NJ PMS Presentation_ (A RULE-BASED ACTIVE PORTFOLIO ...

www.njpms.in1Portfolio Management ServicesFor private circulation only. This presentation contains 51 slides and must be viewed in its entirety.

A RULE-BASEDACTIVE PORTFOLIOMANAGER

JANUARY 2022

www.njpms.in2Portfolio Management Services

For private circulation only. This presentation contains 51 slides and must be viewed in its entirety.

ABOUT NJ GROUP

ONE OFINDIA'S LARGESTMUTUAL FUND DISTRIBUTORS

A BUSINESS BUILT ON TRUST

Our mission is to transform the lives of people across India by ensuring their financial well-being. With a humble beginning in 1994, we are privileged today to impact the lives of countless families. A reputed name in the financial services industry, NJ Group today is expanding its horizons into diverse businesses.

We are driven with the passion for transforming lives, and we value trust above everything.

We are BUILT ON TRUST.

INR 1,22,520+ CRORES AUM*

EMPLOYEES

1500+

ACTIVE DISTRIBUTORS

22,870+

NJ STARTED IN

1994

*Asset managed by various AMCs, mobilised by NJ

As

on D

ec 2

021



NJ’s HORIZON

EMPLOYEES

1500+

FINANCIAL PRODUCTS DISTRIBUTION PLATFORM

MUTUAL FUNDS

EQUITY & ETF

BONDS & FD

NPS

LOAN AGAINST MF

INSURANCE BROKING

NBFC OFFSHORE

ASSET MANAGEMENT

EDUCATION WELLNESS

INTERIOR REAL ESTATE CHARITABLE TRUST



NJ PMS

NJ Group's PMS business commenced in the year 2010. The total Assets Under Management (AUM) currently are INR 3,400+ Crores (As on Dec 31, 2021) with approximately 3,000+ investors.

NJ PMS offers to investors an array of products across Equities, Mutual Funds, ETF's, and more through investment approaches under Dynamic Asset Allocation Portfolios (DAAP) and Equity based portfolios.

NJ PMS follows the 'Rule-Based Active Investing' strategy from the root of its Portfolio Management proposition



INTRODUCTION TO RULE-BASEDACTIVE INVESTING

RULE-BASED ACTIVE MANAGEMENT

PASSIVE INVESTING

TRADITIONALACTIVE MANAGEMENT

DISCIPLINED

MARKETRETURN

ACTIVERETURN

DISCRETIONARY MANAGEMENT

Bringing to you the best of both worlds

DISCIPLINED

ACTIVERETURN


UNDERSTANDING RULE-BASEDACTIVE INVESTING

Select time tested attributes

Determine criteria to identify these attributes

Specify measures and limits

Test and validate rules for efficiency

Combine complementary rules to form a protocol

Use the protocol to allocate assets, select stocks and assign weights

Define rules




NJ’s INVESTMENT PROCESS

RULE-BASEDACTIVE

ALLOCATION

MARKET INDICATORS MACRO INDICATORS

Equity valuation Long term G-sec yield Liquidity Overnight rates

ASSET ALLOCATION



NJ'S INVESTMENT PROCESS - STOCK SELECTION

RULE-BASED ACTIVE

SELECTION

MARKET FACTORS FUNDAMENTAL FACTORS

Momentum Volatility Value Quality

PORTFOLIO



BENEFITS OF RULE-BASED ACTIVE INVESTING

Selection of securities is on a predefined set of rules, eliminating

human bias

The investment process is

pre-tested for performance and

volatility in various scenarios

The Portfolio stays "True to

Label" at all times

www.njpms.in10Portfolio Management Services For private circulation only. This presentation contains 51 slides and must be viewed in its entirety.

NJ PORTFOLIO MANAGEMENT SERVICESPRODUCT OFFERING



CONVENTIONAL PMS MECHANISM

1

3

5

4

2Chasingreturns

Product Oriented approach

Equity ordebt orientation

Expensiveproposition

Discretionarymanagement



5 PILLARS OF INVESTING AT NJ PMS

Driving the change....

