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2022 Navigate Uncertainty with the Right Asset Allocation

Through this deck, find how to navigate uncertainty with prudent asset allocation by dividing investments across equity, debt and gold asset classes to help achieve your goals and minimize downside risks<br>www.quantumamc.com<br>#assetallocation #equity #debt #gold #assetclass

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2022 Navigate Uncertainty with the Right Asset Allocation

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  1. 2022 - Navigate Uncertainty with the Right Asset Allocation Speaker: Chirag Mehta, Senior Fund Manager, Alternative Investments Chirag Mehta, Senior Fund Manager, Alternative Investments January 12 January 12, , 2022 2022 1

  2. 2 100’s of factors to shape markets in 2022.. 100’s of factors to shape markets in 2022.. Based on Bloomberg’s Markets Live team survey of more than 800 market professionals about their greatest fears for 2022.

  3. 3 Uncertainty Uncertainty – – the only certainty in markets the only certainty in markets • 1987: Black Monday • 1995: the Mexico tequila crisis and the collapse of Emerging Markets, • 1997; the Asian crisis and the collapse of Emerging Markets, • 1998: the bankruptcy of Russia and hedge fund Long Term Capital Management, • 2000: the collapse of the tech bubble, • 2001: 9/11 • 2003: SARS, the Iraq war • 2008: the bankruptcy of Lehman, the Great Financial Swindle • 2013: Bernanke's twist • 2020: COVID-19

  4. 4 Asset classes go in and out of Asset classes go in and out of favour favour.. .. There have been years when equity markets had a brilliant 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 23% 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% Sensex 17% Bonds 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% Bonds 12% Gold -6% 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 December 2021 Past performance may or may not be sustained in future. Based on S&P BSE Sensex; Domestic Gold prices and CRISIL Composite Bond Fund Index Imagine someone holding an all-equity portfolio in 2008, or holding none in the equity rally that followed? Source: Bloomberg

  5. Asset class outlook 2022 Scenario 3 Scenario 1 Scenario 2 Growth collapse on new COVID shock and monetary policy remains accommodative Normalisation in global and Indian monetary policy Hawkish Shift in monetary policy as inflation surges Equities Equities Equities Debt Debt Debt Gold Gold Gold 5

  6. Equities or Fixed Income or Gold? Equities or Fixed Income or Gold? How do you pick the winning asset class? How do you pick the winning asset class?

  7. 7 Investor, focus on what you can control.. Investor, focus on what you can control.. WHAT WE CONTROL Asset ASSET ALLOCATION allocation MACRO- ECONOMIC DEVELOPMENTS BEST PERFORMING ASSET CLASS MARKET CYCLES INVESTMENT RETURNS WHAT WE DON’T CONTROL

  8. Invest across Asset Classes : Equity, Debt and Gold GOLD Lower downside risk Diversifies against macro events and a store of value DEBT Regular income and stability Lower volatility EQUITY Long term growth Boost returns

  9. 9 Asset Allocation is the key Asset Allocation is the key It is generally seen that more than 90% of the variations in a portfolio’s return can be attributed to the asset allocation decision. Investment returns of a portfolio 10% 90% Asset allocation decisions Market timing, stock selection etc.

  10. 10 Asset Allocation can help you overcome Asset Allocation can help you overcome behavioural behavioural biases biases

  11. 11 2020: A Reminder On Virtues Of Asset Allocation 2020: A Reminder On Virtues Of Asset Allocation Note: Past performance may or may not be sustained in the future

  12. 12 Combine Asset Classes for better Risk Adjusted Returns Combine Asset Classes for better Risk Adjusted Returns One asset’s down cycle is balanced by another asset’s up cycle Risk-Return Equity +Debt +Gold * Equity + Debt ** Equity Debt Gold CAGR 11.15% 11.28% 13.09% 7.13% 11.11% Annualized SD 9.29% 13.36% 21.88% 3.25% 17.17% Maximum Drawdown -21% -36% -56% -6% -25% Sharpe Ratio 0.505 0.361 0.303 0.210 0.271 Time frame is November 2004 to December 2021. The period is taken from 2004 since the asset allocation weights are calculated based on normalizing the historical monthly equity and debt indicators. Given the normalization time frame used in the strategy, data availability for certain parameters beyond the time frame analyzed was a constraint. Compiled by Quantum AMC *Equity-Debt-Gold in ratio of 40-40-20. **Equity-Debt allocated in 60-40 range Based on Sensex Index, Crisil Composite Bond Fund Index, and Domestic Gold Prices Note: Past performance may or may not be sustained in the future The most diversified strategy yields similar returns with the lower volatility, compared to a pure equity strategy

  13. 13 FD rates on downward trend.. FD rates on downward trend.. 14 Tenure FD interest rates SBI 1 year FD rate 12 1 year 4.90% - 6.25% 10 2 year 4.25% - 6.50% 8 3 year 4.50% - 6.50% 6 4 5 year 4.70% - 6.70% Data as of January 07, 2022 2 Source: FD Interest Rates | Compare Fixed Deposit Interest Rate Today (myloancare.in) Bloomberg, SBI, Data as of January 2022

  14. Consider inflation in your plans Consumer Basket 1990* 2000 2010 2015 2020 CAGR 10.1% TOTAL SPENDING PER ANNUM 23,759 68,923 151,279 280,064 427,619 9.4% Price of gold, INR/10 grams 3,409 4,528 18,268 26,335 50,104 Units ( Grams) of gold to consume my basket 70 152 83 106 85 14.9% BSE SENSEX 730 4,659 15,585 26,557 47,751 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)* 6.0% 1,064 2,220 3,550 4,628 5,814 Units of FD Basket to consume my basket 22 31 43 61 73 Equities and gold can give your savings the much-needed boost.. 14 Past performance may or may not sustained in future. Quarterly compounding and Tax rate on Fixed Deposit assumed to be 30%

  15. 15 Asset Allocation Ready, one stop solution Do it Yourself (DIY) Quantum Multi Asset Fund of Funds 12-20-80 Strategy

