. You can invest in:
1. Real Estate: To initiate the first steps towards owning your dream house, visit http://fitnessfundas.googlepages.com/watermarkeestates-questionaire .
To discover the most efficient way to seek a Home Loan and get it covered, please visit http://fitnessfundas.googlepages.com/homeloanspecial .
Visit http://fitnessfundas.googlepages.com/real_estate to see some good deals in Real Estate.
2. Shares: Please visit http://fitnessfundas.googlepages.com/investinginshares. If you need help, please let me know. My services would be limited to helping you in getting started. After that, you are on your own. Remember, investing in Shares could be very dangerous; but if you have the knowledge, time and the money, only then you should go for it. Otherwise you have some other options.
3. Mutual Funds: Infrastructure is the next big Growth Story. Please visit http://fitnessfundas.googlepages.com/reliance_infrastructure_fund to view a Brochure and download the application forms. Make sure you read the KIM properly before investing.
Focused investing has its own advantages. Instead of spreading your portfolio too much, it is better to FOCUS on a few good Scrips and reap windfall profits. To know more, please visit http://fitnessfundas.googlepages.com/focusedequityandworldgoldfund .
Target Returns Fund: Please visit http://fitnessfundas.googlepages.com/targetreturnfunds
To invest additional amounts in Mutual Funds, visit http://fitnessfundas.googlepages.com/mutualfunds . To make a profit, you need to invest in the right product at the right time and also exit at the right time. You may have to pay Exit Load (usually 1% if you exit before 1 year), 15% Short Term Capital Gains Tax and Entry Load when you re-invest in another fund. But it may be worth it if your timing is correct and you prevent a massive loss when the downslide begins.
Please mention my Broker Code as ARN - 59655 as I am directly empanelled with most AMCs.
4. Gold is proving to be an important asset class. To discover the potential, please visit http://fitnessfundas.googlepages.com/focusedequityandworldgoldfund
5. Here is a unique opportunity to invest in Mutual Funds AND get a life cover of up to Rs 10 lakhs without having to undergo medical examination and having to pay the extra premium required for the life cover. But of course, certain conditions apply !!! To know more, please visit http://fitnessfundas.googlepages.com/reliance_sip_insure . I suggest that you and all your family members between age 20 to 46 invest Rs 5,000 per month for 15 years.
6. Go in for a Unit Linked Insurance Policy (ULIP) to cover your risks. I can email an illustration giving the benefits of one product, compare it with another product and also a combination of Term Plan (to cover the risk) and balance amount invested in Mutual Funds. You could also take a Critical Illness Rider for Rs 5 lakhs or 10 lakhs. Besides, you can benefit from frequent Switching as explained during my presentation by investing in a ULIP. If you wish to understand how to compare ULIPs and MFs and select the best product, fill up the Need Analysis Form and email it to me. Please remember that I offer this service to only those who have attended my lectures and have understood the whole concept.
7. Go in for an Individual Personal Accident Insurance for Rs 5 lakhs. The annual premium works out to Rs 843. In case the insured person meets with an accident and dies or gets totally permanently disabled, the family will get Rs 5 lakhs straight away. You will get some compensation for partial permanent disability and dismemberment as well. You will also get weekly benefit of Rs 5000 per week for up to 104 weeks, in case you are hospitalized and unable to attend duty due to accident. Take one policy for yourself and your family. Please visit http://fitnessfundas.googlepages.com/individualpersonalaccident to view a short ppt and download the Application Form. Please courier the form directly to the Company.
8. The last step is constant monitoring and review.
The USP's offered by me are:
1. I make presentations to educate people and help them in investing wisely.
2. I help them in selecting the best plans available in the market without bothering about my commissions. I am more concerned about the benefits that accrue to the investor.
3. I encourage participants to compare benefit shown in my excel spreadsheets with benefits offered by other products and then choose the best one.
Please visit http://fitnessfundas.googlepages.com/home to get the complete picture and forward this link to all your friends. It would be my pleasure to visit their Companies and / or Residential Complex to make presentations. Minimum expected audience is 50 and time required is 2 hours. An LCD projector will be required. A mike may be required for larger audiences.
If you can help in organizing a presentation in your office, you may visit
http://fitnessfundas.googlepages.com/publictymaterialforcorporate to download the publicty material.
If you can help in organizing a presentation in your residential area, you may visit
http://fitnessfundas.googlepages.com/publictymaterialforresidentialareas to download the publicity material.
If you wish to receive regular updates, please subscribe to my Yahoo Group by visiting http://groups.yahoo.com/group/samvardhan . But again, membership to this group is restricted to only those who have attended my presentations. While susbcribing do mention when and where you attended my presentation along with your mobile number to enable me to verify.
Happy investing !!!
Anand Mohan Agarwal
Mobile: +91 924 650 9367
Email: FitnessFundas@yahoo.com