Discover Details About Beyond SIP Online in India at Mirae Asset

1. Beyond SIP* *SIP – Systematic Investment Plan

2. What is SIP? S Systematic P Plan I SIP Investment

3. Beyond SIP How SIP is different from Savings? How does disciplined Investing help in the Long Term? SIP in Equity or Debt Think a Step Ahead

4. What is.. What is Goal Based Investing? What is Saving? What is Investing? Goal-based investing is an approach which aims to help people meet their particular goal. Savings = Income Earned - Expenses Investing = Saving + Growth Appreciation

5. Inflation Eats into the Value ₹ 100 ₹ 100 ₹ 90 ₹ 80 ₹ 70 59 ₹ ₹ 60 ₹ 50 Feb-13 Feb-14 Feb-15 Feb-16 Feb-17 Feb-18 Feb-19 Feb-20 Feb-21 Feb-22 Feb-23 Source: Bloomberg, India CPI index, Data from Feb-13 to Feb-23.

6. Why Invest through SIP? Power of Compounding Advantage of Volatility Rupee Cost Averaging

7. Benefits Of ‘Power Of Compounding’ ` Jaya ₹ 1,88,57,029 Jaya: Invested from Jan 2000 ₹10,000 Sushma Total Investment - Jaya Total Investment - Sushma Sushma: Invested ₹10,000 from Jan 2005 ₹ 76,56,161 ₹ 27,80,000 ₹ 21,80,000 Jan-00 Feb-23 Sep-00 May-01 May-18 May-20 Jun-22 Mar-08 Mar-10 Mar-12 Dec-12 Dec-14 Dec-16 Nov-08 Nov-10 Aug-13 Aug-15 Sep-02 Sep-17 Sep-19 Feb-04 Feb-06 Oct-21 Oct-04 Oct-06 Apr-14 Apr-16 Jun-03 Jun-05 Jun-07 Jan-02 Jan-19 Jan-21 Jul-09 Jul-11 Time changes the + to x , which is the biggest multiplier with time. Source: AceMF, Amount invested in Nifty 50 Index (TRI) on 10th day of every month since Jan-2000 to Feb-2023. Past performance may or may not be sustained in the future. The data shown above pertains to the Index and does not in manner indicate performance of any scheme of the Fund. The above chart is not to be construed as guarantee of performance of Systematic investment Plans

8. Disciplined Investing is Important Small amounts put away for long term may yield better results 1 2 Compounding can help you reach your desired goals Increasing investment amount with rising income could help in achieving the goal faster 3 4 Reviewing your plan regularly gives more clarity

9. Next Step in SIP 1 Top UP is Powerful – How? Catch the Bad Days – Why? 2

10. How Does it Work ? Jan-2003 Month Feb-2003 Mar-2003 Apr-2003 May-2003 Jun-2003 Total Index value of the Nifty 50 Index (TRI) 1115 . 88 1069.00 1042.34 1158.30 1196 . 96 1162 . 32 Amount Invested (₹) 10 , 000 10 , 000 10 , 000 10 , 000 10 , 000 10 , 000 60 , 000 SIP 8 . 35 8 . 60 8 . 96 9 . 35 9 . 59 8 . 63 53.50 Unit allocation Market Value 19 , 711 28 , 923 37 , 708 46 , 768 61 , 970 10 , 000 61, 970 Amount Invested (₹) 60 , 000 60 , 000 Lump Sum Unit allocation 50 . 13 50.13 58 , 062 58, 062 Market Value 58 , 264 55 , 936 53 , 586 52 , 249 60 , 000 By investing sums at regular intervals, you pick up more units when the price is low and less units when the price is high. This brings down the average cost of your units and hence may increase your potential returns. Source: AceMF, Amount invested in Nifty 50 Index (TRI) on 10th day of every month since Jan-2003 to Jun-2003. The data shown above pertains to the Index and does not in manner indicate performance of any scheme of the Fund. The above chart is not to be construed as guarantee of performance of Systematic investment Plans (SIP) in mutual funds. Past performance are Past performance may or may not be sustained in the future.

11. Seek to Achieve Goal Faster 30 years old Professional, Ms. Prachi in Feb 1993 I Want to plan for my retirement and want Rs 3 cr by the time I reach 60 years (Feb 2023) When Ms. Prachi become 60 years old Capital Appreciation Total Investment Rs 18.12 Lakh SIP Rs 1.77 Cr Rs 1.59 Cr Option1 Rs 6,000 Incremental Top-up 5% yearly Rs 37.41 Lakh + + SIP Rs 2.16 Cr Rs 2.53 Cr Option2 Rs 6,000 Incremental Top-up 10% yearly Rs 53.16 Lakh SIP Rs 3.23 Cr Rs 2.72 Cr Option3 Rs 6,000 Useful when current surplus is low. Auto route to increase savings. Achieve goals faster. Source: AceMF, Amount invested in S&P BSE Sensex since Feb-1993 . The data shown above pertains to the Index and does not in manner indicate performance of any scheme of the Fund. The above chart is not to be construed as guarantee of performance of Systematic investment Plans (SIP) in mutual funds.Past performance may or may not be sustained in the future. Inflation and taxes are not

13. How To Approach We Usually Invest For Long Term Goals, But Not Everything is Long Term . As an Investor one needs to achieve Short Term Goals to Reach the Long Term Goals.

