Child’s marriage Re rement Child’s educa on Medical emergency Child’s educa on Timely financial obliga ons Child’s educa on

Timely financial obliga ons Vaca on Car Re rement Home Child’s marriage Re rement Child’s marriage Medical emergency
Vaca on Home Child’s marriage Child’s educa on CarTimely financial obliga ons Medical emergency Child’s educa on Re rement
Timely financial obliga ons Vaca on Car Re rement Home Child’s marriage Re rement Child’s marriage Medical emergency
Vaca on Home Child’s marriage Child’s educa on Timely financial obliga ons Medical emergency Child’s educa on Re rement
Child’s marriage Re rement Child’s educa on Medical emergency Child’s educa on Timely financial obliga ons Vaca on Car Home
Timely financial obliga ons Vaca on Car Re rement Home Child’s marriage Re rement Child’s marriage Medical emergency
Vaca on Home Child’s marriage Child’s educa on Timely financial obliga ons Medical emergency Child’s educa on Re rement
Timely financial obliga ons Vaca on Car Re rement Home Child’s marriage Re rement Child’s marriage Medical emergency
Vaca on Home Child’s marriage Child’s educa on Car Timely financial obliga ons Medical emergency Child’s educa on Re rement
Child’s educa on Re rement Child’s marriage Medical emergency Child’s educa on Timely financial obliga ons Vaca on Home
Timely financial obliga ons Vaca on Car Re rement Home Child’s marriage Re rement Child’s marriage Medical emergency
Systematic Investment Plan
Vaca on Home Child’s marriage Child’s educa on Timely financial obliga ons Medical emergency Child’s educa on Re rement
Child’s marriage Re rement Child’s educa on Medical emergency Child’s educa on Timely financial obliga onsVaca on Car Home
Timely financial obliga ons Vaca on Car Re rement Home Child’s marriage Re rement Child’s marriage Medical emergency
Vaca on Home Child’s marriage Child’s educa on CarTimely financial obliga ons Medical emergency Child’s educa on Re rement
Timely financial obliga ons Vaca on Car Re rement Home Child’s marriage Re rement Child’s marriage Medical emergency
Vaca on Home Child’s marriage Child’s educa on Timely financial obliga ons Car Medical emergency Child’s educa on Re rement
Child’s marriage Re rement Child’s educa on Medical emergency Child’s educa on Timely financial obliga ons Vaca on Car Home
Timely financial obliga ons Car Vaca on Re rement Home Child’s marriage Re rement Child’s marriage Medical emergency
Vaca on Home Child’s marriage Child’s educa on Timely financial obliga ons Medical emergency Child’s educa on Re rement
Timely financial obliga ons Vaca on Car Re rement Home Child’s marriage Re rement Child’s marriage Medical emergency
Vaca on Home Child’s marriage Child’s educa on Timely financial obliga ons Medical emergency Child’s educa on Re rement
Child’s educa on Re rement Child’s marriage Medical emergency Child’s educa on Timely financial obliga ons Vaca on Car Home
Timely financial obliga ons Vaca on Car Re rement Home Child’s marriage Re rement Child’s marriage Medical emergency
Vaca on Home Child’s marriage Child’s educa on CarTimely financial obliga ons Medical emergency Child’s educa on Re rement
Child’s marriage Re rement Child’s educa on Medical emergency Child’s educa on Timely financial obliga ons Car Vaca on Home
Timely financial obliga ons Vaca on Car Re rement Home Child’s marriage Re rement Child’s marriage Medical emergency
 Did you know?

If your current monthly expenses are ` 30,000/- per month, then after 20 years
you will require ` 80,000/- a month to just maintain the same lifestyle!

An education degree for your child which currently costs ` 20 lakh could
cost over ` 34 lakh after 11 years!

In 1990 petrol price was ` 9.84 and ` 78 today! It has increased 7.5 times in
29 years!

Sensex has grown from approx. 700 points in 1990 to approx. 40,129 points on
31 October, 2019, thus having shown a growth of 57x over a span of 29 years.

