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This presentation showcases how to plan for your financial goals factoring in inflation and how best to strategize your asset allocation & choose the best mutual funds to invest in.
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What are your financial goals? Dream Holiday A Car House Child’s Education Child’s Marriage Retirement Defining your goal is the first step towards Financial Planning.
Put a number to it, priorities & give a timeframe DREAM HOLIDAY CHILD’S EDUCATION CHILD’S MARRIAGE A CAR HOUSE RETIREMENT ₹2L ₹6L ₹60L ₹20L ₹30L ₹2.5Cr. 12 Months 3 Years 5 Years 15 Years 20 Years 25 Years Short Term Plan Medium Term Plan Long Term Plan Above number is illustrative purpose only
But consider inflation in your plans • Quarterly compounding and Tax rate on Fixed Deposit assumed to be 30% • 2019 as on March 2019 Inflation affects your savings and returns. Make sure your goals are aligned to inflation. Past Performance may or may not sustained in future
And create an emergency fund • Unplanned Expenses • Natural Calamities • Job Loss • Hospital Expenses • Sudden Loss of Income Keep 6-24 months of expenses in Liquid Fund, Bank Fixed Deposit so that It can be withdrawn immediately.
Now let’s understand & plan Short Term Needs 1-12 Months Medium Term Needs 12-60 Months Long Term Needs More than 60 Months YOUR MONEY CYCLE OBJECTIVE • Safety of Principal critical • Minimal volatility as one may need the money anytime • Better Returns, but capital to be safe • Little volatility to be expected • Returns have to beat inflation • Volatility can be blunted with time Use the Rest to Meet Expenses Earn an Income Set Aside Savings Options to Consider • Bank Fixed Deposit • Bank Recurring Deposit • Liquid / Money Market Funds • Short Term Debt Funds • Bank Fixed Deposits • Debt Funds • Corporate Fixed Deposits • Direct Equities • Equity Diversifies Mutual Funds • Real Estate • EFP & PPF Saving Before Spending, is the right way of financial planning.
Asset classes In addition to FD there are other investment to consider to achieve your goals RD/FD/Debt Gold/Gold ETFs Equities/MF Real Estate Amount Starts at ₹500 Starts at ₹500 Starts at ₹500 Huge Lumpsum Amount Volatility Very Low Volatility Low-Medium Volatility Medium-high Volatility Low Volatility Return 5-8% pa 8-9 %+ in a good year 12-15%+ in a good year 3-4% Rental Return; 5-10% Annual Return in a good year Taxation Interest Taxable Gain Taxable Gain Tax-free upto ₹1 lakh Gain Taxable Choose your investments depending on your Age, Risk appetite and Goals. Past Performance may or may not sustained in future. Unlike Fixed Deposit with Banks there is no capital protection guarantee or assurance of any return in Quantum Multi Asset Fund of Fund. Investments in Quantum Multi Asset Fund of Funds as compared to Fixed Deposit carry “moderately” high risk and is subject to market risk
IMPORTANT TO REMEMBER Ask NOT How Much BUT How Sustainable are your Investments?
Suggested fund allocation 24-80-20 Approach Emergency Funds equivalent to 24 month expenses. 20%in gold funds 80%in equity funds Please note that the above is the suggested fund allocation only and is not to be considered as investment advice/ recommendation. Please seek independent professional advice and arrive at an informed investment decision before making any investments.
Asset classes grow and contract in cycles Imagine someone holding an all equity portfolio in 2008,orholding none in the equity rally that followed? Source: Bloomberg as on Oct 2020 Past Performance may or may not sustained in future
Equity works best in long term Longer the tenure, better the return As the Markets are cyclic BULL RUN Euphoria Maximum Risk Suspicion Optimism Maximum Opportunity Panic Fear Depression BEAR PHASE
Why own Gold in your Portfolio? STORE OF VALUE Potential to Beat Inflation over the long-term. RETURNS A source of long-term return. DIVERSIFICATION Low correlation to major asset classes. PORTFOLIO IMPACT A history of improved portfolio risk-adjusted returns.
Gold –Shines when needed Source: Bloomberg as on Oct 2020 Past Performance may or may not sustained in future
Why own Debt in your Portfolio? LIQUID Liquid Debt Funds are good to park your money for 6-24 months SAFETY Low to moderate in risk category DIVERSIFICATION Low correlation to major asset classes PORTFOLIO IMPACT Good way to balance portfolio
Importance of right asset allocation Age Time to Retire Mr. A & Mr. B 35 years 20 years Retirement Corpus Required Rs. 2.20 Cr. The above illustration is calculated for monthly SIP of Rs.24,000/-. Annual Return Assumed Equity – 10%, Debt – 8% and Gold – 6%. The above corpus are pre-tax. The above table is for illustrative purpose only. The information is not to be considered as investment advice/ recommendation. Investment through SIP does not guarantee any return or protection of capital.
