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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....

Best children plan

Hey All,

I am overwhelmed by your continuous support & response for my blog and it is evident with the number of page views and interests created around.
I apologize for not being able to post any new content as i was busy with the product presentation meetings and helping interested people to take up these plans.

As you all know that my 1st post "Baap of Magic plans" created lots of curiosities and interests in people's mind that i was rushed with queries and requests for a one on one presentations and closings.
As i was presenting the plans to my prospective clients,i found out that there are many people who are looking for short term investment opportunities as well and my next post "How to create wealth in short term" drew their interest and i was able to close even more sales with this plan..

This time i decided to present you a plan which would be the best gift you could buy for your child...So read on & find out yourself how beneficial it is...

This is a story of Mr.vasu...



Hi,Iam vasu,i am a 77 yr old sr.citizen...Let me tell you how i had been a responsible father and ensured that my son always loved & respected me for my farsighted thinking...



I was 30 at that time and was a salaried employee working in a reputed corporate in India..
just one month back,i was blessed with a baby boy...



I am delighted and i wanted to ensure that i should be prepared & plan well in advance for all those expenses i would incur on my son which would pop up in future,So i decided to take a children plan..
I consulted few financial consultants and zeroed in on a particular plan..
I liked this plan because this was attractive & made sense compared to the other investment which was blown out of proportion with unrealistic calculations...
Lets find out how this plan benefited me...

I started investing 1 lac every year in this plan till my son reached the age of 18..
Need 1:


As my son krishna was an average student,he could not secure a merit seat & i had to pay up 15 lacs as capitation fees + 2 lacs as miscellaneous expenses to get him on board in a reputed college...The entire funding came from a magic account which i had created for his education expenses...

Need 2:


From 21st yr till 29th yr,i gave my son a pocket money of 2 lacs every year as he had not settled down completely & would not have had enough money to manage his expenses on his own...The pocket money came from a magic account which i had created for his other expenses...

Need 3:


At the age of 30,He expressed his desire to get married to the girl he loves..And as a loving father who had always stood by his side and loved him so much,i agreed on a condition that i would take care of his marriage expenses...



I spent 15 lacs on my son's wedding and everyone loved & enjoyed the party and joined us in our celebration...The entire money came from a magic account which i had created for his marriage expenses...

Need 4:


As the domestic expenses increased after my son's marriage,My son withdrew 5 lacs each for the next 2 yrs from the magic account which i had created for his home making expenses...

Need 5:


At the age of 33,he had his 1st child,i was delighted because i had become a grandfather...my son withdrew 8 lacs for the hospital & other miscellaneous expenses from the same magic account which i had created for his new born child expenses...

Need 6:


At the age of 34,he wanted to upgrade his sedan car to an SUV,so again he withdrew 15 lacs from the same magic account which i had created to fulfill his offroading desires...

Need 7:


Now as the lifestyle & fuel expenses increased,my son withdrew 4 lacs each for the next 2 yrs from the magic account which i had created for his lifestyle expenses...

Need 8:


At the age of 37,he had his 2nd child and he cannot be partial,so he withdrew another 8 lacs again from the same magic account which i had created for his 2nd child expenses...

Need 9:


Now that the family is big & the expenses also is increasing day by day,From the age of 38 till 46,my son is happy with the 6 lacs which is coming to him every year from the magic account i had created for his lifestyle expenses...

Need 10:


At the age of 47,my son took a final payout of 1.1 crore from the magic account which i had created for him...

Now that the magic account is closed,lets get into the summary of the money which my son used for himself all these years...

I paid 18 lacs for 18 yrs to ensure that my son could enjoy the benefit for a really really long time...
It does not mean that my son was not independent & capable of earning enough to take care of his needs,but a little extra cash will always come handy at any point of time for anyone!!!This is what i have learnt from my life....

So lets get into the numbers,My investment into this child plan was 18 lacs only but my son withdrew 1.53 crores from 19th to 46th year for various expenses and still at the age of 47,he had a corpus amount of another 1.1 crore at his disposal!!!



And if something unfortunate would have happened to me during the premium payment term,my son would have received a sum of 25 lacs immediately and all the above benefits would still have come to my son as planned!!!



I hope now you understand why my son loves & respects me for my farsightedness...

So as you have read the story of Mr.Vasu, what are you waiting for???

Act Now...


Do you want your child's life to be like this???

If yes,then post a comment or mail me @ subhash.sukumar@gmail.com or call me on my number 09901045869.

Hope to hear your feedbacks and suggestions if any...

How to create wealth in short term-Illustration(Part2)

Read this first to understand the below illustration...

Scenario 1 – Lowest recorded unit purchase in the next 12 months.
Age – 30
Net Invested Premium – 1lac p.a,
Premium paying term – 5yrs
Plan Term – 10yrs

1st year Net invested premium is 1lac and assuming the unit price at the time of entering into the plan is 10rs.
Assuming that in the next 12 months, the unit price of the fund touched a low of 6rs and ended at 11.50rs.
Instead of normal unit allocation of 10000units, you will get units purchased at the rate of 6rs.
So you will get 16667 units in the 1st year.

2nd year Net invested premium is 1lac and the unit price at the time of purchase is 11.50rs.
Assuming that in the next 12 months, the unit price of the fund increased and ended at 13.50rs.
You will get units purchased at the rate of 11.50rs.
So you will get 8696units in the 2nd year.

3rd year Net invested premium is 1lac and the unit price at the time of purchase is 13.50rs.
Assuming that in the next 12 months, the unit price of the fund decreased and ended at 9.75rs.
You will get units purchased at the rate of 9.75rs.
So you will get 10256 units in the 3rd year.

4th year Net invested premium is 1lac and the unit price at the time of purchase is 9.75rs.
Assuming that in the next 12 months, the unit price of the fund increased and ended at 14.75rs.
You will get units purchased at the rate of 9.75rs.
So you will get 10256 units in the 4th year.

5th year Net invested premium is 1lac and the unit price at the time of purchase is 14.75rs.
Assuming that in the next 12 months, the unit price of the fund increased and ended at 18.50rs.
You will get units purchased at the price of 14.75rs.
So you will get 6780 units in the 5th year.

Now total of all the units accumulated is 52655.
The NAV at the end of 5th year is 18.50rs.
So fund value= total number of units*Current unit price
52655*18.50=974117.50

Almost close to double the invested amount in this illustration!!!
Scenario 2 – Highest recorded NAV in the last 7yrs.

As in the above illustration, we could see that at the end of 5th year the NAV price is at 16.50rs.
Assuming that in the next 2 years, if the NAV peaks to 22rs and comes back to 18rs also.
You will get, total number of units*Highest recorded NAV in last 7years.
52655*22=1158410.

Scenario 3 – Unit Price at maturity.

At the time of maturity if the NAV is 30rs, which is higher than the other 2 scenarios mentioned above.
You will get, total number of units*Unit price at maturity.
52655*30=1579650.

So an investment of Rs.500, 000 will give you Rs.1, 579,650/- within a period of 10years!!!

The above mentioned profits are completely tax free!!!

Above all these benefits, if you pay 5 premiums at once you will get 10% of the total premiums as cash back on the spot!!!

Please note that all the above mentioned figures are only for understanding and for illustration purpose only and the returns may vary depending on the invested amount and market fluctuations.