Save for a Better Future

Save for a Better Future

In our Class

• Saving

• Why to Save

• What is Inflation

• Investment

• Company Introduction

• Fixed Income Instruments

“Getting Rich is not a function of investing a lot of money ; it is a result of investing

regularly for long periods of time.”

What is Saving

• Saving is income not spent, or deferred consumption.

• Saving also includes reducing expenditures, such as recurring costs.

Why to Save

• Save for Emergency Funds

• Save for Retirement

• Save for a Down Payment for a House

• Save for Vacations and Other Luxury Items

• Save for a New Car

• Save for Sinking Funds

• Save for Education

Inflation

• Inflation is the rise in the general level of prices of goods and services in economy over a period of time.

• When the general price level rises, each unit of currency buys fewer goods and services.

• Consequently, inflation also reflects an erosion in the purchasing power of money – a loss of real value in the internal medium of exchange and unit of account in the economy.

Can I afford a Pizza

P izza Cost Today A fter 1 year A fter 10 Years

A fter 20 years

Under M attress

Rs 200 Rs 200 Rs 200 Rs 200

Invested at 4%

Rs 200 Rs 208 Rs 296 Rs 438

Invested at8%

Rs 200 Rs 216 Rs 431 Rs 932

In vested at 10%

Rs 200 Rs 220 Rs 519 Rs 1346

In flatio n Rate 8.87%

Rs 200 Rs 217 Rs 468 Rs 1094

8.87% is the Average inflation in India @ year 2011, if money is not saved above Inflation rate than it is generating negative returns.

Investment

Savings

Only

Bank DepositsWealth Destruction

Wealth Creation

Wealth Creation vs. Destruction

Investment

• Investment is putting money into something with the expectation of gain, that upon thorough analysis, has a high degree of security for the principal amount, as well as security of return, within an expected period of time.

Start as soon as possible……

Annual Interest Rates

Age Investment S tarted

20 30 40 50

3% 185,440 129,924 72,919 37,198

6% 425,487 222,870 109,729 46,552

10% 1,437,810 542,049 196,694 63,545

…..And become a Millionaire!!!!!

Assuming: Rs 2000 Annual contribution accumulated to age 65;Used future value of Annuity Formula to compute

Time is on your side

• The Miracle of Compound Interest :

Interest Earning Interest

Example Rs 100 * 5% = 105

With compound interest , In time 2

Rs 105 * 5% =110.25

Double your Money

• Rule of 72

Formula Example

• 72/Rate = Time 72/10%= 7.2 years

• 72/Years = Yield 72/10 =7.2%

The company is jointly promoted by noted stock market professionals Mr. Asit C. Mehta and Mrs. Deena

A. Mehta, and is a part of the Mumbai-based Nucleus Group of Companies. The founders have over 25

years of experience in the fields of finance, investments and technology.

The other group companies are engaged in IT and IT-related services such as database development,

back-office applications for banks, insurance and finance companies, content acquisition and corporate

document management solutions.

About Us

Vision:

To be a Trusted Financial Intermediary

Corporate Purpose:

To reach appropriate financial products, services and solutions to every Indian entity.

Investment Services by ACMIIL

• Fixed Income Instruments

• Mutual Fund

• Initial Public Offering (IPO)

• Direct Participation in Secondary Markets

• Live eXchange

• Commodity Derivatives Services

• Commodity Spot Services

• Currency Derivatives Services

• HNI Advisory service

• Investment Banking Service

• Institutional Service

Reach & Access

• Presence in all major cities including Tier-II and Tier-III locations in 26 states

• Over 50 branches across India

• Over 349 Investment Centers

• Over 315,000 Client accounts with almost 140,000 unique Clients

• Over 950 Employees

Membership & Licenses

• NSE: Capital, Derivatives, Debt & Currency Derivatives.

• BSE: Cash & Derivatives.

• FEDAI: Foreign Exchange.

• SEBI: PMS & Merchant Banking Category I.

• Commodities: NCDEX,NSEL,MCX,DGCX

• CDSL: Depository Participant

Our Achievements

• One of the first limited liability Companies to acquire membership on Bombay Stock Exchange (BSE).

