The Pandemic taught several lessons to first-time and seasoned investors alike. It reinforced the habit of saving, having a sound financial backup plan for a rainy day and devising a prudent asset allocation strategy. Explore 7 investment lessons that help prepare for the unexpected. www.Quantumamc.com

1. Personal Finance Learnings from the Pandemic..
“Never waste a good crisis” – Winston Churchill

2. 2
1) Prepare for the worst..
Emergency fund
Health insurance
Life insurance
“Plan to survive reality. Future filled with unknowns is everyone’s reality” – Morgan Housel

3. 3
2) Your savings are the ONLY thing you can count on..
Income – Expenses = Savings
Or
Income – Savings = Expenses
Choose well..
“Save money and money will save you”
YOUR MONEY CYCLE

4. 4
3) Living is not expensive, lifestyle is..
• Lockdowns taught us that we don’t necessarily
have to spend more to have a good quality of
life
• Spending money just to show people how much
money you have is the surest way to have less
money
• Ego < Income
• Beware of lifestyle inflation
• Impulse purchases, entertainment, shopping
are all controllable and discretionary expenses
• They can instead be channelized into savings
and long-term wealth creation
“Stop buying things you don’t need to impress people you don’t even like” – Suze Orman

5. 5
4) Can you count on Low & Falling FD Rates for your
Savings?
2
4
6
8
10
12
14
1990
1992
1994
1996
1998
2000
2002
2004
2006
2008
2010
2012
2014
2016
2018
2020
SBI 1 year FD rate
Source: FD Interest Rates | Compare Fixed Deposit Interest Rate Today (myloancare.in)
Bloomberg, SBI, Data as of July 2021
Consumer Basket 1990* 2000 2010 2015 2020 CAGR
TOTAL SPENDING PER ANNUM 23,759 68,923 151,279 280,064 427,619 10.1%
Price of gold, INR/10 grams 3,409 4,528 18,268 26,335 50,104 9.4%
Units ( Grams) of gold to consume
my basket
70 152 83 106 85
BSE SENSEX 730 4,659 15,585 26,557 47,751 14.9%
Units of BSE-30 Index to consume
my basket
33 15 10 11 9
Fixed Deposit Basket Index Value
(Value of initial investment Jan 1,
1990 =1000) (SBI 1 Year Deposit
Rate)*
1,064 2,220 3,550 4,628 5,814 6.0%
Units of FD Basket to consume my
basket
22 31 43 61 73
Past performance may or may not sustained in future
Quarterly compounding and Tax rate on Fixed Deposit assumed to be 30%
“Inflation takes from the ignorant and gives to the well informed” – Venita VanCaspel

6. 6
5) Survival of the fittest
Debt is a disadvantage:
• Income: not guaranteed
• Debt repayments:
guaranteed
“If you think nobody cares if you’re alive, try missing a couple of payments” – Earl Wilson

7. 7
6) Liquidity & marketability are hallmarks of a good
asset
Cars or designer watches or clothes are not marketable. They are
things not assets
Money locked into land and property or other hard assets is not
easily realized in a crisis
Financial assets like shares and mutual funds are liquid and are
very handy

8. 8
7) Focus on what you can control..
How
much we
save and
for how
long
Asset
allocation
Investment
returns
WHAT WE CONTROL WHAT WE DON’T CONTROL
WHAT WE RARELY FOCUS ON WHAT WE ONLY FOCUS ON

9. 9
7) Focus on what you can control..
How
much we
save and
for how
long
Asset
allocation
Investment
returns
WHAT WE CONTROL WHAT WE DON’T CONTROL
WHAT WE RARELY FOCUS ON WHAT WE ONLY FOCUS ON

10. 10
How much we save
• Managing your lifestyle and maximizing your savings can have the same impact on your net
worth as increasing your investment returns
• And its more in your control
For how long we save
Time in market beats timing the
market. The former is in your
control
Start as early as possible and
be patient to enjoy the effects of
compounding
In the graph, we compare two people who invested
$10,000 with no additional investments and earned a
10% return every year. The only difference between
the two people, however, is that Person 1 began
investing at age 20 and Person 2 began at age 30
Please mention this is for illustrative purpose only to explain the concept of compounding

11. 11
7) Focus on what you can control..
How
much we
save and
for how
long
Asset
allocation
Investment
returns
WHAT WE CONTROL WHAT WE DON’T CONTROL
WHAT WE RARELY FOCUS ON WHAT WE ONLY FOCUS ON

