Financial planning with Mutual Funds
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What are your financial goals?
Dream Holiday A Car House
Child’s Education Child’s Marriage Retirement 
Defining your goal is the first step towards Financial 
Planning. 
Put a number to it, priorities & give a 
timeframe 
DREAM CHILD’S CHILD’S 
HOLIDAY A CAR HOUSE EDUCATION MARRIAGE RETIREMENT 
₹2L ₹6L ₹60L ₹20L ₹30L ₹2.5Cr.
12 Months
3 Years
5 Years
15 Years
20 Years
25 Years
Short Term Plan Medium Term Plan Long Term Plan 
Above number is illustrative purpose only 
But consider inflation in your plans
Consumer Basket 1990* 2000 2010 2015 2019 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 1,064 2,220 3,550 4,628 5,600 6.1%
Rate)*
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%
• 2019 as on March 2019
Inflation affects your savings and returns. Make sure your goals are aligned to inflation.
Past Performance may or may not sustained in future
And create an emergency fund
Unplanned 
Expenses
Natural Job Loss
Calamities
Hospital Sudden Loss of 
Expenses Income
Keep 6-24 months of expenses in Liquid Fund, Bank Fixed Deposit so that It can be withdrawn immediately.
Now let’s understand & plan
YOUR MONEY CYCLE Short Term Needs Medium Term Needs Long Term Needs
1-12 Months 12-60 Months More than 60 Months
OBJECTIVE
• Safety of Principal critical • Better Returns, but • Returns have to beat 
• Minimal volatility as one capital to be safe inflation
may need the money • Little volatility to be • Volatility can be blunted 
anytime expected with time
Options to Consider
• Bank Fixed Deposit • Bank Fixed Deposits • Direct Equities
• Bank Recurring Deposit • Debt Funds • Equity Diversifies 
• Liquid / Money Market • Corporate Fixed Mutual Funds
Funds Deposits • Real Estate
• Short Term Debt Funds • EFP & PPF
Saving Before Spending, is the right way of financial planning. 
Asset classes
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 Goals.
Past Performance may or may not sustained in future.
Unlike Fixed Deposit with Banks there is no capital protection guarantee or assurance of any return in Quantum Multi Asset Fund of Fund. 
Investments in Quantum Multi Asset Fund of Funds as compared to Fixed Deposit carry “moderately” high risk and is subject to market risk
IMPORTANT TO REMEMBER 
Ask NOT How Much BUT 
How Sustainable are your 
Investments?
Suggested fund allocation 
24-80-20 Approach 
Emergency Funds equivalent to 
24 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.
 
Asset classes grow and contract in cycles
100%
80%
Imagine someone holding an all equity portfolio in 2008, 
60% or holding none in the equity rally that followed? 
40%
20%
0%
-20%
-40%
-60%
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020*
Equity Gold Bonds
Source: Bloomberg as on Oct 2020
Past Performance may or may not sustained in future
Equity works best in long term
Longer the tenure, better the return As the Markets are cyclic
BULL RUN
Euphoria
Maximum 
Risk Suspicion
Optimism
Panic Maximum 
Fear Opportunity
Depression
BEAR PHASE
Why own Gold in your Portfolio?
STORE OF VALUE
Potential to Beat Inflation over the 
long-term.
RETURNS
A source of long-term return.
DIVERSIFICATION
Low correlation to major asset classes.
PORTFOLIO IMPACT
A history of improved portfolio risk-adjusted returns.
Gold –Shines when needed
100%
80%
60%
40%
20%
0%
-20%
-40%
-60%
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020*
Equity Gold
Source: Bloomberg as on Oct 2020
Past Performance may or may not sustained in future
Why own Debt in your Portfolio?
LIQUID
Liquid Debt Funds are good to park your money 
for 6-24 months
SAFETY
Low to moderate in risk category
DIVERSIFICATION
Low correlation to major asset classes
PORTFOLIO IMPACT
Good way to balance portfolio
Importance of right asset allocation
Age Time to Retire Retirement 
Corpus Required
35 years 20 years Rs. 2.20 Cr.
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.
