- The newsletter discusses equity indices continuing their positive trend despite lockdowns in India amid the COVID crisis. It provides an overview of key issues around portfolio strategies during this time. - It also covers how gold reacted to news of Russia announcing vaccine testing and how it later stabilized. - The newsletter is meant to help readers with money management and making better investment decisions during uncertain times.

1. JUSTTHEFACT
Monthly Newsletter by Just Invest Online
VOLUME 02, 08/20AUG
Dear Readers,
Amidst of this COVID Crisis, almost all part of the country kept swinging
between LOCKDOWN & UN-LOCKDOWN .But the Equity indices and indicators
continued their positive trend. Lot my readers are confused in terms of their
portfolio strategy – Should I reduce my Equity exposure or Should I increase
my Equity exposure ?
We at JTF (Just The Fact) tried to cover these key issues through supportive data
and various information points available across the Industry.I am sure,you will
enjoy the reading and get benefited in terms of better money management.
As Russia announced their Vaccine testing , Gold reacted southwards, although
it stabilised later by the end of this month. We covered the story for the sake of
our readers and their multiple query on Gold
Please feel free to write to me at info@justinvestonline.com for any feedback
or send me whattsapp message at :9886441717
INSIDE
1 Investment Gyan
2 Case Story
3 Market Indicators
4 Fund Watch
5 Q & A
fromeditor'sdesk
Chetan Jain , Managing Partner,
Just Invest Online

2. Debt : Equity Ratio < 20%
There is a Saying, “ IF YOU FAIL TO PLAN, YOU PLAN TO FAIL” .. i.e. “If you fail to
plan, you are planning to fail.”Finance is a very integral part of our lives. We work
hard all throughout, fulfilling wishes like buying a house, going on a dream vacation,
children’s marriage, child’s education and much more. But all the hard work will not
have any significance if one doesn’t make a proper Goal plan for their future. A
proper plan of investments Mix that will give good yields at proper time is a must for
everyone. We at Just Invest Online will help you in every step of building a strong
financial path for you and your family. With over 13 years of experience in the
Financial industry . We have helped our clients to build a strong investment portfolio
by guiding them to pick up right investment choices at the appropriate time.We at
Just Invest Online are thorough professionals and believe only in giving our best to
the client. That’s why, the team ensures to be in sync with the latest happenings of
the industry and updating the same to customer and also we ensure that our clients
have the ease to access their portfolio and are aware of the investments made in few
easy clicks.
Any questions related to investments ? Do you want to
get your Financial Health check up done for free ? Do
you want to get customised counselling to a restructure
your existing portfolio ? Visit our website www,jiol.in or E
mail at info@justinvestonline.com
TALK TO US AT : +91 -98864 41717
Our Objective
To provide our customers of Just Invest
Online one of the best Online Platforms
(via Website and Mobile App) to Transact
and Manage their financial Portfolio and
at the same time to handhold our clients
to achieve their life goals through proper
Goal planning and with right instruments
and right product Mix, so that they can
achieve their goal without any much of
difficulties.

3. Historically it is proven many a times and various research done on asset Classes have proven that Equity is the best
Asset Class when it comes to fight with inflation. Inflation is an enemy to your Financial Goals. As a beginner many
investors do not realise the impact of this sweet enemy.
Let us assume that you kept Rs 5000/- in box, then what will be its value if inflation rate is 6% ? See the
answer below :
CHAPTER1
Investment Gyan - Equity can beat Inflation
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OMG !!
As you saw that inflation can eat out on your principal , year after year, if you will not invest your funds anywhere . But
the key question is -Where ?
Answer is very simple - if I am investing for a short term period , I should not be bothered about Inflation; so I can
invest anywhere which could provide me better safety and better liquidity .
If I am investing for a Medium to Longer term, then I must invest in an asset which may be volatile but high rewarding
There comes Equity and Equity related products
How to decide, which is the best Equity MF ? What is the
difference between Stocks and a Equity MF - which is
better ? What is the Tax treatment for Incomes
generated from Equities ? How can I evaluate my Risk
appetite before investing in Equity ?
TALK TO US AT : +91 - 98864 41717
Source : ICICI Prudential Mutual Fund Training Slides

4. The family needed to replace the missing salary inflow ,to run their day to day living standards
The family needed some lumpsum amount to fund the younger daughters upcoming higher education ; elder
daughter's education fund had been taken care from the regular savings &available funds
The family needed to create a kitty for contingency as well as they needed to preserve the Capital for whole life
survival.
Invest Rs 2.5 crores in a Debt fund - Banking in PSU Bond Funds, with a Systematic Withdrawal Plan of around Rs 1.6
lacs per month i.e a cash withdrawal of around Rs 650 per lacs per month .
And created a risk free and no load investments of other funds to feed a previous committed insurance policy of
Rashmi which is due to mature in 2024 . This policy will deliver close to Rs 50 lacs to Rashmi in 2024, which will ake care
of her younger daughters higher education
In this issue , we have covered the story of Rashmi (42 Yrs) who lost her husband Suresh (45 Yrs) . Life would have been a
very tough journey for Rashmi, if Suresh had not done SMART financial planning. Let us read this heart touching story of
the family which consists of two Kids -Ridhima ( 11 Yrs) & Smita (15 Yrs) .
Suresh was a talented Engineer working with a MNC;he started investing with me around 10years back. He had created a
perfect Financial Goals for her daughters education and marriage . In order to achieve his Goals , he started investing
through Mutual Funds SIP and also covered his Goals through some high value Term insurance -for around Rs 3.5Crores
. He also took a home loan few years back to buy his dream house .
When he died 3 years back , the family got the claim of Rs. 3.5 crore from respective Life Insurance Policies, which we did
for Suresh under his SMART financial planning.
When the family approached me for choosing the right investment options for this descent fund of Rs 3 Cr, I noted down
following key financial challenges for the family :
1.
2.
3.
Keeping in mind, the above financial needs of the family , I advised Rashmi to take following steps with the available
funds :
After 3 years of this event, when I look back at Rashmi and her daughters happy faces and confident livelihood, I feel
proud of my role and function as a Financial product distributor. I am proud to share this story with all of you , which has
two items to learn :
Q 1 : How to cover and protect your Financial Goals during young to Mid age, with adequate life insurance covers
Q2 : How to set up a monthly Income stream from a stable Debt Mutual Fund scheme, like- Banking & PSU Bond Funds.
Please check the performance of such Debts funds under our 'Fund Watch category' of 'Moderate Risk products' - Page #
10
- A real life Story by Mr Chetan Jain, Business Head, Just Invest Online
((The names of the characters used here in the story,have been changed for the matter of privacy )
Suresh 45 Yrs & Rashmi 42 Yrs
What is SWP ? Is it a Guaranteed Return ? How safe is my
principal ?What is the Tax treatment for withdrawals on
these SWP ? What is the Minimum amount to invest &
is there any Lock-in?
TALK TO US AT : +91 -98864 41717

