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1. WELCOME TO OUR
INAUGRAL ISSUE
WE THANK ALL OUR
INVESTORS-----
----- for trusting us and believing in us
throughout our journey for the last 15 years.
This immense trust and belief from our
investors have fueled us to improve our
services and render the best of the best
services to our investors. We believe that
this constant trust and belief from our
clients will enrich us and make us more
committed towards the betterment of our
clients. Our clients have always been our
top priority and our motto is to give the
best service and support to our clients. We
are exploring new possibilities, new
methods of communication, new technology
and are implementing new methods to
reach our clients more widely and
frequently now with the help of technology.
We are starting with our newsletters which
are monthly updates for our investors.
e
IN THIS ISSUE :
INVESTMENT GYAN
CASE STORY
ASSET ALLOCATION
INSURANCE WATCH
Q & A
1 .
2 .
3 .
4 .
5 .
INTOUCH
SEPTEMBER 2020: ISSUE 109
M o n t h l y N e w s l e t t e r b y S e e m a n A d v i s o r s - R e d e f i n i n g P e r s o n a l F i n a n c e
Ashis Kr Dey , MD, Seeman Advisors

2. W e h o p e t h a t o u r n e w e n d e a v o u r w i l l h e l p o u r i n v e s t o r s l e a r n a n d g a t h e r
m o r e k n o w l e d g e a n d w i l l b e a p r o d u c t i v e t o o l f o r f u t u r e i n v e s t o r s a s
w e l l .
W a t c h o u r n e w f a c e a t h t t p s : / / s e e m a n a d v i s o r s . c o m a n d g i v e u s y o u r
f r a n k f e e d b a c k . B o o k o u r s p e c i a l m o t i v a t i n g & c o u n s e l l i n g s e s s i o n s t o
s t r e n g t h e n y o u r i n v e s t m e n t p o r t f o l i o & f i n a n c i a l G o a l s
Team Seeman Advisors-
Dedicated for the betterment of your personal finance
Sukanta
Sudit Bhattacharjee Sumona
Mukherjee
Sanchita Mitra Sandip Paul
Kamlesh Kumar
Mishra
Anup Das

3. CHAPTER 1
I N V E S T M E N T G Y A N
India's major indices - NIFTY , which consist
of 50 large companies, has recovered
phenomenally in last 6 months . It recovered
from its low of 7,610 on 23rd March 20 to
11,449 on 10th Sept '20. Contrary to this, our
GDP has contracted by 23.9% during the
single quarter. What should be the inference
of these numbers ? Should we look at profit
booking from our portfolio equity or should
go for additional investments ?
The Gross Domestic
Product, or GDP,
contracted by 23.9%
during the last quarter.
But the stock market has
been on a different
trajectory leaving many
The high correlation between India’s GDP
and stock market performance existed
many years ago. But over the last 18 years,
the correlation has been steadily coming
off. In the last 6-7 years, the correlation is
almost statistically negligible, says Somnath
Mukherjee, managing partner and chief
investment officer at ASK Investment
Managers
In past few years, India’s networked economy like- highways, cheap flights, broadband,
GST etc has allowed large, efficient firms to use superior technology and better access to
capital to squash smaller competitors. As a matter of fact we have witnessed that Top 20
business houses in India contributes to more than 70% of the country's profit. Deep drilling
of these companies will tell you that almost all these companies exists in NIFTY & SENSEX.
And this is the reason that NIFTY and SENSEX is showing continuous rise despite the
slagness in profits of other companies.

4. Falling GDP number is
not the key concern
for Equity investors,
currently. A SMART
investor should grab
the SMART companies.
So what does it mean ?
This means that falling GDP is not a single
indicator to decide your Equity allocation
or investment timing. At one place where
COVID has affected the general business
sales & consumptions, on the other hand it
has given way to faster growth for smarter
companies. These SMARTER companies
have gone fully digital to cut down the cost
of team and client management;
companies are saving a lot on rental
premises and unproductive office spaces.
Most of these companies have adopted the
WFH ( Work from home ) culture efficiently
and are saving big on fuel & conveyance
A SMART investor need to ensure that
his/her equity portfolio consist of such
SMART companies
It is the time to get a proper portfolio check ! Make sure that you are invested into right
fund with right composition. You should also look at adding the Index ETF or Passive funds
to get advantage of these Top 20 companies.
Most advisors believe that investor's should stick to their equity exposure according to
their Risk Profile and not worry about the economy. The worst is not yet over, but a
focussed approach will certainly help you achieve your Financial Goals.
Watch the table below to see the top asset classes sorted on 1 year basis - just to give
you a glimpse how Equity is showing no sign of fear !

