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kVF©çÃ åV|¼kVì ‡ ¨ºïçá åV|ºï^
2
Magnum Investments
c^¼á Îò Eé ïòÝmÂï^
ÃVoE>V«ö[ ÃðD ¨ËkV® ¶[ÃVª x>Üâ¦Vá¼«,
ÃVmïVÂï©Ã|þÅm ‡4 cºïçá ¨ºïám x>_ xBuEBVª AÝ>ï k½s_
Ãºzß ÄÍç>¥D Ö[·R«[·D ‡ 6 ÄÍ]©Ã]_ tï¡D \þμßE ¶ç¦þ¼ÅVD.
¸ZtBD ¨Ëká¡ ïâ¦ ¼kõ|D?‡ 7
cBìÍm kòD ï_sÄ ØÄé¡ï^ ‡ 8 ¶]ï\Vª x>Üâ¦Váìï^ 5 kò¦ºïÓÂz ¼\_
öç¦BìØ\õ¦ ©áVMº ‡9 ¨ºïÓç¦B ïDØÃMl_ x>Ü| ØÄFm kòþSìï^.
ØÄVÝm còkVÂz>_ ‡ 11
kò¦D 100 ¼ÄtÝ>_ ‡ 12 cºï^ ¶çªkòÂzD ¼Äçk ØÄF¥D kçïl_
>uØÃV¿m åVºï^ ÖÍ> E¤B xBuEçB
¨ü { ¸ *â¦ì ‡ 13 ¼\uØïVõ|^¼áVD.
Ö[ØküâØ\õâ *â¦ì ‡ 16
Ö[·R«[ü ¨Ëká¡ ¼>çk ‡ 21 W] ‡ ]ât|>_ Ö[® Îò ïçéBVï ¶_é Îò
ÃâØÛâ½º JéD ¼ïVÏük«ì sÞQVª\Vï \V¤ kòþÅm.
gkm ¨©Ã½? ‡ 25
\V]ö ÃâØÛâ ‡ 27 g½â¦ìïçá© ¼ÃVé¼k çÃªV[EB_ ©áVªìï^
íâ½ kâ½ ïðÂþ|\ xçÅ ‡ 32 cºïÓç¦B W]çB EÅ©ÃVï WìkþÝm \VØÃòD
¨Ëká¡ ¼ÄtÂï ¼kõ|D ‡ 33 éVÃÝç> ~â½Ý >òþÅVìï^.
Øk_Ý \V¼ªëØ\õâ ‡ 35
\V]ì Øk_Ý \V¼ªëØ\õâ & Ö>uïVï E ¨© ¸ (Äì½çÃ| ©ªV[EBì ©áVªìï^)
ïVi ©¼áV ‡ 36 ÖòÂþÅVìï^. Öu> sÄBºï¹_ ¨ºï^ ïDØÃM
Ãºzß ÄÍç>l_ x>Ü| ØÄFkm cºïÓÂz EÅ©ÃVª xçÅl_ c>s ØÄF¥D.
ÃVmïV©ÃVª>V? ‡ 39
DBß·k_ Ãõâ kö ïâ¦ ¨_¼éVòç¦B \ª]KD ÖòÂz\ Îò xÂþB\Vª
¼kõ|D ‡ 42 ¼ï^s ‡ Öm >V[
cºï^ ïòÝmÂï^ ‡ 43 ‡ ¨Ëká¡ x>Ü|, ¨Ý>çª kò¦ºï^ ØÄF>V_
¨[ ° s ¨[ÅV_ ¨[ª? ‡ 45 ‡ ¨Ëká¡ Ãð\ Ö®]BVï þç¦ÂzD?
kò\Vª kö ¨Ëká¡ ïâ¦ Ö¼>V cºïÓÂïVï E¤B ïðÂz ‡ ò_ 72
¼kõ|D?‡ ‡ 47 6 $ 12 = 72
ïVüâ Ö[¸¼áÄ[ ÖõØ¦Â¼ÄÄ[ 8$9 = 72
Ãu¤ ‡ 50 12 $ 6 = 72
Ö[·R«[ü Äâ¦ºï^ ‡ 51 18 $ 4 = 72
Àºï^ °[ ¸Eªü ¶¼ÄVE¼Bâ 36 $ 2 = 72
x>o_ Öò©Ãm kâ½ sþ>D
gï ¼kõ|D ‡ 53 ‡ Ö«õ¦Vkm Öò©Ãm x>Ü| ØÄFB©Ã|D kò¦ºï^
x>Üâ½uz 6% kâ½ þç¦Ý>V_ ‡

12 kò¦ºï¹_ Ö«â½©ÃVzD.
Ö[ÐD Ãé sÄBºïÓ\ c^¼á

ÖòÂþ[Åª.cá.¼á ØÄ_¼kV\V! . . . ?
3
Magnum Investments
x>Üâ¦Váö[ ÃðD ¨ËkV® ÃVmïVÂï©Ã|þÅm?

ØÄÂÄ[ 27 ‡ ØÄVÝmÂï^ x>Ü| ‡ 65% ïâ¦VB\Vï ¶«· ÃÝ]«ºï¹_ x>Ü|
ØÄFB©Ã¦¼kõ|D.Ö>« 35% ¶«· z¤©¸|D Ãºzï¹_ x>Ü| ØÄFB©Ã¦ ¼kõ|D.
ØÄÂÄ[ 27 ‡ E ‡ Øk¹åV|ï¹_ ÃðD x>Ü| ØÄFB©Ã|km >ç¦ ØÄFB©Ã|þÅm. ‡
¨Í> Ö[·R«[ü ïDØÃM¥D ¼å«½BVï¼kV ¶_ém \çÅxï\Vï¼kV Øk¹åV|ï¹_
x>Ü| ØÄFB x½BVm.
ØÄÂÄ[ 29 ‡ ï¦[ ØïV|©Ãm >ç¦ ØÄFB©Ã|þÅm. ‡ Ã>sl_ Öò©ÃkìïÓÂz
¶kìï^ ïDØÃMl_ çkÝ]òÂzD ÃVoEl[ Ä«õ¦ì ¼k_Rsuz ¼\_ ¼k® ¨Í>
ïV«ðÝ]uïVï¡D ØÄVÝç> ¶¦\VªD ØÃu¼ÅV ¶_ém ØÄVÍ> ÛV*M¼éV ï¦[
ØïV|ÂïÂ í¦Vm?
ØÄÂÄ[ 31 ‡ ¸; ¶ásuz ¶]ï\Vï ÄDÃáD ØÃ®km >ç¦ ØÄFB©Ã|þÅm

‡ Ö[·R«[ü Ø>Vao_ åç¦xçÅl_ Öò©Ãç> s¦ ¼\uÃâ| BVòÂzD ¶]ï\Vï
ÄDÃá¼\V ¶_ém ïtÄ¼ªV ØïV|ÂïÂí¦Vm.
ØÄÂÄ[ 34 ‡ ¸; cBì Ã>sl_ Öò©Ãkìïçá ¼kçéloòÍm ÀÂzD ¶]ïV«D ‡ ÃVoE>V«ì

ï¹[ åé[ïÓÂz ¨]«Vï Îò ç¦«Â¦ì ØÄB_Ã|þÅVì ¨ª Ø>öB kÍ>V_ ¶Í> cBì
Ã>sl_ Öò©Ãkç« Ã>s ÀÂïD ØÄFBéVD.
ØÄÂÄ[ 34 ‡ E; í|>_ ç¦«Â¦ìïçá WBtÂz\ ¶]ïV«D ‡ Ö[·R«[ü Ø>Vaçé
ïâ|©Ã|ÝmD W«kVï ¶ç\©Aï^ ¼>çk ¨[® ïò]ªV_ ÃVoE>V«ìï¹[ åé[ïçá
ÃVmïV©Ã>uïVï í|>_ ç¦«Â¦ìïçá WBtÂïéV\.
ØÄÂÄ[ 40 ‡ ¸; Ö[·R«[ü Ø>Vaçé WìkVïD ØÄFk]_ ØÄé¡ïçá ïâ|ÃÃ|Ým>_

‡ Îò z¤©¸â¦ kò¦Ý]_ z¤©¸â¦ Ø>VçïçB s¦ ¶]ï\Vï ØÄé¡ ØÄFB x½BVm.
ØÄÂÄ[ 52 ‡ ¨ß; \Ý]B ¶«ÄVºïD ¼>çk©Ãâ¦V_ Ö[·R«[ü ïDØÃMïçá ¨|ÝmÂ

ØïV^ÓD ¶]ïV«D
ØÄÂÄ[ 54; >VºïáVï¼k Ö[·R«[ü ïDØÃMçB J|D cöç\ >ç¦ ØÄFBÃÃ|þÅm ‡

ïDØÃMçB \Vu¤ ¶ç\©Ã>uïVï¼kV ¶_ém ¼k® Îò ïDØÃM¥¦[
Öçð©Ã>uïVï¼kV \â|¼\ Îò ïDØÃMçB J¦ x½¥D.
gÂ·öB_ ¼k_RÄ[; ‡ gï·öB_ ¼k_RÄ[ ÎËØkVò kò¦xD x½Í>¡¦[ ÖòÂzD éV

Ã>]_ ¼>çkBVª ¶á¡ öÄìË ÃðD ¨|Ým çkÝ> ¸[ 10% ÃðD \â|¼\
Ãºz>V«ìïÓÂz ½s¦õ¦Vï ØïV|Âï x½¥D. *>x^á ÃðD ¶çªÝmD
ÃVoE>V«ìïÓÂz ¼ÃVªÄVï ïâ¦VBD >« ¼kõ|D.
4
Magnum Investments
x>Üâ¦Váö[ ÃðD ¨ËkV® ÃVmïVÂï©Ã|þÅm?
• Ro© ÃVoEï¹_ x>Ü| ØÄF¥D ØÃV¿m >MBVì ïDØÃMï^

\â|t[¤ ØÃVmÝmçÅ W®kª\Vª ¨_ n E í¦ ¨Ëká¡ éVÃD >òD
¨[® þBV«õ½ íÅ x½BVm
• ¨ª¼k å\m x>Ü| ÃVmïV©ÃVï ÖòÂï ¼kõ|\V ‡ ¶_ém öüÂ
¶]ïD ¨|Ým ¶]ï\Vï éVÃD ÄDÃV]Âï ¼kõ|\V ¨[Ãç> åVD >V[
x½¡ ØÄFB ¼kõ|\
• öüÂ ¶]ïD ¼>çkl_çé ¨ª WçªÝ>V_ ‡ åVD 100% ~zlâ½
Ö_éV\_ ‡ ¼k® Ö«õ| ¶Â«EË z¼«VÝ \u®D
ü¼¦¸^ z¼«VÝ Ãõ|ï¹_ ¸öÝm x>Ü| ØÄFBéVD
• ¶]ï\Vï ÃVmïV©A ¼kõ|Ø\M_ 100% ¶«· ÃÝ]«ºï^ \u®D
½Ã[Äìïçá câØïVõ¦ ‡ ozlâ \u®D ÄVìâ Ø¦D ¸ÂÄâ
ÖõØküâØ\õâ Ãõ|ïçá åVD ¼>ì¡ ØÄFBéVD.
‡ Öku¤_ éVÃD ¨[Ãm tï¡D zçÅkVï¼k ÖòÂzD.
• x¿ ÃVmïV©A ¼kõ|\VªV_ \ïV çé©, \u®D ¨õ¼¦VØ\õâ
ÃVoEïçá ¼>ì¡ ØÄFBéVD.
♦ EÅ©ÃVª \V¼ªëØ\õâ
‡ ¨_éVs>\Vª ÃVoEïçá¥D c^á¦ÂþB>Vï ÖòÂï ¼kõ|\.
• Ãõ|ïçá¥D ÃVoEïçá¥D ¼>ì¡ ØÄFkm å\m sò©Ã¼\.
5
Magnum Investments
Ãºzß ÄÍç>¥D ‡ Ö[·R«[·D

1Ro© (ULIP) ¨[ÅV_ ¨[ª?
RMâ oºÂâ Ö[·R«[ü ©áV[ ¨[Ãm >V[ ¥o© ‡ 6 xÂþB ¶DÄºï^ Ö]_ c^áª
.
1) ¸ZtBD ¨Ëká¡ gõ|ï^ ïâ¦ ¼kõ|D?

o J[® kò¦ºï^ ïâ¦VBD ¸ZtBD ïâ¦ ¼kõ|D.
o ¸[A ¸ZtBD ïâ¦ x½BVsâ¦VKD ÃVoE ïVéVk]BVïVm.
o °ØÛõ½¦D ¸ZtBD s|xçÅ ¼kõ|D ¨[® ï½>D ØïV|Ý>V¼é ¼ÃVm\Vªm.
o x>Ü| EÅ©ÃVï ká« ¼kõ|Ø\M_ 5 ¶_ém 6 kò¦ºï^ ¸ZtBD ïâ¦¼kõ|D..
2) å\m ÃðÝç> ¨©ØÃV¿m ]òDÃ© ØÃÅéVD?

5 ¶_ém 6 kò¦ºï^ x½Í> ¸[ å\m ÃðÝç> ¨©ØÃV¿m ¼kõ|\VªVKD
2 kò¦ ¸ZtBD *>D çkÝm sâ| \uÅçk x¿kç>¥D ]òDÃ ¨|ÝmÂ
ØïV^áéVD (Ö[·R«[ü Ø>V¦ìÍm ØÄB_Ã|k>uïVï) ‡
å\Âz x¿ ÃðxD ¼>çk©Ãâ¦V_ ÃVoEçB x¿km\Vï W®Ý] çkÝm sâ|
x¿ ÃðÝç>¥D ]òDÃ ¨|ÝmÂ ØïV^áéVD.
3) å\Âz ¨Í> ¶á¡ éVÃD þç¦ÂzD? þBV«õ½¥¦[ ØÄV_é x½¥\V?

o >uØÃV¿m Ãºzß ÄÍç>l_ 60% kç« gõ| Î[®Âz éVÃD þç¦Ým kòþÅm.
(¶>Vkm 5 kâ½ þç¦ÂþÅm.)
o 15 ¶_ém 20 kò¦ºï^ x>Ü| ØÄF>V_ tïÂ zçÅÍ>m 20% éVÃD þç¦ÂzD.
o ¶«· ÃÝ]«ºï¹_ x>Ü| ØÄF>V_ ¨Ëká¡ þç¦ÂzD ¨[® þBV«õ½ ØïV|ÂïéVD
o Ãºzß ÄÍç>l_ x>Ü| ØÄF¥D ØÃV¿m ¨Ëká¡ þç¦ÂzD ¨[® þBV«õ½
ØïV|Âï x½BVm. gªV_ Ãºzß ÄÍç>l_ ¶]ï éVÃD þç¦ÂzD ¨[Ãm cõç\.
o å\m ÃðÝç> ¨ºz x>Ü| ØÄFkm ‡ ¶«· ÃÝ]«ºï¹éV, ¶_ém Ãºzß ÄÍç>léV
¨[Ãç> åVD >V[ yì\VMÂï ¼kõ|D.
o ¶]ï öüÂ ¨|Âï sòDÃs_çéØBM_, Ãºzß ÄÍç>lKD, ¶«· ÃÝ]«ºï¹KD
¸öÝm x>Ü| ØÄFBéVD.
o öüÂ zçÅkVï ¨|Ým ¶«· ÃÝ]«ºï¹_ x>Üâç¦ ¶]ïöÝ>V_ ‡ éVÃD zçÅ¥D.
4) ÖÍ> ÃVoE¥¦[ Ö[·R«[ü ¼>ì¡ ØÄFBéV\V?

¨Ëká¡ Ö[·R«[ü ¼>çk ¨[Ãç>¥D åV¼\ yì\VMÂïéVD.
1 éâÄD ¸ZtBÝ]uz 7.5 éâÄD x>_ 60 éâÄD kç« Ö[·R«[ü ¼>ì¡ ØÄFBéVD.
5) kò\Vª kö ÄKçï åVD ïâ|D ¸ZtBÝ]uz cõ|. - þç¦ÂzD éVÃÝ]uz\ cõ|.

o kò\Vª kö ïðÂþ¦ ¸ZtBD x¿kç>¥D kò\VªÝ]oòÍm ïaÝmÂ ØïV^áéVD.
o å\Âz þç¦ÂzD éVÃÝ]uzD kò\Vª kö ÄKçï cõ|.
ÖÍ> ÄKçï ‡ Ö[·R«[E_ ØÄFB©Ã|D x>Ü|ïÓÂz \â|¼\ cõ|

‡ ¼ï©¸¦_ Øïl[ü kö þç¦BVm.
6) 5 s>\Vª Ãõ|ï^ c^áª.

¶) ~zlâ½ g) ¶Â«EË z¼«VÝ Ö) ü¼¦¸^ z¼«VÝ
~) Ö[ïD Ãõâ c) ÄVìâ Ø¦D ¸ÂÄâ Ö[ïD Ãõâ
6
Magnum Investments
¸ZtBD
Ã]_ ‡ 1:
¸ZtBD ¨[Ãm Ö©ØÃV¿m Øk®D Ö[·R«[·ÂïVï \â|D ïâ¦©Ã|km ¶_é.
¸ZtBD 7 k½kºïçá ¨|ÂþÅm. ¶>Vkm 7 ïV«ðºïÓÂïVï åVD ¶ç> ¼>ì¡ ØÄFþ¼
ÅVD.
1. (E® ¼Ät©A) ¶kÄ«, \u®D ¶kÄ« \òÝmk ØÄé¡ïÓÂïVï;
2. zwÍç>ïÓÂïVª Ã½©AÂïVï ]â¦t|>_;
3. öç¦BìØ\õâ|ÂïVï ]â¦t|>_;
4. ØÄVÝm còkVÂz>_;
5. Ö[·R«[ü.
6. ØÇ_Ý Ö[·R«[ü;
7. kò\Vª kö ¼Ät©AïÓÂïVï;
Îò ¼ï^s ‡ cºïÓÂz Ö«õ| T|ï^ ÖòÂþ[Åª. zwÍç> ¨D ¸ ° Ã½Âï 10 éâÄD ¼>çk.
c¦¼ª Îò Tâç¦ su® Ã½Âï çk©¬ìïáV. ‡ ïâ¦VB\Vï Ö_çé,
\VÅVï åD\V_ ¨ºz Ã½Âï çkÂï x½¥¼\V.¶ºz Ã½Âï çk©¼ÃVD ¶©Ã½Ý>V¼ª?
cºï^ zwÍç>Âz 10 éâÄD ØÄékaÝm tïßEÅÍ> Ã½©çÃ ØïV|Ý>V_ ‡ 10 T|ïçá kVºþ
s|kVìï^. cºïÓç¦B Ö«õ¦Vkm T| ¶kìïÓÂz ¼>çkl_çé.
åVD ¨©ØÃV¿m¼\ å\m ¶kÄ« ¼>çkïçá \â|¼\ ïðÂþ_ ¨|ÝmÂ ØïV^þ¼ÅVD.
zwÍç>ïÓÂïVª Ã½©A ØÄé¡ïçá åVD ¼ÄìÝm çkÂzD Ö>« ØÄVÝmÂïáVª T|, ©áVâ,
åçïï^, kºþß ¼Ät©A, gþBçk ÃB[ Ã|D ¨ª WçªÂþ¼ÅVD.‡ cõç\l_ ÃB[Ã¦Vm.
¼\KD å\m sBVÃV«Ý]_ þç¦ÂzD éVÃD, å\Âz ¨]ìïVéÝ]_ þç¦ÂzD ÄDÃá cBì¡ï^
Öçkï^ ~|ïâ½ s|D ¨ª WçªÂþ¼ÅVD.
sBVÃV«Ý]_ ÖòÂzD °uÅ ÖÅÂïºï^, ¼kçéï¹_ ÖòÂzD ü]«\uÅ >[ç\ Öçkïçá

åVD ïðÂþ_ ¨|ÝmÂ ØïV^k]_çé.
¨_éVkuçÅ¥D s¦ xÂþB\Vï å\Âz °>Vkm Î[® å¦Ím sâ¦V_ å\m zwÍç>ïçá

BVì Ã½Âïçk©ÃVìï^? ]â¦t¦V\_ Öò©Ã¼> Îò kçïBVª öüÂ ¶_ékV?
¶©Ã½BVªV_ ]â¦t|>_ ¨[ÅV_ ¨[ª?

]â¦t|>_ ¨[Ãm åVD W«Í>«\Vï (DEAD) ØÄVÝm ¼ÄtÝm çk©Ãm ¶_é.
¨]ìïVé ØÄé¡ïÓÂïVï Ö[¼Å ]â¦tâ| ¼ÄtÝm çk©Ãm >V[ ]â¦t|>_.
Ö>uz x>o_ xÂþB\Vï ¼>çk©Ã|km ‡ å\m éâEBD ¨[ª ¨[Ãç> yì\VM©Ãm >V[.
¶çªkòÂzD ØÃVmkVª éâEBD Ö[® å\m zwÍç>ïçá Ã½Âï çk©Ãm >V[.
¨ª¼k ‡ ¸ZtBD ïðÂþ|k>uz Îò ¨¹ç\BVª ka:

cºï^ zwÍç>Âz 10 kBm gþÅm. Ö[ÐD 8 kò¦Ý]uz^ 10 éâÄD Ã½©¸uïVï ¼>çk
‡ åVD ïâ|D ÃðD Ö«õ| \¦ºïVï káìÍ>V_‡ 8 kò¦ºïÓÂz^ 5 éâÄD ïâ¦ ¼kõ|D
‡ ¶>Vkm kò¦D Î[®Âz 65,000 ‡ Ø>V¦ìÍm 8 kò¦ºï^ ïâ¦ ¼kõ|D.
Öm >V[ Àºï^ Ã½©A ØÄésuïVï ¼ÄtÂï ¼kõ½B -

Àºï^ ïâ¦ ¼kõ½B ‡ cºï^ ¸ZtBD. (Îò zwÍç>ÂïVï \â|D)
¾ Îò ¼ï^s: cºï^ zwÍç>ï^ káòD ØÃV¿m Ã½©A ØÄé¡ 10 éâÄD \â|¼\ gz\V?.
¾ 1975D kò¦ºï¹_ Ö[÷MBöº, \òÝmk Ã½©AïÓÂz 5 kò¦ Ã½©¸uz ÇVü¦_
ØÄé¡ï^, AÝ>ïD \Å®D ¬ü ¼ÄìÍm 5000 \â|¼\ (5 kò¦ºïÓïz) ØÄékVªm.
¾ Ö[® 5 x>_ 10 éâÄD kç« ØÄékVþ[Åª. ‡ åVçá?
7
Magnum Investments
ÖM kòD ïVéºï¹_ ¨Ëká¡ ØÄékVzD? Ö¼>V Îò ÃVìçk:

cºï^ zwÍç>l[ cBì ï_sÂïVª ]â¦tâ| sâÏìïáV?
• Ã^¹© Ã½©çÃ x½Ý> ¸[ cºï^ zwÍç> nn½, nn¨D, å_é \òÝmk ï_Köl_ Ã½Âï ¼kõ
|D ¨M_, Ö_çé Øk¹ åVâ½uz ØÄ[® Ã½Âï ¼kõ|Ø\M_, ¨Ëká¡ ØÄékVzD?
• Ö[® å|Ý>«\Vª RMkìEâ½l_ Ã½©Ã>u¼ï 10 éâÄD kç« ØÄékVþÅm.
• tïß EÅÍ> Äìk¼>Ä >«D kVFÍ> RMkìEâ½l_ Ã½Âï ¼kõ|Ø\M_ 45 éâÄD ØÄékVþÅm.
Ö¼>V cºï^ ÃVìçkÂz 5% Ãð TÂïÝç> ïðÂþ_ ¨|ÝmÂ ØïVõ| ïðÂþâ½òÂþ¼ÅVD.
Ã½©A Ö[® 10 kò¦Ý]uz^ 15 kò¦D 20 kò¦D
2 kò¦ PGDM (IIM) n n ¨D t_ 3 lakh 5 lakh 6 lakh 8 lakh
4 – kò¦ Ö[÷MBöº 6 lakh 10 lakh 12 lakh 16 lakh
5 – kò¦ \òÝmk Ã½©A 10 lakh 15 lakh 21 lakh 27 lakh
2 – kò¦ ¨D ¸ ° (Äìk¼>Ä Ã½©A) 45 lakh 73 lakh 94 lakh 1.2 Crores
2 – kò¦ \òÝmkD (Äìk¼>Ä Ã½©A 68 lakh 1.1 crore 1.4 crore 1.8 crore
¶kÄ« \òÝmk ¼Äçïï^ 5 lakh 8 lakh 10 lakh 13 lakh
Îò zwÍç>ïl[ ]ò\ðD 10 lakh 16 lakh 21 lakh 27 lakh
cBìÍm kòD cBì ï_s ØÄé¡ï^

W®kªD 1994 D 2004 Ãð TÂïD. 2024 gõ½_ Rs
gõ½_ Rs. gõ½_ Rs
n n ¨\ ‡ ° 35,000 1,50,000 27% 4,05,000
éõ¦[ üí_ g© ¨ïªVtÂü 2,75,0000 11,00,000 25% 27,50,000
ÇVìkìâ ¸Eªü üí_ 5,00,000 16,00,000 20% 32,00,000
öç¦BìØ\õ|ÂïVï ]â¦t|>_ åVD kV¿D kVμÂçïçB ØïVÞÄD ÃVòºï¼áª!!!
¾ åV| káìþÅm, ‡ åVâ½[ ØÃVòáV>V«D káìþÅm,
¾ å\m åV| k_é«· åV| gï©¼ÃVþÅm ¨[® ¼ÃEÂ ØïV^þÅVìï^.
¾ å\m zwÍç>ï^ kVºzD ÄDÃáD káìþÅm.
ÖçkïÓ¦[ Ö[ÐD Îò Eé sÄBºïÓD káìþ[Åª.
• Ãð TÂïD; å\m ¼Ät©AÂz zçÅÍ> kâ½;
• ¶]ï\Vª kVμÂçïß ØÄé¡ï^; ¼kçél_, sBVÃV«Ý]_ ü]«Ý>[ç\;
• \òÝmk ØÄé¡ï¹[ ¶y> káìßE; ‡ ¶]ï åVâï^ åVD clì kVμkm;
¾ 2010 D gõ½_ céþ¼é¼B tï ¶]ï\Vª ÖÍ]Bìï^ Öò>B ¶®çk EþßçÄ ¼\uØïV^kVìï^.
¾ 12_ Îò ÖÍ]Bì ïV[Ä«V_ ÃV]Âï©Ã|kVìï^.
¾ 28 ‡ 55 kBm c^á 3_ 1 ÖÍ]Bì 5 kò¦Ý]uz Îò xçÅ ¼åVFkVF© Ã|kVìï^.
• ÖÍ]B[ ¨Âü¸«ü 30 åkDÃì 2002
⊗ E¤m ïVéÝ]uz x[ íâ|Â z|DÃD, ÖòÍ>m. Ö[® >MÂz|DÃD >V[ ØÃVòÝ>\Vï ÖòÂþÅm.
⊗ Ö[® kB>Vª ØÃu¼ÅVìï¹[ ¼>çk ÖòÂþÅm, åVçá ¨©Ã½ ÖòÂz¼\V ! . . . . ?
⊗ åVçáB céþ_ åVD >MBVï å\m ØÄVÍ>Â ïVo_ WuÃm >V¼ª ØÃVòÝ>\Vï ÖòÂzD.
⊗ åVD Ö[·R«[çÄ å\m z|DÃÝ]uz E«\D °uÃ¦Âí¦Vm ¨[Ã>uïVï ¨|Âþ¼ÅVD.
⊗ gªV_ å\Âz Î[®¼\ å¦Âïs_çé ‡ åVD Àõ¦ åVâï^ clì kVμÍ>V_ ¨[ª ØÄFkm?
⊗ öç¦BìØ\õ½uz ÃðD ¨Ëká¡ ¼>çk? ‡ åVD ¨©ØÃV¿m g«D¸ïï©¼ÃVþ¼ÅVD
å\m öç¦BìØ\[â ïVéºï¹_ ¨[ª ØÄékVzD ‡ ÖÍ]B ØÃVòáV>V«Ý]_ ÃðTÂïD
ØÃVò^ 1984 _ Rs. 2004 _ Rs Ãð TÂïD 2024 _ ¨]ìÃVì©Ãm Rs
å_é Äâç¦ 75 800 13.37% 9,846
kç¦ 0.25 4 14.86% 64
ïVì 35,000 2,40,000 10.10% 16,45,714
ÃVì ¼ÄV© 1.50 6.50 11.40% 56
8
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zwÍç>ï^ Ã½©A ØÄé¡ïÓÂïVï ]â¦t|>KD

öç¦BìØ\õâ ‡ ØÃ[Ä[ ©áV[ïÓD
sç«s_ mkºï ¼kõ|D °[?
¶|Ý> ÃÂïÝ]_ kò¦D Î[®Âz ìÃVF 100 T>D ¼ÄtÝ>V_ 60 kB]_ ¨Ëká¡
þç¦ÂzD? ¨[þÅ >çé©¸_ Îò ÄVìâ ØïV|Âï©Ãâ|^ám. ‡ ¶]_ 18 kBm x>_
ïðÂþ¦©Ãâ½òÂþÅm.
ÎËØkV® 5 kò¦ºï^ >V\]Ý>V_ cºïÓÂz 60 km kB]_ þç¦ÂzD Ø>Vçï ¨Ëká¡
zçÅþÅm ¨[Ãç> ÃVòºï^ ‡ kò¦D 100 ìÃVF \â|¼
‡ ¶©Ã½BVªV_ 1000 ¶_ém 10000 ¼ÄtÂzD ØÃV¿m cºïç¦¼B öç¦BìØ\õâ ÃðD
¨Ëká¡ zçÅ¥D ‡ ïðÂþâ|ÂØïV^km cºïÓç¦B ¼kçé.
¶>uz ¶|Ý> ÃÂïÝ]_ ÃâØÛâ JéD ¼ïVÏük«ì gï x½¥\V ¨[þÅ >çé©¸_
‡ x>Üâç¦ ïVéÝ¼> mkºz>_ ‡ ¨[þÅ ÃV«Vs_ 30 kB]_ ØÃ[Ä[ ©áV[ mkÂzk>uzD ‡
35 kB]_ ØÃ[Ä[ ©áV[ mkÂzk>uzD ¨[ª sÝ]BVÄD ¨[® ØïV|Âï©Ãâ|^ám.
Öå> Ö«õ| sÄBºïÓ¼\ cºï^ x½çk \Vu®D ¨[Ã>_é ‡ cºïçá ï|ç\BVï ÃV]ÂzD.
¼\KD SIP – O – Meter ¨[þÅ Î[®\ cºï^ ïðÂÿ|ïÓÂïVï ØïV|Âï©Ãâ|^ám.
• 22 kB]_ Ö[çÅB ÖçáQìï^ gõ| Î[®Âz zçÅÍ>m 3 éâÄD ÄDÃáD kVºzþÅVìï^.

