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Real Returns in Investing
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A Anil Singh (name changed), 44, works with a private company and believes in investing his entire savings in fixed deposits. His financials from the year 2000 till date is given in the table.
Anil's savings in FDs gave him an average return of around 8%. The total amount saved over the 174 months (From January 2000 to June 2014) is Rs 49.80 lakh. The value of his investment today is around Rs 66.71 lakh. Naveen Singh (name changed), 44, works in a similar profile like Anil. However his expenses were on the higher side. His financials are as in the table.
Naveen invested only in equities. The total amount saved over the 174 months (From January 2000 to June 2014) is Rs 38.40 lakh. The value of his current savings is Rs 69.11 lakh.
His average return is around 17.24%. The rate of return is based on the BSE sensex returns from the year 2000.
Naveen is richer than Anil by Rs 2.4 lakh over this time frame although he saved Rs 10.4 lakh lesser than him. Both Anil and Naveen have made wealth in this time frame. However, this corpus has to be seen in the light of inflation in the same time period. The retail inflation rate from the year 2000 till date is approximately 7%. Let us now see the inflation-adjusted real return that Anil and Naveen have made during this time frame.
Both Anil and Naveen have followed their own investment philosophy . They have invested in assets which they understand and which they thought is appropriate for them. Here, we are also not considering the incidence of taxation on the two investors which can change the returns for the two.
It is important to note that investors should consider a proper financial plan and allocate his/her portfolio on the basis of his/her needs and risk taking ability. This will help in optimizing ones resources and also in achieving his/her goals in an efficient and effective manner.
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