BILLIONAIRE MINDSET:

Efficiency of Capital
 WEALTH  INSIGHT  MAGAZINE  

CONTENTS  
03  
BILLIONAIRE MINDSET:
Efficiency of Capital
03  

The Shinning Dilemma :

07   Should Gold Be a Part of
My Portfolio?

11  
Decoding The Habit of
Wealth Creation 14  

14   Upside of Market Volatility

Tax Reckoner 2018-2019

07   17  

19   Market Insider

Scorecard
11
  21
 
WEALTHY & WISE
BILLIONAIRE MINDSET Efficiency of
Capital
E
“ very penny saved is a penny
earned”. Well said. But what if the
penny saved was worth a Pound, if
well deployed. Let’s discuss.
According to Steve Siebold, author of
“How Rich People Think”, the World
Class is mentally attuned to making
more money. On the contrary,
according to Steve, the Middle Class
are enslaved by worries of inflation,
uncertainties and losses. The ‘World
Class’ habitually thinks long term,
while the ‘Middle Class’ habitually
thinks short term.
PAGE 03
Ever wonder, why across the 250
years of Stock Exchange history in
USA, merely 5% - 6% of participants
have made profitable portfolios, while
the rest come to try their luck and
earn losses, thereafter calling stock
markets as nothing short of casinos.
A simple explanation to this
phenomenon is that the winning 5%
knows that they are actually investing
in the businesses with proper
research and professional advise,
whereas, the losing 95% buys stocks
with a lottery mindset. Some may win
the lottery, but not all !! When
economic corrections take place, the
masses get into fearful mode and
start selling their investments for
short term survival. In such periods,
the Billionaire Mindset investors
operates out of abundance and
exploit the situation for their long term
benefit.
WEALTHY & WISE

PAGE 04

There's   a   well   documented   cogniAve   bias   called   (Dunning–Kruger   effect)   which   states   that  
novices  tend  to  be  overly  confident  of  their  abiliAes.  This  causes  vicious  cycles  in  invesAng,  
leading   to   losses.   A   professional   investor   is   less   confident   of   his   abiliAes   to   make   profit   in  
comparison  to  a  naïve  investor.  As  you  know  the  field  more,  you  will  gradually  start  seeing  
the   risky   side   of   investments.   The   confidence   level   will   keep   dipping   unAl   you   move   towards  
becoming  an  Expert.  But  then  too,  you  will  never  become  over-­‐confident.    
WEALTHY & WISE
PAGE 05

“Efficient   use   of   Capital”   is   tough   and   is   I   know   people   who   have   travelled  
very   well   adhered   by   the   Billionaire   overseas   incurring   expenses   beyond  
Mindset  investor.  They  pursue  this  art  by   their   means,   with   help   of   borrowings,  
working   along   with   experts.   That’s   why   just   because   they   could   find   cheap   air  
they   are   rich,   and   not   the   other   way   Ackets   and   hotels.   Ever   wonder,   why  
around.     such   discounts   are   not   offered   on  
investment  opAons?    
But   the   “Actude   of   cost   cucng”   is    
ubiquitous   and   easy.   I   mean   cucng   Who   says   investment   opAons   are   not  
down   costs   every   now   and   then,   which   offered   on   discounts?   Daily   newspapers  
the   masses   are   always   busy   doing.   That’s   call   them   bloodbaths   in   stock   markets,  
how   Big   Bazaar   kind   of   stores   survive   recession   in   real   estate,   and   rusAng   in  
solely   on   “Sabse   Sasta   –   Sabse   Acchha”   Gold.   God   bless   the   newspapers   and  
slogan.  Last  month,  it  was  beyond  me  as   news   channels,   they   scream   terror   and  
to   why   more   than   a   hundred   women   shoo   away   the   masses   /   retail   investors  
from  well  to  do  families  will  stand  in  long   in   no   Ame.   The   investors   with   ‘Billionaire  
queues   outside   Meena   Bazaar   outlet,   Mindset’  walks  in  and  receive  red  carpet  
even   before   the   store   opened   in   the   welcome   to   buy   stuff   no   one   is   buying,  
morning,   at   MG   Road   Gurgaon.   On   even  at  half  the  price.  And  what  happens  
probing,   I   could   gather   that   this   is   an   when   the   markets   recover,   the   rich  
annual   phenomenon   and   there   is   a   flat   become  richer!!    
50%   discount   on   offer.   I   can   tell   you   for    
sure,  none  of  them  would  have  stood  in   So,   while   the   masses   were   busy   clipping  
a   queue   outside   ATMs   during   the   discount   coupons,   the   Billionaire  
demoneAzaAon   phase.   Another   thing   I   Mindset   investor   was   busy   analyzing  
can   tell   you   is   that   all   the   ladies   would   which   business   will   benefit   from   such  
have  spent  much  more  eventually  under   consumpAon   and   at   what   price   to   own  
the   percepAon   that   they   are   buying   them.    
cheap.  All  in  all,  Meena  Bazaar  would  be    
the   happiest   to   receive   so   much   cash   in   The   Billionaire   Mindset   Investor   is   well  
their   bank   within   a   fortnight,   something   a w a r e   o f   h i s   c o n s u m p A o n   a n d  
that   would   have   taken   a   six   month   or   investment   needs   and   will   not   buy  
more.  If  Meena  Bazaar  was  a  listed  stock,   anything   just   because   everyone   else   is  
I   would   have   considered   buying   that   buying   or   that   it   is   on   SALE.   He/She  
stock   as   investment.   Consumerism   is   on   prefers  to  live  on  a  budget  and  uses  his/
the   rise   and   there   will   be   many   more   her   money   wisely.   But,   he/she   seeks  
such  opportuniAes  in  the  future.  I  would   quality   in   everything,   even   if   it   is  
like   to   benefit   as   a   capitalist   from   the   relaAvely  pricier.  Yes,  this  is  a  concept  of  
excess  consumerism.     VALUE.  He/She  seeks  VALUE  and  not  the  
PRICE.    
 