• One of the first multiple seat holders and multiple exchange members.

• One of the first private VSAT network users.

• The first to utilize a franchisee business model for Associates.

• The first to achieve the ISO quality certification for business processes from SGS. Currently we are an "ISO 9001:2008" certified company.

• The first to receive a CRISIL grading for quality of operations and services.

• Company Managing Director Mrs. Deena A. Mehta was the first lady to be elected to the governing board of the BSE and first and only lady to be the President of BSE.

• Mrs. Deena A. Mehta is also currently the First lady as the Trading Member in the BSE Governing Board (post corporatization).

Fixed Income Instruments

Fixed income instruments guarantee both the capital and returns.Under these schemes, investors need

to deposit a lump sum amount for a fixed period at a predetermined rate. There are various types of

Fixed income instruments like: Bank FDs, Post office deposits, Corporate FDs, etc. However, they differ

in terms of interest rates, minimum investment, tenure and tax treatment of the interest income.

Best suited for:

• Every Investor seeking to have a risk-free certain minimum corpus accumulation over a definite time.

• Charitable Trusts and such other non-profit organizations which are required to invest in certain notified instruments only as per Indian Trust Act.

• Investors who need to ensure near term liquidity needs (2-5 year horizon) such as higher education fees, medical expenses and social obligations such as marriages, etc.

Fixed Income Instruments…(Continued)

Product features:

• Company fixed deposits offer lower safety and higher returns.

• Debentures are also issued from time to time by well known companies. These debentures are often secured against the assets of the company.

• Capital gains can be invested in some notified instruments to save taxes.

• Can be bought for 1-10 year period with fixed returns ranging from 6% to 10% in various instruments like fixed deposits, non-convertible debentures, etc.

• In case of fixed deposits, any premature encashment will result in lower interest than originally contracted for.

Competitive advantage with ACMIIL:

• We have a panel that vets and decides on the company instruments that will be marketed by our staff.

• This panel consists of experienced debt market professionals.

• The companies elected are judged for quality and the salient features of the instrument which is used to raise money.

Advantage of Corporate Deposit

• High interest.

• Short-term deposits

• Lock-in period is only 6 months.

• No Income Tax is deducted at source if the interest income is up to Rs 5,000 in one financial year

• Investment can be spread in more than one company, so that interest from one company does not exceed Rs. 5,000

Current Deposit Schemes Available

• HDFC – Platinum Deposit Plan

Platinum Deposit Plan (Period)

Monthly Income Plan

Quarterly Option

Half Yearly Option

Annual Income

Plan

Cumulative Option*

15 months 9.65% 9.70% 9.80% - 10.00%

33 months 9.65% 9.70% 9.80% 10.00% 10.00%

Minimum Amount (Rs.)

40,000 20,000 20,000 20,000 20,000

Interest rates on Deposits below Rs. 1 Crore

Sriram Unnati Fixed DepositNon Cumulative Scheme   Cumulative Scheme

PeriodMinimum

Deposit (Rs.)

Annual Income (%

p.a.)

Half- Yearly (% p.a.)

Quarterly (% p.a.)

Quarterly (% p.a.)Maturity

Value (Rs.)

12M 25000 9.25 9.05 8.95 9.25 27313

24M 25000 9.75 9.52 9.41 10.23 30115

36M 25000 10.75 10.47 10.34 11.94 33955

48M 25000 10.75 10.47 10.34 12.60 37600

60M 25000 10.75 10.47 10.34 13.32 41650

Call us Toll-Free: 1800 22 9002

Or at Landline: (022) 2858 4444

Website: www.investmentz.com

Follow us on www.twitter.com/ACM_Investmentz

Registered Office: Nucleus House, Saki Vihar Road, Andheri (E), Mumbai 400 072, INDIA.

Tel.: (022) 2858 3333 Fax: (022) 2857 7647 Email: customerservice@acm.co.in

SEBI / Regulatory Registration Nos: BSE:INB/INF 010607233 ·NSE:INB/INF/INE 230607239 ·PMS: INP000001920 Merchant Banking: INM000010973 ·DP Reg: IN-DP-CDSL-28-99 · DP ID .CDSL 12013200