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    An Easy Introduction

    Mutual Fund investments are subject to market risks, read all scheme related

    documents carefully.

    Please refer to page number 28 for detailed Risk Factors.

    Date:- 5th March, 2012

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    MUTUAL FUNDS -AN EASY INTRODUCTION1

    THERE WAS MUCH EXCITEMENT IN THE KUMAR HOUSEHOLD.

    She is still a

    kid Akshay!

    HOW QUICKLY SHE'S

    GROWING UP, DIVYA. WE

    HAVEN'T DONE ANYTHING TO

    SECURE HER FUTURE.

    WHAT ARE YOU

    THINKING ABOUT,

    AKSHAY?

    HMMMMM....

    IT'S PREETI'S

    BIRTHDAY TODAY !

    She was 5 monthsold, when wemoved to this

    Place.

    An Easy Introduction

    She is five Years

    old now. Time

    Flies.

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    MUTUAL FUNDS -AN EASY INTRODUCTION2

    ARE THERE ANY OTHER

    INVESTMENT OPTIONS

    AVAilABLE THAT GIVE

    HIGHER RETURNS?

    LETS START A LIFE

    INSURANCE POLICY IN HER

    NAME. THAT WILL GIVE

    GUARANTEED RETURNS.

    THAT'S JUST NOT

    ENOUGH! I'M THINKING OF

    INVESTING THE MONEY

    SOMEWHERE SO WE GET

    BETTER RETURNS FROM

    OUR SAVINGS.

    SO WHAT DO YOU

    SUGGEST?

    IT'S IMPORTANT,

    DIVYA. WE NEED TO

    DO SOMETHING

    ABOUT IT NOW !

    WE HAVE ALREADY

    OPENED A SAVINGS

    ACCOUNT IN HER NAME.

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    RAHUL AND HIS PARENTS ARE THEIR

    NEIGHBOURS AND GOOD FRIENDS.

    OKAY. LETSSPEAK TO RAHUL

    AND HISPARENTS WHEN

    THEY COME OVERFOR DINNER.

    TONIGHT.

    THAT NIGHTDIVYA TELLS MEYOU WANT TO

    START

    INVESTING FORPREETI.

    MAY BE... BUT WESHOULD AT LEAST

    CHECK ALL THEOPTIONS BEFOREINVESTING OUR

    MONEY.

    BUT WE HAVENT EVEN BEGUNINVESTING!! LETS START

    INVESTING AND THEN WE CANEXPERIMENT.

    MUTUAL FUNDS -AN EASY INTRODUCTION3

    Something likeStocks andShares??

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    THAT'S RIGHT,RAJESH UNCLE... ...BUT WE

    JUST DON'TKNOW

    WHERE TOBEGIN.

    BUT ISN'T THAT TOORISKY? I WAS LOOKINGAT SOMETHING MORESECURE FOR PREETI.

    BUT WITH GOODRETURNS.

    MUTUAL FUNDS, MYDEAR! MUTUAL FUNDS

    IS THE ANSWER.

    IT IS RATHERCONFUSING. INITIALLY IHAD THE EXPERT ADVICEOF MY FATHER TO GUIDEME. AND STARTED WITH

    THE STOCK MARKET.

    MUTUAL FUNDS -AN EASY INTRODUCTION4

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    A Mutual Fund is a smart investmentscheme wherein a fund house collectsmoney in exchange from investors FORUNITS OF THE FUND AND IN TURN INVESTSTHE MONEY SYSTEMATICALLY IN EITHER

    STOCKS OR THE DEBT MARKET ORCOMMODITIES like gold.

    SO IS IT LIKE ACHIT FUND!

    but is it SAFE TOINVEST IN A MUTUALFUND?

    MUTUAL FUNDs?why mutual

    funds??

    NO, NO, DIVYA! MOST FUND HOUSES AREREPUTED FINANCIAL INSTITUTIONS WITH

    QUALIFIED FINANCIAL ANALYSTS ASFUND MANAGERS WHO WILL MANAGE

    YOUR SAVINGS.

    MUTUAL FUNDS -AN EASY INTRODUCTION5

    I believe theyare. I have beeninvesting in them

    for ten yearsnow.

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    THE NEXT DAY-

    PLEASE HAVE ASEAT.

    THESE ARE MY FRIENDS,DIVYA AND AKSHAY.MEET parimaan, THE

    Investment Expert WESPOKE ABOUT.

