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Iag le   nvest           Level 1, Trade Centre, Bandra Kurla           Complex, Bandra (E), Mumbai - 51      1
IDEAL PORTFOLIO        Name –        Age –        Investment – 15 Lakh                                Level 1, Trade Ce...
agiLe Break Up                  agiLe Break Up                 10            10       10                                  ...
EQUITY  EQUITY - Equity investors are essentially owners and have a right to gain    future profits. Returns from these sh...
EQUITY MODEL   Sector             Stocks             Reason   Resources          Coal India         World‟s Largest Coal R...
Sector          Stocks       ReasonPharmaceutic    Biocon       Pharmaceutical Market size of US 6.3 billion in 2005al & D...
EQUITY PORTFOLIOBREAK UP     Equity Portfolio Break Up           Allocation%     Large Cap                                ...
EQUITY PORTFOLIOHOLDING    Company Name                     Net Asset(%)             Value(Rs)    Coal India Ltd.         ...
Equity Portfolio Holding                                                  Coal India             10    10                 ...
PORTFOLIO SECTORALLOCATION    Industry                     Net Asset(%)             Value(Rs)    Retailing                ...
Portfolio Sector Allocation                                                Retailing            10    10                  ...
RETURNS(as on Oct 5, 2011)                                       Current Allocation   6                 Scheme Name       ...
CURRENT EQUITYPORTFOLIO ANALYSIS(as on Oct 05,2011)                         Ratio Analysis               Portfolio        ...
OUR STRATEGY       Indian economy is largely depended on domestic consumption.       Equity Model Portfolio is also larg...
NON CONVERTIBLEDEBENTURE (DEBT)      A Non Convertible Debenture (NCD in short) is a low to moderate       risk debt inst...
DEBT MODEL             SHRIRAM TRANSPORT FINANCE COMPANY       Part of „SHRIRAM‟ Conglomerate       Shriram Transport Fi...
DEBENTURE PORTFOLIOHOLDING    Company Name                 Net Asset(%)             Value(Rs)    Shriram Transport Finance...
RETURN (as on Oct 5, 2011)                                 Current Allocation   6             Scheme Name                 ...
GOLD          GOLD - Gold, the first metal used by humans, remains one of the           most valued metals since prehisto...
GOLD PORTFOLIOHOLDING    Company Name                Net Asset(%)              Value(Rs)    Benchmark Mutual Fund –    Gol...
RETURNS(as on Oct 05, 2011)                               Current Allocation   6          Scheme Name                     ...
Contact Us –Level 1, Trade Centre,Bandra – Kurla Complex,Bandra (E), Mumbai – 51Shop No – 5, Prakash Kunj BuildingVN Purav...
Level 1, Trade Centre, Bandra KurlaComplex, Bandra (E), Mumbai - 51      23
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Agile Investment

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Agile Investment

  1. 1. Iag le nvest Level 1, Trade Centre, Bandra Kurla Complex, Bandra (E), Mumbai - 51 1
  2. 2. IDEAL PORTFOLIO  Name –  Age –  Investment – 15 Lakh Level 1, Trade Centre, Bandra Kurla Complex, Bandra (E), Mumbai - 51 2
  3. 3. agiLe Break Up agiLe Break Up 10 10 10 Equity Gold 70 Debt Cash Level 1, Trade Centre, Bandra Kurla Complex, Bandra (E), Mumbai - 51 3