• ¶kìï¹¦D öç¦BìØ\õâ½uïVï ¼ÄtÂïÝ mkºþ sâÏìïáV; zwÍç>ïÓÂïVï ¼ÄtÂïÝ
mkºþ sâÏìïáV ¨[® ¼ïâ¦V_ ¨[ª ØÄV_kVìï^ !?
• Eö©ÃVìï^ ¨[þSìïáV! . ? Ö_çé. ÖçáQìïÓÂz ¼Ät©¸[ ¶kEBD å[ÅVï¼k Ø>öþÅ
¶©Ã½ Ö_çéØB[ÅVKD kò\Vª kö ¼Ät©¸uïVï ¶kìï^ ¼ÄtÂïÝ mkºþ s|þÅVìï^.
• öç¦BìØ\õâ ¨[Ãm °¼>V Ø>Vçé #«Ým WïμßE ¨[® ÃVìÂïV\_ ‡ Ö[¤oòÍm
mkºþªV_ ¨[ª éVÃD, ïVéD >VμÝ]ªV_ ¨[ª åi¦D ¨[Ãç>¥D ÃVìÂï ¼kõ|D.
å|Ý>« kB]ªòD, sBVÃVöïÓD >V[ Ö>[ x¿Ý>[ç\çB Ö[ÐD cð«s_çé.

Ö[çÅB öüÂï¹_ Î[®‡ z|DÃÝ >çékö[ Öw©A ‡ \uØÅV[® ‡ Àõ¦ åV^ clì kVμkm
ÖÍ]B åVâ½[ 90% \Âï^ >ºïám kB>Vª ïVéÝ]uïVª ÃVmïV©A Ö_éV\_ ÖòÂþÅVìï^.
¸«Vs¦õâ Ãõâ, þ«Vhlâ½, gþBçkï¹_3 ¼ïV½ ¼Ãì \â|¼\ ÖçðÍ]òÂþÅVìï^.
1950D kò¦ºï¹_ Ä«VÄö ÖÍ]Bö[ kBm 50 ‡ ¶m 2000_ ¶m 65 gï cBìÍ]òÂþÅm.
ÖÍ]Bìï^ zçÅÍ>m 75 kBm kç« kVμkVìï^ ¨[Ãm gF¡
¨D©áVXü ¸«Vs¦õâ Ãõâ kâ½ sþ>D 12% ÖoòÍm 8% zçÅÍm^ám.
Source: The Project Oasis Report
♦ å_é ØÃ[Äª«Vï Àºï^ ÖòÂï ¼kõ|Ø\M_ Ö[¼Å mkºzºï^.
♦ Ö_çé ¨M_ ‡ Àºï^ cºï^ zwÍç>ïçáÝ >V[ åD¸ ÖòÂï ¼kõ|D.
♦ ‡ ¶kìïçá E«\©Ã|Ý> ¼kõ|D. ‡ Àºï^ 70 kBm kç« kV¿k>uïVï ]â¦tâ|. ‡ 80 kBm
kç« kVμÍm sâ¦V_ ¨[ª ØÄFTìï^
♦ ¶m \â|\_é, ÃðTÂïD; \òÝmk ØÄé¡ï^ ¶]ïöÝ>_; kâ½ sþ>D zçÅ>_
♦ cºï^ ïVéÝ]¼é¼B ‡ cºï^ mçðsBVòÂz >zÍ> \òÝmk kÄ]çB °uÃ|Ý]Â ØïV|Âï
x½Bs_çéØBM_ ‡ cºï^ \ªD ¨]ìïVéÝ]_ ¨Ëká¡ ÃV|Ã|D.
• Öm cºï^ ¼å«D ‡ Öm cºï^ ïVéD ‡ Ö[¼Å ]â¦t|ºï^.

• ØÃ[Ä[ ©áV[ xÂþB\Vª sÄBD ‡ ïkMÂï©Ã|k]_çé.
• ØÃ[Ä[ ©áV[ æÂþ«¼\ mkºï©Ã¦ ¼kõ½B Î[® ‡ >V\>©Ã|Ý>©Ã|þÅm
Ö[® å\Âz 4 s>\Vª ÃVoEïçá ¨|©Ãm ¼>çkBVþÅm.
1. å\m ¶kÄ« ¼>çkïÓÂïVï; 2. å\m zwÍç>ï¹[ Ã½©Aß ØÄé¡ïÓÂïVï;
3. å\m öç¦BìØ\õâ½uïVï; 4. ØÄVÝm còkVÂz>_;
9
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æÂþ«D mkºzk>[ Ãé[ï^

60 kB]_ \V>D Î[®Âz 50,000 òÃVF þç¦Âï ¼kõ|Ø\M_ ÿ¼w ØïV|Ým^á
J[® åÃìï^ ‡ 30, 40, 50 kBm^ákìï^ ¼ÄtÂï ¼kõ½B Ø>Vçï ‡
♦ 30 kBmáákì 30 kò¦ºï^ ‡ 11,438 òÃVF ¼ÄtÝ>V_ ¼ÃVm\Vªm.
♦ 40 kBm^ákì 20 kò¦ºï^ ‡ 22,982 òÃVF ¼ÄtÂï ¼kõ|D.
♦ 50 kBm^ákì 10 kò¦ºï^ ‡ 60,418 òÃVF ¼ÄtÂï ¼kõ|\.
30 kBm 40 kBm 50 kBm
A - 60,418 B - 22,982 C - 11,438

70,000
60,000
50,000
40,000
A - AGE 50
30,000 B - AGE 40
20,000 C - AGE 30
10,000
0
A - 10 B - 20 C - 30
YEARS YEARS YEARS
60 kB]_ Àºï^ WD\]BVï ÖòÂïéVD
10
Magnum Investments
Àºï^ ÃðÝ]uïVï ¼kçé ÃVìÝ>m ¼ÃVmD !

ØïVÞÄ ïVéÝ]uz ÃðÝç> cºïÓÂïVï ¼kçé ÃVìÂï s|ºï^.
ØÄVÝm còkVÂz>_ ¨[Ãm cºïÓÂz A]B sÄB\Vï ÖòÂïéVD,
Àõ¦ ïVé\Vï¼k ¼−ìï¹_, DRß·k_ Ãõ|ï¹_, Ö[·R«[ü ïDØÃMï¹_
x>Ü| ØÄFm ØÃòD ØÄVÝç> ÃéòD còkVÂþ kòþÅVìï^.
zwÍç>ïÓÂïVï ]â¦t|>_, öç¦BìØ\õ½uïVï ØÃ[Ä[ ©áV[ï¹_
x>Ü| ØÄF>_ ‡ ÖçkïÓÂz ¶|Ým xÂþBÝmkD ØÃ®km ‡ ØÄVÝm còkVÂzk>_
Ö«õ| sÄBºïçá ØÄV[ªV_ Àºï^ Öç> x¿ç\BVï AöÍm ØïV^Tìï^.

1. Ö[® céïÝ]_ tï© ØÃöB ÃðÂïV«ìïçá© Ãu¤ ïðÂþ|km, ¶kìïÓÂz ÖòÂzD
(öB_) cõç\BVª ØÄVÝm \]©çÃ çkÝm \â|D ¶_é. ¶kìïám ØÄVÍ>
ïDØÃMlKD, Ö>« ïDØÃMï¹_ ÖòÂzD ¼−ìï¹[ \]©çÃ¥D ¼ÄìÝmÝ >V[
ïðÂþ|þÅVìï^. öçéB[ü ¶DÃVM, ÖòDA \M>ì tâ¦_, Ö[¼ÃVEü å««VBð
JìÝ] ‡ Ökìï^ ¶çªkòD ÖËkV® >V[ x>_ Ö¦Ý]uz kÍ]òÂþÅVìï^.
2. 1993D kò¦D Ö[¼ÃVEü Ãºzï^ x>[ xçÅBVï ØÃVm \ÂïÓÂz ØïV|Âï©Ãâ¦m.
¶Í> ¼å«Ý]_ ìÃVF 10,000 \â|D x>Ü| ØÄF]òÍ>V_, Ö[® ¶>[ \]©A 1.3 ¼ïV½
ÖÝ>çïB ØÄVÝç> ¼k® ¨]KD còkVÂï x½¥D ¨[® WçªïþSìïáV ! . . . .?
¨ª¼k >V[ Ö[® Ö[·R«[ü ïDØÃMï¹_ x>Ü| ØÄFkm å\Âz g¥^ ÃVmïV©¬âç¦
\â|D ØïV|©Ã]_çé, ¶Ým¦[ ØÄVÝç> còkVÂï ÃB[Ã|D Îò ïòsBVï¡D ÃB[Ã|þÅm
¸ZtBD 7 ïV«ðºïÓÂïVï ïâ¦©Ã|þÅm ¨[® ØÄV[¼ªVD ¶_ékV?

x>_ 4 ïV«ðºïÓÂïVï åVD ¼ÄtÂzD ØÃV¿¼> ¶|Ý> 2 ïV«ðºïÓÂïVï¡D ¼ÄtÂïÝ mkºþ
s|þ¼ÅVD. ¶>Vkm ‡ Ö[·R«[ü \u®D kò\Vª kö ¼Ät©AïÓÂïVï ‡
Ö]_ kò\Vª kö ¼Ät©AïÓÂïVª cºïám ¼>çk ¨¹]_ x¿ç\BVþ s|D.
gªV_ ‡ Ö[·R«[E[ ¼>çk x¿ç\BVz\V ¨[Ãm ÄÍ¼>ï¼\ ‡ °[?
Ö[® 1 ¼ïV½Âz Ö[·R«[ü ¨|©Ãm ÄV>V«ð sÄB\Vþ sâ¦ ïVéD.
¶©Ã½BVªV_ åVD ¨Ëká¡ Ö[·R«[ü ¨|Âï ¼kõ|D?

¶|Ým kòD ÃÂïºï¹_ ¨Ëká¡ Ö[·R«[ü ¨|Âï ¼kõ|D ¨[þÅ ïðÂçï Îò
sBVÃVöÂïVª \V¦çé¥D, ÄDÃáD kVºzÃkòÂïVª \V¦çé¥D ØïV|Ým^¼áVD.
Îòkì ¨©ØÃV¿m ÖòÍm ¼ÄtÂï g«D¸Âï ¼kõ|D?

]ò\ðÝ]uz x[A >V[ tï¡D ¶]ï\Vï ¼ÄtÂï x½¥D.
ÎËØkVòkòÂzD ØÃVòÍmD kçïl_ °>Vkm ]â¦t|D xçÅï^ ÖòÂþ[ÅªkV?

ØÃVmkVª ]â¦t|>_ ¨[® Ö_çé ‡ zçÅÍ>m cºï^ Ø\VÝ> kò\VªÝ]oòÍm
10 \¦ºz Ö[·R«[ü ¨|Âï ¼kõ|D ¨[Ãm \â|¼\ ØÃVmkVª sÄBD
¶_ém cºïÓç¦B kò\VªÝ]oòÍm ¶]ïÃâÄ\Vï 30% Ø>VçïçB ¸ZtB\Vï ïâ¦éVD.
ÃâØÛâ½º JéD ¼ïVÏük«ì gï x½¥\V?

gD ! ÃâØÛâ½º JéD \â|¼\ ¼ïVÏük«ì gï x½¥D
tï ¶]ï\Vï ÄDÃV]©Ã>[ JéD, ¶_é.
11
Magnum Investments
kò¦D Î[®Âz 100 T>D ¼ÄtÝ>V_ 60 kB]_ ¨Ëká¡ þç¦ÂzD?

Ã_¼k® kâ½ sþ>ºï¹_
kBm 3% 6% 10% 12% 15% 20%
kBm 59 103 106 110 112 115 120
kBm 58 209 215 231 237 247 264
kBm 57 318 328 364 378 399 437
kBm 56 431 443 511 535 574 644
kBm 55 547 563 672 712 775 893
kBm 54 666 686 849 909 1007 1192
kBm 53 789 812 1044 1130 1273 1550
kBm 52 916 943 1258 1378 1579 1980
kBm 51 1046 1077 1494 1655 1930 2496
kBm 50 1181 1215 1753 1965 2335 3115
kBm 49 1319 1358 2038 2313 2800 3858
kBm 48 1462 1504 2352 2703 3335 4750
kBm 47 1609 1655 2697 3139 3950 5820
kBm 46 1760 1811 3077 3628 4658 7104
kBm 45 1916 1971 3495 4175 5472 8644
kBm 44 2076 2137 3954 4788 6408 10493
kBm 43 2241 2307 4460 5475 7484 12712
kBm 42 2412 2482 5016 6244 8721 15374
kBm 41 2587 2662 5627 7105 10144 18569
kBm 40 2768 2848 6300 8070 11781 22403
kBm 39 2954 3040 7040 9150 13663 27003
kBm 38 3145 3237 7854 10360 15828 32524
kBm 37 3343 3440 8750 11716 18317 39148
kBm 36 3546 3649 9735 13233 21179 47098
kBm 35 3755 3865 10818 14933 24471 56638
kBm 34 3971 4087 12010 16837 28257 68085
kBm 33 4193 4315 13321 18970 32610 81822
kBm 32 4422 4551 14763 21358 37617 98307
kBm 31 4658 4793 16349 24033 43375 118088
kBm 30 4900 5043 18094 27029 49996 141826
kBm 29 5150 5300 20014 30385 57610 170311
kBm 28 5408 5565 22125 34143 66367 204493
kBm 27 5673 5838 24448 38352 76437 245512
kBm 26 5946 6119 27002 43066 88017 294734
kBm 25 6228 6409 29813 48346 101335 353801
kBm 24 6517 6707 32904 54260 116650 424681
kBm 23 6816 7014 36304 60883 134262 509737
kBm 22 7123 7331 40045 68301 154517 611805
kBm 21 7440 7657 44159 76609 177809 734286
kBm 20 7766 7993 48685 85914 204595 881263
kBm 19 8102 8338 53664 96336 235400 1057636
kBm 18 8448 8694 59140 108008 270825 1269283
12
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The smart way to simplify your Investments

DISCLAIMER:
Öºz ØïV|ïï©Ãâ½©Ãçk ïè> Z]BVª c>V«ðºï^ \â|¼\. ÖËkV® å¦Í>Vé ¨Ëká¡ þç¦ÂzD
¨[® ØÄV_éÂí½B ïè> Z]BVª ïðÂzï¼á ÖÍ> ¨ü n ¸ ‡ { ‡ *â¦ì.
åVºï^ ¨Í> ïDØÃMlKD, ¨Í> Ãõ|ï¹KD ÖÝ>çïB káìßE sþ>D ÖòÂzD ¨[® íÅs_çé.
• n gì ½ ° ka ïVâ|>o[ Ã½ ¨ºï^ ïDØÃM ¶âçkÄìï^ 6% \Í®D 10% ÂzöB káìßEçB

ØïV|©ÃVìï^.Öºz ØïV|Âï©Ãâ|^á káìßE sþ>ºï^ ØÃVmkVª ïè©AïÓÂïVï \â|¼\,
• åVºï^ ¨Í> ïDØÃMlKD ÖÍ> káìßE c®]BVï þç¦ÂzD ¨[¼ÅV, ¶_ém ¶]ï öüÂ kVFÍ>
\VìÂØïâ ÖçðÍ> Ãõ|ï¹_ ¼Äòºï^ ¨[¼ÅV íÅs_çé.
• ï¦Í> ïVéÝ]_ Îò ïDØÃMl_ ÖòÂzD káìßE ¨]ìïVéÝ]KD ¶Í> káìßE ÖòÂzD ¨[®
í®k>uïVª þBV«õ½BVï ¨|ÝmÂ ØïV^á x½BVm.
• \VìÂØïâ Ãõ|ï¹_ x>Ü| ØÄF¥D ØÃV¿m ¶>ªV_ °uÃ|D öüï x¿ kç>¥D
x>Üâ¦Vá¼« °u®ÂØïV^þÅVì.
Ö[ØküâØ\[¦ ©áVMº ‡ ¶½©Ãç¦ï^
¨©ØÃV¿m ¨Ëká¡ ¼kõ|D ¨[Ãm Ø>öBV\_ åVD ]â¦x½BVm. ¼>çk ¨[ª ¨[Ãç> Wìðl©Ã¼> x>_
¼kçé.
ÃéòD ]â¦t¦V\¼é¼B ¼ÄtÃÃ>V_, ¼Ät©A zçÅkVþ s|þÅm.
¨Ëká¡ ¼kõ|D ¨[® Ø>öÍ>V_ >V[ ÄöBVª x>Üâç¦ ¼>ìÍØ>|Âï x½¥D
ÿ¼w c^á ¶â¦kçðl_ «¼\i öüÂ ¶]ï\Vª ¼−ì \VìÂØïâç¦ ¼>ìÍØ>|Âï ¼kõ½B]_çé
gªV_ ·¼«i ïâ¦VB\Vï ¼−ì \VìÂØïâ ‡ ¶>Vkm Ro© ÃVoEïçá ¼>ìÍØ>|Âï ¼kõ|D.
]â¦t¦s_çéØBM_ ÖòkòD \Vu¤ x>Ü| ØÄF¥D kVF©A ÖòÂþÅm.
·¼«·Âz Ro© ÃVoEï^ ¸½ÂïV\_ kºþ ¼Ät©çÃ åD¸ ÖòÍ>V_ WçªÝ> ÃðD þç¦ÂïVm.
¨ºz ØÄ_é ¼kõ|D ¨[Ãm Ø>öBV\_ ¸«BVðD ØÄFB x½¥\V ! . . . ?
¨ªÂz WçÅB éVÃD ¼kõ|D ¨[® í®kç> s¦ X%
¼kõ|D ¨[® í®km ¼\_ ¶_ékV ! . . . ?
·¼«i «¼\i
¼>çk Rs. 10 Lakhs Rs. 10 Lakhs
kò¦VÍ]« ¼ÄtÃA Rs. 12,000 Rs. 20,000
ïVé ¶kïVÄD 20 kò¦ºï^ 25 kò¦ºï^
¼>çkBVª kâ½ sþ>D
13.71 % 4.98%
13
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\V>D 5,000 x>Ü| ØÄF>Vé cºï^ ÃðD ¨ËkV® káìþÅm ¨[Ãç> ÃVòºï^
Ö[® xçÅBVï \V>V \V>\ ¼Ät©Ãm Îò ¼>çkBVª kÞQVªD gþ

s¦¦m. Öª·R«[ü cºïçá ïâ¦VB\Vï ¼ÄtÂï çk>m
côï^ kVμïçïçB ká\VÂzþÅm.
] Ãkì g© ïVDÃ¡õ½º
cºïá x>Ü| Àõ¦ åVâï^ ÖòÍ>V_, Ãkìg© ïVDÃ¡õ½º JéD ¶]ï\Vª káìßEçB ØÃ®D.
‡ ¨ª¼k >V[ æÂþ«\Vï¼k cºï^ x>Üâç¦Ý mkÂzºïá ¨[® í®þ¼ÅVD.
]ò ·¼«i \¼ªVë s¦ zçÅkVï ÃV]Bá¼k ¼ÄtÂþÅVì. ¶kòÂz Ãð\ Ö«â½©ÃVï þç¦Âþm.
Ö>uz Î¼« ïV«ðD ¶kì æÂþ«\Vï mkºþBm Î[¼Å >V[ ‡12% íâ| kâ½ ïðÂþ¦© Ãâ½òÂþÅm
·¼«i \¼ªVë
x>Üâ|Ý Ø>Vçï Rs. 5,000 Rs. 10,000
x>Üâ|Â ïVéD 20 kò¦ºï^ 10 kò¦ºï^
Ö®]BVï þç¦ÂzD ÃðD Rs. 45,99,287 Rs. 22,40,360
ÃðD Ö®]Â ïVéºï¹_ ¼kï\Vï káìßE ¶ç¦þÅm. ¨ª¼k ÃðD ká« ïVé ¶kïVÄD ¼>çk.
14
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] Ãkì g© ïVDÃ¡õ½º Îì c>V«ðD

Ãkì g© ïVDÃ¡õ½º Ö[·R«[ü ÃVoE c>V«ðºï¹_ tï EÅ©ÃVï Øk¹©Ã|þÅm.
3,60,000 x>Ü| ‡ 10% kâ½ ‡ ¨_éVs>\Vª ØÄé¡ïÓD ïðÂþ_ ¨|ÝmÂ ØïV^á©Ãâ½òÂþÅm
kò¦ºï^ Ö®]BVï þç¦Âz\ ÃðD \V> ¸ZtBD g¥^ ÃVmïV©¬|
10 kò¦ ÃVoE 5,14,,357 3,000 5,40,000
15 kò¦ ÃVoE 6,55,446 2,000 3,60,000
20 kò¦ ÃVoE 8,24,166 1,500 4,05,000
30 kò¦ ÃVoE 13,74,934 1,000 3,60,000
Ö®]BVï 50 éâÄºï^ þç¦Âï åVD ÎkØkV® \V>xD ¨Ëká¡ ¼ÄtÂï ¼kõ|D?
Ö[·R«[Ä[¼ ¼>çk kVμïçïlª Îò xçÅ x½¡ ¨|Âï©Ã|km

¶_é. kVμÂçïlé °uÃ|D \V®>_ïÓÂ¼ïuÃ Ö[·R«ªE[
¼>çk \>]©¸¦ÃÃ¦ ¼kõ|D.
kVμÂçï þöÂØïâ ¼ÃV[Åm; ‡ cºï^ gâ¦Ýç> ÄöBVï ]â¦t|ºï^

Àºïá ¨|Ým çkÂzD ÎËØkVò ¶½¥D cºïçá cºï^ ¨]ìïVéÝm¦[ ÖçðÂþÅm..
‡ kò\Vª kö¥¦[ cºï^ kVμÂçï x½Bséçé. ‡ ¨]ìïVéÝ]uïVï ]â¦t|ºï^.
x>Üâç¦© Ãu¤ WçªÂzD ¼ÃVØ>_éVD ‡ \VÂªD ÖªØkv¦Ø\ðâç¦ Wçª¥ºïá.
15
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DISCLAIMER:
Öºz ØïV|ïï©Ãâ½©Ãçk ïè> Z]BVª c>V«ðºï^ \â|¼\. ÖËkV® å¦Í>Vé ¨Ëká¡
þç¦ÂzD ¨[® ØÄV_éÂí½B ïè> Z]BVª ïðÂzï¼á ÖÍ> ¨ü n ¸ ‡ { ‡ *â¦ì.
åVºï^ ¨Í> ïDØÃMlKD, ¨Ý>çïB Ãõ|ï¹KD ÖÝ>çïB káìßE ÖòÂzD ¨[® íÅs_çé.
• n gì ½ ° ka ïVâ|>o[ Ã½ ¨ºï^ ïDØÃM ¶âçkÄìï^ 6% \Í®D 10% ÂzöB káìßEçB

