NJ Mars

MARS
MUTUAL FUND AUTOMATED PORTFOLIO REBALANCING SYSTEM

ASSET ALLOCATION
Investing money across equities, bonds and cash
Key to success for investor wanting to create wealth in long term
Different asset classes respond markets differently: equities are volatile in nature,
bonds tend to be more stable providing regular income
Investing in more than one asset class helps to smooth out the volatility
The right asset allocation for any investor is based:
Goals – long term and short term
Time horizon for investment Risk Rewards
How much risk the investor can tolerate
A well-balanced portfolio that uses asset allocation and diversification techniques

can help offset the impact of investments that are not performing well and take
advantage of the benefits of assets that are growing and performing well.
ASSET ALLOCATION
Portfolio Rebalancing:
Portfolio values go up and down in line with market movements. It is important to review your
investments against your target asset allocation at least annually.
Let us look at the example below. A client creates a portfolio with an asset allocation of 40% in Equities
and 60% in debt. Over the next 1 year, due to favourable market movements, his equity allocation
increases to 65% while fixed income falls to 35%. At this stage, it is imperative for the client to rebalance
his portfolio to his original asset allocation of 40% Equities and 60% Debt.
1 YEAR GROWTH REBALANCE
EQUITIES 40% EQUITIES 65% EQUITIES 40%

FIXED INCOME 60% FIXED INCOME 35% FIXED INCOME 60%
This will happen by redeeming 25% from Equity and reinvesting the proceeds into Debt.
In boom times, Portfolio Rebalancing helps in booking profits while in bad times, it helps to enter the
Equity markets at lower levels.
INVESTORS PERCEPTIONS AND ACTIONS
18,000
16,543
16,000
Investors invested bulk of their 14,000

12,000
money during the peak period 10,000
but invested marginally when 8,000
market fell which was a great 6,000

4,000
time to create wealth. 2,000
20
0
JUL 07 TO DEC 07 OCT 08 to MAR 09
Period Sensex Range Sensex PE Bands Net Sales (Rs. Crs.)

July 2007 – Dec 2007 13,989 – 20,375 18.94 – 27.75 16543
Dec 2008 – Mar 2009 10,335 – 8,160 14.06 – 11.19 20
Source: BSE; AMFI
PERFORMANCE OF MF EQUITY SCHEMES
Over the long term, Diversified Equity Funds have handsomely
outperformed the popular benchmarks
1 YEAR 3 YEAR 5 YEAR 7 YEAR 10 YEAR 12 YEAR

Average Diversified Schemes 2.67% 0.74% 19.85% 7.00% 16.58% 21.42%
BSE 200 3.11% -0.47% 18.89% 5.75% 14.00% 17.82%
BSE Sensex 7.51% 1.56% 18.67% 5.98% 14.82% 16.65%
NSE 500 5.04% 1.19% 18.16% 6.41% 13.97% 15.75%
Source: Internal, Performance is as on Nov. 30, 2013; Past Performance may or may not be sustained in future
SCHEME SELECTION
Though Diversified Equity MFs, in general have delivered handsome returns, the same is not true for all
funds . The difference between Top 25% and Bottom 25% is huge.
3 Years Rolling Returns of Diversified Equity Schemes
2010-2012 2009-2011 2008-2010 2007-2009 2006-2008
Average of Top 25% Schemes 13.94 26.03 6.23 16.76 6.30
Average of Bottom 25% Schemes -4.52 9.29 -8.85 2.17 -9.41
Difference 18.46 16.74 15.08 14.59 15.71
Universe 229 224 199 165 133
5 Years Rolling Returns of Diversified Equity Schemes