  16. 16 Quantum Multi Asset Fund of Funds Quantum Multi Asset Fund of Funds Follows regular rebalancing approach : “buy-low sell-high” Better and a more tax efficient option than long term FDs (3 years and above) Aims at reducing volatility of returns Diversifies across asset classes Reduces dependency on a single asset class to generate returns No need to time markets. Invest in peace • • • • • • The comparison with Fixed Deposits has been given for the purpose of the general information only and not a recommendation to invest. Investments in Quantum Multi Asset Fund of Funds / 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 Quantum Multi Asset Fund of Funds / mutual funds investment. Investment in Quantum Multi Asset Fund of Funds as compared to Fixed Deposits 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. Source – Bloomberg, Quantum AMC The performance shown in the graph should be reviewed in conjunction with detailed performance of the scheme provided on slide number 33. Data as of December 2021; Source: Quantum MF Note: Past performance may or may not be sustained in future

  17. Diversify your investments with our easy 12 Allocation Strategy 12- -20 20- -80* 80* Asset 12 Months Expense 20% Gold 80% Equity Play Money 17 Please note the above is a suggested fund allocation and not to be considered as an investment advice or recommendation

  18. Pre Pre- -investment Block investment Block - - Emergency Corpus (Liquid) Emergency Corpus (Liquid) 12 Months Expense 20% Gold 80% Equity Play Money 18 Please note the above is a suggested fund allocation and not to be considered as an investment advice or recommendation

  19. Ensures Safety & Liquidity over Returns Invest mostly in highest rated securities issued by PSU/ PSB & government & money market securities Insta Redemption Facility upto Rs.50,000 QUANTUM LIQUID FUND Low credit/ default risk Please note the above is a suggested fund allocation and not to be considered as an investment advice or recommendation

  20. Earning Block (Equity) 80% Earning Block (Equity) 80% 12 Months Expense 20% Gold 80% Equity Play Money 20 Please note the above is a suggested fund allocation and not to be considered as an investment advice or recommendation

  21. Follows the tenets of Value Investing Minimize downturns during periods of uncertainty Over 15 years of track record 15% 15% QUANTUM LONG TERM EQUITY VALUE FUND Aims to deliver long- term risk adjusted returns Please note the above is a suggested fund allocation and not to be considered as an investment advice or recommendation

  22. 80%: Growth Block 80%: Growth Block 15% 15% Quantum Long Term Equity Value Fund Quantum Long Term Equity Value Fund As % of S&P BSE-30 Index S&P BSE-30 Index** QLTEVF Analysts views expressed FY2023 519 74% 697 Analysts views expressed FY2024 364 71% 515 Number of Stocks 28 93% 30 Median market cap. (USD mn) 11,448 32% 35,977 Wtd. dividend yield 1.84% 158% 1.16% Historical PER of portfolio (T12M) 21.0 65% 32.4 Wt of stocks with PER < 20, hist 36% 430% 8% % Wt of stocks with PER > 20, hist 64% 69% 92% % Wt of stocks with PER > 30, hist 33% 58% 57% ESTIMATES FOR FY2023 Analysts polled 519 74% 697 Wtd. PER: March 2023E 13.9 65% 21.3 Wtd. EPS Growth: March 2023E 25.9% 108% 24.1% PEG Ratio (excludes cash) 2023E 0.5 61% 0.9 QLTEVF Portfolio Valuations: At A 39% Discount To The Index On T12M And 34% Less Expensive On FY23e ESTIMATES FOR FY2024 Analysts polled 364 71% 515 Wtd. PER: March 2024E 12.5 68% 18.3 Please note the above is suggested fund allocation only and not an investment advice / recommendation Wtd. EPS Growth: March 2024E 11.5% 66% 17.4% PEG Ratio (excludes cash) 2024E 1.1 104% 1.0 Source: Quantum Research, Data as of December 31, 2021|* QLTEVF cash weight excluded.** S&P BSE-30 Index weight is based on free float. The figures mentioned in WTD PER, WTD EPS and PEG ratio are calculated on the basis of Bloomberg consensus estimates for companies owned by the Fund as well as the companies in the S&P BSE 30. The Fundamental Characteristics, both for portfolio as well as the benchmark, have been computed using the Aggregation Methodology 22

  23. Invests in companies with a triple bottom line - Planet. People. Profits Future of Equity Investing Sustainability = Profitability 15% 15% QUANTUM INDIA ESG EQUITY FUND Resilient Portfolio Please note the above is a suggested fund allocation and not to be considered as an investment advice or recommendation

  24. 80%: Growth Block 80%: Growth Block 15% 15% Quantum India ESG Equity Fund Quantum India ESG Equity Fund Investing with Values Clean and Environmentally friendly businesses Businesses contributing towards the society Businesses having a fair and transparent practices Businesses that are responsible Quantum India ESG Equity Fund 24.21% 22.13% 13.33% 10.33% 4.71% 4.62% 4.18% 3.50% 3.49% 2.62% 2.09% 1.81% 1.72% 1.26% - - - - - - NIFTY 100 ESG Index 13.10% 23.40% 28.45% 8.09% 3.21% 0.00% 0.44% 2.64% 0.51% 3.44% 3.19% 0.37% 2.98% 0.21% 5.00% 2.39% 2.20% 0.38% - - BSE 200 Index 11.21% 15.48% 30.69% 4.98% 2.46% 0.00% 1.22% 2.11% 0.86% 10.66% 1.82% 0.80% 2.98% 1.64% 4.54% 3.85% 3.02% 1.10% 0.34% 0.23% Sector CONSUMER GOODS IT FINANCIAL SERVICES AUTOMOBILE CEMENT & CEMENT PRODUCTS CASH CHEMICALS TELECOM HEALTHCARE SERVICES OIL & GAS CONSUMER SERVICES FERTILISERS & PESTICIDES POWER INDUSTRIAL MANUFACTURING PHARMA METALS CONSTRUCTION SERVICES MEDIA, ENTERTAINMENT & PUBLICATION TEXTILES Please note the above is suggested fund allocation only and not an investment advice / recommendation TOTAL No. of Securities 100.00% 45 100.00% 87 100.00% 200 Source: Quantum Asset Management Company Pvt Ltd As of 31st December 2021 24

