Strategy Playbook

May 2022

Technology-powered. Human-delivered.
 Equity Market Outlook

➢ Indian equity markets settled for the month in the negative

territory of -1%. Investors turned cautious as the Q4FY22
corporate earnings season begun on a mixed note with small
disappointments from a couple of large sectoral majors like
HDFC and Infosys while ICICI shares soared after the result

➢ Foreign investors have been net sellers to the tune of Rs

15,867 crore in April so far. FII sell-off is not being completely
absorbed by the DIIs, who were pumping funds on the back of
the high retail SIP inflows. So far in April, DIIs have absorbed
less than 60% of the FII sell off. The DII absorption for the last
two months was close to 92%

➢ On the BSE sectoral front, BSE Teck and BSE IT have lost -
10.56% and -9.4% respectively while BSE Bank went up by
3.8%, BSE Auto went up by 7.2% and BSE power went up byu
19%

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 Fixed Income Market Outlook

➢ RBI has raised interest rates by 40basis points in May. Fed has also
raised interest rate again by 50bps. FPIs have so far withdrawn $900m
in 2022.These are further dwindling bond prices

➢ Yield on the 10-year benchmark paper rose by 25 bps to close at 7.09

compared to March closing of 6.84

➢ India’s forex reserve continues to fall. In the first two weeks of April, it
has reduced by $2.7 billion

➢ Limits for foreign ownership of domestic bonds have been raised by 9%

for the current financial year

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 Financial Services

Investment
Mutual Fund Strategy:
Smart Switch
Street Smart Portfolio
Smart Index Portfolio Insurance
Smart Equity Savings Fixed Income
Smart Tax
Micro SIP
Term Plans Will & Estate
Guaranteed Plans
Basket Portfolio Low Cost ULIPs
Bonds Planning
Market Linked Debentures
Corporate Portfolio
NCD
Health Plans Corporate Deposits
Alternates:
PMS
AIF
Pre-IPO
 Smart Switch
1M
Switch Period
3M 6M/9M/12M
6M
Min Amount
Rs. 2 Lacs
9M
⮚ Suited for lumpsum investments
12M
⮚ Systematically achieve asset
allocation while having debt
cushioning
Conservative
SBI Magnum Low Duration Reg Gr SBI Focused Equity Reg Gr
⮚ Customizable for different equity 60% Equity Allocation
allocations PGIM Ultra Short Term Reg Gr PGIM Flexi Cap Reg Gr
0%/20%/40%/60%/80%/100% Balanced
Axis treasury Advantage Gr Axis Midcap Gr
80% Equity Allocation
⮚ Allocation can be changed at later
Mirae Asset Savings – Reg Gr Mirae Asset Large Cap Reg Gr
date
Aggressive
Invesco India Treasury Adv Gr Invesco India Contra Gr

Illustration 100% Equity Allocation

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 Street Smart Portfolio One
Illustration

(Opportunistic/ Thematic) SBI Bank & Financial Service

40% Weightage on Nifty

ICICI Pru Technology

Playing on the digital tech story of
India
⮚ Basket of Select opportunities based on the current market
Tata Infrastructure
Anticipated spend on the capex from
⮚ Focus of government spending and digitization. the gov

⮚ A combination of funds with financials, Technology and

infra businesses
Illustration
Switcher
SBI Low Duration-Reg Gr SBI Bank & Financial Service
⮚ A tactical consumption diversification compared to
traditional passive investments ICICI Pru Savings-Reg Gr ICICI Pru Technology

Tata Treasury Adv.-Reg Gr Tata Infrastructure

Holding Period: >1 year
Risk: High

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 Smart Index Portfolio
⮚ Basket of Select opportunities
based on the current market
⮚ Focus on passive equity
investment.
⮚ A combination of funds with
exposure in Nifty 50 & Nifty Next 50
- Equity
⮚ A combination of funds with
exposure in Debt ETF
Holding Period: >1 year
Investment Style: Passive
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Illustration
Equity Basket
UTI Nifty Index Fund
Investing in stocks of companies comprising Nifty
50 Index
DSP Nifty Next 50 Index Fund
Investing in companies which are constituents of
Nifty Next 50 Index
Illustration
Illustration
International Basket
Debt Basket
EMF Bharat Bond ETF FOF NAVI US Total Stock Market FoF
Long Duration debt funds Invests mainly in Long term capital appreciation by
bonds maturing in more than 7 Yrs. investing in units of the Vanguard Total
Stock market ETF..
Edelweiss Nifty PSU Bond Plus SDL
Index Fund FoF
Medium to Long Duration Debt funds Invesco EQQQ Nasdaq - 100 ETF
invests mainly in bonds maturing in 4-7
Yrs
FoF ( NFO)
Generates capital appreciation by
AXIS AAA Bond Plus SDL ETF FoF
investing predominantly in units of
Invesco EQQQ - 100 UCITS ETF.
Medium to Long Duration Debt funds
invests mainly in bonds maturing in 4-7
Yrs
 Smart Equity Savings

Illustration

⮚ Equity Tax Benefit @ 10% LTCG & @15% STCG with debt like
Portfolio
returns

ICICI Equity Savings

⮚ The Funds invest about a third of money each in Equity, 33% of the portfolio
Arbitrage & Debt opportunities
Mirae Equity Savings
34% of the portfolio
⮚ Suitable for investors who cannot withstand to much of
volatility Kotak Equity Savings
33% of the portfolio

⮚ Investment horizon should be greater than a year.

