WEALTH

CREATION
JOURNEY
LET'S SEE THE
JOURNEY OF FIXED
DEPOSIT AND SENSEX
OVER LAST TWO
DECADES
 FIXED DEPOSIT RATE TREND OVER LAST 20 YEARS
10 9.25
9 9 8.88 9
9 8.5 8.63 8.63
8.28 8.38
8
8 7.38
6.88 6.8
7 6.5 6.58
6.25
6 5.38
5.13
5 4.63
FD Rate

FY

WHILE FD RATES HOVERED AROUND 9% AT THE START OF THE DECADE,

THEY HAVE FALLEN TO AROUND 6.5% TOWARDS THE END A FALL BY 2.50%
SENSEX 20 YEARS JOURNEY
DECADE VALUE (R) RETURN (%) TIMES (X)
2000-2009 3,48,917 13.3% 3.5
2010-2019 2,01,172 7.2% 2.0

2000-2019 8,23,913 11.1% 8.24

Investment of R1 Lakh, Data as on 31 Dec 2019.
 100
81.03

SENSEX 20 YEARS JOURNEY - CALENDAR YEAR RETURNS Sensex 20 years

80 Journey 72.88

60
100 46.7 47.14
42.33
81.03
40 29.89
80 72.88
Sensex 20 years Journey 25.69

Return (%)
17.43
20 13.07
60 8.97
46.7 47.14 3.52 1.94
42.33
-5.02
40 100 0
29.89 2006
2000 2001 2002 25.69
2003 2004 2005 2007 200827.9
2009 2010 2011 2012 2013 2014 2015 2016
-20.64 -17.86
Return (%)

20 13.07 -20 17.43 81.03 -24.64

14.37
8.97
80
3.52 72.88 1.94
5.9

0 -40 -5.02
-52.44
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
-20.64 -17.86
-20 60 -60 -24.64
46.7 47.14
42.33 Calender Year
-40
40 -52.44
Return(%) 29.89
-60 25.69
Return (%)

17.43
20 13.07
Calender Year
THOUGH MONEY INVESTED IN SENSEX HAS GROWN BY 8 TIMES, IT HAS NOT BEEN A SMOOTH
8.97
3.52
RIDE SENSEX DELIVERED NEGATIVE RETURNS 5 TIMES OVER 20 YEARS JOURNEY
Return(%)

0 -5.0
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 201
-20.64 -17.86
-20 -24.64
VOLATILITY IS PART AND PARCEL OF
EQUITY MARKETS…
INVESTORS WHO HAVE STAYED ON
AND GONE THROUGH UPS AND
DOWNS, HAVE CREATED WEALTH…
8 TIMES IN 20
YEARS!!
BUT WE HAVE NOT INVESTED IN SENSEX
WE ARE MUTUAL FUND INVESTORS
LET'S SEE THE WEALTH CREATION
JOURNEY OF EQUITY MUTUAL
FUNDS
WEALTH CREATION
THROUGH LUMPSUM
INVESTMENT IN EQUITY
MUTUAL FUND
10 YEARS EQUITY MF PERFORMANCE
Investment of R1,00,000/-
10 YEARS PERFORMANCE
EQUITY FUNDS CATEGORY VALUE (R) RETURN (%) TIMES(X)

Average of Largecap Funds 2,69,489 10.4 2.7

Average of Blend/Multicap Funds 2,86,334 11.1 2.9

Average of Mid/Smallcap Funds 3,40,335 13.0 3.4

Average of All Diversified Equity Funds 2,93,988 11.4 2.9

Average of ELSS 2,88,611 11.2 2.9

Average of Aggressive Hybrid Funds 2,65,940 10.3 2.7

Data as on 31 Dec 2019.

