What is asset allocation

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Prudent Financial Planning with Right Asset
Allocation
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Now lets understand Savings First..
YOUR MONEY CYCLE
Saving Before Spending, is the right way of
financial planning.
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What are your financial goals?
A Car
Dream Holiday
House
Childs Marriage
Retirement
Childs Education
Defining your goal is the first step towards
planning.
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Put a number to it, priorities give a timeframe
DREAM HOLIDAY
CHILDS EDUCATION
CHILDS MARRIAGE
A CAR
HOUSE
RETIREMENT
?6L
?60L
?2L
?2.5Cr.
?20L
?30L
12 Months 2 Years 5 Years 15 Years
25 Years 25 Years Long Term Plan Above number
is illustrative purpose only
Short Term Plan
Medium Term Plan
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Needs and Investment Options
Short Term Needs 1-12 Months
Medium Term Needs 12-60 Months
Long Term Needs More than 60 Months
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

Options to Consider

• Bank Fixed Deposit
• Bank Recurring Deposit
• Liquid / Money Market Funds
• Short Term Debt Funds

• Direct Equities
• Equity Diversifies Mutual Funds
• Real Estate
• EFP PPF

• Bank Fixed Deposits
• Debt Funds
• Corporate Fixed Deposits

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Investment avenues to achieve your goal
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 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
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But consider inflation in your plans
Consumer Basket 1990 2000 2010 2015 2020 CAGR
TOTAL SPENDING PER ANNUM 23,759 68,923 151,279 280,064 427,619 10.1

Price of gold, INR/10 grams 3,409 4,528 18,268 26,335 50,104 9.4
Units ( Grams) of gold to consume my basket 70 152 83 106 85

BSE SENSEX 730 4,659 15,585 26,557 47,751 14.9
Units of BSE-30 Index to consume my basket 33 15 10 11 9

Fixed Deposit Basket Index Value (Value of initial investment Jan 1, 1990 1000) (SBI 1 Year Deposit Rate) 1,064 2,220 3,550 4,628 5,814 6.0
Units of FD Basket to consume my basket 22 31 43 61 73

• Quarterly compounding and Tax rate on Fixed
  Deposit assumed to be 30
• Data as on December 2020.
• Inflation affects your savings and returns. Make
  sure your goals are aligned to inflation.
• Past Performance may or may not sustained in
  future

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What is Asset Allocation?
Asset allocation involves dividing an investment
portfolio among different asset categories like
equities, bonds, property, commodities and cash
Summer
Monsoon
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Benefits of Asset Allocation
Reduced Risk A properly allocated portfolio
strives to lower volatility or fluctuation in
returns, by simultaneously spreading market risk
across several asset class categories
Long term Risk Adjusted Returns By Investing in
a variety of asset class you can improve your
chance of participating in market gains and
lessen the impact of poorly performing asset
class categories on overall results
A Greater focus on LongTerm Goals A properly
allocated portfolio is designed to alleviate
the need to constantly adjust investment
positions to chase market trends. It can also
help reduce the urge to buy or sell in response
to short term market swings.
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Importance of right asset allocation
Retirement Corpus Required Rs. 2.20 Cr.
Age 35 years
Time to Retire 20 years
Mr. A Mr. B
Investment Allocation Mr. A Corpus (Rs) Mr. B Corpus (Rs)
Equities 30 95.54 L 60 1.91 Cr
Debt Cash 60 82.46 L 30 41.23 L
Gold 10 10.93 L 10 10.93 L
Total 100 1.88 Cr 100 2.43 Cr
Likely to achieve the goal
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.
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Benefits of Diversification
100 80
Imagine someone holding an all equity portfolio
in 2008, or holding none in the equity rally
that followed?
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40 20 0 -20 -40 -60
2006
2007
2008
2009
2010
2011
2015
2016
2017
2018
2019
2020
2012 Equity
2013 Gold
2014 Bonds
Source Bloomberg Data as on December 2020
Past Performance may or may not sustained in
future
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Ignore Asset Allocation at your own Peril
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There have been years when equity markets had a br
illiant run, years when only bonds were dependable
, and years when gold shined the brightest, and
these periods did not typically overlap
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
Sensex 49 Sensex 49 Gold 26 Sensex 83 Gold 23 Gold 32 Sensex 28 Sensex 11 Sensex 32 Bonds 9 Bonds 13 Sensex 30 Gold 8 Gold 16 Gold 28 Sensex 2
Gold 20 Gold 16 Bonds 9 Gold 24 Sensex 19 Bonds 7 Gold 12 Bonds 4 Bonds 14 Sensex -4 Gold 11 Gold 5 Sensex 7 Sensex 14 Bonds 17 Bonds 0.3
Bonds 4 Bonds 7 Sensex -52 Bonds 4 Bonds 5 Sensex -24 Bonds 9 Gold -5 Gold -8 Gold -7 Sensex 3 Bonds 5 Bonds 6 Bonds 11 Sensex 12 Gold -5
Past performance may or may not sustained in
future The chart ranks the best to worst
performing indexes per calendar year from top to
bottom Data as of April 2021 Past performance
may or may not be sustained in future. Based on
SP BSE Sensex Domestic Gold prices 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?
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How Mutual Funds Work?
MUTUAL FUND
In a mutual fund, our money is managed by a
professional called fund manager.
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Why invest with a Mutual Fund?
Professional Management
Transparency
Diversification
Flexibility
Return Potential
Choice of Schemes
Low Cost
Well Regulated
Liquidity
Tax benefits
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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.
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Phases of our lives
Family Responsibilities
Young Carefree
PLAY INVESTMENT SACRED MONEY
PLAY INVESTMENT SACRED MONEY
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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.
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Create an Emergency Fund
Unplanned Expenses
Natural Calamities
Job Loss
Sudden Loss of Income
Hospital Expenses
Keep 6-12 months of expenses in Liquid Fund, Bank
Fixed Deposit so that It can be withdrawn
immediately.
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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.
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Our Suggested Allocation
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Equity generally 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
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Start Your Journey with us
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Our Journey so Far