⮚ Min Amount: Rs. 2500

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 Tax Savings
(ELSS)
Illustration

ELSS Basket
⮚ 80C Tax Benefit up to 1.5L pa on investment
Axis Long Term Equity
⮚ Can save up to Rs. 49,500 on taxes 20% of the portfolio

Mirae Asset Tax Saver

⮚ With 3 years lock-in, ELSS has the lowest lock-in amongst the 40% of the portfolio
80C options
PGIM Tax Saver Plan
40% of the portfolio
⮚ Only 80C option with 100% equity participation

⮚ Min Amount: Rs. 2500

Click Here For:

9
 Micro SIP
Equity Funds Hybrid Funds Debt Funds

⮚ Micro SIP with Rs. 1,000 per

Kotak Bluechip SBI Equity Hybrid DSP Corp Bond Fund
fund
Large Cap Aggressive Hybrid Corporate Bond Fund

⮚ Create customized portfolio
with any combination of
funds
DSP Mid Cap Fund ICICI Balanced Advantage Invesco Short Term Fund
Midcap Fund Dynamic Asset Allocation Short term Bond
Invesco Contra Fund Absl Banking & PSU Debt
Value Oriented Fund Banking PSU Debt

⮚ Ideally suited for small

3 Different Equity Categories 25% - 65% debt allocation Below 2.5 y average maturity
saving plans with long term
wealth creation approach

⮚ Min. Period: 1 Year

⮚ Min Amount: Rs. 1000

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 Basket Portfolio

Illustration

Wealthy Short Term Debt

Axis banking & PSU Debt Illustration
ICICI Pru Corporate Bond
Wealthy Long Term
ABSL Short Term Aggressive
Mirae Large Cap
SBI Focused Equity
Axis Midcap
Illustration Illustration
Wealthy Debt Hybrid
ICICI Pru Corporate Bond
Illustration
ABSL Short Term
Mirae Large Cap Wealthy Equity Hybrid
Mirae Large Cap
PGIM Flexi
Illustration Axis Banking & PSU Debt
Wealthy Balanced
Tata BAF Illustration
Edelweiss BAF
ICICI Equity & Debt

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 Corporate
Portfolio
Fund Snapshot ( data as on 31st March 2022)

1 Mth 3 Mth 6 Mth 1 Yr.. 3 Yr.. 5 Yr..

Fund Name YTM
Ret (%) Ret (%) Ret (%) Ret (%) Ret (%) Ret (%)

⮚ Unlike Fixed Deposits attracts no TDS,

making it better for corporate treasury Aditya Birla Sun Life Savings Fund 4.79 0.41 1.21 2.01 4.17 6.05 6.68

management
Axis Short Term Fund 5.36 0.42 1.02 1.61 4.34 7.20 6.99

⮚ Zero Exit Load vs Premature withdrawal HDFC Short Term Debt Fund 5.57 0.31 0.79 1.44 4.58 7.55 7.39

charges in Fixed Deposits

ICICI Prudential Savings Fund 4.96 0.56 0.79 1.22 4.17 6.50 6.83

⮚ Withdrawal settlement in T+1 working day Kotak Banking and PSU Debt Fund
5.68 0.33 0.81 1.50 4.93 7.70 7.46
Regular Plan

⮚ High quality underlying paper Kotak Low Duration Fund - Standard Plan 5.08 0.39 0.88 1.52 3.82 6.06 6.59

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 WEALTHY SELECT FUNDs
Wealthy Select Equity Funds Wealthy Select Debt Funds