  25. Basket of 5-10 well researched third- party equity schemes Reduces the hassles of making and tracking multiple investments Tax efficiency with indexation benefit 70% 70% Selects schemes with a minimum 5 years track record QUANTUM EQUITY FUND OF FUNDS Please note the above is a suggested fund allocation and not to be considered as an investment advice or recommendation

  26. 80%: Growth Block 80%: Growth Block 70% 70% Quantum Equity Fund of Funds Quantum Equity Fund of Funds 500+ Equity schemes Research based Fund selection • Funds with consistent performance across market cycles • Balance between Risk & Return • Avoid Portfolio concentration • Invest in diversified portfolio of Large and Mid Cap • There is just one NAV to track and just one folio – no hassles of making and tracking multiple investments • 5 – 10 Funds in your portfolio Please note the above is suggested fund allocation only and not an investment advice / recommendation 26

  27. Portfolio Diversifying Block (Gold) Portfolio Diversifying Block (Gold) 12 Months Expense 20% Gold 80% Equity Play Money 27 Please note the above is a suggested fund allocation and not to be considered as an investment advice or recommendation

  28. Backed by 24 karat physical gold Invest in small denominations (-0.01 grams of gold) Independent purity test for all gold bars held 20% 20% QUANTUM GOLD FUND & GOLD SAVINGS FUND Safe, no making charges and easily liquidated Please note the above is a suggested fund allocation and not to be considered as an investment advice or recommendation

  29. 20%: Portfolio diversifying block 20%: Portfolio diversifying block Quantum Quantum Gold Gold ETF ETF Price efficiency : No making charges or high premiums • Transfers benefit of wholesale purchase prices to investors • Benefit of GST credit at Scheme level at time of selling gold Liquidity : Enables you to buy and sell gold on the NSE and BSE with ease. Open 24*7 Accessibility : Offers an option to invest in smaller denominations of as little as Rs 500/month Regulation : Regulated by SEBI Please note the above is suggested fund allocation only and not an investment advice / recommendation SIP : Invest through SIP route in Gold ETFs via a Gold Savings Fund: No DEMAT account required 29

  30. Performance of 12 Performance of 12- -80 80- -20 DIY strategy over the last decade 20 DIY strategy over the last decade Returns 1 yr 3 yr 5 yr 7 yr 10 yr 20-80 Strategy 26.3% 14.9% 13.5% 11.2% 13.9% QLTEVF 25.5% 11.2% 10.8% 9.9% 13.8% QEFOF 30.7% 15.7% 14.4% 11.8% 15.6% QGSF -5.2% 12.5% 9.4% 7.1% 4.5% QLF 3.2% 4.1% 4.9% 5.5% 6.4% QESG 31.5% NA NA NA NA Annualised SD Drawdwon 14.48% -24.2% 16.52% -34.5% 16.95% -27.4% 13.44% -24.0% 0.60% 0.0% 20.31% -25.4% *Calculated return percentage reflects likely return at the suggested allocation and assumes returns since inception of the respective fund. **Return on Investment in Quantum Liquid Fund (Emergency funds) is not included in the calculation The above represent hypothetical return of a 20-80 Gold- Equity portfolio started on December 31st2011. The Equity portfolio is split between QEFOF, QLEVF and QESG in the proportion of 70:15:15. Prior to the launch of ESG, the Equity portfolio was split in QEFOF and QLTEVF in a proportion of 80:20. Return on Investment in Quantum Liquid Fund (Emergency funds) is not included in the calculation. Past performance may or may not be sustained in the future. Since Inception Date: QLTEVF (March 13, 2006) QEFOF (July 20, 2009) QESG (July 12, 2019) QGSF (May 19, 2011) The performance shown in the graph should be reviewed in conjunction with detailed performance of the scheme provided on slide number 35 to 45 Source: Quantum MF Data as on 31stDecember 2021 30

  31. Diversify with 12 Diversify with 12- -80 80- -20 in just a few clicks 20 in just a few clicks 31 This is for illustrative purpose only. Please note the above is a suggested fund allocation and not to be considered as an investment advice or recommendation

  32. Diversify with 12 Diversify with 12- -80 80- -20 in just a few clicks 20 in just a few clicks 32 This is for illustrative purpose only.

  33. Performance of Quantum Multi Asset Fund of Funds Performance of Quantum Multi Asset Fund of Funds Direct Plan Direct Plan – – Growth Option Growth Option The Scheme is co-managed by Mr. Chirag Mehta and Mr. Nilesh Shetty since July 11, 2012. Current Value of 10,000 Invested at the beginning of a given period Period Tier 1 Benchmark Returns (%)# Tier 1 Benchmark (Rs)# Scheme Returns (%) 0 S&P BSE Sensex TRI Returns (%) S&P BSE Sensex TRI (Rs.) Scheme (Rs) 1 year 7.76% 10.17% 23.23% 10,776 11,017 12,323 3 years 9.51% 13.34% 18.62% 13,136 14,566 16,698 5 years 9.06% 12.38% 18.31% 15,438 17,936 23,198 7 years 8.45% 10.12% 12.71% 17,650 19,648 23,119 Since Inception (11th July 2012) 9.47% 10.72% 15.03% 23,584 26,270 37,720 Past performance may or may not be sustained in the future. Load is not taken into consideration in scheme returns calculation. Data as of 31st December 2021 Different Plans shall have a different expense structure. Returns are net of total expenses and are calculated on the basis of Compounded Annualized Growth Rate (CAGR). #CRISIL Composite Bond Fund Index (20%) + S&P BSE Total Return Index (40%) + CRISIL Liquid Index (25%) + Domestic Price of Gold (15%). It is a customized index and it is rebalanced daily. ##S&P BSE Sensex TRI. For performance of other Schemes Managed by Mr. Chirag Mehta please see slide number 48, 49and 50 and for performance of other Schemes Managed by Mr. Nilesh Shetty please see slide number 46.