CUSTOMIZABLERISK MITIGATION

DIVERSIFICATIONRULE-BASED

COST EFFECTIVE

Solution oriented

Managingrisk

efficiently

MultipleAsset

Classes

Rule-Based Active

Investing

Drivinglow costsolutions



NJ PMS AS A SOLUTION

NJ PMS Basket

Stocks Mutual Funds ETF Debt

Bluechip

Multicap

DSAP(A*)

DSAP(C*)

Freedom

BAP

DAAP#

Freedom ETF

DEAP(A*)

DEAP(C*)

Liquid

Dynamic Asset allocation100% Equity*A - Aggressive/*C - Conservative

# Discontinued for fresh subscriptions and topups


BLUECHIP PORTFOLIO


BLUECHIP PORTFOLIOOBJECTIVE AND INVESTMENT APPROACH


Investment Objective: To generate capital appreciation over a long term by investing in equities and equity related instruments.

The proposed investment approach is as summarised below :

● Rule-based stock selection

● Focus on companies with superior quality and momentum factors

● Portfolio would be reviewed for re-balancing on a half yearly basis


TOP 300 COMPANIES

BY TOTAL MARKET CAP

FINANCIALCOMPANIES

NON-FINANCIAL

COMPANIES

REVENUEGROWTH ROE REVENUE

GROWTH ROCE

LENDING COS: LOAN BOOK

GROWTH

NON-LENDING COS: FREE

CASH FLOWS

FREE CASH FLOWS

BLUECHIP PORTFOLIOELIMINATION



BLUECHIP PORTFOLIOSELECTION AND ALLOCATION


QUALITY + MOMENTUM PORTFOLIO

Top 50 Companiesby Quality Factor

Ranked by Highest Momentum Defined By Total Price Return

Portfolio Of 25 Stocks Will Be Selected

● Model portfolio based weights allocated with a maximum threshold of 8% per stock and 10% during the period of holding

● Portfolio would be reviewed for re-balancing on a half yearly basis

● This investment approach is 100% equity and the benchmark would be NIFTY 500 TRI

● For detailed risk factors please refer to the disclosure document

1 2 3


PERFORMANCE OF BLUECHIP PORTFOLIO (TWRR)


● Performance is as on Dec 31, 2021; Calculated on a TWRR (time-weighted rate of return) basis ● *Inception Date: March 12, 2018● Past performance may or may not sustained in future and does not guarantee future return● Past performance is post expenses and pre-tax● Above performance data is not verified by SEBI

PERIODBLUECHIP NIFTY 500 TRI

RETURN VOLATILITY RETURN VOLATILITY

12 M 58.73 15.59 31.60 15.05

24 M 44.18 20.52 24.56 23.34

36 M 29.39 18.22 19.13 20.57

SINCE INCEPTION* 23.95 17.35 15.27 19.27


MULTICAP PORTFOLIO


MULTICAP PORTFOLIOOBJECTIVE AND INVESTMENT APPROACH


Investment Objective: To deliver capital appreciation over a long term from a diversified portfolio that predominantly invests in equities and equity related instruments across various market capitalization.

The proposed investment approach is as summarised below :

● Rule-based stock selection

● Focus on companies with superior momentum and volatility factors

● Flexible allocation to invest across market capitalisation

● Portfolio would be reviewed for re-balancing on a quarterly basis


UNDERSTANDING RULE-BASED ACTIVE INVESTING


● Model portfolio based weights allocated with a maximum threshold of 8% per stock and 10% during the period of holding● Portfolio would be reviewed for re-balancing on a quarterly basis● This investment approach is 100% in equities and the benchmark is NIFTY 500 TRI● For detailed risk factors please refer to the disclosure document

3 years + Listed track

record

Eliminates 25% of most volatile

stocks

Churn reducing

techniques

MOMENTUM + LOW VOLATILITY PORTFOLIO

TOP 300 COMPANIES BY TOTAL MARKET CAP

LOW VOLATILITY DEFINED BY STANDARD DEVIATION

HIGHEST MOMENTUM DEFINED BY TOTAL PRICE RETURN

PORTFOLIO OF 25-35 STOCKS WILL BE SELECTED


PERFORMANCE OF MULTICAP PORTFOLIO (TWRR)


● Performance is as on Dec 31, 2021; Calculated on a TWRR (time-weighted rate of return) basis ● * Inception Date: April 02, 2016● Past performance may or may not sustained in future and does not guarantee future return● Past performance is post expenses and pre-tax● Above performance data is not verified by SEBI

