`

`

`

`

`

`

`

`

`

``

`

`

`

`

`

`

``

`

`

`

`

`

`

Guide to select Mutual Funds Portfolio2017 MOBILE FRIENDLY EBOOK

www.groww.in

DISCLAIMER:

Mutual Funds are subject to market risk.This is based on historical data and our analysis.Please read the offer documents carefully before investing.

Historydoes notrepresentfuture

CONTENTS

Goal of this guide 4

Ready Made Portfolios

Tax Saver ELSS Portfolio 6

5

Best SIPs for 2017 8

SIPs of `1000 for 20 Years 10

Better than Fixed Deposit 12

Kids Education In 10 Years 14

Portfolio for Best Retirement 16

High Risk High Returns 18

Generate Monthly Income 20

Do-It-Yourself Portfolios 22

Build your DIY Portfolio 23

Category Selection 24

Fund Selection 25

Balanced - hybrid 26

Large Cap - equity 27

Multi Cap - equity 28

Mid Cap - equity 29

Small Cap - equity 30

Groww 5 Star 31

Groww

GOAL OF THIS GUIDE

4

Ready MadeMF PortfoliosTO GET STARTED

Do-It-Yourself (DIY)MF PortfoliosSELECTION GUIDE

To help you pick funds and build your portfolio from set of good funds.

Groww

A portfolio is basket of mutual funds put together to achieve investment needs.

It’s divided into two parts:

Ready MadePortfolios

TO GET STARTED

Tax SaverELSS Portfolio

6

33%

EQUITY TAX

Reliance Tax Saver (ELSS) Fund

33%

EQUITY TAX

ICICI Prudential Long Term Equity Fund

33%

EQUITY TAX

DSP BlackRock Tax Saver Fund

TAX SAVINGEQUITY LOCK-IN

SIPIdeal way

5+ yrsIdeal DurationRisk

High ` 1,500Min SIP Amt

Invest in this - if you want to save tax under section 80C. Both the investments and returns are tax exempt upto limit of 1.5L under section 80C.

Groww

7

Returns As on Apr 17, 2017

1Yr

27%3Yr

23%5Yr

21%Avg.

15%

A SIP of Rs 10,000 per month would approximately generate around 26 Lac after 10 years (assuming 15% annualized returns)

PROS CONS

Consistent High ReturnsTax saving upto 1.5 LacMin SIP is Low

Lock-in for 3 yearsRisk is High

3Yr From Mar 30, 2014 To Mar 30, 2017

Jul '14 Jan '15 Jul '15 Jan '16 Jul '16 Jan '17

-25%

0%

+ 25%

+ 50%

+ 75%

PORTFOLIO BENCHMARK

TAX SAVER ELSS PORTFOLIO

Groww

Best SIPsfor 2017

8

20%ICICI Prudential Balanced Fund

HYBRID EQUITY ORIENTED

20%Birla Sun Life Equity Fund

EQUITY MULTI CAP

20%Mirae Asset India Opportunities

EQUITY LARGE CAP

20%Principal Emerging Bluechip Fund

EQUITY MID CAP

20%Reliance Small Cap Fund

EQUITY SMALL CAP

LONG TERMEQUITY SIP

`` `

`` `

``

SIPIdeal way

10+ yrsIdeal DurationRisk

High ` 10,000Min SIP Amt

Invest in this - if you haven’t decided the purpose but want to invest for long term. Consists of 4 equity mutual funds and 1 hybrid fund.

Groww

BEST SIPS FOR 2017

9

Returns

1Yr

33%3Yr

27%5Yr

24%Avg.

18%

A SIP of Rs 10,000 per month would approximately generate around 1.3 Cr after 20 years (assuming 15% annualized returns)

PROS CONS

Consistent High ReturnsFully DiversifiedNo Lock-in

Risk is HighHigh Minimum SIP

As on Apr 17, 2017

Jul '14 Jan '15 Jul '15 Jan '16 Jul '16 Jan '17

-25%

0%

+ 25%

+ 50%

+ 75%

+ 100%

3Yr From Apr 12, 2014 To Apr 12, 2017 PORTFOLIO BENCHMARK

Groww

SIPs of `1000 for 20 Years

10

SIP LONG TERMEQUITY ` 1000

1K 1K 1K

` ` `

SIPIdeal way

10+ yrsIdeal Duration

` 1,000Min SIP AmtRisk

High

Invest in this - if you want to invest very small amount per month. This portfolio diversifies your investment across two high quality equity funds for good long term return.