13
 Alternates

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 PMS ASK IEP
+ Large Cap Strategy
+ 20 Stock Portfolio
+ AUM Rs. 11,300 Cr
+ Fixed 2.5% Annual Fee
+ STP Option
⮚ Alternative to unmanaged/DIY direct + Expected Return: 13%-15% pa
stock investment + Min. 3 Year Holding
Preservative
⮚ Proven track record to manage Click Here: Info
focused portfolios
Ambit Coffee Can
⮚ Suggested 3+ year holding period
+ Large Cap Strategy
+ 15 Stock Portfolio
+ AUM Rs. 450 Cr
⮚ Min. Rs. 50 Lacs + Fixed 2.5% Annual Fee
+ STP + Rs. 2.5 Lac Monthly opt
+ Expected Return: 14%-16% pa
+ No min. Holding period
Preservative
Click Here: Info
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White Oak IPEP
+All Cap Strategy
+20 stick Portfolio
+AUM Rs. 6627 Cr
+Fixed 2.5% Annual Fee
+STP Option
+Min. 3 Year Holding
Preservative
Click Here: Info
Ambit Good & Clean
+ Mid Cap Strategy
+ 15 Stock Portfolio
+ AUM Rs. 365 Cr
+ Fixed 2.5% Annual Fee
+ STP + Rs. 2.5 Lac Monthly opt
+ Expected Return: 16%-18% pa
+ No min. Holding period
Moderately Aggressive
Click Here: Info
 AIF
ASK Golden Decade Fund
Type: Category III, Long-only close-ended AIF
Focus Sectors: Agri, Consumer Durable, Tech, Auto Ancillary
Tenor: 4 Years close-ended from the date of Final Closing, can be
extended by another 2 Years
Exit Load: 5% in Year 1, 4% in Year 2, 3% in Year 3; 1% in Year 4; all
from Final Closing
Drawdown: 1st 30%, 2nd 35% & 3rd 35%
Management Fee: 2.5% Info
Investment Philosophy- ASK Golden Decade
IIFL Special Opportunities Fund SR 10
Concentrated Stock Portfolio: 15-20 companies with proven business seeking
IPO in ~3 Yr...
Focus sectors: Healthcare, Financial Services, Consumer
Relationship and influence: Incumbent PE Investor(s) known to IIFL
Performance: Industry/category leadership
Flexibility: Deal Term/structure: primary & secondary
Exit: Clear path to IPO or committed strategic exit
Drawdown: Initial Investment is 30% and subsequent drawdown over 3 yr.
Tenor: 5 Yrs. + 1Yr + 1 Yr.
Management Fee: 2% + Profit share 20%; Hurdle rate 10% Info
 Pre-IPO Stocks Imagine Marketing (Boat)
+ One of the largest Indian digital-first
brands with leading market positions across
multiple fast-growing products
+ PAT and Revenue both have grown more
than 2X in past couple of years.
+Backed by strong investors such as Warburg
Pincus Fireside Ventures & Qualcomm
Ventures
Information
⮚ High quality Pre-IPO stocks Indicative Price- Please Contact

⮚ About to go for an IPO in near

future
⮚ A complete transparent security
transaction process
Five Star Business Finance
+ Non-Banking Finance company
+ Small Business Loans & Mortgage Loan
+ Caters to the Indian Segment: small
venders, maids, masons & SME: that forms
the backbone of India economy
+ Loan Disbursements : Rs. 2409 Crs
+ PAT: 4 years CAGR of 137%
HBD Financial Services
+HDB is one of the largest NBFC’s in India &
a wholly-owned subsidiary of HDFC bank
+ Lending comprises of consumer loans,
business loans, loan against property, asset-
backed finance and micro lending
-Profitable sine 204, in FY22, PAT growth is
158%

Information
Indicative Price- Please Contact Indicative Price- Please Contact

17
 Fixed Income

18
 Bond
Date of
Interest Maturity/Call Interest Pay
Bank Bonds Rate Date Dates YTC Rating

8.50 % State Bank of India Perpetual 8.50% 22-Nov-24 22-Nov 7.27% AA+ (CRISIL)

8.70 % HDB Financial Services Limited Perpetual 8.70% 29-Nov-29 29-Nov 7.80% AAA (CRISIL)

Interest Date of Interest Pay

Tax Free Bonds Rate Maturity Dates YTM Rating

7.28 % NHAI 2030 7.28% 18-Sep-30 01-Apr 4.72% AAA

7.35 % (7.64 %) NABARD 2031 7.35% 23-Mar-31 23-Mar 4.72% AAA

7.35 % (7.64 %) IRFC 2031 7.35% 22-Mar-31 15-Oct 4.72% AAA

Interest Date of Interest Pay

Private Bonds Rate Maturity Dates YTM Rating

9.81 % Hero Fincorp Limited 2028 (Subdebt) 9.81% 24-Nov-28 06-Dec 7.80% AA+ (CRISIL)
8.00 % Mahindra & Mahindra Financial Services Limited
2027 (Unsecured) 8% 24-Jul-27 01-Apr 7.70% AAA (India Ratings)

