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Are You Picking The Right Mutual Fund Scheme? Friday, Dec 31, 2021

Table of Contents
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1

Considerations while measuring mutual fund scheme performance

2

Align Mutual Fund Scheme & Investment Goals

3

What are Mutual fund schemes made up of

4

Mutual fund schemes in India


Dear Investor,

We have a question for you yet again.

Are you one of those who believe that Mutual funds are completely safe and there is no way they can hurt your money?

If yes, have you heard this – “Mutual Fund Scheme investments are subject to market risks, please read all documents carefully before investing”.

We are not saying that Mutual fund schemes are dangerous and should be avoided.

All we are saying is, you must have enough information and data before you get on the bandwagon.

So, before an investor goes on to invest in any mutual fund scheme, it is very important that he/she knows what a mutual fund scheme is made up of.

You see, a mutual fund scheme is made up of different types of investment instruments like stocks, bonds, or other securities.

A professional Fund Manager of a mutual fund scheme from an asset management company manages the investments received from mutual fund investors, both individual and institutional, as per scheme investment objective.

Money from both types of investors is collected and pooled to be invested in stocks, bonds, or other securities, as the fund manager deems fit as per scheme’s investment objective.

These investments are what a mutual fund scheme is made up of.

Now that you know what a mutual fund scheme is made up of, it is also important you know that your investments in a mutual fund scheme have to be aligned with your investment goals.

In short, you have to always pick a mutual fund scheme based on your investment goals.

When many investors with similar investment goals get together, it is easier for the fund manager to decide how much money goes in which type of investment.


However, aligning your goals is not the only thing you have to do when picking a mutual fund scheme to invest your hard-earned money in.

You need to have a better understanding of how you can measure a mutual fund scheme performance.

Mutual Fund Scheme Performance:

If you have made a decision to invest in a mutual fund scheme, the next action should be to put the mutual fund scheme performance to test.

Here is how you can do that:

Compare With Similar Funds:

Assessing a mutual fund scheme performance in isolation does not help in anyway. Find a few similar or comparable funds and continuously compare them. A simple mutual fund screener tool can help you with this.

Historical Performance Data

We know very well that past performance is no indicator of future performance. But it can only help an investor! The historical mutual fund scheme performance gives us an idea of how the fund has done across different market cycles. It shows us the mutual fund schemes consistency.

Risk & Returns

Like we always say, every fund does expect certain market risks. But good mutual fund schemes strategize to lower the risk as much as possible. It is a parameter to measure when looking at a mutual fund scheme performance.

Put It Up Against An Index

The performance of all funds is evaluated on the basis of the set benchmarks by Indexes like Nifty, BSE Sensex, and BSE 200.

It can be very useful and insightful to compare your chosen mutual fund scheme against such benchmark as well. After all, the fall for a well-managed fund during a market low, ideally shouldn’t be very hard.

If you look at all the above factors, as an investor you get a clearer picture of any mutual fund scheme performance.

Now, we are sure you are looking forward to invest in good mutual fund schemes.

So, what are the options an investor has when it comes to mutual funds schemes in India?

Mutual Fund Schemes in India:

There is a long list of options when you are looking at Mutual fund schemes in India.

Following is just a glimpse of the same.

Based on maturity period:

1. Open ended

2. Close ended

3. Interval


Based on Principal of Investment:

1. Equity Scheme – Examples are Multi cap funds, Large cap funds, mid cap funds, small cap funds, ELSS, Value funds, focus funds, sectoral funds.

2. Debt Scheme – Examples are Overnight funds, liquid funds, ultra-short duration funds, money market funds, dynamic bond funds, gilt fund etc.

3. Hybrid Scheme – Examples are Conservative hybrid funds, balanced hybrid funds, multi asset allocation funds, arbitrage funds etc.

4. Solution Oriented Scheme – Examples are retirement funds, children’s funds etc.

5. Other Schemes – Examples are Index Funds, Fund of Funds.

We believe you now have ample information about mutual fund schemes.

Today you read about mutual fund scheme performance, mutual fund scheme based on investment goals, mutual fund scheme is made up of, mutual fund schemes in India.

At Quantum, we you can choose and pick from any of the mutual fund schemes that fit your investment goals and investment styles. You have options like:

a. Equity Fund – Quantum Long Term Equity Value Fund

b. Debt Fund – Quantum Dynamic Bond Fund

c. Equity Fund Of Funds – Quantum Equity Fund of Funds

d. Liquid Fund – Quantum Liquid Fund

e. Tax Saving Fund – Quantum Tax Saving Fund

f. Exchange Traded Funds – Quantum Nifty ETF

g. ESG Funds: Quantum India ESG Equity Fund

h. Gold Funds: Quantum Gold Fund

i. Diversified Fund of Funds – Quantum Multi Asset Fund of Funds

So, if you wish to start investing right away, we here at Quantum Mutual Funds will be more than glad to help you out.

Just click here and start investing with as low as Rs 500 a month.