2008-2012 2007-2011 2006-2010 2005-2009 2004-2008
Average of Top 25% Schemes 6.18 8.74 21.42 27.43 19.60
Average of Bottom 25% Schemes -8.90 -2.18 10.71 15.25 6.35
Difference 15.08 10.92 10.71 12.18 13.25
Universe 184 164 133 92 70
Source: Internal
SCHEME SELECTION IS IMPORTANT
There is considerable difference between Top quartile performers and Bottom
quartile performers
Indian Market is still a developing market and hence there are sufficient
opportunities of spotting multi-bagger stocks
We believe that better scheme selection is one of the key factors for better
performance of the portfolio
PRESENTING
MARS
MARS
MARS
is a technology tool which helps in
Scheme Selection
Asset Allocation
Periodic Rebalancing of Portfolio
MARS
SALIENT FEATURES OF MARS

It gives clients access to a range of well diversified portfolios to choose from.
There are 2 broad sets of asset allocation portfolios:
A) Dynamic Asset Allocation: the asset allocation between equity and debt
would vary depending on the risk in the equity markets; higher the risk, lower
will be the allocation into equities and vice versa.
B) Fixed Asset Allocation: the asset allocation between equity and debt will be
kept fixed.
The underlying MF schemes will be selected by the NJ Research Team.
The asset allocation rebalancing would be done yearly for Fixed Asset Allocation
and quarterly for Dynamic Asset Allocation.
The MARS portfolios are only available to clients holding Trading and Demat
Accounts with NJ.
MARS
BENEFITS OF MARS
Client can select a model portfolio depending on his requirements and investment
needs.
Helps the client to invest in well researched mutual fund schemes in his portfolio.
Simple execution tools for portfolio rebalancing.
Enhanced returns resulting from disciplined asset allocation.
MARS
HOW DOES MARS WORK

Portfolios designed by the NJ Research team will be made available on the
MARS platform.
Client has an option to select any of the available portfolios with the help of his
NJ partner.
The client can buy into MARS by transferring his existing MF portfolio.
The client can also buy into MARS through cheque / net banking / debit card /
auto debit mandate
The client will be required to authorize all the purchase transactions either
online through a single click or signing the TIS provided by NJ Partner.
Rebalancing of the portfolio is triggered as per schedule of various portfolios.
The client needs to authorise the same to realign the portfolio with his target
asset allocation.
MARS
MARS OFFERS 3 TYPES OF PORTFOLIOS

Dynamic Asset Allocation - CONSERVATIVE PORTFOLIO
Dynamic Asset Allocation - MODERATE PORTFOLIO
Dynamic Asset Allocation - AGGRESSIVE PORTFOLIO
MARS
DAA - CONSERVATIVE PORTFOLIO

Suitable for investor looking for capital appreciation with minimal risk and low
volatility
Ideal Time Horizon: 1 - 3 Years
Equity: 0% - 30% Debt: 70% - 100% Risk Profile: CONSERVATIVE
Historical Risk / Return (Jan 1997 – Nov 2013)

1 Year 3 Year 5 Year 10 Year
Rolling Rolling Rolling Rolling
NO. OF OBSERVATIONS 192 168 144 84
AVERAGE RETURN 11.73% 11.85% 11.84% 12.38%
NO. OF OBS. WITH NEGATIVE RETURNS 19 0 0 0
MAXIMUM RETURN 35.51% 22.48% 18.54% 14.10%
MINIMUM RETURN -11.11% 2.73% 7.46% 11.21%
Source: Equity Returns are derived from CNX 500. Debt Returns are based on 1 year FD rates available in Handbook of Statistics on Indian Economy on RBI website.
MARS
DAA - MODERATE PORTFOLIO

Suitable for investor with moderate risk appetite and comfortable with moderate
volatility in the portfolio
Equity: 0% - 60% Debt: 40% - 100% Risk Profile: MODERATE

AVERAGE RETURN 15.98% 15.77% 15.84% 16.97%
MAXIMUM RETURN 68.46% 39.62% 30.70% 20.56%
MINIMUM RETURN -28.50% -1.18% 6.09% 14.07%
MARS
DAA - AGGRESSIVE PORTFOLIO

Suitable for growth oriented investor comfortable with medium to high volatility
and looking for to wealth creation through Long term capital appreciation
Equity: 0% - 100% Debt: 0% - 100% Risk Profile: AGGRESSIVE