PERIODMULTICAP NIFTY 500 TRI


12 M 63.35 17.94 31.60 15.05

24 M 38.80 24.60 24.56 23.34

36 M 25.46 21.55 19.13 20.57

60M 14.59 20.03 17.89 17.54

SINCE INCEPTION * 15.10 19.43 17.20 17.07


FREEDOM ETF PORTFOLIO


FREEDOM ETF PORTFOLIOOBJECTIVE AND INVESTMENT APPROACH


● Investment Objective: To generate capital appreciation over a long term through investments in equity oriented - Exchange Traded Funds (ETFs) and Index Funds tracking Indian or Foreign indices

● The proposed investment approach is as summarised below :○ Focused on investing in equity oriented ETFs tracking Indian / Foreign indices○ Currently the portfolio invests in ETFs that are tracking:

■ NIFTY 50 - 25%■ NIFTY NEXT 50 - 25%■ NIFTY MIDCAP 150 - 25%■ NASDAQ 100 - 25%

○ Portfolio re-balancing annually unless there is a large change in allocation due to index performance

○ Benchmark would be NIFTY 500 TRI


DIVERSIFICATION IS THE ONLY FREE LUNCH


● All the Index values are INR denominated● All portfolios are re-balanced yearly● Back-tested period is from January 1, 1986 to July 31, 2020 (approx. 35 yrs)

STATISTICS SENSEX SENSEX & NASDAQCAGR 13% 16%

Standard deviation 25% 20%Downside deviation 15% 12%

Sharpe ratio 0.25 0.44Sortino ratio 0.41 0.72

Worst drawdown -61% -60%Worst month return -31% -18%Best month return 42% 27%Profitable months 58% 62%


PERFORMANCE OF FREEDOM ETF PORTFOLIO (TWRR)



PERIODFREEDOM ETF NIFTY 500 TRI


12 M 32.31 11.83 31.60 15.05

24 M 23.78 18.78 24.56 23.34

36 M 16.29 17.24 19.13 20.57

SINCE INCEPTION* 12.80 16.64 15.69 19.25


DYNAMIC ASSET ALLOCATION PORTFOLIOS


POSITIONING


RISK

RETURN

DEBT PORTFOLIO

DYNAMIC ASSET ALLOCATION PORTFOLIO

EQUITY PORTFOLIO ● Asset allocation is tactically managed based on our

Ruled-Based Active Asset Allocation protocol

● This protocol works on factors such as :

○ Interest Rate Cycles (Short Term & Long Term Rates)

○ Earnings growth rates (Equity Risk Premium)

○ Market Valuations (Relative Valuation)

● This protocol works on delivering superior risk adjusted returns


CONSTRUCT


Our processes focus not only on generating RETURNS but also on managing RISK efficiently

When market risks are low, the portfolio is RETURN oriented

When the market risk is high, the portfolio can MITIGATE RISKS

Asset Allocation through quantitative analysis by a mathematical method

No reliance on instinct and emotions in decision making

Disciplined RULE-BASED ACTIVE INVESTING investment approach and execution of protocol without deviations

This method is tested across various market cycles and long time horizons

System geared to have lower exit loads at the time of rebalancing

METHODOLOGYCHARACTERISTICS


SIMULATED PERFORMANCE OF DAA MODEL


DAA MODEL 1 YR ROLLING 3 YRS ROLLING 5 YRS ROLLING 10 YRS ROLLINGNO OF OBSERVATION 4539 4042 3548 2308

AVERAGE RETURNS 22.96 18.18 16.54 15.31

NO OF OBS. WITH NEGATIVE RETURNS 531 44 0 0

MAXIMUM RETURN 137.57 68.70 48.50 25.75

MINIMUM RETURN -48.44 -5.60 5.46 8.84

OUTPERFORMANCE AGAINST BENCHMARK 69.99 89.21 96.79 100.00

NIFTY 500 TRI 1 YR ROLLING 3 YRS ROLLING 5 YRS ROLLING 10 YRS ROLLINGNO OF OBSERVATION 4539 4042 3548 2308

AVERAGE RETURNS 13.79 12.12 11.52 11.06

NO OF OBS. WITH NEGATIVE RETURNS 450 0 0 0

MAXIMUM RETURN 54.34 30.54 25.28 15.27

MINIMUM RETURN -29.08 1.89 3.82 7.05

● Returns are on a CAGR basis. Data is for Sept 30, 2002 to Dec 31, 2021● Actual performance of the client portfolio may differ from the simulated results

Disclaimer: The simulation is used to explain the concept and is for illustration purpose only and should not be used for development or implementation of an investment approach. Past performance may or may not sustain in future.


