Financial planning and wealth management

Interest on FD (find out which bank is giving the highest

interest, mention the rate and the name of bank)

Ans: - Bank Name- Ujjivan Small Finance Bank.

Ujjivan Small Finance Bank has increased interest rates on its fixed
deposit with effect from August 2022. Fixed deposit for senior citizens
will earn an additional 75 basis points across all tenures. Ujjivan Small
Finance Bank offering FD rates of 7.5% on the three tenures. FD Interest
rates (Domestic and Non-Resident Ordinary) below Rs. 2 Cr.

Tenure Previous interest New Interest rates

rates (Aug2022)

75 weeks (525days) 7% 7.5%

990 Days 7.20% 7.5%

75 Months 6% 7.5%

B) Interest on NSC (Post office)

Ans: - National Savings Certificate (NSC) is a tax saving investment

that can be purchased from any post office by an Indian Resident.
Being a fixed return and low risk Government of India-backed
investment, NSC is usually preferred by risk-averse investors or
 Financial planning and wealth management

those seeking to diversify their portfolio through fixed return

instrument.

Interest Rate 6.8% p. a

Tenure 5Years

Investment amount Minimum amount 10,000.

Maximum amount not limit

Tax Benefit Up to 1.5 lakh under section

80C of the Income tax Act.

C) Interest on RD in Bank and Post office (find out which

bank is giving the highest interest, mention the rate and the
name of bank.

Ans: - Bank and Post office Recurring Deposit scheme has been
providing to Aperid and have sufficient funds to achieve
specific financial goals at the end of period.

Bank Recurring Deposit

Bank Name Period General public Senior citizen

IDBI Bank 6 Months to 10 7.15% 7.65%

Years
 Financial planning and wealth management

Post Office Recurring Deposit: -

Interest Rate: - 5.8% P. A (Compounded Quarterly)

Minimum Deposit: - Rs. 100 per Month.

Maximum Deposit: - No upper limit (Any amount in multiple of Rs. 10)

D) Return on Stock Market (search the return from stock market

today with regard to investment made one year and two years
before. Also specify which stocks (mention also name of industry)
are giving better returns.

Ans: - Stock Name: - Adani Ports & Special Economic Zone

Industry- Transport Infra

Founded: - 1998

CEO- Mr. Gautam Adani

Listing date: - 27/11/2007

Listing Price- 770

Today stock Price- 871.80 Per Share

Previous One Year returns- 23.59%

Previous Three-Year Returns- 143.93%

E) Return from Real Estate (in the last two to three years)

Ans: - Residential properties have and average annual returns of 10.6%,

commercial properties have a 9.5% average return, and REITs have an 11.8%
 Financial planning and wealth management

average return. Knowing the national average return on an investment property

is extremely useful of comparing your on investment properties.

One of the first things you hear when you are building your investment portfolio
is that you should spread your wealth across different types of investment. That
means you should build your portfolio. But before you drive in there are few
things you may want to consider. What kinds of real estate investment should I
choose? What are the average annual returns in long term rea estate find more
about this sector are.

Real estate investment can come in variety of forms.

The real estate sector is divided into two main categories – residential and
commercial real estate.

There are also mutual fund and exchange traded funds available that track the
real estate sector.

One way to diversify your real estate holding is by investing in real estate
investment trusts.

F) Return from investment in Gold (in the last two to three years)

Ans: - The return of gold as an investment reached almost 18% in two years.
The annual average gold price increased overall since 2021. The rate of return
however dropped and was negative at 4.3% at the end of 2021.

Real estate investment can come in a variety of forms.

 Financial planning and wealth management

The real estate sector is divided into two parts – Residential and commercial
real estate.

There are also mutual funds and exchange traded funds available that track the
real estate sector.

One way to diversify funds and exchange traded funds available that track the
real estate sector.

Global gold market is heavily influenced by the monetary policy and interest
rates by US Federal reserve. Interest rates are predicted to increase in 2022,
which may result in falling gold price. There was only a marginal increase in
gold prices throughout the half of the years although it was still higher than
during the Covid-19 crisis 2020.

G) Return from Mutual Fund (specify the name of scheme, details

of scheme whether it is growth fund or diversified or tax saving
etc, their return rate, details of portfolio investment of such
scheme

Ans:- Fund Details

Investment Objective - The scheme will seek long term capital

appreciation by investing in equity and equity related securities of technology
and technology dependent companies. A large share of the AUM will be
invested in the stocks under the Benchmark Index; however, the scheme may
also invest in other companies which form a part of Information Technology
Services Industry.

Fund House – ICICI Prudential Mutual Fund

Launch Date- Jan,01/2013
 Financial planning and wealth management

Benchmark – S&P BSE Teck Total return index

Riskometer- Very High
Type- Open ended
ICICI Prudential Mutual Fund return on investment reached almost 34% in
three years. The all-time average return in 23%.
SECTOR HOLDING DETAILA IN MF

SECTORS ASSETS (%)

Technology 75.45

Services 9.45

Communication 6.69

Energy 0.79

Capital goods 0.73

Others 6.89

ASSETS ALLACTIONS

SECTORS ASSETS (%)

Equity 93.14

Debt 0.11

Others 6.75

MARKET CAP ALLACTIONS

 Financial planning and wealth management

MARKET CAP (%)

GIANT CAP 68.10

LARGE CAP 15.81

MID CAP 11.85

SMALL CAP 4.24

TINY CAP 0.01

 . Current NAV: The Current Net Asset Value of the ICICI

Prudential Technology Fund - Direct Plan as of Aug 19, 2022 is Rs
149.92 for Growth option of its direct plan.
 Returns: Its trailing returns over different time periods are: -3.37%
one years, 33.92% (three years), 28.27% (five years) and 23.44% (since
launch). Whereas, Category returns for the same time duration are: -
3.61% (one years), 30.51% (three years) and 26.13% (five years).
  Fund Size: The ICICI Prudential Technology Fund - Direct Plan
currently holds Assets under Management worth of Rs 8508.13 crore as
on Jun 30, 2022.
  Expense ratio: The expense ratio of the fund is 0.79% for Direct plan
as on Jun 30, 2022.
  Exit Load: ICICI Prudential Technology Fund - Direct Plan shall
attract an Exit Load, "Exit lot of 1% if redeemed within 15 days"
 Financial planning and wealth management

 Minimum Investment: Minimum investment required is Rs 5000 and

minimum additional investment is Rs 1000. Minimum SIP investment
is Rs. 100.

As pre me recommendation.