AVERAGE RETURN 21.62% 19.92% 19.92% 21.69%
MAXIMUM RETURN 115.07% 62.46% 46.55% 28.19%
MINIMUM RETURN -49.00% -6.46% 2.93% 16.52%
MARS
FIXED ASSET ALLOCATION PORTFOLIOS

MARS also offers Fixed Asset Allocation Portfolios as under:
P o rtfo lio N am e A s s e t M ix
F A A – E1 0 10% Eq u it y a n d 9 0 % D eb t
F A A – E1 0 0 1 0 0 % Eq u it y
MARS
SCHEME SELECTION
Equity Schemes Debt Schemes
Scheme Top Decile Schemes (Top 10%) as per the Top Decile Schemes (Top 10%) as per the
Universe Quantitative analysis of NJ Research Team Quantitative analysis of NJ Research Team
Selection Qualitative Analysis will be used for scheme Qualitative Analysis will be used for scheme
criteria rejection and not scheme selection rejection and not scheme selection
Open Ended, Diversified Equity Funds
Fund Type only. Will not include sector, thematic and Short Term Funds, Liquid/Liquid Plus Funds
International Funds and Arbitrage Funds
No market cap bias while selecting

Market Bias any scheme
N.A.
MARS
TWO SERIES OF MARS PORTFOLIO WILL BE LAUNCHED

SERIES A SERIES B
(2014) (2015)
One series will be open for subscription every alternate calendar year
Once the new series is launched, subscription in old series will discontinue & all fresh
investments will be automatically routed to new series
New Series will be launched across all portfolios
Scheme rebalancing for all portfolios will happen when the series reopens for fresh
subscription
Schemes in Series A and Series B may not be the same and will be dependant on the
performance of the scheme during the said period
Once schemes are selected for any series in the Model portfolio, they will not be changed till
the next scheme rebalancing.
This has been done to deliver better tax efficient returns to the investor
E.g.: Series A is launched currently in 2014. Subscriptions in this series will discontinue from
31 Dec 2014 and Series B will be open for subscription from 1 Jan 2015. Subscription in
Series B will discontinue from 31 Dec 2015 and will restart in Series A from 1 Jan 2016.
MARS
TWO SERIES OF MARS PORTFOLIO WILL BE LAUNCHED

PORFOLIO LAUNCH DATE PORFOLIO CHANGE DATE
SERIES A JAN 1ST, JAN 1ST,

2014 2016
PORFOLIO LAUNCH DATE PORFOLIO CHANGE DATE
JAN 1ST, JAN 1ST,

SERIES B 2015 2017
Each TADA client shall have only 1 MARS portfolio

MARS
INVESTMENT PROCESS IN MARS FOR THE CLIENT

The Client is required to have a TADA account to invest through MARS
Existing TADA clients don’t need to open a new TADA account. Partner can activate
MARS for his clients through his Partner desk.
On activation of MARS account, Partner selects the MARS portfolio for the client
Client can invest in MARS through
Transferring his existing MF portfolio, fully or partially
Through Cheque, Net Banking, Debit Card, Auto Debit Mandate
MARS
SCHEME TRANSFER IN MARS

Post the Portfolio selection by Partner, Client can transfer schemes to MARS
Client has option to transfer all or any of the schemes to MARS
Client has to give the transfer request from his Trading Account Login or he can sign a TIS of the
same
ELSS Schemes (units under lock in), FMPs and closed ended schemes can not be transferred
Pledged Units cannot be transferred to MARS
Schemes which are part of clients portfolio as well as MARS portfolio will automatically get
transferred to MARS
E.g. Client has Reliance Equity Opportunities Fund, Birla Top 100 Fund and DSP BR TIGER Fund
in his portfolio. MARS portfolio also has Birla Top 100 as one of its schemes. All units of Birla Top
100 will get automatically transferred to MARS, client however will have the option to transfer
both of the remaining schemes or any of them or none of them
Client cannot do a partial scheme transfer to MARS currently. It will be available shortly.
E.g. Client has 1000 units of Reliance Equity Opportunities Fund. He cannot transfer 500 units to MARS and
leave the balance in his TADA a/c. He will have to either transfer all units or NIL
Please Note: Currently, scheme transfer is only applicable for 1st time purchase. For topups, scheme transfers
option will be available shortly.
MARS
MINIMUM INVESTMENT
Minimum Investment Amount in MARS is