How Mutual Funds Work? Passed back to Pool in their money Investors Returns Fund Manager MUTUAL FUND Securities Generates Invests with securities In a mutual fund, our money is managed by a professional called fund manager.
Why invest with a Mutual Fund? Professional Management Transparency Diversification Flexibility Return Potential Choice of Schemes Low Cost Well Regulated Liquidity Tax benefits
Your money can do more, with Mutual Funds If you had Rs. 2,000 to invest in Equities which would you pick? Investor can invest in one-two companies at most. 2,000 / 2,344 = 0.85 shares 2,000 / 1125 = 1.78 shares 2,000 / 158 = 12.66 shares 2,000 / 241 = 8.30 shares 2,000 / 2,661 = 0.75 share Investor can invest in all companies at once through a mutual fund. The above information is for illustrative purpose only. The Mutual Fund schemes invest in stocks as per the scheme investment objectives.
Short term returns create “illusions”, don’t fall for them Has more capital to invest in a declining market. This is for illustration purpose only. Performance figures are not actual. Look at the long-term performance of the fund before investing.
Understand your risk profile, have realistic goals The above information is for illustrative purpose only and is not to be considered as investment advice / recommendation.
How to invest in MF, SIP or Lumpsum? SIP Lumpsum Amount ₹60,000 NAV 100 Units 600 SIP Total Units 601 NAV 98 Year End Value ₹58911 Lumpsum Total Units 600 NAV 98 Year End Value ₹58,800 SIP gives you the advantage of cost averaging. The above table is for illustrative purpose only. Investment through SIP does not guarantee any return or protection of capital.
What are ETFs? ETFs are basket of stocks that mirror an Index. For an example Nifty ETF mirrors Nifty in price movement. Advantages of ETF Simple way of investing Mirrors an Index Low Expenses Flexibility and reduced risk Liquidity
Our journey so far • Quantum Gold Savings Fund • India’s first fully paperless Online Investing Platform • Quantum Dynamic Bond Fund • Transactions through Email, WhatsApp & Fax • Quantum Gold Fund • Quantum Nifty ETF • Quantum Tax Saving Fund • Launch of Regular Plans • Set up Quantum AMC 2005 2006 2008 2009 2011 2012 2015 2016 2017 2019 • Quantum Long Term Equity Value Fund • Quantum Liquid Fund • Quantum Equity Fund of Funds • “Path to Profit” Launched • Quantum Multi Asset Fund of Funds • Quantum Long Term Equity Value Fund completes 10-year track record • Quantum India ESG Equity Fund
What we offer Direct to Investor Focused on low cost approach. Simple range of funds No confusion for investors Disciplined Research and Investment Process Team-driven, no “star” fund managers. Staying the course, no short cuts Asset managers, not asset gatherers.
01 Mr. Sorbh Gupta Work experience: 15years. He has been managing this fund Since December1, 2020. Mr. Nilesh Shetty Work experience: 16 years. He has been managing this fund Since March 28, 2011. Fund Manager Category of Scheme Value Fund Quantum Long Term Equity Value Fund • Uses bottom-up stock selection process used to minimize risk. • Follows disciplined research and investment process. • Low portfolio turnover. • Holds cash when stock are overvalued - no derivatives and no hedging. • Awell-balanced portfolio: typically 25 to 40 stocks, across sector. Features • Retirement Planning. • Child’s Education. • Child’s Marriage. • Wealth Creation. Useful for
02 Fund Manager Mr. Chirag Mehta Work experience: 18 years. He has been managing this fund since November 1, 2013. Category of Scheme Fund of Funds Domestic. • Exposure to 6-7 Diversified Equity Funds from the universe of approximately 500 funds. • The risk of wrong selection of funds is reduced as schemes is chosen with the research & expertise of Quantum. • Single fund manager risk is eliminated as your money is exposed to diverse fund management styles. • Minimum amount of Investment with as low as 500 rupees. • No hassles of making and tracking multiple investments. A single NAV is all you need to check. • The fund can rebalance and reallocate your money from underperforming schemes to better. • performing ones in a more tax efficient way. Quantum Equity Fund of Funds Features Useful for • Long term capital appreciation.
03 Mr. Chirag Mehta Work experience: 18 years. Ms. Sneha Joshi Work experience: 7 years. Both have been managing the fund since July 12, 2019. Fund Manager Category of Scheme Thematic Scheme. Quantum India ESG Equity Fund • Offers an avenue to invest in businesses adhering to sustainable practices that will drive long • term performance. • Invests based on a comprehensive in-house proprietary research on Environment, Social and • Governance aspects. • Offers a well-diversified exposure to good quality and sustainable companies with relatively low volatility and downside risk. Features Useful for • Long term capital appreciation.