An investor education initiative by 
How Mutual Funds Work?
MUTUAL 
FUND
In a mutual fund, our money is managed by a professional called fund manager.
Why invest with a Mutual Fund?
Professional Management Transparency
Diversification Flexibility
Return Potential Choice of Schemes
Low Cost Well Regulated
Liquidity Tax benefits
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 
2,000 / 2,344 = 2,000 / 1125 = 2,000 / 158  = 2,000 / 241 = 2,000 / 2,661 = at most.
0.85 shares 1.78 shares 12.66 shares 8.30 shares 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.  
How to choose the 
right fund? 
Short term returns create “illusions”, don’t fall for them 
Consumer Basket Fund 1 Fund 2Zero Cash With Cash
Gain in Year 1 +90% +46%
Has more capital to 
invest in a declining 
Loss in Year 2 -75% -47% market.
An initial investment of Rs.10,000 would be worth Rs.4,750 Rs.7,738
How much would Fund One have to increase to Assuming that Fund 
catch up with Fund Two? +63% Two has no returns (Not Likely!)
This is for illustration purpose only. Performance figures are not actual.
Look at the long-term performance of the fund before investing.
Understand your risk profile, have realistic goals
Instrument Age  Group
25-35 35-45 45+
Equity MF 70% 50% 30%
Debt MF - 10% 20%
Gold 20% 20% 30%
Liquid/Cash 10% 10% 20%
The above information is for illustrative purpose only and is not to be considered as investment advice / 
recommendation.
How to invest in MF, SIP or Lumpsum? 
SIP
Lumpsum
Month NAV SIP Amount Units Total Units 
1 100 5000 50 50
2 102 5000 49.01961 99.01961
Amount  NAV Units 
3 101.5 5000 49.26108 148.2807 ₹60,000 100 600
4 100 5000 50 198.2807
5 99 5000 50.50505 248.7857
6 98.5 5000 50.76142 299.5472
7 101 5000 49.50495 349.0521
SIP Lumpsum 
8 102 5000 49.01961 398.0717 Total Units 601 Total Units 600
9 99 5000 50.50505 448.5768 NAV 98 NAV 98
10 99.5 5000 50.25126 498.828 Year End Value Year End Value 
11 97.5 5000 51.28205 550.1101 ₹58911 ₹58,800
12 98 5000 51.02041 601.1305
SIP gives you the advantage of cost averaging.
The above table is for illustrative purpose only. Investment through SIP does not guarantee any return or protection 
of capital. 
What are ETFs? 
ETFs are basket of stocks that mirror an Index. For an example Nifty 
ETF mirrors Nifty in price movement. 
Advantages 
of ETF
Simple way Mirrors an 
of investing Index 
Low Flexibility and Liquidity
Expenses reduced risk 
Start Your Journey with us
Our journey so far 
• Quantum Gold • Quantum Dynamic 
• Quantum Gold Fund Savings Fund Bond Fund 
• Quantum Nifty ETF • India’s first fully • Transactions through 
• Set up Quantum • Quantum Tax Saving paperless Online Email, WhatsApp & • Launch of 
AMC Fund Investing Platform Fax Regular Plans 
2005 2006 2008 2009 2011 2012 2015 2016 2017 2019
• Quantum Long • Quantum Equity • Quantum Multi • Quantum Long Term • Quantum India 
Term Equity Value Fund of Funds Asset Fund of Equity Value Fund ESG Equity Fund
Fund • “Path to Profit” Funds completes 10-year 
• Quantum Liquid Launched track record
Fund
What we offer
Direct to Investor  Simple range of funds Disciplined Research Staying the course, no 
Focused on low cost No confusion for and Investment Process short cuts 
approach. investors Team-driven, no “star” Asset managers, not 
fund managers. asset gatherers.
Mr. Sorbh Gupta
Fund Work experience: 15 years. He has been managing this fund Since December1, 2020.
Manager Mr. Nilesh Shetty
Work experience: 16 years. He has been managing this fund Since March 28, 2011.
01
Category of Value Fund
Scheme
Quantum 
• Uses bottom-up stock selection process used to minimize risk.
