Goal Based Investing

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What is the right strategy to adopt while
starting a new investment
Simplicity. Transparency. Integrity.
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Savings Is The Holy Grail
Income Expenses Savings Or Income
Savings Expenses
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Small Regular Savings Fortune In The Making
What you save every month For How much did you saved How much it could earn every year You will have (Compounded Annually)
Rs.1,000 20 years Rs.2,40,000 10 Rs.7,23,987
Rs.1,000 20 years Rs.2,40,000 12 Rs.9,19,857
Rs.1,000 20 years Rs.2,40,000 15 Rs.13,27,073
The numbers used in the table above are for
illustrative purposes only
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Financial Commitments Brought You Here
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Step 1 Define Each Every Goal of Yours
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Step 2 Working on Your Financial Goals
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Step 3 Identifying the asset classes
Consumer Basket 1990 2000 2010 2015 2019E CAGR
TOTAL SPENDING PER ANNUM 23,759 68,923 151,279 280,064 383,770 10.4

Price of gold, INR/10 grams 3,409 4,528 18,268 26,335 34,202 8.60
Units ( Grams) of gold to consume my basket 70 152 83 106 112

BSE SENSEX 730 4,659 15,585 26,557 35,982 14.9
Units of BSE-30 Index to consume my basket 33 15 10 11 11

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 5,600 6.1
Units of FD Basket to consume my basket 22 31 43 61 69

• Quarterly compounding and Tax rate on Fixed
  Deposit assumed to be 30
• 2019E as on March 2019

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Step 3 Contd..
Asset Class Horizon Key Outcomes Financial goal catered
Equity Long term More than three years Inflation hedge wealth creation Retirement, childs education, childs marriage wealth creation
Debt Short term Less than one year Liquidity risk reduction Sacred money, liquidity just before goal is accomplished
Gold Long term Capital preservation diversification Childs marriage, childs education retirement
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Steps 4 Importance Of Right Asset Allocation
Mr. A Mr. B
Age 35 years 35 years
Time to Retire 20 Years 20 Years
Retirement Corpus Required Rs. 2.20 Cr Rs. 2.20 Cr
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
15, Debt 8 and Gold 6. The above corpus
are pre-tax.
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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
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
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
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 12
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 17
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 SP
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?
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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
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including lost profits arising in any way from
the data/information/opinions contained in this
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modifications and alterations to the performance
and related data from time to time as may be
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