    MUTUAL FUNDS -AN EASY INTRODUCTION6

    CAN WE SEE HIMTOMORROW

    itself ?

    Hey! I think both ofyou should meet my

    friend who is aninvestment expert.

    Hell answer all yourquestions.

    That soundslike a good

    idea.

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    THAT'S RIGHT.

    PHEW!

    OKAY, LET ME SIMPLIFY THAT.

    LET US ASSUME YOU WANT TO

    SAVE FOR PREETI'S EDUCATION..SAY..TEN YEARS DOWN THE

    LINE. ASSUMING HER COLLEGE

    FEES IS FOUR LAKH TODAY, IT

    COULD WELL DOUBLE.

    SO IN TEN

    YEARS , HER FEES

    COULD BE EIGHT

    LAKHS

    WOW! SO WHAT

    SHOULD WE KEEP

    IN MIND WHENWE INVEST?

    MUTUAL FUNDS -AN EASY INTRODUCTION7

    RAHUL TELLS ME YOU WANT TO

    INVEST FOR YOUR DAUGHTER'S FUTURE.

    THAT'S RIGHT.

    Its good that you have

    recognised that you need to

    invest. IN FACT IF YOU BREAK

    IT DOWN FURTHER FOR HER

    EDUCATION OR HER MARRIAGE

    IT 'LL BE EASIER FOR US TOMAKE THE RIGHT INVESTMENT

    CHOICES.

    But if you start investing

    some amount every month

    in a mutual fund, you can

    easily meet that expense in

    a few years time

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    FIXED

    DEPOSITS

    FIXED

    DEPOSITS

    N.S.C

    YES ! IT ALL DEPENDSON WHAT KIND OFRISK YOU LIKE TO

    TAKE ON YOURINVESTMENTS.

    INVESTMENT PHILOSOPHY

    AND REMEMBER,NEVER PUT ALL YOUR

    EGGS IN ONEBASKET...

    HIGH RISK - HIGH RETURNS MEDIUM RISK - MEDIUMRETURNS

    PPF

    LOW RISK - LOWRETURNS

    ONCE YOU KNOW YOUR INVESTMENT PHILOSoPHY, Theninvest in those areas which reflects your philosophy.

    MUTUAL FUNDS -AN EASY INTRODUCTION8

    THE KIND OF RISKYOU LIKE TO TAKEWHILE INVESTINGDETERMINES YOUR

    INVESTMENTPHILOSoPHY.

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    HMM...SO WHERE DOMUTUAL FUNDS COMEINTO THE PICTURE?

    AH !

    IS THISMAKINGSENSE?

    Mutual funds are versatileinvestment instruments,

    which can suit yourinvestment objectives, butwhile investing you need to

    recognise the inherent riskinvolved in them.

    MUTUAL FUNDS -AN EASY INTRODUCTION9

    YOU NEED TO PUT YOURMONEY IN STOCKS,

    BONDS, GOLD,PROPERTY ETC. IN LINEWITH your INVESTMENT

    PHILOSPHY.

    As an investor in mutual fundsyou need to recognise, which

    category of mutual funds bestsuits your need - be it regularincome, capital appreciation or

    safety of principal.

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    TYPES OF MUTUAL FUNDS BASED ON CATEGORY

    These funds attemptto maintain a balancebetween fixedincome securities and

    equities in apredetermined ratio;

    for example65 (equity):35 (debt).

    DEBT FUNDS EQUITY FUNDS

    The investment focus

    here is on stocks andshares and the fundsaim to grow money

    over a longperiod of time

    (capital appreciation).

    BALANCED FUND

    MUTUAL FUNDS -AN EASY INTRODUCTION10

    These funds invest infixed incomesecurities like

    debentures & bonds,and aim to preservecapital but need notnecessarily provide a

    regular source ofincome to the investor.

    Equity fundsprovide higher

    returns, but

    expose you tohigher risk as well,

    as compared to

    balanced funds

    and debt funds.

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    SO WITH MY

    OBJECTIVES IN MIND,

    I SHOULD PROBABLY

    CHOOSE AN EQUITY

    FUND, RIGHT?

    BUT TELL ME, CAN'T I

    JUST INVEST IN

    STOCKS MYSELF?

    ...STOCK PRICES RISE AND

    CRASH. THEY NEED TO BE

    MONITORED ALL THE TIME.

