An investor education initiative by

TURN UNCERTAINTIES INTO AN OPPORTUNITY BY

INVESTING SYSTEMATICALLY
What is an SIP?

A Systematic Investment Plan or better known as SIP is

based on the simple idea of investing a fixed amount at fixed
intervals, for a long time to achieve long-term benefits.
It helps you average your cost of investment over time.

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How does an SIP benefit you?

BENEFITS:

Reduces the risk Reduces your Gives better

associated with average cost returns in the
market timing of purchasing longer run

Inculcates a
Makes your Helps with
feeling of
money grow with long-term
discipline to
the power of approach of
save and invest
compounding investment
regularly

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Rupee Cost Averaging

By Investing fixed sums at regular intervals , you pick up more units when the prices are low and
less units when the prices are high.

This brings down the average cost of your units hence, there is no need to time the markets as
you invest at predetermined intervals.
Particulars Month 1 Month 2 Month 3 Month 4 Month 5 Month 6
SIP Amount 10000 10000 10000 10000 10000 10000
NAV 100 90 110 105 95 115
Units 100 111.1111 90.90909 95.2381 105.2632 86.95652

Total Investment Total Units Average NAV

60000 589.478 101.785

This is for illustration purpose only. Actual results may vary. 4

SIP Goals
How can an SIP help with your child’s future?

Parenting comes with a lot of responsibilities and expenses.

Starting an SIP keeping these expenses in mind can help one

plan their child’s future better.

Wealth accumulated
Monthly SIP approximately of
Rs. 10,000 Rs. 23.2 Lacs

YEARS

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Calculation based on 12% p.a. growth rate compounded monthly. This is for illustration purpose only. Actual results may vary. 6
How can an SIP help plan vacation?

One can invest through SIP for vacation fund, allowing one to visit desired destinations
and manage expenses worry-free.
Wealth accumulated
approximately
Rs. 8.2 Lacs
Monthly SIP
Rs. 10,000

YEARS

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Calculation based on 12% p.a. growth rate compounded monthly. This is for illustration purpose only. Actual results may vary. 7
How can an SIP help one after retirement?

One may stop working, but the expenses never stop. Here is how an SIP can help post-retirement:
Accumulate a considerable amount of money for retirement

Corpus value at 60 years

Rs. 6.5 crore
Monthly SIP
Rs. 10,000 AGE OF

60
Investment
started at the
age of 25 years

Calculation based on 12% p.a. growth rate compounded monthly. This is for illustration purpose only. Actual results may vary. 8
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Is 2019 a year of market volatility?

Yes, it is!
A few factors contributing to the market volatility in 2019:

National A Pre-Poll Trade War Crude Oil

Elections Union Budget Issues Prices

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Understanding market volatility

Similarly, if the prices of a stock

VOLATILITY If the price of a stock fluctuates fluctuate slowly in a longer time
is referred to fluctuations of rapidly in a short span, it is said span, it is said to experience
stock prices in the market to experience HIGH VOLATILITY LOW VOLATILITY

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Misconceptions about volatility

We always connote volatility as a negative piece of information.

Here are few of the common MISCONCEPTIONS related to volatility:

• Cashing in is the right thing to do

• Checking the productivity daily

• Shares lose value when they fall in price

• Stopping SIPs when the market falls

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Why is 2019 the Year of SIP?

With an SIP, an An SIP is a simple When the market The investor can
investor can turn investment strategy drops, stock prices benefit by investing in
the year of market which aims to give become comparatively more for a lower price
volatility into a year better returns in a lower, providing
of opportunities volatile market more units.

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#Year of SIP

The key is to be disciplined, focus on financial goals, and invest in

mutual funds through SIPs for a better future.

Year of volatility Year of possibilities

and opportunities
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 To know more, Visit Download
contact your www.icicipruamc.com IPRUTOUCH APP
Financial Advisor

Mutual Fund investments are subject to market risks, read all scheme related documents carefully

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Caution to the Investors

Jan 30, 2017 PR No.: 8/2017

1. Some unlisted companies are luring retail investors by issuing securities including non-convertible and convertible debentures/ non-convertible and convertible preference shares/ equity shares in the garb of private placement, without
complying with the provisions of Companies Act, 1956 read with the Companies Act, 2013, SEBI (Issue and Listing of Debt Securities), Regulations, 2008, SEBI (Issue and Listing of Non-Convertible Redeemable Preference Shares), Regulations,
2013 and SEBI (Issue of capital and Disclosure Requirements) Regulations, 2009.

2. Any offer of securities made to 50 or more persons has to be construed as a "Public Offer" under the provisions of Companies Act, 1956.

3. Under Companies Act, 2013, "Private Placement" shall be made only to such persons whose names are recorded by the company prior to the invitation to subscribe. Further, in case of private placements, the company shall not release any
public advertisements or utilise any media, marketing or distribution channels or agents to inform the public at large about such an offer. Further, such offer or invitation shall not be made to more than 200 persons in the aggregate in a
financial year.

4. As per the provisions of Companies Act, 2013 and SEBI Regulations, no issuer shall make public issue of these securities, unless it has made application to the recognized Stock Exchange(s) for listing of such securities. Further, the issuer,
among the other things, is required to file the offer document with RoC/Stock Exchange/SEBI etc. The issuer has to make disclosures about the issuer company, the promoters of the company, the risk factors etc.

Kindly, refer the latest update on caution to Investors on the below link
http://www.sebi.gov.in/media/press-releases/jan-2017/caution-to-the-investors_34109.html

http://www.sebi.gov.in/sebiweb/home/cause-list.jsp
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