R1,00,000/-
Minimum Top Up/Additional Purchase Amount in MARS is

R10,000/-
MARS
ASSET ALLOCATION REBALANCING

All MARS Portfolios will have 2 types of rebalancing:
1. Asset Allocation Rebalancing 2. Portfolio Change

DYNAMIC ASSET ALLOCATION PORTFOLIOS DYNAMIC ASSET ALLOCATION
End of every quarter in the months of February, PORTFOLIOS & FIXED ASSET ALLOCATION
May, August and November. Client will have 15 PORTFOLIOS
calendar days to authorise the transactions.
Will be done at end of every 2 years for
FIXED ASSET ALLOCATION PORTFOLIOS respective series in the month of January
End of every calendar year in the month of to reduce costs on account of capital gains
January. Client will have 15 calendar days to tax and exit loads. However, under certain
authorise the transactions. circumstances, portfolios may be
changed earlier.
E.g. For MARS Portfolio Series A, the
scheme rebalancing will happen in Jan
2016. For Series B starting in 2015, scheme
rebalancing will happen in Jan 2017 and
so on.
MARS
ROLE OF CLIENT IN REBALANCING

Any Rebalancing will be open in the system for 15 calendar days
Client has to login to his TADA account and click on “Authorise Transactions” for
successful rebalancing
Client and Partner will be intimated through regular emails and SMS during the
rebalancing period
Client can also give the rebalancing request by signing the TIS
If the client forgets/skips to do the same, his portfolio will come for rebalancing in the
next cycle only.
PARTNER CANNOT AUTHORISE TRANSACTIONS ON BEHALF OF CLIENT
MARS
EX. OF ASSET ALLOCATION REBALANCING (No change of portfolio)

A client invests R10 Lacs in Portfolio FAA - E 50 (50E:50D Asset
Allocation) in January 2014
On January 1st, 2015, the valuation of the portfolio is R11.50 Lacs
Equity: R6.0 Lac Debt: R5.50 Lac
System will rebalance the Portfolio to 50E:50D Asset Allocation
Equity: R5.75 Lac Debt: R5.75 Lac
So, Fresh Transactions will be generated by MARS system as follows:
Sell : Equity Schemes = R25,000
Buy : Debt Schemes = R25,000
System will generate the orders as per the changes in Model Portfolio
Client is required to authorise the change within the prescribed period as per the
process described in previous slide
MARS
EX. OF ASSET ALLOCATION REBALANCING (with change of portfolio)

A client invested R10,00,000 in DAA – Aggressive Portfolio
(Current AA: 90 Equity : 10 Debt) on March 1st, 2014
Series A
Scheme
Allocation Amount
BNP Paribas Midcap Fund 18.0% 1,80,000
Axis Equity Fund 18.0% 1,80,000
Reliance Equity Opportunities Fund 18.0% 1,80,000
Birla Top 100 Fund 18.0% 1,80,000
HDFC Focussed Large Cap Fund 18.0% 1,80,000
SBI Magnum Insta Cash Fund 10.0% 1,00,000
Total 100.0% 10,00,000
Money was invested as per the MARS portfolio for the scheme
MARS

Portfolio Valuation as on December 31st, 2015
DAA - AGGRESSIVE Portfolio (Current Allocation 90:10)
Series A Value on 31 Dec 2015

Scheme
Allocation Amount Valuation Allocation
BNP Paribas Midcap Fund 18.0% 1,80,000 2,40,000 18.5%
Axis Equity Fund 18.0% 1,80,000 2,55,000 19.6%
Reliance Equity Opportunities Fund 18.0% 1,80,000 2,34,000 18.0%
Birla Top 100 Fund 18.0% 1,80,000 2,28,000 17.5%
HDFC Focussed Large Cap Fund 18.0% 1,80,000 2,27,000 17.5%
SBI Magnum Insta Cash Fund 10.0% 1,00,000 1,16,000 8.9%
Total 100.0% 10,00,000 13,00,000 100.0%
The Portfolio grew to R13 Lac and the allocation of schemes changed due to
scheme performance
MARS

