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Quantum Multi Asset Fund

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What is Multi Asset class investment?

A combination of asset classes (such as cash, equity or bonds) used as an investment. A Multi-Asset class investment would contain more than one asset class, thus creating a group or portfolio of assets.
Why Multi Assets are better investment options over single asset class?

Multi-Asset class investments increase the diversification of an overall portfolio by distributing investments throughout several classes. This reduces risk (volatility) compared to holding one class of assets.

For example, a Multi-Asset class investor might hold bonds, stocks, cash and real property, whereas a single-class investor might only hold stocks. One asset class might outperform during a particular period of time, but historically no asset class will outperform during every period.
What is Quantum Multi Asset Fund (QMAF)?

Quantum Multi Asset Fund is a Fund of Funds scheme which will invest in various Quantum Mutual Fund Schemes. These schemes of QMF will fall in to different asset classes of Equity, Gold and Debt.
What is the Investment Objective of the scheme?

The investment objective of the Scheme is to generate modest capital appreciation while trying to reduce risk (by diversifying risks across asset classes) from a combined portfolio of equity, debt / money markets and Gold schemes of Quantum Mutual Fund.

The Scheme may invest in the units of debt / money market schemes of other mutual funds to gain exposure to debt as an asset class to manage any investment and regulatory constraints that arise / that prevent the Scheme from increasing investments in the schemes of Quantum Mutual Fund.
Why should I invest in the scheme?
Investors looking for diversification/Multi-Asset allocation by investing in Debt, Equity and Gold, a combination of assets that works through the economic cycles should invest in QMAF. Also few points about Quantum Multi Asset Fund and its USP should be noted:
- Static v/s Dynamic Portfolio Allocation: Ideal asset allocation is not static. Asset allocation needs to change depending on an asset class’s relative performance vis-à-vis other asset class.
- Systematic Portfolio Rebalancing: As the various markets move through cycles, their varying performance leads to an asset class imbalance, so monitoring and realignment is imperative.
- We do it for you/Peace of Mind: No need to monitor various markets and rebalance your portfolio / investments according to market trends.
- Maximizing Diversification: Diversification across asset classes and within asset classes by investments through mutual fund scheme.
- Simple Investing: No hassles of investing in three different schemes under three different asset classes and then monitoring them separately. Gain the assets allocation advantage by investing in one single scheme.
- Add on Facilities: All the add-on facilities like SIP, STP, SWP, Trigger etc. will be available Post NFO.
- Convenience and Liquidity: Complete flexibility to transact on all business days.

What is the minimum transaction amount for the scheme?

Minimum Amount	Amount in Rs.
Initial Investment	Rs. 500/- and multiples of Rs. 1/- thereafter
Redemption/ Switch Out	Rs. 500/- and multiples of Rs. 1/- thereafter / 50 units
Initial Investment	Rs. 500/- and multiples of Rs. 1 thereafter OR account balance whichever is less / 50 units

What will be the price or NAV if I apply during the NFO period? And after the NFO?

The price or NAV for applications during the NFO period will Rs. 10 only.
After the NFO period is over; the scheme will reopen on 16th July 2012.
You can invest at applicable NAV which will be published daily after the scheme reopens.
What are the entry and exit charges for the scheme?

There is no entry charge for investing in the scheme. Quantum Mutual Fund does not charge Entry Load since Inception. We were the first mutual fund in India to launch “NO Entry Load Schemes” much prior to the ban of entry load by SEBI in August 2009.

The exit charge is applicable as follows:

Exit Load: 1.5 % if redeemed or switch out on or before 1 year from the date of allotmentof units.
What are the different options/facilities available in the scheme?

The scheme offers Growth Option only.

Please note that Dividend option is not available under this scheme.
What are the different features available in the scheme?

SIP, SWP, STP and Trigger is available in the scheme post NFO.

The following features are available in the scheme:

Systematic Investment Plan (SIP): This feature enables investors to save and invest periodically over a long period of time.

Systematic Withdrawal Plan (SWP): This feature enables an investor to withdraw sums from their Unit accounts in the Scheme at periodic intervals through a one-time request.