    WHICH MEANS FOR

    AROUND TEN YEARs, YOU

    SHOULD INVEST

    REGULARLY AND WATCH

    YOUR MONEY GROW.

    OF COURSE YOU

    COULD. BUT STOCK

    MARKETS ARE VERY

    VOLATILE.

    MUTUAL FUNDS -AN EASY INTRODUCTION11

    RIGHT! investment that

    focus on Stocks HAVE

    OUTPERFORMED OTHER

    ASSETS LIKE FIXED DEPOSIT,

    REAL ESTATE, GOLD. ETC

    OVER THE LONG TERM.

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    WHEN YOU INVEST

    IN A MUTUAL

    FUND....

    STOCK ABC STOCK XYZ

    STOCK FMG

    STOCK

    BEST BUY

    STOCK

    DOING WELL

    THIS FUND

    MANAGER HASTO BE VERY

    GOOD.

    ABSOLUTELY!

    .... THERE IS A QUALIFIED and EXPERIENCED FUND MANAGER

    TO MANAGE YOUR MONEY....

    Who invests in well researched and

    diversified stock portfolio.

    THERE WILL BE A LARGE NUMBER OF STOCKS SO THAT YOU CAN BENEFIT FROM

    DIVERSIFICATION.

    MUTUAL FUNDS -AN EASY INTRODUCTION12

    FUNDSPORTFOLIO

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    It is important to

    read and

    understand the

    investment

    objectives very

    carefully, before

    investing in any

    fund.

    HERE TOO THE FUND

    OBJECTIVES MUST BE IN

    LINE WITH OURS; AM I

    RIGHT?

    and That correct!

    YOU ARE HALF-WAY TO

    BECOMING AN EXPERT

    ALREADY!

    WHAT SHOULD A FUNDS OBJECTIVE REVEAL?

    MUTUAL FUNDS -AN EASY INTRODUCTION13

    JUST LIKE YOU HAVE INVESTMENT

    OBJECTIVES, EVERY MUTUAL FUND

    TOO HAS A DISTINCT INVESTMENT

    OBJECTIVE.

    THE KIND OF INVESTMENTS THE FUND WILL MAKE.

    THE FUND MANAGER'S AREA OF OPERATION.

    WHAT KIND OF RETURNS AN INVESTOR CAN EXPECT?

    A CLEARLY DEFINED OBJECTIVE SHOWS THE FUNDS

    COMMITMENT ON ITS PART.

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    NOW THAT WE'VE UNDERSTOOD OUR

    INVESTMENT PHILOSOPHY AND INVESTMENT

    OBJECTIVE, CAN WE START WITH A FUND

    SUITED TO OUR NEEDS?

    SURE!

    BUT FIRST

    YOU SELECT THE FUND

    HOUSE WHICH IS ALSO

    CALLED THE ASSET

    MANAGEMENT

    COMPANY (AMC).

    CAN'T WE JUST SELECT

    THE MUTUAL FUND?

    WELL, IT IS LIKE THISIF YOU WERE CHOOSING A

    GROOM FOR YOUR DAUGHTER, YOU WOULD FIRST

    CHECK THE CREDENTIALS OF THE FAMILY BEFORE

    GETTING THE GROOM TO MEET HER, WOULDN'T YOU?

    MUTUAL FUNDS -AN EASY INTRODUCTION14

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    MUTUAL FUNDS -AN EASY INTRODUCTION15

    THIS PUTS IT IN PERSPECTIVE!

    FUND HOUSE CHECKLIST

    Background: Who are the fund

    sponsors? How reputed are they? Overall Performance ofthe fund house.

    Track Record: Check the

    performance of the other

    mutual funds from the same

    fund house especially those

    managed by the same fund

    manager who's looking after

    the one you are interested in.

    sponsors

    sponsors

    SELECTING A FUND HOUSE

    IS LIKE SELECTING A

    FAMILY. IT HAS TO BE

    CHOSEN WITH CARE .

    CHECK THE FOLLOWING

    WHEN YOU REVIEW AFUND HOUSE.

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    NOW WE CAN CHOOSE THE

    GROOMOOPS, I MEANT

    THE FUND!

    IT IS ALMOST AS RIGOROUS AS

    CHOOSING A GROOM!

    INVESTING IS SERIOUS

    BUSINESS: AFTER ALL IT IS YOUR

    HARD-EARNED MONEY! You

    should take time to research

    and analyse before investing.

