Mutual Fund

An Investor Education Initiative

#ItihasGawahHai

Ups & downs are a part of the market. When in doubt, take expert advice.

Considering the uncertain & volatile market condition, it’s understandable if you are confused. But history tells us, this is not the first time market volatility has struck, and those who made the right moves in the past, mostly came out stronger on the other side.

Consult an expert before making any investment decision.

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Key Historic Market Downturns in India

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1863-65
First crash in the Indian stock market
The American Civil War also brought the first bubble on the BSE. The conflict choked the supply of American cotton, and importers turned to India. The commodity was then nicknamed "White Gold".
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1992
Harshad Mehta Scam
A systematic fraud of over 1000 crores from the banking system of India to buy stocks on the BSE, which made the entire securities system collapse.
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2007-2009
Global Financial Crisis
The worst two years of the Indian equity market, after the bursting of the US housing bubble and the global financial crises.
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2016
Demonetisation
Currency units were stripped of their status as legal tender. Forms of money were pulled from circulation and retired, to be replaced with new notes or coins.
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2020
COVID-19
Economic downturn associated with the COVID-19 pandemic has had a severe impact on financial markets.

The market has seen many downturns, but has recovered over a period of time.

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Strategies that have worked for investors in the past

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Stay Invested through SIPs
#ItihasGawahHai
Time in the market is better than timing the market.
Stay invested through SIPs.
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Make Planned Choices
Choose suitable fund, frequency
and installment date.
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Use Power of Compounding
Grow your investment multiple
times in the long run
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Grab the Opportunity
Buy more units during
market lows and be patient.
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Invest Systematically
No need to time the market.
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Start Early
Reach your goals sooner.
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Think Longer-term with Equity
#ItihasGawahHai
When it comes to equity investments,
long-term is a lot longer.
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Equities may be volatile in the short-term, but have the potential to create wealth in the long-term.
Think of what you want, at least 10 years from now.
Consider your age & income while planning goals.
Keeping a longer-term perspective with equity investments is a great strategy to
get through market downturns.
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Diversify to Reduce Risk
#ItihasGawahHai
Diversify your investment portfolio to reduce risk.
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Allocate
Balance investment across asset classes: Equity, Debt, Gold, Fixed Deposit, and International Equity.
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Distribute
Invest in multiple asset classes in one go, through a diversified mutual fund.
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Adjust
Choose asset classes & allocation as per your risk profile & goals.
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Adapt
Consider investing in international markets, with quality companies across different regions & sectors.
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Assess
Track portfolio performance periodically, and rebalance if required.

History Tells Us - Time is Money

Use the calculator to find out how much your past
investment could have grown till now.

Choose preferred mode of investment
Lumpsum
SIP
Allocate percentage investment across asset classes*
Equity
%
Fixed Income
%
Gold
%
Fixed Deposit
%
International Equity
%
Grand Total
%

Grand total needs to be 100

Choose start year
2003
Current value of investment would have been:
0
Despite volatility, your investment could have grown by 0%

Past Performance may or may not be sustained in the future. Historical returns are not indicative of future returns and this calculator is for general awareness on performance of each asset class to assist you for planning your financial goals and this calculator alone may not be sufficient and Investors are advised to take help of an expert before making any investment decision. Market linked asset classes are subject to market risks, therefore, investors should invest according to their risk appetites and investment needs. Benchmark for different asset classes - Equity (Nifty 50), International Equity (S&P 500 in INR), Fixed Income (CRISIL Short Term Bond Fund Index), Gold (Gold price in INR), FD (1 year FD Rates of SBI Bank). Data is as on July 31, 2020, and is sourced from www.advisorkhoj.com. The appreciated value provided by the calculator is CAGR for Lumpsum & XIRR for SIP returns and final value does not take into consideration any expense and taxation liability(removed comma here) if any. The rate of return used are for illustration only. For the purpose of calculation, it is assumed that investment installments are made at the beginning of the month/ year as the case may be. SIP in the case of Fixed Deposits is assumed to be a recurring deposit with monthly frequency. PMF/ AMC/ Trustee/ Sponsor or any other group companies will not accept any liability whatsoever for any financial or non- financial consequences arising from the use of this tool and makes no warranty about the accuracy of this tool.

How to choose a mutual fund for different goals?
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Short -Term Goals
(1 month - 12 months)
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Smart tip
Aim to keep your capital intact and don’t leave your surplus money idle.
Suggested
Liquid/Debt Funds
  • Low risk in the short-term, when compared to equities.
  • An ideal parking spot for your surplus money.
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Medium-Term Goals
(1 year - 3 years)
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Smart tip
Use the time to take calculated risks and aim to beat inflation with equities.
Suggested
Balanced/Hybrid Funds
  • Unlock the potential to create wealth, as some portion is invested in equities
  • Major portion is invested in low-risk fixed income instruments to create the right balance.
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Long-Term Goals
(> 3 years)
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Smart tip
Longer the term, lesser the risk in equities.
Suggested
Equity Funds
  • Potential to generate wealth in the longer term.
  • No need to time the market if you invest in equities through SIP.
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Chandragupta consulted Chanakya.
Akbar consulted Birbal.
Everybody needs advice!

An Investor Education Initiative. All investors are requested to note that KYC is mandatory for transacting in Mutual Funds. Investors should invest in SEBI registered Mutual Funds only and same can be verified on SEBI website. Investors can lodge complaints on SEBI SCORES portal as well. For more details on KYC process, change of address or other contact details and for change of bank mandate, investors can visit www.principalindia.com.

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