Annual Subscription ` 10/-Pages :4

R. N. I. No. : MAHENG / 2000 / 1238 Postal Regd. No.:PCW/027/2018 - 2020'Licence to Post without Prepayment' to Postage Licence No. WPP - 77 / 31.12.2020Posting at PSO, Pune GPO - 411001, Date of Publication & Posting 06.09.2019

Volume - 21 Issue - 05 September 2019

Regd. Off. : Ackruti Sankul, Shop No. 118 / 119, Sadashiv Peth, Next to Bank of Maharashtra, Tilak Road Pune - 411030, Tel.: 24320168, 8087030279, Email: mf_support@vijayfinancial.comVisit Our Web Site : www.vijayfinancial.comFINANCIAL CONSULTANTS PRIVATE LIMITED

SINCE 1994

OF SERVICE EXCELLENCE

SINCE 1994

OF SERVICE EXCELLENCE

Here’s a quiz that acts as a fi nancial mirror. Now, look into it carefully and fi nd out what it tells you.

1000

1000

SIPs allow you to invest with even 1000.`

Source : UTI Swatantra

START AN SIP FROM TODAY ! from a fancy café and invest that 1000, you can become a crorepati`

September 2019 (2)

“Always add a sprinkle of “Good EMI” to your

Salary basket.

Good EMI helps to create wealth, which can be

used for various life goals

Unlike a loan EMI, Good EMI Provides flexibility

in amount, time period and helps beat inflation

Good EMI requires a much smaller investment

(10-12% of your Loan EMI) to create a large

corpus

It is advisable continue the Good EMI even

beyond your loan tenure, to benefit from the

power of compounding

Step-Up your Good EMI in line with your salary

hike/promotion to meet lifestyle changes

Source : Franklintempleton Mutual Fund

September 2019 (3)

Please read the disclaimer at the end of booklet

Everyone would like to live life peacefully. One has to decide whether to depend on someone or live without compromising your life style.

The important goal of retirement planning is to have a secure and financially independent retired life. That is why it is advised to put your best efforts now and save more for the future.

Retirement savings is one of the toughest and most vital things you should do in your working years, as you will have to save your children's education, children's marriage, home loans and all other everyday costs.

Your Future Cost of Living

Current Yearly Expenses

Assumed inflation

at 7%

Wealth Creation

Monthly Investment 5000 10000 20000 25000 30000 50000 100000

Current Age Investment Years

25 35 3,24,76,345 6,49,52,691 12,99,05,381 16,23,81,727 19,48,58,072 32,47,63,453 64,95,26,907

30 30 1,76,49,569 3,52,99,138 7,05,98,275 8,82,47,844 10,58,97,413 17,64,95,689 35,29,91,377

35 25 94,88,175 1,89,76,351 3,79,52,702 4,74,40,877 5,69,29,053 9,48,81,755 18,97,63,509

40 20 49,95,740 99,91,479 1,99,82,958 2,49,78,698 2,99,74,438 4,99,57,396 99,914,792

45 15 25,22,880 50,45,760 1,00,91,520 1,26,14,400 1,51,37,280 2,52,28,800 50,457,600

50 10 11,61,695 23,23,391 46,46,782 58,08,477 69,70,172 1,16,16,954 23,233,908

51 9 9,74,108 19,48,215 38,96,430 48,70,538 58,44,645 97,41,075 1,94,82,151

52 8 8,07,633 16,15,266 32,30,531 40,38,164 48,45,797 80,76,328 1,61,52,657

53 7 6,59,895 13,19,790 26,39,580 32,99,475 39,59,370 65,98,950 1,31,97,900

54 6 5,28,785 10,57,570 21,15,141 26,43,926 31,72,711 52,87,852 1,05,75,703

55 5 4,12,432 8,24,864 16,49,727 20,62,159 24,74,591 41,24,318 82,48,637

Assuming 12% CAGR

Your Yearly Income After Retirement

Withdrawal @ 6% p.a. Assuming Life Expectancy 80 Years

240000 300000 600000

Current Age Year to Retirement Expected Yearly Expenses at Retirement

30 30 18,26,940 22,83,676 45,67,353

35 25 13,02,583 16,28,229 32,56,459

40 20 9,28,724 11,60,905 23,21,810

45 15 6,62,167 8,27,709 16,55,418

50 10 4,72,116 5,90,145 11,80,290

51 9 4,41,230 5,51,537 11,03,075

52 8 4,12,364 5,15,455 10,30,911

53 7 3,85,387 4,81,734 9,63,468

54 6 3,60,175 4,50,219 9,00,438

55 5 3,36,612 4,20,765 8,41,531

Current Age Retirement Age

25 60 19,48,581 38,97,161 77,94,323 97,42,904 1,16,91,484 1,94,85,807 3,89,71,614

30 60 10,58,974 21,17,948 42,35,897 52,94,871 63,53,845 1,05,89,741 2,11,79,483

35 60 5,69,291 11,38,581 22,77,162 28,46,453 34,15,743 56,92,905 1,13,85,811

40 60 2,99,744 5,99,489 11,98,978 14,98,722 17,98,466 29,97,444 59,94,888

45 60 1,51,373 3,02,746 6,05,491 7,56,864 9,08,237 15,13,728 30,27,456

50 60 69,702 1,39,403 2,78,807 3,48,509 4,18,210 6,97,017 13,94,034

51 60 58,446 1,16,893 2,33,786 2,92,232 3,50,679 5,84,465 11,68,929

52 60 48,458 96,916 1,93,832 2,42,290 2,90,748 4,84,580 9,69,159

53 60 39,594 79,187 1,58,375 1,97,968 2,37,562 3,95,937 7,91,874

54 60 31,727 63,454 1,26,908 1,58,636 1,90,363 3,17,271 6,34,542

55 60 24,746 49,492 98,984 1,23,730 1,48,475 2,47,459 4,94,918

September 2019 (4)

Our BranchesOur BranchesFINANCIAL CONSULTANTS PRIVATE LIMITED

You can sit in the comfort of your house and invest yourmoney, thanks to VIJAY FINANCIAL'S HOME SERVICE.

The LARGEST RETAIL FINANCIAL PRODUCTS DISTRIBUTORS IN PUNE. We will come to your house with a world of financial products, give ourunbiased

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HOME SERVICEHOME SERVICEHOME SERVICECLIENT FIRST

SINCE 1994

OF SERVICE EXCELLENCE

FINANCIAL CONSULTANTS PRIVATE LIMITED

VERY IMPORTANTDear Investor

As per SEBI circular Investors need to submit copy of their card and register PAN

their (Know Your Client) with Mutual Funds. Kindly update your KYC PAN/KYC

(Know Your Client) details in your mutual fund schemes investments.

In case you have changed or planning in change your.... Residential / Postal

address. Mobile number or Land line Number, email ID ....then please do let us

know about the same at the earliest, so that we can update your contact details in

our record.

This would enable us to keep in touch with you with regards to your investments

with us.

Thanks & RegardsVIJAY FINANCIAL

TO UPDATE PLEASE CALL US IMMEDIATELY.

You can’t rely on someoneelse for your retirement.

CALL US ON

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AND

TO GET A RETIREMENT PLAN TODAY

“FEEL CONFIDENT ABOUT YOUR RETIREMENT

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We would be obliged not only when you read this editorial, but also whenshare your valuable feedback and suggestions. Your feedback andsuggestions will be considered a massive contribution in making

Source : UTI Swatantra

Your RetirementSTART INVESTING FOR