  34. Performance of Quantum Multi Asset Fund of Funds, Regular Performance of Quantum Multi Asset Fund of Funds, Regular Plan Plan – – Growth Option Growth Option The Scheme is co-managed by Mr. Chirag Mehta and Mr. Nilesh Shetty since July 11, 2012. Current Value of 10,000 Invested at the beginning of a given period Period Tier 1 Benchmark Returns (%)# S&P BSE Sensex TRI Returns (%) Tier 1 Benchmark (Rs)# S&P BSE Sensex TRI (Rs.) Scheme Returns (%) 0 Scheme (Rs) 1 year 7.36% 10.17% 23.23% 10,736 11,017 12,323 3 years 9.19% 13.34% 18.62% 13,021 14,566 16,698 Since Inception (1st April 2017) 8.20% 11.81% 16.65% 14,544 17,004 20,806 Past performance may or may not be sustained in the future. Load is not taken into consideration in scheme returns calculation. Data as of 31st December 2021 Different Plans shall have a different expense structure. Returns are net of total expenses and are calculated on the basis of Compounded Annualized Growth Rate (CAGR). #CRISIL Composite Bond Fund Index (20%) + S&P BSE Total Return Index (40%) + CRISIL Liquid Index (25%) + Domestic Price of Gold (15%). It is a customized index and it is rebalanced daily. ##S&P BSE Sensex TRI. For performance of other Schemes Managed by Mr. Chirag Mehta please see slide number 48, 49and 50for performance of other Schemes Managed by Mr. Nilesh Shetty please see slide number 46.

  35. Performance of Quantum Long Term Equity Value Fund Performance of Quantum Long Term Equity Value Fund – – Direct Plan Direct Plan – – Growth Option Growth Option The Scheme is co-managed by Mr. Sorbh Gupta and Mr. Nilesh Shetty. Mr. Sorbh Gupta is the Fund Manager effective from December 1, 2020. Mr. Nilesh Shetty is the Fund Manager effective from March 28, 2011. Current Value of 10,000 Invested at the beginning of a given period Tier 1 - Benchmark Tier 2 - Benchmark Additional Benchmark Tier 1 - Benchmark Tier 2 - Benchmark Additional Benchmark Period Scheme Returns (%) S&P BSE 500 TRI* (%) 31.63% 19.30% 18.05% 13.47% 16.75% S&P BSE 200 TRI** (%) 29.11% 18.87% 17.97% 13.35% 16.64% S&P BSE Sensex TRI (%) 23.23% 18.62% 18.31% 12.71% 15.74% Scheme (Rs) S&P BSE 500 TRI* (Rs) 13,163 16,987 22,951 24,241 47,146 S&P BSE 200 TRI** (Rs) 12,911 16,805 22,867 24,050 46,708 S&P BSE Sensex TRI (Rs) 12,323 16,698 23,198 23,119 43,196 1 year 3 years 5 years 7 years 10 years Since Inception (13th Mar 2006) 25.53% 12.08% 11.50% 10.44% 14.83% 12,553 14,084 17,246 20,050 39,911 13.71% 12.83% 12.91% 12.77% 76,350 67,501 68,287 66,877 Past performance may or may not be sustained in the future. Load is not taken into consideration in scheme returns calculation. Different Plans shall have a different expense structure. Returns are net of total expenses and are calculated on the basis of Compounded Annualized Growth Rate (CAGR). *with effect from December 01, 2021 Tier 1 benchmark has been updated as S&P BSE 500 TRI. As TRI data is not available since inception of the scheme, benchmark performance is calculated using composite CAGR S&P BSE 500 index PRI Value from March 13, 2006 to July 31, 2006 and TRI Value since August 1, 2006. **TRI data is not available since inception of the scheme, Tier 2 benchmark performance is calculated using composite CAGR S&P BSE 200 index PRI Value from March 13, 2006 to July 31, 2006 and TRI Value since August 1, 2006 For performance of other Schemes Managed by Mr. Nilesh Shetty please see slide 46.

  36. Performance of Quantum Long Term Equity Value Fund Performance of Quantum Long Term Equity Value Fund – – Regular Plan Regular Plan – – Growth Option Growth Option The Scheme is co-managed by Mr. Sorbh Gupta and Mr. Nilesh Shetty. Mr. Sorbh Gupta is the Fund Manager effective from December 1, 2020. Mr. Nilesh Shetty is the Fund Manager effective from March 28, 2011. Current Value of 10,000 Invested at the beginning of a given period Tier 1 – Benchmark Tier 2 - Benchmark Additional Benchmark Tier 1 - Benchmark Tier 2 - Benchmark Additional Benchmark Period Scheme Returns (%) S&P BSE S&P BSE S&P BSE Scheme (Rs) S&P BSE S&P BSE S&P BSE 500 TRI* 200 TRI** Sensex TRI 500 TRI* 200 TRI** Sensex TRI (%) (%) (Rs) (Rs) 13,163 16,987 (Rs) 12,911 16,805 (%) 1 year 3 years 24.90% 11.54% 31.63% 19.30% 29.11% 18.87% 23.23% 18.62% 12,490 13,882 12,323 16,698 9.62% 15.67% 15.75% 16.65% 15,480 19,990 20,047 20,806 Since Inception (01st Apr 2017) Past performance may or may not be sustained in the future. Load is not taken into consideration in scheme returns calculation. Different Plans shall have a different expense structure. Returns are net of total expenses and are calculated on the basis of Compounded Annualized Growth Rate (CAGR). *with effect from December 01, 2021 Tier 1 benchmark has been updated as S&P BSE 500 TRI. As TRI data is not available since inception of the scheme, benchmark performance is calculated using composite CAGR S&P BSE 500 index PRI Value from March 13, 2006 to July 31, 2006 and TRI Value since August 1, 2006. **TRI data is not available since inception of the scheme, Tier 2 benchmark performance is calculated using composite CAGR S&P BSE 200 index PRI Value from March 13, 2006 to July 31, 2006 and TRI Value since August 1, 2006. For performance of other Schemes Managed by Mr. Nilesh Shetty please see slide 46.