ØïV|©ÃVìï^.Öºz ØïV|Âï©Ãâ½òÂzD káìßE sþ>ºï^ ØÃVmkVª ïè©AïÓÂïVï \â|¼\,
• åVºï^ ¨Í> ïDØÃMlKD ÖÍ> káìßE c®]BVï þç¦ÂzD ¨[¼ÅV, ¶_ém ¶]ï öüÂ kVFÍ>
\VìÂØïâ ÖçðÍ> Ãõ|ï¹_ ¼Äòºï^ ¨[¼ÅV íÅs_çé.
• ï¦Í> ïVéÝ]_ Îò ïDØÃMl_ ÖòÂzD káìßE ¨]ìïVéÝ]KD ¶Í> káìßE ÖòÂzD ¨[®
í®k>uïVª þBV«õ½BVï ¨|ÝmÂ ØïV^á x½BVm.
• \VìÂØïâ Ãõ|ï¹_ x>Ü| ØÄF¥D ØÃV¿m ¶>ªV_ °uÃ|D öüï x¿ kç>¥D
x>Üâ¦Vá¼« °u®ÂØïV^þÅVì.
RoÃ ÃVoEïçá °[ ¼>ì¡ ØÄFB ¼kõ|D?
9 \VìïÂØâ öâ¦[ïçá ØïV|ÂþÅm.
9 ¨õ¼¦VØ\õâ ©áVªïçá s¦ í|>_ éVÃD >òþÅm.
9 Ãõ|ïçá åV¼\ ¼>ì¡ ØÄFBéVD. \Vu¤ÂØïV^á¡D x½¥D..
9 kò\Vª kö séÂz \u®D å\m éVÃÝ]uzD kö Ö_çé.
9 (under U/s 80c and tax free maturity U/s 10(10) d)
9 ÃðÝç> ¼kõ½B ØÃV¿m ¨|ÝmÂïØïV^Ó\ kÄ] ( 5 kò¦ºïÓÂz© ¸ªªV_)
9 3 kò¦ºï^ ¸ZtBD ïâ½ªV¼é ¼ÃVm\Vªm..
9 ¸ZtBD ÄVìëï^ ÎËØkVò ïDØÃMÂzD Öç¦l_ \V®Ã|D.
9 Öºz åVºï^ ØïV|Ý]ò©Ãm ¨Í> Îò ïDØÃMl[ ÃVoE ¶_é..
9 ÄöBVª ka ïVâ|>KÂz ¨ºïám ïDØÃM ¶âçkÄìï^ n gì ½ ° kaïVâ|>oª ¶½ÃÃç¦l_
9 6% \u®D 10% ö¦¦[ ÄVìâïçá côïÓï ØïV|ÃÃVìïá.
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GJOBODJBM!QMBOOJOH!
¸ªV[EB_ ¸áVMº ¨[Ãm Tâ½_ åVD >BVöÂzD ï_BVð ØÄé¡ïÓÂïVª ÃâØÛâ ¼ÃV[Åm ¶_é.
‡ gªV_ xçÅBVª \V>VÍ]« ¼Ät©¸uïVª ÃâØÛâ½º ¨[þÅ ïòs JéD
‡ ¨]ìïVéÝ]uïVé ØÄé¡ïÓÂïVï Ö©ØÃV¿¼> ]â¦tâ| ¼Ät©Ã>VzD.
¨ª¼k ¸ªV[EB_ ¸áVMº ¨[Ãm
‡ z|DÃ ÃVmïV©A ‡ g¥^ ÃVmïV©¬| JéD
‡ zwÍç>ïÓÂïVª ]â¦t|>_ \u®D öç¦BìØ\õâ½uïVï ]â¦.t|>_
‡ kò\Vª kö ¼Ät©¸uïVï ]â¦t|>_
‡ ØÄVÝm còkVÂz>_ \u®D ØÇ_Ý Ö[·R«[ü
‡ æÂþ«¼\ mkºï©Ã¦ ¼kõ½Bm ‡ zwÍç>ïÓÂïV \u®D öç¦BìØ\õ½uïVï ]â¦t|>KD.
‡ ØÇ_Ý Ö[·R«[ü tï¡D xÂþB\Vï \V¤ kòþÅm. 15,000 kç« kò\Vª kö ÄKçï ÖòÂþÅm..
2) DRß·k_ Ãõâ, 3) kºþ ¼Ät©Aï^, 4) öB_ ¨ü¼¦â, 5) >ºïD

gþB ¶çªÝç>¥D ØïVõ¦>Vï ÖòÂï ¼kõ|D.
cºïÓç¦B. ¼ÃVìâ ¼ÃVo¼BV 1) Ö[·R«[ü,
kVμÂçïl[ íÂ¹ïçá ÄÍ]Âï >BV«Vzºï^. ‡ Ö[·R«[ü ¨|ÝmÂØïV^Óºï^.

‡ kò\Vª köÂïVï \â|\_é. ‡ cºï^ zwÍç>l[ ¨]ìïVéÝ]uïVï ]â¦t|ºï^.
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Magnum Investments
¨Ý>çïB Ö[·R«[ü ¼>çk

‡ Ãé Ãð ÄDÃÍ>\Vª x½¡ïçá© ¼ÃVé Öm Äö ‡ ¶¼> Ä\BD >k®.
‡ Ö[·R«[ü ¨[ÅV_ Ö[·R«[·ÂïV \â|¼\ å\m x½¡ ÖòÂï ¼kõ|\.
‡ Ö[·R«[ü ¨[® WçªÝ>m Äö. gªV_ °Ý>çïB ¨[® WçªÝ>m >V[ >k®.
‡ Ö[·R«[ü Ö[·R«[·ÂïVï \â|¼\. ‡ ¼k® ¨m¡D ¶>Ð¦[ ¼Ä«Âí¦Vm.
‡ zwÍç>ïÓÂïVª ]â¦t|>_, öç¦BìØ\õâ ¸áVMº, kò\Vª kö, ‡ ¨_éVD ¸[A >V[.
‡ ÃéòD Ö[·R«[E_ ¼ÃV¦©Ã|D ÃðÝç> ¨|Ým s|þÅVìï^.
‡ Ö[·R«[EuïVï Ö[·R«[ü ‡ ‡ «Â−V ¶_ém ØÇ_Ý AØ«V¦Â¦ì ¨|Âï©Ã¦¼kõ|D.
‡ Ö_çéØBM_ \ïV çé© ¼ÃV[ÅØ>Vò kò\VªD >«Âí½B ]â¦ºïçá ¨|ïïéVD.
‡ Ro© ¸áV[ï¹¼é¼B ‡ Ö[·R«[EuïV ¨ª ¨|Ým
‡ ¶Í> ÃVoEloòÍm ÃðÝç> ¨|ÂïÂí¦Vm..
‡ ¨õ¼¦VØ\õâ ]â¦ºï^, ØÃ[Ä[ ]â¦ºï^, ‡ \ïV çé© \u®D

Ö[·R«[ü ]â¦ºïçá© ØÃV®Ý> kç« Ro© ÃVoEï^ \â|t[¤
Ro© x¿ g¥^ ÃVoEï^ ¶çªÝm¼\ ¼>çk.
kVμÂçï ]ÏØ«ª A_ ¦Vü >«éVD ‡ Ö[·R«[ü ¨|ÝmÂØïV^Óºï^.

‡ 31 \Vìß·Âz ¼\_ ‡ ÃÂïÝ]Åz ÃÂïD ÃVmïV©çÃ ]â¦t|ºï^.
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Magnum Investments
¨Ý>çïB Ö[·R«[ü ¼>çk

*õ|D ¶¼> ¼ï^s
‡ Ö[® 14 >MBVì ïDØÃMï^ (¨_nE çBÝ >s«) ÖòÂþ[Åª.
‡ ¨õ¼¦VØ\õâ ÃVoEï^ íâ| ¼ÃVªü >òþÅVìïáV ¨[Ãç>© ÃVìÂï ¼kõ|\.
‡ Ro© ÃVoEï¹_ ¨Ý>çïB öâ¦[ >òþÅVìï^
‡ ‡ ¶âçkÄìï^ ¨Ý>çïB ÄìTü >òþÅVìï^ ¨[Ãç>¥D åVD ÃVìÂï ¼kõ|D.
‡ ¶âçkÄìï^ ¸ªV[EB_ ¶¤¡ç«ïçá í®D ]Åç\ ÃçâÝ>kìïáVï ÖòÍ>V_ å_ém.
x½Í>Vé ¶âçkÄìï¹¦D cºï^ ¼>çkïçáÂ í¤ ¼ïi ©¼á[ ü¼¦âØ\õ|ïçá
¼ïâ|© ØÃu® x½¡ ¨|©Ãm å_ém. ¦V¦V °n÷ l[ ¶âçkÄìï^ çk>]òÂzD
¼ïV_ çÃõ¦ìïçá cÃ¼BVþïïéV\..
ÃVmïV©çÃBD >òþum. Ro© x¿ g¥^ ÃVmïV©A ]â¦ºï^ EÅ©ÃVªçk

ØÃ[Ä[ ¸áV[ï^ J[® kaï¹_ ØÄB_Ã|þÅm. ‡ 1) å\m ¼Ät©Aïçá
¼ÄìÝm çkÝm káìÝØ>|ÂþÅm. 2) å\Âz ØÃ[Ä[ >òþÅm. 3) g¥^
‡ kVμÂçï cºïçá ]ÏØ«ª «[ ¶¡â gÂþ s|D. ‡ >BV«Vï Öòºï^.

‡ cºï^ öç¦BìØ\õ½uïVï ]â¦t|ôïá. ‡ kò\Vª köÂïVï \â|\_é.
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Magnum Investments
cºï^ ]â¦ºïçá WçÅ¼kuÅ ¨¹ç\BVª ka ‡ ¦V¦V °n÷ l[ ]â¦ºï^

Öm kç« Àºï^ x>Ü| ØÄF> xçÅ ÖM Àºï^ ØÄB_ Ã¦©¼ÃVzD xçÅ
1. cºï^ x>Üâç¦ kçï©Ã|Ým>_ 1) cºï^ x>Üâç¦ kçï©Ã|Ým>_
2. EÅÍ> Ãõ|ïçá ¼>ìÍØ>|Ý>_ 2) ¦V¦V °n÷ l_ x>Ü| ØÄF>_
3. x>Ü| ØÄF>_ 3) WD\]BVï ÖòÂïéVD.
4. cºïá Ãõ|ï¹[ káìßE ¶ku¤[ >«Ýç> 4) Ö[·R«[ü g¥^ ÃVmïV©¬|,
g«VFÍm *õ|D ]â¦t|>_ kò\Vª kö ÄKçï, å\m
5. Äö ØÄFm x>Üâç¦ \Vu¤ ¶ç\Ý>_ éVÃÝ]uzD kò\Vª kö ÄKçï ¨ª
6. *õ|D 4km Ö¦Ý]uz ØÄ[® g«VF>_ Ãé s>Ý]é c>s AöþÅm.
¨[ª å¦Âz¼\V ¨[þÅ zw©ÃÝm¦[ ÖòÝ>_. 5) å\m x>Ü| tï¡D EÅ©ÃVï
>ç¦l[¤ káò\.
E¤B Ø>VçïBVï ÖòÂþÅm ¨ª >Bºï ¼kõ¦VD ‡ ¨Ëká¡ EÅB Ø>VçïBVï
‡ cºïá ØÃ[Ä[ ¸áV[ï¹oòÍm ï¦[ kVºïVyìï^.

ÖòÍ>VKD mkºþk s|ºïá. ‡ xÂþB\Vª sÄBD
‡ Îò ]â¦D cºïçá ê¼«V gÂïéVD ‡ ]â¦t|ºïá Ö[·R«[ü ¨|ÝmÂØïV^Óôï^

‡ cºï^ öç¦BìØ\õç¦ ]â¦t|ôï^. ‡ kò\Vª köÂïVï \â\éé.
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Ö[·R«[ü
Ö[·R«[ü ¨|©Ãm xÂþBD ‡ ¶ç>s¦ xÂþBD ¼>çkBVª ¶á¡ ¨|Âþ¼ÅV¼\V ¨[Ã¼>?
Àºï^ ¨|Ý]òÂzD Ö[·R«[ü ¼ÃVm\Vªm >VªV? Àºï¼á Äö ÃVìÝmÂ ØïV^Óºï^
z|DÃ kò\VªD / ØÄé¡ï^ c>V«ðD cºïÓç¦Bm
1 Îòkì sBVÃV«Ý]_ ÖòÍm \V>\ 25,000 >ªm ÃuÅVï ¨|ÂþÅVì 25,000
2 ¨Ëká¡ Ö[·R«[ü ¼>çk ‡ ØÃVmkVï 80 ‡ 90% ¨|©Ãì 22,500
3 mçðsBVö[ ÄDÃáD ¶_ém ¶kì Ö_éV> ¼ÃVmD Ö>« ÃVìâªìE© 5,000
sBVÃV«ºï^ JéD ¶kòÂz kòD kò\VªD ‡ \V>D Î[®Âz
4 3 oòÍm 2 n ïaÂï¡D 17,500
5. ¶k«m ØÃâ¼«V_, kò\Vª kö \u®D Ö>« ØÄé¡ï^ ‡ ¶kì 2,500
Ö_éVm ¼ÃVl[ ÖÍ> ØÄé¡ïÓD ÖòÂïVm.
6. ¶kì z|DÃÝ][ \V> ¼>çk 15,000
7 kò¦ kò\Vª\Vï \VuÅ 12 g_ ØÃòÂï¡D 1,80,000
8 kò\VªD z|DÃÝ]uz ¨Ý>çª kò¦ºï^ 27,00,000
ïâ¦VBD ¼>çk. ‡ ¶>Vkm zwÍç> Ã½Ým x½Ým ¼kçéÂz
ØÄ_KD kç« ‡ 15 kò¦ºïáVï ¨|ÝmÂØïV^áéVD.
9 Öm¼k z|DÃ ØÄé¡ÂïVª Ãõâ 27,00,000
Ø\VÝ> ¼>çkï^ c>V«ðD cºïÓç¦Bm

1 z|DÃ ØÄé¡ÂïVª Ãõâ 27,00,000
2 Ö>« ¼>çkï^: zwÍç>ïÓÂïVª ØÄé¡ï^ 5,00,000
3 ¶kÄ« ØÄé¡ïÓÂïVï 2,00,000
4 Tâ|Â ï¦çª ]ò©¸Â ØïV|Âï 10,00,000
5 Ö>« E_éçÅ ï¦[ïçá ]ò©¸Â ØïV|Âï 2,00,000
6 mçðsBVòÂïVª öç¦BìØ\õâ Ãõâ 5,00,000
7. sBVÃV«Ý]_ ÖòÂzD ï¦çªÝ ]ò©¸Â ØïV|Âï 4,00,000
8. kºþÂ ï¦[ï^ 5,00,000
Ø\VÝ> ¼>çkï^ 60,00,000
>u¼ÃVç>B ØÄVÝm \]©A c>V«ðD cºïÓç¦Bm

1 ÃðD \u®D ¼Ät©Aï^ 2,00,000
2 Tâ| \]©A ï¦[ï^ ¼ÃVï 10,00,000
3. x>Ü|ï^: -¼−ìï^, ÃVõ|ï^ \u®D DRß·k_ Ãõ|ï^ 3,00,000
4. \uÅ ¼Ät©Aï^ 2,00,000
5. öç¦BìØ\õâ Ãõ|ï^: ¸¨© ‡ sBVÃVö ¨[Ã>V_ Ö_çé
6. ¸¸¨© ‡ Àºï^ mkºþlòÍ>V_ 2,00,000
7. >u¼ÃVç>B Ö[·R«[ü 10,00,000
6 >u¼ÃVç>B ØÄVÝm \]©A 29,00,000
¶k«m Ö[·R«[ü ¼>çk ¨[Ãm 31,00,000
(Ø\VÝ> ¼>çk ‡ Ø\VÝ> ØÄVÝm \]©A)
°uïª¼k ¶kì 10,00,000 Ö[·R«[ü çkÝ]òÂþÅVì ¨ª ïðÂþâ|^¼áVD.
Ro© ÃVoEï¹_ ¼ÃV|D Ãðºïçá ÃéòD ¨|Ým s|þÅVìï^.
¶©Ã½ ØÄF>V_ ÖòÂzD Ö[·R«[·D Ö_éV\_ ¼ÃVFs|D.
¨ª¼k åVD Ö>« ¼Ät©Aï^ \u®D x>Ü|ïÓÂïVï \â|t[¤
‡ Ö[·R«[·ÂïVï Ö[·R«[ü ¨|Âï ¼kõ½B ïâ¦VBÝ]_ ÖòÂþ¼ÅVD.
Ö_çéØBM_ å\m z|DÃD å\m kò\VªD Ö[¤ E«\©Ã|km \â|D ¶_é, åVD
sBVÃV«Ý]_ còkVÂzD ï¦[ ·ç\ïçá¥\ å\m z|DÃÝ]ªì >Vºï ¼kõ|D.
Ö[·R«[ü å\ÂïVï ¶_é ‡ å\m z|DÃÝ]ªòÂïVï
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¨Ëká¡ Ö[·R«[ü ¼>çk ‡ \uØÅVò c>V«ðD

z|DÃ kò\VªD / ØÄé¡ï^ c>V«ðD cºïÓç¦Bm
1 \V> ÄDÃáD 50,000
2 ¨Ëká¡ Ö[·R«[ü ¼>çk ‡ ØÃVmkVï 90% ¨|©Ãì 45,000
3. ¶k«m ØÄVÍ> ØÄé¡ï^ + 2,000
4. ØÃâ¼«V_ \u®D ÃBð ØÄé¡ï^ + 2,000
5. kò\Vª kö 5,000
6. ¶kì Ö_éVm ¼ÃVl[ ÖÝ>çïB ØÄVÍ> ØÄé¡ïÓD 34,000
Ö_éVm ¼ÃVF s|D ‡ ¨ª¼k ¶kuçÅ ïaÝ>V_
7 mçðsBVö[ ÄDÃáD \u®D ¸¨© Ãðºï^ 15,000
8 6 oòÍm 7 n ïaÂï¡D 21,000
9 kò¦ kò\Vª\Vï \VuÅ 12 g_ ØÃòÂï¡D 2,52,000
10 kò\VªD z|DÃÝ]uz ¨Ý>çª kò¦ºï^ 30,24,000
ïâ¦VBD ¼>çk.‡¶>Vkm zwÍç> Ã½Ým x½Ým ¼kçéÂz
ØÄ_KD kç« ‡ 15 kò¦ºïáVï ¨|ÝmÂØïV^áéVD.
11 Öm¼k z|DÃ ØÄé¡ÂïVª Ãõâ 30,24,000
¨]ìïVé z|DÃ Ø\VÝ> ¼>çkï^ c>V«ðD cºïÓç¦Bm

1 Ö>« ØÄé¡ï^ ‡ z|DÃ ØÄé¡ÂïVª Ãõâ 30,24,000
2 zwÍç>ïÓÂïVª ØÄé¡ï^ 5,00,000
3 ¶kÄ« ØÄé¡ïÓÂïVï 1,00,000
4 Tâ|Â ï¦çª ]ò©¸Â ØïV|Âï 10,00,000
5 Ö>« E_éçÅ ï¦[ï^ ]ò©¸Â ØïV|Âï 1,00,000
6 mçðsBVòÂïVª öç¦BìØ\õâ Ãõâ 5,00,000
Ø\VÝ> ¼>çkï^ 52,24,000
>u¼ÃVç>B ØÄVÝm \]©A c>V«ðD cºïÓç¦Bm

1 ÃðD \u®D ¼Ät©Aï^ 2,00,000
2 Tâ| \]©A ï¦[ï^ ¼ÃVï 10,00,000
3. x>Ü|ï^-¼−ìï^, ÃVõ|ï^ \u®D DRß·k_ Ãõ|ï^ 2,00,000
4. \uÅçk 2,00,000
5. öç¦BìØ\õâ ©áV[ï^: ‡ ¸¨© 3,00,000
6. ¸¸¨© 2,00,000
5 >u¼ÃVç>B Ö[·R«[ü 10,00,000
6 >u¼ÃVç>B ØÄVÝm \]©A 31,00,000
Ö[·R«[ü ¼>çk 21,24,000
(Ø\VÝ> ¼>çk ‡ Ø\VÝ> ØïVÝm)
°uïª¼k ¶kì 10,00,000 Ö[·R«[ü çkÝ]òÂþÅVì ¨ª ïðÂþâ|^¼áVD.
¼kçél_ Öò©Ãkìï^ öç¦BìØ\õâ Ãõç¦ æÂþ«¼\ mkÂï ¼kõ|D.
°ØªM_ sBVÃV«Ý]_ Öò©ÃkìïÓÂz þç¦ÂzD éVÃD Ö_çé.
Ro© ÃVoEï¹_ ¼ÃV|D Ãðºïçá ÃéòD ¨|Ým s|þÅVìï^.
¶©Ã½ ØÄF>V_ ÖòÂzD Ö[·R«[·D Ö_éV\_ ¼ÃVFs|D.
¨ª¼k åVD Ö>« ¼Ät©Aï^ \u®D x>Ü|ïÓÂïVï \â|t[¤
‡ Ö[·R«[·ÂïVï Ö[·R«[ü ¨|Âï ¼kõ½B ïâ¦VBÝ]_ ÖòÂþ¼ÅVD.
Ö_çéØBM_ å\m z|DÃD å\m kò\VªD Ö[¤ E«\©Ã|km \â|D ¶_é, åVD
kVºzD ï¦[ïçá¥D å\m z|DÃÝ]ªì >Vºï ¼kõ½lòÂzD.
Ö[·R«[ü å\ÂïVï ¶_é ‡ å\m z|DÃÝ]ªòÂïVï
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Magnum Investments
gR^ Ö[·R«[ü ‡ Ö©ØÃV¿m ¶kEB\V?

‡ ¨ß ¨_ s xçÅl_ ïðÂþ|D xçÅ
gD! ïâ¦VBD ¶kEBD.
¶©Ã½BVªV_ ¨Ëká¡ ¼kõ|D. °uïª¼k åV[ WçÅB ¸ZtBD ïâ|þ¼Å[.
Ö>uz åVD (Human Life Value – HLV) \M> g¥¹[ \]©A

¨[ª ¨[Ãç>© Ãu¤ Ø>öÍm ØïV^á ¼kõ|D.
\M>M[ g¥ÓÂz sçé Ö_çé. ¨MÐD, HLV ¨[þÅ

\M> g¥¹[ \]©A ¨Ëká¡ ¨[Ãç>©Ãu¤B óÝ]«Ýç>©Ãu¤ Ø>öÍm ØïV^á ¼kõ|D
¶©ØÃV¿m >V[ å\Âz ¨Ëká¡ Ö[·R«[ü ¼>çk ¨[Ãç> ïðÂþ¦ x½¥D.
HLV ¨[Ãm ‡ Îòkì >ªm z|DÃÝ]uz ~â½Ý >òD / >« ÖòÂzD kòkVl[ Ö[çÅB
Ãð\]©A gzD ‡ ·òÂï\VïÂ í¤[ Ö[çÅB Wçél_,
¶kç« Îò ‡ kòkVF ~â½Ý >òD ØÄVÝ>VïÂ ïò]ªV_ (Income Earning Asset),
¶kö[ \]©A (Replacement Value of Human Asset) gzD.
¶kì Ö_éVm ¼ÃVªV_ ¶Âz|DÃÝ]uz °uÃ|D Ãð Öw©çÃ ÄöBVï ~| ØÄFB ¶kö[

ÖÍ> \]©¸uz (HLV), ¶kì >[çª ïV©¬| (Insurance) ØÄFm ØïV^á ¼kõ|D.
(HLV)n, ïðÂþ¦ Îòkç«©Ãu¤B ÿμÂïõ¦ sk«ºï^ ¼>çk.

E - Ö[çÅB kò\VªD
M - ¶kö[ >M©Ãâ¦ ØÄé¡ï^, ØÄKÝm\ köï^, ¼Ät©Aï^. (¶kì Ö_çéØB[ÅV_)
¶kì ØÄFm kòD ÖÝ>çïB ØÄé¡ï^ Ö_éV\_ ¼ÃVzD. (Self Maintenance Charges)
N- ¶kö[ ‡ ¨]ìïVé kòkVF ~â½Ý>òD ïVéD ‡ (Retirement Age – Current Age)
A- ¨]ì ïVé kâ½ sþ>D / ¶_ém ÃðTÂï sþ>D - (Assumed Rate of Interest /
Inflation for discounting of future Income)
c>V«ð\Vï,
]ò X ¨[Ãkö[ >u¼ÃVç>B gõ| kò\VªD 4,00,000
¶kö[ >M©Ãâ¦ ØÄé¡ï^ \V>D 2,500 gõ|Âz ‡ 30,000
¶kì ØÄKÝm\ kò\Vª kö gõ|Âz ‡ 50,000
¶kö[ ¼Ät©Aï^ gõ|Âz ‡ 1,00,000
¶kì >ªm z|DÃÝ]uz ØÄés|D Ø>Vçï gõ|Âz ‡ 1,90,000
¶kö[ kBm ‡ 30
{F¡ÂïVé kBm ‡ 60
>u¼ÃVç>B ÃðTÂï sþ>D / kºþ kâ½ sþ>D ‡ 8%
¶kö[ (HLV) ÿμÂïõ¦kV® ïðÂþ¦©Ã|D.

