MARS

MUT U AL FUND A U T O M A TED PORTFOLIO RE B AL ANCING S Y STEM.

Returns. Risk / Volatility. WHICH P A R AM E TERS NEED T O BE KEPT IN MIND WHILE M AKING AN INVES T MENT ?.

B ank FD/ RD/ Debt F unds Gold E qui t y (th r ough buying s t ocks or MF).

PARAMETER FIXED DEPOSI T S SMILEY DE B T FUNDS IMPACT Returns R etu r ns in the r ange of 5-6% R etu r n in the r ange of 7-9% Risk/Volatility Low Low S a f ety of C apital Guaranteed Not Gua r a n t ee d , but H igh Liquidity H igh, but subje c t t o P enal cha r ges in cases of p r em a tu r e withdrawals High T ax E fficient H ighest T ax R a t e Indexation benefit f or i n v estme n t mo r e than 3 y ears.

PARAMETER FIXED DEPOSI T S SMILEY DE B T FUNDS IMPACT Returns R etu r ns in the r ange of 5-6% R etu r n in the r ange of 7-9% Risk/Volatility Low Low S a f ety of C apital Guaranteed Not Gua r a n t ee d , but H igh Liquidity H igh, but subje c t t o P enal cha r ges in cases of p r em a tu r e withdrawals High T ax E fficient H ighest T ax R a t e Indexation benefit f or i n v estme n t mo r e than 3 y ears.

PARAMETER GOLD IMPACT Returns E qual t o infl a tion Risk/Volatility Average S a f ety of C apital Average Liquidity H igh, but with c ost T ax E fficient High.

PARAMETER EQUITY IMPACT Returns High Risk/Volatility High S a f ety of C apital No C apital Gua r a nt ee Liquidity High T ax E fficient L T C G 10% only on E qui t y.

SO INVES T MEN T S ARE B ASI C AL L Y A T R ADE OFF B E T WEEN RISK AND R E TURNS.

WH A T IF WE HAD AN OPTION OF G E T TING HIGH R E TURNS WITH L O W RISK?.

T wo Investors Invested Rs 1 L AC. M r . Y I n v est ed in E qui t y & D ebt MF S chemes.

M a r ket we n t up f r om O c t ’13 t o Mar’15. M r . X Period 16/12/13 - 03/03/15 Invested R 1,00,000 Return 54.4% C ur r e n t V alue R 1,54,458/- M r . Y Period 16/12/13 - 03/03/15 Invested R 1,00,000 Return 50.9% C ur r e n t V alue R 1,50,900/-.

M a r ket f ell f or the n e x t y ear. F all In The Market Nifty 500 fall from 7,346 to 5,833.

M a r ket again sta r t ed m o ving f r om F e b ’16.

M r . X Period 16/12/13 - 31/05/21 Invested R 1,00,000 Return 178% C ur r e n t V alue R 2,78,100/-.

RISE L O WER T O M ARK E T BUT F ALL L O WER DURING M ARK E T F ALL.

M r . Y I n v est ed in MUT U AL FUND A U T O M A TED PORTFOLIO RE B A L ANCING S Y STEM MARS.

MUT U AL FUND A U T O M A TED PORTFOLIO RE B AL ANCING S Y STEM.

WH A T IS M ARS? M ARS = Mutual F und A u t om a t ed R ebalancing S ys t em It allocates your money between Equity and Debt based on market valuation and invests in Top Performing Equity MF Schemes The Asset Allocation in MARS is reviewed on a half yearly basis while the scheme rebalancing is done once a year.

H O W W AS M ARS ABLE T O DO THIS ? MARS uses a research model to find out correct allocation to Equity based on current valuations. So if markets are expensive, MARS will allocate less amount to Equity and if ma r kets a r e chea p , the E qui t y A lloc a tion will go up It sounds so easy, but it’s easier said than done!!.

M ARS ASS E T AL L O C A TION TIME LINE. Date E qui t y (%) Debt (%) Ni f t y 500 Sensex PE Ni f t y 500* 16/12/13 80 20 4,756 20,660 18.32 27/05/14 60 40 5,844 24,550 20.74 27/08/14 55 45 6,355 26,560 31.33 03/03/15 40 60 7,346 29,594 25.28 12/02/16 65 35 5,833 22,986 20.02 09/09/16 30 70 7,576 28,797 28.56 01/03/17 50 50 7,755 28,984 26.76 31/08/17 40 60 8,695 31,730 29.63 05/03/18 25 75 9,136 33,747 30.37 07/09/18 25 75 9,875 38,390 34.08 09/04/19 40 60 9,678 38,939 31.26 04/10/19 50 50 9,092 37,673 27.47 13/03/20 70 30 8,163 34,103 25.72 08/04/20 85 15 7,161 29,894 22.31 27/07/20 70 30 9,025 37,935 31.77 20/08/20 50 50 9,369 38,220 36.40 05/10/20 35 65 9,516 38,974 41.39 05/04/21 25 75 12,299 49,159 35.85 03/06/21 45 55 13,381 52,232 31.30.