WEALTHY & WISE
PAGE 06

The   Billionaire   Mindset   investor   According   to   Dunner   –   Kruger,   a   novice  

understands
  his/her
  own
  mental
  and
  cum
  average
  thinker
  has
  less
  of
  an
  idea
 
physical
  limitaAons
  and
  therefore
  prefer
  about
 his
 own
 abiliAes
 or
 the
 abiliAes
 of
 
to
  work
  with
  teams
  and
  mentors.
  He
  will
  the
  others.
  This
  keeps
  them
  away
  from
 
pay
  for
  quality
  jobs
  that
  are
  important
  rising
 higher
 up
 in
 the
 social
 or
 economic
 
for
  his
  success
  but
  are
  not
  his
  core
  rank.
 They
 are
 generally
 suspicious
 of
 the
 
competence.
  You
  see,
  he
  doesn’t
  want
  intent
  and
  abiliAes
  of
  the
  other
  guys
 
to
  compromise
  on
  the
  quality
  of
  output
  whose
  help
  is
  needed
  for
  ascending
  the
 
at
  the
  cost
  of
  savings
  pennies.
  On
  the
  social
  and
  economic
  ladders.
  The
  Rich
 
contrary,
 an
 average
 thinker
 focuses
 too
  becomes
 Rich
 by
 efficient
 deployment
 of
 
much
  on
  discounts
  or
  cost
  savings,
  capital
  and
  not
  by
  cucng
  corners
  from
 
instead
  of
  BUDGETING.
  Such
  is
  the
  the
  essenAal.
  It
  is
  all
  in
  the
  mind.
  Any
 
tendency
  to
  save
  cost
  that
  masses
  are
  wish
  to
  become
  billionaire
  without
  the
 
compromising
 on
 health.
 Self-­‐medicaAon
  right
 mindset
 will
 not
 long
 way.
 Changing
 
has
  become
  a
  wide
  spread
  disorder
  one’s
 mindset
 is
 not
 easy,
 and
 is
 not
 for
 
across
  the
  world.
  The
  self-­‐help
  content
  all.
  But,
  this
  will
  be
  the
  single
  biggest
 
on
  internet
  is
  further
  aggravaAng
  the
  factor
 that
 will
 take
 you
 to
 your
 dreams.
 
issue.
  Ask
  any
  doctor,
  and
  he
  will
  not
 
stop
  giving
  examples
  where
  situaAons
 
have
 gone
 out
 of
 control.
 
 

 
Since
  the
  Billionaire
  Mindset
  investor
 
seeks
  quality
  in
  everything,
  he
  is
 
conscious
  about
  his
  health
  in
  his
  food
 
habits,
  work
  habits,
  and
  exercise
  habits.
 
Annual
  health
  checkups
  are
  rouAne
  for
 
him/her.
 However,
 the
 average
 thinker
 is
 
binging
 on
 low
 cost
 burgers,
 pizzas,
 coke
 
etc.,
  and
  you
  can
  actually
  forget
  about
  Sameer Rastogi,
health
 checkups.
 All
 because,
 the
 food
 is
  SAKSHAM WEALTH Solutions P. Ltd.
inviAng,
  cost
  is
  low
  and
  everyone
  is
 
doing
 it,
 so
 how
 can
 it
 be
 wrong.
 Annual
 
health
 checkups
 are
 avoided
 as
 they
 will
 
either
  yield
  to
  further
  medical
  costs
  or
 
will
  lead
  to
  nothing
  (if
  the
  report
  is
  all
 
OK).
  But
  actually
  they
  will
  blame
  the
 
paucity
 of
 Ame
 for
 avoidance
 of
 medical
 
checkups.
 
 
 