H = (E – M) X A (N)
E = Rs. 4,00,000
M = Rs. 30,000 + Rs. 50,000 + 1,00,000 = 1,80,000
N = Retirement Age – Current Age = 60 – 30 = 30
A = 8%
A (N) Factor = Discounting Factor for 30 Years – See Chart Below = 12.15841
Human Life Value of Mr. X

= (4,00,000 – 1,80,000) X 12.15841
= 2,20,000 X 12.15841 = 27,74,850 = Approx 28 Lakhs
]ò X[ Ö[çÅB \]©A (HLV) 28 éâÄºïáVzD.
¶kì ÖÝØ>VçïÂz Ö[·R«[ü ¨|ÝmÂ ØïV^á ¼kõ|D. ¶kì ÖÅÂï ¼åöâ¦V_ ¶kö[
z|DÃÝ]uz ÖÅ©A cö\\Vï ÖÝØ>Vçï þç¦ÂzD. ÖÝØ>VçïçB kºþ çk©A ïðÂþ_ çkÝ>V_
kò¦ kò\Vª\Vï 8% T>D 2,24,000 kºþloòÍm þç¦ÂzD.
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Magnum Investments
¶kì Ö_éV> WçélKD, ¶kì \]©¸uz Ö[·R«[ü ØÄF]òÍ>>V_, ¶kòç¦B z|DÃÝ]uz

¼>çkBVª \V> kò\VªD 18,666 ÃVmïVÂï©Ãâ½òÂþÅm.
Ökì 10 éâÄD ï¦ªVï¡D, 3 éâÄD ØÄVÝm \]©ÃVï¡D çkÝ]òÍ>V_ ÿμïõ¦kV®

Ö[·R«[ü ¨|Âï ¼kõ|D.
HLV + WKçklK^á ï¦[ï^ ‡ ØÄVÝm \]©Aï^ = 28,00,000 + 10,00,000 ‡ 3,00,000 = 35,00,000

¶kì ÖÅÂï ¼åöâ¦VKD, ¶k«m ï¦çª ]ò©¸ ØÄKÝ]B ¸[A ¶k«m z|DÃÝ]uz 28 éâÄºï^
þç¦ÂzD.
Ö©ØÃV¿m ØÄV_Kºï^ ‡ ¸Eªü ØÄF¥D ÎòkòÂz ¸Eª·D, kò\VªxD \â|D

ÖòÂþ[ÅªkV? . . . ¶_ém ï¦[ïÓD ÖòÂþªÅªkV?
åV\ å\m ÄÍ>]BòÂz ¨[ª sâ|ß ØÄ_é© ¼ÃVþ¼ÅVD. åVD ¸EªE_ çkÝ]òÂzD ï¦çªBV
‡ ¶_ém ¶ç>¥D >Võ½ å_éØ>Vò kò\VªD >òD ÃðÝç>BV!
¨ªÂz g¥^ ïV©¬â½[ ¶kEBD AöþÅm! ¼>çk¥\ Ø>öþÅm!

gªV_ ¶>uïVª ¸ZtBD ØÄKÝmk>uzöB kÄ] Ö_çé¼B!
¨ªÐç¦B ØÄé¡ï^ ¨ªm kòkVçB k¦ ¶]ï\VþÂ ØïVõ¼¦ ¼ÃVþ[Å¼>!
¨[® ïéºzþSìïáV?
cºï^ ïéÂïD WBVB\Vª¼>! gªV_ Îò cõç\çB Àºï^ \ÅÍm s¦ ¼kõ¦VD. kò\VªD
kòD Wçél¼é¼B cºï¹_ ØÄé¡ï^ ¶]ï\Vï c^áª¼k!
¶Í> kò\VªxD W[® ¼ÃVFsâ¦V_ cºï¹[ z|DÃ Wçé ¨[ª ! . . ./
¨ª¼k Ö[¼Å yì\VM¥ºï^ !

g¥^ ïV©¬¼¦ EÅÍ> z|DÃ ÃVmïV©A !
Ö¦ì kòD ïVéÝ]_ å\m z|DÃÝç> ÃVmïVÂzD ¶«õ !
g¥^ ïV©¬â|© ¸ZtB¼\ EÅÍ> ØÄé¡ ! z|\ÃÝ][ x>_ ØÄé¡ !
Present Value Factor – Used for Calculating HLV

Year Discounting Factor Year Discounting Factor
8% 7% 6% 8% 7% 6%
1 1.000000 1.000000 1.000000 21 10.81815 11.59401 12.46992
2 1.925926 1.934579 1.943396 22 11.01680 11.83553 12.76408
3 2.783265 2.808018 2.833393 23 11.20074 12.06124 13.04158
4 3.277097 3.624316 3.673012 24 11.37106 12.27219 13.30338
5 4.312127 4.387211 4.465106 25 11.52876 12.46933 13.55036
6 4.992710 5.100197 5.212364 26 11.67478 12.65358 13.78336
7 5.628800 5.766540 5.917324 27 11.80998 12.82578 14.00317
8 6.206370 6.389289 6.582381 28 11.93518 12.98671 14.21063
9 6.746639 6.971299 7.209794 29 12.05108 13.13711 14.40616
10 7.246888 7.515232 7.801692 30 12.18541 13.27767 14.59072
11 7.710081 8.023582 8.360087 31 12.25778 13.40904 14.76483
12 8.138964 8.498674 8.886875 32 12.34980 13.53181 14.92909
13 8.536078 8.942686 9.363844 33 12.43500 13.64656 15.08404
14 8.903776 9.357651 9.853683 34 12.51389 13.75379 15.23023
15 9.244237 9.745468 10.294980 35 12.58693 13.85401 15.36814
16 9.559479 10.107910 10.712250 36 12.65457 13.94767 15.49825
17 9.851396 10.446650 11.105900 37 12.71719 14.03521 15.62099
18 10.121640 10.763220 11.477260 38 12.77518 14.11702 15.73678
19 10.371890 11.059090 11.827600 39 12.82887 14.19347 15.64802
20 10.603600 11.335600 12.158120 40 12.87858 14.26493 15.94907
24
Magnum Investments
ÃâØÛâ½º JéD ¼ïVÏük«ì gkm ¨©Ã½?

x[Ðç«
¼ïVÏük«ì ¨[ÅV_ sçé cBìÍ> ïVö_ ÃBðD ØÄFm, 5 åâÄÝ]« ¼ÇVâ¦_ï¹_
>ºzÃkç«¼B åVD ¼ïVÏük«ì ¨ª WçªÂþ¼ÅVD.
¶©Ã½Ý>V[ EM\VÂï^ í®þ[Åª. gªV_ ¶kìï^ ¼ïVÏük«ìï^ ¶_éì,
Ö©Ã½ ØÄFB©Ã|D ØÄé¡ï^ Îò ØÃòD ØÄVÝm \]©ÃVï ÖòÂï x½BVm.
ÖËkV® ØÄé¡ ØÄFÃkìïÓÂz WçÅB kò\VªD ÖòÂzD. ÃéòÂzD ï¦ÐD ÖòÂzD.
ØÃòD ØÄé¡ï^ ØÄVÝ>Vï x½BVm,
¼−ìï¹é. T|ï¹_. kºþß ¼Ät©¸_, >ºïÝ]_ ÖòÍ>V_ \â|¼\ ¶m ØÄVÝ>Vï x½¥D.
In the words of Francis Moore - “The most substantial people are the most fugal, make the least show, and
live at the least expense”
cõç\BVª ØÄVÝm
cõç\BVª ØÄVÝm ¨[Ãm x>Ü| ØÄFB©Ãâ| ØÃòï ¼kõ|D.
Öçkï¹oòÍm kò\Vª\ kòkç> s¦ \]©A í|km ¨[Ãm >V[ ¶]ïD
ÖòÂzD. Àºï^ ØÄVÝm¦[ öç¦Bì gïéVD. gªV_ kò\VªÝm¦[ ¶_é,
°ØªM_ öç¦Bì gzD ØÃV¿m kò\VªD W[® s|D.
¼ïVÏük«ì gï \V®km ¨[Ãm Ø>V¦ìÍm kò\VªÝç> ØÄVÝ>Vï \Vu®k>[ Jé¼\
ÄVÝ]BD. ÖÝ>çïB \VuÅD ÄöBVª ÃâØÛâ½º, ¼ÄtÝ>_ \u®D x>Ü| gþBçkï^
Jé¼\ ÄVÝ]BD.
x>Üâç¦ ïVéÝ¼> mkºz>_
æÂþ«¼\ ¼ÄtÝm. x>Ü| ØÄFkç> ‡ æÂþ«¼\ mkºþªV_ Àõ¦ åVâï^ ÃðD å\ÂïVï
¼kçé ØÄF¥D ¨[® ¼ïVÏük«ìïÓÂz Ø>ö¥D.
ÿ¼w Ö«õ| åÃìï^ 30 \u®D 35 kBmç¦Bkìï^ kò¦D 60.000 ¼ÄtÂþÅVìï^.
¼ÄòD kBm 35 30
\V> ¼Ät©A Rs. 5,000 Rs. 5,000
¼ÄtÝm x½Âz\ kBm 60 60
Ø\VÝ> ¼Ät©A Ø>Vçï 15,00,000 18,00,000
15% kâ½ ØïV|Âz\ ~zlâ½ ‡ Ãõ½_ ¼ÄtÂþÅVì.
60 kB]_ þç¦ÂzD ÃðD 1,37,82,804(1.37 ¼ïV½ï^) 2,81,58,852 (2.81
¼ïV½ï^)
sÝ]BVÄD 1.5 ¼ïV½
9% kâ½ þç¦ÂzD Ø¦©â ‡ ~zlâ½ Ãõâ
60 kB]_ þç¦Âz\ ÃðD 53,26,542 (53.26 éâÄºï^) 85,71,903 (85.71
éâÄºï^)
sÝ]BVÄD 32 éâÄD
5 kò¦ sÝ]BVÄD
1.5 ¼ïV½ sÝ]BVÄÝç>Ý >òþÅm.
ÃâØÛâ½º ¨[ÅV_ ¨[ª?
Ø>V¦ìÍm ]â¦tâ| ¼Ät©Ãm ÃâØÛâ½º Jé¼\ ÄVÝ]BD.
ÃâØÛâ½º ¨[Ãm ¨Í> ØÄéçk ¨Ëká¡ ØÄFkm ¨[Ãç> ]â¦t|k¼>BVzD.
ÃâØÛâ½ºþ_ Ö«õ| ØÃöB >k®ï^ ‡ ÃðD ¨ºz ØÄé¡ ØÄFB©Ãâ¦m ¨[Ãm
Ø>öBVm ¼ÃV>_. \uØÅV[® ØÄé¡ï¹[ xÂþBÝ]uz >zÍ>Vu¼ÃV_ ]â¦t¦Vç\.
25
Magnum Investments
ÃâØÛâ >BVö©Ãm ¨©Ã½?

o x>o_ cºïÓç¦B \u®\ cºï^ mçðsBVö[ ÄDÃáÝ]oòÍm ÖòkòD ïâ|D kò\Vª
köçB ïaÝm s¦ ¼kõ|D. ‡ Ö]_ 30% ÃðÝç> ¼ÄtÂï ¼kõ|D.
o Àºï^ T| \u®D ïVì ï¦[ïçá Î¼« ¼å«Ý]_ ¶]ï\Vï kVºïÂí¦Vm. ‡ Tâ|Âï¦[
\u®\ ïVòÂïVª ï¦[ Ö«õ|D ¼ÄìÝm Ø\VÝ> ÄDÃáÝ]_ 33% ¼\_ ÖòÂïÂ í¦Vm.
o Tâ|Â ï¦[ x½¥\ kç« gâ¼¦V ï¦çª E¤B>Vï¼k çkÝmÂ ØïV^Óºï^.
ÄDÃáD í|D ØÃV¿m ¶_ém Tâ|Â ï¦[ x½Í> ¸[A gâ¼¦V ï¦çª ¶]ïöÂïéVD.
ÃâØÛâ ‡ ØÄé¡ïçá >«©Ã|Ýmkm
o ÃâØÛâ >BVö©Ã]_ xÂþ\Vª sÄBD ‡ØÄé¡ïçá Ö«õ| Ãz]ïáVï ¸ö©Ãm.
o ‡ xÂþB\Vª \u®D >sìÂïÂí½B ØÄé¡ï^ xÂþB\Vª ØÄé¡ïçá ØÄF> ¸[
o ‡ z¤©¸â¦ Ø>VçïçB ¼ÄtÝ> ¸[ - Àºï^ >sìÂïÂí½B ØÄé¡ïçá ØÄFBéVD.
o ‡ ¶>Vkm ‡ åâÄÝ]« ¼ÇVâ¦_ïÓÂz ØÄ[® cð¡ ¶òÍm>_. EM\Vsuz ØÄ_K>_.
sçé cBìÍ> mèï^ kVºz>_ ¼ÃV[ÅçkBVzD.
ÃâØÛâ ¶x_Ã|Ým>_
o ¶x_ Ã|Ýmk]_ cºïÓç¦B \ªÝ]¦D >V[ tï¡D xÂþBD.
o x>_ \V>¼\ Àºï^ cºï^ ØÄé¡ïçá ]â¦tâ¦ Ã½ ïâ|©Ã|Ý] WçªÝ> Ø>VçïçB
¼ÄtÝm. x>Ü| ØÄFm sâ¦V_ cºï^ \ªD tï¡D ÄÍ¼>VÄ©Ã|D.
o x½Í> kç« ÃðD ØïV|Ý¼> ØÃVòâïçá kVºzºï^ ‡ þØ«½â ïVì|ïçá >sìÂïéVD.
o ÎËØkVò \V>xD x>_ ØÄÂ ‡ Àºï^ ¼ÄtÂzD ïðÂzïÓÂïVïÝ>V[ ÖòÂï ¼kõ|\.
o ¶|Ý> Ã½BVï ï«õâ ¸_. ¼ÃV[ ¸_. Ö[·R«[ü. gþB Ö>« ØÄé¡ïçá ØÄFBéVD.
o *>D ÖòÂzD ÃðÝç> kºþloòÍm \V> ØÄé¡ïÓÂïVï çïl_ çkÝmÂ ØïV^Óºï^
ÃâØÛâ½º ½©ü ‡ ÃâØÛâ ÖÝ>çïB ¼Ät©çÃ c®] ØÄFþÅm.
o ÃéòD ¨©ØÃV¿m mkºï ¼kõ|\ ¨[® ¼ïâþÅVìï^. ‡ cºï^ x>_ ÄDÃáD þç¦Ý>
¶[¼Å mkºþ s|ºï^. mkºïs_çé ØBM_ ïkçé Ö_çé ‡ Ö[¼Å mkºþ s|ºï^
o tï ¶]ï\Vª ÃðD ]ò\ðÝ]uz x[A >V[ ¼ÄtÝm x>Ü| ØÄFB x½¥D.
o ØÃâ¼«V_ ØÄé¡ïçá zçÅÝm ØÃVmÝ mçÅ kVïªºïçá ÃB[Ã|Ým>_ ‡ t[ÄV« ØÄé¡ïçá
zçÅÝ>_ ¨Í> ØÄéçk zçÅÂþSìï^ ¨[Ã>_é ‡ 30% ¼ÄtÂï©Ã¦ ¼kõ|D.¨[Ã¼> xÂþBD.
o To achieve your goal you and your spouse must remember Rudyard Kipling’s famous words:
“We have forty million reasons for failure, but not a single excuse.”
FINANCIAL PLANNING
ÄV>V«ð\Vï åVD ØÄB_Ã|\ xçÅ Îò Eéì ØïVÞÄD AÝ]ÄVoÝ>ª\Vï tïß EÅÍ> ka
Öm¼k ÄöBVª xçÅ ¨ª å¦Ím ØïV^þ[Åªì. ØïVÞÄxD ïi¦\Vª>_é.
åVD WçªÝmÂ ØïV^þ¼ÅVD. Öm¼k EÅÍ>m ¨ª¡D WçªÂþ[Åªì.
ÄDÃV]Ý>_ ÄDÃV]Ý>_
ÄDÃV]Ý>_
¼Ät>>_
ØÄé¡ ØÄF>_ ¼Ät>>_
x>Ü| ØÄF>_
¼Ät>>_ ØÄé¡ ØÄF>_
ØÄé¡ ØÄF>_
Ãð ïi¦ºï¹_ x½BD
Ãð sÄBÝ]_ ï|ç\BVª
EÂïçé °uÃ|ÝmD.
¶|Ý>kìïçá åD¸¼B Ãð sÄBÝ]_ x¿ç\BVª
ÖòÂï ¼kõ|D. ·>Í]«D þç¦ÂzD.
26
Magnum Investments
\V]ö ÃâØÛâ
40 kBm cç¦B \V>D 50.000 kò\VªD ØÃ®D æMBì g¬Äì
\V]ö ÃâØÛâ cºïÓç¦Bm
ÄDÃáD
cºïám ÄDÃáD 37,850
mçðsBVö[ ÄDÃáD 0
kºþß ¼Ät©¸uz þç¦ÂzD kâ½ 2,000
DRß·k_ Ãõ¦ ½sØ¦õâ 1,500
kV¦çï kò\VªD 5,000
\uÅçk 7,500
Ø\VÝ> kò\VªD 53,850
ØÄésªºï^ ‡ ¼Ät©AÂïVï
¸¨© 2,024
¸¸¨© 1,000
~zlâ½ DRß·k_ Ãõâ ‡ SIP 2,000
ØÃ[Ä[ Ãõâ 1,000
zwÍç>ïÓÂïVª ØÄ_© Ro© ÃVoE 2,000
Ro© Ö[·R«[ü 4,000
Tâ|Â ï¦[ ‡ ¶Ä_ 5,000
Ø\VÝ>\ 37% kò\VªÝ]_ (kö Ö_éV\_) 17,024
Tâ|Âï¦[ ¼Äìk>V_ zçÅÍ>m 30% ¼ÄtÂï©Ã¦
¼kõ|D ‡ 37% ¨[Ãm tïß EÅ©ÃVªm
ØÄésªºï^ ‡
xÂþB\Vª ØÄé¡ï^ (Öçð©A I) 21,900
– 40.7% Ø\VÝ> kò\VªÝ]_
Tâ|ß ØÄé¡ï^ (Öçð©A II) 7,550
– 14.0% Ø\VÝ> kò\VªÝ]_
ØÄVÍ> ØÄé¡ï^ (Öçð©A III) 3,850
– 5.6% Ø\VÝ> kò\VªÝ]_
ØÄé¡ï^ >kìßïÂí½Bçk (Öçð©A IV) 3,850
Ø\VÝ> ØÄé¡ï^ 36,000
Öçð©A – I
kò\Vª kö ÀºïéVï kò\VªD 45,850
xÂþB\Vª ØÄé¡ï^ ‡ \V>D Î[¤uz

kò\Vª kö 8,000
gâ¼ÃV Ö[·R«[ü \u®D ö©¼Ãì 300
¸¨© ¶_éV> ¸½Ý>ºï^. Tâ|Âï¦ÐÂïVª kâ½
Ö«õ¦Vkm Tâ|Âï¦[ - Ø\VÝ>D 8,250
ØÄVÝm kö \u®\ ØÄVçÄâ½ ÄVìëï^ 500
g¥^ ÃVmïV©¬| ¸ZtBD 500
Ø\½ þçáD ¸ZtBD 1,500
¶¦\Vª Ö[·R«[ü 400
Tâ|ß ÄV\V[ï^ 200
Tâ| Ã«V\ö©Aß ØÄé¡ï^ 250
(Tâ|Ã Ã«V\ö©AÄ ØÄé¡ï^ ½s. ¸öâë gþBçk ö©¼Ãì ØÄFB
zwÍç>ï¹[ Ã½©Aß ØÄé¡ï^ 2,000
Ø\VÝ>D 21,900
27
Magnum Investments
kV¦çï 10% x>éV¹¼B ØïV|©Ãì (Rs. 5,000 = 2/3)

(x>_ ¶_ém ¶Ä_) Tâ|Âï¦[ ¼Ät©ÃVï ïò>©Ã|D
kV¦çï ØïV|Âïs_çéØBM_
Öçð©A– I I
ØÄésªºï^ ‡ Tâ|ß ØÄé¡ï^
ÄV©ÃV| \u®D \¹çï ÄV\V[ï^ 4,500
mè\èß ØÄé¡ï^ 1,000
¼ÃV[ ¸_ 450
\òÍm ØÄé¡ï^ 150
ïVü \u®\ ï«õâ ¸_ 750
¼Ã©Ãì \u®D ¼ÇVD Ä©çáü 400
¼kçéÂïV«ìï^ \u®\ Ö>« kçï ØÄé¡ï^ 300
Ø\VÝ>D 7,550
Öçð©A – I I I
ØÄésªºï^ ‡ ØÄVÍ> ØÄé¡ï^
ÃVÂØï¦ ÃðD 500
Ö>« ØÄVÍ> ØÄé¡ï^ 500
(Ö>« ØÄVÍ> ØÄé¡ï^ ¨[Ãm ¼ÃVÂzk«Ým, ¼Çìïâ
Ã¡¦ì. ½RÄ[. ØÃVDç\ï^. üØÃÄ_ ÄV©ÃV|ï^
Ö[Ð\ ¸Å)
zwÍç>ïÓÂïVª ØÄé¡ï^ 400

ØÃu¼ÅVì \u®D Ö>« ØÄé¡ï^ 400
Øâ¼«V_ 1,200
Ø\VÝ>D 3,000
Öçð©A IV
ØÄésªºï^ ‡ >sìÂïÂ í½B ØÄé¡ï^
üØÃÄ_ ÄV©ÃV| þØ«½â ïVì| ¸_ (50) 450
gâ¼¦V ï¦[ï^ \u®D xÂþB\uÅ
¼ÃVÂzk«Ým ØÄé¡ï^ 1,200
gâ¼¦V ï¦[ï^ ¼Ät©ÃVï ÖòÂï x½BVm
°ØªM_ Z ¼Ä_ ¼k_Rçk çkÝm ¼k® A]B
kõ½ï^ kVºï x½BVm.
¼ï¸^ ½s. Ø\VçÃ_ ¸_ 750
Tâç¦ ¼\DÃ|Ý> 200
ÃÝ]öÂçï. ïDRâ¦ì. Ö[Ø¦ìØåâ 400
¼>Vâ¦ß ØÄé¡ï^. ¸ÂMÂ 150
Øk¹¼B ÄV©¸|>_, ÷D, ¬ì 550
ØÃâ åVFïÓÂïVª ØÄé¡ï^ 150
Ø\V>>D 3,850
28
Magnum Investments
\V]ö ÃâØÛâ sáÂïºï^

• 40 kBm ‡ ïðk[. \çªs \u®D Ö«õ| zwÍç>ï^ ‡ kBm 5 \u®D 10
• ØÃ[Ä[, ¸¸¨© \u®D zwÍç>ïÓÂïVª ]â¦t|>_ 30 kB]_ mkºï©Ãâ| sâ¦m
• ÖÍ> ÃâØÛâ½[ EÅ©ÃDÄºï^. ‡ 1.¸¸¨© 2; ØÃ[Ä[
3. zwÍç>ïÓÂïVª ]â¦t¦_ 4. Ro© ÃVoE 5. DRß·k_ Ãõâ
• 1. 60 km kB]_ ¸¸¨© Ãõ½_ 9% kâ½ sþ>D þç¦Ý>V_ ‡

1,000 rupees per year will fetch - Rs. 10, 65,308
• 2. ØÃ[Ä[ Ãõâ(Traditional Plan)

30 gõ|ï^ ïaÝm 60 kB]_ \V>D 1,000 ØÄKÝ]ªV_ þç¦ÂzD ÃðD
At 6% Interest Rate - 5,13,503; At 10% Interest Rate - 9,07,517
• 3. zwÍç>ïÓÂïVª ]â¦t|>o_ 10 x>_ 15 kò¦ºï^ Ãõâ káìßEÂïVï

ØïV|Âï©â½òÍþ[Åª.
Ö¼> káìßE 20 kò¦ºïáVï ÖòÍ>V_ ¨Ëká¡ þç¦Âz\ ¨[Ãç>¥D åVD ÿ¼w
ØïV|Ý]òÂþ¼ÅVD.
kâ½ sþ>D 10 kò¦ºï^ 15 kò¦ºï^ 20 kò¦ºï^
9% 3,82,172 7,38,562 12,86,912
15% 5,26,036 12,32,731 26,54,147
20% 6,88,622 19,10,920 49,52,388
• 4. Ro© ÃVoE ¨Ý>çª kò¦ºïÓÂz ¨|Âï© Ãâ½òÂþÅm ¨[Ãç>© ØÃV®ÝmÝ

>V[ z®þB ïVé ]â¦\V ¶_ém öç¦BìØ\õ¦ ©áVMºïV ¨ª Ø>ö¥D.
• 5. DRß·k_ Ãõç¦ s¦ Ro© ¶]ï\Vª öâ¦[ïçá >òD.
• DRß·k_ Ãõ¦ z®þB ïVéÝ]uzD, Àõ¦ ïVé ØÄVÝm còkVÂz>KÂzD ÃB[Ã|D
• kºþ kâ½ kò\VªD ¨[Ãm ¶kÄ«Â ïVéÝ]uz ¨ª 3 éâÄD kç« kºþ çk©A W]l_
¼ÄtÂï©ÃâÏòÂþÅm ¨[Ã¼>.
• Ä\ÃáD í|\ ØÃV¿m ¼Ät©AD íâ¦©Ã¦ ¼kõ|\. ¼Ät©Ãç© ØÃV®Ý> kç«
¼ÃVmD ¨ªþÅ \ª©ÃV[ç\ tï¡D >kÅVª>VzD.
• Ro© 30 kB]_ ¨|Âï©Ãâ½òÍ>V_ ¨Ëká¡ þç¦ÂzD.
30 kBm c^á ÎòkòÂz Ö®]BVï ÃVoE x½s_ þç¦ÂzD ÃðD ¨Ëká¡?
¸ZtBD ¸ZtBD ïâ|D kò¦ºï^ \u®D ÃVoE kò¦ºï^
15 kò¦ºï^ 20 kò¦ºï^ 30 kò¦ºï^
Ö[·R«[ü Ø>Vçï 3,60,000 4,80,000 7,20,000
48,000 gõ| 6% 9,36,236 13,92,020 26,60,907
¸ZtBD 10% 12,95,344 21,68,684 54,21,027
ÃâØÛâ½º ½©ü
⊗ ÃéòÂzD ¨[ª ØÄé¡ ØÄFþ¼ÅVD. ¨Ëká¡ ØÄé¡ ØÄFþ¼ÅVD ¨[Ã¼> Ø>öBVm.
⊗ åVD ÃVìÝ>m ¼ÃV_ >MÝ>MBVï ¶_é Ø\VÝ> ØÄé¡ ¨[ª ¨[Ãm í¦ Ø>öBVm.
⊗ å\Âz ¼å«D Ö_çéØBM_. Îò åV^ ÃâØÛâ >BVö©Ã>uïVï s|xçÅ ¨|©Ã]_ >k¤_çé.
⊗ Ö_çéØBM_. åVD öç¦Bì gzD ØÃV¿m Îò ½Ø«â t_oé {½Bm ¼ÃV[® {½lò©¬ìï^
⊗ ‡ tï¡D ¼ÄVìÍm ¼ÃVF Ãð sÄBÝ]_ ¨ºz mkºþÌìï¼áV ¶> Ö¦Ý]_ Wu¬ìï^.
⊗ ]ò\ðD gª ¸[. zwÍç>ï^ ¸ÅÍ> ¸[. AØ«V\Ä[ þç¦Ý> ¸[ ÎËØkVò xçÅ¥D ÃâØÛâ
\V®D.,
29
Magnum Investments
The Good, The Bad & The Ugly