  37. Performance of Quantum India ESG Equity Fund Performance of Quantum India ESG Equity Fund - - Direct Plan The Scheme is managed by Mr. Chirag Mehta and Ms. Sneha Joshi. Mr. Chirag Mehta is the Fund Manager effective from July 12, 2019. Ms. Sneha Joshi is the Associate Fund Manager effective from July 12, 2019 Direct Plan Current Value of 10,000 Invested at the beginning of a given period Tier 1 Benchmark Additional Benchmark Tier 1 Benchmark Additional Benchmark Period NIFTY 100 ESG TRI (%) S&P BSE Sensex TRI (%) NIFTY S&P BSE Sensex TRI (Rs) Scheme Returns (%) Scheme (Rs) 100 ESG TRI (Rs) 1 Year 31.48% 32.26% 23.23% 13,148 13,226 12,323 Since Inception (12th July 2019) 25.35% 24.70% 19.20% 17,500 17,275 15,449 Past performance may or may not be sustained in the future. Data as of 31st December 2021. Load is not taken into consideration in scheme returns calculation. Different Plans shall have a different expense structure. Returns are net of total expenses and calculated on the basis of Compounded Annualized Growth Rate(CAGR). For performance of other Schemes Managed by Mr. Chirag Mehta please see slide number 48, 49 and 50. Mr. Chirag Mehta manages 5 schemes of Quantum Mutual Fund.

  38. Performance of Quantum India ESG Equity Fund Performance of Quantum India ESG Equity Fund - - Regular Plan The Scheme is managed by Mr. Chirag Mehta and Ms. Sneha Joshi. Mr. Chirag Mehta is the Fund Manager effective from July 12, 2019. Ms. Sneha Joshi is the Associate Fund Manager effective from July 12, 2019 Regular Plan Current Value of 10,000 Invested at the beginning of a given period Tier 1 Benchmark Additional Benchmark Tier 1 Benchmark Additional Benchmark Period NIFTY 100 ESG TRI (%) S&P BSE Sensex TRI (%) NIFTY S&P BSE Sensex TRI (Rs) Scheme Returns (%) Scheme (Rs) 100 ESG TRI (Rs) 1 Year 30.55% 32.26% 23.23% 13,055 13,226 12,323 Since Inception (12th July 2019) 24.54% 24.70% 19.20% 17,220 17,275 15,449 Past performance may or may not be sustained in the future. Data as of 31st December 2021. Load is not taken into consideration in scheme returns calculation. Different Plans shall have a different expense structure. Returns are net of total expenses and calculated on the basis of Compounded Annualized Growth Rate(CAGR). For performance of other Schemes Managed by Mr. Chirag Mehta please see slide 48, 49 and 50. Mr. Chirag Mehta manages 5 schemes of Quantum Mutual Fund.

  39. Performance of Quantum Equity Fund of Funds Performance of Quantum Equity Fund of Funds Direct Plan Direct Plan – – Growth Option Growth Option The Scheme is managed by Mr. Chirag Mehta effective from November 1, 2013. Current Value of 10,000 Invested at the beginning of a given period Tier 1 Benchmark S&P BSE 200 TRI (Rs) Tier 1 Benchmark S&P BSE 200 TRI (%) Additional Benchmark S&P BSE Sensex TRI (%) Additional Benchmark S&P BSE Sensex TRI (Rs) Period Scheme Returns (%) Scheme (Rs) 1 year 30.70% 29.11% 23.23% 13,070 12,911 12,323 3 years 17.30% 18.87% 18.62% 16,149 16,805 16,698 5 years 15.69% 17.97% 18.31% 20,739 22,867 23,198 7 years 12.63% 13.35% 12.71% 23,013 24,050 23,119 10 years 16.94% 16.64% 15.74% 47,888 46,708 43,196 Since Inception (20th July 2009) 14.65% 13.46% 12.91% 54,923 48,249 45,401 Past performance may or may not be sustained in the future. Load is not taken into consideration in scheme returns calculation. Data as of 31st December 2021.Different Plans shall have different expense structure. Returns are net of Total Expenses and calculated on the basis of Compounded Annualized Growth Rate (CAGR). For performance of other Schemes Managed by Mr. Chirag Mehta please see slide number 48, 49 and 50.

  40. Performance of Quantum Equity Fund of Funds Performance of Quantum Equity Fund of Funds Regular Plan Regular Plan – – Growth Option Growth Option The Scheme is managed by Mr. Chirag Mehta effective from November 1, 2013. Current Value of 10,000 Invested at the beginning of a given period Tier 1 Benchmark Tier 1 Benchmark Additional Benchmark Additional Benchmark Period S&P BSE 200 TRI (%) S&P BSE Sensex TRI (%) S&P BSE 200 TRI (Rs) S&P BSE Sensex TRI (Rs) Scheme Returns (%) Scheme (Rs) 1 year 30.39% 29.11% 23.23% 13,039 12,911 12,323 3 years 17.03% 18.87% 18.62% 16,037 16,805 16,698 Since Inception (1st April 2017) 13.25% 15.75% 16.65% 18,071 20,047 20,806 Past performance may or may not be sustained in the future. Load is not taken into consideration in scheme returns calculation. Data as of 31st December 2021. Different Plans shall have different expense structure. Returns are net of Total Expenses and calculated on the basis of Compounded Annualized Growth Rate (CAGR). For performance of other Schemes Managed by Mr. Chirag Mehta please see slide number 48, 49 and 50.

