What is your Financial Resolution for 2017?

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1 Issue What is your Financial Resolution for 2017? Ventura Research Desk: The article for this month, What is your Financial Resolution for 2017? reveals the appropriate financial resolutions for different stages of life. The top performing equity and debt mutual fund schemes are highlighted on Page 6 & 7. Happy Investing!! Juzer Gabajiwala Markets: The Sensex and Nifty 50 fell by -0.10% and -0.47%, respectively, in the month of December Market participants are in a 'wait and watch' mood as they analyze the impact of demonetization on various segments of the economy. This uncertainty on the demonetization front and the time taken for recovery is leading to volatility in the market. The Consumer Price Index (CPI) for November fell sharply to 3.63% against 4.2% in October. It was the lowest rate since November, 2014,on account of a sharp decline in food prices, which slowed to 2.11% from 3.32%. This fall in inflation was also due to a slowdown in consumer demand, owing to Prime Minister Modi's sudden move, in early November, to ban high value currency notes. Also, the 10 year G-Sec yield rose by 26 bps to end at 6.51% compared to 6.25% last month, as the RBI kept the repo rate unchanged at 6.25%.The Index of Industrial Production (IIP) declined 1.9% in October as compared to 0.7% in the previous month as most industries in the manufacturing sector showed negative growth. According to data released by SEBI, FIIs were net sellers in the equity markets during the month of December 2016, with a total sale of Rs.8,176 crore. Mutual funds were net buyers with total purchases of Rs. 9, 179 crore. Investment Trends 1

2 Global Indices Returns - 1 Month *Returns as on Dec 30, 2016 Global Indices Returns: Global markets were in the mixed zone during the month of December 2016, with the DAX gaining the most. Among the Indian benchmark indices, the S&P BSE Sensex and Nifty 50 fell by -0.10% and -0.47%, respectively, in December Top 5/Bottom 5 Equity Schemes Top Performers Scheme Name DSPBR Natural Res & Under Performers Absolute Ret. % (1Y) Scheme Name Absolute Ret. % (1Y) SBI Pharma Fund New Energy Fund SBI Magnum Comma Fund Reliance Pharma Fund Sundaram Rural India Fund UTI Pharma & Healthcare Fund ICICI Pru Bnkg & Fin Serv Fund Reliance Eq. Opportunities Fund CPSE ETF BNP Paribas LT Equity Fund Debt Schemes Top Performers Scheme Name ICICI Pru Long Term Gilt Fund Under Performers Annualised Ret. % (1Y) Scheme Name Franklin India CMA Annualised Ret. % (1Y) 6.33 ICICI Pru Gilt-Invest-PF MOSt Ultra ST Bond Fund 6.34 Reliance Gilt Securities Fund HDFC Cash Mgmt-Call 6.41 ICICI Pru Long Term Plan L&T Cash Fund 6.48 L&T Gilt Fund Sundaram Income Plus 6.78 *Returns as on Dec 30, Funds having AUM above Rs. 100 Crores are considered. 2

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4 What is your Financial Resolution for 2017? One more year is over and we are stepping into the new year It is quite likely that most of us have not been able to follow our resolutions last year; in fact, we may have broken them in the first month of the year itself. However, where financial resolutions are concerned, no matter what stage of your life you are at, it is never too late to start planning or re-examining your finances afresh. Even if one tends to break those resolutions, they still act as a reminder that you need to plan. According to us, there are three different stages of an individual's financial life: 1.) 2.) 3.) Foundation Stage (Single and earning) Accumulation Stage (Married with kids) Maintenance Stage (Retired) Let us see what financial resolutions one can look at during these different stages of life: Foundation Stage (Single and earning): This is the stage where most youngsters are not dependent on their parents for their expenses. With a regular flow of income comes the independence to spend on technology products, entertainment, shopping, etc. There is a tendency to spend on discretionary items without thinking even once. This leads to no savings at the end of the month. And having little or no savings at the end of the month, on a regular basis, could develop into a bad financial habit that stays with us for life. Avoid unnecessary expenses. Let's say, for example, that you are spending Rs. 100 per day on a coffee at a cafe. When you pick up that cup, an amount of Rs.100 may not seem like much. But over a month it amounts to Rs and becomes a whopping Rs. 36,000 for the year. We are not saying it is a wrong thing to do, but rather than spending your money on coffee, if you invest Rs 3000 per month through a SIP, it could become approx. Rs. 7 lacs after 10 years (assuming p.a.). Financial Resolution: SPEND LESS, SAVE MORE. 4