GROWTH IN MF INVESTMENTS 3 TIMES, V/S SENSEX GROWTH OF 2 TIMES

15 YEARS EQUITY MF PERFORMANCE
Investment of R1,00,000/-
15 YEARS PERFORMANCE
EQUITY FUNDS CATEGORY VALUE (R) RETURN (%) TIMES(X)
Average of Largecap Funds 6,89,154 13.73 6.9
Average of Blend/Multicap Funds 7,02,837 13.88 7.0
Average of Mid/Smallcap Funds 8,49,305 15.33 8.5
Average of All Diversified Equity Funds 7,25,319 14.12 7.3
Average of ELSS 6,91,665 13.76 6.9
Average of Aggressive Hybrid Funds 5,78,838 12.42 5.8
Data as on 31 Dec 2019.

MF HAS MULTIPLIED WEALTH BY 7 TIMES IN LAST 15 YEARS!!

20 YEARS EQUITY MF PERFORMANCE
Investment of R1,00,000/-
20 YEARS PERFORMANCE
EQUITY FUNDS CATEGORY VALUE (R) RETURN (%) TIMES(X)
Average of Largecap Funds 10,27,962 12.4 10.3
Average of Blend/Multicap Funds 15,08,383 14.5 15.1
Average of Mid/Smallcap Funds 25,74,727 17.6 25.7
Average of All Diversified Equity Funds 15,00,779 14.5 15.0
Average of ELSS 18,58,376 15.7 18.6
Average of Aggressive Hybrid Funds 8,26,219 11.1 8.3
Data as on 31 Dec 2019.

15 TIMES IN 20 YEARS!! THAT'S WHAT YOU CALL WEALTH CREATION!!

BALANCED FUND WITH SWP
FOR
REGULAR INCOME
19 YEARS HISTORY OF BALANCED FUNDS WITH SWP FOR 10 YEARS
PARTICULAR BALANCED FUND
Investment Amount (Lumpsum) 15,00,000
Investment Period 120 Months
Monthly Withdrawal 10,000
Total Withdrawal 12,00,000
Maturity Value after 10 years 41,55,857
Total Withdrawal + Maturity Value 53,55,857
Average Return (%) 15.7
MONTHLY ROLLING RETURN FROM 1 JAN 2000 TO 31 DEC 2019, 8% MONTHLY WITHDRAWAL OF INVESTMENT AMOUNT
 19 YEARS HISTORY OF BALANCED FUNDS WITH SWP FOR 10 YEARS
FUND TOTAL
TOTAL
MONTHLY VALUE WITHDRAWAL+ AVG
SCHEME NAME INVESTMENT PERIOD MONTHLY
WITHDRAWAL AFTER 10 FUND VALUE RETURN(% )
WITHDRAWAL
YEARS AFTER 10 YEARS
Aditya Birla SL Equity Hybrid 95 Fund 1,500,000 120 months 10000 12,00,000 4,651,225 58,51,225 17.01
DSP Equity & Bond Fund 1,500,000 120 months 10000 12,00,000 4,333,988 55,33,988 16.25
Franklin India Equity Hybrid Fund 1,500,000 120 months 10000 12,00,000 3,886,182 50,86,182 15.42
Kotak Equity Hybrid Fund 1,500,000 120 months 10000 12,00,000 3,752,117 49,52,117 14.76
SBI Equity Hybrid Fund 1,500,000 120 months 10000 12,00,000 4,155,771 53,55,771 15.12

AVG OF QUARTERLY ROLLING RETURNS FROM 1 JAN 2000 TO 31 DEC 2019.

IN CASE OF SBI MAGNUM BALANCE AND KOTAK BALANCE ALL DIVIDENDS ARE ASSUMED TO BE REINVESTED.
 PROBABILITY OF PRINCIPAL LOSS AFTER 10 YEARS
NO. OF OBS NO. OF OBS
WHERE END WHERE END
SCHEME NAME NO. OF OBS
VALUE < VALUE <
INVESTMENT INVESTMENT
Aditya Birla SL Equity Hybrid 95 Fund 41 0 0.0%
SBI Equity Hybrid Fund 41 1 2.4%
DSP Equity & Bond Fund 41 1 2.4%
Franklin India Equity Hybrid Fund 41 2 4.9%
Kotak Equity Hybrid Fund 41 3 7.3%