  4. 4. EQUITY EQUITY - Equity investors are essentially owners and have a right to gain future profits. Returns from these shares depend on external factors like market conditions, political scenario, etc. and also internal factors like the companys performance, change in management structure, etc. Stocks or equities, as an investment vehicle may be risky as the stock market can be highly volatile. Gains can be enormous, so can be the losses. Equity is best for long-term investing as gains and losses get averaged out due to market conditions. This asset class is known to give the highest rate of return over time and also giving investors the benefit of liquidity. Equity based investments are essential to achieve major investment objectives as they offer the potential for growth and generally outrun inflation, providing investors with much-needed ”implicit return”. However, dealing solely with equity can be highly volatile and more risky. Sensex has risen from 2600 points in 1998 to 16080 on October 05, 2011 almost a rise of 620%% and in the same time Nifty has given a return of Level 1, Trade Centre, Bandra Kurla 600% Complex, Bandra (E), Mumbai - 51 4
  5. 5. EQUITY MODEL Sector Stocks Reason Resources Coal India World‟s Largest Coal Reserve Holder. Coal India is the primary beneficiary of the structural deficit of coal in India Financial Axis Bank Banking revenue set to grow 5.3X to `10.6 Services Lakh Crores, Axis is front runner to capture this opportunity Organized Retail Pantaloon Retail Organized Retail to grow 6.3X to `6.3 Lakh Crores, FDI in retail to bring in global biggies, Pantaloon Retail is the biggest beneficiary Automobiles M&M Automobile market forecast to grow ~5X to `4.3 Lakh Crores & it has a strong presence in rural area to catch the rural growth Domestic ITC Cigarettes business to remain robust, FMCG Consumption the trump card, classic domestic consumption bet Level 1, Trade Centre, Bandra Kurla Complex, Bandra (E), Mumbai - 51 5
  6. 6. Sector Stocks ReasonPharmaceutic Biocon Pharmaceutical Market size of US 6.3 billion in 2005al & Drugs will grow up to US$ 20 billion by 2015 which implies a CAGR of 12.3% and Biocon is sure to take a big pie.Engineering - Larsen & Government in its proposed budget this year increasedConstruction Turbo spending in infrastructure sector by 23% up to ` 2,14,000 Crores and also gave importance to PPP project development which makes Larsen & Turbo a sure BUYNBFC IDFC India‟s Infrastructure lending is poised to grow from US$ 10 billion to US$ 12 billion between 2010 – 2014 and up to US$ 25 billion thereafterOil & Gas Reliance Oil & Gas consumption of a country increases with rise Industries in its GDP and India with its constant economic growth Limited is sure to add value to RILIT - Software Tata The engineering services outsourcing (ESO) market, Consultanc which is estimated to grow at $40 billion by 2020 from y Services the current level of $2.5 billion to $3 billion, presents huge potential for domestic IT companies especially for TCS Level 1, Trade Centre, Bandra Kurla Complex, Bandra (E), Mumbai - 51 6
  7. 7. EQUITY PORTFOLIOBREAK UP Equity Portfolio Break Up Allocation% Large Cap 70.0% Mid Cap 30.0% 80.0% Large Cap, 70.0% 70.0% 60.0% 50.0% 40.0% Mid Cap, 30.0% 30.0% 20.0% 10.0% 0.0% Large Cap Mid Cap Level 1, Trade Centre, Bandra Kurla Complex, Bandra (E), Mumbai - 51 7
  8. 8. EQUITY PORTFOLIOHOLDING Company Name Net Asset(%) Value(Rs) Coal India Ltd. 10.0% 105000.0 Infrastructure Development 10.0% 105000.0 Finance Company Ltd. Tata Consultancy Services Ltd. 10.0% 105000.0 Biocon Ltd. 10.0% 105000.0 Axis Bank Ltd. 10.0% 105000.0 Pantaloon Retail (India) Ltd 10.0% 105000.0 ITC Ltd. 10.0% 105000.0 Mahindra & Mahindra Ltd. 10.0% 105000.0 Larsen & Toubro Ltd. 10.0% 105000.0 Reliance Industries Ltd. 10.0% 105000.0 Total 100.0% 1050000.0 Level 1, Trade Centre, Bandra Kurla Complex, Bandra (E), Mumbai - 51 8