Product Labeling
Name of the SchemeThis product is suitable for investors who are seeking*Risk-o-meter of Scheme
Quantum Long Term Equity Value Fund

An Open Ended Equity Scheme following a Value Investment Strategy
• Long term capital appreciation

• Invests primarily in equity and equity related securities of companies in S&P BSE 200 index
Quantum Long Term Equity Fund
Investors understand that their principal will be at Very High Risk
Quantum Tax Saving Fund

An Open Ended Equity Linked Saving Scheme with a Statutory Lock in of 3 years and Tax Benefit
• Long term capital appreciation

• Invests primarily in equity and equity related securities of companies in S&P BSE 200 index and to save tax u/s 80 C of the Income Tax Act. Investments in this product are subject to lock in period of 3 years.
Quantum Tax Saving Fund
Investors understand that their principal will be at Very High Risk
Quantum Equity Fund of Funds

An Open Ended Fund of Funds scheme Investing in Open Ended Diversified Equity Schemes of Mutual Funds
• Long term capital appreciation

• Investments in portfolio of open-ended diversified equity schemes of mutual funds registered with SEBI whose underlying investments are in equity and equity related securities of diversified companies
Quantum Equity Fund of Funds
Investors understand that their principal will be at Very High Risk
Quantum India ESG Equity Fund

An Open ended equity scheme investing in companies following Environment, Social and Governance (ESG) theme
• Long term capital appreciation

• Invests in shares of companies that meet Quantum's Environment, Social, Governance (ESG) criteria.
Quantum India ESG Equity Fund
Investors understand that their principal will be at Very High Risk
Quantum Nifty ETF

An Open Ended Scheme Replicating / Tracking Nifty 50 Index
• Long term capital appreciation

• Investments in equity and equity related securities of companies in Nifty 50 Index
Quantum Nifty ETF
Investors understand that their principal will be at Very High Risk
Quantum Liquid Fund

An Open-ended Liquid Scheme. A relatively low interest rate risk and relatively low credit risk.
• Income over the short term

• Investments in debt / money market instruments.
Quantum Liquid Fund
Investors understand that their principal will be at Low Risk
Quantum Dynamic Bond Fund

An Open-ended Dynamic Debt Scheme Investing Across Duration. A relatively high interest rate risk and relatively low credit risk.
• Regular income over short to medium term and capital appreciation

• Investment in Debt / Money Market Instruments / Government Securities
Quantum Dynamic Bond Fund
Investors understand that their principal will be at Low to Moderate Risk
Quantum Gold Savings Fund

An Open Ended Fund of Fund Scheme Investing in Quantum Gold Fund
• Long term returns

• Investments in units of Quantum Gold Fund – Exchange Traded Fund whose underlying investments are in physical gold
Quantum Gold Savings Fund
Investors understand that their principal will be at Moderately High Risk
Quantum Gold Fund

An Open Ended Scheme Replicating / Tracking Gold
• Long term returns

• Investments in physical gold
Quantum Gold Savings Fund
Investors understand that their principal will be at Moderately High Risk
Quantum Multi Asset Fund of Funds

An Open Ended Fund of Funds Scheme Investing in schemes of Quantum Mutual Fund
• Long term capital appreciation and current income

• Investments in portfolio of schemes of Quantum Mutual Fund whose underlying investments are in equity , debt / money market instruments and gold
Quantum Gold Savings Fund
Investors understand that their principal will be at Moderate Risk

*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.
The Risk Level of the Scheme in the Risk O Meter is based on the portfolio of the scheme as on November 30, 2021.

Potential Risk Class Matrix - Quantum Liquid Fund
Credit Risk →Relatively LowModerate (Class B)Relatively High (Class C)
Interest Rate Risk↓
Relatively Low (Class I)A-I  
Moderate (Class II)   
Relatively High (Class III)   

Potential Risk Class Matrix - Quantum Dynamic Bond Fund
Credit Risk →Relatively LowModerate (Class B)Relatively High (Class C)
Interest Rate Risk↓
Relatively Low (Class I)   
Moderate (Class II)   
Relatively High (Class III)A-III  


Disclaimer, Statutory Details & Risk Factors:

The views expressed here in this article / video are for general information and reading purpose only and do not constitute any guidelines and recommendations on any course of action to be followed by the reader. Quantum AMC / Quantum Mutual Fund is not guaranteeing / offering / communicating any indicative yield on investments made in the scheme(s). The views are not meant to serve as a professional guide / investment advice / intended to be an offer or solicitation for the purchase or sale of any financial product or instrument or mutual fund units for the reader. The article has been prepared on the basis of publicly available information, internally developed data and other sources believed to be reliable. Whilst no action has been solicited based upon the information provided herein, due care has been taken to ensure that the facts are accurate and views given are fair and reasonable as on date. Readers of this article should rely on information/data arising out of their own investigations and advised to seek independent professional advice and arrive at an informed decision before making any investments.

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

Please visit – www.QuantumAMC.com to read scheme specific risk factors. Investors in the Scheme(s) are not being offered a guaranteed or assured rate of return and there can be no assurance that the schemes objective will be achieved and the NAV of the scheme(s) may go up and down depending upon the factors and forces affecting securities market. Investment in mutual fund units involves investment risk such as trading volumes, settlement risk, liquidity risk, default risk including possible loss of capital. Past performance of the sponsor / AMC / Mutual Fund does not indicate the future performance of the Scheme(s). Statutory Details: Quantum Mutual Fund (the Fund) has been constituted as a Trust under the Indian Trusts Act, 1882. Sponsor: Quantum Advisors Private Limited. (liability of Sponsor limited to Rs. 1,00,000/-) Trustee: Quantum Trustee Company Private Limited. Investment Manager: Quantum Asset Management Company Private Limited. The Sponsor, Trustee and Investment Manager are incorporated under the Companies Act, 1956.

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