How do investors achieve financial freedom? How do you establish your financial goals? Understand the benefits of diversification and following an asset allocation strategy. www.Quantumamc.com

1. Financial Planning for Millennials

2. Now let’s understand Savings First..
Saving Before Spending, is the right way of financial planning.
YOUR MONEY CYCLE

3. A Car
What are your financial goals?
Defining your goal is the first step towards planning.
Dream Holiday House
Child’s Education Child’s Marriage Retirement

4. Put a number to it, priorities & give a timeframe
A CAR HOUSE
DREAM
HOLIDAY RETIREMENT
₹6L ₹60L
₹2L ₹2.5Cr.
2 Years
12 Months
CHILD’S
EDUCATION
CHILD’S
MARRIAGE
₹20L ₹30L
15 Years
25 Years
5 Years
25 Years
Short Term Plan Medium Term Plan Long Term Plan
Above number is illustrative purpose only

5. Needs and Investment Options
• Safety of Principal critical
• Minimal volatility as one
may need the money
anytime
• Better Returns, but
capital to be safe
• Little volatility to be
expected
• Returns have to beat
inflation
• Volatility can be blunted
with time
Short Term Needs
1-12 Months
Medium Term Needs
12-60 Months
Long Term Needs
More than 60 Months
• Bank Fixed Deposit
• Bank Recurring Deposit
• Liquid / Money Market
Funds
• Short Term Debt Funds
• Direct Equities
• Equity Diversifies
Mutual Funds
• Real Estate
• EPF & PPF
• Bank Fixed Deposits
• Debt Funds
• Corporate Fixed
Deposits
OBJECTIVE
Options to Consider

6. Investment avenues to achieve your goal
Choose your investments depending on your Age, Risk appetite and Wealth Goals.
In addition to FD there are other investment to consider to achieve your goals
Amount
Volatility
RD/FD/Debt Gold/Gold ETFs Equities/MF Real Estate
Starts at ₹500 Starts at ₹500 Starts at ₹500 Huge Lumpsum Amount
Very Low Volatility Low-Medium Volatility Medium-high Volatility Low Volatility
Taxation Interest Taxable Gain Taxable Gain Tax-free upto ₹1 lakh Gain Taxable
The comparison with Fixed Deposits has been given for the purpose of the general information only and not a recommendation to invest. Investments in 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 Mutual Funds. Investments in Mutual Funds as compared
to Fixed deposit 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

7. • Quarterly compounding and Tax rate on Fixed Deposit assumed to be 30%
• Data as on December 2020.
But consider inflation in your plans
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
Inflation affects your savings and returns. Make sure your goals are aligned to inflation.
Past Performance may or may not sustained in future

8. What is Asset Allocation?
Asset allocation involves dividing an
investment portfolio among different asset
categories like equities, bonds, property,
commodities and cash
Summer Monsoon

9. Benefits of Asset Allocation
Reduced Risk: A properly
allocated portfolio strives to
lower volatility or fluctuation in
returns, by simultaneously
spreading market risk across
several asset class categories
Long term Risk Adjusted
Returns: By Investing in a
variety of asset class you can
improve your chance of
participating in market gains
and lessen the impact of
poorly performing asset class
categories on overall results
A Greater focus on Long–
Term Goals: A properly
allocated portfolio is designed
to alleviate the need to
constantly adjust investment
positions to chase market
trends. It can also help reduce
the urge to buy or sell in
response to short – term
market swings.

10. Importance of right asset allocation
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.
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
Age
35 years
Time to Retire
20 years
Retirement
Corpus Required
Rs. 2.20 Cr.
Mr. A & Mr. B
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.

11. Benefits of Diversification
-60%
-40%
-20%
0%
20%
40%
60%
80%
100%
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
Equity Gold Bonds
Imagine someone holding an all equity portfolio in 2008, or
holding none in the equity rally that followed?
Source: Bloomberg
Data as on December 2020
Past Performance may or may not sustained in future

12. 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
* YTD - Jan to October 2021
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; MCX Gold Commodity Index 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?
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
25%
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%
12
Asset Classes Grow and Contract in Cycles