50%

EQUITY MID CAP

L&T India Value Fund

50%

EQUITY LARGE CAP

Mirae Asset India Opportunities

Groww

SIPS OF `1000 FOR 20 YEARS

11

Returns

1Yr

30%3Yr

27%5Yr

23%Avg.

21%

A SIP of Rs 1,000 per month would approximately generate around 13 Lac after 20 years (assuming 15% annualized returns)

PROS CONS

Consistent High ReturnsLow Min SIPNo Lock-in

Risk is HighConcentrated

As on Apr 17, 2017

3Yr From Apr 10, 2014 To Apr 10, 2017 PORTFOLIO BENCHMARK

-25%

0%

+ 25%

+ 50%

+ 75%

+ 100%

Jul '14 Jan '15 Jul '15 Jan '16 Jul '16 Jan '17

Groww

Invest in this - if you want a superior alternative to FD. This portfolio is better compared to FD because of better returns, better liquidity and better tax implications at the cost of low risk.

Better than Fixed Deposit

12

```

LOW RISKDEBT FDSHORT TERM

LumpsumIdeal way

1+ yrsIdeal Duration

` 1,000Min AmountRisk

Very Low

50%

DEBT ULTRA SHORT TERM

Franklin India Low Duration Fund

50%

DEBT SHORT TERM

HDFC Short Term Opportunities Fund

Groww

BETTER THAN FIXED DEPOSIT

13

A investment of Rs 1 Lac would become ~2.35 Lacs after 10 yrs compared to 1.95 Lacs in FD (assuming 9% annualized returns)

PROS CONS

Higher ReturnsVery Low RiskNegligible Tax after 3 yrs

ConcentratedSlightly Risker than FD

Returns As on Apr 17, 2017

1Yr

9.2%3Yr

9.5%5Yr

9.5%Avg.

8.7%

1Yr From Apr 2, 2016 To Apr 2, 2017 PORTFOLIO BENCHMARK

-2.5%

0%

+ 2.5%

+ 5%

+ 7.5%

May '16 Jul '16 Sep '16 Nov '16 Jan '17 Mar '17

Groww

Kids EducationIn 10 Years

14

HYBRID MODERATE RISK

SIPIdeal way

10+ yrsIdeal Duration

` 3,500Min SIP AmtRisk

ModeratelyHigh

33%

HYBRID EQUITY ORIENTED

ICICI Prudential Balanced Fund

33%

EQUITY MULTI CAP

Kotak Select Focus Fund

33%

EQUITY LARGE CAP

Quantum Long Term Equity Fund

Invest in this - if you are a young parent and want to save for your kids education. It is equity oriented portfolio with time horizon of 10 years.

Groww

KIDS EDUCATION IN 10 YEARS

15

Returns

1Yr

26%3Yr

20%5Yr

19%Avg.

15%

A SIP of Rs 10,000 per month would approximately generate around 26 Lacs after 10 years (assuming 15% annualized returns)

PROS CONS

Consistent High ReturnsFully DiversifiedLow Min SIP

Moderately High Risk

As on Apr 17, 2017

3Yr From Mar 21, 2014 To Mar 21, 2017 PORTFOLIO BENCHMARK

Jul '14 Jan '15 Jul '15 Jan '16 Jul '16 Jan '17

-25%

0%

+ 25%

+ 50%

+ 75%

Groww

20%Mirae Asset India Opportunities

Fund EQUITY LARGE CAP

20%DSP BlackRock Small and Midcap

Fund EQUITY MID CAP

20%Principal Emerging Bluechip Fund

EQUITY MID CAP

20%Reliance Small Cap Fund

EQUITY SMALL CAP

20%Birla Sun Life Equity Fund

EQUITY MULTI CAP

Invest in this - if you want a comfortable retirement or want to quit your job early. This portfolio will build significant wealth for you till your retirement. Consists of 5 equity mutual funds.

Portfolio for BestRetirement

16

LONG TERMHIGH RISKEQUITY

SIPIdeal way

10+ yrsIdeal Duration

` 10,000Min SIP AmtRisk

High

Groww

BEST RETIREMENT PORTFOLIO

17

Returns

1Yr

36%3Yr

29%5Yr

25%Avg.

19%

A SIP of Rs 10,000 per month would approximately generate around 1.3 Crores after 20 years (assuming 15% annualized returns)

PROS CONS

Consistent High ReturnsFully Diversified

Risk is HighHigh Minimum SIP

As on Apr 17, 2017

3Yr From Apr 12, 2014 To Apr 12, 2017 PORTFOLIO BENCHMARK

-50%

0%

+ 50%

+ 100%

Jul '14 Jan '15 Jul '15 Jan '16 Jul '16 Jan '17