14. Investor Journey This is How Investors have Moved in the long run Return Equity Fund Hybrid Funds Long term Debt funds Short and medium term Debt funds Liquid and Liquid Plus Funds Bank Fixed Deposits Risk This is how Investors should have ideally Moved We always focus on Wealth creation more than savings, saving is an investors need. Investors end up investing in Equity before Debt and in Debt before Saving, whereas it should be the other way round. Plan for short term goals so long term goals can be achieved. The risk-return spectrum shown above is for broadly explaining the risk-return spectrum of Mutual fund schemes category. The actual risk-return of the schemes categories mentioned above may or may not be in line with the risk-return curve shown above.

15. How to Select a Fund for a SIP EQUITY FUND DEBT FUND SIP Goal Recommended Tenure For short term goals 6- 9 Months Ultra Short Term Fund Savings Fund For short term goals 9 Months – 1 Year Money Market fund For short term goals 1 years – 1.5 Years Short Term Fund For medium term goals 1.5 Years – 2.5 Years Banking and PSU Debt Funds For medium term goals 2.5 Years – 3 Years Equity Savings Fund (Hybrid) Corporate Bond Funds For medium term goals 2.5 Years – 3 Years Hybrid Equity Fund Dynamic Bond Funds For Long term goals 3.5 Years – 5 Years Domestic and International Pure Equity Fund Gilt Fund/ long duration For Long term goals 5 years and above Please consult your financial advisor or mutual fund distributor for choosing the right fund according to your goal. Schemes mentioned are as per SEBI categorisation circular date October 06, 2017

16. Cricket and Investment Batting = Equity Bowling = Debt Discipline is required in batting and investing. Disciplined investment can be done through SIP in equity. Discipline is required in bowling as well and discipline investing in debt can be done through SIP. Strong batting is required for scoring high –SIP in equity can boost the returns Strong bowling is needed to win the match –SIP in debt may reduce the volatility and create balance Batting and Bowling are needed to win the match. Similarly, Equity and Debt funds both are needed for a strong portfolio.

17. ASSET ALLOCATION FOR INVESTOR AND YOU Debt Allocation Supports Equity Investment & Debt SIP to Equity SIP But How? Short Term Goals and Long Term Goals are different Blend of Equity and Debt keeps you away from volatility SIP in Debt helps in Compounding Equity

18. Timing & Time In the Market No one knows where the market will move. Similarly, no one knows where the interest rate willmove. What we say inEquity Timing the market is not important but time in the market is. HENCE SIP IN EQUITY SAME WORKS FOR DEBT CONFUSED ABOUT INTEREST RATEOUTLOOK? JUST invest in Debt through SIP.

19. Why SIP? Benefits of SIP Disciplined Investment Benefit of Volatility Rupee cost averaging Can be used to achieve both short and long term goals Seeks to Reduce portfolio volatility Can benefit from interest rate cycle Asset Allocation

20. Hand Holding from your Advisor Start the Process SIP in Different Asset Classes Stay on Course but review the Scheme Top up Investment Buy on Bad Days – Reduce Cost Seek to achieve your Goal Please consult your financial advisor or mutual fund distributor for choosing the right fund according to your goal.

21. Conclusion Investors can Consider both Equity & Debt for SIP Long term debt SIPs in short term products may help in achieving short term goals & annual cash require- ments, savings behavior Equity works usually on the long term goals SIP may be considered a good tool for Goal Planning SIP helps in taking advantage of volatility Risk Reward adjustment comes with SIP automatically in Both Asset Classes

22. Disclaimer An Investor Education & Awareness Initiative by Mirae Asset Mutual Fund. The information contained in this document is compiled from third party and publically available sources and is included for general information purposes only. There can be no assurance and guarantee on the yields. Views expressed by the Fund Manager cannot be construed to be a decision to invest. The statements contained herein are based on current views and involve known and unknown risks and uncertainties. Whilst Mirae Asset Investment Managers (India) Private Limited (the AMC) shall have no responsibility/liability whatsoever for the accuracy or any use or reliance thereof of such information. The AMC, its associate or sponsors or group companies, its Directors or employees accepts no liability for any loss or damage of any kind resulting out of the use of this document. The recipient(s) before acting on any information herein should make his/her/their own investigation and seek appropriate professional advice and shall alone be fully responsible / liable for any decision taken on the basis of information contained herein. Any reliance on the accuracy or use of such information shall be done only after consultation to the financial consultant to understand the specific legal, tax or financial implications. All Mutual Fund investors have to go through a one-time KYC (Know Your Customer) process. Investors should deal only with Registered Mutual Funds (RMF). For further information on KYC, RMFs and procedure to lodge a complaint in case of any grievance, you may refer the Knowledge Center section available on the website of Mirae Asset Mutual Fund. An Investor Education & Awareness Initiative by Mirae Asset Mutual Fund. All Mutual Fund investors have to go through a one time KYC (Know Your Customer) process. Investors should deal only with Registered Mutual Funds. For further information on KYC, RMFs and procedure to lodge a complaint in case of any grievance, you may refer the Knowledge Center section available on the website of Mirae Asset Mutual Fund. Mutual fund investments are subject to market risks, read all scheme related documents carefully. Please consult your Financial Advisor and Mutual Fund Distributor before investing

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