HISTORIC ASSET ALLOCATION TIMELINE


● Source: NSE, Internal Research

Time Line Equity Debt NIFTY 500 TRI Level

Apr 4, 2016 65 35 9,279.23

Oct 1, 2016 35 65 10,677.17

Apr 4, 2017 50 50 11,682.98

Oct 1, 2017 40 60 12,577.95

Mar 1, 2018 35 65 13,531.83

Oct 1, 2018 35 65 13,569.58

Apr 1, 2019 40 60 14,421.49

Oct 1, 2019 50 50 13,840.55

Mar 12, 2020 70 30 11,879.69

Mar 27, 2020 75 25 10,550.20

Apr 3, 2020 80 20 10,000.86

Time Line Equity Debt NIFTY 500 TRI Level

Apr 7, 2020 85 15 10,770.05

Jul 15, 2020 75 25 13,124.91

Jul 30, 2020 65 35 13,648.72

Aug 19, 2020 45 55 14,237.02

Oct 5, 2020 30 70 14,403.97

Jan 5, 2021 20 80 17,848.06

Apr 13, 2021 25 75 18,562.24

May 31, 2021 45 55 20,138.10

Jul 2, 2021 40 60 20,585.64

Dec 20, 2021 55 45 21,918.48

Dec 31, 2021 55 45 22,990.88


DYNAMIC STOCK ALLOCATION PORTFOLIO (DSAP) AGGRESSIVE


DSAP AGGRESSIVEOBJECTIVE AND INVESTMENT APPROACH


● Investment Objective: To provide capital appreciation in the medium to long term with relatively lower volatility through a dynamically managed portfolio of equities and debt securities.

● This approach shall invest in following securities:○ Equity & equity related securities (0-100%)○ Cash, Debt oriented Mutual Fund schemes, Debt Exchange Traded Funds, Liquid Funds and

Arbitrage Funds (Direct Plans) (0-100%)

● The proposed investment approach is as summarised below :○ Rule-based asset allocation based on in-house proprietary model with focus on equities,

interest rate & other factors○ For equities, the methodology would be similar to our Bluechip portfolio○ For debt, selection of securities is based on lower credit risk and lower volatility○ Asset allocation re-balancing reviewed quarterly and security rebalancing reviewed half-yearly○ Benchmark would be NIFTY 50 Hybrid Composite Debt 50:50 Index

For detailed risk factors please refer to the disclosure document


PERFORMANCE OF DSAP(A) (TWRR)


● Performance is as on Dec 31, 2021; Calculated on a TWRR (time-weighted rate of return) basis ● *Inception Date: April 02, 2016● Past performance may or may not sustained in future and does not guarantee future return● Past performance is post expenses and pre-tax● Above performance data is not verified by SEBI

PERIODDSAP (A) NIFTY 50 Hybrid Composite

Debt 50:50 Index AVERAGE EQUITY PROPORTIONRETURN VOLATILITY RETURN VOLATILITY

12 M 21.40 6.08 14.53 7.86 34.00

24 M 20.05 11.94 15.54 12.19 46.00

36 M 13.93 10.14 14.45 10.70 44.00

60M 11.39 8.75 13.07 9.05 42.00

SINCE INCEPTION* 11.13 8.56 12.88 8.78 44.00


DYNAMIC ETF ALLOCATIONPORTFOLIO (DEAP) AGGRESSIVE


DEAP AGGRESSIVEOBJECTIVE AND INVESTMENT APPROACH


● Investment Objective: To provide capital appreciation in medium to long term with relatively lower volatility through a dynamically managed portfolio of equities and debt securities.

● This approach shall invest in following securities:○ Equity oriented Exchange Traded Funds (0-100%)○ Debt oriented Mutual Fund schemes, Debt Exchange Traded Funds, Cash and Cash Equivalent,

Liquid Funds and Arbitrage Funds (Direct Plans) (0-100%)

● The proposed investment approach is as summarised below:○ Rule-based Asset allocation based on in-house proprietary model related to equities, interest

rates and other factors○ ETF selection and allocation currently with underlying NIFTY 50 (25%), NIFTY NEXT 50 (50%) &

NIFTY MIDCAP 150 (25%)○ Selection of securities based on lower credit risk and lower volatility○ Asset allocation rebalancing reviewed quarterly and security rebalancing, annually.○ Benchmark: NIFTY 50 Hybrid Composite Debt 50:50 Index



