Retirement Planning - Navigate your Portfolio Today for a Better Tomorrow

You work hard and build a life for yourself and your family - one full of dreams, achievements, and happiness. As a thoughtful investor, you do not want to compromise on this life, especially after retirement. You may want to spend more quality time with your loved ones or travel the world. You may also want to fulfil commitments like your child’s higher education or wedding. While we do know how important retirement planning is, it has often been an overlooked aspect of financial planning. According to a survey conducted by Nielson, 51% of respondents stated that they hadn’t started investing for their retirement.

It’s important to plan your investment portfolio today so that you continue to meet all your goals and dreams independently.

After all, you may have very specific ideas on how you want to spend your retired life. You retire from work, not life. At the same time, you may also want to maintain your day-to-day lifestyle without worrying about inflation / expenses.

Retirement Planning requires you to rely on a well-defined Asset Allocation strategy to have a peaceful night’s sleep.

Some investors who decide to build a nest egg for their retirement still resort to conventional investments such as PPFs, FDs, gold, real estate, pension plans, etc. However, these solutions can be challenging to liquidate immediately in case of emergencies. Another challenge to tackle is inflation which continues to rise over time and may put a strain on your retirement corpus.

The way to address liquidity and keep inflation from eating into your retirement corpus is to invest in mutual funds such as equity investments that have the potential to generate inflation-beating returns over the long term. However, equity investments are cyclical. For instance, imagine someone holding an all-equity portfolio in the downmarket of 2008 or 2020, or holding none in the equity rally that followed.

While no one can predict the future, it’s important to remember that not all asset classes move in one direction. Diversification is the key to help reduce portfolio risk. Even when building your equity basket, care must be taken to not be biased to any market cap or investment style to maintain a risk-return balance.

Quantum’s 12:20:80 - A solid home offering a one-stop shop for your investment needs for building a secure tomorrow

You can use the 12:20:80(Baarah, Bees aur Assi) Asset Allocation Starategy as a solid, time-teste d retirement planning solution. This strategy allows you to create the right mix of Debt, Gold and Equity (Value, Growth) helping you to diversify. By investing in Quantum’s 11 funds as building blocks to this solution, you get a balance between risks and return in your portfolio thus enabling you to achieve your goals.

As part of this strategy, equity forms the largest component of your portfolio. It comprises 80% of the investable surplus serving as the Growth building block of your portfolio. The larger allocation to Equity helps you cope with inflation and stay on course to benefit from India’s long-term growth potential.

You can also make use of our well-researched Asset Allocation calculator which provides you with a convenient and simple way to diversify your investment portfolio.

With this strategy, you do not have to worry about fluctuations in the equity market movements.

As you can see in the example above, the diversified allocation using an active allocation strategy for the period ended Oct 2022, has helped lower the risk of a downside, especially over the long term. 

As a thoughtful investor, don’t let the market fluctuations of the near term deter your investment journey.

In the short term, equity markets can go through fluctuations and it’s difficult to assess returns. However, to anchor your expectations from an equity standpoint, assess how India has grown from a longer-term perspective.

For those of you who have just received your Diwali bonuses, it might serve as a good opportunity to secure your future and support your lifestyle during your retirement, when there is no stable source of income.

Retirement works best when you start planning for it from the beginning. Your retirement portfolio should aim to help you lead a stress-free life. That life is uncertain is known to all of us but by investing with Quantum using the Baarah, Bees aur Assi you can ward off uncertainties to secure your future even after you retire.

#S&P BSE 500 TRI, ##S&P BSE 200 TRI, ###S&P BSE Sensex.

Data as of October 31, 2022.

Past performance may or may not be sustained in the future.

Load is not taken into consideration in scheme returns calculation.

Different Plans shall have a different expense structure.

Returns are net of total expenses and are calculated on the basis of Compounded Annualized Growth Rate (CAGR).

#with effect from December 01, 2021 Tier 1 benchmark has been updated as S&P BSE 500 TRI. As TRI data is not available since inception of the scheme, benchmark performance is calculated using composite CAGR S&P BSE 500 index PRI Value from March 13, 2006 to July 31, 2006 and TRI Value since August 1, 2006.