Changes in the Portfolio
As per NJ Research Team, the new Asset Allocation for DAA – Aggressive Portfolio is
80% Equity & 20% Debt.
In Schemes Out Schemes
DSP BR TIGER Fund Birla Top 100 Fund
Sundaram Select Midcap Fund HDFC Focussed Large Cap Fund
MARS

New Portfolio of DAA – Aggressive Portfolio
Series A
Scheme
Allocation Amount
BNP Paribas Midcap Fund 16.00% R 2,08,000
Axis Equity Fund 16.00% R 2,08,000
Reliance Equity Opportunities Fund 16.00% R 2,08,000
DSP BR TIGER Fund 16.00% R 2,08,000
Sundaram Select Midcap Fund 16.00% R 2,08,000
SBI Magnum Insta Cash Fund 20.00% R 2,60,000
Total 100.0% R 13,00,000
2 New schemes replace 2 old schemes in the portfolio and the Asset Allocation has
changed from 90% Equity: 10% Debt to 80% Equity: 20% Debt based on parameters
of NJ Research team in Series A
The amount wise allocation of schemes will also change as per the new portfolio
MARS

Changes in the Portfolio
Scheme Value on 31 Dec 2015 Series A (New) Difference Transaction
BNP Paribas Midcap Fund 2,40,000 2,08,000 -32,000 Sell
Axis Equity Fund 2,55,000 2,08,000 -47,000 Sell
Reliance Equity Opportunities Fund 2,34,000 2,08,000 -26,000 Sell
Birla Top 100 Fund 2,28,000 0 -2,28,000 Sell
HDFC Focussed Large Cap Fund 2,27,000 0 -2,27,000 Sell
SBI Magnum Insta Cash Fund 1,16,000 2,60,000 1,44,000 Buy
DSP BR TIGER Fund 0 2,08,000 2,08,000 Buy
Sundaram Select Midcap Fund 0 2,08,000 2,08,000 Buy
Difference Amount will be calculated by the system based on the current valuation
and allocation in New Series
MARS

Final Transactions for client to Authorise
Scheme Amount Total
Buy
DSP BR TIGER Fund 2,08,000
Sundaram Select Midcap Fund 2,08,000
SBI Magnum Insta Cash Fund 1,44,000 5,60,000
Sell
BNP Paribas Midcap Fund -32,000
Axis Equity Fund -47,000
Reliance Equity Opportunities Fund -26,000
Birla Top 100 Fund -2,28,000
HDFC Focussed Large Cap Fund -2,27,000 -5,60,000
All the calculations will happen in the background

Client will only be required to authorise the above mentioned transactions online or
through TIS for Scheme rebalancing
MARS
IMPORTANT POINTS
Each TADA client shall have only 1 MARS portfolio
NRIs cannot invest in MARS
Client can buy or sell his schemes in MARS at any point of time
There is no lock in in MARS as all schemes are open ended
Pledged MF units cannot be transferred to MARS
During the rebalancing period, if the client gives a redemption request, the
rebalancing request will be cancelled for that cycle automatically. Alternately, the
client can give the redemption request after the rebalancing is authorised and
executed.
MARS
CHARGES IN MARS
As an introductory offer, MARS is offered to clients for limited period
FREE
Transaction Charges in MARS
Clients however have to pay normal transaction charges on the exchange platform as
per the Fee decided between him and partner while opening the TADA account
MARS
NJ MARS vs. NJPMS