Long Term • Follows disciplined research and investment process.Features • Low portfolio turnover.
•
Equity Value Holds cash when stock are overvalued - no derivatives and no hedging.• A well-balanced portfolio: typically 25 to 40 stocks, across sector.
Fund 
Retirement Planning.
Child’s Education.
Useful for Child’s Marriage. 
Wealth Creation.
Fund Mr. Chirag Mehta
Manager Work experience: 18 years. He has been managing this fund since November 1, 2013.
Category of 
02 Fund of Funds Domestic.Scheme
• Exposure to 6-7 Diversified Equity Funds from the universe of approximately 500 funds.
Quantum • The risk of wrong selection of funds is reduced as schemes is chosen with the research & expertise of Quantum.
• Single fund manager risk is eliminated as your money is exposed to diverse fund 
Equity Fund Features management styles.
• Minimum amount of Investment with as low as 500 rupees.
of Funds • 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.
    performing ones in a more tax efficient way.
Useful for Long term capital appreciation.
Mr. Chirag Mehta
Fund Work experience: 18 years.
Manager Ms. Sneha Joshi
Work experience: 7 years. Both have been managing the fund since July 12, 2019.
Category of 
03 Thematic Scheme.Scheme
Quantum • Offers an avenue to invest in businesses adhering to sustainable practices that will drive long
    term performance.
India ESG • Invests based on a comprehensive in-house proprietary research on Environment, Social andFeatures     Governance aspects.
Equity Fund • Offers a well-diversified exposure to good quality and sustainable companies with relatively low volatility and downside risk.
Useful for Long term capital appreciation.
Fund Mr. Sorbh Gupta
Manager Work experience: 15 years. He has been managing this fund Since October 1, 2016.
Category of 
04 Equity Linked Saving Scheme.Scheme
Quantum • Tax Benefit under Section 80C.
• Minimizes risk by pursuing bottom-up stock selection.
Tax Saving Features • Low portfolio turnover.
• Holds cash when stocks are overvalued - no derivatives and no hedging.
Fund • Follows a value investment strategy.
Useful for Long term capital appreciation.
Mr. Chirag Mehta
Work experience: 18 years.
Fund 
Manager Mr. Nilesh Shetty
Work experience: 16 years. Both have been managing this fund since July 11, 
2012.
Category of 
05 Fund of Funds Domestic.Scheme
• Diversifies across asset classes – Equity, Debt & Gold
Quantum • No need to time markets. 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-
Multi Asset Features low sell-high”.
• Better and a more tax efficient option for investors who park their money in long term #FDs (3 
Fund of years and above).
• Aims at reducing volatility of returns.
Funds
Long term capital appreciation and current income.
Useful for More tax efficient investment than long term Fixed Deposit (more than 3 years).
Fund Mr. Pankaj Pathak 
Manager Work experience: 10 years. He has been managing this fund since March 01, 2017.
06 Category of Liquid Fund.Scheme
Quantum • Invested in government securities, treasury bills and AAA/A1 rated PSU Bonds
• No private corporate credit risks. 
Liquid Fund Features • 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.
• Insta Redemption Facililty available
Useful for Short term investment and liquidity. 
Mr. Chirag Mehta
Fund Work experience: 18 years. He has been managing this fund since May 19, 2011.
Manager Ms. Ghazal Jain
Work experience: 4 years. She has been managing this fund since June 2, 2020. 
07 Category of Fund of Funds Domestic.Scheme
Quantum Gold • Helps to diversify your Investments in gold. 
• Enables to invest in gold through SIP or STP of as little as Rs 500/month. 
Savings Fund • Does not require a demat account as is the case with Gold ETFs. 
Features • 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.
And Investors have reposed their faith on us YoY
Active Investors
60000
 53,148 
 51,022 
50000
 46,246 
 44,156 
40000  38,606  38,065 
 32,557 
30000  29,332 
20000  19,405 
 11,566 
10000
 6,162 
 3,664 
 528  1,039  1,326 
0
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 Dec-19
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. 
1st January 2021
Mutual fund investments are subject to market risks, read all scheme related documents carefully.
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