BUY RIGHT, SIT TIGHT AND SAVE TAX

*Calculation based on the then prevailing tax slab applicable during the inception of the fund in the financial year 2014-15. Date as on 31-December-2017.

This chart depicts, the longer you stay invested in equities, the probability of negative returns diminishes and it becomes 0 after 6 years in Nifty 500.

Minimum to maximum returns for a respective time period (in %)

The above chart depicts the daily rolling returns on compounded annualized basis of Nifty 500 from 1 year to 15 year periods since January 1, 2002. It provides the maximum, minimum and average returns derived for all these time periods. Total number of time periods: 1 year: 3,731; 2 years: 3,477; 3 years: 3,223; 4 years: 2,972; 5 years: 2,722; 6 years: 2,473, 7 years: 2,226; 8 years: 1,983; 9 years: 1,731; 10 years: 1,484; 11 years: 1,233; 12 years: 983; 13 years: 740; 14 years: 492; 15 years: 245. Data as on December 26, 2017. The above chart is provided for illustration purpose only. Motilal Oswal AMC does not provide any guarantee/assurance any minimum or maximum returns. Past performance may or may not be sustained in future.

Source: Analysis by MOAMC Internal Research.

Tax Saving Instruments / Features PPF NSC Five-year bank fixed deposit EPF NPS* Sukanya Samriddhi ELSS
Returns (%) 8-9 8-9 7-8 8-9 Market-linked 8-9 Market-linked
Min investment/year () 500 100 1000 Up to 12% of basic salary by employee and employer 6000 1000 500
One-time investment No Yes Yes No No No Yes
Compounding Yearly Yearly Quarterly Yearly NA Yearly NA
Lock-in (years) 15 5 5 Emplyment-linked Until 60 years of age** See Note 1 below 3 Years
Holding of Investment after Lock-in In blocks of 5 years No In blocks of 5 years Employment-linked Until 7a0 years of age Account will keep earning interest if not closed Yes
Guaranteed returns Yes Yes Yes Yes No Yes No
Taxation on Maturity Amount Tax-free Taxable Interest is taxable Partially taxable Withdrawal/ annuity taxed Tax-free Tax-free

*Over and above the exemption of 1.5 lakh allowed under Section 80C, one can avail exemption of an additional 50,000 under Section 80CCD(1B) **If withdrawn before 60 years of age, 80% of the amount must be used to buy an annuity. After 60 years of age, 40% of the amount must be used to buy an annuity. Note 1: The account matures after 21 years of its opening or at the time of the girls marriage on attaining 18 years of age, whichever is earlier

Source: MOAMC Analysis

When you invest in certain schemes like ELSS, Public Provident Fund, certain Bank Fixed Deposits etc. you can claim up to 1,50,000 as a deduction from your gross total income in a financial year under Section 80C of Income Tax Act, 1961. The Table below will help further explain the how this works

Particulars Without Tax Saving Investments With Tax Saving Investments
Gross Total Income 17,50,000 17,50,000
Exemption u/s 80C of the Income Tax Act, 1961 Nil 1,50,000
Total Income 17,50,000 16,00,000
Tax on Total Income 2,92,500 3,37,500
Tax saved Nil 45,000

*(Calculation based on the current tax slab applicable in the current financial year 2017-18)

Illustration of Tax exemption for an individual less than 60 years in receipt of salary income for the assessment year 2015-16. Along with the tax deductions, an ELSS offers you the opportunity to grow your money by investing in the equity market. Long-term capital gains from these funds are tax free in your hands and the lock-in period is only 3 years Furthermore, you can also opt for a Dividend Payout option, thereby realizing some potential gain during the lock-in period, and also choose to invest through a Systematic Investment Plan and bring discipline to your tax planning.

Since inception Motilal Oswal Long Term Equity Fund has delivered over 17.77% annualised returns

1 Year 3 Years Since Inception
CAGR (%) Current Value of Investment of
10000
CAGR (%) Current Value of Investment of
10000
CAGR (%) Current Value of Investment of
10000
Motilal Oswal Long Term Equity Fund 6.02 10,602 18.35 16,577 17.77 18,054
Nifty 500
(Benchmark TRI*)
16.33 11,633 15.86 15,553 11.30 14,720
Nifty 50
(Additional Benchmark TRI*)
19.40 11,940 15.09 15,246 9.87 14,047
NAV (Rs.) Per Unit (18.05 as on 31-August-2018) 17.03 10.89 10.0000

Date of inception : 21-Jan-2015 Incase, the start/end date of the concerned period is non business date (NBD), the NAV of the previous date is considered for computation of returns. The NAV per unit shown in the table is as on the start date of the said period. Past performance may or may not be sustained in the future. Performance is for Regular Plan Growth Option. Different plans have different expense structure. Mr. Gautam Sinha Roy is the Fund Manager for equity component since inception; Mr. Siddharth Bothra is the Co-Fund Manager for equity component since 26- Dec- 2016 and Mr. Abhiroop Mukherjee is the Fund Manager for debt component since inception. The scheme has been in existence for less than 5 years.

