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Level 1, Trade Centre, Bandra Kurla

Complex, Bandra (E), Mumbai - 51

IDEAL PORTFOLIO

Name –

Age –

Investment – 15 Lakh


Complex, Bandra (E), Mumbai - 51 2

agiLe Break Up

70

10

10

10

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Equity

Gold

Debt

Cash

3


Complex, Bandra (E), Mumbai - 51

EQUITY

EQUITY - Equity investors are essentially 'owners' and have a right to gain

future profits. Returns from these shares depend on external factors like

market conditions, political scenario, etc. and also internal factors like the

company's performance, change in management structure, etc. Stocks or

equities, as an investment vehicle may be risky as the stock market can be

highly volatile. Gains can be enormous, so can be the losses. Equity is best

for long-term investing as gains and losses get averaged out due to market

conditions. This asset class is known to give the highest rate of return over

time and also giving investors the benefit of liquidity.

Equity based investments are essential to achieve major investment

objectives as they offer the potential for growth and generally outrun

inflation, providing investors with much-needed ”implicit return”. However,

dealing solely with equity can be highly volatile and more risky.

Sensex has risen from 2600 points in 1998 to 16080 on October 05, 2011

almost a rise of 620%% and in the same time Nifty has given a return of

600%



EQUITY MODEL

Sector Stocks Reason

Resources Coal India World‟s Largest Coal Reserve Holder. Coal

India is the primary beneficiary of the

structural deficit of coal in India

Financial

Services

Axis Bank Banking revenue set to grow 5.3X to `10.6

Lakh Crores, Axis is front runner to capture

this opportunity

Organized Retail Pantaloon Retail Organized Retail to grow 6.3X to `6.3 Lakh

Crores, FDI in retail to bring in global biggies,

Pantaloon Retail is the biggest beneficiary

Automobiles M & M Automobile market forecast to grow ~5X to

`4.3 Lakh Crores & it has a strong presence

in rural area to catch the rural growth

Domestic

Consumption

ITC Cigarettes business to remain robust, FMCG

the trump card, classic domestic consumption

bet



Sector Stocks Reason

Pharmaceutic

al & Drugs

Biocon Pharmaceutical Market size of US 6.3 billion in 2005

will grow up to US$ 20 billion by 2015 which implies a

CAGR of 12.3% and Biocon is sure to take a big pie.

Engineering -

Construction

Larsen &

Turbo

Government in its proposed budget this year increased

spending in infrastructure sector by 23% up to ` 2,14,000 Crores and also gave importance to PPP

project development which makes Larsen & Turbo a

sure BUY

NBFC IDFC India‟s Infrastructure lending is poised to grow from

US$ 10 billion to US$ 12 billion between 2010 – 2014

and up to US$ 25 billion thereafter

Oil & Gas Reliance

Industries

Limited

Oil & Gas consumption of a country increases with rise

in its GDP and India with its constant economic growth

is sure to add value to RIL

IT - Software Tata

Consultanc

y Services

The engineering services outsourcing (ESO) market,

which is estimated to grow at $40 billion by 2020 from

the current level of $2.5 billion to $3 billion, presents

huge potential for domestic IT companies especially for

TCS Level 1, Trade Centre, Bandra Kurla


EQUITY PORTFOLIO

BREAK UP

Equity Portfolio Break Up Allocation%

Large Cap 70.0%

Mid Cap 30.0%



Large Cap, 70.0%

Mid Cap, 30.0%

0.0%

10.0%

20.0%

30.0%

40.0%

50.0%

60.0%

70.0%

80.0%

Large Cap Mid Cap

EQUITY PORTFOLIO

HOLDING

Company Name Net Asset(%) Value(Rs)

Coal India Ltd. 10.0% 105000.0

Infrastructure Development Finance Company Ltd.

10.0% 105000.0

Tata Consultancy Services Ltd. 10.0% 105000.0

Biocon Ltd. 10.0% 105000.0

Axis Bank Ltd. 10.0% 105000.0

Pantaloon Retail (India) Ltd 10.0% 105000.0

ITC Ltd. 10.0% 105000.0

Mahindra & Mahindra Ltd. 10.0% 105000.0

Larsen & Toubro Ltd. 10.0% 105000.0

Reliance Industries Ltd. 10.0% 105000.0

Total 100.0% 1050000.0



10 10

10

10

10 10

10

10

10 10

Equity Portfolio Holding

Coal India

ITC

Mahindra & Mahindra

Biocon

Tata Consultancy Services

Pantaloon Retail

Axis Bank

IDFC

Larsen & Turbo

Reliance Industries Limited



PORTFOLIO SECTOR

ALLOCATION

Industry Net Asset(%) Value(Rs)

Retailing 10.0% 105000.0

Refineries 10.0% 105000.0

Pharmaceuticals & Drugs 10.0% 105000.0

Mining & Minerals 10.0% 105000.0

IT - Software 10.0% 105000.0

Finance Term Lending 10.0% 105000.0

Engineering - Construction 10.0% 105000.0

Cigarettes/Tobacco 10.0% 105000.0

Bank - Private 10.0% 105000.0

Automobiles-Tractors 10.0% 105000.0

Total 100.0% 1050000.0



10 10

10

10

10 10

10

10

10 10

Portfolio Sector Allocation

Retailing

Refineries

Pharmaceutical & Drugs

Mining & Minerals

IT - Software

Finance Term Lending

Engineering - Construction

Cigarettes/ Tobacco

Bank - Private

Automobiles - Tractor



RETURNS(as on Oct 5, 2011)

Scheme Name Current Value

Allocation%

6 Months

1 Year 2 Year 3 Year 5 Year

Axis Bank Ltd. 105,000 10.00% -29.69 -36.99 -0.89 12.12 21.09

Biocon Ltd. 105,000 10.00% -5.35 -7.86 13.27 25.74 12.38

Coal India Ltd. 105,000 10.00% -3.12 0.00 0.00 0.00 0.00

Infrastructure Development Finance Company Ltd.