13. Risk-Return
(2004-2021)
Equity (40) +Debt (40)
+Gold (20)
Equity + Debt** Equity Debt Gold
Avg. Annualized
Returns 11.30% 11.48% 13.37% 7.21% 11.10%
Annualized SD 9.35% 13.44% 22.01% 3.26% 17.29%
VAR -15.43% -22.18% -36.31% -5.38% -28.53%
Maximum Drawdown 0.21 0.36 0.56 0.06 0.25
Sharpe Ratio 0.543 0.391 0.325 0.302 0.282
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
Time frame is November 2004 to September 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 dynamically allocated in 80-20 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
The most diversified strategy with risky equity, stable
debt and gold allocation, yields similar returns with
the lower volatility, compared to a pure equity strategy

15. How Mutual Funds Work?
In a mutual fund, our money is managed by a professional called fund manager.
MUTUAL
FUND

16. Why invest with a Mutual Fund?
Professional Management
Diversification
Return Potential
Low Cost
Liquidity
Transparency
Flexibility
Choice of Schemes
Well Regulated
Tax benefits

17. Your money can do more, with Mutual Funds
2,000 / 2,344 =
0.85 shares
2,000 / 1125 =
1.78 shares
2,000 / 158 =
12.66 shares
2,000 / 241 =
8.30 shares
2,000 / 2,661 =
0.75 share
Investor can invest
in all companies at
once through a
mutual fund.
If you had Rs. 2,000 to invest in Equities which would you pick?
Investor can invest in
one-two companies
at most.
The above information is for illustrative purpose only. The Mutual Fund schemes invest in stocks as per the scheme investment objectives.

18. Young & Carefree Family Responsibilities
PLAY
INVESTMENT
SACRED MONEY
PLAY
INVESTMENT
SACRED MONEY
Phases of our lives

19. 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.

20. Create an Emergency Fund
Keep 6-12 months of expenses in Liquid Fund, Bank Fixed Deposit so that It can be withdrawn immediately.
Unplanned
Expenses
Job Loss
Natural
Calamities
Sudden Loss of
Income
Hospital
Expenses

21. Suggested Fund Allocation
12-80-20 Approach
Emergency Funds equivalent to
12 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.

22. Our Suggested Allocation

23. Equity generally works best in long term
Longer the tenure, better the return As the Markets are cyclic
BULL RUN
Maximum
Risk
Maximum
Opportunity
Euphoria
Suspicion
Optimism
Panic Fear
Depression
BEAR PHASE

24. Start Your Journey with us

25. Our Journey so Far
• Quantum Long Term
Equity Value Fund
completes 10-year
track record
• Quantum Long
Term Equity Value
Fund
• Quantum Liquid
Fund
• Set up Quantum
AMC
• Quantum Gold Fund
• Quantum Nifty ETF
• Quantum Tax Saving
Fund
• Quantum Gold
Savings Fund
• India’s first fully
paperless Online
Investing Platform
• Quantum Equity
Fund of Funds
• “Path to Profit”
Launched
• Quantum Multi
Asset Fund of
Funds
• Quantum Dynamic
Bond Fund
• Transactions through
Email, WhatsApp &
Fax
• Launch of
Regular Plans
• Quantum India
ESG Equity Fund
2005 2006 2008 2009 2011 2012 2015 2016 2017 2019

26. What we offer
Direct to Investor
Focused on low cost
approach.
Simple range of funds
No confusion for
investors
Disciplined Research and
Investment Process
Team-driven, no “star”
fund managers.
Staying the course, no
short cuts
Asset managers, not
asset gatherers.

27. Quantum
Long Term
Equity Value
Fund
01
Mr. Sorbh Gupta
Work experience: 15.9 years. He has been managing this fund Since December1, 2020.
Mr. Nilesh Shetty
Work experience: 16 years. He has been managing this fund Since March 28, 2011.
Value Fund
▪ QLTEVF uses bottom-up stock selection process used to minimize risk.
▪ QLTEVF Follows disciplined research and investment process.
▪ QLTEVF has a low portfolio turnover.
▪ QLTEVF holds cash when stock are overvalued - no derivatives and no hedging.
▪ QLTEVF contains a well-balanced portfolio: typically 25 to 40 stocks, across sector.
Retirement.
Child’s Education.
Child’s Marriage.
Wealth Creation.
Fund
Manager
Category of
Scheme
Features
Useful for