- å_ém, ¼\VÄ\Vªm \u®D tï ¼\VÄ\Vªm.
å_é ÃâØÛâ ‡ \V¦_ ÃâØÛâ ‡ II ¼\VÄ\Vª ÃâØÛâ ‡ \V¦_ ÃâØÛâ ‡ III
]ò\ðÝ]uz x[ ]ò\ðÝ]uz x[
kBm 25 ‡ ÄDÃáD 20000 kBm 25 ‡ ÄDÃáD 20000
ÄDÃáD ‡ 18,000 ÄDÃáD ‡ 18,000
kºþ kâ½ ‡ 250 kºþ kâ½ ‡ 0
DRßÄk_ Ãõâ ½s¦õâ ‡ 250 DRßÄk_ Ãõâ ½s¦õâ ‡ 0
Ö>« kò\Vªºï^ ‡ 2,000 Ö>« kò\Vªºï^ ‡ 3,000
Ø\VÝ>D ‡ 20,500 Ø\VÝ>D ‡ 20,500
ØÄé¡ï^ ‡ ¼Ät©AÂïVï ØÄé¡ï^ ‡ ¼Ät©AÂïVï
¸¨© \u®\ ¸¸¨© ‡ 1,530 ¸¨© \u®\ ¸¸¨© ‡ 1,530
DRß·k_ \u®D ØÃ[Ä[ Ãõâ‡ 2,500 DRß·k_ \u®D ØÃ[Ä[ Ãõâ‡ 2,000
zwÍç>ïÓÂïVª ]â¦D (ØÄVÍ>\Vª zwÍç>ïÓÂïVª ]â¦D (ØÄVÍ>\Vª
Ro© ÃVoE) ‡ 2,000 Ro© ÃVoE) ‡ 0
Ro© Ö[·R«[ü ‡ 3,000 Ro© Ö[·R«[ü ‡ 2,000
Ø\VÝ>D ‡ 9,030 Ø\VÝ>D ‡ 5,530
Ø\VÝ>D 44% köÂï©AÅ\Vª kò\VªÝ]oòÍm Ø\VÝ>D 28.5% köÂï©AÅ\Vª kò\VªÝ]oòÍm
ØÄé¡ï^ ØÄé¡ï^
kò\Vª kö ‡ 0 kò\Vª kö ‡ 1,000
Ö>« ¸½Ý>ºï^ ‡ 1,000 Ö>« ¸½Ý>ºï^ ‡ 1,000
kV¦çï ‡ 2,000 kV¦çï, ‡ 3,000
gâ¼¦V Ö ¨D n, gâ¼¦V gâ¼¦V Ö ¨D n, gâ¼¦V
Ö[·R«[ü, ¼ÃVÂzk«Ým ‡ 2,000 Ö[·R«[ü, ¼ÃVÂzk«Ým ‡ 2,500
Tâ| ØÄé¡ï^, ØÄVÍ> ØÄé¡ï^ \u®D Tâ| ØÄé¡ï^, ØÄVÍ> ØÄé¡ï^ ‡ 4,000
>sìÂïÂí½B ØÄé¡ï^ ‡ 3,000 >sìÂïÂí½B ØÄé¡ï^ ‡ 4,000
Ø\VÝ>D ‡ 8,000 Ø\VÝ>D ‡ 15,500
ÃðD Öò©A ‡ 3,470 ÃuÅVÂzçÅ ‡ 530
♦ ]ò\ðÝ]uz x[ gâ¼¦V ï¦[ ♦ gâ¼¦V ï¦ÐD >sìÂïÂí½B
x½Ím s|D. kºþ ¼Ät©A ¶kÄ«Ý]uz ØÄé¡ïÓD tï¡D ¶]ïD
ÃB[Ã|D. ♦ ÃuÅVÂzçÅ ¨[Ãm ‡ þØ«½â ïVì|
♦ zwÍç>ïÓÂïVª ]â¦t|>_ mkºï©Ãâ| cÃ¼BVïD ï¦[ kVºzkm gþBçkïçá
sâ¦m. °u|ÝmD. ØÃu¼ÅVìïÓÂz c>k x½BVm.
♦ Ãð Öò©A ‡ þØ«½â ïVì| cÃ¼BVïÝç> ¶_ém ¶>uïVï ï¦[ kVºï ¼kõ|D.
>sìÂzD ¼\KD ØÃu¼ÅVìïÓÂz c>kéVD. ♦ kò\Vª köÂï©AÅD ¼Ät©A 28.5% gzD.
♦ kò\Vª köÂï©AÅD ¼Ät©A 44% gzD. ♦ kºþ ¼Ät©A Ö_çé.
zwÍç>ïÓÂïVª ¼Ät©¸öòÍm ¨Ëká¡ þç¦ÂzD ‡ Îò ÃVìçk

kâ½ sþ>D 10 kò¦Ý]_ 15 kò¦Ý]_ 20 kò¦Ý]_
9% 3,82,172 7,38,562 12,86,912
15% 5,26,036 12,32,731 26,54,147
20% 6,88,622 19,10,920 49,52,388
² ÃâØÛâ½º g«DÃÝ]_ ï½ªD. ï|ç\BVï xBuE ØÄF>V_ Øku¤ WßÄBD.
² Îò ïVéÝ]é ÃðÂïV«ìïáVï ÖòÍ> ÃéòD Ö[® ¶Í> Wçél_ Ö_çé ‡ Ö«õ| ïV«ðºï^
² Î[® >kÅVª x>Ü| \u®D ¶]ï\Vª ØÄé¡ï^.
² ÃðÂïV«ìïáVï Ø>V¦ìÍm Öò©Ã>uz å\m x>Üâ½_ Ø>V¦ìÍm ïkªD ØÄKÝ> ¼kõ|\.
² x>Üâ½oòÍm ÃðÝç> ¨|Ým ØÄé¡ ØÄFkm ¨[Ãm tï¡\ >k®.
² ÃðD å\m çÃloòÍm x>Üâç¦ ¼åVÂþ \â|¼\ ØÄ_é ¼kõ|D ‡ \® AÅÝ]_ x>Üâ½oòÍm å\m
çÃÂz k«¼k í¦Vm. Ø>V¦ìÍm ‡ kò\VªD ØÄVÝ>Vï \VÅ ¼kõ|D. ‡ ØÄVÝm kò\Vª\Vï \VÅÂí¦Vm.
² ÃâØÛâ½º ¼>çkBuÅ ØÄé¡ïçá ïâ|©|ÝmþÅm.
² ¼ïVÏük«ìï^ Ãâ½Bo_ ¼Ä« sòDAþÅkìï^ ïâ¦VBD ÃâØÛâ½ºçï ïâ¦VBD ØÄB_ Ã|Ý> ¼kõ|\.
² >k¤ªV_ cºïÓÂz ¼ïVÏük«ì gk]_ sò©Ãt_çé ¨[¼Å ØÄV_é ¼kõ|D.
² ÃâØÛâ½Bº ¨[Ãm Ã_¼k® ØÄésªºïçá Î¿ºz Ã|Ý], ¼>çkBVª xÂþB\Vª ØÄé¡ïÓÂz
xÂþBÝmkD ØïV|©Ã>[ JéD ¼>çkBVª ¼Ät©Aïçá c®] ØÄFþÅm.
30
Magnum Investments
å_é ÃâØÛâ½[ Ø>V¦ìßE

\u®D tï ¼\VÄ\Vª ÃâØÛâ
å_é ÃâØÛâ Ø>V¦ìþÅm. ÃâØÛâ ‡ II ¼\VÄ\Vª ÃâØÛâ ‡ tï ¼\VÄ\Vª
ÃâØÛâ¦Vï \V®>_ ‡ \V¦_ ÃâØÛâ ‡ IV
]ò\ðÝ]uz© ¸[ ]ò\ðÝ]uz© ¸[
kBm 30 ‡ Ø\VÝ> ÄDÃáD 30000 kBm 30 ‡ Ø\VÝ> ÄDÃáD 28500
ÄDÃáD ‡ 26,000 ÄDÃáD ‡ 26,500
kºþ kâ½ ‡ 1,000 kºþ kâ½ ‡ 0
DRßÄk_ Ãõâ ½s¦õâ ‡ 1,000 DRßÄk_ Ãõâ ½s¦õâ ‡ 0
Ö>« kò\Vªºï^ ‡ 2,000 Ö>« kò\Vªºï^ ‡ 2,000
Ø\VÝ>D ‡ 30,500 Ø\VÝ>D ‡ 28,500
ØÄé¡ï^ ‡ ¼Ät©AÂïVï ØÄé¡ï^ ‡ ¼Ät©AÂïVï
¸¨© \u®\ ¸¸¨© ‡ 2,030 ¸¨© \u®\ ¸¸¨© ‡ 2,030
DRß·k_ \u®D ØÃ[Ä[ Ãõâ‡ 2,500 DRß·k_ \u®D ØÃ[Ä[ Ãõâ‡ 2,500
zwÍç>ïÓÂïVª ]â¦D (ØÄVÍ>\Vª zwÍç>ïÓÂïVª ]â¦D (ØÄVÍ>\Vª
Ro© ÃVoE) ‡ Ø>V¦ìþÅm ‡ 2,000 Ro© ÃVoE) ‡ 0
Ro© A]B Ö[·R«[ü ‡ x¿ g¥^ ÃVmïV©A Ro© Ö[·R«[ü ‡ A]Bm ‡ 2,000
‡ 5,000 Tâ|Â ï¦[ ¶Ä_ ‡ 3,000
Tâ|Â ï¦[ ¶Ä_ ‡ 2,000 Ø\VÝ>D ‡ 9,530
Ø\VÝ>D ‡ 11,030 Ø\VÝ>D 33.5% köÂï©AÅ\Vª kò\VªÝ]oòÍm
Ø\VÝ>D 47.5% köÂï©AÅ\Vª kò\VªÝ]oòÍm
ØÄé¡ï^ ØÄé¡ï^
kò\Vª kö ‡ 2,000 kò\Vª kö ‡ 2,000
Ö>« ¸½Ý>ºï^ ‡ Tâ| ï¦ÐÂïVª kâ½ Ö>« ¸½Ý>ºï^ ‡ Tâ| ï¦ÐÂïVª kâ½
câÃ¦ ‡ 4,250 câÃ¦ ‡ 6,250
gâ¼¦V Ö[·R«[ü, ¼ÃVÂzk«Ým‡ 300 gâ¼¦V Ö[·R«[ü, ¼ÃVÂzk«Ým‡ 500
ØÄVÝm kö, ØÄVçÄâ½ ÄVìë ‡ 500 ØÄVÝm kö, ØÄVçÄâ½ ÄVìë ‡ 500
¶¦z Ö[·R«[ü, Tâ| Ã«V\ö©A, Tâ|ß ¶¦z Ö[·R«[ü, Tâ| Ã«V\ö©A, Tâ|ß
ÄV\V[ï^ ‡ 1,200 ÄV\V[ï^ ‡ 1,000
zwÍç>ï¹[ Ã½©¸uïVï ‡ 1,000 zwÍç>ï¹[ Ã½©¸uïVï ‡ 0
Tâ| ØÄé¡ï^, ‡ 4,250 Tâ| ØÄé¡ï^, ‡ 5,750
ØÄVÍ> ØÄé¡ï^ ‡ 1,500 ØÄVÍ> ØÄé¡ï^ ‡ 2,500
>sìÂïÂí½B ØÄé¡ï^ ‡ 1,000 >sìÂïÂí½B ØÄé¡ï^ ‡ 2,500
Ø\VÝ>D ‡ 16,000 Ø\VÝ>D ‡ 21,000
ÃðD Öò©A ‡ 970 ÃðD ÃuÅVÂzçÅ ‡ 2,030
♦ E¤B Tâ|Â ï¦[ kò\Vª kö ¼Ät©¸uïVï ♦ gâ¼¦V ï¦ÐD Tâ|Â ï¦ÐD
♦ c¦ª½BVï gâ¼¦V ï¦[ ¨|Âï©Ã¦s_çé. ¶]ï\Vï ¨|Âï© Ãâ|^ám. Öm cºï^
¼Ät©A ]Åçª zçÅÝm s|\.
♦ x>_ Ro© ÃVoE 5 kò¦ºï^ ¼Ät©A
x½Ím A]B x¿ g¥^ ÃVmïV©¸uïVª ♦ Öm ÄöBVª åç¦xçÅ ¶_é. °ØªM_
A]B ÃVoE mkºï©Ãâ|^ám. ‡ Öm ]ò\ðÝ]uz x[A >V[ ¶]ï\Vª Ãð\
öç¦BìØ\õâ ¸áVMºþuïVï¡D ÃB[Ã|D. ¼ÄtÂï©Ã¦ ¼kõ|\.
♦ DRßÄk_ Ãõâ ¶kÄ« ØÄé¡ïÓÂïVï¡D ♦ ÃuÅVÂzçÅ ¨[Ãm ‡ þØ«½â ïVì|
\u®D ØÄVÝm ¼Ät©Ã>uïVï¡D ÃB[ Ã|D. cÃ¼BVïD ï¦[ kVºzkm gþBçkïçá
°u|ÝmD. ØÃu¼ÅVìïÓÂz c>k x½BVm.
♦ ¸¸¨© \u®D ØÃ[Ä[ ÃðD 60 kBm kç«l_ ¶_ém ¶>uïVï ï¦[ kVºï ¼kõ|D.
¨|Âï©Ã¦V\_ ¼ÄtÂï©Ã|D.
♦ kºþ ¼Ät©A Ö_çé.
♦ ÄDÃáD í|D ØÃV¿m ¸¸¨© \u®D
ØÃ[Ä[ ¶]ïöÂï ¼kõ|D. ♦ Ø¦ìD Ö[·R«[ü, Ø\½ ÂçáD Ö_çé.
♦ Ã½©A ØÄé¡ mkºz\ kç«l_ ÄDÃáD ♦ zwÍç>ïÓÂïVª ¼Ät©A Ö_çé.
cBòD kç«l_ Ø¦ìD Ö[·R«[ü ♦ zwÍç>ïÓÂïVª Ã½©Aß ØÄé¡ÂïVª
\u®D Ø\½ ÂçáD ÃVoEïÓÂz °uÃV| Ö_çé.
ÃB[ Ã|Ý>éVD. ♦ kò\Vª kö ¼Ät©¸uïVï ¼ÄtÂï©Ãâ|^ám.
♦ Ãð Öò©A ‡ þØ«½â ïVì| cÃ¼BVïÝç> ♦ kò\Vª köÂï©AÅD ¼Ät©A 33% ÖòÍ>VKD
>sìÂzD ¼\KD ØÃu¼ÅVìïÓÂz c>kéVD. Àõ¦ ïVé ]â¦t|>_ Ö_çé. ¨©ØÃV¿m
♦ kò\Vª köÂï©AÅD ¼Ät©A 47.5% gzD. ¼kõ|\VªVKD ¼Ät©A ØÄékaÂï©Ã¦éVD.
31
Magnum Investments
COMPOUND INTEREST RATE PRESENTATION
Systematic Investment of Rs. 1000 every month and Compounded Returns @ 18%
16000000
Amount Invested
14000000
Total Accumulation
12000000
10000000
8000000
6000000
4000000
2000000
0
ea 0
Y ar 11
ea 2
e 3
ea 4
e 5
e 6
ea 7
e 0
Y ar 8
ea 19
ea 1
Y ar 5
0
e 2
ea 3
e 4
ea 26
e 7
e 8
ea 9
Y ar 1
Y ar 2
Y r3
e 4
Y ar 5
Y ar 6
Y ar 8
Y ar 19
Y ar 7
e 1
Y r1
Y ar 1
Y r1
Y ar 1
Y ar 1
Y r1
Y r2
Y ar 2
Y r2
Y ar 2
Y r2
Y ar 2
Y r2
Y ar 2
Y ar 2
r3
Y ar
Y ear
ea
Y r
e
e
e
e
e
e
Y
(18%
Compound) Amount Invested Total Accumulation Interest Accumulation
Year 1 12000 13236.83 1236.83

Year 2 24000 29063.02 5063.02
Year 3 36000 47985.11 11985.11
Year 4 48000 70608.70 22608.70
Year 5 60000 97657.87 37657.87
Year 6 72000 129998.36 57998.36
Year 7 84000 168665.23 84665.23
Year 8 96000 214896.04 118896.04
Year 9 108000 270170.44 162170.44
Year 10 120000 336257.51 216257.51
Year 11 132000 415272.42 283272.42
Year 12 144000 509744.09 365744.09
Year 13 156000 622696.12 466696.12
Year 14 168000 757743.63 589743.63
Year 15 180000 919208.88 739208.88
Year 16 192000 1112259.67 920259.67
Year 17 204000 1343074.70 1139074.70
Year 18 216000 1619041.35 1403041.35
Year 19 228000 1948992.09 1720992.09
Year 20 240000 2343487.19 2103487.19
Year 21 252000 2815152.69 2563152.69
Year 22 264000 3379084.55 3115084.55
Year 23 276000 4053331.72 3777331.72
Year 24 288000 4859473.88 4571473.88
Year 25 300000 5823312.11 5523312.11
Year 26 312000 6975694.60 6663694.60
Year 27 324000 8029504.06 8353504.06
Year 28 336000 9664838.08 10000838.08
Year 29 348000 11622420.56 11970420.56
Year 30 360000 13965289.17 14325289.17
32
Magnum Investments
¨Ëká¡ ¼ÄtÂï ¼kõ|D?

♦ å\m x>_ ÄDÃáD þç¦Ý c¦¼ª¼B ¼ÄtÂï ¼kõ|D.
♦ Ö_çéØBM_ ‡ tï ¶]ï\Vª Ø>Vçïçá åVD ¼ÄtÂï ¼kõ|\.
♦ céþ¼é¼B ÖÍ]Bìï^ tï ¶]ï\Vï ¼ÄtÂzD ÃwÂï\ c^ákìï^ ‡ ¶kìï^
>uØÃV¿m ¼\KD ¶]ï\Vï ¼ÄtÂïÝ mkºþ¥^áVìï^ ¨[Ãm >ïk_.
♦ >uØÃV¿m céþ¼é¼B Ö«õ¦Vkm Ö¦Ý]_ ÖòÂþÅVìï^.
Indians have been saving more and . . . And Indians are in se cond spot
more . . .
60
Savings as a % of GDP
50
35 50
Savings at a % of G DP
30 40 32.4
25 28.4
30 23.7
20 19.1
2003-04, 2004-05, 2005-06, 20 15 12.8
2002
15 -03, 32.4
29.7 31.1
10
1026.4
5 0
S
y
ce
a
0
ia
an
n
pa
d
an
hi
In
m
Ja
C
2002 -03 2003-04 2004-05 2005-06
Fr
er
G
Year Country
.
Ã_¼k® s>\Vª ØÄVÝmï¹_ x>Ü| ØÄF¥D sk«ºïá..
. . . Ye t the y mainly sav e in low-

yie lding inv e stme nt options.
Bank Depos its 55.62

Asset Classes
Non-Bank Depos its 0.12

Life Insurance 15.01
PF and Pension Fund 9.17
Shares and Debuntures 6.36
Units of UTI 0.04
0 20 40 60
% of savings invested in vaious asset-classes
33
Magnum Investments
EARLY BIRD LATE BLOOMER FINAL CHARGER

% of Net Income
% of Net Income Saved % of Net Income Saved
Saved
Tubsujoh!Bhf! ! Tubsujoh!Bhf! ! Tubsujoh!Bhf!

25 25 25
Age
26 26 26
25 - 30
27 27 27
28
29
20% 28
29
28
29
30 30 30
31 31
31 32 32
32 33 33
33 34 34
34 Age 35 35
35 31 - 40
36
37 25% 36
37
Age
36 - 40
36
37
38 38 38
39
40
39
40
30% 39
40
41
41 41 42
42 42 43
43 43 44
Age Age
44 41 - 50 44 41 - 50 45
45 45
46
47
48
30% 46
47
48
40% 46
47
48
Age
41 - 50
49
50
49
50
49
50
40%
51 51 51
52 52 52
53 53 53
Age Age Age
54 51 - 60 54 51 - 60 54 51 - 60
55 55 55
56
57
58
50% 56
57
58
50% 56
57
58
50%
59 59 59
60 60 60
Average Saving Rate 35% Average Saving Rate 42% Average Saving Rate 47%
34
Magnum Investments
Øk_Ý \V¼ªëØ\õâ
♦ ¼−ì \VìÂØïâ½_ x>Üâç¦© Ãu¤ åVD sökVï Ø>öÍm ØïV^k>uz x[ªV_
♦ åVD E¤>á¡ Øk_Ý \V¼ªëØ\õâç¦© Ãu¤ Ø>öÍm ØïV^km ¶kEBD
♦ ÖÍ]Bìï^ ¼Ät©¸_ tï¡D EÅÍ>kìï^
♦ 25% kç« ¼ÄtÝm kÍ>kìï^ >uØÃV¿m 31% kç« ¼ÄtÂïÝ mkºþlòÂþÅV_ï^
♦ gªV_ ¶kìïÓç¦B ¼Ät©¸_ ÃV]Âz ¼\_ kºþ, ¼ÃVüâ g¬ü ¼ÃV[Å kâ½ sþ>D
tï¡D zçÅkVïÂ ØïV|ÂïÂ í½B ÃVmïV©A tzÍ> Ö¦ºï¹¼é¼B ¼ÄtÂþÅVìï^..
♦ ¼−ì \VìÂØïâ½_ x>Ü| ØÄFkm Ãé \¦ºz ¶]ïöÝ]òÂþÅm ¨[ÅVKD ‡ kºþ
¼ÃVªÅ ÃÝ]«\Vª Ö¦ºï¹_ ¼Ät©Ãm >V[ ¶]ï\Vï ÖòÍm kòþÅm.
♦ Ãð TÂïD å\m ¼Ät©¸uz þç¦ÂzD kò\VªÝç> s¦ ¶]ï\Vï ÖòÂz\VªV_
å\ÂzÂ þç¦ÂzD Wï« kò\VªD zçÅÍm s|D.
♦ EÅ©ÃVª kò\VªD å\Âz þç¦Ým ÃðTÂïÝç> >VÂz© ¸½Âï ¼kõ|Ø\M_
¼−ì \VìÂØïâ½_ x>Ü| ØÄFkm EÅÍ>m.
♦ gªV_ å\m ÃðD x¿kç>¥ åVD ¼−ì \VìÂØïâ½_ x>Ü| ØÄFB x½BVm.
♦ Ã_¼k® x>Üâ|Ý ]â¦ºï¹¼¦¼B ÃþìÍ>¹ÂzD xçÅçBÝ >V[ åVD
‡ ¶Ä¦ ¶¼éVÂ¼ïÄ[ ‡ (Asset Allocation) - ¨[® í®þ¼ÅVD.
Öºz ¶ØÄâ þáVÄü ‡ öüÂ öâ¦[ AØ«VçÃ_ ‡¨[Ãç> ØïV|Ým^¼áVD.
35
Magnum Investments
\V]ö Øk_Ý \V¼ªëØ\õâ

• Îò ÄöBVª Øk_Ý \V¼ªëâØ\õâç¦ ïç¦©¸½Âï ¼kõ|Ø\M_
• ¶çªÝz s>\Vª ]â¦ºï¹KD x>Ü| ¼>çk.
• ¨]_ ¨Ëká¡ x>Ü| ØÄFB ¼kõ|D ¨[Ã]uz ØÃVmkVª ÃVìxéV þç¦Bm.
x>Ü| ÃþìÍ>¹ÂzD xçÅ ¶çªkòÂzD ØÃVmkVªm ¶_é ‡ ÖkuçÅ ïðÂþ¦,
ÿμÂ ïõ¦ sk«ºï^ x¿ç\BVï þç¦Ý>V¼é åVD ÄöBVï ïèÂï x½¥D.
♦ cºïÓç¦B kò\VªD,
♦ cºïÓç¦B z|DÃ Wçéç\ï^, ¨Ý>çª zwÍç>ï^, ¶kìïÓç¦B kBm)
♦ cºïÓç¦B Ö[çÅB kBm,
♦ cºïÓç¦B öüÂ ¨|ÂzD >[ç\,
♦ cºïÓç¦B ¨]ìïVé ]â¦ºï^,
♦ Àºï^ öç¦Bì gzD kBm ‡ Àºï^ Ö[ÐD ¨Ý>çª kò¦ºï^ ÄDÃV]©¬ìï^,
♦ Àºï^ ØÄKÝm\ kò\Vª kö sþ>D,
♦ Ö[çÅB ÃðTÂïD,
♦ ¨]ì ïVéÝ]_ åVD ¨]ìÃVìÂzD ÃðTÂïD,
♦ Ö[ÐD Ö[ª ¸Å ïV«ðºïçá çkÝ¼> åVD x½¡ ØÄFB x½¥D.
ÖkuçÅ ]ÅDÃ¦ ØÄFÃkìï¼á ‡ Ö[® E ¨© ¸ ‡ (CFP – Certified Financial Planner) - ¨[®

ØÄV_éÂ í½B k_Kåìï^ EÅ©ÃVï ØÄB_Ã|þÅVìï^.
cºïÓÂïVï, ‡ \V]ö (Cash Flow Statement) - ïVi A¼áV ü¼¦âØ\õâç¦ ØïV|Âþ¼ÅVD

♦ 22 kB]_ ÄDÃV]ÂïÝ mkºzþÅVì.‡ Ökì ÃVmïV©ÃVª Ö¦ºï¹_ >ªm ¼Ät©A 30% kç«
ÖòÂï ¼kõ|\ ¨ª sòDAþÅVì.22 kB]_ ÄDÃáD gõ| kò\VªD ‡ 2,70,000;
kò\Vª köçBÝ >sì©Ã>uïVï 1 éâÄ\ kç« x>Ü| ØÄFþÅVì.
♦ 25 kB]_ gõ| kò\VªD ‡ 3,60,000 ‡ ¼ÃVüâ ¦VÂü Ö[ïD ‡ 3,00,000
♦ 30 kB]_ gõ| kò\VªD ‡ 5,00,000 ‡ ¼ÃVüâ ¦VÂü Ö[ïD ‡ 4,00,000
♦ ]ò\ðÝ]uz x[ ‡ gõØ¦V[®Âz 40% kç« ‡ 1.6 éâÄD ¼ÄtÂï sòDAþÅVì.
♦ ¼ÄtÂzD ]â¦ºï^ ‡ ¶çªÝmD Ö[·R«[ü ]â¦ºï¼á gzD. ‡
♦ 30% kç«l_ ¨õ¼¦VØ\õâ ÃVoEï¹_ ¼ÄtÂï sòDAþÅVì.
♦ ¶kì ¼ÄtÂïÝ mkºzD x>_ ÃVoE¼B ¨õ¼¦VØ\[â x¿ g¥^ ÃVoE gzD.
♦ 22 kB]_‡x>_ ]â¦D x¿ g¥^ ÃVmïV©A ‡ ¨õ¼¦VØ\õâ ©áV[ ‡ kò¦D 34,800
♦ ‡ 2 km ¶kÄ« ØÄé¡ï^ \u®D Ç¡Eº ¼éVÐÂïVª Ro© ÃVoE ‡ kò¦D 30,000
♦ ‡ 3 km DRß·k_ Ãõâ ‡ ~zlâ½ ç¦kìEçÃâ ‡ kò¦D 12,000
♦ 23 kB]_ ‡ 4 km DRß·k_ Ãõ¦ ‡ ~zlâ½ ç¦kìEçÃâ ‡ kò¦D 12,000
♦ 24 kB]_ ‡ 5k>Vï ‡ ¨õØ¦VØ\õâ ÃVoE ‡ ¼ïV_¦[ ÖBìü ‡ kò¦D 13,000
♦ 25 kB]_ ‡ 6 k>Vï ØÃ[Ä[ Ãõâ, Ro© ÃVoE ‡ kò¦D 15,000
♦ 26 kB]_ ‡ 7 km zwÍç>ïÓÂïVª ]â¦t¦_ Ro© ÃVoE ‡ kò¦D 15,000
♦ 27 kB]_ ‡ 8 km x¿ g¥^ ÃVmïV©A Ro© ÃVoE ‡ kò¦D 60,000
Öçk ¶çªÝç>¥D Îò ïVi ©¼áV ‡(Cash Flow Statement) - k½kÝ]_ ØïV|Ým^¼áVD.
36
Magnum Investments
g¥^ ÃVmïV©¬| ‡ \ïV çk© 4,00,000 + ¼ïV_¦[ ÖBìü ‡ 5,00,000

+ 22 kB]_ ¨|Âï©Ãâ¦ Ro© 4,50,000 + 25 kB]_ ¨|Âï©Ãâ¦ Ro© 4,50,000
+ 26 kB]_ ¨|Âï©Ãâ¦ Ro© ‡4,50,000 + Ro© x¿ g¥^ ÃVmïV©A ÃVoE 12,90,000
= Ø\VÝ>D 35,40,000
PREMIUM Returns Draw Net Premium
Age Whole ULIP 30 Mutual Golden ULIP Total 6% 10% From 6% 10%
Life Plan Year Fund Years Whole Premium Maha Maha Mutual
Plans Life Life Life Funds
22 -34800 -30000 -12000 -76800 -76800 -76800
23 -34800 -30000 -24000 -88800 -88800 -88800
24 -34800 -30000 -24000 -14351 -103151 -103151 -103151
25 -34800 -45000 -24000 -14351 -118151 -118151 -118151
26 -34800 -60000 -24000 -14351 -133151 -133151 -133151
27 -34800 -30000 -24000 -14351 -60000 -163151 -163151 -163151
28 -34800 -30000 -24000 -14351 -60000 -163151 2800 12400 -160351 -150751
29 -34800 -30000 -24000 -14351 -60000 -163151 2800 12400 -160351 -150751
30 -34800 -30000 -24000 -14351 -60000 -163151 2800 12400 -160351 -150751
31 -34800 -30000 -24000 -14351 -60000 -163151 2800 12400 10000 -150351 -140751
32 -34800 -30000 -24000 -14351 -60000 -163151 25600 44800 20000 -117551 -98351
33 -34800 -30000 -24000 -14351 -60000 -163151 25600 44800 20000 -117551 -98351
34 -34800 -30000 -24000 -14351 -60000 -163151 25600 44800 20000 -117551 -98351
35 -34800 -30000 -24000 -14351 -60000 -163151 25600 44800 20000 -117551 -98351
36 -34800 -30000 -24000 -14351 -60000 -163151 25600 44800 20000 -117551 -98351
37 -30000 -24000 -14351 -68351 25600 44800 20000 -22751 -3551
38 -30000 -24000 -14351 -68351 25600 44800 20000 -22751 -3551
39 -30000 -24000 -14351 -68351 25600 44800 20000 -22751 -3551
40 -30000 -24000 -14351 -68351 25600 44800 20000 -22751 -3551
41 -30000 -24000 -14351 -68351 25600 44800 20000 -22751 -3551
42 -30000 -24000 -14351 -68351 28400 57200 20000 -19951 8849
43 -30000 -24000 -14351 -68351 28400 57200 20000 -19951 8849
44 -30000 -24000 -14351 -68351 28400 57200 20000 -19951 8849
45 -30000 -24000 -14351 -68351 28400 57200 20000 -19951 8849
46 -30000 -24000 -14351 -68351 28400 57200 20000 -19951 8849
47 -30000 -24000 -14351 -68351 28400 57200 20000 -19951 8849
48 -30000 -24000 -14351 -68351 28400 57200 20000 -19951 8849
49 -30000 -24000 -14351 -68351 28400 57200 20000 -19951 8849
50 -30000 -24000 -14351 -68351 28400 57200 20000 -19951 8849
51 -30000 -24000 -14351 -68351 28400 57200 20000 -19951 8849
52 -30000 -24000 -14351 -68351 28400 57200 20000 -19951 8849
53 -30000 -24000 -14351 -68351 28400 57200 20000 -19951 8849
54 -30000 -24000 -14351 -68351 28400 57200 20000 -19951 8849
55 -30000 -24000 -14351 -68351 28400 57200 20000 -19951 8849
56 -15000 -24000 -14351 -53351 28400 57200 10000 -14951 13849
57 -24000 -14351 -38351 28400 57200 -9951 18849
58 -24000 -14351 -38351 28400 57200 -9951 18849
59 -24000 -14351 -38351 28400 57200 -9951 18849
60 -24000 -14351 -38351 28400 57200 -9951 18849
♦ 31 kB]oòÍm ¶kÄ«Ý]uz ¨|Âï©Ã|D ÃðD Îò DRß·k_ Ãõâ½oòÍm ¨|Âï©Ã|þÅm.

