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FD vs Quantum Multi Asset Funds of Fund

FD vs Quantum Multi Asset Funds of Fund

Low FD rates are likely to stay...
Here's what you can do

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Quantum Mutual Fund

May 17, 2021
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Transcript

  1. Low FD rates are likely to stay – Here's what

    you can do. Speaker: Chirag Mehta, Senior Fund Manager, Alternative Investments May 14, 2021
  2. 2 Are low & falling FD rates bothering you? Bank

    FD interest rates SBI 2.90% - 5.40% HDFC 2.50% - 5.50% ICICI 2.50% - 5.50% Axis 2.50% - 5.75% Kotak 2.50% - 5.30% Data as of May 10th 2021 2 4 6 8 10 12 14 SBI 1 year FD rate Source: FD Interest Rates - Compare Best Fixed Deposit Rate in India, 10 May 2021 (myloancare.in). Bloomberg, SBI
  3. 3 Despite low returns, bulk of money still in FDs

    53% of household savings are kept in Bank deposits Source: Quarterly Estimates of Households’ Financial Assets and Liabilities, RBI, June 2020
  4. 4 How efficient is india’s preferred saving instrument? Bank Fixed

    Deposit Pros: •Assured returns •Deposit Insurance •Loan against FD Bank Fixed Deposit Cons: •Low returns / low real returns •Insured upto 5 lacs •Liquidity – penalty on premature withdrawal •Taxation as per tax slab
  5. FD is a long term losing proposition Consumer Basket 1990*

    2000 2010 2015 2020 CAGR TOTAL SPENDING PER ANNUM 23,759 68,923 151,279 280,064 427,619 10.1% Price of gold, INR/10 grams 3,409 4,528 18,268 26,335 50,104 9.4% Units ( Grams) of gold to consume my basket 70 152 83 106 85 BSE SENSEX 730 4,659 15,585 26,557 47,751 14.9% 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)* 1,064 2,220 3,550 4,628 5,814 6.0% Units of FD Basket to consume my basket 22 31 43 61 73 Past performance may or may not sustained in future Quarterly compounding and Tax rate on Fixed Deposit assumed to be 30%
  6. Other Assets have better return options, should you opt for

    them?
  7. 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 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 April 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 Source: Bloomberg Imagine someone holding an all equity portfolio in 2008, or holding none in the equity rally that followed? 7 Other assets have done well but it’s a challenge to pick winners amidst volatility 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021* Sense x 49% Sense x 49% Gold 26% Sense x 83% Gold 23% Gold 32% Sense x 28% Sense x 11% Sense x 32% Bonds 9% Bonds 13% Sense x 30% Gold 8% Gold 16% Gold 28% Sensex 2% Gold 20% Gold 16% Bonds 9% Gold 24% Sense x 19% Bonds 7% Gold 12% Bonds 4% Bonds 14% Sensex -4% Gold 11% Gold 5% Sensex 7% Sensex 14% Sensex 17% Bonds 0.3% Bonds 4% Bonds 7% Sense x -52% Bonds 4% Bonds 5% Sense x -24% Bonds 9% Gold -5% Gold -8% Gold -7% Sense x 3% Bonds 5% Bonds 6% Bonds 11% Bonds 12% Gold -5%
  8. 8 Asset markets go through cycles of optimism & pessimism

    Equity Debt Gold 2001 -18% 35% 6% Debt Rally 2002 4% 29% 24% 2003 73% 8% 14% Equity Rally 2004 13% 0% 1% 2005 42% 5% 22% 2006 47% 4% 21% 2007 47% 7% 17% Gold Rally 2008 -52% 9% 30% 2009 81% 4% 20% 2010 17% 5% 24% 2011 -25% 7% 32% 2012 26% 9% 10% Equity Rally 2013 9% 4% -19% 2014 30% 14% 1% Debt Rally 2015 -4% 9% -7% 2016 3% 13% 11% 2017 30% 5% 5% Equity Rally 2018 7% 6% 8% 2019 14% 11% 16% Gold Rally 2020 17% 12% 28% Note: Past performance may or may not be sustained in future.
  9. 9 Global markets are dynamic & full of surprises -

    some predictable some not! • 1994: the Harshad Mehta scam, • 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 and the bankruptcy of Unit Trust of India, • 2003: SARS, the Iraq war • 2008: the bankruptcy of Lehman, the Global Financial Crisis • 2013: Bernanke's twist led to India's collapse • 2016: Demonetization and the Great Indian Economic Slowdown • 2018: bankruptcy of IL&FS • 2019: Cooperative banks and developers going bust, • 2020: YES Bank, COVID-19
  10. Is there a market linked liquid option to FD’s?