5 Accumulation Stage (Married with kids): This is the stage to accumulate enough assets for your future retirement and plan for financial goals like your children's education and marriage, purchase a home, etc. But have you created a plan that enables you to build a corpus for each of these goals? And more importantly, do you follow that plan which you have created? In addition to your plan for each goal, you should have a life insurance cover, which will be helpful to your dependents in case of an unfortunate event. To achieve these goals, you should start investing in investment products which can generate good and reasonable returns over the long term. Financial Resolution: FINANCIAL GOAL. CREATE A CORPUS FOR EACH Maintenance Stage (Retired): After retirement, most of us invest in fixed income instruments, like bank fixed deposit, for safety. However, we end up earning low returns on such products and still pay taxes on what we earn from them. In order to ensure that a retirement corpus stays robust, one should consider a combination of fixed income instruments, such as Debt mutual funds which offer high returns along with tax efficiency. Financial Resolution: PROTECT CAPITAL AND BEAT INFLATION. After you invest, just follow Kevin O'Leary's rule of thumb, NEVER SPEND THE PRINCIPAL, ONLY THE INTEREST. A year can make a difference!! Happy New Year and Happy Investing in

6 Performing Mutual Fund Plans Debt and Hybrid Funds Corpus (Rs. Crs)# NAV (Rs.) Gr CAGR (%)* Div 1 yr 3 yr 5 yr Income Funds 15, IDFC Dynamic Bond Fund-Reg(G) 5, HDFC High Interest-STP(G) 2, HDFC Gilt-Long Term Plan(G) 3, Reliance Gilt Securities Fund(G) 1, , Franklin India MIP(G) Birla SL MIP II-Savings 5(G) Birla SL Dynamic Bond Fund-Ret(G) Gilt Funds IDFC G Sec-PF-Reg(G) Hybrid - Monthly Income Plans(MIPs) HDFC MIP-LTP(G) Crisil Composite Bond Fund Index Crisil MIP Blended Index Debt and Hybrid Funds Corpus NAV (Rs.) Annualised(%)* (Rs. Crs)# Gr Div 3 mths 6 mths 1 yr 20, , * Ultra Short Term Plan ICICI Pru Flexible Income Plan Kotak Treasury Advantage Fund 18, * Kotak Floater-ST 10, * Birla SL Cash Plus 25, ICICI Pru Liquid Plan 29, Reliance Money Manager Fund(G) Liquid Funds Crisil Liquid Fund Index *Returns are compounded annualized as Dec 30, *NAV for these schemes is of Monthly Dividend option and rest are for annual dividend option. # Monthly Corpus as on Nov 30,

7 Performing Mutual Fund Plans Equity and Hybrid Funds Corpus (Rs. Crs)# NAV (Rs.) Gr CAGR (%)* Div 1 yr 3 yrs 5 yrs Equity - Large Cap Birla SL Frontline Equity Fund Franklin India Bluechip Fund HDFC Top 200 Fund 13, , , Equity - Multi Cap Franklin India High Growth Cos Fund(G) 5, MOSt Focused Multicap 35 Fund-Reg(G) 4, Kotak Select Focus Fund(G) 6, , Equity - Mid & Small Cap HDFC Mid-Cap Opportunities Fund(G) DSPBR Micro-Cap Fund-Reg(G) 4, Mirae Asset Emerging BlueChip-Reg(G) 2, Franklin Infotech Fund(G) Reliance Pharma Fund(G) 1, Equity - Sectoral Tax Saving Scheme(ELSS) 10, DSPBR Tax Saver Fund-Reg(G) 1, Reliance Tax Saver (ELSS) Fund(G) 5, Birla SL Balanced '95 Fund(G) 5, HDFC Balanced Fund(G) 8, ICICI Pru Balanced Fund(G) 4, Axis LT Equity Fund(G) Balanced Fund Nifty 50 Index S&P BSE Sensex *Returns are compounded annualized as on Dec 30, # Monthly Corpus as on Nov 30,

8 Chandigarh Ghaziabad New Delhi Lucknow Jaipur Kanpur Allahabad Ahmedabad Patna Jabalpur Indore Vadodara Surat Guwahati Kolkata Nagpur Bhubaneshwar Ahmednagar Mumbai Pune Warangal Secunderabad Hyderabad Bangalore Coimbatore Chennai Tirupur Trichy Kochi GET LATEST INFORMATION ABOUT VENTURA Our blog Invest-mantra.com/blog Call us Visit us us Post a query mfcustomercare@ventura1.com This document is solely for private circulation only. Mutual funds like securities investments are subject to market risks and other risks. Investors are advised to read the offer document before investing. Corporate Office Address : I-Think Techno Campus, 8th Floor, B wing, Off Pokhran Road No. 2, Eastern Express Highway, Thane, Maharashtra Tel: mutualfunds@ventura1.com Website : 8

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