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Goal Based Investing & Asset Allocation

It may not be very complicated to determine your financial goal - a comfortable retirement, childrenu2019s higher education, a new house or a new car are some of the popular goals but developing an appropriate asset allocation plan designed to meet those goals can be reasonably easy. Using online asset allocators can prove to be valuable to reduce volatility in your portfolio and enhance diversification.<br><br>While generally investments involve risks including a possible loss of principal, the risk gets proportionally mitigated when allocated prudently in different asset classes this process is also known as diversification. Typically, higher the returns, is higher the risk involved. Investors should understand fluctuations is one of the core characteristics of equity investments. The biggest factor in determining long-term investment success has been asset allocation. Asset allocation is investing your money in different categories of assets - typically equities, bonds and commodities, so your investments are well diversified.<br>Asset allocation is based on the premise that the different asset classes have varying cycles of performance, and that depending on your financial goal.

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Goal Based Investing & Asset Allocation

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  1. Goal Based Investing & Asset Allocation

  2. Savings Is ‘The Holy Grail’ Income – Expenses = Savings Or Income – Savings = Expenses

  3. Small & Regular Savings = Fortune in Making The numbers used in the table above are for illustrative purposes only

  4. Financial Commitments Brought You Here

  5. Step 1: Define Each & Every Goal of Yours 2.5 Cr 25 Years 20 Lacs 30% of 60 Lacs 14 Years 5 Lacs 5 Years 2 Years

  6. Step 2: Working on Your Financial Goals

  7. Step 3: Identifying the Asset Classes: • Quarterly compounding and Tax rate on Fixed Deposit assumed to be 30% Source: RBI, Bloomberg Past Performance may or may not be sustained in future.

  8. Step 3: Contd……..

  9. Steps 4: Importance Of Right Asset Allocation The above illustration is calculated for monthly SIP of Rs.24,000/-. Annual Return Assumed Equity – 15%, Debt – 8% and Gold – 6%. The above corpus are pre-tax.

  10. Various Asset Classes have done Well – and Poorly There have been years when equity markets had a brilliant run, years when bonds were dependable, and years when gold shined the brightest. Stay invested across asset classes * YTD - Jan to October 2020 The chart ranks the best to worst performing indexes per calendar year from top to bottom Past performance may or may not be sustained in future. Indices Used: S&P BSE Sensex Total Return Index; MCX Gold Commodity Index and CRISIL Composite Bond Fund Index Source: Bloomberg Imagine someone holding an all equity portfolio in 2008, or holding none in the equity rally that followed?

  11. Disclaimer – Terms of Use Mutual fund investments are subject to market risks, read all scheme related documents carefully. 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. Date : 7th December 2020.

  12. Thank You

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