Portfolio:
Currently, the Portfolios are different in MARS and NJ PMS but over the next 6 months the
portfolio of NJPMS – DAAP will align with DAA – Aggressive Portfolio. Portfolios of MARS and
NJ PMS though may have minor deviations but the scheme selection methodology will be the
same.
Rebalancing:
The biggest benefit with NJPMS is that the asset allocation rebalancing and portfolio change is
automated while in MARS it is the responsibility of the client to ensure that the portfolio
rebalancing is happening in a disciplined manner.
Expenses:
The management fees for NJPMS has been reduced to 0.5% p.a. Though there is no
management fees in MARS, but the client will have to bear the transaction charges every time
he transacts or does portfolio rebalancing. There are no transaction charges in NJPMS.
Audited Reports:
NJPMS provides statutory audited reports to the clients while the same is not available
in MARS.
MARS
MARS TAXATION
Rebalancing Type STCG LTCG
Minuscule Tax on
Minuscule tax on Debt
Equity and Debt
Asset Allocation Rebalancing investments wherever
investments wherever
applicable
applicable
Not Applicable as scheme rebalancing happens

every alternate year. So technically all Equity
Portfolio Change investments will be above 365 days and hence
exempt from tax. Minuscule tax on Debt
investments wherever applicable
MARS
EXAMPLE OF STCG
An investment of Rs. 1 Lac in a DAA - Moderate Portfolio when the Asset Allocation in
the portfolio was at 45-55.
After 6 months, the portfolio allocation was revised to 40-60, lets see what will be the
tax impact
Particulars Equity Debt
Asset Allocation at the time of Subscription 45.00% 55.00%
Investment at Subscription Rs.45,000 Rs.55,000
Valuation after 6 months Rs.50,000 Rs.57,500
Current Asset Allocation 46.51% 53.49%
Revised Asset Allocation as per NJ research 40.00% 60.00%

Revision in investment as per new Asset Allocation Rs.43,000.00 Rs.64,500.00
Transactions to be done Rs.7,000 -Rs.7,000

Profit on Sale of Equity Rs.700.00
(7000 * 5000/50000)
STCG on Equity Sale (@15%) Rs.105.00
STCG as a % of investment 0.11%
The Cost borne by an investor due to STCG on the account of Asset Allocation change
will be minimal.
MARS
HOW TO GET STARTED

You can activate your clients MARS account in only 3 Steps
Step 1
Activate MARS portfolio for the client from your Partner Desk on the existing TADA account
Step 2
Select MARS Portfolio for the client
Step 3 (A)
Request the client to activate his MARS account by transferring his existing MF investments to
MARS or by making fresh investments through Net Banking
OR
Step 3 (B)
Print the MARS TIS from your Partner Desk, get it signed from the investor and deposit at NJ
PSC along with the investment cheque
No Documentation is required to be signed by the client

MARS
MARS: SWITCHES FROM ONE PORTFOLIO TO ANOTHER

Client can Switch from one MARS Portfolio to another once in every calendar year
Client can switch within the same series only
Switches will take place simultaneously for both series
MARS
MARS: BOON TO BOTH INVESTORS AND PARTNERS

Investor's money is invested in better performing schemes at all times
Multiple Asset allocation options available as per risk appetite of investor
Simple rebalancing process, just a click of button
Enhanced returns to the investor
Increase in Partner earnings due to better returns to investor
Higher Client Satisfaction resulting in higher loyalty
MARS
MARS FAQs
Can a Client invest in 2 MARS portfolios?
Ans.: No, a Client can have only 1 MARS portfolio per TADA account
Can a Partner create portfolios in MARS?
Ans.: No, a Partner cannot create portfolios in MARS
What communication will be sent to partners / clients informing them about rebalancing
transactions?
Ans.: Yes, communication will be sent as under:
Pre-authorisation:
Clients will be sent emails and sms and partners will be sent emails informing them about the
rebalancing transactions. This communication will be sent on the 1st day of the rebalancing cycle.
Post-authorisation:
Clients will sent an email and SMS confirming the authorisations and an email will also be sent to
the Partners.
Will there be any additional brokerage to partner on selling MARS?
Ans: Partner will get brokerage on underlying schemes and transaction charges on exchange
platform as per fee decided with the client. There will be no additional brokerage to the partner for
MARS
THANKS
MARS
Disclaimer:
This Handbook document is made by NJ India Invest Private Limited (“NJ India”) for private circulation and information purposes only. The information/data
mentioned in this document is taken from various sources for which NJ India does not assume any responsibility or liability and neither does guarantee its accuracy
or adequacy. Mutual Fund investments are subject to market risks. Investors are advised to read the offer documents/scheme related documents and other risk
factors carefully before investing in any scheme. The past performance of a scheme is not indicative of its future performance. Investors are advised to take advice
of experts before making any investment decisions. This document shall not be construed as a financial/investment advice and/or as solicitation/advice to buy or
sell any financial product.