    COMING BACK TO THE RIGHT

    mutual fundYOU HAVE

    WON HALF THE BATTLE BY

    IDENTIFYING THE RIGHT

    FUND HOUSE, NOW YOU

    NEED TO CHECK WHICH OF

    ITS funds MATCHES YOUR

    OBJECTIVES.

    I'M GLAD YOU LOOK AT IT

    THAT WAY , AKSHAY. MANY

    PEOPLE TAKE SHORT CUTS

    BY TAKING TIPS FROM HERE

    AND THERE BUT THAT COULD

    PROVE EXPENSIVE, AS ONLY

    YOU KNOW WHAT YOU NEED.

    Each investment demands a

    unique approach and

    mindset. There are different

    schemes catering to

    different objectives and

    the investor must select

    the fund which meets his

    objective.

    MUTUAL FUNDS -AN EASY INTRODUCTION16

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    INVESTMENT

    OBJECTIVE

    Short term investing

    Capital appreciation

    Regular income

    Tax saving

    INVESTMENT

    HORIZON

    1-6 months

    Over 3 years

    Flexible

    3 year lock-in

    IDEAL

    INSTRUMENT

    Liquid/short-term plans

    DiversifiedEquity/Balanced funds

    Monthly incomeplans/Income funds

    Equity Linked SavingsSchemes (ELSS)

    ALSO. THEN YOU NEED TO CHECK IF

    Capital Appreciation

    Regular Income Monthly income plan has declareddividends consistently every month.

    .AND SO ON

    IF YOUR OBJECTIVE IS

    There is a term / concept known as the

    Net Asset Value (NAV) which is a factor

    of the market price of funds assets

    and the number of units issued.

    MUTUAL FUNDS -AN EASY INTRODUCTION17

    The diversified equity fund has postedcapital appreciation over the last 3 yearsafter considering the level of riskundertaken.

    SO HOW DO I

    BUY MUTUAL

    FUNDS?

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    You can see that the funds with the lowestas

    well as highest NAVs have shown maximum

    growth. Therefore it is only the fund, theportfolio and the style of management that

    should be the deciding factors for buying a

    fund and not the NAV.

    Similarly, when fund houses launch NFOs at

    Rs 10 NAV, it does not mean that it is a cheaper buy.

    FUND X's NAV

    Date Asset Value No. of Units NAV

    20 Dec 2010 50,000 5,000 10

    20 April 2011 60,000 5,000 12

    As the value of the assets (equities owned by the fund) goes up, the NAVincreases and vice-versa. NAVs are often compared to share prices but thiscomparison is fundamentally flawed. Here is how:

    Stocks have a book value which depends on the net worth and number of stocksissued. When a stock price rises, it does so due to market sentiment andexpectations. Therefore as soon as stock prices rise, the book value is divorced

    from the market value.

    An NAV is the value of a mutual fund's assets after adjusting fund managementexpenses, marketing expenses, etc. Thus, a higher NAV does not indicate whether a

    fund is expensive; nor does it indicate that it is cheap. It is merely the fair value ofa mutual fund.

    Hence, while selecting a fund, the NAV shouldnt be the only criteria.

    NAV GROWTH

    Schemes NAVs On Growth

    Apr 01, 2010 Dec 01, 2010Invest Well Equity Fund.Secure Growth Cap FundGrow Capital Equity FundBlake Sempleton GrowthFund M 40 ( G)

    23.557.4419.8621.7012.12

    38.9712.0430.2331.5716.56

    65.5%61.8%52.2%

    45.5%36.9%

    MUTUAL FUNDS -AN EASY INTRODUCTION18

    Let me illustrate

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    WHAT DO WE NEED TO

    CHECK ABOUT THE

    STOCK PORTFOLIO?

    You invest in equity funds

    to derive the benefits of

    diversification. Thus you

    need to ensure that the

    fund manager is doing

    that.

    MUTUAL FUNDS -AN EASY INTRODUCTION19

    FUND ASSETS NEED TO BE INVESTED IN DIFFERENT SECTORS. MANY TIMES 20-25%

    ASSETS ARE INVESTED IN A SINGLE SECTOR STOCK. THIS IS NOT A TRULY DIVERSIFIED

    PORTFOLIO.

    In another extreme, the fund might have invested in as many as 100 stocks! This

    again is not diversification, it is fragmentation.

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    I..ER..I'M SORRY! WHERE

    WERE WE?Thats fine! I think

    youve had an

    information overload.

