It is not necessary to have a

high amount of salary or a big profitable business to become rich. You can become rich
fast otherwise too. With low salary and small profits, you can also become rich just by
investing your money in the right place at the right time. There are many people who
want to invest but cannot decide where and how to invest. If you get the right direction,
you can raise big capital by starting small investments from the beginning. Here we
bring you some tips through which you can save or invest and enjoy big benefits in the
long run.

Understanding the concept of Investment

Always choose investment options according to your needs. Invest only after
understanding the investment plans based on your monthly salary, expenses, risk
profile and most importantly the amount of returns you are expecting. After all these
things, decide whether you want to invest for the short term or the long term.

How much to Save

If you are saving Rs 3200 every month, for example, and you get really good returns of
as high as 10% on this amount, then after 30 years you will get around RS 72,94,000.

Separate savings account

Instead of keeping your savings in the salary account, keep them in a separate savings
account. Invest that money at different places like Saving schemes of post offices and
banks are the easiest and safest option. Along with this, the stock market, mutual fund,
PPF, insurance, and LIC are the options which provide good returns.
Stock market
Investment in the stocks is a high risk and high return option. However, there are many
companies in the stock market which are considered safe for investment, such as
banking, power, IT, auto sector etc. After looking at the old records of banking
companies like SBI, HDFC Bank, ICICI Bank are considered less risky. NTPC in Power
Sector, Infosys in IT, Wipro, TCS, Hindalco in Metal, Tata Steel, Tisco, Maruti in Auto
Sector, Reliance Industries in Textile etc. are considered as better options.

Gold Investment
Gold, Silver and other precious metals too have proved to be good investments.
However, according to the market experts, this is a good option for the long term. It will
be better to invest only 15 to 25% of your savings as it is not getting good returns like it
used to earlier.

Mutual Funds
This is a systematic investment plan option. In this, the investor imposes the money
directly through the fund manager. In mutual funds, you can invest money every month
according to your savings. The return rate can be as high as 12 to 15% per annum.
There is also a little risk in it because it depends on the stock market. However, you
have to stay invested for at least 5 years.

RD and FD
Investment can also be done in the RD account. Recovery Deposit (RD) also gets good
returns. Apart from this, the option of a fixed deposit (FD) is also good. But, do not put
all the money in the FD because if you break the FD before completing the of the term
you may get less interest or sometimes the bank imposes penalties for that.

PPF
Are you a corporate employee or businessman? Invest around 25% of your savings in
the long term. The long-term investment like public provident fund (PPF), provident fund
(PF) and life insurance are good options. PPF and PF schemes are getting 8.75%
annual returns in the present time.
LIC
There are several schemes in LIC which are beneficial for the investors. These include
sickness, accident, loan facility, as well as a high amount of money in maturity. LIC
provides 5% to 7% returns. With it you and your family are safe. There is no pressure
on the family. Money is available on the job, children's education, and marriage.

Investment in property
Real estate is a good option, but before investing in it you should look at the current
property market situation. Try not to buy too expensive properties because sometimes
there is a possibility of more damage than a decline in the market. In addition, if you
have invested in equity and it gives good returns in 2-3 years, then it may be a wise
decision to shift those rupees to real estate.

follow Warren Buffett's simple formula - "Don't save what is left after spending,
but spend what is left after saving".
However, they should know that continuous small savings could turn into a big amount over a
period of time. All you need to do is to follow Warren Buffett's simple formula - "Don't save what
is left after spending, but spend what is left after saving".

Though, you can accumulate only a certain amount of wealth by saving a certain portion of your
salary over a period of time, investing it in saving schemes may help you multiply your wealth as
time passes even as you focus on other things, even sleep. Buffett's famously said, "If you
don't find a way to make money while you sleep, you will work until you die".

For instance, if the investor invests Rs 1 lakh in a fixed deposit for a period of 10 years with
interest rate of 8% per annum (compounded annually), an interest of Rs 8,000 will be added to
the principal amount at the end of one year from the date of investment. In the subsequent year,
an interest of 8% will be added on this principal amount as well as interest that was added to his
investment at the end of the previous year. This provision will continue in all subsequent years
until maturity of the investment. Hence, at the end of 10 years, the investor will get Rs
2,15,892.50".

