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Goal based investing

Understanding the purpose of your investment gives you greater clarity on establishing the right investment goals. Is it your childu2019s education, buying a new home or retirement? Setting investment goals certainly demands a dose of realism and our best bet is to factor u201clifeu201d into our goals. Depending on your goals, you need to plan your portfolio and whether you need to rebalance it. This is where asset allocation strategy comes into focus. Asset allocation simply means dividing up your assets in the right proportions among equities, debt, bonds, and gold to maximize your chance of achieving your financial goals while also trying to control investment risk.

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Goal based investing

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  1. “What is the right strategy to adopt while starting a new investment” Simplicity. Transparency. Integrity.

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

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

  4. Financial Commitments Brought You Here www.QuantumMF.com

  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% • 2019E as on March 2019

  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 Dec 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 Mutual fund investments are subject to market risks, read all scheme related documents carefully. Please visit – www.QuantumMF.com to read scheme specific risk factors. Investors in the Scheme(s) 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(s) 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(s). 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. 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 as per SEBI Mutual Fund Regulations.

  12. Thank You (dhanyawaadagalu) (nandri)

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