Source: Internal analysis. Data as on October 31, 2019

1
 Value of money over time

Over FY79-19 inflation on an average has been 6%,

eroding purchasing power of ` by 95%
100
100
Rupee

80 Inflation erodes purchasing power of money

60

40

20

4.75
CPI=Consumer Price Index
-
Mar-79
Jan-80
Nov-80
Sep-81
Jul-82
May-83
Mar-84
Jan-85
Nov-85
Sep-86
Jul-87
May-88
Mar-89
Jan-90
Nov-90
Sep-91
Jul-92
May-93
Mar-94
Jan-95
Nov-95
Sep-96
Jul-97
May-98
Mar-99
Jan-00
Nov-00
Sep-01
Jul-02
May-03
Mar-04
Jan-05
Nov-05
Sep-06
Jul-07
May-08
Mar-09
Jan-10
Nov-10
Sep-11
Jul-12
May-13
Mar-14
Jan-15
Nov-15
Sep-16
Jul-17
May-18
Jun-18
Jul-18
Oct-19
Source: Bloomberg, MOAMC internal analysis, Data as on January 31, 2020
Note: The information herein is used for comparison purpose and is illustrative and is not sufficient and shouldn’t be used for the development or
implementation of an investment strategy. It should not be construed as an investment advice to any party. Past performance may or may not be
sustained in future.
2
 Importance of good investments

All individuals need to invest for:

Child’s marriage Home

Medical emergency
Child’s educa on

Car
Vaca on

Re rement Other family

obliga ons
3
 Investors usually are scared of …

The risk of
losing some or
all of the
amount
invested.
The downside The risk of
risk in equities market volatility

The risk that The risk of

an investment timing the
can be illiquid market

4
 Life Stages of an Investor

Earnings (Consump on + Savings)

Consump on
Savings and investments

22 27 40 60
Young Independent Young Married Middle Age Re rement

All individuals have a finite period to save for their investment goals 5
 Avenues of savings and investments

Cumulative annualized returns from 1979-2019:

40,000

35,000 If you had invested Rs 100 .....

40,723
30,000

25,000
Nominal Value

20,000

15,000

10,000
5,690
5,000 2,497
-

Nov-18
Mar-79
Jan-80
Nov-80
Sep-81
Jul-82
May-83
Mar-84
Jan-85
Nov-85
Sep-86
Jul-87
May-88
Mar-89
Jan-90
Nov-90
Sep-91
Jul-92
May-93
Mar-94
Jan-95
Nov-95
Sep-96
Jul-97
May-98
Mar-99
Jan-00
Nov-00
Sep-01
Jul-02
May-03
Mar-04
Jan-05
Nov-05
Sep-06
Jul-07
May-08
Mar-09
Jan-10
Nov-10
Sep-11
Jul-12
May-13
Mar-14
Jan-15
Nov-15
Sep-16
Jul-17
May-18
Jun-18

Jun-19
Equities outperform other asset classes over the long term
Source: Bloomberg, MOAMC internal analysis, Data as on January 31, 2020
Note: The above graph is used to explain the concept and is for illustration purpose only and should not used for development or implementation of an investment
strategy. Past performance may or may not be sustained in future.

6
 What is a Systematic Investment Plan (SIP)?

S I P
A Systema c Investment A SIP is a planned approach SIP allows you to buy units
Plan or SIP is a smart and towards investments and on a specified date every
hassle free mode for helps you inculcate the month, so that you can
inves ng money in mutual habit of saving and building implement a saving plan for
funds. It helps you to create wealth by inves ng an yourself. The benefits of this
wealth, by inves ng small amount as low as Rs. 500 can be enjoyed as and when
sums of money at specified monthly. Inves ng at an the need arises for
intervals, over a period of early stage of life lets you occasions like marriage,
me instead of a heavy one- enjoy the benefits of two educa on, buying a house
me investment. powerful strategies, rupee or a car etc. and above all,
cost averaging and the re rement.
power of compounding.

7
 Benefits of SIP

Inculcates the discipline to save and invest regularly

Negates the risk associated with market timing

Power of Compounding

Rupee Cost Averaging

S P
Other Benefits: Auto debit facility across major cities in India, regular account
statements, redemption/dividend proceeds directly credited into the bank account

8
 Benefits of Investing Systematically:
Power of Compounding
Saving a small sum of money regularly in mutual fund schemes can make your money grow with greater
power and can have a significant impact on wealth accumulation. A systematic investment plan (SIP) is an
effective means to beat market volatility and benefit from the enormous power of compounding over time.
The compounding effect can be explained in the illustration below

Systema c Investment Investment Investment Investment

Plan Returns Scenario A Scenario B Scenario C

Number of years 5 Years 10 Years 15 Years

Monthly investment ` 5000 ` 5000 ` 5000
Total investment ` 3,00,000 ` 6,00,000 ` 9,00,000
Assumed annualized return 18% 18% 18%
Final corpus ` 4.93 Lac ` 16.86 Lac ` 46.01 Lac

The above is for illustration purpose only. The SIP amount, tenure of SIP and expected rate of return are assumed figures for the purpose of explaining the concept
of advantages of SIP investments. The actual result may vary from depicted results depending on scheme selected. It should not be construed to be indicative of
scheme performance in any manner.