5. This is a true story of Dhruv & Nisha ( names changed for privacy matter), who are a proud
parent of Drishti 19 Yrs , pursuing her Bachelors Degree in Kolkatta. Dhruv & Nisha both are
working and has been investing through us since last 15 years
I still remember, when they approached me for investing their monthly savings towards the
education fund for Drishti, in the year 2010. Playing my role as a Goal Estimator, I asked them
their requirements . I asked them following questions :
1. Are you clear about the future education plan of Drishti ? I mean, do you have any plans
for her abroad education ?
2. How much money would you require( assuming Drishti is of 18 Yrs today ) ? Do you need a
lumpsum amount or a regular cash flow to sustain her education expenses ?
ANSWERS PROVIDED BY THE PARENTS :
They were very clear that they had no plan for abroad
education as Drishti was their only child. As per their fund
requirements, they were willing to achieve a regular cash
flow stream for Drishti when she would attain the age of 19
yrs. As per their estimate they desired for a monthly Income
of approximately Rs 10000 per month from the year 2020.
The parents were ready to allocate Rs 10000 per month for
this purpose
CHAPTER 2
C A S E S T O R Y
Real story of Dhruv & Nisha who started their
savings habit with proper allocation of Goals
CONTD..

6. INVESTMENT SOLUTION PROVIDED BY US :
Since both Dhruv and Nisha were a working parent and
young , the calculation put them in an ‘Aggressive
Investor category’ . Hence we decided to provide them an
investment plan which could grow to a level so as to give
them a fixed cash flow of Rs
10000 per month !
They invested in a Value Fund called – ICICI Prudential
Discovery Fund through a monthly SIP of Rs 10000 per
month , starting from 13th Sept 2010. Let
us see the actual growth of their Capital as on date :
CONTD..

7. This month onwards, Dhruv & Nisha is going to stop this SIP and switch all their proceeds in a
less riskier and a dynamic asset allocation fund – ICICI Prudential Balanced Advantage Fund.
Further , they have opted for a monthly withdrawal of Rs 700 per lac per month i.e @8.4% per
annum. So on the total capital of Rs 22 lacs they will be now getting Rs 15,400 per month (
much more than what they desired)
We at Seemanadvisors is happy to share this story of disciplined savings and SMARTER
investments by this young couple. Today Drishti is pursuing her career a Kolkatta and living
with her parents; parents are happy that they are free from any financial burden due to
Drishti’s higher education. Drishti can now use the capital anytime, when she gets to the job or
when she gets married or when she wish to acquire any asset later in her age.
We salute to this SMART parent for their patience and discipline to run their SIP.
Note : The fund performance shown in the story are real and used for the presentation
purpose only. There is no guarantee that the past performance will be repeated in
future also. We do not directly or indirectly recommend any scheme through this story
but want our readers to get inspired through the actual numbers. You are advised to
talk to us for suitability match, before going for any particular investments
C o n t a c t u s a t :
growth@seemanadvisors.com o r
c a l l a t 9433457496 t o s e t a n
a p p o i n t m e n t f o r o u r I n v e s t m e n t
c o u n s e l l i n g s e r v i c e s - i t s f r e e !
D i s c l o s u r e s : W e a r e r e g i s t e r e d
d i s t r i b u t o r o f v a r i o u s M u t u a l F u n d
a n d I n s u r a n c e p r o d u c t s . W e d o n o t
c h a r g e a n y f e e s f r o m o u r c u s t o m e r s ,
b u t e a r n o u r c o m m i s s i o n s t h r o u g h
s e l l i n g t h e s e p r o d u c t s . C u s t o m e r s
c a n c h e c k a l l o u r f u n d d i s t r i b u t i o n
c o m p e n s a t i o n a t t h e t i m e o f
e x e c u t i o n s