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MARS

MUTUAL FUND AUTOMATED PORTFOLIO REBALANCING SYSTEM

A well-balanced portfolio that uses asset allocation and diversification techniques

1 YEAR GROWTH REBALANCE

EQUITIES 40% EQUITIES 65% EQUITIES 40%

Investors invested bulk of their 14,000

market fell which was a great 6,000

Period Sensex Range Sensex PE Bands Net Sales (Rs. Crs.)

1 YEAR 3 YEAR 5 YEAR 7 YEAR 10 YEAR 12 YEAR

5 Years Rolling Returns of Diversiﬁed Equity Schemes

MUTUAL FUND AUTOMATED PORTFOLIO REBALANCING SYSTEM

is a technology tool which helps in

SALIENT FEATURES OF MARS

HOW DOES MARS WORK

MARS OFFERS 3 TYPES OF PORTFOLIOS

DAA - CONSERVATIVE PORTFOLIO

Equity: 0% - 30% Debt: 70% - 100% Risk Profile: CONSERVATIVE

Historical Risk / Return (Jan 1997 – Nov 2013)

DAA - MODERATE PORTFOLIO

Equity: 0% - 60% Debt: 40% - 100% Risk Profile: MODERATE

DAA - AGGRESSIVE PORTFOLIO

Equity: 0% - 100% Debt: 0% - 100% Risk Profile: AGGRESSIVE

Historical Risk / Return (Jan 1997 – Nov 2013)

FIXED ASSET ALLOCATION PORTFOLIOS

No market cap bias while selecting

TWO SERIES OF MARS PORTFOLIO WILL BE LAUNCHED

TWO SERIES OF MARS PORTFOLIO WILL BE LAUNCHED

SERIES A JAN 1ST, JAN 1ST,

PORFOLIO LAUNCH DATE PORFOLIO CHANGE DATE

JAN 1ST, JAN 1ST,

Each TADA client shall have only 1 MARS portfolio

INVESTMENT PROCESS IN MARS FOR THE CLIENT

SCHEME TRANSFER IN MARS

Minimum Investment Amount in MARS is

Minimum Top Up/Additional Purchase Amount in MARS is

ASSET ALLOCATION REBALANCING

1. Asset Allocation Rebalancing 2. Portfolio Change

ROLE OF CLIENT IN REBALANCING

EX. OF ASSET ALLOCATION REBALANCING (No change of portfolio)

EX. OF ASSET ALLOCATION REBALANCING (with change of portfolio)

Total 100.0% 10,00,000

EX. OF ASSET ALLOCATION REBALANCING (with change of portfolio)

Series A Value on 31 Dec 2015

Total 100.0% 10,00,000 13,00,000 100.0%

EX. OF ASSET ALLOCATION REBALANCING (with change of portfolio)

EX. OF ASSET ALLOCATION REBALANCING (with change of portfolio)

EX. OF ASSET ALLOCATION REBALANCING (with change of portfolio)

EX. OF ASSET ALLOCATION REBALANCING (with change of portfolio)

All the calculations will happen in the background

NJ MARS vs. NJPMS

Not Applicable as scheme rebalancing happens

Revised Asset Allocation as per NJ research 40.00% 60.00%

Transactions to be done Rs.7,000 -Rs.7,000

HOW TO GET STARTED

No Documentation is required to be signed by the client

MARS: SWITCHES FROM ONE PORTFOLIO TO ANOTHER

MARS: BOON TO BOTH INVESTORS AND PARTNERS

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