Investor B

Portfolio Analysis

03-Jul-24
PORTFOLIO PARAMETERS

INVESTMENT CORPUS COMPOSITE RISK SCORE INVESTMENT HORIZON TAXATION STATUS

₹ 2,00,00,000 Aggressive 20 Years Resident

ASSET ALLOCATION

66.0 % 34.0 %

Equity Debt

LIQUIDITY (OF THE PORTFOLIO)

100.0 %

Liquid*

In case of Hybrid/Multi-Asset funds, underlying of the fund is used for the asset class / sub-asset class % calculation. For other schemes, it is based on their asset class classification.
Arbitrage funds are classified as debt. *Liquid means investments that can be liquidated under three days. Semi-liquid schemes/securities can be liquidated but can take few weeks to 2
months to liquidate. Illiquid stocks can't be liquidated easily
INVESTMENT STRATEGY
As per your requirements in the previous slide, we propose following Investment Strategy -

OVERALL ASSET ALLOCATION EQUITY ALLOCATION DEBT ALLOCATION CONSTRAINTS

• At the portfolio level, we • Within Equities, the • Within Debt, we prefer • To reduce concentration
are looking at an allocation allocation to Large Cap, Mid allocation towards high- risk in the portfolio,
of ~ 66% and 34% towards Cap, and Small Cap is ~ quality debt. In the maximum allocation to a
Equity and Debt 72%, 16%, and 11% portfolio, allocation to AAA scheme/stock is capped at
respectively respectively and equivalent 15 % of the overall portfolio
instruments/schemes is at and allocation to one AMC
• The allocation is different • To have an appropriate ~ 97 % of the Debt is capped at 30 % of the
than your overall risk diversification within the allocation overall portfolio
profile as this proposal is a Equity asset class, we have
part of your overall portfolio allocation across 3 • Further, in line with our • Within Equities, maximum
schemes/stocks (3 Mutual views on interest rates and allocation to a
• With respect to the Fund,) and 3 to keep volatility low, scheme/stock is capped at
liquidity, the portfolio has AMCs/Companies Duration at portfolio level is 33 % of Equity portfolio
100% towards Liquid kept at 2.0 years
investments • The proposed equity • Within Debt,
portfolio has minor • In order to manage risks, scheme/security specific
• Overall portfolio has 9 allocation of around 0 to we have diversified the exposure is capped at 57 %
schemes/stocks. global equities. debt allocation across 2 of overall Debt portfolio
schemes/securities (2
Mutual Fund,)

Note: In case of Hybrid/Multi-Asset funds, underlying of the fund is used for the asset class / sub-asset class % calculation. Further, Products, where necessary information is not available to
arrive at asset class/sub-asset class details, have been ignored for such calculations. 3
PORTFOLIO AT A GLANCE
Fund Name Category Amount (₹) Weight (%)

Equity 45,00,000 22.50

Tata Multicap Fund-Reg(G) MF - Multi Cap 15,00,000 7.50

Nippon India Multi Cap Fund(G) MF - Multi Cap 15,00,000 7.50

ICICI Pru Large & Mid Cap Fund(G) MF - Large & Mid Cap 15,00,000 7.50

Debt 35,00,000 17.50

Edelweiss Liquid Fund-Reg(G) MF - Liquid 20,00,000 10.00

ICICI Pru Liquid Fund-Inst(G) MF - Liquid 15,00,000 7.50

Multi Asset 1,20,00,000 60.00

Bajaj Finserv Balanced Advantage Fund-Reg(G) MF - Balanced Advantage 30,00,000 15.00

ICICI Pru Multi-Asset Fund(G) MF - Multi Asset 30,00,000 15.00

Allocation

HDFC Balanced Advantage Fund(G) MF - Balanced Advantage 30,00,000 15.00

Edelweiss Balanced Advantage Fund-Reg(G) MF - Dynamic Asset 30,00,000 15.00

Allocation

Total 2,00,00,000 100.0

4
EQUITY PORTFOLIO ANALYTICS
INSIGHTS MARKET CAP ALLOCATION

• The Portfolio’s Large Cap allocation is broadly in line with benchmark (Nifty 11.
72.0 % 16.0 %
500 Index) allocation (72.0% for the portfolio vs 73.0% for the benchmark) 0%

