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While we all have goals but very of us have what it takes to achieve them. To achieve your goals sync them with proper systematical investments, get fiscal disciplined and take the first step now. There are verities of mutual funds in the market that can suite your risk appetite & goals. Choose one and take your first step towards achieving your goal.
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February 2021 Private & Confidential
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 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 2 Years 5 Years 15 Years 25 Years 25 Years Short Term Plan Medium Term Plan Long Term Plan Above number is illustrative purpose only
Create an Emergency Fund • Unplanned Expenses • Natural Calamities • Job Loss • Hospital Expenses • Sudden Loss of Income Keep 6-12 months of expenses in Liquid Fund, Bank Fixed Deposit so that It can be withdrawn immediately.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 Real Estate Equities/MF Amount Starts at ₹500 Starts at ₹500 Huge Lumpsum Amount Starts at ₹500 Volatility Very Low Volatility Low-Medium Volatility Low Volatility Medium-high Volatility Return 5-8% pa 8-9 %+ in the Long Term 3-4% Rental Return; 5-10% Returns in the Long Term 12-15%+ in a Long Term Gain Tax-free upto ₹1 lakh Taxation Interest Taxable Gain Taxable Rental Income, Gains Taxable Choose your investments depending on your Age, Risk appetite and Wealth Goals. The comparison with Fixed Deposits has been given for the purpose of the general information only and not a recommendation to invest. Investments in Mutual Funds should not be construed as a promise, guarantee on or a forecast of any minimum returns. Unlike Fixed Deposit with Banks there is no capital protection guarantee or assurance of any return in Mutual Funds. Investments in Mutual Funds as compared to Fixed deposit carry moderately high risk, different tax treatment and subject to market risk and any investment decision needs to be taken only after consulting the Tax Consultant or Financial Advisor
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.
Why own Debt in your Portfolio? LIQUID Liquid Debt Funds are good to park your money for 6-12 months SAFETY Low to moderate in risk category DIVERSIFICATION Low correlation to major asset classes PORTFOLIO IMPACT Good way to balance portfolio
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.
Suggested Fund Allocation 12-80-20 Approach Emergency Funds equivalent to 12 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.
For additional information, please contact: Sandeep Bhosle AVP- Customer Interaction Email: SandeepB@QuantumAMC.com Mobile: +91-98209-43101 Office :+91-22-6144-7804 Fax :+91-22-2285-4318 Website: www.QuantumAMC.com Quantum Asset Management CompanyPrivate Limited Hoechst House, 7th Floor, Nariman Point Mumbai-400021, India
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. 25rth February 2021 Mutual fund investments are subject to market risks, read all scheme related documents carefully.