WEALTHY & WISE
The Shinning Dilemma : Should gold
be a part of my portfolio ?
India is one of the largest consumers
of gold in the world, and our love for
gold has never really taken a
backseat. From using gold as a
means of adornment or an
investment instrument, or even both,
we have always held it in our
portfolio. But, the moot question is “
should it be the primary option in our
portfolio or should we even consider it
as an good investment”.
Now before any discussion on gold,
let us first know a little about this
fascinating metal. In plain simple
term, it is a chemical element with the
symbol Au and an atomic number of
79.” It is a dense, soft & shiny metal.
PAGE 07
It is being speculated that nearly all
the gold on earth came from
meteorite that bombarded the earth
20 million years after it formed. So,
technically gold might be an “ALIEN
OBJECT”. Ever since its discovery, it
has hypnotized kings, provoked wars,
and broken families. For centuries, it
was used as a form of currency. The
first use of gold as money occurred
around 700 B.C., when Lydian
merchants produced the first coins.
Traditionally, gold has been viewed
as a ‘safe haven’, especially in India.
Indians are the biggest consumers of
gold and usually invest heavily in gold
coins and jewellery. But it would not
be wrong to say that the logic to put
gold as the primary choice for
investment in your financial planning
is wrong & flawed.
WEALTHY & WISE
Now, time for the big question, Is
Gold a good investment option?
Gold as an investment on the one
hand works as a hedge against
inflation, a weakening dollar, and
stock market disaster. On the other
hand, it doesn’t produces any income
like dividend or interest and also
there is no implicit guarantee that
gold will increase in its value.
As Warren Buffet has said ”Gold has
no intrinsic value than for jewellery
and some industrial use, and it
produces no income. Over the long
term Gold performance has no match
for diversified portfolio of stocks and
bonds”
Pros of Investing in Gold
• High Liquidity and Universality of
gold makes it a favoured choice
for investors across the globe: It
can be easily converted into cash
anywhere in the world.
• The value of gold rises during
inflation as it remains more stable
than cash or any other assests
thus it provides hedge against
inflation .
• Adding different investment
instrument also bring down the
risk percentage of entire portfolio.
Gold often moves inversely to
stock market and currency values
thus it provides an effective way
to diversify the portfolio.
Cons of Investing in Gold
PAGE 08
• Increase in gold value coincided
with currency devaluation: Many
economists argue that gold only
increases in value when inflation
is strong. As a result, gold doesn’t
offer adequate return in other
markets.
• Investment in stocks and bonds
provides income in form of
dividend or interests. However,
the only return you can make on
gold is when the value increases
and you decide to sell it.
• Need physical storage and
insurance: if one chooses to buy
physical gold, it needs to be
stored and insured as well.
Ways to invest in Gold
• Bullions or Gold Jewellery: One
can hold physical quantity of
Gold, which can be sold later. It
feels good to have gold in
possession but you need to pay
charges to store it and getting it
insured and also there is making
cost linked with it.
• Gold ETF: It is similar to making
a direct investment in gold, but
here the investor buys a
proportionate ownership in the
collective vault instead of buying
the physical gold The investor
need to have Demat account.
• Gold Mutual Funds: The
investment is made not in gold but
in the companies involved
in mining the gold . No need for
Demat account to invest.
WEALTHY & WISE

PAGE 09

Gold doesn’t produce anything (like a company) On the contrary, it needs

to be (mined), stored and guarded and this is something that produces
cost. So where does its value come from? At the end of the day, gold has
its worth because enough people believe that it’s worth something. The
value of gold has always been driven by the fear that other asset classes
will lose their value.

One thing that needs to be kept in mind when investing in gold is that one
has to be invested for the long term and not short term. Gold is a cyclical
investment, therefore, to expect the metal to be always high-performing will
not be right. So, if you are not looking for immediate results and are a
patient long term investor, gold should be a part of your investment
portfolio.

Sameer Rastogi,
SAKSHAM WEALTH Solutions P. Ltd.
WEALTHY & WISE
PAGE 11

Decoding The habit of wealth

creation

Money can be earned, but wealth has to be created. Every one of us wishes to
be rich and wealthy. But sometimes due to lack of awareness and other times due
to sheer idleness, we fail to make optimal utilization of our existing resources and
simply derail from the journey to wealth creation.

So what does this have to do with habits? When you nurture those actions that
lead to wealth creation they’ll soon become second nature, leading you to
habitually do those things that can help you build wealth. In the words of Aristotle,
“They teach us that who we are and what we have is a result of what we
repeatedly do. Wealth then, is not the result of an act, but the result of our habits”.

So, here are some habits (or actions) that we can consider as important in our
efforts to make money and create wealth:
WEALTHY & WISE
Develop the PATIENCE game:
Shortcuts born out of eagerness
lengthen the journey. In case of
investment decisions, impatience
often leads to dire consequences.
Patience, however, should not be
equated with inaction or passivity.
Rather, practicing the habit of
patience produces thoughtful, long-
term decisions that can produce
wealth while minimizing risk.
Observe PERSEVERANCE: If it
were easy, everybody would do it.
The fact is, obtaining financial
security requires working through
challenges. These range from the
small, daily choices we make, which
over time have a monumental impact
on our finances, to the big money
events in our lives that are the most
memorable. Perseverance keeps us
focused on our goals, and enables us
to confront all challenges, big and
small.
PAGE 12
Start to take advise from an
EXPERT:
Normally, When you fall ill, you
immediately go to the doctor to seek
his advise, to cure the ailment. When
you get a legal notice, you
immediately seek a counsel of a
lawyer. You don’t yourself go to the
court to solve the legal issues.
But when it comes to the
management of finances, most of the
people shy away from taking help.
Habit of seeking counsel from an
financial advisor (expert) will go a
long way in wealth creation.
The advisor alerts you about the the
wasteful expenditure, you might be
doing. He helps you identify
investments that are not giving
optimal returns. With the help of the
advisor, you can chart out your
financial goals, even the improbable
and ambitious ones. The advisor can
help you create a plan to achieve the
life goals, you have envisioned.
WEALTHY & WISE