** All rates & availability are subject to the market

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 Corporate Deposits

Bajaj Finance Limited

Cumulative Non-Cumulative
Tenor
ROI Monthly Quarterly Half Yearly Annual

15 months 6.00% 5.84% 5.87% 5.91% 6.00%

18 months 6.10% 5.94% 5.97% 6.01% 6.10%
22 months 6.25% 6.08% 6.11% 6.16% 6.25%
30 months 6.50% 6.31% 6.35% 6.40% 6.50%
33 months 6.65% 6.46% 6.49% 6.54% 6.65%
44 months 7.10% 6.88% 6.92% 6.98% 7.10%
HDFC Limited (Green & Sustainable Premium)
Cumulative Non-Cumulative
Tenor
ROI Monthly Quarterly Half Yearly Annual

15 months 5.80% 5.60% 5.65% 5.70% -

18 months 5.90% 5.70% 5.75% 5.80% 5.90%
22 months 6.05% 5.85% 5.90% 5.95% 6.05%
30 months 6.10% 5.90% 5.95% 6.00% 6.10%
40 months 6.45% 6.25% 6.30% 6.35% 6.45%

**for senior citizen customers (up to 0.25% above card rate)

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 Insurance

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 Term Plans HDFC Term Plan:
Click2Protect

+ Lump Sum/Regular income

option

+ 99.04% Claim settlement

⮚ Cover for financial stability for family in case rate

of loss earning member Click Here For: Information

⮚ Important Options: Pure term / Return of

Premium / Limited pay TATA Term Plan: Sampoorna ICICI Term Plan:
Raksha Supreme iProtect
+ Life Option + Lump Sum/Regular income
with inflation adjusted
⮚ Important Riders: Critical illness, Accident + Life Plus Option
+Life Income option
Cover +Credit Protect
+ Whole Life Cover: 100 Yrs.. + Terminal Illness is built-in

⮚ Qualifies under Section 80C Information Click Here For: Information

Click Here For:

Click Here: 5 Pay, 10 Pay, Regular Pay price comparison

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 Guaranteed Plans HDFC Life Sanchay Par
Advantage
HDFC Life Sanchay Plus

+ Regular Premium
+ Bonus from 1st year
+ Guaranteed TAX FREE income
+ TAX FREE income
+ Life Insurance cover of 10X
⮚ Regular cash flow after retirement + Participating product
+ Limited pay options available
+ Death & surrender benefits

⮚ Guaranteed return on corpus

Click Here For: Information IRR
Click Here For: Information IRR

⮚ Options: Immediate Annuity & Deferred Annuity

TATA AIA GRIP TATA AIA Fortune Guarantee
Plus
+ Flexibility to choose
⮚ Options: Life Long & Return of Premium to Endowment/Regular or Whole Life + Flexibility to choose Regular Income
Income. Monthly/Annually & Critical Illness
Nominee
+ Tax Free Income + TAX FREE income

+ Available both in Single & Joint Life in + Choice of PPT & Optional Riders
⮚ 80C Tax benefit for annuity plans Whole Life option
+ Death & Critical Illness Benefits
+ Death & Maturity Benefits

Click Here For: Information Click Here For: Information

23
 Low Cost ULIPs

⮚ Life cover with market participation

HDFC Classic One HDFC Click 2 Invest

⮚ Zero capital gain tax for up to Rs. 2.5 Lac annual
Single Premium ULIP with 10X Regular pay with 10X cover
contribution under Section 10(10D). Comes with 5
cover. Policy Term 10 Yr..
years lock-in Market Participation
Joint Life option is ideal for
working couples Policy Term: 5/10/15/20 Yr..

⮚ Option to invest and switch across 10 different Click Here For: Click Here For:
equity & debt funds Information Illustration
Information Illustration

⮚ No cost to switch across funds for up to 4 per

annum

⮚ Qualifies under 80C

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 Health Plans Care Health HDFC Ergo -
Health Suraksha

+ Best in class customer + Industry leading claim

service settlement ratio

+ Domestic and global + Known for good

⮚ Cover for hospitalization expenses
hospital cover customer service

Click Here For: Information Click Here For: Information

⮚ Individual Family Floater & top-up's Premium Chart Premium Chart

⮚ Important things to consider: Waiting

Period & Pre-existing diseases Niva (Max) Bupa -
Health ReAssure

+ Affordable Premiums
⮚ Important Rider: Critical Illness
+ 65+ year family members
covered
⮚ Qualifies under 80D Click Here For: Information
Premium Chart

25
 Estate &
Will Planning

26
 Will &
Estate Planning
Will & Estate
Planning
+ Legal & enforceable in nature
⮚ Will & Estate Planning are legally binding agreements
+ Trust formation for beneficiary to reduce
tax implications
⮚ Estate comprises everything you have including car,
+ Takes care of your loved ones
house, investments, bank a/c, real estate etc.
+ Distributing your hard earned assets as per
your wish
⮚ It's all about “When” specified event takes place, “What”
needs to be done to your Estate.
Click Here For:

Information
⮚ “Will” ensures your assets distributed as per your wish to
your loved ones.

27
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