♦ \uØÅVò Ãõ½oòÍm Ö®]BVï þç¦ÂzD ÃðD ‡ 67581244
ÃVoEl[ ØÃBì 6% 10%
22kBm Ro© 52 kB]_ þç¦ÂzD ÃðD 283175 919331
24kBm ¼ïV_¦[ ÖBìü 60 kB]_ þç¦ÂzD ÃðD 1584686 3544885
Ro© ¼ïV_â 60 kB]_ þç¦ÂzD ÃðD - 10 kò¦D ÃðD 2003404 5993881
Ro© ¼ïVéâ 60 kB]_ þç¦ÂzD ÃðD - x¿ g¥^ Ãð\ 4557511 10380474
Ø\VÝ>D 10214974 23938079
♦ Ro© ¼ïV_â 10 kò¦D Ãð\ ïâ½ 100 kB]_ þç¦ÂzD ÃðD 6% ‡ 12401783; 10% ‡ 169834884
♦ Ro© ¼ïV_â x¿ g¥^ ÃðD ïâ½ 100 kB]_ þç¦Âz\ ÃðD 6% ‡ 36190370; 10% ‡ 315696614
37
Magnum Investments
x>o_ ïâ|D 30,000 Ro© 5 kò¦ôï^ \â|D ïâ¦©Ã|þÅm. ‡ Ç¡Eº ¼éV[ kVºï ÃB[Ã|D
‡ x¿ ÃðD ¨|Ým sâ¦V_ Ö[·R«[ü zçÅÍm s|D.‡ ¨ª¼k 2 ¸ZtBD *>D çkÂï ¼kõ|D.
\ïV çé© ÃVoEloòÍm 100 kBm kç«l_ ØÃ[Ä[ kòD. ‡ kVö·ïÓÂz 4,20,000 þç¦ÂzD.
Ö¼> ¼Ät©çÃ 3 kò¦D >V\>V\Vï mkºþªV_ ¨Ëká¡ þç¦ÂzD?

PREMIUM Returns Draw Net Premium
Age Whole ULIP 30 Mutual Golden ULIP Total 6% 10% From 6% 10%
Life Year Plans Fund Years Whole Premium Mutual
Plan Life Funds
25 -35158 -30000 -12000 -77158 -77158 -77158
26 -35158 -30000 -24000 -89158 -89158 -89158
27 -35158 -30000 -24000 -16796 -105954 -105954 -105954
28 -35158 -45000 -24000 -16796 -120954 -120954 -120954
29 -35158 -60000 -24000 -16796 -135954 -135954 -135954
30 -35158 -30000 -24000 -16796 -60000 -165954 -165954 -165954
31 -35158 -30000 -24000 -16796 -60000 -165954 2800 12400 -163154 -153554
32 -35158 -30000 -24000 -16796 -60000 -165954 2800 12400 -163154 -153554
33 -35158 -30000 -24000 -16796 -60000 -165954 2800 12400 -163154 -153554
34 -35158 -30000 -24000 -16796 -60000 -165954 2800 12400 10000 -153154 -143554
35 -35158 -30000 -24000 -16796 -60000 -165954 25600 44800 20000 -120354 -101154
36 -35158 -30000 -24000 -16796 -60000 -165954 25600 44800 20000 -120354 -101154
37 -35158 -30000 -24000 -16796 -60000 -165954 25600 44800 20000 -120354 -101154
38 -35158 -30000 -24000 -16796 -60000 -165954 25600 44800 20000 -120354 -101154
39 -35158 -30000 -24000 -16796 -60000 -165954 25600 44800 20000 -120354 -101154
40 -30000 -24000 -16796 -70796 25600 44800 20000 -25196 -5996
41 -30000 -24000 -16796 -70796 25600 44800 20000 -25196 -5996
42 -30000 -24000 -16796 -70796 25600 44800 20000 -25196 -5996
43 -30000 -24000 -16796 -70796 25600 44800 20000 -25196 -5996
44 -30000 -24000 -16796 -70796 25600 44800 20000 -25196 -5996
45 -30000 -24000 -16796 -70796 28400 57200 20000 -22396 6404
46 -30000 -24000 -16796 -70796 28400 57200 20000 -22396 6404
47 -30000 -24000 -16796 -70796 28400 57200 20000 -22396 6404
48 -30000 -24000 -16796 -70796 28400 57200 20000 -22396 6404
49 -30000 -24000 -16796 -70796 28400 57200 20000 -22396 6404
50 -30000 -24000 -16796 -70796 28400 57200 20000 -22396 6404
51 -30000 -24000 -16796 -70796 28400 57200 20000 -22396 6404
52 -30000 -24000 -16796 -70796 28400 57200 20000 -22396 6404
53 -30000 -24000 -16796 -70796 28400 57200 20000 -22396 6404
54 -30000 -24000 -16796 -70796 28400 57200 20000 -22396 6404
55 -30000 -24000 -16796 -70796 28400 57200 20000 -22396 6404
56 -30000 -24000 -16796 -70796 28400 57200 20000 -22396 6404
57 -30000 -24000 -16796 -70796 28400 57200 20000 -22396 6404
58 -30000 -24000 -16796 -70796 28400 57200 20000 -22396 6404
59 -15000 -24000 -16796 -55796 28400 57200 10000 -17396 11404
60 -24000 -16796 -40796 28400 57200 -12396 16404
♦ Ro© ¼ïV_â 10 kò¦D Ãð\ ïâ½ 100 kB]_ þç¦ÂzD ÃðD 6% ‡ 11279951; 10% ‡ 143544627
♦ Ro© ¼ïV_â x¿ g¥^ ÃðD ïâ½ 100 kB]_ þç¦©Ãm 6% ‡ 32873804; 10% ‡ 266936028
♦ \uØÅVò Ãõ½oòÍm Ö®]BVï þç¦ÂzD ÃðD ‡ 67581244
ÃVoEl[ ØÃBì 6% 10%
27kBm ¼ïV_¦[ ÖBìü 60 kB]_ þç¦ÂzD ÃðD 1454961 3051993
Ro© ¼ïV_â 60 kB]_ þç¦ÂzD ÃðD - 10 kò¦D ÃðD 1822032 5069050
Ro© ¼ïVéâ 60 kB]_ þç¦ÂzD ÃðD - x¿ g¥^ Ãð\ 4036963 8668288
Ø\VÝ>D 8928880 20102113
38
Magnum Investments
Ãºz x>Ü| EÅÍ>>V?

¨Í> ¶ásuz Ö]_ ¨©ØÃV¿m, ¨©Ã½ x>Ü| ØÄFBéVD?
cºï¹[ x>Ü| Ãºzß ÄÍç>l_ (~zlâ½_) 10 kò¦ºïÓÂzß ØÄFB©Ãâ½òÍ>V_.
‡ gõ|Â íâ|ß Ä«VÄö ÖéVÃ sþ>©Ã½ ¨Ëká¡ þç¦ÂzD.
- i.e., Compounded Annualized returns for the period
gõ| Ä>T>D
1981 –90 23.28%
1982 –91 30.87%
1983 –92 34.28%
1984 –93 35.91%
1985 –94 35.54%
1986 –95 26.78%
1987 –96 27.63%
1988 –97 22.55%
1989 –98 28.86%
1990 - 99 23.16%
1991 - 00 20.07%
1992 - 01 21.84%
1993 – 02 31.80%
1994 – 03 34.99%
1995 – 04 38.24%
x>Üâ¦Váì ¼\uØÄV[ª 10 kò¦ ïVéÝ]uz ‡ ¨Í> Îò ïVéïâ¦Ý]_ x>Ü|
ØÄF]òÍ>VKD, zçÅÍ> ÃâÄD 20% ÖéVÃD ¶kòÂz þç¦Ý]òÂzD.
¼\uïõ¦ ïVéºï¹_ ØÄ[ØÄÂü ÄV>ï\Vª Wçéç\ïçá¥D, ÃBºï«\Vª Äö¡ïçá¥D
ÄÍ]Ým^ám. (kìÝ>ï »w_ïáVª Çì−Ý ¼\Ý>V \u®D Ã¼«Â Ãºz Äö¡ï^)
c>V«ð\Vï 1990 ‡ 99 ïVé ïâ¦D ÖËs«õ| Äö¡ïçá¥D >Võ½
23% éVÃÝç> ØÄ[ØÄÂü ØÃu®Ý>Í]òÂþÅm.
Îò kò¦D x>Ü| ØÄF>V_ 5 kò¦ºï^ x>Ü| ØÄF>V_ 12 kò¦ºï^ x>Ü| ØÄF>V_
-60% -5%
+5%
+270% +60% +50%
15 kò¦ºï^ x>Ü| ØÄF>V_ 25 kò¦ºï^ x>Ü| ØÄF>V_
+ 12% + 15%
+28% +20%
39
Magnum Investments
Ö[çÅB cõç\ Wçéç\ ¨[ª?

• >u¼ÃVm kºþl[ W«Í>« çk©A kâ½ sþ>D 8% ‡ 9% kç« c^ám.
• ï¦Í> 25 gõ|ïVé A^¹ sk« ¶½©Ãç¦l_ ÖÍ]BVs[ ØÃVòáV>V«
Ö[çÅB káìßE Ø\VÝ> cuÃÝ] ]Å[ ‡ GDP) 4% ‡ 4.5% gï ÖòÍ> ¼ÃVm
cõç\ Ãºzß ÄÍç>l_ ØÄFB©Ã|D x>Ü| gõ|Âz 15.6% káìßEçB
Wçé ¨[ª? ØïV|Ým^ám.
• gªV_ >u¼ÃVm ÖÍ]B ØÃVòáV>V«Ý][ káìßE ( GDP) 8% ‡ 10%
¼åVÂþ ØÄ[® ØïVõ½òÂzD Wçél_ (~zlâ½l_) Ãºzß ÄÍç>l_
ØÄFB©Ã|D x>Ü| gõ|Âz 25% x>_ 30% ïâ¦VBD
kVμÂçïß Items 1987 - Rs. 1997 - Rs. 2007 - Rs. 2016 - Rs.
ØÄé¡ Tooth Paste 8 19 24 104
¶>Vkm Hamam soap 3 8 13 52
ÃðTÂïÝ][ Petrol 8 25.48 51.2 259.12
>VÂïD ¨Ëká¡ LPG Cylinder 56.15 137.85 310 830.80
ÖòÂzD? Zodiac Men’s Shirt 225 510 1280 2620
Ã_¼k® Schemes Returns Liquidity Insurance
mçÅï¹_ Pre - Tax Post - Tax
x>Ü| FD 8% 4.85% No No
ØÄF>V_ POMIS 8% 5.55% No No
¨Ëká¡ éVÃD RBI Relief Bonds 8% 5.55% No No
þç¦ÂzD. ULIP 20% 20% Yes Yes
ï¦Í> 25 gõ|ï¹_ Ã_¼k® x>Ü|ï¹_ þç¦Ým^á cõç\BVª kò\VªD
(Ãð TÂïÝç> ïðÂþ_ ØïVõ|)
1980 ‡ 2004 A^¹ sk« ¶½©Ãç¦l_
ÃðTÂïD ‡ 6.7%
>ºïD ‡ káìßE 5.7%‡ ÃðTÂïD ÀºïéVï Wï« káìßE ‡ 1.07%(‡)
kºþ çk©A ‡ káìßE 10.2% ‡ Ãð TÂïD ÀºïéVï Wï« káìßE ‡ 3.6%
ØÄ[ØÄÂü ‡ káìßE ‡ 15.6% ‡ Ãð TÂïD ÀºïéVï Wï« káìßE ‡ 8.9%
16
14
12
10
8
6 Growth
4 Net of Inflation
2
0
-2
Inflation 6.7% Gold 5.7% Bank FD BSE 15.6%
10.2%
Ãð TÂïÝ]uz ¨]«Vï å\m x>Ü| ká« ¼kõ|Ø\M_ ØÄ[ØÄÂü >s«

å\Âz ¼k® kaï^ cõ¼¦V !?
¼k® ¨]_ åVD x>Ü| ØÄF>VKD å\m ÃðD ïç«Ím ¼ÃVFs|D.
Îò ¼kçá öB_ ¨ü¼¦âç¦ ØÄ[ØÄÂEuz Ä\\Vï ïèÂïéVD ‡
gªV_ åVD WçªÂz\ ØÃV¿m åVD WçªÂzD sçé þç¦Âz\V ¨[Ãm ¼ï^sÂz¤¼B?
40
Magnum Investments
åVD ¼å«½BVï ¼−ìï¹_ x>Ü| ØÄFBéV\V, DRß·k_ Ãõ|ï^ JéD x>Ü|

ØÄFBéV\V, ¶_ém Ö[·R«[ü ïDØÃMï^ JéD x>Ü| ØÄFBéV\V?
‡ ¨[Ãm åD ¨_¼éVì \ª]KD ÖòÂz\ ¼ï^s
Îò ÄöBVª Øk_Ý \V¼ªëâØ\õâç¦ ïç¦©¸½Âï ¼kõ|Ø\M_ ¶çªÝ]KD

x>Ü| ¼>çk.
¨]_ ¨Ëká¡ x>Ü| ØÄFB ¼kõ|D ¨[Ã]uz ØÃVmkVª ÃVìxéV þç¦Bm.
Ö>uz,
cºïÓç¦B kò\VªD,
cºïÓç¦B z|DÃ Wçéç\ï^, (¶>Vkm ¨Ý>çª zwÍç>ï^, ¶kìïÓç¦B kBm ¨[ª)
cºïÓç¦B Ö[çÅB kBm,
Àºï^ öüÂ ¨|ÂzD >[ç\,
cºïÓç¦B ¨]ìïVé ]â¦ºï^,
Ö[ÐD Ö[ª ¸Å ïV«ðºïçá çkÝ¼> åVD x½¡ ØÄFB x½¥D.
g½â¦ìïçá© ¼ÃVé¼k, Ö[® ¸ªV[EB_ ©áVªìï^ Ö[® káìÍm kòþÅVìï^.

Ö[·R«[ü °ØÛõ|ï^ ÖÍ> sÄBºï¹_ ØïVÞÄD ¶ÐÃkD tÂïkìï^,
z¤©ÃVï ¨ºï^ ïDØÃM ¶âçkÄìï^ tïß EÅ©ÃVï¼k ÖÍ> ¼kçéçB ÃVìÂïÂ í½Bkìï^.
¨ª¼k ¶kìïÓç¦B c>s¥¦[ Àºï^ cºï^ ]â¦t|>çé Ø>V¦ìk¼> å_ém.
¨MÐD, å\Âz ¼å«½BVï ¼−ìï¹_ x>Ü| ØÄF¥D ¶ásuz Ö[ÐD ¶ÐÃkD Ö_çéØBM_,
DRß·k_ Ãõâ ¶_ém, Ö[·R«[ü mçÅïçá ¼>ìÍØ>|©Ãm >V[ å_ém.
Öºz åVºï^ DRß·k_ Ãõâ \u®D Ö[·R«[ü Ö«õ½[ éÃV åâ¦ºïçá© Ãu¤ Î«á¡ >òþ
¼ÅVD.
DRß·k_ Ãõ|D (Ã«üÃ« W] ]â¦ºï^) ‡ Ö[·R«[·D
Ro© DRß·k_ Ãõ|ï^
• J[® xçÅ Ãõ|ïçá åVD • Ãõ|ïçá \Vu¤Â ØïV^km
ÖékÄ\Vï \Vu¤Â ØïV^áéVD. ÖékÄ\_é. Ãõ|ï¹oòÍm Øk¹¼B®k>uzD
*õ|\ c^¼á ØÄ_k>uzD 3‡4% ØÄékVzD
• Ãõ|ïçá \Vu¤Â ØïV^ÓD ØÃV¿m • ~zlâ½ Ãõ|ï¹oòÍm þç¦ÂzD
kò\Vª kö þç¦BVm. éVÃD 10% kò\Vª köÂzâÃâ¦m.
• ¶«· ÃÝ]«ºï¹oòÍm þç¦ÂzD
kò\VªD å\m kò\VªÝ]_ ¼ÄìÂ©Ã|D.
• ¶>uzöB köçB åVD ØÄKÝ> ¼kõ|\.
• ¦V© ¶©ïÓÂz 1% \â|¼\ ØÄé¡ï^
• ¦V© ¶©ïÓÂz 2 ‡ 2.5% ØÄékVzD.
• Àõ¦ ïVéÝ ]â¦ºï^
• z®þB ïVé ]â¦ºï^
• g¥^ ÃVmïV©¬| ïâ¦VBD
• g¥^ ÃVmïV©¬| þç¦BVm.
• ÎËØkVò kò¦xD z¤©¸â¦
¼>]l_ ÃðD ïâ¦ ¼kõ|D ¨[Ãm • ïâ¦VBD ¼ÄtÂï ¼kõ|D ¨[Ãm
åDtç¦¼B ÃðD ¼ÄtÂzD þç¦BVm. ¨ª¼k åDtç¦B ¼ÄtÂzD
ÃwÂïÝç> ïâ¦VB\VÂzþÅm. ÃwÂïD ká«Vm.
DRß·k_ Ãõç¦¥D, Ö[·R«[çÄ¥D åVD \uØÅVò kalKD g«VBéVD.
Ö«õ½KD åVD z¤©¸â¦ Ø>VçïçB x>Ü| ØÄFm 10 kò¦ x½s_ 10% kâ½ ïðÂz
¼ÃVâ| ÃVìÝ>V_ Ö[·R«[E_ káìßE ¶]ïD ÖòÂzD.
¨ª¼k Ro© ÃVoEï¼á EÅÍ>çk.
1) åDtç¦¼B ¼ÄtÂzD ÃwÂïÝç> ïâ¦VB\VÂzþÅm.
2) g¥^ ÃVmïV©¬|D å\Âz ¼>çkBVª ¶á¡ ØÃu®Ý >òþÅm.
3) Àõ¦ ïVéÝ]_ ØÄé¡ï^ tï zçÅkVï ¸½ÂzD
4) ¶kÄ«ïVéÝ]uz ÃðÝç>¥D åVD ]òDÃ ¨|ÝmÂØïV^áéVD.
41
Magnum Investments
DRß·k_ Ãõ|ïÓÂzD ‡ ¶ku¤KòÍm þç¦ÂzD ½s¦õ|ïÓÂzD ‡ kö s]ÂzD xçÅï^

DRß·k_ Ãõ|ï¹oòÍm þç¦ÂzD ½s¦õâ \u®D kò\VªÝ]uz kò\Vª kö cõ¦V?
gD! Ö«õ½uz¼\ kò\Vª kö cõ|.
\VÅVï Ö[·R«[E_ þç¦ÂzD éVÃÝ]uz ¨Í>s>\Vª kö¥D þç¦BVm.
DRß·k_ Ãõ|Ý]â¦ºïÓÂïVª kò\Vª köl[ sþ>ºï^

Ãðâ ç¦© ¼−ìï¹_ x>Ü| Îò kò¦Ý]uz ¼\é Îò kò¦Ý]uz^
ØÄFB©Ãâ|^á ¶á¡ % çkÂï©Ãâ¦çkÂz çkÂï©Ãâ¦çk
~zlâ½ Ãõâ 65% Âz ¼\é. 10% kö kö Ö_çé
¨D n ¸ 10 ‡ 20 kò\VªÝm¦[ éVÃÝ]_
Ø¦©â Ãõâ 0 ¼ÄìÝm kö 10% kö ¶_ém
¼ïi Ãõâ 0 ïðÂþ¦©Ã|D 20% ‡ Ö[Ø¦Â¼ÄÄ[
©¼áVâ¦ì Ãõâ 0 ØÃM¸â c¦[
Îòkì ~zlâ½ Ãõ|ï¹_ x>Ü| ØÄFm éVÃÝm¦[ Øk¹¼B ¨|Ý>V_

ÿμ ïõ¦ xçÅl_ ¶kòÂz kö s]Âï©Ã|D.
Îò kò¦Ý]uz^ Îò kò¦Ý]uz ¼\é.
x>Ü| ØÄFB©Ãâ¦ ÃðD 10,000 10,000
éÃVÝm¦[ ¨|Âï©Ãâ¦ ÃðD 11,000 11,000
éÃVD 1,000 1,000
ïâ¦©Ã¦ ¼kõ½B kö 100 Ö_çé
ØÄFB©Ãâ¦ x>Ü| Ø¦©â Ãõâ ¶_ém ¨D n ¸ BVï ÖòÍ>V_

1.5 éâÄD kò\Vª\ kç«l_ kö 10% 100
2.5 éâÄD kò\VªD kç«l_ kö 20% 200
2.5 éâÄÝ]uz ¼\_ kò\VªD ÖòÍ>V_ 30% 300
Îò kò¦Ý]uz ¼\_ ¨|Âï©Ãâ¦V_ éVÃÝ]_ kö 100
DRß·k_ Ãõ|ï¹oòÍm þç¦ÂzD ½s¦õâ½uz kö séÂz ¶¹Âï©Ãâ|^ám.
gªV_, Ø¦©â Ãõâ ¶_ém ¨D n ¸ l_ x>Ü| ØÄFB©Ãâ½òÍ>V_ ½s¦õ¦ ½ü½ö¸RÄ[ kö c
õ|.
Ãõâ ç¦© kö % ½s¦õâ½uz
~zlâ½ Ö_çé
¨D n ¸ 12.5%
Ø¦©â Ãõâ 12.5%
¼ïi Ãõâ 25%
©¼áVâ¦ì Ãõâ 25%
tï¡D xÂþB\Vª s−BD ‡ kö åVD ØÄKÝmþ¼ÅV¼\V Ö_çé¼BV,

¼\uïõ¦ sÃ«ºï^ ¶çªÝmD
• kò\Vª kö ïðÂþ¦©Ã|D ÃV«Dï¹_ ïâ¦VB\Vï z¤©¸¦©Ã¦ ¼kõ|D.
• ¼ï©¸¦_ Øïl[ïçá z¤©¸¦ >MBVï ØÄÂÄ[ ÃV«Dï¹_ ØïV|Âï©Ãâ½òÂþÅm.
• ØÄÂRöâ½ü â«V[ÄÂÄ[ ¦VÂü \Å®D ½s¦õ¦ ½ü½ö¸RÄ[ ¦VÂü >s«
• ¼k® ¨Í> kö¥D DRß·k_ ïDØÃMïáV_ ¸½Ý>D ØÄFB©Ã¦Vm.
• kö ïâ|km å\m ï¦ç\¼B.
42
Magnum Investments
cºïÓÂz> Ø>ö¥\V?
• céïD x¿k]KD Îò kò¦Ý]_ 5 ¼ïV½ ¼Ãì sÃÝ]_ ïVB\ç¦þÅVìï^, clöwÂþÅVìï^.
• ÖÍ]BVs_ 5 Wt¦Ý]uz Îò clöw©A sÃÝmÂï^ JéD å¦ÂþÅm.
• n n ¨D, ¼ÃV[Å W®kªºï¹_ ¨D ¸ ° Ã½Âï çkÂï gzD ØÄé¡ 5 éâÄÝ]uzD ¼\é.
• \òÝmk Ã½©¸uïVï gõ| Î[¤uz gz\ ØÄé¡ 2 éâÄÝ]uzD ¼\é.
• 2004 ‡ 05 \ gõ½_ 1 ¼ïV½ÂzD ¼\uÃâ¦ \Vðkìï^ cBì ï_sçB ¼>ìÍØ>|Ým^áªì.
• Îò Eé gF¡ï¹[ Ã½ ØïV½B ¼åVFï^ >VÂþªV_
¶) 85% ÖÍ]BìïáV_ c¦ª½BVï 5 éâÄD ÃðÝç> ]«â¦ x½BVm
g) 14% ÖÍ]Bìï^ 5 éâÄÝç> ]«â½ªVKD ¶>uzÃ¸[ ïi¦ÃÃ|kVìï^
Ö) 1 % ÖÍ]BìïáV_ \â|¼\ c¦ª½BVï E«\t[u 5 éâÄD ]«â¦ x½¥D.
• Àºï^ ¨Ý>çïB Wçéç\l_ ÖòÂþSìï^? ¶) g) Ö)
cºï^ ïòÝmÂï^
1. cºï^ zwÍç>ïçá ¨[ª Ã½Âï çkÂï ¼kõ|D ¨ª sòDAþSìï^?
¶) \òÝmkD g) Ö[÷MBöº Ö) Øk¹ åVâ½_ ~) x½¡ ØÄFBs_çé.
2. cºï^ zwÍç>ï¹[ Ã½©¸uØïª kò¦D ¨Ëká¡ ¼ÄtÂþSìï^?

