Kuwait%20India

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• Kuwait India
• Extends a Warm Welcome
• to
• Keralite Engineers Association (K.E.A.)

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A Presentation

• About Kuwait India Intl Exchange Co.
• KIRAN On-line
• NIKI
• Sabhan International Consulting Organisation
• Building Personal Wealth Financial Planning
  Strategy
• 
  October 4, 2011

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Kuwait India

• Pre-eminent India-focused Exchange Co.
• Established 1979
• Managed by top executives of SBI, since inception
• Strong ties with State Bank Group
• Wide bouquet of products/services paper,
  electronic
• Retail, Corporate, Trade Business -- Global
• Millions Millions of customers served
• It takes 20 years to build a reputation and
  five minutes to ruin it. If you think about
  that, youll do things differently.

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Kuwait India

• Compelling Value-Proposition
• Customer Focusedness
• Cost Competitiveness
• Superior Technology-based Products/Services
• Efficacious Corporate Delivery Systems
• Excellence in Feedback, Follow-up and After Sales
• Strong Management Skills expertise, traditions
  of SBI
• Networking abilities with SBI and other
  Correspondent Banks
• Looked up to by NRIs for guidance in
  remittance/savings/investment needs
• Customers Trust - -
  Kuwait Indias Pre-eminence

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Kuwait India Intl Exchange Co.W.L.L
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Kuwait IndiaA Feedback

• Kuwait India has really embraced its
  customers in the true sense of the word and has
  provided a level of service which is quite
  unparalleledthis is evident in the way the team
  takes all the customers thru the paces, putting
  them at ease, speaking their language and
  providing the necessary money transfer service in
  an utterly transparent and super efficient
  manner. This is in addition to solving their
  personal problems, giving advice, helping with
  contacts in India etc. etc. The customer service
  culture is so deep rooted that no customer would
  ever want to leave the Company

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Kuwait IndiaA Feedback

• ever want to leave the Company. Mr. Kanna,
  further adds The top management of Kuwait
  India, together with their team (silent,
  dedicated, efficacious, behind the scenes
  players) have, over the years, converted most
  customers to apostles i.e. those who, on their
  own volition after having experienced the acme of
  service levels, promote the Company and bring in
  more and more customers. He says.this is the
  single-most outstanding achievement of this fine
  organization.

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Kuwait IndiaKIRAN Online

• Remittances from the comfort of your home/office
  even from India and anywhere else in the world
  its a childs play!
• A brief presentation

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KIRAN OnlineA Childs Play
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N I K I

• Personal Accident Policy
• Cover KD 1000-1300
• Annual Premium KD 1.200 ( a mere 100 fils a
  month!)
• Residents of Kuwait All Nationalities
• Cover Across the globe
• From New India Assurance Co.
• Eligibility Age 18 to 65 Customer of Kuwait
  India
• Better Safe Than SorryFor Your Dear
  Ones

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Sabhan Intl Consulting Helping You Grow Your
Wealth

• Provides services in the area of
• Marketing Consultancy
• Project Management
• Economic Consultancy
• Organising Fairs
• For guidance/facilitation in
• Stock Market Investments
• Mutual Funds
• Insurance Products
• Tax-Related Matters

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Building Personal WealthFinancial Planning
Strategy

• R.Kuppanna , General Manager
• Kuwait India International Exchange Co.
• 
  
  
  October 4, 2011

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Save, Invest Grow Wealth

• How does one save, protect savings, plan
  finances, invest, and build wealth?
• Principles Framework ?
• Process long term, systematic, patient,
  disciplined
• Short Term thinking is the Enemy of
  long term Success

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The Power of Compounding

• A sum of Rs. 100 invested would add up to

CAGR ()/ YEARS 8 10 15 20
10 216 259 405 619
15 317 418 814 1541
20 466 673 1637 3834
Compounding, says Einstein, is the eighth wonder
of the world
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Risk Return Graph
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Investment Concerns/Needs

• Safety
• Volatility
• Inflation
• Liquidity
• Growth
• Financial Goals
• Wealth Building Preservation
• Comfortable Life Post-Retirement
• What the wise men do in the beginning,
  fools do in the end.