9
 Power of Compounding

Graph illustrating the power of compounding (Assumed rate of return: 12% p.a.)

9.49 Crs
5 years 15 years 25 years

4.74 Crs
3.80 Crs

2.52 Crs
1.90 Crs

1.26 Crs
94.88 Lac

1.01 Crs
50.46 Lac

41.24 Lac
25.23 Lac

20.62 Lac
4.12 Lac

16.5 Lac
8.25 Lac

Monthly SIP amount 5000 10000 20000 25000 50000

The above graph is used to explain the concept and is for illustration purpose only and should not used for development or implementation of an
investment strategy. The SIP amount, tenure of SIP and expected rate of return are assumed figures for the purpose of explaining the concept of advantages
of SIP investments. The actual result may vary from depicted results depending on scheme selected. It should not be construed to be indicative of scheme
performance in any manner.
10
 Benefits of Investing Systematically:
Rupee Cost Averaging

Rupee cost averaging is an automatic market-timing mechanism that eliminates the need to time one’s
investments.

One doesn’t have to worry about when to invest, how much to invest etc. considering
daily market movements, as systematic investing reduces the risks significantly.

Eliminates the need to time your investments in equities

Smoothens the impact of market fluctuations and hence reduces risks associated with
investing in volatile markets

The risk of market volatility gets negated with more units being purchased when the
price is low and fewer units being bought when the price is high

11
 Rupee Cost Averaging

SIP - Rupee Cost Averaging

SIP Investor Lump-Sum Investor
Month Unit Price (`) Investment (`) Units Purchased^ Investment (`) Unit Purchased^
1 50 1,000 20 9,000 180
2 47 1,000 21
3 45 1,000 22
4 44 1,000 23
5 46 1,000 22
6 48 1,000 21
7 49 1,000 20
8 50 1,000 20
9 52 1,000 19
Total investment ` 9,000 ` 9,000
Total units purchased 188 180
Average unit price ` 48 50
Value a er 9 months ` 9,799 9,360
Hence, at the end of the period total units purchased will be 188 & cost per unit will be ` 48/-. Thus, the
profit for an SIP investor from the above investment will amount to ` 799/- (` 9,799 – ` 9,000)
^Fractional units ignored. The above is for illustration purpose only. The SIP amount and tenure of SIP are assumed figures for the purpose of explaining the
concept of advantages of SIP investments. The actual result may vary from depicted results depending on scheme selected. It should not be construed to be
indicative of scheme performance in any manner. Past performance may or may not be sustained in future.
12
 Importance of Starting Early

The sooner one starts investing the better. Investing early allows your investments to receive more time to
grow, whereby the concept of compounding (as illustrated below) increases your income, by accumulating
the principal and the interest or dividend earned on it, year after year.

The three golden rules for all investors

Invest Early Invest Regularly Invest for Long Term

Par cular Scenario A Scenario B

Start age 25 years 40 years
Monthly investment ` 10,000 ` 10,000
Stop age 60 years 60 years
Total investment ` 42 lacs ` 24 lacs
Savings to grow to* ` 6.5 cr ` 99.9 lacs

Difference in returns of ~` 5.5 crores whereas difference in investment just ` 18 lacs

*Assuming CAGR of 12% for the entire period
Source: Internal Analysis. The statements contained herein may include statements of future expectations and other forward-looking statements that are based
on external current views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to
differ materially from those expressed or implied in such statements.
13
 SIP Performance
Motilal Oswal Focused 25 Fund SIP Performance (As on 31-March-2020)
1 Year 3 Year 5 Year Since Inception
Nifty BSE Nifty BSE Nifty BSE Nifty BSE
Scheme 50 Sensex Scheme 50 Sensex Scheme 50 Sensex Scheme 50 Sensex
TRI TRI* TRI TRI* TRI TRI* TRI TRI*
Invested 120,000 360,000 600,000 820,000
Amount
Market Value 98,407 89,524 90,955 312,711 293,455 304,330 587,444 558,344 581,174 941,333 855,160 886,309
Returns 31.6 -43.4 -41.6 -8.9 -12.8 -10.6 -0.8 -2.8 -1.3 4.0 1.2 2.2
(CAGR) %