• Equity portfolio comprises of 3 pure equity schemes/stocks and 4 hybrid Large Cap Mid Cap Small Cap
schemes with highest allocation to ICICI Pru Large & Mid Cap Fund(G)
scheme/stocks (7.5%) and highest AMC/company exposure to ICICI Prudential CATEGORY ALLOCATION
Asset Management Company Limited (7.5%) 11.4%
17.9%

• Portfolio is diversified/invested across/in 7 Mutual Fund,

• 100.0% of Equity portfolio can be liquidated within 3 days and 0.0% of the 22.7%
portfolio is locked 15.2%

7 22.6% 18.9%
32.9%

Large & Mid Cap Multi Cap

Balanced Advantage Multi Asset Allocation
TOTAL 3Y RETURN 3Y BM RETURN*
Dynamic Asset Allocation
PRODUCTS

5
Source: ACE MF, Product Providers.
Note: Products, where necessary information is not available to arrive at details like asset allocation, market caps etc, have been ignored for such calculations. *Nifty 500 Index fund performance is considered as Benchmark.
EQUITY PORTFOLIO ANALYTICS
SECTOR ALLOCATION (%)

35.0% Portfolio Nifty 500*

30.8%
30.0% 28.5%

25.0%

20.0%

15.0% 12.1%
11.8% 10.8%
10.3% 9.4%
10.0% 9.0%8.5% 8.7%
7.8% 7.4%7.3% 6.6% 5.7%
5.4% 5.4%4.8%
5.0% 3.9%3.2%
1.1%1.3%
0.0%
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• The portfolio is overweight on Financials and Health Care sectors by 2.2% and 1.2% respectively as compared to the benchmark.

• The portfolio is underweight on Information Technology and Materials sectors by 3.1% and 1.6% respectively as compared to the benchmark.

6
Source: ACE MF, Product Providers.
Note: Products, where necessary information is not available to arrive at details like sectors etc, have been ignored for such calculations. *Nifty 500 Index fund performance is considered as Benchmark.
EQUITY PORTFOLIO ANALYTICS
TOP 10 STOCKS TOP 5 SECTORS

Name Weight (%) Name Weight (%)

HDFC Bank Ltd. 7.3 Financials 30.8

ICICI Bank Ltd. 5.2 Industrials 12.1

Reliance Industries Ltd. 4.1 Consumer Discretionary 10.3

State Bank Of India 3.3 Energy 9.0

NTPC Ltd. 3.1 Materials 7.8

Larsen & Toubro Ltd. 2.8 Total 70.0

Bharti Airtel Ltd. 2.8

Infosys Ltd. 2.4 GEOGRAPHICAL ALLOCATION

Axis Bank Ltd. 2.1

ITC Ltd. 2.1 100.0 %

Total 35.0
Domestic Overseas

• The Portfolio is fairly diversified with top holding at 7.3%, top 3 contributing to 16.5% and top 5 contributing to 22.9% of the Equity
portfolio

• Sector wise, top 5 sectors contribute to 70.0%. Top 5 sectors of Benchmark (Nifty 500 Index) contribute to 69.4%

7
Source: ACE MF, Product Providers.
Note: Products, where necessary information is not available to arrive at details like Top stocks and sectors etc, have been ignored for such calculations. Nifty 500 Index fund performance is considered as Benchmark for comparison purposes.
EQUITY PORTFOLIO
Scheme/Stock Name % of Total Amount (₹ AUM (₹ cr) Large Cap Mid Cap Small Cap Others
Cr)

