1. Moat - An Investment Lifestyle

1. moat Investments. Simplified! Portfolio management service and advisory Extracted from our transcendent research process; We serve superior returns through carefully crafted portfolio of quality equity investments.

2. Why are we called MOAT? Back in the days, moats were depressions around a castle, usually filled with water, which served as a preliminary line of defence. It’s the same with businesses! All profitable businesses are bound to attract competition carving a share into their profit pool. And yet only a few manage to protect themselves from this competition by building economic moats! The terminology `Moat’, coined by the legendary investor Warren Buffett, refers to a business' ability to maintain profitability even in the face of fierce competition. A sustainable competitive advantage is difficult to mimic or duplicate. The power of moats is insurmountable! And so we truly believe, The wider a business’ moat, the more likely is its ability to stand the test of time!

3. The first wealth is health! For all things other, you can count on us! A well-balanced diet and investment portfolio will keep you healthy as well as wealthy. We aim to generate long-term wealth for you!

4. You work hard for your money! Make sure it works harder for you! Build income streams that make money regardless of whether you work that day! If you take a vacation or fall sick, your income should still be coming in.

5. No one is expected to be their own doctor or lawyer! Why should investments be any different? Lack of knowledge about investing brings in a lot of stress, fear and anxiety. Leave it to the professionals! We nurture your investments like they are our own!

6. Equity is a serious investment class! Time and again, Equity has proven to be an excellent asset class. It has not only outperformed but also delivered superior returns compared to other traditional asset classes like gold and real estate. Yet, most people you’d meet would still warn you about how things can soon turn sour in the gambler’s den!

7. Risk comes from not knowing what you’re doing! -Warren Buffet While traders forget the fact that Hiroshima and Nagasaki were destroyed in a day…investors always remember that Rome wasn’t built in a day! Let’s bust this myth, once and for all. Things can go south and equity can be risky, but solely for speculative, short- term traders who do not understand the business fully. We carefully craft a portfolio of quality businesses backed by our superior in- house research.

8. Equity is simply ownership of business. Business ownership has always been a great wealth creation asset class! We forget a very simple fact that the Ambani’s and the Tata’s of the world haven’t become wealthy by investing in just a piece of real estate or quantum of gold. What set them apart is their investments in or ownership of quality and productive Indian businesses. Does Reliance, Tata Group ring a bell? We endeavour long-term wealth creation through exclusive investments in the Indian equity space.

9. Investing is a lot like preparing a meal!

10. PLAN YOUR MENU We eat differently. One diet does not fit all! Investment plan that’s right for someone else, may not necessarily be right for you! We check your appetite for risk and investment objectives to prepare a personalised financial menu for you! Investment portfolios adjusted to your taste!

11. Having your favourite meal day in and day out might make you feel good for a while, but it may also put you at a high risk of nutritional deficiency. Similarly, betting on your favourite winners of yesteryears, could leave your investment returns deficient from the shining heroes of the future!

12. We break away from the herd mentality to pick the flavour of the decade that is aligned with your financial goals!

13. BUY QUALITY INGREDIENTS Great ingredients make great food! It’s simple! A chef’s first step is to get the freshest ingredients. Our rigorous and proven research process ensures selection of only high-quality businesses that we understand fully!

14. DON’T OVERPAY FOR YOUR INGREDIENTS! If you are shopping for common stocks, choose them the way you would buy groceries! We buy quality businesses at fair value. We are open to all possibilities but always as careful about your money as we are about our own. If we are stumped on an investment plan, we prefer to sit on cash rather than risking the safety of your capital!! !

15. USE THE RIGHT PROPORTION OF INGREDIENTS A recipe is a story that ends in a good meal! A crispy dosa requires a different proportion of the same ingredients than a soft one. Like a good recipe, a good portfolio is all about what you put in and in what proportions you mix them! Our investment solutions are designed to work in tandem with your personal appetite for risk reach to reach your investment objective.

16. LET THE FOOD SIMMER UNTIL ITS WELL DONE! Good things take time! All great cooks insist on having patience. As the rich flavours develop, some dishes taste even better with time. Patience is the key ingredient in cooking as well as investing. We strongly believe in our high conviction picks and add to it the magic of compounding . Our strategy `buy right and sit tight’ allows us to stay invested in the business for the long-run to realise its full potential.