12. 12
What is Asset Allocation?
Asset allocation involves dividing an investment portfolio among different asset categories
like equities, bonds, property, commodities and cash

13. There have been years when equity markets had a brilliant run, years when only bonds were dependable, and years
when gold shined the brightest, and these periods did not typically overlap
Past performance may or may not sustained in future
The chart ranks the best to worst performing indexes per calendar year from top to bottom
*Data as of July 2021
Past performance may or may not be sustained in future.
Based on S&P BSE Sensex; Domestic Gold prices and
CRISIL Composite Bond Fund Index
Source: Bloomberg
Imagine someone holding an all equity
portfolio in 2008, or holding none in the
equity rally that followed?
13
Why Asset Allocation matters..
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021*
Sensex
49%
Sensex
49%
Gold
26%
Sensex
83%
Gold
23%
Gold
32%
Sensex
28%
Sensex
11%
Sensex
32%
Bonds
9%
Bonds
13%
Sensex
30%
Gold
8%
Gold
16%
Gold
28%
Sensex
11%
Gold
20%
Gold
16%
Bonds
9%
Gold
24%
Sensex
19%
Bonds
7%
Gold
12%
Bonds
4%
Bonds
14%
Sensex
-4%
Gold
11%
Gold
5%
Sensex
7%
Sensex
14%
Sensex
17%
Bonds
1%
Bonds
4%
Bonds
7%
Sensex
-52%
Bonds
4%
Bonds
5%
Sensex
-24%
Bonds
9%
Gold
-5%
Gold
-8%
Gold
-7%
Sensex
3%
Bonds
5%
Bonds
6%
Bonds
11%
Bonds
12%
Gold
-3%

14. 14
2020: A Reminder On Virtues Of Asset Allocation
Past performance may or may not sustained in future

15. Combine Asset Classes for better Risk Adjusted Returns
One asset’s down cycle is balanced by another asset’s up cycle
Risk-Return Equity +Debt +Gold * Equity + Debt ** Equity Debt Gold
CAGR 11.13% 11.13% 12.80% 7.18% 11.45%
Annualized SD 9.37% 13.45% 22.02% 3.27% 17.34%
Maximum Drawdown 21% 36% 56% 6% 25%
Sharpe Ratio 0.524 0.365 0.299 0.293 0.302
The most diversified strategy yields similar
returns with the lower volatility, compared to a
pure equity strategy
15
Time frame is November 2004 to July 2021. The period is taken from 2004 since the asset allocation weights are
calculated based on normalizing the historical monthly equity and debt indicators. Given the normalization time
frame used in the strategy, data availability for certain parameters beyond the time frame analyzed was a
constraint. Compiled by Quantum AMC
*Equity-Debt-Gold in ratio of 40-40-20. **Equity-Debt allocated in 60-40 range
Based on Sensex Index, Crisil Composite Bond Fund Index, and Domestic Gold Prices
Note: Past performance may or may not be sustained in the future

16. Disclaimer – Terms of Use
The data in this presentation are meant for general reading purpose only and are not meant to serve as a professional guide/investment
advice for the readers. This presentation has been prepared on the basis of publicly available information, internally developed data and
other sources believed to be reliable. Whilst no action has been suggested or offered based upon the information provided herein, due care
has been taken to endeavor that the facts are accurate and reasonable as on date. Quantum AMC shall make modifications and alterations
to the performance and related data from time to time as may be required as per SEBI Mutual Fund Regulations. Readers are advised to
seek independent professional advice and arrive at an informed investment decision before making any investment. None of the Sponsors,
the Investment Manager, the Trustee, their respective Directors, Employees, Affiliates or Representatives shall be liable for any direct,
indirect, special, incidental, consequential, punitive or exemplary damages, including lost profits arising in any way from the
data/information/opinions contained in this presentation. The Quantum AMC shall make modifications and alterations to the performance
and related data from time to time as may be required.
Please visit – www.QuantumMF.com to read scheme specific risk factors. Investors in the Scheme are not being offered a guaranteed or
assured rate of return and there can be no assurance that the schemes objective will be achieved and the NAV of the scheme may go up
and down depending upon the factors and forces affecting securities market. Investment in mutual fund units involves investment risk 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.
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Limited. The Sponsor, Trustee and Investment Manager are incorporated under the Companies Act, 1956.
30th August 2021
Mutual fund investments are subject to market risks, read all scheme related documents carefully.

17. Thank You
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