PAGE 13

The dictionary meaning of

Make Healthy Decisions: Get a full
night of sleep, eat healthy food,
exercise, and manage stress. It’s not
worth taking shortcuts with these
things in order to get rich. In the long
run, we’re better off financially by not
compromising on these things. Life is
short as it is, and can be shortened
even more by such unhealthy moves.
Focus on health as much as on
wealth.
wealth is abundance. When
spoken in the context of money,
it would obviously mean an
abundance of money. One must
not forget that wealth creation is
a process. Forget about buying
that ‘How to get wealthy in a
day’ guide, it just doesn’t
happen overnight. Financial
success is definitely something
that is within everyone’s reach
with guidance of financial
advisor & by Sticking with these
principles, turning them into
consistent habits.
“Good habits are like
snowflakes – they build up, and
then you have an avalanche of
success.” – Thomas Corley

Make learning a habit: We need to

avoid being static, and focus on
constant learning. The habit of life-
long learning enables us to improve
our careers, investments, and
spending, as well as other areas of Abhay Gupta,
our lives. Things are changing all the SAKSHAM WEALTH Solutions P. Ltd.

time, as change is constant as the

saying goes. The thing is, it seems
like change is happening at a more
accelerated rate every year. To keep
up, much less get ahead, we need to
keep on learning new things and
considering new paradigms.
WEALTHY & WISE
Upside of market Volatility
Imagine a scenario in which stock/
mutual fund investments performed
the same year after year. A stock
would be like a certificate of deposit.
It would have no volatility, except for
the effects of inflation, but it wouldn’t
put much money in your pocket,
either. Stocks/mutual funds give
biggest returns because they are
volatile. To put it another way: A
higher return is your reward for
investing in a more volatile asset.
Volatility favors investors who veer
towards an active management
approach.
PAGE 14
Volatility is not risk. Rather, it's the
relative movement of stock prices up
and down over time. That is all. You
have to work to make money in the
financial market. To a small degree,
the work entails picking good
companies or good mutual funds. But
most of the work is enduring the
anxiety and fear of owning something
that could be worth a good deal less
tomorrow than it is today. The
challenge is to hang on to good funds
through thick and thin.
WEALTHY & WISE
By understanding that volatility is
natural and treating it as an
opportunity, adding capital to your
portfolio during times of downward
pressure, you’ll likely be rewarded
over the long term. Better yet, if you
continually and systematically
contribute, you can weather market
volatility by buying fewer shares when
the market is high and more shares
when it is low. This strategy helps
take emotion and guesswork out of
the investing equation.
One of the greatest assets an
investor with a time horizon of more
than a decade can have is patience.
Periods of market volatility are a great
time to invest funds you may have on
the sidelines and liquidate and
redeploy underperforming assets to
put your money to work while the
opportunity presents itself. This
thinking must be also in line with your
risk tolerance and overall objectives.
PAGE 15
So, there is no reason to panic during
market downward trends if you have
a plan in place outlining your goals,
objectives and time horizon before
you need it. Still, you should review
the plan regularly to ensure it serves
us well during all types of markets.
This will help you navigate through
periods of uncertainty when many
people are panicking or acting out of
fear.
You should understand this that
volatility is not all bad, as long as you
are prepared to take advantage of the
unique opportunities it brings.
It is a historically proven statistics
that, the stock market provide solid
returns over the long-term. It does
have a lot of short-term volatility,
though. So investors need to know
the reason on why volatility isn’t
always a bad thing.
WEALTHY & WISE

PAGE 15

Market Insider
WEALTHY & WISE
PAGE 16

Global Equity Benchmark Indices Return (as on 14th May 2018)

Indices 1 Month 3 Months 6 Months 1 year 3 Years 5 Years

DOW JONES 0.97% -0.85% -0.83% 13.56% 9.62% 9.11%

FTSE 100 5.71% 6.58% 6.76% 2.25% 7.13% 3.57%
S&P 500 1.63% -0.96% 38.45% 0.00% 7.67% 9.13%
SENSEX 4.28% 5.95% 13.14% 16.49% 7.07% 11.33%
DAX 30 4.19% 5.42% 3.21% 2.33% 3.24% 8.87%
IBEX 35 4.14% 6.16% 0.05% -6.46% -3.91% 4.24%
CAC 40 4.21% 6.14% 2.84% 3.63% 3.13% 7.09%
NIKKEI 225 2.34% 5.16% -1.08% 11.41% 4.15% 7.35%
SHANGHAI 50 0.25% -0.63% -3.38% 2.15% -14.26% 7.36%
HANG -SENG 0.33% 0.95% 0.86% 16.89% 3.58% 7.61%

Returns upto 1 year are absolute & over 1 year are compounded annualized.

Global Commodities Benchmark Return (as on 14th May 2018)

commodity 1 Month 3 Months 6 Months 1 year 3 Years 5 Years

Crude Oil 8.67% 17.07% 21.68% 33.77% 6.04% -5.29%
Natural Gas 2.93% 0.00% -14.29% -20.15% -2.62% -8.21%
Coal 5.55% -6.88% -0.25% 24.20% 14.90% 3.30%
Gold -2.06% -0.23% 2.82% 7.16% 2.26% -1.02%
Silver 1.57% 1.33% -1.75% 2.05% -0.32% -7.55%
Platinum -1.42% -5.35% -0.11% 0.33% -8.44% -10.28%
Lead -14.15% -8.59% -4.03% 7.58% 5.22% 1.77%
Copper
Returns upto 1 year-2.29% 0.33%
are absolute & over -0.65% annualized.
1 year are compounded 18.95% 1.66% -1.83%

Returns upto 1 year are absolute & over 1 year are compounded annualized.
WEALTHY & WISE
PAGE 17

As on 14th May, 2018

All returns upto 1 year are absolute & over 1 year are compounded annualized.