28. Quantum
Equity Fund
of Funds
02
Mr. Chirag Mehta
Work experience: 19 years. He has been managing this fund since November 1, 2013.
Fund of Funds Domestic.
▪ Exposure to congruous and diligent performer from a cluttered equity fund universe of
approximately 500 funds.
▪ The risk of wrong selection of funds is reduced as a basket of the finest schemes is chosen
with the research & expertise of Quantum.
▪ Single manager risk is eliminated as your money is exposed to diverse fund management
styles.
▪ You can gain exposure to a basket of 6-7 diversified equity schemes with a mere 500 rupees.
▪ 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.
Long term capital appreciation.
Fund
Manager
Category of
Scheme
Features
Useful for

29. Quantum
India ESG
Equity Fund
03
Mr. Chirag Mehta
Work experience: 19 years.
Ms. Sneha Joshi
Work experience: 7 years. Both have been managing the fund since July 12, 2019.
Thematic Scheme.
▪ Offers an avenue to invest in businesses adhering to sustainable practices that will drive long
term performance.
▪ Invests based on a comprehensive in-house proprietary research on Environment, Social and
Governance aspects.
▪ Offers a well-diversified exposure to good quality and sustainable companies with relatively
low volatility and downside risk.
Long term capital appreciation.
Fund
Manager
Category of
Scheme
Features
Useful for

30. Quantum
Tax Saving
Fund
04
Mr. Sorbh Gupta
Work experience: 15.9 years. He has been managing this fund Since October 1, 2016.
Equity Linked Saving Scheme.
▪ QTSF optimizes tax saving under Section 80C.
▪ QTSF minimizes risk by pursuing bottom-up stock selection.
▪ QTSF has a lower portfolio turnover.
▪ QTSF holds cash when stocks are overvalued - no derivatives and no hedging.
▪ QTSF follows a value investment strategy.
Long term capital appreciation.
Fund
Manager
Category of
Scheme
Features
Useful for

31. Quantum
Multi Asset
Fund of
Funds
05
Mr. Chirag Mehta
Work experience: 19 years.
Mr. Nilesh Shetty
Work experience: 16 years. Both have been managing this fund since July 11, 2012.
Fund of Funds Domestic.
▪ Diversifies across asset classes - which mitigates risk inherent of a particular asset class and
provides risk adjusted 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”.
▪ Aims at reducing volatility of returns.
Long term capital appreciation and current income.
Fund
Manager
Category of
Scheme
Features
Useful for

32. Quantum
Liquid Fund
06
Mr. Pankaj Pathak
Work experience: 11.6 years. He has been managing this fund since March 01, 2017.
Liquid Fund.
▪ Invested in government securities treasury bills and AAA/A1 rated PSUs
▪ No private corporate credit risks.
▪ 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.
Short term investment and liquidity.
Fund
Manager
Category of
Scheme
Features
Useful for

33. Quantum Gold
Savings Fund
07
Mr. Chirag Mehta
Work experience: 19 years. He has been managing this fund since May 19, 2011.
Ms. Ghazal Jain
Work experience: 4 years. She has been managing this fund since June 2, 2020.
Fund of Funds Domestic.
▪ Helps to diversify your Investments in gold.
▪ Enables investments in gold through SIP or STP of as little as Rs 500/month.
▪ Does not require a demat account as is the case with Gold ETFs.
▪ 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.
For diversification and long-term capital appreciation.
Fund
Manager
Category of
Scheme
Features
Useful for

34. And Investors have reposed their faith on us YoY
528 1,039 1,326
3,664
6,162
11,566
19,405
29,332
32,557
38,606 38,065
44,156
46,246
51,022
53,070
55,123
56,619
-
10,000
20,000
30,000
40,000
50,000
60,000
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 Mar-20 Mar-21 Oct-21
Active Investors
Data as on 31st Oct 2021

35. 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.
15th November 2021
Mutual fund investments are subject to market risks, read all scheme related documents carefully.

36. For additional information, please contact:
Quantum Asset Management Company Private Limited
Hoechst House, 6th Floor,
Nariman Point
Mumbai-400021, India
Sandeep Bhosle
VP- Customer Interaction
Email: SandeepB@QuantumAMC.com
Mobile: +91- 98209-43101
Office :+91-22-6144-7804
Fax :+91-22-2285-4318
Website: www.QuantumAMC.com

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42. Thank You
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