¶) 5,000 g) 10,000 Ö) 10,000 Ý]uzD ¼\_ ~) ¨m¡t_çé
3. zwÍç>ïÓÂïVª ¼Ät©AÝ ]â¦ºï¹_ ¨m EÅÍ>m ¨ª Ø>ö¥\V?

¶) Ø>ö¥D g) Ø>öBVm Ö) Öm kç«l_ gìk\ ïVâ¦s_çé
4. öç¦BìØ\õâ kVμÂçïl_ cºïÓÂz \V>D ¨Ëká¡ ¼>çk©Ã|D ¨ª WçªÂþSìï^?

¶) \V>D 5,000 g) \V>D 10,000 Ö) \V>D 10,000 Ý]uzD ¼\_ ~) Ø>öBs_çé
5. öç¦BìØ\õ½uïVï >uØÃV¿m ¨Ëká¡ ¼ÄtÂþSìï^?

¶) \V>D 5,000 g) \V>D 10,000 Ö) \V>D 10,000 Ý]uzD ¼\_ ~) ¨m¡t_çé
6. cºïÓç¦B c¦ª½ x>Ü| ¼>çk ¨m?

¶) zwÍç>ïÓÂïVª ¼Ät©A g) ØÃ[Ä[ Ö) g¥^ ÃVmïV©¬|
~) ØÇ_Ý Ö[·¥«[ü c) kò\Vª köÂïVï ») ¨_éVD.
7. cºï^ ïòÝm©Ã½ Ö[çÅB ÖÍ]BVs_ ØïV½B ¼åVF ¨m?

¶) Öò>B ¼åVF g) ¼ï[Äì Ö) üâ¼«VÂ ~) ¨_éVD
8. ØïV½B ¼åVFïÓÂïVª ØÄé¡ ¨Ëká¡ ÖòÂzD ¨ª WçªÂþSìï^?

¶) 1.5 éâÄD g) 3 éâÄD Ö) 5 éâÄD ~) 5 éâÄÝ]uzD ¼\_
9. ØïV½B ¼åVFï^ >VÂþªV_ Ä\V¹Âï ¨m EÅÍ> ka?

¶) ØÄVÝmÂïçá suÃm g) cÅsªìï^ \u®D åõÃìï^ c>sçF ØÃ®km
Ö) å\m ¼Ät©çÃ ÃB[ Ã|Ýmkm ~) ØÇ_Ý Ö[·¥«[ü ¨|©Ãm

cºï^ ØÄVÍ> sk«ºï^:
ØÃBì ‡ Ø\VçÃ_ åDÃì ‡
séVÄD ‡ g¬ü séVÄD ‡
Ø>Va_ ‡ gõ| kò\VªD ‡
43
Magnum Investments
44
Magnum Investments
¶½Âï½ ¼ïâï©Ã|D ¼ï^sï^ - (Frequently Asked Questions)

1. RMâ (Unit) ¨[ÅV_ ¨[ª?
Ö«õ| åÃìï^ ¼ÄìÍm sBVÃV«D g«D¸ÂþÅVìï^. ÖòkòD >éV 5000 ØïV|Âþ[Åªì
10000 gl«Ýç> 10Âz Î® RMâ T>D 1000 RMâ|ïáVï \Vu¤ ÎËØkVòkòD 500 RMâ|ïçá
çkÝmÂØïV^þÅVìï^
Îò kò¦D x½Í> ¸[ ‡ ¶kìïám ÃVé[üæâ ¶½©Ãç¦l_ Ø\VÝ> ØÄVÝm \]©A 25000

Ö]_ ØïV|Ã¦V ï¦[ï^ 5000 - Wï« ØÄVÝm \]©A 20000
( NAV ) ¶½©Ãç¦l_ ‡ x>o_ ÖòÍ> 1000 ¥Mâ|ï¹[ Ö[çÅB \]©A

‡ (Wï« ØÄVÝm \]©A) / (Ø\VÝ> RMâ|ï¹[ ¨õèÂçï) = 20000 / 1000 = 20 (Ö[çÅB NAV)
J[ÅVkm åÃì Îòkì 5000 ØïV|Ým ÃVìâª«Vï ¼Ä« sòDAþÅVì

Ä\\Vª ÃVìâª«Vï ¼Ä« x½¥\V? °ØªM_ 1 / 3 Ãºz x>Ü| >òþÅVì ¶_ékV?
¶>Vkm 10000 x>Üâ½_ ÃV] 5000 ØïV|ÂþÅV¼«?
mkÂïÝ]_ ÖòÍ> RMâ \]©A 10 T>D 5000 / 10 = 500 RMâ|ï^ ØïV|Âï x½¥\V?
A]>Vï kòÃkòÂz A]B (NAV) ¶½©Ãç¦l_ 5000 / 20 = 250 RMâ|ï^ >V[ ØïV|Âï
x½¥D. ÖÍ> xçÅl_ >V[ DRß·k_ Ãõ|ï^ (Ã«üÃ« W] W®kªºï^) ØÄB_Ã|þ[Åª.
2. ¨[°s (NAV) ¨[ÅV_ ¨[ª?

¼\¼é ïVâ½B c>V«ðÝ][ ¶½©Ãç¦l_ ]ªxD Wï« ØÄVÝm \]©çÃ
ïðÂþâ| Îò RMâ½[ \]©çÃ ØÄV_KD xçÅ >V[ (NAV) ¨[°s. ÖÍ> (NAV
– Net Asset Value) ¶½©Ãç¦l_ >V[ RMâç¦ kVºï¼kV ¶_ém suï¼kV x½¥D.
3. Îò ïDØÃMl[ ¨[°s (NAV)¶]ï\Vï ÖòÂzD ØÃV¿m ¶]_ ¼Ä«éV\V?

>V«á\Vï ¼Ä«éVD. c>V«ðÝ]uz åVD ¼\¼é í¤B RMâ ¶½©Ãç¦l_ Ø\VÝ>D 3
sBVÃV«ºï^ å¦Âþ[Åª ¨ª çkÝmÂØïV^¼kVD.
¨_éV sBVÃV«ºïÓD mkºþ Îò gõ¼¦ gþ[Åª ¨ª çkÝmÂØïV^¼kVD.
¶ku¤[ >u¼ÃVç>B ( NAV ). 1) 28.00 2) 22.00 3) 18.00
tï ¶]ï\Vï ( NAV ) ÖòÂzD sBVÃV«D >V[ ¶]ï\Vï éVÃD ~â½lòÂþÅm.

(NAV) zçÅkVï ÖòÂzD 3km sBVÃV«D tï¡D éVÃD zçÅkVï ~â½lòÂþÅm.
¨ª¼k ¨]_ ¼Äìkm ¨[þÅ x½çk ¨|©Ãm ïi¦\_é.
>uØÃV¿m (NAV) tï¡D ¶]ï\Vï ÖòÂþÅ¼> ¨ª Àºï^ WçªÂïéVD.

gªV_ Öç> s¦ ¶]ïD í¦Vm ¨[Ãm ¨[ª WßÄBD.
1. òÃVF 10 ÂzD þç¦ÂzD A]B Ãõâ gÃìï¹_ (NFO) ¼Äìkm å_ém ¨[® í®þÅVìï¼á?
¶©Ã½ ØÄV_é x½BVm. ¶©Ã½ Îò ÂáV\ì ‡ ïkìßE ÖòÂz\VªV_ ¶ç> ÃB[Ã|Ý]Â
ØïV^km °ØÛõ|ï¹[ ]Åç\. ‡ gªV_ å\Âz káìßE sþ>D >V[ xÂþBD.
• c>V«ðÝ]uz Ö«õ| Ãõ|ïçá ¨|ÝmÂ ØïV^¼kVD. Î[® A]Bm 10 \]©A ØïVõ¦m,
\uØÅV[® 20 \]©A ØïVõ¦m. ÎËØkV[¤KD 10000 x>Ü| ØÄFþSìï^.
• Ö«õ|D kVºþB Îò kò¦Ý]_ 50% káìßE ¶ç¦þÅm.
• A]B Ãõ½_ þç¦Ý> RMâ|ï¹[ ¨õèÂçï: 10000 / 10 = 1000.
50% káìßEÂz©¸[ ‡ (NAV) 15; Ãõ½[ \]©A 1000 $ 15 = 15000
• ÃçwB Ãõ½_ þç¦Ý> RMâ|ï¹[ ¨õèÂçï 10000 / 20 = 500
50% káìßEÂz©¸[ ‡ (NAV) 30; Ãõ½[ \]©A 500 $ 30 = 15000
A]B Ãõâ A]B ¼ÃVìâ¼ÃVoBVkVï ÖòÍ>V_ ïâ¦VBD x>Ü| ØßB¥ºï^.
A]Bm ¨[þÅ ïkìßEÂïVï \â|D x>Ü| ØÄFB ¼kõ¦VD.
45
Magnum Investments
2. ØÄ[ØÄÂü \]©çÃ çkÝm å\m x½çk \Vu¤ÂØïV^áéV\V?

ØÄ[ØÄÂü ¶½©Ãç¦l_ \VìÂØïâ ØÄ[½Ø\õâ. ¼kïD \u®D ØÃVmkVª ØÃVòáV>V« káìßE
gþBkuçÅx½¡ ØÄFBéVD.
gªV_ x>Ü| ØÄF¥D å\m x½¡ ØÄ[ØÄÂü ¶½©Ãç¦l_ ÖòÂïÂí¦Vm.

°ØªM_ ØÄ[ØÄÂü ¨[Ãm 30 ïDØÃMïçá \â|¼\ ¶½©Ãç¦BVï çkÝm
ïðÂþ¦©Ã|þÅm. ¶]KD 30 ïDØÃMï¹[ sçé °uÅ ÖÅÂïÝç> Ä\\Vï çkÝm
\]©¸|k]_çé. Øklâ¼¦ë (\VìÂØïâ ¶½©Ãç¦l_ ¶]\Vª sBVÃV«D ØÄF¥D
ïDØÃMÂz ¶]ï Øklâ¼¦ë ØïV|Âï©Ã|D) ¶½©Ãç¦l_ ïðÂþ¦©Ã|þ[Åª.
þâ¦Ý>â¦ x>_ x[® ïDØÃMï^ \â|¼\ 60 Ä>T>D ØÄ[ØÄÂü \]©çÃ

yì\VMÂþ[Åª. ØÄ[ØÄÂü 15000 x>_ 19000 ØÄ[Å Ä\BÝ]_ ïç¦E 10 ïDØÃMï^ x>_
Ö¦Ý]_ ÖòÍ> Îò ïDØÃMÂz (Øklâ¼¦ë) ~|ØïV|Âï x½Bs_çé.
Ø\VÝ>D 5000 ïDØÃMïÓÂz ¼\_ BSE_ Ã]¡ ØÄFB©Ãâ|^ám. ( Bombay Stock

Exchange) Öku¤_ BSE 500 ¨[® ØÄV_é©Ã|þÅ 500 ïDØÃMïçá çkÝm ÃVìÝ>V¼é
ØÄ[ØÄÂü °®D ØÃV¿m ¨_éVD ¨_éV 500 ïDØÃMï¹[ sçéï^ °®k]_çé.
¶m \â|\_é ØÄ[ØÄÂü °®D ØÃV¿m 400 ïDØÃMï¹[ sçéï^ zçÅB¡D ØÄFBéVD.
¨ª¼k >V[ We should not time the Market ‡ ¨[® í®þÅVìï^.
\VìÂØïâç¦ çkÝm ¨©ØÃV¿m x>Ü| ØÄFB ¼kõ|D ¨[Ãç> åVD yì\VM©Ãç> s¦
¨©ØÃV¿m åD\V_ x>Ü| ØÄFB x½þÅ¼>V ¶©ØÃV¿m åVD x>Ü| ØÄFBéVD..
Ã¡[ 500 ÖòÂzD ØÃV¿m 100 Ã¡[ kVºþlòÍ>V_ å[ÅVïÝ >V[ ÖòÂzD. ¶m x½Í> ïç>.
ÖM å\m zwÍç>ï¹[ ¨]ìïVéÝ]uïVï ¨[ª ØÄFB©¼ÃVþ¼ÅVD ¨[Ãm >V[ xÂþBD..
Îò åõÃì ØÄ[ØÄÂü 8000 kÍm sâ¦m ‡ 5000 kòD ØÃV¿m ØÄV_Kºï^ ¨[ÅVì.
ÖM ¶kì kVμåV¹_ 8000 ¶_é 15000 A^¹ïçá¼B ÃVìÂ©¼ÃVþÅV«V ¨[Ãm Ø>öBVm.
¨ª¼k å\Âz xÂþBD ‡ å\m ÃðD x>Ü| ØÄFB©Ã|D ïDØÃMï¹[ >«D \â|¼\.
Ö>uz cÝ>«kV>D.‡ åVD x>Ü| ØÄFB ¼>ìÍØ>|ÂzD Ö[ÄR«[ü ¶_ém DRß·k_ ïDØÃMï¹[
(Ã«üÃ« W] W®kªºï¹[) >«Ýç> \â|¼\ åVD ÃVìÝm ¼>ìÍØ>|©Ãm å_ém.
BSE l¦DØ\VÝ>D 17 kçïBVª >«D ¸öÂzD xçÅ ¶xKo_ c^ám.

Sensex Mid Cap Small Cap BSE – 100
BSE – 200 Bse – 500, Auto, Bankex,
Consumer durables, Capital goods, FMCG Healthcare,
IT, Metal, Oil & gas, PSY,
TECK
\uØÅVò W®kª\Vª NSE l¦D 9 kçïBVª >«D ¸öÂzD xçÅ ¶xKo_ c^^m. ¶çkBVkª:
S&P CNX Nifty, CNX Nifty Junior, S&P Defty, S&P CNX 500,
CNX Midcap 200, CNX Midcap, CNX IT, Bank Nifty,
CNX 100
¶Â¼¦VÃì 5 x>_ ¶Â¼¦VÃì 19 kç« °uÃâ|^á \V®>_ïçá ÿ¼w ØïV|Ým^¼áVD.

Index Closing % Gain or Loss
Oil & Gas 10,242.45 2.42
Capital Goods 15,429.29 1.15
Tech Index 3,917.44 0.77
Metal Index 1,448.00 0.66
IT Index 4,658.91 -1.76
Consumer Durables Index 4,776.92 -1.92
Auto Index 5,296.93 -2.13
Healthcare Index 3,714.90 -2.94
PSU Index 8,211.07 -3.33
FMCG Index 2,021.61 -5.89
46
Magnum Investments
kò\Vª kö ÃâØÛâ½_ ¶¤sÂï©Ãâ¦ ÄKçïïÓD ‡ åVD ïâ¦ ¼kõ½BmD

gõïÓÂz
kò¦ kò\VªD kö ÄìÄVìë ¨É¼ïÄ[ ØÄü
1.1 éâÄD kç«l_ Ö_çé Ö_çé Ö_çé
1.1 x>_ 1.5 éâÄD kç«l_ 1.1 éâÄÝ]uz ¼\_ 10% Ö_çé 3%köl[ ¼\_
1.5 x>_ 2.5 éâÄD kç«l_ 4,000 + 20% 1.5 éâÄÝ]uz Ö_çé 3%köl[ ¼\_
¼\_ c^á Ø>VçïÂz
2.5 x>_ 10 éâÄD kç«l_ 24,000 + 30% 2.5 éâÄÝ]uz Ö_çé 3%köl[ ¼\_
10 éâÄÝ]uz ¼\_ 2.49 éâÄ\ + 30% 10 éâÄ\ 10% köl[ ¼\_ 3%köl[ ¼\_
¼\_ c^á Ø>VçïÂz + ÄìÄVìë
ØÃõïÓÂz
1.5 x>_ 2.5 éâÄD kç«l_ 500 + 20% 1.5 éâÄÝ]uz Ö_çé 3%köl[ ¼\_
2.5 x>_ 10 éâÄD kç«l_ 20,500 + 30% 2.5 éâÄÝ]uz Ö_çé 3%köl[ ¼\_
10 éâÄÝ]uz ¼\_ 2.455 éâÄ\ + 30% 10 éâÄ\ 10% köl[ ¼\_ 3%köl[ ¼\_
æMBì Eâ½Ä[ïÓÂz
2.5 x>_ 10.0 éâÄD kç«l_ 11,000 + 30% 2.5 éâÄÝ]uz Ö_çé 3%köl[ ¼\_
10 éâÄÝ]uz ¼\_ 2.36 éâÄD + 30% 10 éâÄÝ]uz 10% köl[ ¼\_ 3%köl[ ¼\_
kö ØÄKÝmÃkö[ \V]öÂ ïðÂz
kò¦ kò\VªD gõïÓÂïVª ØÃõïÓÂïVª æMB« Eâ½Ä[ cºïÓç¦Bm
‡ 4 éâÄD ‡ 8 éâÄD ‡ 5 éâÄD
kò\VªD 4 éâÄD 8 éâÄD 15 éâÄD
kö Ö_éV kò\VªD ‡1,10,000 ‡ 1,45,000 ‡ 1,95,000
¼Ät©A u/s 80C* ‡ 1,00,000 ‡ 1,00,000 ‡ 1,00,000
köÂzâÃâ¦ kò\VªD 1,90,000 5,55,000 12,05,000
Ø\½Âï_ Ö[·R«[ü ‡ 15,000 ‡ 15,000 ‡ 15,000
kö ØÄKÝ> ¼kõ½B kò\VªD 1,75,000 5,40,000 11,85,000
ØÄKÝ> ¼kõ½B kö 34,500 1,51,000 3,50,000
ÄìÄVìë 0 0 35,000
¨h¼ïÄ[ ØÄü 1,035 4,530 11,550
Ø\VÝ> kö 35,535 1,55,530 3,96,550
kö sþ>D 12.46% 22.70% 28,73%
• ½s¦õâ ½ü½ö¸RÄ[ köçB >sìÂï z¼«VÝ ka xçÅçB ¼>ìÍØ>|Âï¡D
• kö Ö_éV \VWé ¶«· ÃÝ]«ºï¹_ x>Ü| ØÄFB¡D
u/s 80C l_ ¨|ÝmÂØïV^á©|D x>Ü|ï^ kò\Vª köçBÂ zçÅÂï ÃB[Ã|D ØÄé¡ï^
• ¨D©áVlü ¸«Vs¦õâ Ãõâ • Tâ|Â ï¦M_ c^á ¶Ä_ Ø>Vçï
• Ã©¹Â ¸«Vs¦õâ Ãõâ • zwÍç>ï¹[ ½RÄ[ ¬ü
• ¨[ ¨ü E ÃVõâ • Ø\½Âï_ Ö[·R«[ü 15,000 kç«l_
• Ö[·R«[ü ¸ZtBD
• ØÃ[Ä[ ©áV[ü
• 5 kòÝ]uz ¼\_ çkÂï©Ã|D kºþ çk©AÝ Ø>Vçï
• DRß·k_ Ãõ|ï¹_ c^á kö ¼ÄtÂzD ]â¦ºï^
47
Magnum Investments
\V]ö ‡ kò\Vª kö ïðÂz ‡ Àºï¼á ïðÂþ¦éVD ‡ 2007 ‡ 08

ØÃBì ¼Ã[ åDÃì
séVÄD kºþ ïðÂz ¨õ
Ø>Vçé¼ÃE ¨õ
Ø1) Ø\VÝ> kò\VªD Rs.__________
Less: Least of “c” or “d” exempted
2) HRA Exemption U/S10. (13A)
a) ÄöBVª kV¦çï Rs. ____________
b) 10% of (Basic pay + D.A.) Rs. ____________
c) Difference (a – b) Rs. ____________
d) Actual HRA Received Rs. ____________ Rs.__________
Total Rs. ____________
LESS: 3) Professional Tax _________________ Rs. ____________
4) Int. on Housing Loan _____________ Rs. ____________
Rs. _________
Total Rs. ____________
5) Add: Income from other sources
a) Interest on NSC ____________ Rs. ____________
b) Interest on ICICI / IDBI / REC Bond ____________ Rs._____________
c) Any other interest / income ____________________ Rs. ____________
Total Rs. ____________ Rs. _________
Gross Total Income
6) Less: Deduction U/S 80C for Savings (Working Note – 1) Rs._____________
7) Less: As per Working Note No. 2 Rs._____________
Total Rs._____________
Net Total Income Rs. _________
Tax on Net Total Income:
i) Up to Rs. 1,10,000 (for Women up to 1,45,000) Rs. Nil
ii) Rs. 1,10,000 to 1,50,000 (Rs._________ X 10%) Rs._____________
iii) Rs. 1,50,000 to 2,50,000 (Rs._________ X 20%) Rs._____________
iv) Above Rs. 2,50,000 (Rs.____________ X 30%) Rs._____________ Rs. _________
Total tax payable Add: Education cess 3% Rs. _________
Net Tax payable Rs. _________
Less: Relife U/s. 89(i) for arrears received (as per form 10E enclosed) Rs.__________
Balance Tax payable Rs. _________
Less: Tax already recovered from pay bill Rs.__________
Less: Tax paid by me through challan by myself Rs.__________
Attach Xerox Copy to the following: 1. LIC receipt for direct payment
2. Form No. 12C – if int. on housing loan claimed 3. Challan for tax paid – Xerox
4. Certificate for housing loan int. & Principal paid. 5. NSC, ULIP, PPF, UTI, etc.,
48
Magnum Investments
Working Note No. 1 Working Note No. 2

Deduction U/s. 80C for Savings
a) GPF Rs. _______ a) Mediclaim U/z. 80D – Insurance
b) SPF Rs. _______ (Maximum 15,000) Rs. ________
c) FBF Rs. _______ b) Medical Treatment – permanent
d) HF Rs. _______ Disability U/s. 80DD
e) LIC Pay Deduction Rs. _______ Rs. ________
f) LIC Direct Payment Rs. _______ c) Medical Treatment Us. 80DDB
g) Housing Loan Principal (No Limit) Rs. _______ For Neurological disease
h) Mutual Fund (No Limit) Rs. _______ Rs. ________
i) NSC Rs. _______ d) Donations U/s. 80G – only 50% allowed
j) ULIP Rs. _______ Rs. ________
k) NSC. Int. Rs. _______ e) Disability For Self Us. 80U
l) PPF (No Limit) Rs. _______ Rs. ________
m) PLI (No Limit) Rs. _______ __________
n) Tuition Fees (No Limit( Rs. _______ Total Rs. _______
o) ICICI/IDBI infrastructure Bond (5 Years) Rs. _______
p) Pension U/s 80ccc (No Limit) Rs. _______
Total Rs. ________
Max. Savings is restricted to Rupees 1,00,000
Mon - Yr Pay D. Pay DA HRA CCA MA Total
PF SPF & FBF HBA
Mar 2007
Apr
May
June
July
Aug
Sep
Oct
Nov
Dec
Jan 2008
Feb 2008
Head of Institution (Seal) Signature of Employee

Particulars of LIC Premium NSC/PPF/PLI Purchased during the year
Sl. No. Policy No. Mon/Q/Hal/Y Amount Sl. No. NSC No. Amount
1. 1.
2. 2
Details of Interest accrued on NSC
Sl. No. Date of Purchase & amount Rate of Int.% Total Other Particulars
1.
2.
3.
Certificate: Certified that I am occupying a rental house paying monthly rent of Rs. _______
Signature of the Employee.
49
Magnum Investments
ïVüâ Ö[¸¼áÄ[ Ö[Ø¦ÂØÄÄ[ ¨[ÅV_ ¨[ª?