DIVERSIFICATION IS THE ONLY FREE LUNCH


● All the Index values are INR denominated● All portfolios are re-balanced yearly● Back-tested period is from January 1, 1986 to July 31, 2020 (approx. 35 yrs)

STATISTICS SENSEX SENSEX & BANK FDCAGR 13% 13%

Standard deviation 25% 19%Downside deviation 15% 11%

Sharpe ratio 0.25 0.32Sortino ratio 0.41 0.52

Worst drawdown -61% -46%Worst month return -31% -20%Best month return 42% 31%Profitable months 58% 59%


PERFORMANCE OF DEAP(A) (TWRR)



PERIODDEAP (A) NIFTY 50 Hybrid Composite

Debt 50:50 Index AVERAGE EQUITY PROPORTIONRETURN VOLATILITY RETURN VOLATILITY

12 M 12.45 4.43 14.53 7.86 34.00

24 M 14.87 11.09 15.54 12.19 46.00

36 M 11.53 9.54 14.45 10.70 44.00

SINCE INCEPTION* 10.05 8.60 12.95 9.99 42.00


DYNAMIC STOCK ALLOCATIONPORTFOLIO (DSAP) CONSERVATIVE


DSAP CONSERVATIVE OBJECTIVE AND INVESTMENT APPROACH


● Investment Objective: To provide capital appreciation in the medium term with relatively lower volatility through a dynamically managed portfolio of equities and debt securities.

● This approach shall invest in following securities:○ Equity and equity related securities (0-30%)○ Debt oriented Mutual Fund schemes, Debt Exchange Traded Funds, Cash and Cash Equivalent,

Liquid Funds and Arbitrage Funds (Direct Plans) (70%-100%)

● The proposed investment approach is as summarised below:○ Rule-based Asset allocation based on in-house proprietary model related to equities, interest

rates and other factors○ For equities, the methodology would be similar to our Bluechip portfolio○ For debt, securities selection based on lower credit risk and lower volatility○ Asset re-balancing reviewed quarterly and security rebalancing reviewed half-yearly○ Benchmark: NIFTY 50 Hybrid Short Duration Debt 25:75 Index



PERFORMANCE OF DSAP(C) (TWRR)


● Performance is as on Dec 31, 2021; Calculated on a TWRR (time-weighted rate of return) basis ● *Inception Date: January 21, 2021● Past performance may or may not sustained in future and does not guarantee future return● Past performance is post expenses and pre-tax● Above performance data is not verified by SEBI

PERIODDSAP (C)

NIFTY 50 HYBRIDSHORT DURATION DEBT

25:75 INDEXAVERAGE EQUITY

PROPORTIONRETURN VOLATILITY RETURN VOLATILITY

1 M 1.16 2.56 0.61 4.38 12.00

3 M 1.76 2.50 0.18 3.85 12.00

6 M 4.51 2.15 4.37 3.28 12.00

SINCE INCEPTION* 8.74 1.73 9.29 4.01 10.00


DYNAMIC ETF ALLOCATIONPORTFOLIO (DEAP) CONSERVATIVE


DEAP CONSERVATIVEOBJECTIVE AND INVESTMENT APPROACH


● Investment Objective: To provide capital appreciation in the medium term with relatively lower volatility through a dynamically managed portfolio of equities and debt securities.

● This approach shall invest in following securities:○ Equity oriented Exchange Traded Funds (0-30%)○ Debt oriented Mutual Fund schemes, Debt Exchange Traded Funds, Cash and Cash

Equivalent, Liquid Funds and Arbitrage Funds (Direct Plans) (70%-100%)

● The proposed investment approach is as summarised below:○ In-house proprietary model based on equities, interest rates among other factors○ ETF selection and allocation with underlying NIFTY 50 (25%), NIFTY NEXT 50 (50%) &

NIFTY MIDCAP 150 (25%)○ For debt, selection of the securities based on lower credit risk and lower volatility○ Asset re-balancing reviewed quarterly and security rebalancing reviewed, yearly○ Benchmark: NIFTY 50 Hybrid Short Duration Debt 25:75 Index



PERFORMANCE OF DEAP(C) (TWRR)