Tata Multicap Fund-Reg(G) 7.5 0.1 2,913 40.5 29.1 30.4 -0.0

Nippon India Multi Cap Fund(G) 7.5 0.1 31,963 41.5 26.8 31.7 0.0

ICICI Pru Large & Mid Cap Fund(G) 7.5 0.1 13,420 52.8 40.2 7.0 0.0

Total 22.5 0.4

Source: ACE MF, Product Providers

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EQUITY PERFORMANCE
Scheme/Stock Name % of Expense 1M (%) 3M (%) 6M (%) 1Y (%) 3Y (%) 5Y (%)
Total (%)

ICICI Pru Large & Mid Cap Fund(G) 7.5 1.7 6.5 10.0 20.4 45.9 26.5 22.5

Nippon India Multi Cap Fund(G) 7.5 1.6 7.5 15.7 25.3 52.3 32.0 23.4

Tata Multicap Fund-Reg(G) 7.5 1.9 9.0 11.5 14.4 34.4 - -

Benchmarks

NSE 500 Index - - 7.5 10.2 16.8 38.0 18.9 18.4

Nifty Smallcap 250 - - 11.0 16.3 22.8 64.4 26.4 27.4

NIFTY 50 - - 7.1 7.4 11.3 25.7 15.3 15.1

Nifty Midcap 150 - - 8.3 14.3 21.9 56.0 26.9 26.8

Total 22.5

Source: ACE MF, Product Providers

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DEBT PORTFOLIO ANALYTICS
INSIGHTS CREDIT RATING
0.2%
0.7%
1.1%

• The portfolio is quality biased with AAA and equivalent allocation at 98.1% of 20.4%
the Debt Portfolio. Portfolio gross YTM stands at 7.2%

• Portfolio Duration is 2.0 years, which is in-line with the interest-rate views

• Debt portfolio has allocation to 2 pure debt schemes/securities and 4 hybrid 51.5%

schemes with highest allocation to Edelweiss Liquid Fund-Reg(G)

scheme/security (10.0%) and highest AMC exposure to Edelweiss Asset
Management Limited (10.0%) 26.3%

• Portfolio is diversified/invested across/in 6 Mutual Fund,.

AAA SOV Cash
AA Unrated Others
• 100.0% of Debt portfolio can be liquidated within 3 days and 0.0% of the
portfolio is locked
PRODUCT ALLOCATION

6 7.2% 1.4%
100.0 %

Mutual Bonds Others

TOTAL GROSS YTM AVG. EXPENSE Fund
PRODUCTS

Source: ACE MF, Product Providers.

Note: Products, where necessary information is not available to arrive at details like asset allocation, credit rating etc, have been ignored for such calculations. 10
DEBT PORTFOLIO ANALYTICS
TOP 10 INSTRUMENTS CATEGORY ALLOCATION

Name Weight (%) 9.5%

91 Days Treasury Bills 6.1

7.18% Government of India (14/08/2033) 3.9 14.7%

NABARD ** 2.1

Small Industries Development Bank Of India. ** 2.0

51.5%
ICICI BANK CD RED 12-06-2024#** 1.9

7.38% GOI MAT 200627 1.8

7.18% Government Securities 1.6

24.4%
91 DAYS TBILL RED 02-08-2024 1.5

PUNJAB NATIONAL BANK CD 06-08-24#** 1.5

Liquid Balanced Advantage
HDFC BANK CD RED 14-08-2024# 1.5 Multi Asset Allocation Dynamic Asset Allocation
Total 23.8

• The portfolio is fairly diversified with top exposure at 6.1%, top 3 at 12.1% and top 5 at 16.0%

• Exposure to A/AA and below rated instrument is 1.9% of the Debt Portfolio

Source: ACE MF, Product Providers.