MONTHLY ASSET ALLOCATION TIMELINE ( ON L Y FOR FRESH PU R CHASES AND T OP UPS).

•emr11'lIlP. H O W DOES M ARS FIT IN INVEST MENT P A R AM E TERS.

IS THERE ON L Y 1 INVEST MENT OPTION IN M ARS ? No, MARS offers Multiple investment options based on risk profile and need of the cus t omers MARS Portfolios are available in 2 types DAA – Dynamic Asset allocation Portfolios (Asset Allocation in these portfolios changes with market valuations) F i x ed A sset A lloc a tion ( T he AA r emains fi x ed).

3 Types of Portfolios are available to chose with Dynamic Asset Allocation Theme Ex- If Asset Allocation in Aggressive Portfolio is 80% in Equity, Equity Allocation in Moderate Portfolio will be 48% and in conservative will be 24%.

MUTUAL FUND AUTOMATED PORTFOLIO REBALANCING SYSTEM.

PERFOR M ANCE OF D AA A GGRESSIVE. P e r f orman c e is as on 31 M a y 21 I n c eption D a t e f or D AA A g g r essi v e is 16 D ec 13 Returns for one year or less period are on an absolute basis and for more than a year period are on CAGR basis Avg. Equity proportion is based on equity proportion of the model portfolio Clients performance may differ from the model portfolio performance. Past Performance may or may not sustain in the future..

P e r f orman c e is as on 31 M a y 21 I n c eption D a t e f or F AA E100 is 16 D ec 13 Inception date for Balanced Portfolio is 11 Sep 17; Inception Date of SIP Aggressive Portfolio is 10 Jan 18 Returns for one year or less period are on an absolute basis and for more than a year period are on CAGR basis Returns of SIP Aggressive Portfolio represents SIP Returns. Clients performance may differ from the model portfolio performance. Past Performance may or may not sustain in the future..

•emr11'lIlP. D AA A GGRESSIVE 1 Y EAR ROLLING 2 Y EAR ROLLING 3 Y EAR ROLLING 5 Y EAR ROLLING NO OF OBSE R V A TIONS 78 66 54 30 A VE R A GE R E TURNS 13.29 11.40 11.30 11.36 OBS. WITH NEG A TIVE R E TURNS 3 1 0 0 M A XIMUM R E TURN 48.90 23.39 21.89 16.48 MINIMUM R E TURN -7.93 -1.27 2.35 6.26.

F AA E100 1 Y EAR ROLLING 2 Y EAR ROLLING 3 Y EAR ROLLING 5 Y EAR ROLLING NO OF OBSE R V A TIONS 78 66 54 30 A VE R A GE R E TURNS 15.15 11.66 11.88 11.70 OBS. WITH NEG A TIVE R E TURNS 15 7 2 0 M A XIMUM R E TURN 71.51 28.93 25.41 18.35 MINIMUM R E TURN -21.62 -9.29 -2.58 3.05.

PORTFOLIO REBALANCING AND SCHEME CHANGE Asset Allocation of Dynamic Portfolios is rebalanced twice in a year in April and October Asset Allocation of Fixed Portfolios is rebalanced once in a year in April S cheme change is done on c e in a y ear in A pri l . I n case a scheme does not qualify for investment as per NJ research, the investment in that scheme is r edeemed and alloc a t ed t o another fund T he e n ti r e i n v estme n t and r ebalancing p r oc ess is au t om a t e d, the clie n t only has t o p r ess a single but t on t o c omple t e his i n v estme n t.

•emr11'lIlP. FREE. CHARGES I ts absolu t ely. T he r e a r e no.

•emr11'lIlP. E qui t y i n v estme n t with much l o w er risk Multiple Portfolios Available as per investor risk profile F ully au t om a t e d, only 1 click r equi red B et t er risk adjus t ed r eturns Money invested in better performing schemes at all times A ll this a t no e x t r a c ost!!.

MUTUAL FUND AUTOMATED PORTFOLIO REBALANCING SYSTEM.