● Performance is as on Dec 31, 2021; Calculated on a TWRR (time-weighted rate of return) basis ● *Inception Date: January 21, 2021● Past performance may or may not sustained in future and does not guarantee future return● Past performance is post expenses and pre-tax● Above performance data is not verified by SEBI

PERIODDEAP (C)

NIFTY 50 HYBRIDSHORT DURATION DEBT

25:75 INDEX AVERAGE EQUITY PROPORTION


1 M 0.47 2.16 0.61 4.38 12.00

3 M 0.81 1.89 0.18 3.85 12.00

6 M 2.77 1.57 4.37 3.28 12.00

SINCE INCEPTION* 5.84 1.31 9.29 4.01 10.00


LIQUID PORTFOLIO


LIQUID PORTFOLIOOBJECTIVE AND INVESTMENT APPROACH


● Investment Objective: To generate reasonable returns commensurate with low risk by investing in appropriate Mutual Fund schemes.

● This approach shall invest in following securities:○ Arbitrage Funds (Direct Plans) (0-100%)○ Liquid Funds (Direct Plans) (0-100%)○ Overnight Funds (Direct Plans) (0-50%)

● The proposed investment approach is as summarised below:○ Schemes selected based on low credit risk and interest rate risks, consistency of performance,

lower exit load.○ Investments in any Mutual Fund scheme shall generally not be greater than 45% of portfolio○ Single AMC exposure will generally be restricted to 70% of the portfolio○ Re-balancing of portfolio reviewed annually ○ Benchmark: NIFTY Liquid Index



PERFORMANCE OF LIQUID PORTFOLIO (TWRR)


● Performance is as on Dec 31, 2021; Calculated on a TWRR (time-weighted rate of return) basis ● *Inception Date: September 30, 2020● Past performance may or may not sustained in future and does not guarantee future return● Past performance is post expenses and pre-tax● Above performance data is not verified by SEBI

PERIODLIQUID PORTFOLIO NIFTY LIQUID INDEX

RETURN RETURN

1 M 0.28 0.31

3 M 0.80 0.90

6 M 1.52 1.76

12 M 3.01 3.49

SINCE INCEPTION* 2.99 3.46


FEES & CHARGES


INVESTMENTAPPROACH

UPFRONTCHARGES FEE SLAB MANAGEMENT FEE

PER ANNUM*

Bluechip PortfolioDynamic Stock Allocation Portfolio - AggressiveMulticap Portfolio

Nil

Investment Value < 2 CrInvestment Value >= 2 Cr to < 5 CrInvestment Value >= 5 Cr to < 10 CrInvestment Value >= 10 Cr to <20 CrInvestment Value >= 20 Cr to < 30 CrInvestment Value >= 30 Cr to < 50 CrInvestment Value >= 50 Cr

Upto 2.50% Upto 2.00%

Upto 1.50%Upto 1.20%Upto 1.00%Upto 0.80%Upto 0.70%

Dynamic Stock AllocationPortfolio - Conservative Nil

Investment Value < 2 CrInvestment Value >= 2 Cr to < 5 CrInvestment Value >= 5 Cr

Upto 1.00% Upto 0.80%Upto 0.60%

Freedom ETF PortfolioDynamic ETF AllocationPortfolio - Aggressive

Nil

Investment Value < 2 CrInvestment Value >= 2 Cr to < 10 CrInvestment Value >= 10 Cr to <20 CrInvestment Value >= 20 Cr to < 30 CrInvestment Value >= 30 Cr to < 50 CrInvestment Value >= 50 Cr

Upto 1.00%Upto 0.50%Upto 0.30%Upto 0.25%Upto 0.20%Upto 0.20%

Dynamic ETF AllocationPortfolio - Conservative Nil

Investment Value < 2 CrInvestment Value >= 2 Cr to < 5 CrInvestment Value >= 5 Cr

Upto 0.60%Upto 0.40%Upto 0.30%

Liquid Portfolio Nil Investment Value < 30 CrInvestment Value >= 30 Cr

Upto 0.20%Upto 0.15%

*Excluding GST @ 18%


FEES & CHARGES


COMMON

FEATURES

ACROSS

PRODUCTS

Minimum Investment Per Client

Minimum Investment per Investment Approach for Conservative Portfolios

Minimum Investment per Investment Approach (Excl Conservative Portfolios)