Motilal Oswal Midcap 30 Fund SIP Performance (As on 31-March-2020)

1 Year 3 Year 5 Year Since Inception
Nifty BSE Nifty BSE Nifty BSE Nifty BSE
Scheme 50 Sensex Scheme 50 Sensex Scheme 50 Sensex Scheme 50 Sensex
TRI TRI* TRI TRI* TRI TRI* TRI TRI*
Invested 120,000 360,000 600,000 730,000
Amount
Market Value 90,388 83,486 8,9524 273,535 238,687 293,455 494,839 452,059 558,344 654,490 586,539 699,529
Returns -3.5 -7.1 -1.4
(CAGR) % -42.3 -51.0 -43.4 -17.1 -25.0 -12.8 -7.5 -11.1 -2.8

* Also represents additional benchmark

For SIP returns, monthly investment of ` 10,000/- invested on the 1st day of every month has been considered. Performance is for Regular Plan Growth Option. Past performance may or may not be
sustained in the future.
14
 SIP Performance
Motilal Oswal Multicap 35 Fund (As on 31-March-2020)
1 Year 3 Year 5 Year Since Inception
Nifty BSE Nifty BSE Nifty BSE Nifty BSE
Scheme 50 Sensex Scheme 50 Sensex Scheme 50 Sensex Scheme 50 Sensex
TRI TRI* TRI TRI* TRI TRI* TRI TRI*
Invested 120,000 360,000 600,000 710,000
Amount
Market Value 89,422 89,006 89,524 273,109 280,268 293,445 530,204 535,367 558,344 692,641 663,236 685,577
Returns -0.8 -2.3 -1.2
(CAGR) % -43.54 -44.1 -43.4 -17.1 -15.6 -12.8 -4.8 -4.5 -2.8

Motilal Oswal Long Term Equity Fund (As on 31-March-2020)

1 Year 3 Year 5 Year Since Inception
Nifty BSE Nifty BSE Nifty BSE Nifty BSE
Scheme 50 Sensex Scheme 50 Sensex Scheme 50 Sensex Scheme 50 Sensex
TRI TRI* TRI TRI* TRI TRI* TRI TRI*
Invested 120,000 360,000 600,000 620,000
Amount
Market Value 92,181 89,006 89,524 284,077 280,268 293,403 563,966 535,367 558,292 590,041 556,066 579,088
Returns -2.4 -4.5 -2.8 -1.9 -4.1 -2.6
(CAGR) % -40.0 -44.1 -43.4 -14.8 -15.6 -12.8

* Also represents additional benchmark

For SIP returns, monthly investment of ` 10,000/- invested on the 1st day of every month has been considered. Performance is for Regular Plan Growth Option. Past performance may or may not be
sustained in the future.
15
 SIP Performance
Motilal Oswal Dynamic Fund (As on 31-March-2020)
1 Year 3 Year Since Inception
CRISIL Hybrid CRISIL Hybrid CRISIL Hybrid
Scheme 50 + 50 - Nifty 50 Scheme 50 + 50 - Nifty 50 Scheme 50 + 50 - Nifty 50
Moderate TRI TRI* Moderate TRI TRI* Moderate TRI TRI*
Invested Amount 120,000 360,000 420,000
Market Value 107,183 108,101 89,524 338,119 350,386 293,455 405,712 419,882 356,431
Returns (CAGR) % -19.2 -17.9 -43.4 -4.0 -1.8 -12.8 -1.9 -0.02 -9.0

Motilal Oswal Equity Hybrid Fund (As on 31-March-2020)

1 Year Since Inception

Scheme CRISIL Hybrid 35 + 65 Nifty 50 Scheme CRISIL Hybrid 35 + 65 Nifty 50

- Aggressive Index TRI TRI* - Aggressive Index TRI TRI*

Invested Amount 120,000 180,000

Market Value 105,222 102,491 89,524 163,165 157,420 137,640
Returns (CAGR) % -22.0 -25.9 -43.4 -11.8 -15.9 -29.8

