CASE STUDY

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 Investment Strategies – Model Portfolios

Growth Portfolio

Maximise long term capital appreciation by investing in growth focused

Objective
equity schemes

Suitability Long horizon investors (7+ years), comfortable with volatility

Asset Allocation 80 – 100% in Equity, 0 - 20% in Debt (including Hybrid Schemes)

Core – Flexi Cap, Large & Mid Cap, Large Cap & Value Funds
Portfolio
Satellite – Multi Cap, BAF, MAAF

Equity Funds – SIPs or STPs over 9 months, Hybrids – Lumpsum

Implementation
Rebalance annually or when equities exceed ±5%
 Investment Strategies – Model Portfolios

Growth + Income Portfolio

Combine capital growth with periodic income through a smart equity –

Objective
debt mix

Suitability Medium term investors seeking growth with some income (3-7 years)

Asset Allocation 60-70% in Equity, 30 – 40% in Debt (including Hybrid schemes)

Core - Hybrids like BAF, MAAF, ESF for automatic asset class adjustment
Portfolio
Satellite – Flexi Cap, Large & Mid Cap, Large Cap, Value Funds

Equity Funds – SIPs or STPs over 9 months, Hybrids – Lumpsum,

Implementation Income - SWP
Rebalance annually or when equities exceed ±5%
 Investment Strategies – Model Portfolios
Income Portfolio

Maximise long term capital appreciation by investing in growth focused

Objective
equity schemes

Suitability Long horizon investors (7+ years), comfortable with volatility

Asset Allocation 0 -25% in Equity, 65 -75% in Debt (including Hybrid schemes)

Core - Debt Funds, Hybrids (BAF, MAAF, ESF) for asset class adjustment
Portfolio
Satellite – Flexi Cap, Large Cap

Equity Funds – SIPs or STPs over 9 months, Hybrids – Lumpsum

Implementation
Rebalance annually or when equities exceed ±5%
Using the financial goals,
amounts, and timelines
given, let us create a
personalized investment
portfolio for your
potential client.

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PRO
TIP

Explore Different Types of Calculators on AssetPlus Dashboard

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Case Study 1

Mr. A | Working male | Mid 20s

Total Investable Financial Goal Timeline

amount

Car Upgradation 3 years

Rs. 30,000 per month Vacation

5 years
once every year

Down payment for a home 7 years+

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Case Study 1
Identify criticality Define investment
of each goal horizon Match fund type

PRO
TIPS • Is the goal Match goals to Match with funds
non-negotiable? timelines: designed for that
• Or is it flexible/ • Short, medium or criticality level and
luxury-based? long term duration

Use Combination Strategies for Recurring Goals

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Case Study 1 - Model Portfolio
CAR ANNUAL VACATION HOME DOWN
UPGRADATION PLANNING PAYMENT

Goal Type Medium term; Non - critical

Mid to long-term; Non-critical Long-term; critical goal
goal hence better risk appetite
Hybrid funds such as Balanced Equity Funds (for SIP) & Hybrid
Fund Type Advantage or Multi Asset Funds such as BAF/MAAF, ESF Equity funds
Funds (for SWP)

Mode SIP SIP + SWP SIP with top up

Amount Rs.5,000 per month Rs.10,000 per month Rs.15,000 per month

After 7 years: ~Rs.19lacs

After 3 years: ~Rs. 2.1 lacs After 5 years: ~Rs.8.2lacs
Add annual top up of 10%: ~Rs. 26 lacs
Expected A down payment for a new car Starting in year 5, set up an The top-up feature significantly
Investment that can significantly reduce SWP to fund annual vacations. boosts the compounding
Outcome EMI for an affordable upgrade For example, if Mr. A withdraws power of SIP, making it
Rs. 1 lac annually (with a 6% especially beneficial for long-
inflation), his corpus will last 10 term investments
years-five years longer than his
initial investment
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Case Study 2

Ms. B | Working female | Mid 20s

Total Investable
amount Financial Goal Timeline
Building gold
Long-term backup
investment
Rs. 30,000 per month
Accumulating capital for
5 years +
self-business

Emergency fund from

Rs. 1,00,000
existing savings

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Case Study 2

Match investment goal Risk alignment

PRO
TIPS Look for specific Ensure choice of
funds that match funds matches with
specific financial risk appetite of
needs investor and end goal

Use Smart investing tools

To maximise investing benefits

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Case Study 2 - Model Portfolio

GOLD INVESTMENT BUSINESS CAPITAL EMERGENCY FUND

Goal Type Mid to long-term; Moderate

Long-term Assumed short term; Critical goal
risk appetite

Equity funds –large, large &

Fund Type Gold Fund midcap; flexi/multi caps; value
Short term funds – liquid funds,
arbitrage funds (equity taxation)
funds

Mode SIP SIP Lumpsum

Amount Rs.10,000 per month Rs.20,000 per month Rs.1,00,000

Expected
Investment After 20 years: ~Rs. 23 lacs After 5 years: ~Rs.16.5lacs
Outcome

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Case Study 3

Mr. C | Married working male with child | Mid 30s

Total Investable Financial Goal Timeline

amount
Child Education >10 years
Rs. 50,000 per month
Retirement fund with
>20 years
pension

Rs. 20,00,000 Inheritance investment Varying

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Case Study 3
Focus on long term Focus on wealth Risk
benefits creation management

PRO
TIPS Capitalize on the Consider using tools Limit risk potential
long-term nature of that can accelerate of lumpsum
goals with respect to wealth creation over investing
choice of funds while long term
keeping in mind
critical nature of goals

Layer your strategy

Use a mix of debt and equity based on time, risk, and criticality. That’s how pros keep portfolios resilient and up-to date.