Top Up

Mode of Investment

Exit Fees

Audit Fees

INR 50 Lacs*, Multiples of INR 1 thereafter

INR 25 Lacs, Multiples of INR 1 thereafter

INR 5 Lacs, Multiples of INR 1 thereafter

INR 5 Lacs for New Investment Approach INR 1 Lac for existing Investment Approach

Cheque, RTGS, NEFT,Security Transfer(Sell)

1% on withdrawal amount (If redeemed within 1 year)

No Exit Fees on Liquid Portfolio

Upto INR 1200 Per Annum(Currently INR 590 Per Annum)**

*Subject to change as per SEBI ( Portfolio Managers ) Regulations, 2020. | ** May change from time to timeNote: The Portfolio Manager offers the option of direct on-boarding to clients under the Discretionary Services. At the time of on-boarding of clients directly, no charges except statutory charges shall be levied for the on-boarding. The Client may download the application Form from the website of the Portfolio Manager at www.njmutualfund.com for availing the Portfolio Management Services and submit the same with required details and documents for direct on-boarding at the office of the Portfolio Manager.



RISK FACTORS & DISCLAIMER

Investing in securities involves certain risks and considerations associated generally with making investments in securities. The value of the portfolio investments may be affected generally by factors affecting financial markets, such as price and volume, volatility in interest rates, currency exchange rates, changes in regulatory and administrative policies of the Government or any other appropriate authority (including tax laws) or other political and economic developments. Consequently, there can be no assurance that the objective of the Portfolio would be achieved. The value of the portfolios may fluctuate and can go up or down. Prospective investors are advised to carefully review the Disclosure Document, Client Agreement, and other related documents carefully and in its entirety and consult their legal, tax and financial advisors to determine possible legal, tax and financial or any other consequences of investing under this Portfolio and to understand the risk factors, before making an investment decision. Please note that past performance of the financial products, instruments and the portfolio does not necessarily indicate the future prospects and performance thereof. Such past performance may or may not be sustained in future. Portfolio Manager’s investment decisions may not be always profitable, as actual market movements may be at variance with anticipated trends. The investors are not being offered any guaranteed or assured returns. The PM may be engaged in buying/selling of such securities.

Individual returns of Clients for a particular portfolio type may vary significantly from the data on performance of the portfolios as may be depicted by the Portfolio Manager from time to time. This is due to factors such as timing of entry and exit, timing of additional flows and redemptions, individual client mandates, specific portfolio construction characteristics or structural parameters, which may have a bearing on individual portfolio performance. No claims may be made or entertained for any variances between the performance depictions and individual portfolio performance. Neither NJ Asset Management Private Limited (erstwhile NJ Advisory Services Private Limited) (the “Portfolio Manager” or “PM”) nor its Directors or Employees shall be in any way liable for any variations noticed in the returns of individual portfolios. The Client shall not make any claim against the Portfolio Manager against any losses (notional or real) or against any loss of opportunity for gain under various PMS Products, on account of or arising out of such circumstance/ change in market condition or for any other reason which may specifically affect a particular sector or security.

All data/information used in the preparation of this material is dated and may or may not be relevant any time after the issuance of this material. The Portfolio Manager/ the PM take no responsibility of updating any data/information in this material from time to time. In the preparation of this material the PM has used information that is publicly available, including information developed in-house. Some of the material used herein may have been obtained from members/persons other than the PM and/or its affiliates and which may have been made available to the PM and/or to its affiliates. Information gathered and material used herein is believed to be from reliable sources. The PM however does not warrant the accuracy, reasonableness and/or completeness of any information. For data reference to any third party in this material no such party will assume any liability for the same. We have included statements/opinions/recommendations in this material, which contain words, or phrases such as “will”, “expect”, “should”, “believe” and also PE ratios, EPS and Earnings Growth for forthcoming years and similar expressions or variations of such expressions that are “forward looking statements”. Actual results may differ materially from those suggested by the forward looking statements due to risk or uncertainties associated with our expectations with respect to, but not limited to, exposure to market risks, general economic and political conditions in India and other countries globally, the monitory and interest policies of India, inflation, unanticipated turbulence in interest rates, foreign exchange rates, equity prices, the performance of the financial markets in India and globally, changes in domestic and foreign laws, regulations and taxes and changes in competition in the industry



NJ PMS CONTACT DESK

THANK YOU0261-4025000 / 0261-6155000

[email protected] www.njmutualfund.com

mailto:[email protected]

NJ PMS Presentation_ (A RULE-BASED ACTIVE PORTFOLIO ...

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