* Also represents additional benchmark

For SIP returns, monthly investment of ` 10,000/- invested on the 1st day of every month has been considered. Performance is for Regular Plan Growth Option. Past performance may or may not be
sustained in the future.
16
 How to start an SIP?
SIP – Physical Form SIP – BSE STAR MF System SIP – Under Whatsapp
Fill the Common application and Investor selects scheme in which This facility enables existing
Auto-debit form. Choose from he/she wishes to invest via SIP investors to transact through the
weekly/fortnightly/ along with the frequency, WhatsApp application to execute
monthly/quarterly/annual frequency amount, tenure etc purchase transactions of SIP in a
simplified manner.

Minimum investments of ` 500/ for Investor instructs his/her broker for

weekly/fortnightly/monthly (minimum SIP registration mentioning the
12 installments) necessary details

Minimum investments of `1500/- for Broker registers the investor for

Quarterly (minimum 4 installments) SIP on BSE STAR MF system
Minimum investments of ` 6000/- for
annual (minimum 1 installment)

SIP commences as per the date

For physical form 1st installment mentioned
in the form of a cheque, auto-
debit thereafter for online facility,
scanned copy of cancelled cheque
with name, auto- debit thereafter

The Trustee/AMC reserves the right to change/modify the terms and conditions of the SIP. 17
 Product Suitability

Name of the scheme This product is suitable for investors who are seeking*

Motilal Oswal Focused 25 Fund Ÿ Return by investing in upto 25 companies with long term
(MOF25): An open ended equity sustainable competitive advantage and growth potential
scheme investing in maximum 25 Ÿ Investment in Equity and equity related instruments subject to
stocks intending to focus on Large overall limit of 25 companies
Cap stocks
Motilal Oswal Midcap 30 Fund Ÿ Long-term capital growth
(MOF30): Mid Cap Fund - An Ÿ Investment in equity and equity related instruments in a
open ended equity scheme maximum of 30 quality mid-cap companies having long-term Riskometer
predominantly investing in mid competitive advantages and potential for growth
cap stocks Moderate M
ely od
at Hi erat
Motilal Oswal Multicap 35 Fund Ÿ Long-term capital growth er gh e
od Low ly
M
(MOF35): Multi Cap Fund - An Ÿ Investment in a maximum of 35 equity and equity related
open ended equity scheme instruments across sectors and market-capitalization levels

Low
investing across large cap, mid

High
cap, small cap stocks
Motilal Oswal Long Term Equity Ÿ Long-term capital growth High
Low
Fund (MOFLTE): An open ended Ÿ Investment predominantly in equity and equity related
equity linked saving scheme with instruments; Investors understand that their principal will be
a statutory lock in of 3 years and at Moderately High risk
tax benefit
Motilal Oswal Dynamic Fund Ÿ Long term capital appreciation
(MOFDYNAMIC): An open ended Ÿ investment in equity, derivatives and debt instruments
dynamic asset allocation fund
Motilal Oswal Equity Hybrid Fund Ÿ Long-term capital appreciation by generating equity linked
(MOFEH): An open ended hybrid returns
scheme investing predominantly Ÿ Investment predominantly in equity and equity related
in equity and equity related instruments;
instruments

*Investors should consult their financial advisers if in doubt about whether the product is suitable for them. 18
 Disclaimer

This presentation has been issued on the basis of internal data, publicly available information and other
sources believed to be reliable. The information contained in this document is for general purposes only and
not a complete disclosure of every material fact. The information / data herein alone is not sufficient and
shouldn’t be used for the development or implementation of an investment strategy. It should not be
construed as investment advice to any party. All opinions, figures, estimates and data included in this
presentation are as on date. The presentation does not warrant the completeness or accuracy of the
information and disclaims all liabilities, losses and damages arising out of the use of this information. The
statements contained herein may include statements of future expectations and other forward-looking
statements that are based on our current views and assumptions and involve known and unknown risks and
uncertainties that could cause actual results, performance or events to differ materially from those
expressed or implied in such statements. Readers shall be fully responsible/liable for any decision taken on
the basis of this presentation. For more details please refer to scheme information document of respective
schemes.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Call: 81086 22222 or 022-4054 8002 | Visit: www.motilaloswalmf.com

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