#4 Critical Things to check before

Investing

1Risk

Step 1- Check the Risk of investing ofProduct against the expected returns.

Step 2-Check your Risk Attitude andRisk Capacity

Step 3- Compare the Risk of productwith Personal Risk Profile

Investment

RiskCapacity

Risk Attitude Returns

2 Return

Step 1- Check the Historical Returns ofthe Various investment Options

Step 2- Estimate the expected returns forfuture period.

Step 3- Build a portfolio with all productsin a proportion, which gives ExpectedReturn with Acceptable Risk

Step 4-Check the Hidden Charges ofproducts before investing

8.0%

19.0%

27.0%

5.0%

21.0%

35.0%

7.5% 8.0% 7.5%

2.3%

-11.5%

-3.7%

-20.0%

-10.0%

0.0%

10.0%

20.0%

30.0%

40.0%

2013 2014 2015

Returns on different Products

Shares Mutual Fund Fixed Deposit Gold

Source: AdviseSure Research

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3Tax on Returns

Tax on Income can take major chunk of the returns.

Income from Products like shares and Equity mutual funds is Tax Free if sold after one year

This makes it necessary to check the taxes on the returns earned from various products

Equity Mutual Funds

Debt Mutual Funds

Fixed Deposit Tax on Interest as per Tax Slab of Investor

Tax free if Sold after 1 year. 15% tax in case sold within 1 year of PurchaseShares

Bonds

Tax free if Sold after 1 year. 15% tax in case sold within 1 year of Purchase

10% Tax if Sold after 3 years. If Sold within 3 years then as per Tax Slab of Investor

Tax on Interest as per Normal Income Slab

For Detailed Analysis refer our Taxation page

4Liquidity

Liquidity means easy to sell a particular product A portfolio should consist of the right mix of liquid and less liquid products. Less liquid provide

greater returns whereas as liquid ones may provide less returns in the short run Some part of your investments should be kept in liquid fund or maintained in your savings

account to meet contingencies

Bank Fixed Deposit

Saving / Current Bank Account

Corporate Fixed Deposit

Highly Liquid

Property

Equal to cash

Moderate Liquid

Illiquid

Debt / Equity Mutual Funds

Highly Liquid

Shares/Gold Highly Liquid

Risk ProfilingKnowing-

Risk Capacity- How muchRisk you can afford to take

Risk Attitude- How muchRisk you want to take

Financial GoalsKnowing-

All Financial Goals of the life

The Inflation adjustedamount required to meetthem

Right Portfolio

Investment Products rightas per risk profile

Portfolio which is taxefficient

Buy/ Sell

With least Brokerage &Commission

With Nil hidden costs

Regular Monitoring

Of Portfolio and Markets

Rebalance Investmentswhen required

1 2 3 4 5

Right Process

Know Best 5 shares for your Risk

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In case you want to Make Tax Saving Investments

In case you want to Buy and Sell any product

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