So, let us dub you a Buffett fan henceforth, and the first thing you need to do, is to put
his words into action to mint some money for you! Start with a sum that you find
affordable.
If you have one lakh to spare and you don't want to take a risk, then you can invest it in
the fixed deposits. If you do it now, you can double the amount in the next 10 years!
How? By the method of compounding! Yes, you will make money even as you sleep!
However, do remember that investments in FDs are taxable.

Investments may be made in dynamic debt funds,

“There is opportunity in investing in AAA Fixed Maturity Plans (yield around 9% per annum)
given the attractive interest rates available in the market,” said Jani. FMPs are closed ended MF
schemes that invest in debt instruments.

According to Vijaykumar, even mid- and small-caps are slowly becoming attractive. “I would
advice investments in mid- and small-caps through MFs, preferably through Systematic
Investment Plans (SIPs),

3. Need money for buying home

Buying a house is a big personal milestone for most families. We often stretch beyond
our budget and the Equated Monthly Installment ends up being a big chunk of our
salaries. Who, then, has money for a SIP? Just as your home is non-negotiable, so is
your retirement. You will only have your investments to live on, once you retire.
By:
ndustry data shows that all top mutual funds recorded a CAGR between 10 and 20 % in
the last 20 years. Franklin India Prima Fund grew at 23.74 %, followed by HDFC Equity
Fund (21.77%), Aditya Birla Sun Life (20.09%), Reliance Vision Fund (20.04%), DSP
BlackRock Equity Fund (19.87%), Franklin India Bluechip Fund (19.13%), SBI Large &
Midcap Fund (Erstwhile SBI Magnum Multiplier Fund) (18.87%), Tata Large Cap Fund -
Regular Plan (18.70 %), to name a few among the top players.
Parent’s concern about the future of their children often fails to translate into concrete
action and most people fail to plan well in advance. The Systematic Investment Plan
(SIP), one of the best tools for this purpose, should start ideally from the time the child is
born or at least when she/he is one year old. It is wiser to plan at least 15-20 years
ahead, as it could help in compounding of investments and prepare parents to meet the
future cost of education in a better way.
There are a few things we should take into account once we decide to invest for the
higher education.
Inflation in education
First of all, we make a common mistake about reading the inflation rate while deciding
the SIP amount. We are led by the inflation in the economy and accordingly set a target
to reach in 20 years. Inflation of the economy can be different from that in the education
sector and the pace of growth also can be different.

According to market analysis, the cost for an IIT course now is estimated at Rs 9.20
lakh and it will go to Rs 18.10 lakh in the next 10 years, assuming that the inflation is at
7%. Similarly, the cost of a course at NIT will rise from the current level of Rs 7.48 lakh
to Rs 14.71 lakh during the same period. Fees in other leading institutions are also likely
to increase from Rs 15.60 lakh to Rs 30.69 lakh.

The case is similar in the case of medical courses too. Now the average cost of MBBS
in government medical colleges is around Rs 1.75 lakh and is likely to become Rs 3.44
lakh in a decade. The fee in private medical colleges will increase from Rs 25 lakh to a
whopping 49.18 lakh. It also means a big difference in the Equated Monthly Installment
(EMI)amount if one is taking a loan for education. So, it is important to assume a
relevant and reasonable inflation rate in the education sector over the next 10 or 20
years and then decide on the SIP amount.
Stick with your SIP
Secondly, once we decide to invest and set a long term goal of 20 years, it is important
to stay put despite the market fluctuations. People tend abandon the SIPs half way
through, because of volatile market conditions. History shows that staying invested for
20 years in SIP has given high returns, despite multiple marekt corrections during the
period.

Industry data shows that all top mutual funds recorded a CAGR between 10 and 20 %
in the last 20 years. Franklin India Prima Fund grew at 23.74 %, followed by HDFC
Equity Fund (21.77%), Aditya Birla Sun Life (20.09%), Reliance Vision Fund (20.04%),
DSP BlackRock Equity Fund (19.87%), Franklin India Bluechip Fund (19.13%), SBI
Large & Midcap Fund (Erstwhile SBI Magnum Multiplier Fund) (18.87%), Tata Large
Cap Fund - Regular Plan (18.70 %), to name a few among the top players.

