Asit C Mehta Investment Interrmediates brings to you the reasons to save your money. Save for a better & secure future. “Getting Rich is not a function of investing a lot of money; it is a result of investing regularly for long periods of time.”

1. Save for a Better Future

2. In our Class
• Saving
• Why to Save
• What is Inflation
• Investment
• Company Introduction
• Fixed Income Instruments

3. “Getting Rich is not a function of investing
a lot of money ; it is a result of investing
regularly for long periods of time.”

4. What is Saving
• Saving is income not spent, or deferred
consumption.
• Saving also includes reducing
expenditures, such as recurring costs.

5. Why to Save
• Save for Emergency Funds
• Save for Retirement
• Save for a Down Payment for a House
• Save for Vacations and Other Luxury Items
• Save for a New Car
• Save for Sinking Funds
• Save for Education

6. Inflation
• Inflation is the rise in the general level of prices of goods and
services in economy over a period of time.
• When the general price level rises, each unit of currency buys
fewer goods and services.
• Consequently, inflation also reflects an erosion in the purchasing
power of money – a loss of real value in the internal medium of
exchange and unit of account in the economy.

7. Can I afford a Pizza
P iz z a C o s t To d a y A fte r 1 y e a r A fte r 1 0 A fte r 2 0 y e a rs
Y e a rs
U nder R s 200 R s 200 R s 200 R s 200
M a ttre s s
In v e s te d a t R s 200 R s 208 R s 296 R s 438
4%
In v e s te d a t R s 200 R s 216 R s 431 R s 932
8%
In v e s te d a t R s 200 R s 220 R s 519 R s 1346
10%
In fla tio n R s 200 R s 217 R s 468 R s 1094
R a te 8 .8 7 %
8.87% is the Average inflation in India @ year 2011, if money is not saved above
Inflation rate than it is generating negative returns.

8. Wealth Creation vs. Destruction
Investment Wealth Creation
Savings
Only
Wealth Destruction
Bank Deposits

9. Investment
• Investment is putting money into something with
the expectation of gain, that upon thorough
analysis, has a high degree of security for the
principal amount, as well as security of return,
within an expected period of time.

10. Start as soon as possible……
Annual A g e In v e s tm e n t S ta r te d
In te re s t
R a te s
20 30 40 50
3% 1 8 5 ,4 4 0 1 2 9 ,9 2 4 7 2 ,9 1 9 3 7 ,1 9 8
6% 4 2 5 ,4 8 7 2 2 2 ,8 7 0 1 0 9 ,7 2 9 4 6 ,5 5 2
10% 1 ,4 3 7 ,8 1 0 5 4 2 ,0 4 9 1 9 6 ,6 9 4 6 3 ,5 4 5
…..And become a Millionaire!!!!!
Assuming: Rs 2000 Annual contribution accumulated to age 65;Used future value of
Annuity Formula to compute

11. Time is on your side
• The Miracle of Compound Interest :
Interest Earning Interest
Example Rs 100 * 5% = 105
With compound interest , In time 2
Rs 105 * 5% =110.25

12. Double your Money
• Rule of 72
Formula Example
• 72/Rate = Time 72/10%= 7.2 years
• 72/Years = Yield 72/10 =7.2%

13. About Us
The company is jointly promoted by noted stock market professionals Mr. Asit C. Mehta and Mrs. Deena
A. Mehta, and is a part of the Mumbai-based Nucleus Group of Companies. The founders have over 25
years of experience in the fields of finance, investments and technology.
The other group companies are engaged in IT and IT-related services such as database development,
back-office applications for banks, insurance and finance companies, content acquisition and corporate
document management solutions.

14. Vision:
To be a Trusted Financial Intermediary
Corporate Purpose:
To reach appropriate financial products, services and
solutions to every Indian entity.

16. Investment Services by ACMIIL
• Fixed Income Instruments
• Mutual Fund
• Initial Public Offering (IPO)
• Direct Participation in Secondary
Markets
• Live eXchange
• Commodity Derivatives Services
• Commodity Spot Services
• Currency Derivatives Services
• HNI Advisory service
• Investment Banking Service
• Institutional Service

17. Reach & Access
• Presence in all major cities including Tier-II and Tier-III locations in 26 states
• Over 50 branches across India
• Over 349 Investment Centers
• Over 315,000 Client accounts with almost 140,000 unique Clients
• Over 950 Employees