To know the performance of the Schemes managed by same Fund Managers click here.

Data as on 31-August-2018

Low Churn

Reap the full growth potential of stocks

Concentrated Portfolio

We do not buy more than 20-25 stocks reducing the risk of diversification

QGLP

We buy Quality companies with Growth potential and Longevity advantage at reasonable Price

Top 10 holdings % to Net Assets
Housing Development Finance Corporation Limited 9.20%
HDFC Bank Limited 9.12%
IndusInd Bank Limited 7.33%
Maruti Suzuki India Limited 5.67%
Eicher Motors Limited 5.14%
Infosys Limited 5.12%
Tata Elxsi Limited 4.87%
Quess Corp Limited 4.29%
Petronet LNG Limited 4.27%
ICICI Lombard General Insurance Company Limited 4.12%
allocation

Industry classification as recommended by AMFI

*Data as on Jun 30, 2018;

Performance of Motilal Oswal Multicap 35 Fund Vs. Nifty 500 Index

1 Year 3 Years Since Inception
CAGR (%) Current Value of Investment of 10000 CAGR (%) Current Value of Investment of 10000 CAGR (%) Current Value of Investment of 10000
Motilal Oswal Multicap 35 Fund 3.76 10,376 16.07 15,636 25.81 27,115
Nifty 500
(Benchmark TRI*)
16.33 11,633 15.86 15,553 17.03 19,806
Nifty 50
(Additional Benchmark TRI*)
19.40 11,940 15.09 15,246 14.94 18,315
NAV (Rs.) Per Unit (27.12 as on 31-August-2018) 26.13 17.34 10.0000

Date of inception : 28-Apr-2014 Incase, the start/end date of the concerned period is non business date (NBD), the NAV of the previous date is considered for computation of returns. The NAV per unit shown in the table is as on the start date of the said period. Past performance may or may not be sustained in the future. Performance is for Regular Plan Growth option. Different plans have different expense structure. Mr. Gautam Sinha Roy is the Fund Manager for equity component since 5-May-2014; Mr. Siddharth Bothra is the Co-Fund Manager for equity component since 23-Nov-2016, Mr. Abhiroop Mukherjee is the Fund Manager for debt component since 28-Apr-2014 and Mr. Swapnil Mayekar for Foreign Securities since 10-Aug-2015. The scheme has been in existence for less than 5 years.

To know the performance of the Schemes managed by same Fund Managers click here.

Data as on 31-August-2018

Performance of Motilal Oswal Dynamic Fund Vs. CRISIL Balanced Fund-Aggressive Index


1 Year      Since Inception
CAGR (%) Current Value of Investment of 10000 CAGR (%) Current Value of Investment of 10000
Motilal Oswal Dynamic Fund 4.23 10,423 11.10 12,247
CRISIL Hybrid 35+65 – Aggressive index 11.77 11,177 13.27 12,713
Nifty 50 (Additional Benchmark) 19.40 11,940 18.05 13,767
NAV (Rs.) Per Unit (12.25 : as on 31-August-2018) 11.75 10.0000

Date of inception: 27-Sep-2016. Incase, the start/end date of the concerned period is non business date (NBD), the NAV of the previous date is considered for computation of returns. The NAV per unit shown in the table is as on the start date of the said period. Past performance may or may not be sustained in the future. Performance is for Regular Plan Growth Option. Different plans have different expense structure. Mr. Gautam Sinha Roy is the Fund Manager for equity component since 23-Nov-2016; Mr. Siddharth Bothra is the Co-Fund Manager for equity component since 23-Nov-2016 and Mr. Abhiroop Mukherjee is the Fund Manager for debt component since inception. The scheme has been in existence for less than 3 year

To know the performance of the Schemes managed by same Fund Managers click here.

Data as on 31-August-2018

Name of the Scheme This product is suitable for investors who are seeking*
Motilal Oswal Long Term Equity Fund (MOFLTE): An Open ended equity linked saving scheme with a 3 year lock-in ● Long-term capital growth
● Investment predominantly in equity and equity related instruments
Motilal Oswal Multicap 35 Fund (MOF35): An Open Ended Diversified Equity Scheme ● Long-term capital growth
● Investment in a maximum of 35 equity and equity related instruments across sectors and market- capitalization levels
Motilal Oswal Dynamic Fund (MOFDYNAMIC): An Open ended equity scheme ● Long-term capital growth
● investment in equity, derivatives and debt instruments

*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.