Smart Wealth Creation Ideas

Equity + Safety = Prosperity

 Risk Disclosure and Disclaimer

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CA Govind Jhawar
Founder & CEO
Life
• Completed 18 Half Marathons and 1 Full
Marathon till now.
• He believes and attends Vipassana
Shivirs
regularly.
• An avid Book reader
• Believes in balancing all aspect of life i.e.
Health, Wealth, Family, Social, Mental and
Spiritual
Two Basic Needs of an Investor

SAFETY GROWTH
Good
Retuíns but
Risfiy
• Equity
• Startups
• AIFs
Index Long Term
Strategy
Low Risk & High Return Strategy
 Why
Property?
Never becomes Zero
Sooner or Later Price will Grow
Equity
We
Risk - HIGH D ecided
Trading in individual Equity – No
Return - HIGH Where we Trade? – INDEX
Zero
 Why Nifty
Index??
Top 50 Market Capitalization SharesAVERAGE

• Satyam 1 Reliance

• RCom 2 TCS
3 HDFC Bank
… ……
51 - 50 IN
OUT
Hence, It will never become ZERO
 Why Nifty
Index??
Top 50 Market Capitalization SharesAVERAGE
1 Reliance 13 L Crore
• Satyam
2 TCS 12 L Crore
• RCom
3 HDFC Bank 8 L Crore

… ……
51 - OUT 50 IN

Hence, It will never become ZERO

Nifty = 15,000 Rs. 117 Lacs Crore

Today – Richest Company – 13,00,000 Crores
After 15 - 20 Years – Richest Company -
 Why Why Index?
Property?
Never becomes Zero

Sooner or Later Price will Grow

 Nifty Index

Inde
Risk covered

• Inflation Risk
• Default Risk
• Exchange Rate Risk
• Liquidity Risk
• Business Risk
• Unsystematic Risk
 “Equity + Safety =
Prosperity”
Buy Nifty Shares = Rs.10,000
Buy Safety / Put Options 1 Year – 5 % = 500
Rs.
Total = Rs. 10,500
Cost
Rs. 1 Crore – 95 Lacs
 Worst C ase
Scenario

Year 2022 2023 2024 2025 2026

Nifty 10,000 12,000 8,000 12,000 10,000

Fund Value 1 Crore 1.20 Crore 1.20 Crore 1.80 Crore 1.80 Crore

Safety - 5 Lacs - 6 Lacs - 6 Lacs - 9 Lacs -26 Lacs

(Rs.)

1.54 Crore
Market remains same but we Grow
 Past 19 Years
Performance
Instrument Nifty Strategy

Returns 16 Times 27 Times

Risk - 52% - 5%

High Risk = High Returns

Smart Calculation = High Returns
 Relax Strategy

Index ETF 30 Lacs Put on Collateral

Futures 70 Lacs 5% / Year

Investment of Rs. 1 Crore

30 Lacs in Equity Tota 100 Lacs Count P&L

l
Hedging @ 5%/Year - 5 Lacs

Cost Finance - 3.5 Lacs

Protection
Tota -8.5 Lacs
l Finance
Interest from
Debt 7.15% / Year +5 Lacs
70 Lacs in Debt
Net Cost -3.50% -3.50 Lacs
 Basic Strategy
Put on
Index ETF 30 Lacs Collateral
Futures 70 Lacs 5% / Year
Investment of Rs. 1 Crore

30 Lacs in Equity Total 100 Lacs Count P&L

Hedging @ 5%/Year -5 Lacs

Cost Finance -3.5 Lacs

Protection
Total -8.5 Lacs
Finance
70 Lacs in other Income 9% / Year +6.3 Lacs
investment /
Business Net Cost -2.20% -2.20 Lacs
 Power Booster Strategy

Put on
Index ETF
Future 30 Lacs
100 Lacs 5% / Year
Collatera
s
e 30 Lacs Stocks Futures 70 Lacs
l
5% / Year
Investment of Rs. 1 Crore