  41. Performance of Quantum Gold Fund Performance of Quantum Gold Fund The Scheme is managed by Mr. Chirag Mehta and Ms. Ghazal Jain. Mr. Chirag Mehta is the Fund Manager effective from May 1, 2009. Ms. Ghazal Jain is the Associate Fund Manager effective from June 2, 2020. Current Value of 10,000 Invested at the beginning of a given period Additional Benchmark Period Tier 1 Benchmark Additional Benchmark Tier 1 Benchmark Domestic Price of Gold Returns (%) CRISIL 10 Year Gilt Index Returns (Rs) 10,135 12,232 12,963 16,005 20,081 24,171 Scheme Returns (%) CRISIL 10 Year Gilt Index Returns (%) Domestic Price of Gold Returns (Rs) Scheme (Rs) 1 year 3 years 5 years 7 years 10 years -4.71% 13.85% 10.17% 7.40% 4.71% 9.45% -4.00% 14.88% 11.22% 8.46% 5.75% 10.29% 1.35% 6.94% 5.32% 6.94% 7.21% 6.57% 9,529 14,762 16,240 16,486 15,858 34,970 9,600 15,168 17,025 17,662 17,499 38,914 Since Inception (22nd Feb 2008) Past performance may or may not be sustained in the future. Returns are net of total expenses and are calculated on the basis of Compounded Annualized Growth Rate (CAGR). The Scheme being Exchange Traded Fund has one plan to invest through stock exchange and having a single expense structure. For performance of other Schemes Managed by Mr. Chirag Mehta please see slide number 48, 49 and 50 and Ms. Ghazal Jain please see slide number 48.

  42. Performance of Quantum Gold Savings Fund Performance of Quantum Gold Savings Fund - - Direct Plan The Scheme is co-managed by Mr. Chirag Mehta and Ms. Ghazal Jain. Mr. Chirag Mehta is the Fund Manager effective from May 19, 2011. Ms. Ghazal Jain is the Associate Fund Manager effective from June 2, 2020 Direct Plan Current Value of 10,000 Invested at the beginning of a given period Tier 1 Benchmark Domestic Price of Gold Returns (%) Additional Benchmark Tier 1 Benchmark Additional Benchmark Period Scheme Returns (%) CRISIL 10 Year Gilt Index Returns (%) Domestic Price of Gold Returns (Rs) CRISIL 10 Year Gilt Index Returns (Rs) Scheme (Rs) 1 year 3 years 5 years 7 years 10 years -5.22% 13.64% 9.93% 7.45% 4.60% -4.00% 14.88% 11.22% 8.46% 5.75% 1.35% 6.94% 5.32% 6.94% 7.21% 9,478 14,681 16,064 16,543 15,679 9,600 15,168 17,025 17,662 17,499 10,135 12,232 12,963 16,005 20,081 Since Inception (19th May 2011) 6.30% 7.63% 7.03% 19,142 21,846 20,587 Past performance may or may not be sustained in the future. Load is not taken into consideration in scheme returns calculation. Data as of 31st December 2021 Different Plans shall have different expense structure. Returns are net of total expenses and are calculated on the basis of Compounded Annualized Growth Rate (CAGR) For performance of other Schemes Managed by Mr. Chirag Mehta please see slide number 48, 49 and 50 and Ms. Ghazal Jain please see slide number 48.

  43. Performance of Quantum Gold Savings Fund Performance of Quantum Gold Savings Fund - - Regular Plan The Scheme is co-managed by Mr. Chirag Mehta and Ms. Ghazal Jain. Mr. Chirag Mehta is the Fund Manager effective from May 19, 2011. Ms. Ghazal Jain is the Associate Fund Manager effective from June 2, 2020. Regular Plan Current Value of 10,000 Invested at the beginning of a given period Tier 1 Benchmark Additional Benchmark Tier 1 Benchmark Additional Benchmark Period Domestic Price of Gold Returns (%) CRISIL 10 Year Gilt Index Returns (Rs) Scheme Returns (%) CRISIL 10 Year Gilt Index Returns (%) Domestic Price of Gold Returns (Rs) Scheme (Rs) 1 year -5.36% -4.00% 1.35% 9,464 9,600 10,135 3 years 13.51% 14.88% 6.94% 14,630 15,168 12,232 Since Inception (1st April 2017) 9.86% 11.26% 5.51% 15,639 16,612 12,903 Past performance may or may not be sustained in the future. Load is not taken into consideration in scheme returns calculation. Data as of 31st December 2021 Different Plans shall have different expense structure. Returns are net of total expenses and are calculated on the basis of Compounded Annualized Growth Rate (CAGR) For performance of other Schemes Managed by Mr. Chirag Mehta please see slide number 48, 49 and 50 and Ms. Ghazal Jain please see slide number 48.

  44. Performance of Quantum Liquid Fund Performance of Quantum Liquid Fund – – Direct Plan Mr. Pankaj Pathak is the Fund Manager effective from March 01, 2017 Direct Plan – – Growth Option Growth Option Current Value Rs 10,000 Invested at the beginning of a given period Additional Benchmark Crisil 1 year T-bill Index Returns (%) Additional Benchmark Tier 1 Benchmark Tier 1 Benchmark Crisil Liquid Fund Index Returns (%) Crisil Liquid Fund Index (Rs.) Period Scheme Returns (%) Crisil 1 year T-bill Index (Rs.) Scheme (Rs.) 7 Days* 3.81% 3.82% 4.06% 10,007 10,007 10,008 15 Days* 3.42% 3.72% 2.76% 10,014 10,015 10,011 1 Month* 3.34% 3.59% 2.94% 10,028 10,031 10,025 1 year** 3.20% 3.60% 3.49% 10,320 10,360 10,349 3 years** 4.31% 5.01% 5.63% 11,352 11,582 11,788 5 years** 5.11% 5.85% 5.92% 12,831 13,291 13,336 7 years** 5.75% 6.42% 6.44% 14,791 15,461 15,482 10 years** 6.69% 7.16% 6.75% 19,117 19,984 19,235 Since Inception (07th April 2006)** 6.87% 6.98% 6.19% 28,462 28,953 25,764 Past performance may or may not be sustained in the future. Different Plans shall have a different expense structure. Data as of 31st December 2021 * Simple Annualized . **Returns for 1 year and above period are calculated on the basis of Compounded Annualized Growth Rate (CAGR). Returns are net of total expenses. Pankaj Pathak also manages Quantum Dynamic Bond Fund. Please refer slide no.47 to review performance of Quantum Dynamic Bond Fund.