  11. 11 Options to FDs – What are we looking for?

    Market linked Returns Lower volatility Better predictability Lower Downside
  12. Risk-Return Equity +Debt +Gold * Equity + Debt ** Equity

    Debt Gold CAGR 11.05% 11.00% 12.53% 7.24% 11.41% Annualized SD 9.41% 13.53% 22.15% 3.29% 17.37% VAR -15.53% -22.32% -36.55% -5.43% -28.67% Maximum Drawdown -21.43% -36.08% -56.17% -6.29% -25.22% Sharpe Ratio 0.5332 0.3674 0.2936 0.3662 0.3094 Combine asset classes to deliver a better risk adjusted returns If you compound your money at 12% per year you are better off than an investor who makes 25% in one year and loses 20% in the next The most diversified strategy yields similar returns with the lower volatility, compared to a pure equity strategy 12 Time frame is November 2004 to April 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 TRI, Crisil Composite Bond fund index, and Domestic Gold Prices Note: Past performance may or may not be sustained in the future
  13. 13 Each asset serves a role in a portfolio context

    EQUITY Long term growth FIXED INCOME Regular income and stability GOLD Diversifies against macro events and a store of value
  14. Good prices & good news do not come at the

    same time Data as of April 2021; Source: Quantum MF Note: Past performance may or may not be sustained in future. 0 15000 30000 45000 60000 75000 25.00% 30.00% 35.00% 40.00% 45.00% 50.00% 55.00% 60.00% 65.00% Aug-12 Oct-12 Dec-12 Feb-13 Apr-13 Jun-13 Aug-13 Oct-13 Dec-13 Feb-14 Apr-14 Jun-14 Aug-14 Oct-14 Dec-14 Feb-15 Apr-15 Jun-15 Aug-15 Oct-15 Dec-15 Feb-16 Apr-16 Jun-16 Aug-16 Oct-16 Dec-16 Feb-17 Apr-17 Jun-17 Aug-17 Oct-17 Dec-17 Feb-18 Apr-18 Jun-18 Aug-18 Oct-18 Dec-18 Feb-19 Apr-19 Jun-19 Aug-19 Oct-19 Dec-19 Feb-20 Apr-20 Jun-20 Aug-20 Oct-20 Dec-20 Feb-21 Apr-21 Equity allocation Sensex TRI
  15. Performance of Quantum Multi Asset Fund of Funds Direct Plan

    – Growth Option The Scheme is co-managed by Mr. Chirag Mehta and Mr. Nilesh Shetty since July 11, 2012. Past performance may or may not be sustained in the future. Load is not taken into consideration in scheme returns calculation. Data as of 30th April 2021 Different Plans shall have different expense structure. Returns are calculated on the basis of Compounded Annualized Growth Rate (CAGR). # The benchmark of the scheme has been changed w.e.f. April 01, 2021. Earlier benchmark was CRISIL Composite Bond Fund Index (40%) + S&P BSE SENSEX Total Return Index (40%) + Domestic price of Gold (20%). It is a customized index and it is rebalanced daily. For performance of other Schemes Managed by Mr. Chirag Mehta please see slide number 39 and 40 and for performance of other Schemes Managed by Mr. Nilesh Shetty please see slide number 38. Period Current Value of 10,000 Invested at the beginning of a given period Scheme Returns (%) 0 Benchmark Returns (%)# S&P BSE Sensex TRI Returns (%) Scheme (Rs) Benchmark (Rs)# S&P BSE Sensex TRI (Rs.) 1 year 16.00% 20.01% 46.26% 11,600 12,001 14,626 3 years 8.55% 11.49% 12.85% 12,795 13,863 14,377 5 years 9.21% 11.22% 15.15% 15,544 17,026 20,260 7 years 9.26% 10.54% 13.23% 18,596 20,175 23,874 Since Inception (11th July 2012) 9.50% 10.42% 13.84% 22,254 23,944 31,329
  16. 16 90% of the time, you would have been better