105,000 10.00% -31.69 -47.11 -15.85 15.77 10.48

ITC Ltd. 105,000 10.00% 6.62 8.95 29.36 26.93 15.69

Larsen & Toubro Ltd. 105,000 10.00% -20.15 -37.19 -11.00 4.40 16.05

Mahindra & Mahindra Ltd. 105,000 10.00% 13.98 13.43 34.66 46.47 18.77

Pantaloon Retail (India) Ltd 105,000 10.00% -29.71 -62.30 -24.41 -6.65 -10.91

Reliance Industries Ltd. 105,000 10.00% -23.87 -21.69 -14.74 -3.62 6.30

Tata Consultancy Services Ltd. 105,000 10.00% -11.50 8.73 28.44 47.04 15.52

Total 1,050,000 100.00%



CURRENT EQUITY

PORTFOLIO ANALYSIS (as on Oct 05,2011)

Ratio Analysis Portfolio

Beta 1.05

Standard Deviation 4.60

P/E Ratio 21.50

P/B Ratio 4.58



OUR STRATEGY

Indian economy is largely depended on domestic consumption.

Equity Model Portfolio is also largely concentrated on Indian Consumption except for TCS and RIL and therefore have negligible impact of any economic slowdown in US and Europe and with rise in income of Indian public and rising consumption level Indian economy is looking very optimistic.

The overall Indian market is set to quadruple over the next one and half decades, as expected, growth will not be even across consumption categories, leading to significant changes in the “share of wallet” of various spending. The Indian consumption pattern are evolving rapidly and will continue to do so in the coming decades. Most importantly as seen in other economies during periods of income growth , the share of necessities will fall and share of discretionary spending is estimated to rise to 70% of total spending in 2025 from 52% in 2005



NON CONVERTIBLE

DEBENTURE (DEBT)

A Non Convertible Debenture (NCD in short) is a low to moderate risk debt instrument issued by companies, for a fixed maturity period at a fixed rate of interest. NCDs cannot be converted into equity.

ADVANTAGES

Issuance and trading: NCDs are issued and traded in demat form.

Returns: NCDs are ideal for conservative investors who seek higher returns but are risk averse. Returns are generally in the range of 11 to 12%, depending upon the company.

Safety: NCDs are relatively safer than company FDs. They possess low to moderate amounts of risk depending upon the company. NCDs could be secured or unsecured.

Liquidity: Investors could liquidate NCDs by either selling it on the stock exchange or by exercising the Call or Put Option.

Tax Implication: There is no Tax Deducted at Source (TDS) on NCD investments. However for NRI investors, there is a TDS deduction. The interest income of an NCD is taxed at normal rates and is included under Income from other sources



DEBT MODEL

SHRIRAM TRANSPORT FINANCE COMPANY

Part of „SHRIRAM‟ Conglomerate

Shriram Transport Finance Company Limited is India's largest player

in commercial vehicle finance

Established in the year 1979

The company has a network of 488 branches and service centers.

It is one of the largest asset financing NBFCs in India with a niche

presence in financing pre-owned trucks and Small Truck Owners

(STOs).



DEBENTURE PORTFOLIO

HOLDING

Company Name Net Asset(%) Value(Rs) Shriram Transport Finance Co Ltd. (NCDs) - STF NCD3 OT

100.0% 150000

Total 100.0% 150000



100

Shriram Transport

Finance Co Ltd.

(NCDs)

RETURN (as on Oct 5, 2011)


Allocation%

6 Months


Shriram Transport Finance Co Ltd. (NCDs) - STF NCD3 OT

150,000 100.00% 0.00 0.00 0.00 0.00 0.00

Total 150,000 100.00%



Since the listing was recently historic data is unavailable

GOLD

GOLD - Gold, the first metal used by humans, remains one of the

most valued metals since prehistoric times. Gold has long been

considered one of the most precious metals, and its value has been

used as the standard for many currencies (known as the gold

standard) in history. Gold has been used as a symbol for purity,

value, royalty, and particularly roles that combine these properties.

On the surge of economic slowdown the demand for gold has

almost doubled in China increasing the price further.

Gold is a popular hedge against stock market and dollar decline



GOLD PORTFOLIO

HOLDING

Company Name Net Asset(%) Value(Rs) Benchmark Mutual Fund – Gold Benchmark Exchange Traded Scheme (Gold BeES)

100.0% 150000

Total 100.0% 150000



100

Benchmark Mutual

Fund - Gold

Benchmark

Exchange Traded

Scheme (Gold)

RETURNS(as on Oct 05, 2011)


Allocation%

6 Months


Benchmark Mutual Fund – Gold Benchmark Exchange Traded Scheme (Gold BeES)

150,000 100.00% 27.22 37.27 28.70 0.00 0.00

Total 150,000 100.00%



Contact Us –

Level 1, Trade Centre,

Bandra – Kurla Complex,

Bandra (E), Mumbai – 51

Shop No – 5, Prakash Kunj Building

VN Purav Marg, Chembur (E), Mumbai – 71

www.craftwealth.com

Dhanaji Dabade - +91 9321110767

[email protected]

22

http://www.craftwealth.com/

agile investment

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