5. "Equity shown tremendous recovery in last 3
Months; and Gold seems to continue with its rally "
CHAPTER2
Market Indicators

6. Contd..

7. TALK TO US AT : 12345677777
You are suggested to choose your Schemes according to the RISKOMETER shared below. Just align
your investment persona with the schemes RISK Category, to get the best result from your
investments. Generally your short term investments should gp into Low to Moderate type of
products, and your long term investments can be invested into moderately high or high Risk
products.All Mutual Fund Schemes are divided into following five (5)Categories :
TALK TO US AT : 12345677777
Although this riskometer can give you an overall idea of the risk level, there are many other factors
involved in the process of investing. One should consider those factors also, while selecting a fund. A
riskometer should not be the sole indicator. Are you confused? Don’t worry . We make it easy for you,
through our online and offline counselling sessions. With Just Invest Online, you can invest in the best
performing mutual funds without any hassle
CHAPTER3
Fund Watch - All categories

8. Low Risk Category
( Sorted by 1 Yr Return)

9. Moderately Low Risk Category
( Sorted by 1 Yrs Return)

10. Moderate Risk Category
( Sorted by 3 Yrs Return)
Contd ...next page

11. Contd ...from previous page

12. Moderately High Risk Category
( Sorted by 5 Yrs Return)
Contd ...next page

13. Contd ...from previous page
Contd ...next page

14. Contd ...from previous page

15. High Risk Category
( Sorted by 10 Yrs Return)
Contd ...next page

16. Contd ...from previous page
DISCLAIMER : MUTUAL FUNDS ARE SUBJECT TO MARKET RISK. THERE IS NO GUARANTEE THAT THE PAST
RETURNS CAN BE REPEATED IN FUTURE TOO. THE RETURN TABLE SHOWN ABOVE IS ONLY FOR
SELECTIVE FUNDS WHICH WE DISTRIBUTE. INVESTORS ARE ADVISED TO CONSULT US FOR GETTING THE
MOST SUITABLE MATCH FOR THEIR INVESTMENTS

17. Q&ACORNER
I am investing since 2004 in Equity Mutual Funds
through SIP as well as Lumpsum. But never been
able to generate good returns ? Is my choice of
scheme is not good ? How to select a good
scheme for SIP ?
Ramesh, Nagpur
Questions Posted on our Social Media
FB/justinvest | Linkedien/justinvest
98864 41717
info @justinvestonline.com
www.jiol.in
App : justinvestonline
JTF : Ramesh Ji, I am thankful to you for raising this
question, because this is the most common
question for many investors. As far as SIP is
concerned, it works on the principles of Cost
Averaging & Power of compounding. I wonder in
which scheme you are invested in, because the
industry average of SIP returns in a multicap fund ,
in 16 years is around 14.5% p.a . I would suggest you
to please get your portfolio check done by us - for
free ! Simply E mail your portfolio on
info@justinvestonline.com or send the screenshot at
9886441717 via whattsapp
I am investing since 2004 in Equity Mutual Funds
through SIP as well as Lumpsum. But never been
able to generate good returns ? Is my choice of
scheme is not good ? How to select a good
scheme for SIP ?
Ramesh, Nagpur
JTF : Ramesh Ji, I am thankful to you for raising this
question, because this is the most common
question for many investors. As far as SIP is
concerned, it works on the principles of Cost
Averaging & Power of compounding. I wonder in
which scheme you are invested in, because the
industry average of SIP returns in a multicap fund ,
in 16 years is around 14.5% p.a . I would suggest you
to please get your portfolio check done by us - for
free ! Simply E mail your portfolio on
info@justinvestonline.com or send the screenshot at
9886441717 via whattsapp
I must congratulate you on this great initiative to
share informations and insights on key
investment subject through your News letter DO
you charge anything for the subscription ?
Vivek, Nasik
JTF : Thanks for your appreciation . No sir, we don't
charge anything for this . This is strictly for private
circulations only. You just need to be on our mailing
list to get the regular copies of our publications

18. Disclaimer : All the data presented here is sourced from authentic source and we have tried our best to be
accurate. Still the chances of error can not be omitted. All the scheme names and ideas presented here are for
the information of our readers; readers are advised to consult us before taking any action on their own .
Mutual funds chart presented here are past returns only, and there is no guarantee that past performance can
be repeated in future.
This publication is stricktly for Private circulation and is not an item for sale