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Golden Rules Of Investment- Stay For Long Term

Hey All,

This is the final post from the series "Golden Rules Of Investment"...Here i have posted how compounding interest plays a major role in your returns...

Hope this post will surprise you...

Power Of COMPOUNDING...!!!



Compounding can make even small investments become large with time...!!!

Golden Rules Of Investment - Start Early & Save Regularly

Hey All,

This is the 2nd post in the series of "Golden Rules of Investment"...Keep these things in mind before planning for any type of Investment...

Hope this Information will be Beneficial For You...

Benefits of Starting Early & Saving Regularly.

An Annual contribution of Rs.20,000 made at the same time each year until the age of 65 at a 10% investment yield...



As you can see that people who started even one year early made a huge difference in their returns...

Golden Rules Of Investment - Start Early

Hey All,

I am here to present you some Golden rules of investment which would surely help you in making a informed choice and gain financial independence.

Hope it will benefit you...

Retirement - Cost of Waiting...

Let’s look at 2 different investment styles of Ms. Manjula and Mr. Manjunath who have planned to retire at the age of 58yrs...
Below mentioned is their investment pattern...



With much lesser investment, Manjula’s maturity proceeds is almost equal to Manjunath...

This shows & proves that starting early will always be beneficial to us...

Baap of Magic plans-ULIP

Hey All,

I am back with a new idea...an investment idea similar to my earlier post "Baap of Magic plans".
The major difference between the earlier "Baap of Magic Plans" and this new version is that earlier version was a traditional and guaranteed returns plan where the returns were moderate and this being a market linked plan with a possibility of vertical growth in future in terms of returns & benefits...

Hope you all will appreciate my effort...

This is a case study of 1 lac premium per year and annual growth assumptions at current market conditions..


When Raj was 30, he decided to invest 1lac every year for his retirement...He chose a good equity based retirement fund and invested in it till he turned 60yrs.


When he retired @ 60,he withdrew 20 lacs to settle his outstanding loans.


And, to support his daily expenses he started withdrawing Rs.1,00,000 every month(Rs 12 lacs every year) from age 61 to 78!!!


When he was 61, he took his family for a foreign trip and surprised them...Rs 10 lacs for the vacation came from this plan...


When he was 63, his wife underwent a surgery of her knee cap...He withdrew Rs 10 lacs from this plan for the hospital expenses...


When he turned 65,his son wanted to start a business,he supported him with Rs 30 lacs which came from this plan..


When he was 70,he sponsored Rs 20 lacs for his granddaughter's higher education.


Today he is 79,and still he has a corpus of Rs.1.42 crores in the plan!!!


In case of his absence,his wife will have the entire amount tax free!!!


In case of an unfortunate eventuality of his death,his family would have received death benefit...eg. If he had died at the age of 55,his family would have got Rs 98 lacs immediately!!!

Mr.Kumar invested only Rs.30 lacs while he was working and got back Rs 4.48 crores after he retired!!!


This plan helped him attain financial independence after retirement...
He is still considered to be the decision maker at home by his family members in-spite of being retired from his work...


His children and grandchildren still look up to him with respect for his farsighted and independent nature...


He & his wife never became a financial burden to his children after getting retired because of his retirement planning...


Do you want your retired life to be like this???


You know what you have to do...Call me on 9901045869


or mail me subhash.sukumar@gmail.com


Or leave a comment....


Hope to hear some suggestions and feedback as usual....