Systematic Transfer Plan (STP): This feature enables an investor to transfer fixed amounts from their accounts in the Scheme to the other schemes from time to time.

Triggers: Triggers are options provided to the Unit holder to enable automatic switch of investments on the happening of the desired event.
Where will the scheme invest?

The Scheme will predominantly invest in the units of the Equity, Debt / Money Markets and Gold Schemes of Quantum Mutual Fund.

The following schemes would be used for gaining exposure to particular asset class:

Equity – Quantum Long Term Equity Fund, Quantum Index Fund (ETF)

Debt – Quantum Liquid Fund

Gold – Quantum Gold Fund (ETF)

How will the scheme allocate its assets?

The asset allocation under the Scheme, under normal circumstances, will be as follows:

Instruments	Indicative allocations (% of total assets)		Risk Profile
Instruments	Minimum	Maximum	High/Medium/Low
Units of Equity Schemes	25	65	Medium to High
Units of Debt / Money Market Schemes	25	65	Low to Medium
Units of Gold Scheme	10	20	Medium
Money Market instruments, Short-term Corporate debt securities, CBLO, Repo / Reverse Repo in government securities and treasury bills only	0	5	Low

What is the portfolio of the scheme?

This is a new scheme and does not have any portfolio investments.
How has the scheme performed?

This is a new scheme and does not have any performance track record.
How will the scheme benchmark its performance?

The Scheme’s performance will be benchmarked against Crisil Composite Bond Fund Index (40%) + Sensex Total Return Index (40%) + Domestic price of Gold (20%). The Benchmark has been selected as the Scheme being Fund of Funds scheme predominantly investing in the units of Equity, Debt / Money Markets and Gold schemes of Quantum Mutual fund. Therefore, the aforesaid benchmark is most suited for comparing performance of the Scheme.
How can I Invest in the scheme?
Contact us directly on 1800-209-3863/1800-22-3863, or write to us at CustomerCare@QuantumAMC.com and we will help you with your investments.

You can invest in Quantum Mutual Fund Schemes through the following three modes:
1. Online : Through internet transacting facility (for existing investors only during NFO)
  (For New Investors; available after the scheme reopens)
2. Offline : Directly by submitting physical transactions
3. Through the stock exchange platform
Online: Through internet transacting facility for new investors

Invest Online is an internet based online transaction service offered by Quantum Mutual Fund through its website www.QuantumMF.com. Please follow the steps mentioned below
1. Visit Quantum Invest Online on www.QuantumMF.com.
2. Select a scheme, enter your name, telephone number, email ID and permanent account number (PAN).
3. Through the PAN, the system will run a quick check on your KYC status. (As per the Securities and Exchange Board of India's (SEBI) MF guidelines, you need to be KYC compliant to be able to invest in MFs.)
4. Once the system establishes you as KYC-compliant, it allows you to open an online account. (By virtue of procuring your KYC-compliance, we will also procure your physical signature that you would have given at the time of applying for KYC. This is to enable processing any offline request that you may have).
5. Now fill out other details such as your bank account details, and opt for your own username and password (just like you'd open an email account).
6. Log into your Internet banking account or transfer the amount through NEFT or RTGS.
7. You can also use your debit card or prepaid card for transferring the amount.
Offline: Directly by submitting physical transactions

You can download the same from our website.

Alternatively, you can collect the application form from any of our office at Mumbai, Chennai and HDFC bank collection centers.

Applications complete in all respects, can be submitted at:-
1. Quantum Asset Management Company Private Limited: Mumbai: #505, 5th floor, Regent Chambers, Nariman Point, Mumbai-400021.
2. Quantum Asset Management Company Private Limited :Chennai: Office No. 657, Regus Business Centre, No. 10/11, Chennai City Centre, Dr. Radhakrishnan Salai, Mylapore, Chennai - 600004.
3. Designated HDFC Bank branches. Visit www.QuantumMF.com to see the HDFC Bank collection centers closest to you.
Through the Stock Exchange Platform

