The document describes an ideal portfolio for a 15 lakh investment. It allocates 70% to equity, 10% to gold, 10% to debt, and 10% to cash. The equity allocation is further divided with 70% in large caps and 30% in mid caps. Specific stocks are recommended across sectors like resources, financial services, retail, automobiles, and pharmaceuticals to construct a diversified equity portfolio.

1. I
ag le
nvest
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Complex, Bandra (E), Mumbai - 51 1

2. IDEAL PORTFOLIO
 Name –
 Age –
 Investment – 15 Lakh
Level 1, Trade Centre, Bandra Kurla
Complex, Bandra (E), Mumbai - 51 2

3. agiLe Break Up
agiLe Break Up
10
10
10 Equity
Gold
70 Debt
Cash
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Complex, Bandra (E), Mumbai - 51 3

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
company's 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. 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. Sector Stocks Reason
Pharmaceutic Biocon Pharmaceutical Market size of US 6.3 billion in 2005
al & 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 increased
Construction 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 BUY
NBFC 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 thereafter
Oil & 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 RIL
IT - 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
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7. EQUITY PORTFOLIO
BREAK 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. EQUITY PORTFOLIO
HOLDING
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
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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
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Complex, Bandra (E), Mumbai - 51 9

10. PORTFOLIO SECTOR
ALLOCATION
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. 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
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Complex, Bandra (E), Mumbai - 51 11

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%
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Complex, Bandra (E), Mumbai - 51 12

13. CURRENT EQUITY
PORTFOLIO 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
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Complex, Bandra (E), Mumbai - 51 13

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
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Complex, Bandra (E), Mumbai - 51 14

15. NON CONVERTIBLE
DEBENTURE (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. DEBT MODEL
SHRIRAM TRANSPORT FINANCE COMPANY
 Part of „SHRIRAM‟ Conglomerate
 Shriram Transport Finance Company Limited is India's 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. DEBENTURE PORTFOLIO
HOLDING
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)
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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
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Complex, Bandra (E), Mumbai - 51 18

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. GOLD PORTFOLIO
HOLDING
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
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Complex, Bandra (E), Mumbai - 51 20

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%
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Complex, Bandra (E), Mumbai - 51 21

22. Contact Us –
Level 1, Trade Centre,
Bandra – Kurla Complex,
Bandra (E), Mumbai – 51
Shop No – 5, Prakash Kunj Building
VN Purav Marg, Chembur (E), Mumbai – 71
www.craftwealth.com
Dhanaji Dabade - +91 9321110767
Dhanaji.dabade@craftwealth.com
22

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Complex, Bandra (E), Mumbai - 51 23