  45. Performance of Quantum Liquid Fund Performance of Quantum Liquid Fund – – Regular Plan Mr. Pankaj Pathak is the Fund Manager effective from March 01, 2017 Regular Plan – – Growth Option Growth Option Current Value Rs 10,000 Invested the beginning of a given period Additional Benchmark Additional Benchmark Tier 1 Benchmark Tier 1 Benchmark Crisil Liquid Fund Index Returns (%) Crisil 1 year T-bill Index Returns (%) Crisil Liquid Fund Index (Rs.) Period Scheme Returns (%) Crisil 1 year T-bill Index (Rs.) Scheme (Rs.) 7 Days* 3.72% 3.82% 4.06% 10,007 10,007 10,008 15 Days* 3.32% 3.72% 2.76% 10,014 10,015 10,011 1 Month* 3.23% 3.59% 2.94% 10,027 10,031 10,025 1 year** 3.10% 3.60% 3.49% 10,310 10,360 10,349 3 years** 4.23% 5.01% 5.63% 11,323 11,582 11,788 Since Inception (1st April 2017)** 4.97% 5.80% 5.88% 12,595 13,074 13,123 Past performance may or may not be sustained in the future. Different Plans shall have a different expense structure. Data as of 31st December 2021 * Simple Annualized . **Returns for 1 year and above period are calculated on the basis of Compounded Annualized Growth Rate (CAGR). Returns are net of total expenses. Pankaj Pathak also manages Quantum Dynamic Bond Fund. Please refer slide no.47 to review performance of Quantum Dynamic Bond Fund.

  46. Other Schemes managed by Nilesh Shetty Other Schemes managed by Nilesh Shetty Quantum Multi Asset Fund of Funds Mr. Nilesh Shetty Co-managing along with Mr. Chirag Mehta effective from July 11, 2012. Period Dec 31, 2020 to Dec 31, 2021 (1 year) Dec 31, 2018 to Dec 31, 2021 (3 years) Dec 30, 2016 to Dec 31, 2021 (5 years) Scheme Returns (%) Tier 1 Benchmark Returns (%) # Scheme Returns (%) Tier 1 Benchmark Returns (%) # Scheme Returns (%) Tier 1 Benchmark Returns (%) # Quantum Multi Asset Fund of Funds* – Direct Plan (Gr) 7.76% 10.17% 9.51% 13.34% 9.06% 12.38% Quantum Multi Asset Fund of Funds* – Regular Plan (Gr) 7.36% 10.17% 9.19% 13.34% NA NA Data as of 31st December 2021 Past performance may or may not be sustained in the future. Load is not taken into consideration in Scheme Return Calculation. #CRISIL Composite Bond Fund Index (20%) + S&P BSE Total Return Index (40%) + CRISIL Liquid Index (25%) + Domestic Price of Gold (15%) It is a customized index and it is rebalanced daily. Returns are net of total expenses and are calculated on the basis of Compounded Annualized Growth Rate (CAGR). Different Plans shall have different expense structure. Mr. Chirag Mehta manages 5 schemes of the Quantum Mutual Fund. Mr. Nilesh Shetty manages 2 schemes of the Quantum Mutual Fund. Quantum Long Term Equity Value Fund Mr. Sorbh Gupta effective from December 1, 2020.Co-managing with Mr. Nilesh Shetty effective from March 28, 2011 Period Dec 31, 2020 to Dec 31, 2021 (1 year) Tier 1 Benchmark Benchmark Dec 31, 2018 to Dec 31, 2021 (3 years) Tier 1 Benchmark Dec 30, 2016 to Dec 31, 2021 (5 years) Tier 1 Benchmark Tier 2 Tier 2 Benchmark Tier 2 Benchmark Scheme Scheme Scheme Returns (%)Returns (%) Returns (%) ## Returns (%)Returns (%) Returns (%) ## Returns (%) # Returns (%) ## Returns (%) # # Quantum Long Term Value Fund- Direct Plan (Gr) Quantum Long Term Value Fund- Regular Plan (Gr) 25.53% 31.63% 29.11% 12.08% 19.30% 18.87% 11.50% 18.05% 17.97% 24.90% 31.63% 29.11% 11.54% 19.30% 18.87% N.A. N.A. N.A. Past performance may or may not be sustained in the future. Load is not taken into consideration in Scheme Return Calculation. Data as of 31st December 2021 #S&P BSE 500 TRI ## BSE 200 TRI. Returns are net of total expenses and are calculated on the basis of Compounded Annualized Growth Rate (CAGR). Mr. Sorbh Gupta & Mr. Nilesh Shetty manages 2 schemes of Quantum Mutual Fund.

  47. Other Schemes managed by Pankaj Pathak Other Schemes managed by Pankaj Pathak Quantum Dynamic Bond Fund Mr. Pankaj Pathak is the Fund Manager effective from March 01, 2017. Dec 31, 2020 to Dec 31, 2021 (1 year) Dec 31, 2018 to Dec 31, 2021 (3 years) Period Dec 30, 2016 to Dec 31, 2021 (5 years) Scheme Returns (%) Tier 1 Benchmark Returns (%) # Scheme Returns (%) Tier 1 Benchmark Returns (%) # Scheme Returns (%) Tier 1 Benchmark Returns (%) # Quantum Dynamic Bond Fund - Direct Plan - Growth Option 3.28% 3.44% 8.08% 8.74% 6.66% 7.35% Quantum Dynamic Bond Fund - Regular Plan - Growth Option 3.16% 3.44% 7.94% 8.74% NA NA Data as of 31st December 2021 Past performance may or may not be sustained in the future. #CRISIL Composite Bond Fund Index. Returns are net of total expenses and are calculated on the basis of Compounded Annualized Growth Rate (CAGR) Different Plans shall have different expense structure. Mr. Pankaj Pathak manages 2 schemes of the Quantum Mutual Fund