    LET'S GO HAVE SOME

    TEA. THAT'LL

    REFRESH ALL OF US.

    BRILLIANT

    IDEA!

    MUTUAL FUNDS -AN EASY INTRODUCTION20

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    I AM NEVER GOING TO BE ABLE

    TO REMEMBER SO MUCH DATA!

    HOW DO YOU MANAGE?

    BUT I'M SURE READING

    UP WILL HELP.

    DEFINITELY. PICK UP ARTICLEs

    RELATEd TO MUTUAL FUNDS AND READ

    THROUGH. YOU MAY FIND THE TERMS

    UNFAMILIAR at first BUT SOON

    YOU'LL BEGIN understanding THEMVERY WELL AND EVEN CONVERSE

    KNOWLEDGEABLY ABOUT THEM.

    THAT'S NOT entirely

    TRUE!

    MUTUAL FUNDS -AN EASY INTRODUCTION 21

    AND ALL HE EVERREADS about IS

    FINANCE!

    I have been in this field

    for years now; so

    experience does matter!

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    IT WOULD BE GREAT, IFSOMEONE ELSE COULDMANAGE THE SAME FOR

    ME.

    THAT'LL BE SOMUCH SIMPLER.

    he CAN HELP YOU WITHALL THE DATA AND

    GIVE GOOD ADVICE ONTHE SAME.

    THERE'S A SOLUTION FORTHAT TOO. THAT'S WHERE HE,THE INVESTMENT ADVISOR,

    COMEs IN.

    MUTUAL FUNDS -AN EASY INTRODUCTION22

    IT WOULD BE GSOMEONE ELSMANAGE THE S

    ME.

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    MUTUAL FUNDS -AN EASY INTRODUCTION 23

    IS YOUR INVESTMENT ADVISOR QUALIFIED?NISM accredits individuals who are successful in the

    qualifying examination as NISM registered mutual fundadvisors.

    WILL HE PROVIDE INVESTMENT SOLUTIONS?Providing investment solutions is completely different

    from selling investment products. He should offer you theentire range of products from mutual funds to bonds to

    insurance. He should be able to construct a customisedportfolio for you based on your needs and risk profile.

    DOES HE PROVIDE VALUE-ADDED SERVICES?Investments need to be tracked and monitored on a

    regular basis as you have just seen. Yourinvestment advisor should have the necessary

    infrastructure for such tracking and calculationsand he should advise you on managing your

    investments according to market conditions.

    DOES HE PROVIDE OBJECTIVE ADVICE?It is important that an investment advisor put yourinterest before his. His brokerage or commissions

    should never be the driving factor to make him pushyou into any investment.

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    TEA FOR

    EVERYBODY?

    YES!

    Before you decide to

    consult an investment

    advisor, you should also

    learn about investing

    directly in to a mutual

    fund.

    MUTUAL FUNDS -AN EASY INTRODUCTION24

    Direct Investing?

    What do you mean?

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    MUTUAL FUNDS -AN EASY INTRODUCTION25

    Let me explain this to

    you. One point at a

    time.

    When you consult an Investment Advisor thereare certain points you should be aware of, for

    instance, an Investment Advisor will chargeyou a consultation fee. Of course, since he is

    offering you a service, you will need to pay hima fee for his services. Nothing wrong with that!However, he should be completely transparent

    with regards to the fee that he earns. This is toensure that you know WHY your advisor isselling you a fund- because it suits your

    investment needs OR just because he is gettinga higher commission from the AMC.

    And, what about thedirect model ofinvesting? How

    does that work?

    Oh! Thats animportant point to

    remember.

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    MUTUAL FUNDS -AN EASY INTRODUCTION26

    Yes, I was just coming tothat. Through the directinvesting model, you can

    approach an AssetManagement Company

    directly.

    Walk into the AMC towhich you want to

    entrust your savingsand talk to their

    Relationship Managers.

    Your RelationshipManager will help you

    with the completeinvestment processand will be your one

    point of contact for anyquery you have on

    investing goingahead. Simple, isnt it?

    Hmmm Quantum MutualFund. What makes them

    different from theIndustry?

    The direct model sounds

    interesting. Is there anyAMC that exclusively

    offers this platform?

    Yes, there is an AMC whichis Indias 1st and only

    direct to investor mutualfund - Quantum Asset

    Management Company PvtLtd.