    off than a FD Past performance may or may not be sustained in future. 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 90 100 110 120 130 140 150 160 170 180 190 200 210 220 230 240 250 11-Jul-12 30-Apr-21 Quantum Multi Asset Fund of Funds SBI 1 year deposit CRISIL Composite Bond Fund Index (20%) + S&P BSE Total Return Index (40%) + CRISIL Liquid Index(25%) + Domestic price of Gold (15%) N A V Period (Base = 100, as on 11th July 2012) Total Days: 3215 Down Days: 336 Down Days %: 10.45 Returns since inception: 9.50% Standard Deviation : 5.99% (Annulised since inception)
  17. 17 84% of the time, you would have been better

    off on a 3-Year rolling basis Past performance may or may not be sustained in future. 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 0% 2% 4% 6% 8% 10% 12% 14% 16% July, 15 August, 15 Septembe… October, 15 November… December,… January, 16 February,… March, 16 April, 16 May, 16 June, 16 July, 16 August, 16 Septembe… October, 16 November… December,… January, 17 February,… March, 17 April, 17 May, 17 June, 17 July, 17 August, 17 Septembe… October, 17 November… December,… January, 18 February,… March, 18 April, 18 May, 18 June, 18 July, 18 August, 18 Septembe… October, 18 November… December,… January, 19 February,… March, 19 April, 19 May, 19 June, 19 July, 19 August, 19 Septembe… October, 19 November… December,… January, 20 February,… March, 20 April, 20 May, 20 June, 20 July, 20 August, 20 Septembe… October, 20 November… December,… January, 21 February,… March, 21 April, 21 QMAFOF 3 years rolling returns SBI FD 3 years rolling returns CRISIL Composite Bond Fund Index (20%) + S&P BSE Total Return Index (40%) + CRISIL Liquid Index(25%) + Domestic price of Gold (15%) 3 years rolling returns Total Days: 2120 Down Days : 336 Down Days %: 15.85
  18. 18 There isn’t a single 3 year period since QMAF’s

    inception when it posted a negative return Minimum Return 1.54% Maximum Return 13.63% Average Return 8.76% QMAF 3 year rolling returns as of April 2021
  19. Asset class performance and Quantum Multi Asset Fund of Funds

    The performance shown in the graph should be reviewed in conjunction with detailed performance of the scheme provided on slide number 15, Time Period: July 11,2012 to 30th April 2021. Note: Past performance may or may not be sustained in future.
  20. Asset Class Outlook

  21. Equity

  22. India’s economic growth reflected in corporate earnings Source: % change

    in INR, CLSA and Bloomberg Finance L.P., as of January 31, 2021. CY 21 and CY 22 are estimate numbers.
  23. Spiking PER overstates valuation given the june quarter’s gap down

    Source: Bloomberg Finance L.P., as March, 2020 Past Performance may or may not be sustained in future.
  24. Fixed Income

  25. Higher fiscal deficit will keep government debt elevated 0% 2%

    4% 6% 8% 10% 12% 14% FY 14 FY 15 FY 16 FY 17 FY 18 FY 19 FY 20 FY 21 E FY 22 E % of GDP Fiscal Deficit Centre State Source: CMIE, Quantum Research FY21 and FY22 Fiscal Deficit numbers are as per Quantum Estimates
  26. RBI is committed to remain accommodative for longer -2,000 -1,000

    - 1,000 2,000 3,000 4,000 5,000 6,000 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 INR Billion RBI's Bond Purchases Gross Purchase Net Purchase 2.0% 4.0% 6.0% 8.0% Repo Rate Source – MOSPI, Bloomberg, Quantum Research Source: RBI, Bloomberg, Quantum Research
  27. Higher inflation is on the way Source: CMIE, Quantum Research