• kVºþB Îò ØÄVÝç> éVÃÝ]uz suÅV_, ¶>u® Àºï^ ¼ï¸¦_ Øïl[ kö ïâ¦ ¼kõ|D.
• Îò kò¦Ý]uz^ suÅV_ éVÃD kò\VªÝm¦[ ¼ÄìÝmÂ ØïV^á©Ãâ| kö ïðÂþ¦©Ã|D.
• Îò kò¦Ý]uz ¼\_ suÅV_ zçÅkVª kö sþ>D ¶x_ Ã|Ý>©Ã|D.
• ÎËØkVò s>\Vª ØÄVÝmÂïÓÂzD ØkË¼k® kö sþ>ºï^ ÖòÂþ[Åª.
ØÄVÝm Àõ¦ åVâï^ çkÝ]òÍ>V_
~zlâ½ \u®\ DBß·k_ Ãõ|ï^ Îò kò¦Ý]uz ¼\_
>ºïD \u®D åçïï^ 3 kò¦Ý]uz ¼\_
öB_ ¨ü¼¦â 3 kò¦Ý]uz ¼\_
• Îò kò¦Ý]uz ¼\_ suï©Ã|D ¼−ìï^ \u®\ DRß·k_ Ãõ|ï^ (60% ¼\_ ¼−ìï¹_
x>Ü| ØÄFB©Ãâ½òÍ>V_ \â|¼\ ¨|ÝmÂ ØïV^á©Ã|D) ‡ kö ¨m¡D Ö_çé.
• Ö>« ØÄVÝmÂï¹oòÍm kòD kò\VªÝ]uz kö cõ|. ÖÍ> éVÃÝ]uz 10% ©áVâ kö
ØÄKÝ>éVD‡¶_ém ïVü¦ Ö[¸¼áÄ[ Ö[Ø¦Â¼ÄÄçª ÃB[Ã|Ý] 20% kö ØÄKÝ>éVD.
• Ö[Ø¦Â¼ÄÄ[ Ãð TÂïÝç> ïðÂþ_ ØïVõ| å\m kVºþB sçéçB cBìÝ]Â
ØïV|ÂþÅm (kò\Vª kö ïðÂþuïVï \â|D) ÖÝ>çïB xçÅçBÝ >V[ Ö[Ø¦Â¼ÄÄ[
¨[® í®þ¼ÅVD.
• ¶«ÄVºïD ÎËØkVò gõ|D ÖÍ> Ö[Ø¦ÂçÄ ¶¤sÂþ[Åªì
\V]ö 1:
Îòkì Îò ØÄVÝç> 32 éâÄÝ]uz (1994 ‡ 95\ kò¦D) kVºþ 64 éâÄÝ]uz
su® s|þÅVì (2003 ‡ 04 D kò¦D)
• ¶kì ©áVâ 10% köçá ïâ¦éVD. ¶k«m kö 32 éâÄ éVÃÝ]uz 3.2 éâÄºïáVzD
• ïVüâ Ö[Ø¦ÂØÄÄ[ xçÅçB ÃB[Ã|Ý]ªV_ =
kVºþB sçé $(2003 ‡04 D gõ|ÂïVª Ö[Ø¦Âü / 1994 ‡ 95 D gõ|ÂïVª Ö[Ø¦Âü)
= 32 $ (463 / 259) = 57.2 éâÄD.
• ¨ª¼k ¶k«m ØÄVÝç> su®Â þç¦Ý> éVÃD 57.2 ‡ 32 = 6.8 éâÄD
• ¶kì ØÄKÝ> ¼kõ½B kö = 6.8 $ 20% = 1.36 éâÄD
ïVüâ Ö[¸¼áÄ[ Ö[Ø¦Âü ¼¦¸^

kò¦D Ö[Ø¦Âü kò¦D Ö[Ø¦Âü kò¦D Ö[Ø¦Âü
1981 ‡ 82 100 1990 ‡ 91 182 1999 ‡ 00 389
1982 ‡ 83 109 1991 ‡ 92 199 2000 ‡ 01 406
1983 ‡ 84 116 1992 ‡ 93 223 2001 ‡ 02 426
1984 ‡85 125 1993 ‡ 94 244 2002 ‡ 03 447
1985 ‡ 86 133 1994 ‡ 95 259 2003 ‡ 04 463
1986 ‡ 87 140 1995 ‡ 96 281 2004 ‡ 05 480
1987 ‡88 150 1996 ‡ 97 305 2005 ‡ 06 497
1988 ‡ 89 161 1997 ‡ 98 331 2006 ‡07 519
1989 ‡ 90 172 1998 ‡99 351 2007 ‡ 08
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LAWS AND REGULATIONS

INSURANCE ACT, 1938: The Insurance Act, 1938, which came into effect from 1stJuly 1939, and was
amended in 1950 and later in 1999, is the principal enactment relating to the business of insurance in India.
The Act contains provisions regarding licensing of agents and their remunerations, prohibition of rebates, and
protection of policyholder’s interest.
LIFE INSURANCE CORPORATION ACT, 1956: This Act was the basis for the establishment of the LIC
as a body corporate consisting of not more than 16 members appointed by the Central Government, on of them
being the Chairman. The Corporation’s duty was to carry on life insurance business to the best advantage of
the community. Section 30 gave the LIC exclusive privilege to transact life insurance business in India. This
exclusive privilege ceased as a result of the amendments made in 1999. These amendments were made in
pursuance of the Government’s policy of economic reforms and 11 insurance companies were registered and
had commenced life insurance business till 31.3.2002.
INSURANCDE REGULATORY AND DEVELOPMENT AUGTHORITY ACT 1999: This Act, passed in
December 1999, provided for the establishment of the IRDA to protect the interests of holders of insurance
policies, to regulate, promote and ensure orderly growth of insurance industry and for matters connected
therewith or incidental thereto. It also sought to amend the Insurance Act, 1938, the Life Insurance Corporation
Act, 1956 and the General Insurance Business (Nationalization ) Act, 1972. The IRDA is a corporate body. It
is advised by an Insurance Advisory Committee consisting of not more than 25 members to represent the
interests of commerce, industry, transport, agriculture, consumer forums, surveyors, agents, intermediaries,
organizations engaged in safety and loss prevention, research bodies and employees’ associations in the
insurance sector. It replaces the ‘Controller of Insurance’ to administer the provisions of the Insurance Act.
That includes registrations, licensing, and laying down regulations for the proper conduct of the business and
the protection of the interests of policyholders.
The Consumer Protection Act 1986 (COPA) applies to the insurance business as well. Policyholders
have the right to seek redress against unfair practices or unsatisfactory service from insurers and from agents.
SCHEME OF INSURANCE OMBUDSMAN: With an objective of providing a forum for resolving disputes
and complaints from the aggrieved insured public or their legal heirs against Insurance Companies, the
Government of India, in exercise of powers conferred on it u/s 114(1) of Insurance Act, 1938 framed
“Redressal of Public Grievances Rules, 1998”, which came into force w.e.f. 11th November, 1998. To
implement the above Rules, the Institution of Insurance Ombudsman has come into existence and started
functioning since 1999.
FREQUENTLY ASKED QUESTIONS (FAQS):

1. Who can approach Ombudsman? Any aggrieved individual who has taken Insurance Policy on personal
lines or his legal heirs under such policy can approach Ombudsman.
2. What is the meaning of Insurance on Personal Lines? Insurance on personal lines means a policy taken or
given in an individual capacity; e.g. life Insurance, personal accident insurance, insurance of property of the
individual such as motor vehicle, household articles etc., Mediclaim insurance etc.
3. Whether a Sole Proprietor can approach the Ombudsman? Yes, Since the Sole-Proprietor is also an
individual, he can prefer a complain even if the policy stands in the name of proprietary concern.
4. Whether Partnership Firm / Corporate Client / Co-operative Societies / Associations/ Trusts can
approach Ombudsman? No. Only individual policyholders who have taken insurance on personal lines are
covered. However, any member covered under a Master Policy of any Group Insurance or their legal heirs can
approach Ombudsman, provided the payments of the claims under such policy are to be made to the individual.
5. Who can lodge a complaint before an Ombudsman?
Any individual policyholder or his legal heirs entitled under the policy can lodge a complaint.
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Magnum Investments
6. Can a complainant, who has already approached Forum/Court on the same subject, approach the
Ombudsman? No. Any complainant, whose complaint on the same subject matter is already before a
Court/Consumer Forum or was decided by any such Forum, cannot approach Ombudsman.
7. Does Insurance Ombudsman operate to any geographical jurisdiction?
Yes. Insurance Ombudsman operates only within the defined limits.
8. If so, whether Policy Issuing Office of the Insurer or Servicing Office is the criterion for deciding the
jurisdiction? The Policy Issuing Office of the Insurer is the criterion. However, under Life Insurance, which is a
long-term Contract, if there is a transfer of policy to another Branch, then Servicing Branch is the criterion.
9. Is there any formal procedure for lodging a complaint? The procedure is simple. The complaint can be given
on a plain paper. However, before approaching Ombudsman, a representation should be made to the company, if no
reply is received within one month or reply is not satisfactory, Ombudsman can be approached.
10. Means of Lodging a Complaint: The Complaint in writing can be lodged through personal approach or
through post.
11. Is there any fees/ charges payable for lodging a complain? No fees/charges are required to be paid.
12. Should a complainant approach the Ombudsman through a lawyer?
Not required at all. The Ombudsman is established to administer justice expeditiously.
13, Does the Ombudsman conduct hearing of the parties? Yes, Whenever the Complainant requests for a
hearing, the Ombudsman will conduct hearing of both the Parties.
14. If so, will the hearings be conducted outside headquarters?

Yes. Hearings are also conducted outside headquarters in important Centers.
15. Can a complaint be lodged against a Private Insurer? Yes. Complaints can be lodged against any
Insurer both in Public Sector and Private Sector and on both Life and Non-Life sides.
16. What are the complaints that are entertained by the Ombudsman?
Complaints pertaining to repudiation of claims- totally or partially, delay in settlement of claims, any
dispute on the legal construction of the Policies in so far as such disputes relate to claims, disputes regarding
premium, paid/payable and non-issue of insurance documents are covered.
17. Are routine administrative or policy service matters and complaints against staff also entertained
by the Ombudsman? No. Matters other than what are mentioned above do not fall within the terms of
reference of the Ombudsman and hence cannot be entertained by Ombudsman.
18. Is there any time limit to approach the Ombudsman? Yes. Within one year of the rejection by Insurer
of the representation of the complainant or the Insurer’s final reply to the complainants’ representation.
19. Is there any maximum limit for the amount under dispute that can be entertained by Ombudsman?
Yes. The maximum limit for the amount under dispute for which the Ombudsman can entertain a complaint
is up to Rs. 20 Lakhs
20. Can the Ombudsman. award ex-gratia payment? Yes, If the Ombudsman deems it fit in the
circumstances of the case, he can award ex-gratia payment of claim.
21. Within what time shall the Ombudsman dispose off the complain?
In case both parties agree for a mediation, he shall give his recommendation within 1 month of receipt of the
complaint, otherwise, he shall pass his Award within 3 months of receipt of the complain.
22. Is there any appeal against the Award given by the Ombudsman?
The Award of the Ombudsman is binding on the Insurer. However, the Complainant can approach a
Consumer Forum or Civil Court if he is not satisfied with the award of the Ombudsman.
23. What is the Status of an Insurance Ombudsman?
It is Grievance Redressal Machinery, whose working is akin to Judicial Procedure.
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Magnum Investments
Àºï^ °[ ¸Eªü ¶¼ÄVE¼Bâ gï ¼kõ|D?

• Ö[® káìÍm kòD Ø>Va_ï¹_ Î[® Ö[·R«[ü. 31% káìßE sþ>D ÖòÂþÅm.
• ØÄ[Å kò¦D \â|D Ö[·R«[ü Ø>Va_ 96% káìßE ïõ½òÂþÅm.
• åVD Öç> Îò sBVÃV«\Vï ¨|Ým ØÄFk>V_ å\m kò\VªD ¶]ïöÂzD,
• gD! åV¼\ ØÄVÍ>\Vï g¬ü ¼ÃVâ|, ¼ÃVì| çkÝm, °ØÛõ|ïçá ¶\ìÝ]
å\m sBVÃV«Ýç> Øku¤ï«\Vï ØÄFBéVD,
• ØÄF¥D Ø>Vaçé sâ| s¦V\¼é¼B ‡ ¶]ïD ÄDÃV]ÂïéVD.
• x>_ ¨m¡D Ö_éV\¼é¼B ‡ ¶]ïD ÄDÃV]ÂïéVD.
• ï½ª\Vï cçwÝ>V_ x[¼ªÅ x½BVm!
• ‡ AÝ]ÄVoÝ>ª\Vï cçwÝ>V_ \â|¼\ x[¼ªÅéVD
ÃðÂïV«ìïÓD ØÄVÝm cç¦BkìïÓD

♦ ÃðÂïV«ìï¹¦D ÃðD ÖòÂþÅm.
♦ ØÄVÝm cç¦Bkìï¹D ÃðD >òD ØÄVÝmÂï^ ÖòÂþ[Åª.
♦ x>éV¹ïáV_ ÃðD >òD ØÄVÝç> còkVÂï x½¥D.
♦ Àºï^ cºïÓÂïVï ¼çké ØÄFþSìïáV? Ö_çé \uÅkìïÓÂïV ¼kçé ØÄFþSìïáV?
♦ ÀºïÓD x>éV¹BVï ¼kõ¦V\V?
♦ 24 \è ¼å«\ >V[ ÖòÂþÅm.‡ >MBVï ¼çké ÃVìÝm ¨©Ã½ x>éV¹ gï x½¥\V?
♦ ØÄVÝç> còkVÂzD kaçB ïVâ|þ¼ÅVD. ‡ cÃ¼BVþ©Ãm cºï^ ]Åç\.
♦ E®kìï^ ¨[®D åVD ØÄV_kç> ¼ïâÃ]_çé.

gªV_ åVD ØÄFkç> ¶kìïÓD ØÄFB >kòk]_çé. ‡
♦ Îò ØÃòD Ãç¦çB >|Ým s¦éVD.
gªV_ \ª]_ c]Ým sâ¦ EÅ©ÃVª n½BVçk >|Âï x½BVm. ‡
♦ Öm 100 *â¦ì {â¦©ÃÍ>B\_é. ‡ \V«Ý>V[ ¼ÃVâ½

♦ Øku¤ >k®>VéVï þç¦©Ã]_çé ‡ \ª]é éâEBD, ]â¦D åD¸Âçï ¼kõ|D.
♦ Øku¤ >VªVï þç¦©Ã]_çé ‡ Àºï^ sòD¸ ¼>ìÍØ>|©Ãm.
å[¤, å_ kVμÝmÂïÓ¦[,
cºïám EÅ©ÃVª Ã]çé sç«s_ ¨]ìÃVìÂzD
z¤©A:
o Öm Îò ØåâØkVìÂ sBVÃV«D ¶_é
o x¿ ¼å«\Vï Àºï^ ¼kçé ØÄFB ¼kõ½B ¼>çkl_çé.
o Ãz] ¼å«\Vï ¼kçé ÃVìÝ>V¼é ¼ÃVm\Vªm.
o gªV_ ¨Í> ¶ásuz ¼kçé ÃVìÂþSìï¼áV, ¶Í> ¶ásuz kò\VªxD ÖòÂzD.
o cºï^ ‡ kò\VªÝç> Àºï¼á yì\VMÝmÂ ØïV^áéVD.
o ¨_çél_éV kò\VªÝ>ç> ØÃÅéVD. ‡ kVª¼\ ¨_çé, ¨Ëká¡ ÄDÃV]ÂïéVD?
Îò \V¦_ kò\Vª ÄVìâç¦ ¶|Ý> ÃÂïºï¹_ ØïV|Ým c^¼áVD
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Magnum Investments
cºïÓÂz> Ø>ö¥\V?
♦ >uØÃV¿m W] ¼ÄçkÝ mçÅl_ 31% káìßE sþ>D 31% (5 kò¦ Ä«VÄö) gï ÖòÂþÅm.
♦ ÖÍ> káìßE ÖÍ> gõ| 96% gï cBìß]òÂþÅm.
♦ 20 kò¦ºï¹_ å\m åVâ½[ ÛªÝØ>Vçï 35 ¼ïV½ káìÍ]òÂþÅm.
♦ Ö¼V 20 kò¦ºï¹_ >MBVì mçÅl_ ¼kçé kVF©Ã 15 éâÄ\ \â|¼\ cBìÍ]òÂþÅm.
cºï^ ïòÝmÂï^
1. sçékVE cBìÍm kòD ïVéºï¹_ í|>_ kò\VªD Öò©Ãm å_ém ¶_ékV?
>u¼ÃVm Àºï^ ÖòÂz\ Ãèl_ cçw©¸uz °uÅ »]BD þç¦ÂþÅ>V?
¶) gD g Ö_çé
2 cºï^ mçðsBVòÂz Ö[·R«[ü Ø>Vao_ {ì kVF©çÃ còkVÂþªV_ Ö[çÅB z|DÃ

kò\VªD \â|\éé ¨]ìïVéÝ]_ cºï^ z|DÃÝ]Åz ÃVmïV©ÃVï¡D ¶ç\¥D ¨ª WçªÂþSìïáV?
¶) gD g Ö_çé Ö) ¼BVEÂïs_çé.
3, cºï¹¦D ¼å«D ÖòÂþÅm. ¶ç> EÅÍ> kal_ ØÄékaÂïéVD ¨ª WçªÂþSìïáV?

¼\KD A]B sBVÃV« kVF©A ØïV|ÂzD ïDØÃM ¦V¦V ¨[Ã>V_ kVF©çÃ ÃB[ Ã|Ý]ÂØïV^á >BV«V?
¶) gD g) Ö_çé Ö) ØÄV_é x½BVm ~) 50% ¼BVEÂéVD.
4. cºï^ kVμÂçïl_ W]Ý ¼>çkïçá ïâ|©ÃV¦½_ çkÝ]ò©Ã>Vï WçªÂþSìïáV?

( åDt_ ØÃòDÃVéV¼ªVì 65 kBm kç« cçwÝm \uÅkìïçá ÃðÂïV«ìï^ gÂzþ¼ÅVD.
65 kB]uz ¸[ªV_ ka Ø>öBV\_ ]õ¦V|þ¼ÅVD.)
¶) gD g Ö_çé
5. >u¼ÃVm ØÄFm kòD Ãèl_ cºïÓÂz ¸½Ý>m ¨[ª?

¶) k«DÃuÅ kò\VªD g) Øk¹åVâ| ÃBðD Ö) ¼\é]ïVö Ö_çé
~) kÄ]BVª Ãè ¼å«D c) ÄJï ¶Í>üm ») ¼\uí¤B ¶çªÝmD
6. Ö[® í|>_ kò\VªD ¼>çk. ¨m EÅÍ> ka ¨ª WçªÂþS«ï^?

¶) ½RÄ[ g) ÃVìâ ç¦D ¸Äªü¦ Ö) ØåâØkVìÂ ~) Ö[·R«[ü
7. ØÃöB x>éV¹ï¹¦D ¶_ém g½â¦ì, ¦VÂ¦ì ¼ÃV[® Ø>Va_ ØÄFÃkìï¹¦D ØÄ[® ÖÝ>çïB Îò
sBVÃV« kVF©ç© Ãu¤ ØÄV[ªV_ ¶kìï^ ÖÍ> sBVÃV«Ý]_ ¼ÄòkVìï^ ¨ª Wç[ïþSìïáV?
¶) gD g) Ö_çé Ö) ØÄV_é x½BVm ~) 50% ¼ÄòþÅVìï^
8. Îò \V>D kç« ]ªÍ¼>VòD Ö«â½©ÃVzD Îò çÃÄV ¼kõ|\V? Ö_çé Ö[¼Å 10,00,000 ¼kõ|\V?
¶) Îò çÃÄV g) 10 éâÄD Ö) Ø>öBs_çé
9. cºïáV_ ÖÍ> kVF©çÃ ÃB[Ã|Ý> x½Bs_çéØBM_. cºï^ cÅsªòÂ¼ïV. ¶_ém

cºï^ åõÃòÂ¼ïV ÖÍ> kVF©çÃ >Ím c>¡TìïáV?
¶) x½¥D g) x½BVm Ö) Ø>öBs_çé ~) xBuE ØÄFBéVD
10. 15 ¶âçkÄìïÓ¦[ mkºzþSìï^. ‡ 20 kò¦ºïÓÂz ¸[ªV_ ¨Ý>çª ¶âçkÄìï^ ! . . . ?

¨[ª kò\Vª\ ÖòÂzD? 20 kò¦ºïÓÂz ¸[ªV_?! . . . . ! (Bees Saal Baad)
¶) tï ¶uA>\Vª sBVÃV«\Vï ÖòÂzD g) ØÃöB \V®>_ ÖòÂïVm.
Ö>[ ¸[ÃÂïÝ]_ cºï^ sk«ºïçá ¨¿] ¨ºïÓÂz ¨ºï^ ¶âçkÄìï^ Jé\
¨ºïÓÂz¶Ð©¸ çk¥ºï^.
\V>D Îò xçÅ å¦ÂzD zKÂïo_ Ãö·ïçá Øk_Kºï^.
1km Ãö· ‡ ½÷â¦_ ç¦ö 2km Ãö· ‡ ¼ÃV_¦ì 3km Ãö·‡ ©áVüÂ
54
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55
Magnum Investments
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kVF©çÃ åV|¼kVì ‡ ¨ºïçá åV|ºï^

x>Üâ½uz 6% kâ½ þç¦Ý>V_ ‡

Ö[ÐD Ãé sÄBºïÓ\ c^¼á

x>Üâ¦Váö[ ÃðD ¨ËkV® ÃVmïVÂï©Ã|þÅm?

ØÄÂÄ[ 31 ‡ ¸; ¶ásuz ¶]ï\Vï ÄDÃáD ØÃ®km >ç¦ ØÄFB©Ã|þÅm

ØÄÂÄ[ 34 ‡ ¸; cBì Ã>sl_ Öò©Ãkìïçá ¼kçéloòÍm ÀÂzD ¶]ïV«D ‡ ÃVoE>V«ì

ØÄÂÄ[ 40 ‡ ¸; Ö[·R«[ü Ø>Vaçé WìkVïD ØÄFk]_ ØÄé¡ïçá ïâ|ÃÃ|Ým>_

ØÄÂÄ[ 52 ‡ ¨ß; \Ý]B ¶«ÄVºïD ¼>çk©Ãâ¦V_ Ö[·R«[ü ïDØÃMïçá ¨|ÝmÂ

ØÄÂÄ[ 54; >VºïáVï¼k Ö[·R«[ü ïDØÃMçB J|D cöç\ >ç¦ ØÄFBÃÃ|þÅm ‡

gÂ·öB_ ¼k_RÄ[; ‡ gï·öB_ ¼k_RÄ[ ÎËØkVò kò¦xD x½Í>¡¦[ ÖòÂzD éV

x>Üâ¦Váö[ ÃðD ¨ËkV® ÃVmïVÂï©Ã|þÅm?

• Ro© ÃVoEï¹_ x>Ü| ØÄF¥D ØÃV¿m >MBVì ïDØÃMï^

Ãºzß ÄÍç>¥D ‡ Ö[·R«[·D

1) ¸ZtBD ¨Ëká¡ gõ|ï^ ïâ¦ ¼kõ|D?

2) å\m ÃðÝç> ¨©ØÃV¿m ]òDÃ© ØÃÅéVD?

3) å\Âz ¨Í> ¶á¡ éVÃD þç¦ÂzD? þBV«õ½¥¦[ ØÄV_é x½¥\V?

4) ÖÍ> ÃVoE¥¦[ Ö[·R«[ü ¼>ì¡ ØÄFBéV\V?

5) kò\Vª kö ÄKçï åVD ïâ|D ¸ZtBÝ]uz cõ|. - þç¦ÂzD éVÃÝ]uz\ cõ|.

ÖÍ> ÄKçï ‡ Ö[·R«[E_ ØÄFB©Ã|D x>Ü|ïÓÂz \â|¼\ cõ|

6) 5 s>\Vª Ãõ|ï^ c^áª.

sBVÃV«Ý]_ ÖòÂzD °uÅ ÖÅÂïºï^, ¼kçéï¹_ ÖòÂzD ü]«\uÅ >[ç\ Öçkïçá

¨_éVkuçÅ¥D s¦ xÂþB\Vï å\Âz °>Vkm Î[® å¦Ím sâ¦V_ å\m zwÍç>ïçá

¶©Ã½BVªV_ ]â¦t|>_ ¨[ÅV_ ¨[ª?

¨ª¼k ‡ ¸ZtBD ïðÂþ|k>uz Îò ¨¹ç\BVª ka:

Öm >V[ Àºï^ Ã½©A ØÄésuïVï ¼ÄtÂï ¼kõ½B -

ÖM kòD ïVéºï¹_ ¨Ëká¡ ØÄékVzD? Ö¼>V Îò ÃVìçk:

cBìÍm kòD cBì ï_s ØÄé¡ï^

zwÍç>ï^ Ã½©A ØÄé¡ïÓÂïVï ]â¦t|>KD

• 22 kB]_ Ö[çÅB ÖçáQìï^ gõ| Î[®Âz zçÅÍ>m 3 éâÄD ÄDÃáD kVºzþÅVìï^.

å|Ý>« kB]ªòD, sBVÃVöïÓD >V[ Ö>[ x¿Ý>[ç\çB Ö[ÐD cð«s_çé.

• Öm cºï^ ¼å«D ‡ Öm cºï^ ïVéD ‡ Ö[¼Å ]â¦t|ºï^.

æÂþ«D mkºzk>[ Ãé[ï^

30 kBm 40 kBm 50 kBm

A - 60,418 B - 22,982 C - 11,438

60 kB]_ Àºï^ WD\]BVï ÖòÂïéVD

Àºï^ ÃðÝ]uïVï ¼kçé ÃVìÝ>m ¼ÃVmD !

Ö«õ| sÄBºïçá ØÄV[ªV_ Àºï^ Öç> x¿ç\BVï AöÍm ØïV^Tìï^.

¸ZtBD 7 ïV«ðºïÓÂïVï ïâ¦©Ã|þÅm ¨[® ØÄV[¼ªVD ¶_ékV?

¶©Ã½BVªV_ åVD ¨Ëká¡ Ö[·R«[ü ¨|Âï ¼kõ|D?

Îòkì ¨©ØÃV¿m ÖòÍm ¼ÄtÂï g«D¸Âï ¼kõ|D?

ÎËØkVòkòÂzD ØÃVòÍmD kçïl_ °>Vkm ]â¦t|D xçÅï^ ÖòÂþ[ÅªkV?

ÃâØÛâ½º JéD ¼ïVÏük«ì gï x½¥\V?

kò¦D Î[®Âz 100 T>D ¼ÄtÝ>V_ 60 kB]_ ¨Ëká¡ þç¦ÂzD?

The smart way to simplify your Investments

• n gì ½ ° ka ïVâ|>o[ Ã½ ¨ºï^ ïDØÃM ¶âçkÄìï^ 6% \Í®D 10% ÂzöB káìßEçB

Ö[® xçÅBVï \V>V \V>\ ¼Ät©Ãm Îò ¼>çkBVª kÞQVªD gþ

] Ãkì g© ïVDÃ¡õ½º Îì c>V«ðD

Ö®]BVï 50 éâÄºï^ þç¦Âï åVD ÎkØkV® \V>xD ¨Ëká¡ ¼ÄtÂï ¼kõ|D?

Ö[·R«[Ä[¼ ¼>çk kVμïçïlª Îò xçÅ x½¡ ¨|Âï©Ã|km

kVμÂçï þöÂØïâ ¼ÃV[Åm; ‡ cºï^ gâ¦Ýç> ÄöBVï ]â¦t|ºï^

To know how to save for a better future,

The smart way to simplify your Investments

• n gì ½ ° ka ïVâ|>o[ Ã½ ¨ºï^ ïDØÃM ¶âçkÄìï^ 6% \Í®D 10% ÂzöB káìßEçB

2) DRß·k_ Ãõâ, 3) kºþ ¼Ät©Aï^, 4) öB_ ¨ü¼¦â, 5) >ºïD

kVμÂçïl[ íÂ¹ïçá ÄÍ]Âï >BV«Vzºï^. ‡ Ö[·R«[ü ¨|ÝmÂØïV^Óºï^.

¨Ý>çïB Ö[·R«[ü ¼>çk

‡ ¨õ¼¦VØ\õâ ]â¦ºï^, ØÃ[Ä[ ]â¦ºï^, ‡ \ïV çé© \u®D

Ro© x¿ g¥^ ÃVoEï^ ¶çªÝm¼\ ¼>çk.

kVμÂçï ]ÏØ«ª A_ ¦Vü >«éVD ‡ Ö[·R«[ü ¨|ÝmÂØïV^Óºï^.

¨Ý>çïB Ö[·R«[ü ¼>çk

ÃVmïV©çÃBD >òþum. Ro© x¿ g¥^ ÃVmïV©A ]â¦ºï^ EÅ©ÃVªçk

‡ kVμÂçï cºïçá ]ÏØ«ª «[ ¶¡â gÂþ s|D. ‡ >BV«Vï Öòºï^.

cºï^ ]â¦ºïçá WçÅ¼kuÅ ¨¹ç\BVª ka ‡ ¦V¦V °n÷ l[ ]â¦ºï^