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Case Study 3 - Model Portfolio
CHILD RETIREMENT FUND with INHERITANCE
EDUCATION pension INVESTMENT

Goal Type Long-term Long-term Varying

Equity funds – large midcap; In hybrid funds/via STP to address

Equity funds including specific flexi/multi caps; retirement funds volatility concerns of lumpsum
Fund Type child education funds investment – Balanced advantage
For SWP –BAF/MAAF, ESF fund, multi asset allocation fund

- Lumpsum in Hybrid funds

Mode SIP (+10% top up) followed by
SIP - Lumpsum in liquid funds and STP to
SWP/Payout option
equity funds

Amount Rs.20,000 per month Rs.30,000 per month Rs.20,00,000

Expected
Investment After 10 years: ~Rs. 46 lacs After 20 years: ~Rs.6 crores
Outcome

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Case Study 4

Mrs. D | Married working female with child | Mid 30s

Total Investable Financial Goal Timeline

amount
Overseas family
3 years
holiday
Retirement corpus
Rs. 50,000 per month >20 years
of Rs.5 crores

Expenses fund to aid

3-5 years
sabbatical for second
maternity

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Case Study 4

For medium term goals Focus on wealth creation

PRO
TIPS Considering low to You can consider
moderate criticality solution oriented
level, consider funds funds or long term
which can give better funds that match
returns over the critical goal funding
medium term

Accelerate wealth creation

Use top up feature to accelerate compounding of long term goals

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Case Study 4 - Model Portfolio
OVERSEAS FAMILY RETIREMENT FUND SABBATICAL
HOLIDAY CORPUS FUND

Goal Type Medium term - ~3 years Long-term Medium term - 3-5 years

Hybrid Funds like BAF, Equity funds – large midcap;

Fund Type flexi/multi caps; retirement funds Hybrid funds – BAF/MAAF & Equity
MAAF, ESF For SWP –BAF/MAAF, ESF Funds- Large, flexi, value funds

Mode SIP SIP (+10% top up) followed by SIP

SWP/Payout option

Amount Rs.5,000 per month Rs.25,000 per month Rs.20,000 per month

Expected
Investment After 3 years: ~Rs. 2.1 lacs After 20 years: ~Rs.5 crores After 5 years: ~Rs.15lacs
Outcome

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Case Study 5

Mr. E | Married working male with teenage child | Mid 40s

Total Investable Financial Goal Timeline

amount
Home Renovation 3-5 years

Late retirement
Rs. 75,000 per month >20 years
planning
Generating passive/second
income stream from
existing savings of
Rs.20,00,000
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Case Study 5

Take the risk where you can Make up for late start

PRO
TIPS Considering late start, Look at how you can
go for higher risk, plan investments to
higher return options cover up late start –
to fund less critical higher allocation, top
goals ups etc

Use combination strategies

Combine investing tools to take enhance benefits of lumpsum investing

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Case Study 5 - Model Portfolio
HOME LATE RETIREMENT GENERATING PASSIVE
RENOVATION PLANNING INCOME

Goal Type Mid to long term; non-critical goal Long-term Immediate

Equity funds – large midcap;

Fund Type Equity funds – large, flexi, value
flexi/multi caps; retirement funds Hybrid funds – ESF, BAF, MAAF
funds
For SWP –BAF/MAAF, ESF

SIP (+10% top up) followed by Lumpsum plus SWP (after 1

Mode SIP
SWP/Payout option year)

Amount Rs.25,000 per month Rs.50,000 per month Rs.20,00,000

Expected
Investment After 5 years: ~Rs. 20lacs After 15 years: ~Rs.4.3 crores SWP of varying amounts can be
Outcome set up

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Case Study 6

Mr. F | Male | Mid 50s approaching retirement

Total Investable Financial Goal Timeline

amount
Preservation cum growth
Rs.2,00,00,000 Immediate
of retirement corpus
(currently invested
in an equity MF) Setting up of Post-retirement
pension (5-7 years from now)
Setting up trust fund to
Rs.50,000 per safeguard minor child (late
month >10 years
marriage late child)

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Case Study 6
Focus on reducing Long term = focus on
risk wealth creation

PRO
TIPS Use investing tools Even for later goals,
that will preserve opt for wealth creation
existing investments funds when investing
whilst still maintaining duration is above 5
investment goal years

Use reverse combination strategies

Combine investing tools to steadily bring portfolio risk from high to low/moderate

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Case Study 6 - Model Portfolio
RETIREMENT CORPUS ESTABLISHING
PLANNING PENSION TRUST FUND

Goal Type Mid-term; critical goal 5-7 years from now; critical goal Long-term; critical goal

Switch from existing equity

Fund Type funds to less volatile Initiate once STP is complete Equity Funds
debt/hybrid funds

Mode STP SWP from debt/hybrid fund SIP

Withdrawal amount as per

Amount post-retirement need
Rs.50,000 per month

Expected
Investment Accumulate a corpus of
>Rs.1crore in less than 10 years
Outcome

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THANK YOU

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