Note: Products, where necessary information is not available to arrive at details like Top holdings, category allocation etc, have been ignored for such calculations. 11
DEBT PORTFOLIO
Scheme/Stock Name % of Total YTM (% Mod AUM (₹ cr) AAA & Eq AA & Eq A & Eq
p.a.) Duration
(Y)

ICICI Pru Liquid Fund-Inst(G) 7.5 7.2 0.12 46,317 99.8 0.0 0.0

Edelweiss Liquid Fund-Reg(G) 10.0 7.1 0.16 5,082 99.7 0.0 0.0

Total 17.5

Source: ACE MF, Product Providers.

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DEBT PERFORMANCE
Scheme/Stock Name % of Expense 1M (%) 3M (%) 6M (%) 1Y (%) 3Y (%) 5Y (%)
Total (%)

Edelweiss Liquid Fund-Reg(G) 10.0 0.2 7.1 7.2 7.4 7.2 5.6 5.1

ICICI Pru Liquid Fund-Inst(G) 7.5 0.6 - - - - - -

Benchmarks

Crisil Short Term Bond Fund Index - - 0.5 None None 4.0 5.9 6.9

I-BEX (I-Sec Sovereign Bond Index) - - 0.9 1.8 5.0 8.1 5.9 6.7

Total 17.5

Source: ACE MF, Product Providers.

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MULTI-ASSET PERFORMANCE
Scheme/Stock Name % of Expense 1M (%) 3M (%) 6M (%) 1Y (%) 3Y (%) 5Y (%)
Total (%)

Bajaj Finserv Balanced Advantage Fund-Reg(G) 15.0 2.1 3.6 4.7 10.0 - - -

ICICI Pru Multi-Asset Fund(G) 15.0 1.5 3.7 6.6 14.3 32.8 23.5 20.1

HDFC Balanced Advantage Fund(G) 15.0 1.4 3.2 8.5 15.4 40.6 24.2 19.0

Edelweiss Balanced Advantage Fund-Reg(G) 15.0 1.7 4.0 6.7 12.6 25.2 13.5 15.3

Total 60.0

Source: ACE MF, Product Providers.

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DATES OF DATA POINTS
Scheme/Stock Name Asset Allo. MCap Allo. Sector Ratings Performan Risk Ratios Debt Holdings
Allo. Allo. ce Quants

Tata Multicap Fund-Reg(G) 31-May-24 31-May-24 31-May-24 31-May-24 02-Jul-24 01-Jul-24 31-May-24 31-May-24

Nippon India Multi Cap Fund(G) 31-May-24 31-May-24 31-May-24 31-May-24 02-Jul-24 01-Jul-24 31-May-24 31-May-24

Bajaj Finserv Balanced Advantage Fund-Reg(G) 31-May-24 31-May-24 31-May-24 31-May-24 02-Jul-24 01-Jul-24 31-May-24 31-May-24

ICICI Pru Liquid Fund-Inst(G) 31-May-24 31-May-24 31-May-24 31-May-24 16-Jun-22 01-Jul-24 31-May-24 31-May-24

Edelweiss Liquid Fund-Reg(G) 31-May-24 31-May-24 31-May-24 31-May-24 02-Jul-24 01-Jul-24 31-May-24 31-May-24

ICICI Pru Multi-Asset Fund(G) 31-May-24 31-May-24 31-May-24 31-May-24 01-Jul-24 01-Jul-24 31-May-24 31-May-24

HDFC Balanced Advantage Fund(G) 31-May-24 31-May-24 31-May-24 31-May-24 02-Jul-24 01-Jul-24 31-May-24 31-May-24

Edelweiss Balanced Advantage Fund-Reg(G) 31-May-24 31-May-24 31-May-24 31-May-24 02-Jul-24 01-Jul-24 31-May-24 31-May-24

ICICI Pru Large & Mid Cap Fund(G) 31-May-24 31-May-24 31-May-24 31-May-24 02-Jul-24 01-Jul-24 31-May-24 31-May-24

Source: ACE MF, Product Providers.

15
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Buy – Absolute return of over +10%.

Accumulate – Absolute return between 0% to +10%.

Reduce – Absolute return between 0% to -10%.

Sell – Absolute return below -10%.

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