DISCLAIMER: This document has been prepared on the basis of publically available data on best effort basis. The information contained in this document is
for general purposes only. The information/ data herein alone are not sufficient and should not be used for the development or implementation of an
investment strategy. The same should not be construed as investment advice to any party. The recipient(s) before acting on any information herein should
make his/her/their own investigation and seek appropriate professional advice and shall alone be fully responsible/ liable for any decision taken on the basis
of information contained herein.

TOP 10 MUTUAL FUNDS : EQUITY - SMALL CAP

Scheme AUM(Cr) 30 Day 3 Mon 6 Mon 1 Yr 3 Yr 5 Yr 10 Yr Rating
SBI - Small & Midcap Fund Reg (G) 850 1.79 -2.17 7.44 36.55 26.43 36.02 NA *****
HDFC - Small Cap Fund (G) 2670 2.55 4.44 12.49 30.22 24.3 25.14 16.32 ***
Reliance - Small Cap Fund (G) 6613 0.86 -0.4 6.96 22.6 25.64 36.59 NA ***
L&T - Emerging Businesses Fund (G) 4286 1.37 1.59 5.78 22.31 27.28 NA NA ****
HSBC - Small Cap Equity Fund (G) 650 -0.13 0.79 4.88 18.68 18.9 28.61 11.01 **
Franklin - India Smaller Companies Fund (G) 7128 0.89 0.72 3.96 13.97 17.87 29.55 18.47 ****
Aditya Birla SL - Small & Midcap Fund Reg (G) 2070 2.1 0.96 2.06 13.16 22.24 28.04 15.74 **
Union - Small Cap Fund Reg (G) 308 -1.26 -0.61 5.26 12.62 10.94 NA NA *
Sundaram - Small Cap Fund Reg (G) 1360 0.52 -1.22 0.87 10.83 16.48 28.31 15.41 *
Reliance - Focused Equity Fund (G) 3320 1.16 -2.81 -0.33 9.83 14.12 24.75 14.61 **

TOP 10 MUTUAL FUNDS : EQUITY - MID CAP

Scheme AUM(Cr) 30 Day 3 Mon 6 Mon 1 Yr 3 Yr 5 Yr 10 Yr Rating
SBI - Emerging Business Fund Reg (G) 2383 1.54 3.14 9.02 24.98 16.28 19.13 14.83 **
Axis - Midcap Fund (G) 1304 1.53 8.46 9.07 21.93 12.74 22.45 NA *
Edelweiss - Mid Cap Fund Reg (G) 653 1.11 2.14 7.82 20.31 17.81 27.9 14.7 ****
IDFC - Sterling Equity Fund Reg (G) 2548 0.92 1.93 4.67 19.79 17.74 22.57 18.85 ***
Escorts - Growth Plan (G) 6 0.52 1.23 5.51 17.37 15.11 22.01 9.53 **
SBI - M Global Fund Reg (G) 3456 -0.53 0.7 4.62 17.35 10.87 21.1 14.11 ***
Principal - Emerging Bluechip (G) 1666 1.71 1.81 2.35 16.54 18.94 27.33 NA ****
Escorts - Leading Sectors Fund (G) 4 0.6 2.4 4.98 16.41 14.56 23.04 NA NR
Taurus - Discovery Fund (G) 52 0.74 3.35 6.47 16.26 17.11 23.23 7.41 **
L&T - Mid Cap Fund (G) 2313 1.42 1.13 0.68 14.99 20.91 29.48 16.5 *****
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TOP 10 MUTUAL FUNDS : EQUITY - LARGE CAP

Scheme AUM(Cr) 30 Day 3 Mon 6 Mon 1 Yr 3 Yr 5 Yr 10 Yr Rating
Aditya Birla SL - India Oppt Fund Reg (G) 154 4.08 4.59 14.58 31.29 15.96 26.5 13.03 NR
UTI - Bluechip Flexi Fund (G) 2267 3.78 8.42 11.16 24.03 13.38 15.92 9.6 **
Invesco - India Growth Opportunities Fund (G) 336 1.51 4.36 6.01 22.2 14.2 19.32 12.35 *****
ICICI Pru - NV20 ETF 9 4.7 1.26 5.06 21.06 NA NA NA NR
Kotak - Classic Equity Scheme (G) 169 2.35 4.42 5.4 20.9 12.66 15.8 11.36 ****
UTI - Sensex ETF (G) 2020 4.52 3.98 6.4 19.43 NA NA NA NR
R*SHARES SENSEX ETF - (G) 34 4.52 3.97 6.38 19.36 10.63 NA NA **
SBI - Sensex ETF 8969 4.52 3.95 6.35 19.35 10.57 13.67 NA ***
ICICI Pru - Sensex ETF 3 4.39 3.97 6.38 19.21 10.54 13.41 9.24 NR
Edelweiss - Large & Mid Cap Fund Reg (G) 264 1.25 3.32 5.79 19.2 12.79 17.08 10.61 ****

