 Our Focus:-
Fulfill Investor’s Financial Goals & Value Added Services
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Our Strategies for Saving & Investment for investors
Financial Needs based – Not Seller but Financial Solutions Provider
Long term – Financial Needs – Education, Marriage, Asset , Retirement
Asset Allocation – Proper Asset Allocation among Equity, Debt & Cash
Diversified - Optimum
Systematic – Not “ Timing-the-Market” but “ Time-in-the Market”
Investment Objectives :What Investors wishes and not wishes
1.
2.
3.
4.
Return
Risk
Period
Return Frequency

What is Mutual fund:- A product for all & all time.
A Mutual fund is a pool of money, which is collected from many
investors and is invested in various types of securities by asset
management company in line with investment objectives of investors.
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 Investor will earn Dividend and Earn Capital Gain or Incur Capital Loss.
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Mutual Fund is Indirect and Collective Investment.
 preferable for those who do not have adequate TIME and proper
KNOWLEDGE & wish to fulfilled all FINANCIAL NEEDS.
 Benefits of Mutual Fund:- WHY ?
 Professional Management
 Diversification [All types of Assets, Sectors & Industry]
 Convenient Administration [KYC+ Application + Cheque]
 Return Potential [ Very good compare to all assets]
 Low Costs [ Max 2.5 % ]
 Liquidity [ From one day to Max 5 Days ]
 Transparency
 Flexibility [ SIP , STP , SWP , Trigger , Switch ]
 Choice of schemes
 Tax benefits [ Dividend Tax Free & LTCG ]
 Well regulated by SEBI
 FREE Life Insurance
 FREE Personal Accident Insurance
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NAV = Net Assets of the Scheme / Number of Units
CUT OFF TIME for Nav :- Purchase Transaction
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Liquid Fund – Before 2 p.m. & Get Money – Previous Day
– After 2 p.m. – Transaction Day
All Debt & Equity – Before 3 p.m. & Get Money – Transaction Day
( = & > 2 Lac )
All Debt & Equity – Before 3 p.m.– Transaction Day
( Less than 2 Lac ) – After 3 p.m. – Next Business Day
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Redemption between 2 to 5 Business Days
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Tax Incentives :-
Source of Income
Equity
Other Than Equity
Dividend Received
NIL
NIL
Dividend Distribution Tax
NIL
25%
Short Term Capital Gain
15 %
Tax Slab
Long Term Capital Gain
NIL
20%
Various Investment options
TYPE OF ASSET
BASE
TENURE
STYLE
SCHEMES
OPEN ENDED
CLOSED ENDED
GROWTH
VALUE
LARGE
MID
SMALL
MULTI
FOCUS
SECTOR
THEMATIC
INDEX
ELSS
DEBT
TENURE
LIQUID
SHORT
MEDIUM
LONG
HYBRID
EQUITY ORIENTED
EQUITY
MARKET CAP
DEBT ORIENTED
BLEND
Equity > 65 %
BALANCED FUND
Debt > 65 %
MIP
History of Mutual Fund: First Phase - 1964-1987 :
In 1963 -Unit Trust of India was the first
mutual fund set up in India.
The first scheme launched by UTI was Unit
Scheme 1964
 Second Phase - 1987-1993 (Entry of Public
Sector Funds – SBI is the first nationalized bank
 Third Phase - 1993-2003 (Entry of Private Sector
Funds)
 SEBI (Mutual Fund) Regulations 1996
Organization of a Mutual Fund:-
Classification
of Mutual
fund
Investment
Objective
Structure
Open Ended
Fund
PreDetermined
Closed
Ended Fund
Equity
Diversified
Sector
Market Cap
ELSS
Debt
Index
Balanced
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Offer Document:- AMC has to file with SEBI during NFO
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KIM – Key Information Memorandum:
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Short version of Offer Document with Application Form
NAV – Net Asset Value:
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Information about Mutual Fund, Schemes & term of Offer
Details of Scheme to be offer
Fees & Other Expenses
Standard & Scheme Specific risk factors
Unit holder rights
NAV = Net Assets of the Scheme / Number of Units
Total Expenses :-
Assets
First 100 Crore
Next 300 Crore
Next 300 Crore
Remaining
Equity
2.50%
2.25%
2.00%
1.75%
Debt
2.25%
2.00%
1.75%
1.50%
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Transactions with Mutual fund:
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Fresh Purchase
Additional Purchase - Thru Transaction Slip
Switch , Redemption - Thru Transaction Slip
Investment Plans & Services:
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Growth & Dividend - Payout & Dividend Re-Investment Option
SIP – Systematic Investment Plan
STP – Systematic Transfer Plan
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Capital
Capital Gain
Dividend
SWP – Systematic Withdrawal Plan
Triggers
Switch
Pledge & Nomination
Value
Information
% Return (CAGR) - Lumsum
Inception Latest
1
3
5
7
10
Funds (Growth Option)
Date
NAV Year Year Year Year Year
PATEL Financial Solutions' Best - Ultra Short Term Debt Funds :1,885
9
Reliance Money Manager Fund
2007
(As on 31-01-2015) BSE Index - 29,183
% Return (CAGR) - SIP
Star
1
3
5
7
10
VR MS
Year Year Year Year Year
4
4
5
5
PATEL Financial Solutions' Best - Long Term Debt Funds :-
ICICI Prudential Long Term Fund - (LT)
17
21
13
11
33
28
14
11
13
12
29
17
13
13
12
4
5
PATEL Financial Solutions' Best - Hybrid - Equity Oriented Funds :109
HDFC Balanced Fund
2000
60
26
19
16
19
51
34
23
22
19
5
4
ICICI Prudential Balanced Advantage Fund
36
23
16
11
30
24
19
17
4
4
PATEL Financial Solutions' Best - Children Plans - Hybrid - Equity Oriented Fund :84
50
26
HDFC Children's Gift Fund - Investment Plan
2001
21
17
44
32
23
23
5
4
88
49
32
27
5
5
2009
PATEL Financial Solutions' Best - Hybrid - Debt Oriented Funds :Reliance Monthly Income Plan
2004
2006
25
18
19
PATEL Financial Solutions' Best - Equity Linked Tax Saving [ ELSS ] :-
Reliance Tax Saver ( ELSS ) Fund
49
110
37
23
17
PATEL Financial Solutions' Best - Pure Large Cap Equity Funds :HDFC Top 200 Fund
1996
360
63
24
16
13
22
48
31
20
20
19
4
5
PATEL Financial Solutions' Best - Multi Cap Equity Funds :ICICI Prudential Dynamic Plan
2002
194
49
25
17
13
23
40
31
21
20
19
4
5
PATEL Financial Solutions' Best - Mid & Small Cap Equity Funds :37
HDFC Mid-Cap Opportunities Fund
2007
90
36
25
18
74
63
46
31
29
5
4
44
19
13
7
2005
(As on 31-01-2015) BSE Index - 29,183
16