or +10 Lacs Cheque

Tota
l
100 Lacs Count P&L
30 Lacs in Equity
Cr Hedging @ 5%/Year -5 Lacs
1
Rs Cost Finance -5 Lacs
. Protection
Tota -10 Lacs
of l
t Finance
90 Lacs in other Income 9% / Year +8.1 Lacs
investment /
t Business Net Cost -1.90% -1.90 Lacs
m
 Index Long Term Strategy of Rs. 1
Date Nifty C rore
Investment Nifty NLV Strategy NLV Nifty P&L Strategy P&L Nifty (%) Strategy (%)
12/31/2002 1100 -1,00,00,000 1,00,00,000 1,00,00,000
12/31/2003 1880 0 1,70,90,909 1,67,60,056 70,90,909 67,60,056 71% 68%
12/31/2004 2081 0 1,89,18,182 1,79,98,723 18,27,273 12,38,667 11% 7%
12/30/2005 2837 0 2,57,90,909 2,39,44,708 68,72,727 59,45,985 36% 33%
12/29/2006 3966 0 3,60,54,545 3,26,93,027 1,02,63,636 87,48,318 40% 37%
12/31/2007 6139 0 5,58,09,091 4,95,20,007 1,97,54,545 1,68,26,980 55% 51%
12/31/2008 2959 0 2,69,00,000 4,78,89,738 -2,89,09,091 -16,30,269 -52% -3%
12/31/2009 5201 0 4,72,81,818 8,29,36,626 2,03,81,818 3,50,46,888 76% 73%
12/31/2010 6135 0 5,57,72,727 9,50,98,906 84,90,909 1,21,62,280 18% 15%
12/30/2011 4624 0 4,20,36,364 9,19,59,208 -1,37,36,364 -31,39,698 -25% -3%
12/31/2012 5905 0 5,36,81,818 11,47,05,337 1,16,45,455 2,27,46,129 28% 25%
12/31/2013 6304 0 5,73,09,091 11,86,74,511 36,27,273 39,69,174 7% 3%
12/31/2014 8283 0 7,53,00,000 15,20,00,826 1,79,90,909 3,33,26,315 31% 28%
12/31/2015 7946 0 7,22,36,364 14,69,88,344 -30,63,636 -50,12,481 -4% -3%
12/30/2016 8186 0 7,44,18,182 14,66,37,904 21,81,818 -3,50,440 3% 0%
12/29/2017 10531 0 9,57,36,364 18,37,94,537 2,13,18,182 3,71,56,633 29% 25%
12/31/2018 10780 0 9,80,00,000 18,20,79,765 22,63,636 -17,14,772 2% -1%
12/31/2019 12168 0 11,06,18,182 19,95,12,264 1,26,18,182 1,74,32,498 13% 10%
12/31/2020 13982 0 12,71,09,091 22,26,51,735 1,64,90,909 2,31,39,472 15% 12%
12/31/2021 17354 0 15,77,63,636 26,89,99,158 3,06,54,545 4,63,47,423 24% 21%
-1,00,00,000 26,89,99,158 14,77,63,636 25,89,99,158
 Risk Return Profile

Annual Compounded Return 18.90%

Annual Risk 4%
ILTS Performance since
2014
 Feature
s
• Combination of Equity & Futures
with Safety • No Lock in Period
• Logical Period of Investment is 5 to 10
• Calculated Risk
Years
• Index Based Strategy
• Trading through Algorithms
• Low Risk Profile
• Retirement & Higher Education
• Strong Past Record
• Trades in your own Account
• People can see live Account
• Systematic Withdrawal
 M inimum Exposure

Exposure: Value of 1 Lot of Nifty

Example: Nifty Running at Rs. 18000
Rs. 18000 X 50 units
= Rs. 9,00,000/-
 O ne Lot
Investment

Relax Basic Power Booster

30% Stock + 10%

Initial Investment 100% Cheque 30%
Cheque

Cheque 9,00,000 2,70,000 90,000

Shares / MF 0 0 2,70,000

* Assuming Nifty level 18,000/-

 Various Plans - For one Lot

Relax Basic Power Booster

Initial Investment 9,00,000 2,70,000 Rs.90,000

Return On 9,00,000 9,00,000 9,00,000

Annual Cost -30,000 -75,000 -90,000

Interest saved On 0 6,30,000 8,10,000

Interest Saved 0 +45,000 +60,000

Net Cost -30,000 -30,000 -30,000

 C ash Flow

Relax Basic Power Booster

Initial Investment 9,00,000 2,70,000 90,000

Annual Cost 30,000 75,000 90,000

Monthly SIP N/A 6,000 7,000

● Two options of Investment

○ Initial Investment + Annual Cost
○ Initial Investment + Monthly SIP * Assuming Nifty level 18,000/-
What is the Challenge?
Challenge

• Maintaining Annual Cost

Solution

• Invest SIP on Monthly Basis

 For whom?

People who...
• want to move from Debt Trap to Financial Freedom
• can take calculated risk
• can stay for more than 3 years
 Not For whom?

Who want to
earn from
Intraday or
short term
trading
 C omparison with other Investments

Index Long Term

Equity Impact
Strategy

Initial Investment 10 Lacs 10 Lacs Similar

If Market Rise 100% 20 Lacs 19.6 Lacs Similar

If market Falls 50% 5 Lacs 9.60 Lacs Low

Index is going to rise in longer run, then why to buy Protection?
Is it a right time to invest?

If market rise
• Good for us

If market
falls
• Risk is
defined
 I want to know more...

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