TOP 10 MUTUAL FUNDS : EQUITY - MULTI CAP

Scheme AUM(Cr) 30 Day 3 Mon 6 Mon 1 Yr 3 Yr 5 Yr 10 Yr Rating
Tata - India Consumer Fund Reg Plan (G) 740 2.49 5.31 9.81 32.1 NA NA NA NR
Mirae - Asset Great Consumer Fund Reg (G) 261 2.86 4.11 6.93 24.13 15.7 20.26 NA NR
Invesco - India Contra Fund (G) 1141 4.04 3.59 8.45 23.78 17.76 24.22 15.82 ****
IDFC - Focused Equity Fund Reg (G) 1328 0.51 1.35 3.42 21.83 13.75 15.27 10.07 ***
Axis - Equity Fund (G) 1879 1.67 6.31 6.83 20.58 11.93 15.06 NA ***
BOI AXA - Large & Mid Cap Equity Fund Reg (G) 109 1.75 3.61 4.91 20.56 12.67 16.23 NA **
Principal - Dividend Yield Fund (G) 131 2.19 0.97 1.97 20.39 15.74 16.68 11 **
Axis - Focused 25 (G) 3074 3.03 7.8 9.05 20.17 17.27 17.86 NA ***
Aditya Birla SL - Special Situations Fund Reg (G) 173 2.41 2.16 3.83 18.08 15.85 21.69 11.01 ****
HDFC - Capital Builder (G) 2654 1.55 0.65 3.41 17.52 15.34 20.57 14.52 ****

TOP 10 MUTUAL FUNDS : EQUITY - HYBRID

Scheme AUM(Cr) 30 Day 3 Mon 6 Mon 1 Yr 3 Yr 5 Yr 10 Yr Rating
BOI AXA - Mid & Small Cap Eq. & Debt Fund(G) 342 -0.54 2.31 6.48 23.79 NA NA NA NR
Principal - Balanced Fund (G) 1060 1.72 2.16 1.41 17.57 16.03 17.7 11.15 ****
UTI - CCF - Investment Plan (G) 234 2.08 2.91 1.85 14.9 13.15 16.89 12.2 ***
SBI - M Balanced Fund Reg (G) 21404 0.81 1.32 1.64 14.41 10.7 17.27 11.75 ****
Axis - Childrens Gift Fund Reg (G) 368 0.32 3.09 4.69 14.25 NA NA NA NR
Tata - Retirement Savings Fund Moderate (G) 533 2.6 3.58 4.72 13.88 14.59 20.49 NA *****
HDFC – Ret Savings Fund Hybrid Equity Reg (G) 159 2.29 2.37 3.83 13.75 NA NA NA NR
HDFC - Children Gift Invest 2115 1.14 1.49 2.5 13.4 12.9 18.52 15.6 ****
Reliance - Equity Hybrid Fund (G) 12387 1.16 0.95 1.26 13.34 12.44 17.01 14.54 ***
Sundaram - Multi Asset Fund (G) 40 2.87 2.3 3.78 12.43 7.07 7.95 NA NR

TOP 10 MUTUAL FUNDS : EQUITY - INTERNATIONAL

RATIN
SCHEME AUM (CR) 30 D 3M 6M 1Y 3Y 5Y 10 Y G
EDELWEISS - GREATER CHINA EQUITY OFF-SHORE FUND (G) 44 2.03 6.25 3.23 33.41 8.31 13.92 NA NR
DSP BLACKROCK - WORLD MINING FUND REG (G) 34 8.16 5.87 8.84 32.64 5.17 0.27 NA NR
FRANKLIN - INDIA FEEDER FRANKLIN US OPP (G) 532 8.76 12.4 12.96 25.26 10.25 16.82 NA NR
MOTILAL OSWAL MOST SHARES NASDAQ-100 ETF(G) 75 9.27 12.62 10.43 24.47 16.74 22.84 NA NR
EDELWEISS - EMERGING MARKETS OPP EQ. OFF. FUND (G) 5 1.9 2.44 2.52 23.48 5.44 NA NA NR
KOTAK - GLOBAL EMERGING MARKET FUND (G) 32 0.78 4.85 7.63 23.3 3.77 5.96 4.51 NR
HSBC - GLOBAL CONSUMER OPPORTUNITIES FUND - REG (G) 4 4.44 8.49 5.49 21.17 7.05 NA NA NR
EDELWEISS - ASEAN EQUITY OFF-SHORE FUND REG (G) 51 1.22 3.8 9.85 21.16 7.48 5.15 NA NR
HSBC - ASIA PACIFIC (EX JAPAN) DIVIDEND YIELD REG (G) 8 3.96 7.12 5.44 20.3 8.14 NA NA NR
FRANKLIN - ASIAN EQUITY FUND (G) 124 2.95 5.04 2.28 19.94 9.95 10.86 8.88 NR
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TOP 10 MUTUAL FUNDS : DEBT- SHORT TERM