    FY21 and FY22 Fiscal Deficit numbers are as per Quantum Estimates 2.0% 4.0% 6.0% 8.0% CORE CPI
  28. Gold

  29. Gold is a Monetary Asset – Gold has kept up

    with money supply growth Data as of April 2021 Source: Fred Past performance may or may not sustained in future 0 200 400 600 800 1000 1200 1400 1600 1974 1977 1981 1985 1989 1993 1997 2001 2005 2009 2013 2017 2021 US Money Supply - M2 Gold Prices Rebased = 100
  30. Negative rates make holding gold more attractive Lack of yield

    on fiat currencies supports gold Data as of April 2021 Source: Bloomberg Past Performance may or may not be sustained in future. -6 -4 -2 0 2 4 6 8 10 12 0 250 500 750 1000 1250 1500 1750 2000 2250 1970 1975 1980 1985 1990 1995 2000 2005 2010 2015 2020 % USD Gold price US Real interest rate
  31. Asset allocation should be Unbiased, Dynamic & Agile

  32. Dynamic asset allocation …Research backed process and discipline Ideal asset

    allocation is not static. Asset allocation needs to change depending on an asset class’s relative performance vis-à-vis other asset class. The fund follows dynamic portfolio allocation technique Portfolio allocation between the units of equity, debt/ money markets and gold schemes broadly depends on the relative valuations between the asset classes Relative valuations are determined by evaluation of various influencing factors: • Price/Earnings Ratio relative to historical averages; • The relationship between Earnings Yield to Bond Yield relative to historical averages; • Macroeconomic factors prevailing globally, and within India Asset Class Allocation (% of net Assets) Equity 26.02% Fixed Income 56.74% Gold 15.25% Cash (Net) 1.99% Scheme Allocation (% of net Assets) Quantum Long Term Equity Value Fund 13.12% Quantum Nifty Fund (ETF) 10.17% Quantum Liquid Fund 43.02% Quantum Dynamic Bond Fund 13.72% Quantum Gold Fund (ETF) 15.25% Quantum India Esg Equity Fund 2.73% Data as of April 2021
  33. Unbiased asset allocation.. Not biased to any particular asset class..

    Invests across asset classes : Equity, Debt and Gold Diversification across asset classes and within asset classes by investments is done through schemes of Quantum mutual fund Asset class Range of Exposure Fund Equity 25-65% Quantum Long Term Equity Value Fund, Quantum Nifty ETF, Quantum India ESG Equity Fund Debt 25-65% Quantum Liquid Fund, Quantum Dynamic Bond Fund Gold 10-20% Quantum Gold Fund (ETF)
  34. Agile asset allocation.. Data as of April 2021; Source: Quantum

    MF Note: Past performance may or may not be sustained in future. 0 15000 30000 45000 60000 75000 25.00% 30.00% 35.00% 40.00% 45.00% 50.00% 55.00% 60.00% 65.00% Aug-12 Oct-12 Dec-12 Feb-13 Apr-13 Jun-13 Aug-13 Oct-13 Dec-13 Feb-14 Apr-14 Jun-14 Aug-14 Oct-14 Dec-14 Feb-15 Apr-15 Jun-15 Aug-15 Oct-15 Dec-15 Feb-16 Apr-16 Jun-16 Aug-16 Oct-16 Dec-16 Feb-17 Apr-17 Jun-17 Aug-17 Oct-17 Dec-17 Feb-18 Apr-18 Jun-18 Aug-18 Oct-18 Dec-18 Feb-19 Apr-19 Jun-19 Aug-19 Oct-19 Dec-19 Feb-20 Apr-20 Jun-20 Aug-20 Oct-20 Dec-20 Feb-21 Apr-21 Equity allocation Sensex TRI
  35. 35 Consider an option of Quantum Multi Asset Fund before