Groww

High RiskHigh Returns

18

`

LONG TERM HIGH RISKEQUITY

SIPIdeal way

5+ yrsIdeal Duration

` 10,000Min SIP AmtRisk

High

SIP

Invest in this - if you don’t mind taking risk. Invests mainly in small cap, mid cap and sectoral funds to get high returns. However, there is a significant chance to lose capital.

20%L&T India Value Fund

EQUITY MID CAP

20%Principal Emerging Bluechip Fund

EQUITY MID CAP

20%Reliance Small Cap Fund

EQUITY SMALL CAP

20%Kotak Emerging Equity Scheme

EQUITY SMALL CAP

20%UTI Transportation and Logistics

EQUITY SECTOR AUTO

Groww

HIGH RISK HIGH RETURNS

19

Returns

1Yr

36%3Yr

33%5Yr

28%Avg.

30%

A SIP of Rs 10,000 per month would approximately generate around 29 Lacs after 10 years (assuming 18% annualized returns)

PROS CONS

Consistent High ReturnsDiversifiedNo Lock-in

Risk is Very HighHigh Minimum SIP

As on Apr 17, 2017

3Yr From Apr 12, 2014 To Apr 12, 2017 PORTFOLIO BENCHMARK

Jul '14 Jan '15 Jul '15 Jan '16 Jul '16 Jan '17

-50%

0%

+ 50%

+ 100%

Groww

Generate MonthlyIncome

20

ZERO EXIT LOADLOW RISKDEBT

Invest in this - if you have large amount to invest and you want regular monthly income from your investments. This is mainly a debt portfolio.

LumpsumIdeal way

1+ yrsIdeal Duration

` 1,000Min AmountRisk

Very Low

`

50%

EQUITY ULTRA SHORT TERM

JM Floater Long Term Fund

50%

EQUITY ULTRA SHORT TERM

BOI AXA Treasury Advantage

Groww

GENERATE MONTHLY INCOME

21

Returns

1Yr

9.2%3Yr

9.5%5Yr

9.5%Avg.

8.7%

A investment of Rs 1 Lac would become ~2.35 Lacs after 10 yrs compared to 1.95 Lacs in FD (assuming 9% annualized returns)

CONSPROS

Higher ReturnsVery Low RiskZero Exit Load

ConcentratedLimited Returns

As on Apr 17, 2017

3Yr From Apr 10, 2014 To Apr 10, 2017 PORTFOLIO BENCHMARK

-10%

0%

+ 10%

+ 20%

+ 30%

Jul '14 Jan '15 Jul '15 Jan '16 Jul '16 Jan '17

Groww

DIYPortfolios

SELECTION GUIDE

Groww 23

Build your DIY Portfolio in

2 simple steps

Category SelectionCategory Selection is more important

than selecting a Mutual Fund. Categories align with your goals or purpose.

Fund SelectionWe can’t predict future.

Increase probability of higher returns by selecting good mutual funds.

1. Category Selection

24

MIDrisk

ShortTermDEBT

Balanced

HYBRID

Large /MultiEQUITY

Mid /SmallEQUITY

HIGHrisk

LongTermDEBT

Large /MultiEQUITY

Mid /SmallEQUITY

As time increases, risk goes down

BETS

Large /Multi

Mid /Small

EQUITY EQUITY

Sector Sector

EQUITY EQUITY

Liquid /UST

ShortTerm Balanced Large /

MultiDEBT DEBT HYBRID EQUITY

<1 yr 1-3 yr 3-5 yr 5+ yr

Duration in years

LOWrisk

Groww

Shortlist funds based on important parameters.

Parameters depend on a category

2. Fund Selection

25

RETURNS should be significantly higher than its

category benchmark

ASSET UNDER MANAGEMENT should not be too low

or too high

AGE should have enough history to evaluate

performance

EXPENSE RATIO should not be very high

TRACK RECORD of beating the benchmark

consistently in the recent past

SHARPE RATIO (for equity) should be signifianctly

higher than the benchmark

DEBT RATING (for debt) should be atleast AA

Fund should be TRUE TO ITS CATEGORY

Groww

BalancedHYBRID

3Yr Ret

20.3%HDFC Balanced Fund

3Yr Ret

19.9%ICICI Prudential Balanced Fund

Benchmark: CRISIL Balanced Fund As on Apr 17, 2017

Selection Method

AGE

26

3Yr Ret

19.9%Birla Sun Life Balanced 95