Scheme AUM(Cr) 30 Day 3 Mon 6 Mon 1 Yr 3 Yr 5 Yr 10 Yr Rating

Franklin - India Low Duration (G) 5675 0.13 1.83 3.19 7.75 9.02 9.3 NA *****
Franklin - India ST Income Plan Ret (G) 9652 -0.3 1.47 2.55 7.63 8.37 8.84 9.2 *****
Baroda Pioneer - Short Term Bond Fund (G) 260 0.09 1.78 2.79 6.55 8.28 8.28 NA *****
Escorts - ST Debt (G) 7 0.42 1.49 3 6.54 7.6 8.67 8.85 ****
DHFL Pramerica - Floating Rate Fund Reg (G) 783 0.13 1.55 2.68 6.42 7.57 7.93 NA **
Reliance - Medium Term Fund (G) 11326 -0.09 1.49 2.54 6.39 7.83 8.15 8 ****
HDFC - ST Opportunities Fund (G) 10056 -0.14 1.47 2.34 6.21 7.82 8.29 NA ****
UTI - Banking & PSU Debt Fund Reg (G) 1214 -0.34 1.21 1.87 6.07 8.49 NA NA ****
Edelweiss - ST Income Fund Reg (G) 29 -0.09 1.36 2.48 6.04 0.69 3.95 NA **
Aditya Birla SL - ST Fund Reg (G) 17961 -0.43 1.21 1.89 6.03 8.06 8.5 8.38 ***

TOP 10 MUTUAL FUNDS : DEBT- CREDIT OPP

Scheme AUM(Cr) 30 Day 3 Mon 6 Mon 1 Yr 3 Yr 5 Yr 10 Yr Rating
BOI AXA - Credit Risk Fund Reg (G) 1490 0.16 2.14 3.71 8.63 9.9 NA NA NR
Franklin - India Income Oppt Fund (G) 3329 -0.3 1.41 2.67 7.57 8.46 8.8 NA *****
Franklin - India Corporate Bond Oppo (G) 6656 -0.31 1.4 2.57 7.28 8.43 8.84 NA ****
Franklin - India Dynamic Accrual Fund (G) 3084 -0.4 1.18 2.29 7.2 9.1 8.53 8.24 ****
Aditya Birla SL - Corporate Bond Fund Reg (G) 5605 -0.33 1.47 2.27 7.05 8.85 NA NA ***
L&T - ST Income Fund (G) 1241 -0.05 1.29 2.36 6.73 8.73 8.51 NA ****
Principal - Credit Opportunities Fund (G) 87 -0.09 1.41 2.89 6.73 7.98 7.99 7.88 ****
Aditya Birla SL - Medium Term Plan Reg (G) 11505 -0.39 1.28 2.02 6.64 8.66 9.38 NA **
ICICI Pru - Regular Savings Fund Reg (G) 9042 -0.37 1.3 2.13 6.3 8.05 8.29 NA ***
Invesco - India Credit Risk Fund Reg (G) 403 -0.26 1.35 2.13 6.29 8.58 NA NA NR

TOP 10 MUTUAL FUNDS : DEBT- Dynamic Bond Fund

Scheme AUM(Cr) 30 Day 3 Mon 6 Mon 1 Yr 3 Yr 5 Yr 10 Yr Rating

Taurus - Dynamic Income (G) 3 0.29 1.04 2.22 8.71 2.9 3.53 NA NR
IIFL - Dynamic Bond Fund Reg (G) 167 -0.56 0.93 1.74 6.8 7.15 NA NA ***
ICICI Pru - Dynamic Bond Fund Premium Plus (G) 975 -0.75 2.01 1.27 5.93 9.6 9.07 NA NR
ICICI Pru - Long Term Plan Reg (G) 2318 -0.83 1.4 1.28 5.89 9.19 10.87 NA ****
JM - STF (G) 30 0.06 1.4 2.03 5.73 7.32 7.52 8.75 ***
Baroda Pioneer - Dynamic Bond (G) 20 -1.39 0.86 1.08 4.52 8 8.07 NA ****
ICICI Pru - Dynamic Bond Fund Reg (G) 975 -0.88 1.64 0.55 4.46 8.24 7.89 NA ***
DHFL Pramerica - Dynamic Bond Fund (G) 156 -0.85 1.37 -0.12 4.33 7.62 7.61 NA ***
UTI - Dynamic Bond Fund (G) 1456 -0.84 1.39 0.21 3.88 8.42 8.85 NA ****
L&T - Flexi Bond Fund (G) 74 -1.84 0.91 0.59 3.65 7.68 7.85 5.12 ***

TOP 10 MUTUAL FUNDS : DEBT- GILT SHORT TERM

Scheme AUM(Cr) 30 Day 3 Mon 6 Mon 1 Yr 3 Yr 5 Yr 10 Yr Rating

IDFC - G Sec Short Term Reg (G) 61 -0.86 1.41 1.4 5.99 8.08 9.19 6.65 ****
DSP BlackRock - Savings Fund Reg (G) 39 0.1 1.51 2.92 5.97 6.46 7.49 6.59 **
SBI - M Gilt STP Reg (G) 434 0.1 1.31 1.86 5.56 8.74 9.44 8.5 ****
UTI - Overnight Fund (G) 26 0.05 1.18 2.05 5.39 6.87 7.54 6.89 **
ICICI Pru - Gilt Fund Treasury PF Option Reg 39 -1.13 0.43 0.09 4.7 9.46 5.79 7.37 ***
ICICI Pru - Short Term Gilt Fund Reg (G) 143 -1.23 0.57 0.36 4.59 7.94 7.67 8.4 **
HDFC - Gilt Fund Short term (G) 400 -0.87 0.99 0.35 4.54 7.6 7.31 6.87 *
Sundaram - Gilt Fund Reg (G) 11 -2.98 -1 -3.22 0.15 4.91 8.19 6.74 *
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TOP 10 MUTUAL FUNDS : DEBT- GILT MEDIUM & LONG TERM