    Now, that issomething I will

    be glad toexplain to you.

    One AMC also offers you a complete online

    paperless investment process. This is aconvenient and environmentally friendlyapproach towards investing. Paperlesstransactions save paper. save trees!

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    MUTUAL FUNDS -AN EASY INTRODUCTION 27

    With this ideology in mind, Quantum Mutual Fund was established as Indias 1st and onlydirect-to-investor mutual fund.

    Quantum Mutual Fund started its journey in 2006, and opted to walk a

    road different from the rest. With the investor as their primary focus,

    and the investors benefit as their only priority, Quantum Mutual Fund

    reused to adhere to the commission paying style of promoting its

    funds. Quantum does not want their funds to be sold to investors; they

    rather have them buy into their products. The non-commission stance

    was not because they had anything against distributors; but the

    opposition was to the opaque practices of distribution.

    No Star Fund Manager: Quantum Mutual Fund believes in a team approach.They follow a process for selecting or avoiding stocks, and as such the conceptof Star Fund Managers does not appeal to them. Their fund managers work

    along with their research team to ensure that come what may your portfolio isnever compromised.

    Low Cost: The chief benefit of investing with a direct-to-investormutual fund is lowered costs since you, as an investor, save ondistribution expenses. They have also added to your costsavings by endeavoring to offer you one of the lowest expenseratios in the industry. They are a low cost fund that works toadd value to your investments.

    Long Term Approach: Quantum believes that investing is actually aboutwatching your hard earned savings grow into wealth over the long term.Their research methodology and investment approach reflect this longterm vision in practice.

    Simple Products: Quantum doesnt understand the New Fund Offerfrenzy; that is the reason why they have launched only 7 basic funds tilldate. Their product portfolio aims to help you spread your investmentsacross asset classes, viz Equity, Debt and Gold. Sectoral and Thematicfunds make very little sense to them, and as such they have stayed awayfrom launching such products.

    Disciplined Process: They believe in a disciplined investment process and

    buy into companies with respected managements and high corporateethics.Transparency in Functioning: Quantum Mutual Fund is built on the trustof their investors. And hence, they work towards retaining this faith byensuring transparency in their communication and workings with theirinvestors.

    QUANTUM MUTUAL FUND IS DIRECTED BY A SET OF VALUES THATTHEY TREASURE AS THE QUANTUM PHILOSOPHY.

    REACH QUANTUM AT

    1800 209 38639243 223 863

    SMS PARIMAAN TO

    1800 209 3863

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    So, you see the choice is all yours-

    either choose to invest directly or

    select an advisor who gives you

    unbiased and honest advice.

    However, always remember to make

    your decision based on your

    financial needs and appetite for

    risk. After all, selecting a fundmanager is like selecting a spouse.

    Yes, and we surelywant an ideal

    match!

    ha...ha...well said!

    Risk Factors:All Mutual Funds and securities investments are subject to market risks and there can be no assurance

    Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

    that the schemes objective will be achieved and the NAV of the scheme may go up or down depending upon the

    rate of return. Investment in mutual fund units involves investment risks 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 (AMC). The Sponsor, Trustee and Investment Manager are incorporated under the Companies Act, 1956.

    The views expressed here in this booklet constitute only the opinions and do not constitute any guidelines or

    recommendation on any course of action to be followed by the reader. The data / information / opinions are meant for

    general reading purposes only and are not meant to serve as a professional guide / investment advice for the readers. This

    booklet has been prepared on the basis of publicly available information, internally developed data and other sources

    care has been taken to endeavor that the facts are accurate and opinions given are fair and reasonable as on date. The data

    units of the mutual fund. Readers are advised to seek independent professional advice and arrive at an informed investment

    decision before making any investments. Neither of The Sponsor, nor The Investment Manager, nor The Trustee, nor their

    information / opinions contained in this booklet.

    STATUORY DETAILS, DISCLAIMERS AND RISK FACTORS:

    MUTUAL FUNDS -AN EASY INTRODUCTION28

    "This comic guide is authored by PersonalFN, a service brand of Quantum Information Services Pvt. Ltd., which has over 10 years

    of expertise in researching Mutual Funds and also provides unbiased views on Mutual funds, Insurance, Gold and Fixed Income

    instruments in India. PersonalFN has also been powering research services or Quantum Equity Fund of Funds, a product of

    Quantum Mutual Fund."

    Date:- 5th March, 2012