8. You must assess your Risk appetite
based upon some simple questionnaires
provided by experts like us . Basically,
such questions should address your
future cash flow requirements as well as
your income level. Generally we
categorise every customer in terms of
Low Risk appetite , Moderate Risk
appetite, High Risk Appetite and Very
High Risk appetite.
You must capture all your financial
Goals on a paper, like Kids education,
Post Retirement plans and others. You
can record such Goals digitally for easy
access in future. Then you should use
any Future Value calculator to estimate
your investment requirements for every
Goal. Do try the free Goal estimator at
https://seemanadvisors.com
What Is Asset Allocation ?
Asset allocation is an investment
strategy that aims to balance risk and
reward by apportioning a portfolio's assets
according to an individual's goals, risk
tolerance, and investment horizon. The five
main asset classes - equities, fixed-income,
, cash and equivalents, Gold and Real
Estate - have different levels of risk and
return, so each will behave differently over
time.
As a SMART investor you need to take
following steps before creating your right
mix of asset allocation :
1.
2.
Achieving Asset Allocation
Through Life-cycle Funds
Asset-allocation mutual
funds, also known as life-
cycle funds, are an attempt
to provide investors with
portfolio structures that
address an investor's age,
risk appetite, and investment
objectives with an
appropriate apportionment of
asset classes.
CHAPTER 3
A S S E T A L L O C A T I O N
Financial freedom is the key objective of every
investor. One should know the exact reason for
their savings and must learn about investing
such savings into right mix of Assets
When it comes to allocating Assets, you should
understand the Risk involved in various Asset
Classes, and also focus upon the Safety as well
as the Liquidity features of those assets. We
call it a : SLR ( Safety , Liquidity & Returns)
approach.
We at SEEMANADVISORS have made an
automated Asset Allocation tool, based upon
your defined Risk Category.
As a part of our services, we conduct the Risk
review process at regular intervals and help you
in rebalancing the Assets, if required

9. Type of Term Policies
There are various types of term insurance
policies available. Many policies offer
level premiums for the duration of the
policy, such as 10, 20, or 30 years. These
are often referred to as "level term"
policies. A premium is a specific cost,
which is typically annually, that insurance
companies charge policyholders to provide
the benefits that come with the insurance
policy
Recently, some top insurance companies
have started providing the Term policies
with validity of 99 yrs also. Under such
policy , the claim becomes almost a
guaranteed legacy for the next generation
Some policies allow you to increase the
death benefit as time goes on. The premium
increases as well, but it allows
policyholders to pay lower premiums early
on in life when they have a lot of bills and
expenses. The increasing term prevents
having to qualify for another policy at an
older age to get the added benefit as
would be the case with traditional term
insurance.
We at SEEMANADVISORS suggest our
customers to protect their financial Goals
through a SMART term policy. You can E
mail us at growth@seemanadvisors.com
to check if your financial Goals are properly
covered with a good term policy
A guarantee on the
premium and survivor
benefit for a defined
amount of years
No capability of
accumulating cash inside
the policy. You can't pay
an extra premium to get
extra benefit.
Term insurance has two
features that makes it
attractive:
1.
2.
CHAPTER 4
I N S U R A N C E W A T C H
Term insurance is a type of life insurance policy
that provides coverage for a certain period of
time or a specified "term" of years. If the
insured dies during the time period specified in
the policy and the policy is active, or in force,
a death benefit will be paid.
The premiums are fixed and paid for the length
of the term. If the policyholder dies prior to the
expiration of the policy, the insurance company
will pay out the face value of the policy. If the
term expires and the individual dies afterward,
there would be no coverage or payout.
However, policyholders can extend or renew the
insurance. However, the premiums could be
higher for the renewed policy versus the
original term policy that was initiated when
the individual was younger.

10. CHAPTER 5
Q & A :
A L L R E P L I E S B Y A S H I S K R D E Y
We receive lot of questions from our readers,
which we keep relying on our facebook page as
well as via E mail. We are sharing some such
questions which are applicable for a larger
audience
You can invest in Mutual Funds by simply calling
us at 9433457496 or E mail us at :
growth@seemanadvisors.com. Our team will
assist you in creating a one time MF trading
account, online. After completing this one time
process of Onboarding, you can easily start
investing yourself via our mobile app or
website. You can even place your orders on
phone. You must know here that there are fixed
trading time for Mutual Fund units, which varies
from asset to asset; like for Liquid funds we
have a cutoff time of 11 am while for Equity
funds we have a cutoff time of 1 pm
Q : How can I start investing in a
Mutual Fund Scheme, if I know my
Risk appetite and scheme catgeory ?
How do you help in this ?
Q : What can be my investment value
if I invest Rs 2000 per month for 20
Yrs ?
You have not mentioned anything about your
Risk appetite here, hence I am simply
presenting the calculation based upon an
assumed ROI of 12% p.a across various periods.
Please check the table on the right side of this
page
Disclaimer : above figure is just a calculation for
presentation purpose. One should understand that
this is not a guarantee or any suggestion for any
product. You must check your product suitability to
make a closer estimation
Post your questions at
growth@seemanadvisors.com

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