    you book your next FD Diversifies across asset classes – which mitigates risk inherent of a particular asset class and provides steady returns Reduces dependency on a single asset class to generate returns No need to time markets. Invest in peace – 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-low sell-high” Better and a more tax efficient option for investors who park their money in long term FDs (3 years and above) Aims at reducing volatility of returns Note: Unlike Fixed Deposit with Banks there is no capital protection guarantee or assurance of any return in Quantum Multi Asset Fund. Investments in Quantum Multi Asset Fund as compared to Fixed Deposit carry “moderately” high risk and is subject to market risk
  36. None
  37. 37 It’s time you reconsider your FD which may be

    a losing proportion in terms of inflation and make way for a multi asset allocation strategy option which has the potential to provide a boost of long term risk adjusted returns with measured equity allocations while minimizing downside risk from the debt and gold allocations.. Make a prudent choice!
  38. Other Schemes managed by Nilesh Shetty 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 1 year 3 years 5 years Scheme Returns (%) Benchmark Returns (%) # Scheme Returns (%) Benchmark Returns (%) # Scheme Returns (%) Benchmark Returns (%) # Quantum Long Term Equity Value Fund–Direct Plan (Gr) 57.24% 53.92% 7.82% 11.46% 11.17% 15.09% Quantum Long Term Equity Value Fund–Regular Plan (Gr) 56.46% 53.92% 7.39% 11.46% 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 30th April ,2021 #BSE 200 TRI. 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. Sorbh Gupta & Mr. Nilesh Shetty manages 2 schemes of Quantum Mutual Fund.
  39. 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 1 year 3 years 5 years Scheme Returns (%) Benchmark Returns (%) # Scheme Returns (%) Benchmark Returns (%) # Scheme Returns (%) Benchmark Returns (%) # Quantum Gold Fund (Gr) -1.17% -0.37% 13.37% 14.44% 7.89% 8.94% Past performance may or may not be sustained in the future. # Domestic Price of Gold. Data as of 30th April ,2021 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 Period 1 year 3 years 5 years Scheme Returns (%) Benchmark Returns (%) # Scheme Returns (%) Benchmark Returns (%) # Scheme Returns (%) Benchmark Returns (%) # Quantum Gold Savings Fund– Direct Plan (Gr) -3.38% -0.37% 13.17% 14.44% 8.19% 8.94% Quantum Gold Savings Fund– Regular Plan (Gr) -3.46% -0.37% 13.05% 14.44% NA NA Past performance may or may not be sustained in the future. # Domestic Price of Gold. Data as of 30th April 2021 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 Schemes of the Quantum Mutual Fund. 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 Other Schemes managed by Mr. Chirag Mehta
  40. 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 1 year 3 years 5 years Scheme Returns (%) Benchmark Returns (%) # Scheme Returns (%) Benchmark Returns (%) # Scheme Returns (%) Benchmark Returns (%) # Quantum India ESG Equity Fund – Direct Plan (Gr) 61.20% 54.08% NA NA NA NA Quantum India ESG Equity Fund – Regular Plan (Gr) 60.13% 54.08% NA NA NA NA Past performance may or may not be sustained in the future. Data as on of 30th April ,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). Mr. Chirag Mehta manages 5 Schemes and Ms. Sneha Joshi 1 Schemes of the Quantum Mutual Fund. # NIFTY 100 ESG TRI. Period 1 year 3 years 5 years Scheme Returns (%) Benchmark Returns (%) # Scheme Returns (%) Benchmark Returns (%) # Scheme Returns (%) Benchmark Returns (%) # Quantum Equity Fund of Funds – Direct Plan (Gr) 47.42% 53.92% 8.30% 11.46% 12.83% 15.09% Quantum Equity Fund of Funds – Regular Plan (Gr) 47.06% 53.92% 8.09% 11.46% NA NA Past performance may or may not be sustained in the future. Data as on of 30th April ,2021. Load is not taken into consideration in Scheme Return Calculation. #BSE 200 TRI 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. Quantum Equity Fund of Funds Mr. Chirag Mehta is the Fund Manager effective from November 01, 2013. Other Schemes managed by Mr. Chirag Mehta
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  46. 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. 14th May 2021 Mutual fund investments are subject to market risks, read all scheme related documents carefully.
  47. Thank You 47