A quick calculation shows that one should be investing around Rs 9,984 for the next 10
years, assuming that the SIP will grow at a conservative 8%, to be able to pay for a
course in an IIT. If SIP grows at 12%, the investment should ideally be around Rs 8,079
per month.

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How to achieve Financial freedom:

Make goal for your future:

From the early age work to start

Saving is compulsory for financial freedom

Emergency fund create > monthly exp *6

No shopping for others views

Actual exp –priority

Health insurance

Term policy for life insurance

Strictly follow to save and investment

Make Your expenses Budget

Based on these conditions, one needs to choose from bank and corporate fixed
deposits, non-convertible debentures, small savings instruments, debentures, Public
Provident Fund, Fixed Maturity Plans, perpetual bonds or tax-free bonds, etc,” he
added.

If your tenure is for two-three years, you can opt for debt products and arbitrage funds
that will offer good tax adjusted return. You can invest in debt Systematic Investment
Plans (SIPs) for a holiday in a year’s time. For home renovation after two years, go for
short-term debt funds or arbitrage funds. For your child’s education which is seven
years away or more, you can invest in equity-oriented funds with a certain proportion in
debt funds.
How to become rich in India: All you
need is Rs 4,000 to turn into a
crorepati:

Ashish Sharma, a 32-year old viewer of Zee Business, earns Rs 37,000 per
month and is working methodically to become rich. He is already running
systemic investment plans (SIPs) worth Rs 8000 and is well on his way to
becoming a crorepati.

Financial planning at an early stage is important to ensure a secure financial future

when you grow old. However, taking care of short-term goals is equally important. This
makes it important for all of us to create a balanced portfolio that focuses on long as
well as short-term money goals that we have in life. Most of us tend to ignore this critical
aspect, but Ashish Sharma, a 32-year old viewer of Zee Business from Jalandhar, did
not do that, much to his profit. Ashish earns Rs 37,000 per month and is working
methodically to become rich. He is already running systemic investment plans (SIPs)
worth Rs 8000 and is well on his way to becoming a crorepati.

Sharma has a goal of collecting Rs 30 lakh in 10 years, Rs 20 lakh in 20 years and

another Rs 30 lakh in 25 years. Sharma also has a goal of having Rs 1 crore by
retirement. For taxation purpose, he also holds Bajaj Allianz and LIC policies.

Ashish has invested in the following funds:

1) Reliance Regular Savings Fund

2) Reliance Smallcap Fund

3) SBI Bluechip Fund

4) SBI Magnum Multicap Fund

5) Mirae Asset Emerging Bluechip Fund

Vishwajeet Parashar, Group Head Marketing of Bajaj Capital suggested to Ashish that
he should align his SIPs with particular goals. Sharma would need an SIP of Rs 13000
per month to collect Rs 30 lakh in 10 years, while only Rs 2000 SIP is required to
accumulate Rs 20 lakh in 20 years.

Earning Rs 30 lakh in 25 years requires an SIP of just Rs 2000 per month.

Sharma's retirement is 28 years away.

Parashar noted that he already invests Rs 3000 per month in Mirae Asset Emerging
Bluechip Fund and suggested that Ashish to raise it to Rs 4000, and thus collect Rs 1
crore in 28 years for retirement.

Please note that all the calculations here take into account a return of 12 per cent per
annum on the funds Sharma is investing in.

So, this is how Ashish Sharma is planning for his short and long-term goals. Before
wasting a day, you should also do the same. Simply list down your goals, the required
money and thus figure out how many SIPs of what amount you would require to achieve
your own as well as your family's financial goals.

Thus, a younger age would generally be associated with a relatively higher risk taking ability
with the goal of wealth creation. In such a scenario, a major portion (75-80 per cent) of the
investment can be parked systematically in Equities with the balance in Debt instruments like
Bond Funds, FMPs, FDs, etc. However, a higher age would typically equate with a relatively
lower risk taking ability and a goal of capital preservation with reasonable returns. In such a
scenario, investments in Debt instruments should supersede Equity investments. Nonetheless,
it is important to note here that disciplined investments into equities over a period of time can
also reduce the risks associated with equities considerably.