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Investment Options

• NSO/PO Deposits, NSCs, PPF
• Banks Savings, Recurring, Fixed
  Deposits
• Company Deposits, Debentures
• Mutual Funds Cap-Specific Sector-Specific
  Balanced Hybrid Liquid
• Money-Market
• Equity Traded Stocks ETFs
• Futures Options
• Precious Metals
• Real Estate
• Exotica
• If you cannot find an attractive idea, put your
  money in the bank a/c till you get one.

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Qualitative Aspects

• Manage Greed Fear
• Avoid emotional attachment
• Avoid actions based on hearsay/rumours/sentiments
  
• Avoid over-leveraging
• Dont try to time the market
• "Individuals who cannot master their
  emotions are ill-suited to profit from the
  investment process." - Benjamin Graham

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Mutual Funds

• Suitable for those who
• --dont have wherewithal for research
• --have limited resources
• --have little time and
• --still would like to benefit from equities
• When you combine ignorance and borrowed
  money, the consequences can be disastrous.

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Mutual Funds

• Not an alternative investment option to
  stocks/bonds
• Pools monies of several investors and invests in
  stocks/bonds/other securities
• Owner of a mutual fund gets a proportional share
  of funds gains/losses/income/expenses
• Derives the benefits of professional management,
  diversification, liquidity, affordability,
  convenience, flexibility, variety
• "Proper accounting is like engineering. You
  need a margin of safety. Thank God we don't
  design bridges and airplanes the way we do
  accounting." - Charlie Munger

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Mutual Funds

• Types of Funds
• gt Open-Ended (can enter/exit fund)
• gt Close-Ended (exit after scheme period)
• gt Interval-Fund (entry/exit at periodical
  
• intervals (quarterly/half-yearly etc.)
• An investment in knowledge always pays the
  best interest.
• 
  . . Benjamin Franklin

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Mutual Funds
OBJECTIVE INVESTMENTS
Equity (Growth) Stocks/Shares
Debt (income) Fixed Income Securities
Money Market Short-term Liquid Instruments
Balanced Partly Stocks/Partly Fixed Income
Wealth Protection Gold/Gold-Related
Making money on free advice, is like winning a
lottery without a ticket
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Exchange Traded Funds (ETFs)

• What? Investment Schemes whose units are listed
  on stock exchanges after listing, traded like
  equity stocks
• ETFs have some underlying security or group of
  securities (like an index), commodities (like
  gold or oil)
• Underlying securities determine the value of ETFs

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Gold ETFs

• Has gold as the underlying security
• Advantages owning gold without the hassles of
  physically holding themavoiding expenses, bank
  vault charges, insurance etc.
• No concerns of qualitygold backing from LMBA and
  stored in vaults fund house takes care of all
  risks of storage and safety minimal expense
  ratio
• Buying/Selling Very Easy

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LICs Gold Plus

• Investments in Gold ETFs/Gold Spot
• Investment Currency US
• Comes with Life Insurance Cover (min. 2000)
• Term 5-35 years
• Lock-In 2 years
• No exit charges after 4 years
• Upfront (allocation) charges 6-7
• Nominal annual charges
• Only buy something that youd be perfectly
  happy to hold if the market shut down for 10
  years. Warren Buffett

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LICs Jeevan Astha - 2

• From LIC International
• Single-Premium, Close-End Product
• Guaranteed Returns 5, 5.5, 5.75 for
• 3, 5,
  10 year maturity
• Loyalty Additions
• Unlimited Top-Up Amount
• Age on Maturity 18 to 70 Years
• Minimum Plan 2584.91

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THANK YOU