Now, A Diversified Portfolio at your FingerTips

Equity markets moving up and down? Confused about how and where to invest? Don’t worry, we have got you covered! While it’s not easy to predict the near-term market levels and the impact on your investments, what’s within your control is staying invested for the long term with a diversified portfolio using a prudent Asset Allocation.

Remember, asset allocation helps you:

- Reduce downside risks.

- Tackle fluctuating market cycles over the long term.

- Achieve your long-term goals.

A simple and easy solution to start with is Quantum’s tried and tested 12-20-80 Asset Allocation Strategy that can help you safeguard your investments and provide the potential for risk-adjusted returns over the long term.

In our continuous endeavour to simplify investing and create a one stop shop for all your investing needs, we bring to you our handy Asset Allocator tool. Now in just a few clicks you can balance/ rebalance your portfolio to have a diversified basket of investments in Quantum’s products across all three asset classes of Equity, Debt and Gold.

What’s more, with the launch of the Quantum Nifty 50 ETF Fund of Fund, you can choose whether you prefer an actively managed portfolio or a passively managed one.

Asset Allocation Calculator Demo Video

Simple Steps to Build Your 12:20:80 Portfolio

Step 1: Choose the Investing style You want to Adopt

If you are someone who wants the potential to beat the market, greater diversification or fund manager involvement, you might choose to go for active investments. On the other hand, if you prefer to keep things simple and generate returns in tandem with the benchmark index, building a portfolio of passive funds might suit you better. You get the flexibility to choose how you want to ride your investment journey. Remember that the NFO is currently on – don’t miss the chance if you want to adopt the passive approach. 

Step 2: Enter the Total Amount You Intend to Invest 

Next, enter the total investible corpus that you intend to invest. As a general rule, your investment should not be what is left over after your monthly expenses, but should be a fixed sum set aside with a specific financial goal in mind. 

Step 3: Build your Safety Block (Emergency Corpus) with Liquid Funds

Next, enter your monthly expenses and click on Calculate. We suggest that you set aside 12 months of your monthly expenses to help you tide over any uncertainties.

The tool will calculate this as Emergency Funds which forms the foundation as your portfolio. Your investment will be allocated in Quantum Liquid Fund – which prioritizes safety and liquidity over returns. If you believe that you would like to have a larger backup for financial emergencies depending on your risk appetite and your financial obligations, simply change the number of months.

Step 4: Build the Portfolio Diversifying Block with Gold 

After deducting the Emergency Corpus from your indicated investible corpus, the tool will allocate the balance into Gold and Equity in the ratio of 20-80. The 20% portion allocation to gold will then be allocated to Quantum Gold Savings Fund - Gold in your portfolio helps offset risks better during periods of macroeconomic uncertainty due to the inverse relationship with equities. At any point, you can change the percentage to gold if required to suit your existing portfolio or goals better.

Step 5: Allocate the balance 80% to the Growth Block

The balance of your investible corpus i.e 80% gets diversified into long-term opportunities using a diversified equity bucket. The funds get allocated across three different equity funds - Quantum Equity Fund of Funds, (70%) Quantum India ESG Equity Fund (15%) and the Quantum Long Term Equity Value Fund (15%) with varying investing styles. 

If you choose a passive allocation, allocate 85% in the NFO - the Quantum Nifty 50 ETF Fund of Fund and initiate an SIP (Systematic Investment Plan) or lumpsum during the NFO period, and the balance of 15% in Quantum India ESG Equity Fund.

Step 6: Get an Overview of Your Suggested Allocation

Once you have entered your preferences, click on the Calculate button

You can see a quick snapshot of your suggested allocation with the flexibility to add, switch and personalize as per your investment requirements and risk appetite.

The tool also calculates the since inception returns for your suggested allocation. Through the 12:20:80 portfolio, a diversified portfolio, you get the potential to lower downside risks during periods of uncertainty. 

So, check out the asset allocation tool today and build your portfolio in just a few clicks. Personalize your investments the way you want and just focus on strengthening your investment journey to build long term goals.

Name of the Scheme	This product is suitable for investors who are seeking*	Riskometer
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 Long Term Equity Value Fund An Open Ended Equity Scheme following a Value Investment Strategy	• 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
Quantum Nifty 50 ETF An Open Ended Scheme Replicating / Tracking Nifty 50 Index	• Long term capital appreciation • Investments in equity and equity related securities of companies in Nifty 50 Index	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
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 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
Quantum Nifty 50 ETF Fund of Fund** An Open-ended fund of fund scheme investing in Quantum Nifty 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

* Investors should consult their financial advisers 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 June 30, 2022.

**The product labelling assigned during the NFO is based on internal assessment of the scheme characteristics or model portfolio the same may vary post NFO when the actual investments are made. For latest riskometer, investors may have to refer to the Monthly Portfolios disclosed on the website of the fund www.QuantumAmc.com
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.

View All