##TRI data is not available since inception of the scheme, Tier 2 benchmark performance is calculated using composite CAGR S&P BSE 200 index PRI Value from March 13, 2006 to July 31, 2006 and TRI Value since August 1, 2006

The Fund is managed by Sorbh Gupta and George Thomas. Sorbh Gupta has been managing the fund since December 1, 2020. George Thomas has been managing the fund since April 1, 2022.

Click here to view other funds managed by them.

#S&P BSE 200 TRI, ##S&P BSE Sensex TRI.

Data as of October 31, 2022.

Past performance may or may not be sustained in the future.

Load is not taken into consideration in scheme returns calculation. Different Plans shall have a different expense structure.

Returns are net of total expenses and are calculated based on Compounded Annualized Growth Rate (CAGR). The fund is managed by

Chirag Mehta since Nov 1, 2013. Chirag Mehta manages 5 Schemes of Quantum Mutual Fund.

For other schemes managed by him, please Click here.

#NIFTY100 ESG TRI, ##S&P BSE Sensex TRI.

Data as of October 31, 2022.

Past performance may or may not be sustained in the future.

Different Plans shall have a different expense structure. Returns are net of total expenses and are calculated on the basis of Compounded Annualized Growth Rate (CAGR). Chirag Mehta manages 5 Schemes and Sneha Joshi manages 1 scheme of the Quantum Mutual Fund. For performance of other funds managed by Chirag Mehta, please Click here.

#Domestic Price of Physical Gold.

Data as of October 31, 2022.

Past performance may or may not be sustained in the future.

Different Plans shall have a different expense structure.

The fund is managed by Mr. Chirag Mehta. Chirag Mehta is handing the fund since May 19, 2011. For other funds managed by Chirag Mehta, please Click here.

Name of the Scheme	This product is suitable for investors who are seeking*	Riskometer of scheme	Riskometer of Tier I Benchmark and Tier II Benchmark
Quantum Long Term Equity Value Fund An Open Ended Equity Scheme following a Value Investment Strategy. Primary Benchmark: S&P BSE 500 TRI	• Long term capital appreciation • Invests primarily in equity and equity related securities of companies in S&P BSE 200 index	Investors understand that their principal will be at Very High Risk

Name of the Scheme	This product is suitable for investors who are seeking*	Riskometer of scheme	Riskometer of Benchmark
Quantum Equity Fund of Funds An Open Ended Fund of Funds scheme Investing in Open Ended Diversified Equity Schemes of Mutual Funds	• Long term capital appreciation • Investments in portfolio of open-ended diversified equity schemes of mutual funds registered with SEBI whose underlying investments are in equity and equity related securities of diversified companies	Investors understand that their principal will be at Very High Risk
Quantum India ESG Equity Fund An Open ended equity scheme investing in companies following Environment, Social and Governance (ESG) theme	• Long term capital appreciation • Invests in shares of companies that meet Quantum's Environment, Social, Governance (ESG) criteria.	Investors understand that their principal will be at Very High Risk
Quantum Gold Savings Fund An Open Ended Fund of Fund Scheme Investing in Quantum Gold Fund	• Long term returns • Investments in units of Quantum Gold Fund – Exchange Traded Fund whose underlying investments are in physical gold	Investors understand that their principal will be at High Risk

Name of the Scheme	This product is suitable for investors who are seeking*	Riskometer of scheme
Quantum Gold Fund An Open Ended Scheme Replicating / Tracking Gold	• Long term returns • Investments in physical gold	Investors understand that their principal will be at High Risk
Quantum Nifty 50 ETF Fund of Fund An Open-ended fund of fund investing in units of Quantum Nifty 50 ETF	• Long term capital appreciation • Investments in units of Quantum Nifty 50 ETF – Exchange Traded Fund	Investors understand that their principal will be at Very High Risk
Quantum Liquid Fund An Open-ended Liquid Scheme. A relatively low interest rate risk and relatively low credit risk.	• Income over the short term • Investments in debt / money market instruments	Investors understand that their principal will be at Low Risk

*Investors should consult their financial advisors if in doubt about whether the product is suitable for them.
The Risk Level of the Scheme in the Risk O Meter is based on the portfolio of the scheme as on September 30, 2022

Investors of Quantum Nifty 50 ETF Fund of Fund (Scheme) will bear the recurring expenses of the scheme in addition to the expenses of Quantum Nifty 50 ETF.

Above article is authored by Quantum.

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