At least 2% more than benchmark for 1Y, 3Y and 5Y duration

Beat benchmark at least 7 times in last 10 quarters

` 1k Cr to ` 15K Cr

At least 5 years

Lower than 2.5%

> 1.2 (1.2x of benchmark)

60% in Equity

Groww

Large CapEQUITY

SBI Bluechip Fund3Yr Ret

20.5%

3Yr Ret

21.4%Mirae Asset India Opportunities

Benchmark: Nifty 200 As on Apr 17, 2017

Selection Method

AGE

27

3Yr Ret

17.0%Quantum Long Term Equity Fund

At least 2% more than benchmark for 1Y, 3Y and 5Y duration

Beat benchmark at least 7 times in last 10 quarters

` 500 Cr to ` 15K Cr

At least 5 years

Lower than 2.5%

> 0.9 (1.2x of benchmark)

80% in Large Cap

Groww

Multi CapEQUITY

3Yr Ret

26.4%Franklin High Growth Companies

Benchmark: Nifty 500 As on Apr 17, 2017

Selection Method

AGE

28

3Yr Ret

24.7%SBI Magnum Multicap Fund

3Yr Ret

24.4%Birla Sun Life Equity Fund

At least 3% more than benchmark for 1Y, 3Y and 5Y duration

Beat benchmark at least 7 times in last 10 quarters

` 500 Cr to ` 10K Cr

At least 5 years

Lower than 2.5%

> 1.0 (1.2x of benchmark)

60% in Large Cap

Groww

Mid CapEQUITY

Benchmark: Nifty Free Float Midcap 100

3Yr Ret

35.2%*Mirae Asset EmergingBluechip

* Only accepting SIP upto 25k

As on Apr 17, 2017

Selection Method

AGE

29

3Yr Ret

31.3%Principal Emerging Bluechip Fund

At least 5% more than benchmark for 3Y and 5Y duration

At least 7 times beat benchmark in last 10 quarters

` 200 Cr to ` 5K Cr

At least 5 years

Lower than 2.7%

> 1.2 (1.1x of benchmark)

80% in Mid and Large Cap

3Yr Ret

31.8%L&T India Value Fund

Groww

Small CapEQUITY

Benchmark: S&P BSE Small Cap

3Yr Ret

38.3%Reliance Small Cap Fund

As on Apr 17, 2017

Selection Method

AGE

30

3Yr Ret

35.2%Kotak Emerging Equity Scheme

At least 5% more than benchmark for 1Y, 3Y and 5Y duration

At least 7 times beat benchmark in last 10 quarters

` 200 Cr to ` 5K Cr

At least 5 years

Lower than 2.7%

> 1.4 (1.2x of benchmark)

80% in Small and Mid Cap

3Yr Ret

35.7%Sundaram SMILE Fund

Groww

Groww 5 Star

31

LiquidLiquid

Debt USTDebt UST

Debt ShortDebt Short

Debt Dynamic

Hybrid Equity OrientedHybrid Equity OrientedHybrid Equity Oriented

Equity LargeEquity LargeEquity Large

Equity MidEquity MidEquity Mid

Equity SmallEquity SmallEquity SmallEquity MultiEquity MultiEquity MultiEquity ELSSEquity ELSSEquity ELSS

Equity ConsumptionEquity Auto

Equity ConsumptionEquity Commodities

Equity BankingEquity Infra

Equity Pharma

FUNDS CATEGORY

Tata Liquid FundKotak Floater Short Term

Franklin India Low Duration FundICICI Pru Flexible Income PlanFranklin India STIPHDFC Short Term Opportunities FundICICI Pru Long Term Plan

ICICI Pru Balanced FundHDFC Balanced FundBirla Sun Life Balanced 95

SBI Bluechip FundMirae Asset India OpportunitiesQuantum Long Term Equity FundMirae Asset Emerging Bluechip L&T India Value FundPrincipal Emerging Bluechip FundReliance Small Cap FundSundaram SMILE FundKotak Emerging Equity Scheme Birla Sun Life Equity FundFranklin India High Growth Companies FundSBI Magnum Multicap FundReliance Tax Saver (ELSS) FundDSP Blackrock Tax Saver FundICICI Prudential Long Term Equity FundSundaram Rural India FundUTI Transportation and Logistics Birla Sun Life India GenNext FundDSP BlackRock Natural Resources & New EnergyICICI Prudential Banking & Financial Services FundFranklin Build India FundReliance Pharma Fund

Groww

That’s allThank you for reading

www.groww.in

Share this Ebook