Quantum Mutual Fund schemes are now available on the stock exchange (BSE/ NSE) platforms for transactions (purchase/redeem) of units. Investors can approach a trading member of BSE or NSE registered with stock exchange as participant (and who is also registered with AMFI as Mutual Fund Advisor) to avail transaction facility through stock exchange platforms. Please contact your broker/distributor for details.
Who can invest in the scheme?
The following persons are eligible and may apply for subscription to the Units of the Scheme (subject, wherever relevant, to purchase of units of mutual funds being permitted under relevant statutory regulations and their respective constitutions):
1. Resident adult individuals either singly or jointly (not exceeding three); or on an Anyone or survivor basis.
2. A Hindu Undivided Family (HUF) through its Karta
3. An Association of Persons or a body of individuals whether incorporated or not.
4. Minors through parent/legal guardian;
5. Partnership Firms;
6. Companies, Bodies Corporate, and societies registered under the Societies Registration Act, 1860;
7. Banks & Financial Institutions;
8. Religious and Charitable Trusts, Wakfs or endowments of private trusts (subject to receipt of necessary approvals as required) and Private trusts authorised to invest in mutual fund schemes under their trust deeds;
9. Non-Resident Indians (NRIs/) Persons of Indian origin residing abroad (PIO) on repatriation basis or on non-repatriation basis;
10. Foreign Institutional Investors (FIIs) registered with SEBI on repatriation basis;
11. Army, Air Force, Navy and other para-military units and bodies created by such institutions;
12. Scientific and Industrial Research Organisations;
13. Multilateral Funding Agencies/Bodies Corporate incorporated outside India with the permission of Government of India/Reserve Bank of India;
14. Other schemes of Mutual Funds registered with SEBI subject to the conditions and limits prescribed by SEBI Regulations;
15. Trustee, AMC or Sponsor or their associates may subscribe to Units under the Scheme.
16. Such other individuals/institutions/body corporate etc., as may be decided by the Mutual Fund from time to time, so long as wherever applicable they are in conformity with SEBI Regulations.
Who cannot invest?
It should be noted that the following persons cannot invest in the Scheme(s):
1. Any person who is a foreign national.
2. Overseas Corporate Bodies (OCBs) shall not be allowed to invest in the Scheme. These would be firms and societies, which are held directly or indirectly but ultimately to the extent of at least 60% by NRIs and trusts in which at least 60% of the beneficial interest is similarly held irrevocably by such persons (OCBs).
3. Non-Resident Indians residing in the USA and Canada or an FATF (Financial Action Task Force) non-compliant country/territory.
  The Fund reserves the right to include/exclude new/existing categories of Investors to invest in the Scheme from time to time, subject to SEBI Regulations and other prevailing statutory regulations, if any.
What is KYC (Know Your Client)?

KYC means Know Your Customer. Every intermediary (including Mutual Funds) is required to have a Client Identification Program and frame a KYC policy, which means knowing your customer by seeking information and supporting documentation about the customer's identity and address, besides other information like nationality, income source, and occupation etc.

What are the tax implications for the scheme?

Please read the following:

Tax on Dividend Distributed (payable by the scheme) *

Resident Investors - NIL.
Non Resident Investor – NIL
Mutual Fund

12.50% on income distributed to any person being an individual or HUF
30% on income distributed to any other person

(b) Tax on Capital Gains *	Long Term	Short Term
Resident Individuals & HUF	20% with Indexation or 10% without Indexation	Maximum 30%
FII's / Overseas Financial Organizations	10% without Indexation	40% in case of foreign companies & 30% in case of others
Partnership Firm	20% with Indexation or 10% without Indexation	30%
Non Resident Indians	20% without indexation	30%
Indian Companies	20% with Indexation or 10% without Indexation	30%
Foreign Companies	20% without indexation	40%

* The mentioned Tax Rates shall be increased by applicable surcharge & Cess.
For further details on Taxation please refer the clause of Taxation of SAI.

What are the NFO dates?

NFO opens on: 22nd June, 2012 and closes on: 5th July, 2012

Scheme reopens on: 16th July, 2012

Please read the Scheme Information Document (SID) carefully for more details.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

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