IN 97% OF CASES, INVESTORS HAVEN'T LOST THEIR CAPITAL IF THEY

HAVE CONTINUED THEIR BALANCE FUND SWP FOR 10 YEARS.
WEALTH CREATION
THROUGH SIP
SIP PERFORMANCE
Investment of R10,000/-
10 YRS 15 YRS 20 YRS
EQUITY FUNDS CATEGORY
RETURN RETURN RETURN
Average of Largecap Funds 11.63 11.65 14.85
Average of Blend/Multicap Funds 12.12 11.89 16.61
Average of Mid/Smallcap Funds 13.56 13.69 20.54
Average of All Diversified Equity Funds 12.18 12.20 17.15
Average of ELSS 12.13 11.99 17.11
Average of Aggressive Hybrid Funds 11.03 11.61 14.66

Data as on 31 Dec 2019.

POWER SIP
Investment of R10,000/-
POWER OF FUND POWER OF
FUND VALUE FUND VALUE
COMPOUNDIN VALUE COMPOUNDIN
EQUITY FUNDS CATEGORY AFTER 10 AFTER 15
G OF 5 YRS AFTER 20 G OF 5 YRS
YEARS YEARS
PERIOD YEARS PERIOD
MONEY GROWTH MONEY GROWTH
Total Investment 12,00,000 18,00,000 (TIMES) 24,00,000 (TIMES)

Average of Largecap Funds 21,91,374 46,09,615 2.10 1,30,01,094 2.82

Average of Blend/Multicap Funds 22,49,290 47,03,437 2.09 1,61,52,210 3.43
Average of Mid/Smallcap Funds 24,27,950 54,91,145 2.26 2,64,13,249 4.81
Average of All Diversified Equity Funds 22,56,075 48,30,784 2.14 1,72,88,365 3.58
Average of ELSS 22,49,829 47,44,131 2.11 1,71,95,104 3.62
Average of Aggressive Hybrid Funds 21,23,043 45,93,330 2.16 1,26,92,179 2.76
Data as on 31 Dec 2019.
 NJ MARS HAS COMPLETED 6 YEARS
JOURNEY (DEC - 2013 TO DEC -2019)
NJ MARS PERFORMANCE SINCE INCEPTION
INVESTED OF RS.1 LAC ON 16TH DEC,2013
MARS PORTFOLIO
MARS DYNAMIC
ASSET ALLOCATION - MARS E100 NIFTY 500 TRI
AGGRESSIVE
Fund Value ( Rs.) 2,29,862 2,57,439 2,19,960

CAGR Return (%) 14.9% 17.1% 14.0%

Equity Exposure 45% 100% 100% Performance as on 16th Dec 2019

NJ PARTNERS RESPONSE
MARS AUM NJ MARS CLIENTS
R4600 Cr 109000 +
 MARS - DAAA ROLLING RETURNS

1 YEAR 2 YEAR 3 YEAR 5 YEAR

DAAA
ROLLING ROLLING ROLLING ROLLING
NO OF OBSERVATIONS 61 49 37 13
AVERAGE RETURNS 13.32 12.49 13.00 12.76
OBS. WITH NEGATIVE RETURNS 1 0 0 0
MAXIMUM RETURN 48.90 23.39 21.89 16.48
MINIMUM RETURN -1.00 4.05 6.98 10.04
Period: 31 Dec 2013 to 31 Dec 2019, Observations are based on monthly data.
MARS DAAA IS THE PERFECT RECIPE FOR INVESTORS WHO ARE WORRIED
OF NEGATIVE RETURNS AND HIGH VOLATILITY IN THE PORTFOLIO!!
 NJ MARS
DYNAMIC ASSET ALLOCATION PORTFOLIO

 Ideal product for first time investors in MF

 Ideal product for risk averse investors
 Proven Track record
 All Seasons Product whether market is high or low
 Easy to convert traditional investment into MF
 Low redemption pressure from investors
 Ideal low volatility product for managing client behavior
ADVISE LUMPSUM INVESTMENT THROUGH NJ MARS
DYNAMIC ASSET ALLOCATION AT ANY TIME
NJ MARS DAA OFFERS
OPTIMUM RETURN WITH LOW RISK
THINK
INVESTMENT...
THINK