• Quantum Gold Savings Fund
• Indias 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

• Set up Quantum
• AMC

• Launch of
• Regular Plans

2005
2006
2008
2009
2011
2012
2015
2016
2017
2019

• Quantum Long Term Equity Value Fund completes
  10-year track record

• Quantum Long Term Equity Value Fund
• Quantum Liquid Fund

• Quantum Equity Fund of Funds

• Quantum Multi Asset Fund of Funds

• Quantum India ESG Equity Fund

• Path to Profit Launched

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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.
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Fund Manager Mr. Sorbh Gupta Work experience 15.9 years. 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.
Category of Scheme Value Fund
Features QLTEVF uses bottom-up stock selection process used to minimize risk. QLTEVF Follows disciplined research and investment process. QLTEVF has a low portfolio turnover. QLTEVF holds cash when stock are overvalued - no derivatives and no hedging. QLTEVF contains a well-balanced portfolio typically 25 to 40 stocks, across sector.
Useful for Retirement. Childs Education. Childs Marriage. Wealth Creation.
01 Quantum Long Term Equity Value Fund
27
02
Fund Manager Mr. Chirag Mehta Work experience 19 years. He has been managing this fund since November 1, 2013.
Category of Scheme Fund of Funds Domestic.
Features Exposure to congruous and diligent performer from a cluttered equity fund universe of approximately 500 funds. The risk of wrong selection of funds is reduced as a basket of the finest schemes is chosen with the research expertise of Quantum. Single manager risk is eliminated as your money is exposed to diverse fund management styles. You can gain exposure to a basket of 6-7 diversified equity schemes with a mere 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.
Useful for
Quantum Equity Fund of Funds
performing ones in a more tax efficient
way. Long term capital appreciation.
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Fund Manager Mr. Chirag Mehta Work experience 19 years. Ms. Sneha Joshi Work experience 7 years. Both have been managing the fund since July 12, 2019.
Category of Scheme Thematic Scheme.
Features 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.
Useful for Long term capital appreciation.
03 Quantum India ESG Equity Fund
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Fund Manager Mr. Sorbh Gupta Work experience 15.9 years. He has been managing this fund Since October 1, 2016.
Category of Scheme Equity Linked Saving Scheme.
Features QTSF optimizes tax saving under Section 80C. QTSF minimizes risk by pursuing bottom-up stock selection. QTSF has a lower portfolio turnover. QTSF holds cash when stocks are overvalued - no derivatives and no hedging. QTSF follows a value investment strategy.
Useful for Long term capital appreciation.
04 Quantum Tax Saving Fund
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Fund Manager Mr. Chirag Mehta Work experience 19 years. Mr. Nilesh Shetty Work experience 16 years. Both have been managing this fund since July 11, 2012.
Category of Scheme Fund of Funds Domestic.
Features Diversifies across asset classes - which mitigates risk inherent of a particular asset class and provides risk adjusted returns. Reduces dependency on a single asset class to generate returns. No need to time markets. Invest in peace - 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. Aims at reducing volatility of returns.
Useful for Long term capital appreciation and current income.
05 Quantum Multi Asset Fund of Funds
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Fund Manager Mr. Pankaj Pathak Work experience 11.6 years. He has been managing this fund since March 01, 2017.
Category of Scheme Liquid Fund.
Features Invested in government securities treasury bills and AAA/A1 rated PSUs 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.
Useful for Short term investment and liquidity.
06 Quantum Liquid Fund
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Fund Manager Mr. Chirag Mehta Work experience 19 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.
Category of Scheme Fund of Funds Domestic.
Features Helps to diversify your Investments in gold. Enables investments 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.
Useful for For diversification and long-term capital appreciation.
07 Quantum Gold Savings Fund
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And Investors have reposed their faith on us YoY
Active Investors
60,000
55,598
55,123
53,070 51,022
50,000
46,246
44,156
38,606
40,000
38,065
32,557
29,332
30,000
19,405
20,000
11,566
10,000
6,162
3,664
1,326
1,039
528
- Mar-06 Mar-07 Mar-08 Mar-09 Mar-10 Mar-11
Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18
Mar-19 Mar-20 Mar-21 Apr-21 Data as on 30th
April 2021
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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. 28th May 2021 Mutual fund
investments are subject to market risks, read all
scheme related documents carefully.
35
For additional information, please
contact Sandeep Bhosle AVP- Customer
Interaction Email SandeepB_at_QuantumAMC.com
Mobile [phone] Office
91-22-6144-7804 Fax [phone] Website
www.QuantumAMC.com Quantum Asset Management
Company Private Limited Hoechst House, 6th Floor,
Nariman Point Mumbai-400021, India
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