17. A perfectly tasty meal is all about finding the freshest ingredients, combining them in the right proportions, adjusting to taste and cooking for the right amount of time.

18. Since inception, our flagship portfolio has successfully delivered 32.54% CAGR as compared to 15.9% returns from Nifty 500 during January 2020-April 2021. Rs.1 crore invested with Moat in January 2020 became Rs.1.48 crores v/s Rs.1.22 crores with Nifty 500.

19. Moat, established in 2014, is owned and controlled by its skilled and seasoned management team, who have worked together closely over decades and continue to do so even today with the same investment philosophy and a clear alignment of interest. We follow the true spirit of equity investing and so naturally, Moat is born from our passion for providing professional and prudent investment management services.

20. Moat’s rigorous research process is central to what we do! Our proven investment thesis is derived from identifying superior compounding growth stories which have the ability to deliver for extended periods of time.

21. We have carefully put together a structured framework wherein we apply stringent investment criteria ensuring that only the cream of the crop delivering excellent financial performance are included in our concentrated investment portfolio.

22. Our investment approach is designed to deliver regularly rather than in bouts. Backed by our extensive in-house research process, Moat remains focused on delivering superior investment performance at a reasonable cost. We endeavour long-term wealth creation for our clients through exclusive investments in quality listed Indian businesses.

23. The Faces behind Moat Meet your Chefs Suraj Nair Chief Investing Officer Suraj, the Co-founder and Executive Director of Moat Financial Services, is a full-time equity investor who lives his passion of creating a true culture and spirit on equity investing. During the Lehman crisis, he resigned his lucrative job, sold-off his apartment where he lived to mobilise capital to invest further in equities. He brings with him over 15 years of wisdom in the Indian equity markets and believes that his job is to identify listed businesses that can really become big and great. And to warrant this, Suraj invests his time in getting to know great businesses by engaging in full length conversations with their distinguished management. For him, `Equity Investing’ is all about identifying small, quality Indian listed businesses run by an upright management or a first generation promoter entrepreneur at its early stage. An Engineer by academics, Suraj started his professional life abroad working with different IT/Software companies in the financial/Mutual fund Domain. He took his first step in the Capital Markets arena with a premier Portfolio management company working in the capacity of Vice-President. Biju John Managing Director & Chief Executive Officer Biju is a management professional with over two decades of experience in the capital markets and FMCG sector. With his extensive experience, he brings to the table his expertise in understanding the investor’s side of the story. Innovations and promotions, maintaining investor relations, management of accounts and taking a deep peek into the marketing aspects are his specialisations. Fazal Hameed Chief Operating Officer Fazal has over two decades of experience in the Indian Capital Markets. He is a member of the Cochin Stock Exchange, (currently CSBL) since 1997 and possesses a thorough understanding of the operations and compliance requirements of the equity markets. He is also the Operations and Principal Officer at Moat. Prior to joining Moat Financial Services, he has worked in the finance team of leading multinational companies in the Middle East.

24. Meet the Number Crunchers! Koushik Mohan Fund Manager & Head of Research Koushik has been tracking the Indian equity market and his quest to understand capital markets led him to start investing since 2014. Prior to joining Moat Financial Services, he worked at Northern Trust wherein he was part of the Northern Trust EMEA OTC Derivatives team and worked on swaps. He has also worked in an audit firm which helped him understand the ins and outs of the financial universe. Moreover, Koushik was part of the equity research team of Finology, an investment advisor. He also worked with major broker firms as a sell-side research analyst (Intern). Koushik holds an MBA degree from the National Institute of Securities Markets (SEBI) and a B-com degree from Jain University. Salonee Desai Senior Equity Research Analyst Salonee has over 7 years of experience in the field of financial research & analysis. Prior to joining Moat Financial Services, she was an Industry Analyst at Centre for Monitoring Indian Economy (CMIE), wherein her core area of work involved extensive research of major Indian industries such as Drugs & Pharmaceuticals, Hotels & Restaurants, Tourism & Leisure, Health Services, Tractors and other machinery, among many others. With her Chartered Financial Analyst (CFA)® program level II candidacy, she started her career by taking the role of an equity advisor with one of India’s leading brokerage houses, CD Equisearch, which further piqued her interest in the Indian equity space. To know more... Contact Mr.Biju John +91 98951 19714 Write to us: pms@moatindia.com