18. Membership & Licenses
• NSE: Capital, Derivatives, Debt & Currency Derivatives.
• BSE: Cash & Derivatives.
• FEDAI: Foreign Exchange.
• SEBI: PMS & Merchant Banking Category I.
• Commodities: NCDEX,NSEL,MCX,DGCX
• CDSL: Depository Participant

19. Our Achievements
• One of the first limited liability Companies to acquire membership on Bombay Stock
Exchange (BSE).
• One of the first multiple seat holders and multiple exchange members.
• One of the first private VSAT network users.
• The first to utilize a franchisee business model for Associates.
• The first to achieve the ISO quality certification for business processes from SGS. Currently
we are an "ISO 9001:2008" certified company.
• The first to receive a CRISIL grading for quality of operations and services.
• Company Managing Director Mrs. Deena A. Mehta was the first lady to be elected to the
governing board of the BSE and first and only lady to be the President of BSE.
• Mrs. Deena A. Mehta is also currently the First lady as the Trading Member in the BSE
Governing Board (post corporatization).

20. Fixed Income Instruments
Fixed income instruments guarantee both the capital and returns.Under these schemes, investors need
to deposit a lump sum amount for a fixed period at a predetermined rate. There are various types of
Fixed income instruments like: Bank FDs, Post office deposits, Corporate FDs, etc. However, they differ
in terms of interest rates, minimum investment, tenure and tax treatment of the interest income.
Best suited for:
• Every Investor seeking to have a risk-free certain minimum corpus accumulation over a definite time.
• Charitable Trusts and such other non-profit organizations which are required to invest in certain notified
instruments only as per Indian Trust Act.
• Investors who need to ensure near term liquidity needs (2-5 year horizon) such as higher education
fees, medical expenses and social obligations such as marriages, etc.

21. Fixed Income Instruments…(Continued)
Product features:
• Company fixed deposits offer lower safety and higher returns.
• Debentures are also issued from time to time by well known companies. These
debentures are often secured against the assets of the company.
• Capital gains can be invested in some notified instruments to save taxes.
• Can be bought for 1-10 year period with fixed returns ranging from 6% to 10% in various
instruments like fixed deposits, non-convertible debentures, etc.
• In case of fixed deposits, any premature encashment will result in lower interest than
originally contracted for.
Competitive advantage with ACMIIL:
• We have a panel that vets and decides on the company instruments that will be marketed
by our staff.
• This panel consists of experienced debt market professionals.
• The companies elected are judged for quality and the salient features of the instrument
which is used to raise money.

22. Advantage of Corporate Deposit
• High interest.
• Short-term deposits
• Lock-in period is only 6 months.
• No Income Tax is deducted at source if the interest income is up to Rs 5,000 in
one financial year
• Investment can be spread in more than one company, so that interest from
one company does not exceed Rs. 5,000

23. Current Deposit Schemes Available
• HDFC – Platinum Deposit Plan
Half Annual
Platinum Deposit Monthly Quarterly Cumulative
Yearly Income
Plan (Period) Income Plan Option Option*
Option Plan
15 months 9.65% 9.70% 9.80% - 10.00%
33 months 9.65% 9.70% 9.80% 10.00% 10.00%
Minimum Amount
40,000 20,000 20,000 20,000 20,000
(Rs.)
Interest rates on Deposits below Rs. 1 Crore

24. Sriram Unnati Fixed Deposit
Non Cumulative Scheme Cumulative Scheme
Period Annual
Minimum Half- Yearly Quarterly (% Maturity
Income (% Quarterly (% p.a.)
Deposit (Rs.) (% p.a.) p.a.) Value (Rs.)
p.a.)
12M 25000 9.25 9.05 8.95 9.25 27313
24M 25000 9.75 9.52 9.41 10.23 30115
36M 25000 10.75 10.47 10.34 11.94 33955
48M 25000 10.75 10.47 10.34 12.60 37600
60M 25000 10.75 10.47 10.34 13.32 41650

25. Call us Toll-Free: 1800 22 9002
Or at Landline: (022) 2858 4444
Website: www.investmentz.com
Follow us on www.twitter.com/ACM_Investmentz
Registered Office: Nucleus House, Saki Vihar Road, Andheri (E), Mumbai 400 072, INDIA.
Tel.: (022) 2858 3333 Fax: (022) 2857 7647 Email: customerservice@acm.co.in
SEBI / Regulatory Registration Nos: BSE:INB/INF 010607233 ·NSE:INB/INF/INE 230607239 ·PMS: INP000001920 Merchant Banking: INM000010973 ·DP Reg: IN-DP-CDSL-28-99 · DP ID .CDSL
12013200