  48. Other Schemes managed by Mr. Chirag Mehta Other Schemes managed by Mr. Chirag Mehta Quantum Gold Fund Mr. Chirag Mehta is managing the scheme effective from May 1, 2009. Ms. Ghazal Jain is co-managing the scheme effective from June 2, 2020 Period Dec 31, 2020 to Dec 31, 2021 (1 year) Tier 1 Benchmark Returns (%) # Dec 31, 2018 to Dec 31, 2021 (3 years) Dec 30, 2016 to Dec 31, 2021 (5 years) Scheme Returns (%) Scheme Returns (%) Tier 1 Benchmark Returns (%) # Scheme Returns (%) Tier 1 Benchmark Returns (%) # Quantum Gold Fund (Gr) -4.71% -4.00% 13.85% 14.88% 10.17% 11.22% Data as of 31st December 2021 Past performance may or may not be sustained in the future. #Domestic Price of Gold. Returns are net of total expenses and are calculated on the basis of Compounded Annualized Growth Rate (CAGR). Mr. Chirag Mehta manages 5 Schemes and Ms. Ghazal Jain manages 2 Schemes of the Quantum Mutual Fund The Scheme being Exchange Traded Fund has one plan to invest through stock exchange and having a single expense structure Quantum Gold Savings Fund Mr. Chirag Mehta is managing the scheme effective from May 19, 2011. Ms. Ghazal Jain is co-managing the scheme effective from June 2, 2020 Period Dec 31, 2020 to Dec 31, 2021 (1 year) Dec 31, 2018 to Dec 31, 2021 (3 years) Dec 30, 2016 to Dec 31, 2021 (5 years) Tier 1 Benchmark Returns (%) # Scheme Returns (%) Scheme Returns (%) Tier 1 Benchmark Returns (%) # Scheme Returns (%) Tier 1 Benchmark Returns (%) # Quantum Gold Savings Fund– Direct Plan (Gr) Quantum Gold Savings Fund– Regular Plan (Gr) Data as of 31st December 2021 Past performance may or may not be sustained in the future. #Domestic Price of Gold. Returns are net of total expenses and are calculated on the basis of Compounded Annualized Growth Rate (CAGR). Different Plans shall have different expense structure. Mr. Chirag Mehta manages 5 Schemes and Ms. Ghazal Jain manages 2 -5.22% -4.00% 13.64% 14.88% 9.93% 11.22% -5.36% -4.00% 13.51% 14.88% NA NA Schemes of the Quantum Mutual Fund

  49. Other Schemes managed by Mr. Chirag Mehta Other Schemes managed by Mr. Chirag Mehta Quantum Equity Fund of Funds Mr. Chirag Mehta is the Fund Manager effective from November 01, 2013. Period Dec 31, 2020 to Dec 31, 2021 (1 year) Dec 31, 2018 to Dec 31, 2021 (3 years) Dec 30, 2016 to Dec 31, 2021 (5 years) Scheme Returns (%) Tier 1 Benchmark Returns (%) # Scheme Returns (%) Tier 1 Benchmark Returns (%) # Scheme Returns (%) Tier 1 Benchmark Returns (%) # Quantum Equity Fund of Funds – Direct Plan (Gr) Quantum Equity Fund of Funds – Regular Plan (Gr) 30.70% 29.11% 17.30% 18.87% 15.69% 17.97% 30.39% 29.11% 17.03% 18.87% NA NA Past performance may or may not be sustained in the future. Load is not taken into consideration in Scheme Return Calculation. Data as of 31st December 2021 # S&P BSE 200 TRI Returns are net of total expenses and are calculated on the basis of Compounded Annualized Growth Rate (CAGR). Mr. Chirag Mehta manages 5 schemes of the Quantum Mutual Fund Quantum Multi Asset Fund of Funds Mr. Chirag Mehta Co-managing along with Mr. Nilesh Shetty effective from July 11, 2012. Period Dec 31, 2020 to Dec 31, 2021 (1 year) Dec 31, 2018 to Dec 31, 2021 (3 years) Dec 30, 2016 to Dec 31, 2021 (5 years) Scheme Returns (%) Tier 1 Benchmark Returns (%) # Scheme Returns (%) Tier 1 Benchmark Returns (%) # Scheme Returns (%) Tier 1 Benchmark Returns (%) # Quantum Multi Asset Fund of Funds* – Direct Plan (Gr) 7.76% 10.17% 9.51% 13.34% 9.06% 12.38% Quantum Multi Asset Fund of Funds* – Regular Plan (Gr) 7.36% 10.17% 9.19% 13.34% NA NA Data as of 31st December 2021 Past performance may or may not be sustained in the future. Load is not taken into consideration in Scheme Return Calculation. #CRISIL Composite Bond Fund Index (20%) + S&P BSE Total Return Index (40%) + CRISIL Liquid Index (25%) + Domestic Price of Gold (15%) It is a customized index and it is rebalanced daily. Returns are net of total expenses and are calculated on the basis of Compounded Annualized Growth Rate (CAGR). Different Plans shall have different expense structure. Mr. Chirag Mehta manages 5 schemes of the Quantum Mutual Fund. Mr. Nilesh Shetty manages 2 schemes of the Quantum Mutual Fund. *With effect from 1st January 2020, the name of “Quantum Multi Asset Fund” has been changed to “Quantum Multi Asset Fund of Funds”.

  50. Other Schemes managed by Mr. Chirag Mehta Other Schemes managed by Mr. Chirag Mehta Quantum India ESG Equity Fund Mr. Chirag Mehta effective from July 12, 2019. Co-managing with Ms. Sneha Joshi effective from July 12, 2019 Period Dec 31, 2020 to Dec 31, 2021 (1 year) Dec 31, 2018 to Dec 31, 2021 (3 years) Dec 30, 2016 to Dec 31, 2021 (5 years) Scheme Returns (%) Tier 1 Benchmark Returns (%) # Scheme Returns (%) Tier 1 Benchmark Returns (%) # Scheme Returns (%) Tier 1 Benchmark Returns (%) # Quantum India ESG Equity Fund – Direct Plan (Gr) Quantum India ESG Equity Fund – Regular Plan (Gr) 31.48% 32.26% NA NA NA NA 30.55% 32.26% NA NA NA NA Data as of 31st December 2021 Past performance may or may not be sustained in the future. Different Plans shall have a different expense structure. Returns are net of total expenses and are calculated on the basis of Compounded Annualized Growth Rate (CAGR). Mr. Chirag Mehta manages 5 Schemes and Ms. Sneha Joshi manages 1 scheme of the Quantum Mutual Fund

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