In this day and age of unlimited investment options, people often wonder the right
particulars of financial planning. A call to the Mutual Fund Helpline on Zeebiz requested
to make him a ‘crorepati’ in a span of 10 years.
He had a total of eight mutual funds – Reliance Tax Saver, HDFC Mid-Cap
Opportunities, ICICI Prudential Liquid Plan, Kotak Select Focus, L&T India Value Fund,
DSP Micro Cap Fund, Axis Long Term Equity and Mirae Asset Emerging Bluechip fund.

“It is commendable that you have opened a SIP at the age of 26. It is a good thing that
you have invested in so many funds because of prompting from your broker or any
other advice and made a portfolio for yourself,” said Punita Kumar Sinha, Pacific
Paradigm Advisors.

“If we do a calculation, Rs 2,800 per month in SIP for another 10 years and consider a
12% rate of return, you will easily be able to earn Rs 89-90 lakh in 10 years,” she
added.

However, Sinha suggested that instead of having three Mid-Cap funds (L&T Value
Fund, HDFC Mid-Cap Opportunities and Mirae Asset Emerging Bluechip fund) to dim it
down to just one.

“If you want to earn Rs 1 crore in a span of 10 years, you will have to start SIPs of Rs
31,500,” Sinha concluded.

New investors have been advised to slowly increase their investments in SIPs as their
income increases. Do keep in mind funds and the allocation of money to each is
decided after careful consideration of individual investors.

In an earlier report, we spoke about how small savings every month help you become a
‘crorepati’.

Investing just Rs 6,000 in SIPs per month for 17 years with an expected rate of return of
20% per annum would mean your investment amount is over Rs 12,00,000 for the
entire time period.

And at the time of maturity, earnings would be much higher.

TAGS:

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To

Date: 18.05.2016

The Branch Manager

ICICI Bank
Saket

1. Sub: Request letter for issuance of FD

Dear sir,

I the undersigned, being duly authorized by Artlite Illumination Pvt. Ltd. request
ICICI Bank Limited (“ICICI Bank”) to issue FD for the purpose of Bank Guarantee:

FD Amount : Rs.225000/-

Period : 390 Days

Auto Renewal : Yes

Auto Closure : No.

Kindly acknowledge receipt on above of the same.

The bearer of this letter will collect the document.

Thanks with Regards

For Artlite Illumination Private Limited Signature Attested

Authorised Signatory
Date: 15.06.2015
To

The Branch Manager

ICICI Bank
Saket

Sub: Stop Payment Ch. No. 146277 dt.04.2015 of a/c No.002151000087.

Dear sir,

We are having the current a/c No. 002151000087 in your Branch , requesting to

Stop payment due to the name mismatch as under mentioned detail:

Cheque . No. Date Amount Issued in favour

146277 04/05/2015 5880/= Ellsworth Adhesives Pvt.Ltd

Kindly acknowledge receipt on above of the same.

Thanks with Regards

For Artlite Illumination Private Limited

Authorised Signatories

Date: 19.05.2016

To

M/s Marks & Spencer Reliance India Pvt.Ltd

Infinity Tower – c- Ground Floor, Dlf ciber City
Phase II Gurgaon-122002
Tel.01244574750
Sub: Submission of Bank Guarantee of Rs.204680.00

Dear Sir,

We are hereby submitting you the Bank Guarantee document against BG

No.0171BGFD000317 as required agst Po. No. PO0004109 DT.24.04.2016

Kindly acknowledge receipt on above by stamp & sign.

With Warm Regards

For Artlite illumination Pvt. Ltd

(Authorised Signatory)

Enclosed:1. Bank Guarantee Beneficiary’s copy

2. Stamp paper covering letter

Dear sir,

We are having the current a/c No. 002151000087 in your Branch , requesting to

Stop payment due to the name mismatch as under mentioned detail:

Cheque . No. Date Amount Issued in favour

146277 04/05/2015 5880/= Ellsworth Adhesives Pvt.Ltd

Kindly acknowledge receipt on above of the same.

Thanks with Regards

For Artlite Illumination Private Limited

Authorised Signatories

R/sir,
Requesting to please release the debited amount of Rs. 15000/- as promised by you to be reversed
But still unpaid! I may rejoin after 15 days of formal confirmation & My expected Salary :Rs.60000/- pm.