  9. 9. Equity Portfolio Holding Coal India 10 10 ITC 10 10 Mahindra & Mahindra Biocon 10 10 Tata Consultancy Services 10 10 Pantaloon Retail 10 10 Axis Bank IDFC Larsen & Turbo Reliance Industries Limited Level 1, Trade Centre, Bandra Kurla Complex, Bandra (E), Mumbai - 51 9
  10. 10. PORTFOLIO SECTORALLOCATION Industry Net Asset(%) Value(Rs) Retailing 10.0% 105000.0 Refineries 10.0% 105000.0 Pharmaceuticals & Drugs 10.0% 105000.0 Mining & Minerals 10.0% 105000.0 IT - Software 10.0% 105000.0 Finance Term Lending 10.0% 105000.0 Engineering - Construction 10.0% 105000.0 Cigarettes/Tobacco 10.0% 105000.0 Bank - Private 10.0% 105000.0 Automobiles-Tractors 10.0% 105000.0 Total 100.0% 1050000.0 Level 1, Trade Centre, Bandra Kurla Complex, Bandra (E), Mumbai - 51 10
  11. 11. Portfolio Sector Allocation Retailing 10 10 Refineries 10 10 Pharmaceutical & Drugs Mining & Minerals 10 10 IT - Software 10 10 Finance Term Lending 10 10 Engineering - Construction Cigarettes/ Tobacco Bank - Private Automobiles - Tractor Level 1, Trade Centre, Bandra Kurla Complex, Bandra (E), Mumbai - 51 11
  12. 12. RETURNS(as on Oct 5, 2011) Current Allocation 6 Scheme Name 1 Year 2 Year 3 Year 5 Year Value % Months Axis Bank Ltd. 105,000 10.00% -29.69 -36.99 -0.89 12.12 21.09 Biocon Ltd. 105,000 10.00% -5.35 -7.86 13.27 25.74 12.38 Coal India Ltd. 105,000 10.00% -3.12 0.00 0.00 0.00 0.00 Infrastructure Development 105,000 10.00% -31.69 -47.11 -15.85 15.77 10.48 Finance Company Ltd. ITC Ltd. 105,000 10.00% 6.62 8.95 29.36 26.93 15.69 Larsen & Toubro Ltd. 105,000 10.00% -20.15 -37.19 -11.00 4.40 16.05 Mahindra & Mahindra Ltd. 105,000 10.00% 13.98 13.43 34.66 46.47 18.77 Pantaloon Retail (India) Ltd 105,000 10.00% -29.71 -62.30 -24.41 -6.65 -10.91 Reliance Industries Ltd. 105,000 10.00% -23.87 -21.69 -14.74 -3.62 6.30 Tata Consultancy Services Ltd. 105,000 10.00% -11.50 8.73 28.44 47.04 15.52 Total 1,050,000 100.00% Level 1, Trade Centre, Bandra Kurla Complex, Bandra (E), Mumbai - 51 12
  13. 13. CURRENT EQUITYPORTFOLIO ANALYSIS(as on Oct 05,2011) Ratio Analysis Portfolio Beta 1.05 Standard Deviation 4.60 P/E Ratio 21.50 P/B Ratio 4.58 Level 1, Trade Centre, Bandra Kurla Complex, Bandra (E), Mumbai - 51 13
  14. 14. OUR STRATEGY  Indian economy is largely depended on domestic consumption.  Equity Model Portfolio is also largely concentrated on Indian Consumption except for TCS and RIL and therefore have negligible impact of any economic slowdown in US and Europe and with rise in income of Indian public and rising consumption level Indian economy is looking very optimistic.  The overall Indian market is set to quadruple over the next one and half decades, as expected, growth will not be even across consumption categories, leading to significant changes in the “share of wallet” of various spending. The Indian consumption pattern are evolving rapidly and will continue to do so in the coming decades. Most importantly as seen in other economies during periods of income growth , the share of necessities will fall and share of discretionary spending is estimated to rise to 70% of total spending in 2025 from 52% in 2005 Level 1, Trade Centre, Bandra Kurla Complex, Bandra (E), Mumbai - 51 14
