Goal Based Investing
                     “What is the right strategy to adopt while 
starting a new investment”
Simplicity. Transparency. Integrity. 
 Savings Is ‘The Holy Grail’
Income – Expenses = Savings
Or
Income – Savings = Expenses
Small & Regular Savings = Fortune In 
The Making
What you How much How much You will have 
save every For did you it could earn every (Compounded 
month saved year Annually)
10% Rs.7,23,987
Rs.1,000 20 years Rs.2,40,000 12% Rs.9,19,857
15% Rs.13,27,073
The numbers used in the table above are for illustrative purposes only
Financial Commitments Brought You Here
Goals
www.QuantumMF.com
Step 1: Define Each & Every Goal of Yours
2.5 Cr
20 Lacs
30% of 
60 Lacs
5 Lacs
2 
Years
5 Years
14 Years
25 Years
Step 2: Working on Your Financial Goals
• 6 or 12 months of Monthly Expenses in your 
Sacred Savings Account or  Liquid Fund
Money
• Align your goals according to priorities
Prioritize 
Goals
• Work on asset allocation for each goal keeping 
Asset in mind the time to achieve the goal
Allocatio
n
Step 3: Identifying the asset 
Consumer Basket cl1a99s0*se20s0:0  2010 2015 2019E CAGR
TOTAL SPENDING PER ANNUM 23,759 68,923 151,279280,064 383,770 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%
• 2019E as on March 2019
Step 3: Contd……..
Asset Horizon Key Financial goal catered
Class Outcomes 
Inflation Retirement, child’s 
Long term : hedge & education, child’s marriage 
Equity More than three  
years wealth & wealth creation
creation
Short term : 
Debt Less than one Liquidity  & Sacred money, liquidity just risk reduction before goal is accomplished 
year
Capital Child’s marriage, child’s 
Gold Long term preservation & education & retirement
diversification 
Steps 4: Importance Of Right Asset 
Allocation
Mr. A Mr. B
Age 35 years
Time to Retire 20 Years
Retirement Corpus Required Rs. 2.20 Cr
Investment Mr. A Corpus Mr. B Corpus 
Allocation (Rs) (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.
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 Sensex Gold Sensex Gold Gold Sensex Sensex Sensex Bonds Bonds Sensex Gold Gold Gold
49% 49% 26% 83% 23% 32% 28% 11% 32% 9% 13% 30% 8% 16% 28%
Gold Gold Bonds Gold Sensex Bonds Gold Bonds Bonds Sensex Gold Gold Sensex Sensex Bonds
20% 16% 9% 24% 19% 7% 12% 4% 14% -4% 11% 5% 7% 14% 12%
Bonds  Bonds Sensex Bonds Bonds Sensex Bonds Gold Gold Gold Sensex Bonds Bonds Bonds Sensex 
4% 7% -52% 4% 5% -24% 9% -5% -8% -7% 3% 5% 6% 11% 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: S&P BSE Sensex Total Return Index; MCX Gold Commodity Index and
Imagine someone holding an all CRISIL Composite Bond Fund Index
equity portfolio in 2008, or holding Source: Bloomberg
none in the equity rally that 
followed? 
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.
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(nandri
)
Thank You