Scheme AUM(Cr) 30 Day 3 Mon 6 Mon 1 Yr 3 Yr 5 Yr 10 Yr Rating
ICICI Pru - Long Term Gilt Fund Reg (G) 831 -1.15 2.6 0.49 5.53 8.49 7.54 9.36 ***
ICICI Pru - Gilt Fund Investment Plan PF Option Reg (G) 630 -1.14 1.85 0.6 5.21 8.77 8.27 10.48 ***
ICICI Pru - Constant Maturity Gilt Fund Reg (G) 26 -0.99 1.76 0.04 4.6 8.16 NA NA NR
Aditya Birla SL - Banking & PSU Debt Fund Reg (G) 2871 0.03 1.37 2.74 4.51 7.49 7.31 9.9 NR
Edelweiss - Govt. Sec Fund Reg (G) 416 0.16 0.88 1.55 4.47 7.25 NA NA ***
DHFL Pramerica - Gilt Fund Reg (G) 181 -1.32 0.31 -0.61 3.6 7.19 6.86 NA ****
Reliance - Gilt Sec Fund (G) 1006 -1.72 1.56 -0.54 3.5 8.41 8.19 NA ****
HDFC - Gilt Fund Long term (G) 1834 -1.23 1.25 -0.36 3.49 7.53 7.49 7.57 ***
Aditya Birla SL - Gilt Plus PF Plan (G) 139 -2.09 0.47 -1.85 2.91 8.15 8.24 7.92 ***
UTI - Gilt Fund (G) 568 -1.12 1.79 -0.26 2.8 8.17 8.56 9.03 ****

TOP 10 MUTUAL FUNDS : ARBITRAGE

Scheme AUM(Cr) 30 Day 3 Mon 6 Mon 1 Yr 3 Yr 5 Yr 10 Yr Rating
L&T - Arbitrage Opportunities Fund (G) 918 0.25 1.16 2.86 6.11 6.19 NA NA ***
SBI - Arbitrage Opp Fund Reg (G) 1442 0.26 1.34 3.12 6.11 5.92 7.12 7.14 NR
Kotak - Equity Arbitrage Fund (G) 14744 0.26 1.29 2.94 6.1 6.27 7.34 7.37 ***
DHFL Pramerica - Arbitrage Fund Reg (G) 1387 0.19 1.21 2.69 6.04 6.11 NA NA ***
Edelweiss - Arbitrage Fund Reg (G) 6218 0.25 1.25 2.91 6.01 6.29 NA NA ***
UTI - Arbitrage Fund (G) 2292 0.26 1.23 2.91 5.97 6.13 6.94 7.23 **
Indiabulls - Arbitrage Fund - Reg (G) 644 0.27 1.13 2.91 5.95 6.42 NA NA ***
Axis - Enhanced Arbitrage Fund - Reg Plan (G) 2051 0.19 1.17 2.88 5.89 6.07 NA NA NR
Invesco - India Arbitrage Fund (G) 476 0.26 1.25 2.93 5.83 6.11 7 6.94 NR
Aditya Birla SL - Enhanced Arbitrage Fund Reg (G) 5755 0.21 1.2 2.76 5.81 6.07 7.13 NA **

TOP 10 MUTUAL FUNDS : GOLD

Scheme AUM(Cr) 30 Day 3 Mon 6 Mon 1 Yr 3 Yr 5 Yr 10 Yr Rating
SBI - Gold Fund Reg (G) 381 2 3.69 4.91 9.55 3.52 0.84 NA NR
HDFC - Gold ETF 457 1.67 3.34 5.02 9.44 3.74 1.64 NA NR
Can Robeco - Gold Savings Reg Fund (G) 43 1.14 3.92 5.42 9.29 3.49 0.94 NA NR
IDBI - Gold ETF 69 1.89 3.66 5.57 9.17 3.96 1.76 NA NR
Can Robeco - Gold ETF 49 1.48 3.74 4.84 9.01 3.86 1.3 NA NR
HDFC - Gold Fund (G) 222 2.04 3.85 5.16 8.81 3.67 0.97 NA NR
UTI - Gold Exchange Traded Fund (G) 431 1.89 3.63 5.42 8.79 3.76 1.62 8.97 NR
Kotak - Gold Fund (G) 166 1.93 4.22 5.09 8.62 3.34 0.92 NA NR
Axis - Gold ETF 164 1.86 3.57 5.3 8.54 2.58 0.94 NA NR
Kotak - Gold ETF 402 1.87 3.59 5.34 8.49 3.48 1.44 -13.52 NR

Top Performing PMS Schemes

Scheme 30 Day 3 Mon 6 Mon 1 Yr 3 Yr 5 Yr 10 Yr Rating
Motilal Oswal IOP Strategy - PMS -7.29 -5.64 -0.28 16.33 17.54 23.79 NA NR
Hexagon PMS -6.30 -5.50 3.60 26.40 NA NA NA NR
Sundaram Midcap Strategy NA NA NA 24.60 16.30 29.90 NA NR
Sundaram Small Cap Strategy NA NA NA 24.60 19.90 32.30 NA NR
Motilal Oswal NTDOP Strategy - PMS -2.47 6.4 0.13 4.47 4.16 -0.3 7.74 NR
Motilal Oswal Value Strategy - PMS -3.96 5.99 0.38 4.38 3.97 -0.8 NA NR