04 Fund Manager Mr. Sorbh Gupta Work experience: 15 years. He has been managing this fund Since October 1, 2016. Category of Scheme Equity Linked Saving Scheme. Quantum Tax Saving Fund • Tax Benefit under Section 80C. • Minimizes risk by pursuing bottom-up stock selection. • Low portfolio turnover. • Holds cash when stocks are overvalued - no derivatives and no hedging. • Follows a value investment strategy. Features Useful for • Long term capital appreciation.
05 Mr. Chirag Mehta Work experience: 18 years. Mr. Nilesh Shetty Work experience: 16 years. Both have been managing this fund since July 11, 2012. Fund Manager Category of Scheme Fund of Funds Domestic. • Diversifies across asset classes – Equity, Debt & Gold • No need to time markets. The Fund manager strategically positions the portfolio • to generate optimal returns while watching risks. • Follows regular rebalancing approach within each asset class which allows Investors to "buy-low sell-high”. • Better and a more tax efficient option for investors who park their money in long term #FDs (3 years and above). • Aims at reducing volatility of returns. Quantum Multi Asset Fund of Funds Features • Long term capital appreciation and current income. • More tax efficient investment than long term Fixed Deposit (more than 3 years). Useful for
06 Fund Manager Mr. Pankaj Pathak Work experience: 10 years. He has been managing this fund since March 01, 2017. Category of Scheme Liquid Fund. Quantum Liquid Fund • Invested in government securities, treasury bills and AAA/A1 rated PSU Bonds • No private corporate credit risks. • Entire portfolio is marked-to-market daily to ensure the declared NAV is “real” • Disciplined asset liability management. • Disciplined proprietary research and investment process. • Weekly disclosure of portfolio. • Insta Redemption Facililty available Features Useful for • Short term investment and liquidity.
07 Mr. Chirag Mehta Work experience: 18 years. He has been managing this fund since May 19, 2011. Ms. Ghazal Jain Work experience: 4 years. She has been managing this fund since June 2, 2020. Fund Manager Category of Scheme Fund of Funds Domestic. Quantum Gold Savings Fund • Helps to diversify your Investments in gold. • Enables to invest in gold through SIP or STP of as little as Rs 500/month. • Does not require a demat account as is the case with Gold ETFs. • Does away with problems like storage & theft as the fund house takes care of all risks of storage & safety for a minimal expense ratio. • Ensures quality of gold is up to the mark as it invests in Quantum Gold Fund where the gold is • sourced from London Bullion Market Association approved refiners. Features Useful for • For diversification and long-term capital appreciation.
And Investors have reposed their faith on us YoY Active Investors
Disclaimer – Terms of Use The data in this presentation are meant for general reading purpose only and are not meant to serve as a professional guide/investment advice for the readers. This presentation has been prepared on the basis of publicly available information, internally developed data and other sources believed to be reliable. Whilst no action has been suggested or offered based upon the information provided herein, due care has been taken to endeavor that the facts are accurate and reasonable as on date. Quantum AMC shall make modifications and alterations to the performance and related data from time to time as may be required as per SEBI Mutual Fund Regulations. Readers are advised to seek independent professional advice and arrive at an informed investment decision before making any investment. None of the Sponsors, the Investment Manager, the Trustee, their respective Directors, Employees, Affiliates or Representatives shall be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including lost profits arising in any way from the data/information/opinions contained in this presentation. The Quantum AMC shall make modifications and alterations to the performance and related data from time to time as may be required. Please visit – www.QuantumMF.com to read scheme specific risk factors. Investors in the Scheme are not being offered a guaranteed or assured rate of return and there can be no assurance that the schemes objective will be achieved and the NAV of the scheme may go up and down depending upon the factors and forces affecting securities market. Investment in mutual fund units involves investment risk such as trading volumes, settlement risk, liquidity risk, default risk including possible loss of capital. Past performance of the sponsor / AMC / Mutual Fund does not indicate the future performance of the Scheme. Statutory Details: Quantum Mutual Fund (the Fund) has been constituted as a Trust under the Indian Trusts Act, 1882. Sponsor: Quantum Advisors Private Limited. (liability of Sponsor limited to Rs. 1,00,000/-). Trustee: Quantum Trustee Company Private Limited. Investment Manager: Quantum Asset Management Company Private Limited. The Sponsor, Trustee and Investment Manager are incorporated under the Companies Act, 1956. 1st January 2021 Mutual fund investments are subject to market risks, read all scheme related documents carefully.
