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COGNUS CAPITAL INVEST
Head Office :
4th Floor, Pacific Tower, Madhuban Scheme
Udaipur, India 313001
Corporate Office : 207, Luhadia Tower, C-Scheme Ashok Marg
Jaipur, India
P +91-294 2411709 | 9982795333
E [email protected]
W www.cognuscapitalinvest.com
ABOUT COGNUS CAPITAL INVEST
Cognus capital invest is a financial
advisory firm offering a broad range of
services to meet the needs of our
client with a unbiased approach..
 Tax Planning
 Cash management planning
 Short term planning
 Portfolio management(PMS)
 Corporate FD’S/ Bonds
 Medicliam
 Term plan
OUR USP’S
 Free one to one financial services
 Any time free consultation
 Complete end to end support
 All type of investment solutions
WHY TO INVEST
“You can waste money lifetime getting no where or you can invest some amount each
day to get anywhere!”
FACTS ON INVESTMENT
95%
of indian customer keep
money in Bank and Fixed
Deposit
79%
of youth indian is unfamiliar
about the investment
products
WHERE TO INVEST
INSTRUMENT
TAX BENEFITS
RETURN
DURATION
EPF
YES
8.5%
15 Years
PPF
YES
8.8%
15 Years
NSE CERTFICATE
YES
8.8%
5 Years
FDS-BANKS & POST OFFICE
YES
7.70% To 9.50%
5 Years
SENIOR CITIZEN SAVING
SCHEME
YES
9%
5 Years
MUTUAL FUND
YES
Market linked
Any time
ULIP
YES
Market linked
5 Years
DIRECT EQUITY
YES
Market linked
Long term
GOLD
NO
Market linked
Long term
REAL ESTATE
YES
Market linked
10-15 Years
INVESTMENT GOALS
CAPITAL
PRESERVATION
GENERATE
INCOME
CAPITAL
APPRECIATION
SAVING BANK
ACCOUNT
FIXED DEPOSIT
FIXED DEPOSIT
PPF
PO-MIS
PO-MIS
MUTUAL FUNDS
The above chart clearly indicates that all type of financial needs
can be fulfilled through Mutual Fund. However the myth about
Mutual Fund is that it deal with Equity market only
SAVING BANK ACCOUNT Vs LIQUID FUND
ITEM
MONEY IN SAVING
ACCOUNT
MONEY IN LIQUID
FUND
AMOUNT
100000 Rs.
100000 Rs.
INTEREST ON AMOUNT
IN 365 DAY
4000 Rs.
8000 Rs. To 9000 Rs.
PER DAY INTEREST IN INR
11 Rs. / Day Approx
22 to 25 Rs. / Day
Approx
NA
11 To 14 Rs. / Day
IF A PERSON PUT HIS
MONEY LIQUID FUND
THAN EARN ADDITIONAL
PER DAY
(IN INR )
BANK FIXED DEPOSIT Vs FIXED MATURITY PLAN
COMPONETS
BANK FIXED
DEPOSIT
BREAK DOWN
INVESTMENT AMT(RS)
F.M.P =FIXED MATURITY PLAN
With indexation
Without
indexation
100000
100000
100000
ASSUMED NET YIELD (P.A)
9%
9%
9%
TENOR (MONTH)
36
36
36
130605
130605
130605
N.A.
9%
N.A.
30605
30605
30605
INDEXED COST ACQUISITION
N.A.
130605
N.A.
INDEXED GAIN /LOSS
N.A.
0
30605
TAX RATE
33.99%
22.66%
11.33%
TAX ON FD/ CAPITAL GAIN ON
MF5
585.18
0
3467.54
POST TAX INCOME
1136.44
30605
27134.45
6.67%
9.00%
8.1%
AMOUNT AT MATURITY (RS)
INDEXATION RATE
INTEREST /LTCG
POST TAX YIELD (ANNUALISED)
INVESTMENT OPTIONS IN MUTUAL FUNDS
TIME
1-2
2 – 12
1
1-2
2-3
3-5
5 YEAR
HORIZON
MONTH
MONTH
YEAR
YEAR
YEAR
YEAR
PLUS
LIQUID
GILT
FMP
MIP
BALANCED
EQUITY
SECTOR
0%
0%
0%
20%
60%
80-100%
Equity
Equity
Equity
Equity
Equity
80-100%
Equity
100%
Money
Market
100%
100%
80%
40%
0-20%
0-20%
Govt.
Security
Debt
Debt
Debt
Debt
Debt
7-9%
8-9%
10-11%
10-12%
12-14%
15-20%
15-20%
TYPE
ASSET
ALLOCATION
Equity
YEARLY
EXPECTED
RETURN
SIP CONCEPT
SR
MONTH
SIP
NAV
AMOUNT
UNIT
Total Unit Purchased = 166.32
PURCHASED
1
January
1000
100
10
2
February
1000
70
14.28
3
March
1000
15
66.66
4
April
1000
20
50
5
May
1000
65
15.38
6
June
1000
100
10
TOTAL
6000
166.32
Current NAV = Rs.100
Current Value of Investment
166.32 X 100 = 16632/-
Actual Amount
Invested
Only 6000/-
WHY MUTUAL FUNDS
Very few people have been exposed to the idea & advantages of mutual funds and
even fewer actually invest in mutual funds, because of lack of adequate knowledge
MEASURE
US
INDIA
Rupees invested in Mutual Funds out of 100
> 30
<2
MF Industry size as % size of economy (GDP)
77%
8%
Total size / value of MF industry (Rs. 1000 core)
> 929
> 10.87
MUTUAL FUND
BEST INVESTING OPTION
THE FORMULA FOR CREATING WEALTH
Start
Early
Invest
Regularly
Right
Asset
Class
Create
Wealth
Example: If you invest 2000 per month for 25 years ,your total corpus after 25 yrs is
1.35 cr
ANY QUESTIONS
MAKE YOUR MONEY WORK HARD FOR YOU
CONTACT US
Thank you for your interest in Cognus Capital Invest
services. Please provide the following information
about your financial needs to help us serve you
better.
For more information please contact us:
Address:
Cognus Capital Invest
4th Floor, Pacific Tower, Madhuban Road
Udaipur, India
Phone: 09982795333
Email: [email protected]
Website: www.cognuscapitalinvest.com