  15. 15. NON CONVERTIBLEDEBENTURE (DEBT)  A Non Convertible Debenture (NCD in short) is a low to moderate risk debt instrument issued by companies, for a fixed maturity period at a fixed rate of interest. NCDs cannot be converted into equity. ADVANTAGES  Issuance and trading: NCDs are issued and traded in demat form.  Returns: NCDs are ideal for conservative investors who seek higher returns but are risk averse. Returns are generally in the range of 11 to 12%, depending upon the company.  Safety: NCDs are relatively safer than company FDs. They possess low to moderate amounts of risk depending upon the company. NCDs could be secured or unsecured.  Liquidity: Investors could liquidate NCDs by either selling it on the stock exchange or by exercising the Call or Put Option.  Tax Implication: There is no Tax Deducted at Source (TDS) on NCD investments. However for NRI investors, there is a TDS deduction. The interest income of an NCD is taxed at normal rates and is included under Income from other sources Level 1, Trade Centre, Bandra Kurla Complex, Bandra (E), Mumbai - 51 15
  16. 16. DEBT MODEL SHRIRAM TRANSPORT FINANCE COMPANY  Part of „SHRIRAM‟ Conglomerate  Shriram Transport Finance Company Limited is Indias largest player in commercial vehicle finance  Established in the year 1979  The company has a network of 488 branches and service centers.  It is one of the largest asset financing NBFCs in India with a niche presence in financing pre-owned trucks and Small Truck Owners (STOs). Level 1, Trade Centre, Bandra Kurla Complex, Bandra (E), Mumbai - 51 16
  17. 17. DEBENTURE PORTFOLIOHOLDING Company Name Net Asset(%) Value(Rs) Shriram Transport Finance Co 100.0%150000 Ltd. (NCDs) - STF NCD3 OT Total 100.0%150000 Shriram Transport Finance Co Ltd. 100 (NCDs) Level 1, Trade Centre, Bandra Kurla Complex, Bandra (E), Mumbai - 51 17
  18. 18. RETURN (as on Oct 5, 2011) Current Allocation 6 Scheme Name 1 Year 2 Year 3 Year 5 Year Value % Months Shriram Transport Finance Co Ltd. (NCDs) - STF NCD3 150,000 100.00% 0.00 0.00 0.00 0.00 0.00 OT Total 150,000 100.00% Since the listing was recently historic data is unavailable Level 1, Trade Centre, Bandra Kurla Complex, Bandra (E), Mumbai - 51 18
  19. 19. GOLD  GOLD - Gold, the first metal used by humans, remains one of the most valued metals since prehistoric times. Gold has long been considered one of the most precious metals, and its value has been used as the standard for many currencies (known as the gold standard) in history. Gold has been used as a symbol for purity, value, royalty, and particularly roles that combine these properties.  On the surge of economic slowdown the demand for gold has almost doubled in China increasing the price further.  Gold is a popular hedge against stock market and dollar decline Level 1, Trade Centre, Bandra Kurla Complex, Bandra (E), Mumbai - 51 19
  20. 20. GOLD PORTFOLIOHOLDING Company Name Net Asset(%) Value(Rs) Benchmark Mutual Fund – Gold Benchmark Exchange 100.0%150000 Traded Scheme (Gold BeES) Total 100.0%150000 Benchmark Mutual Fund - Gold Benchmark Exchange Traded Scheme (Gold) 100 Level 1, Trade Centre, Bandra Kurla Complex, Bandra (E), Mumbai - 51 20
  21. 21. RETURNS(as on Oct 05, 2011) Current Allocation 6 Scheme Name 1 Year 2 Year 3 Year 5 Year Value % Months Benchmark Mutual Fund – Gold Benchmark 150,000 100.00% 27.22 37.27 28.70 0.00 0.00 Exchange Traded Scheme (Gold BeES) Total 150,000 100.00% Level 1, Trade Centre, Bandra Kurla Complex, Bandra (E), Mumbai - 51 21
  22. 22. Contact Us –Level 1, Trade Centre,Bandra – Kurla Complex,Bandra (E), Mumbai – 51Shop No – 5, Prakash Kunj BuildingVN Purav Marg, Chembur (E), Mumbai – 71www.craftwealth.comDhanaji Dabade - +91 9321110767Dhanaji.dabade@craftwealth.com 22
  23. 23. Level 1, Trade Centre, Bandra KurlaComplex, Bandra (E), Mumbai - 51 23

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