Inertia Guide to Financial Products

So Many Products in the markets where to go?

Designed to Confuse

Many objectives in a single products makes it impossible for clientTo measure and evaluate product against its objectives

Think about your current product How many objectives does it has ?

Insurance• Q1:Does your current product offer insurance• Q2:Does it offer best affordable insurance product.

Growth• Q1:Does your product grows your capital• Q2:Does it offer most competitive performance in industry ?

TaxQ1:Does it offer best tax saving option available ?Q2:

Savings• Q1:Does you product allows you to park your savings• Q2:Does it help you save more than any other product ?

Q1’s = YesQ2’s = Don’t know

Product = God Knows

If you are not able to evaluate performance of your product on different objectives then probably you are stuck with a product which is offering you sub-optimal performance on each objective

Having a product doing all is a great thing but often products are designedToo complex for clients to understand its performance.

Even after holding multiple policies most people us do not have sufficient life cover

Most of the complex products give suboptimal returns and have no suitability for the buyers

ULIP’s are one of the example of such product which offered Everything. It is estimated loss of investor wealth in this Product Is 1.5 trillion as per Wikipedia.

There are very simple and competitive products available for each of your requirement which can bring you back in control

Transparency•Check how easily you can evaluate product

performance against other products

Cost•How much is cost of product.•As financial product invest your money, how much

money in invested.

Performance

•Past performance

•How easy is to monitor and compare

Alignment of Interest.

How are clients interests ,agents interest and product companies interests aligned.

Choosing a product

Our View

Insurance Risk Cover. Should be 10 times Annual earnings. Should be a term plan

Liquidity For emergency needs and cash flow, use FD and Savings

Surplus Mostly in Equities

Equities as a tool for long term wealth creation

INERTIA Your Gateway to Financial Freedom

Equities as a tool for long term wealth creation

INERTIA Your Gateway to Financial Freedom

Earning and Debt• Predictable Earnings• Low Debt

Understandable• Don't take a genius to run

Professional management• Management is owner-oriented• Promoter fair to minority shareholders

Finding your Money Minting Machine

Finding your money minting Machine

Strong franchises• Freedom to price• Low Debt

ROI Focus• Management focused in “Return on

investment “ than chasing growth wildly.

Reasonable Valuation• Price is what you pay value is what you get

Inertia Strategy

Zero tolerance to permanent loss of capital

Accumulate wealth through power of compounding

Inertia Framework

Investment process

Help you allocate the right amount to equities – balanced allocation key to successful wealth creation through equities

PORTFOLIO DESIGN

Diversified portfolio of 30 companies

Highest allocation in one stock : 5%

Diversified portfolio of 30 companies

Performance and Expectation

Performance (%)1-month (Aug 14)

3-month (Jun 14-Aug 14)

6-month

(Mar 14-Aug 14)

12-month (Sep 13-Aug

14)

Since inception (31st Aug 2012)

Inertia Portfolio 4.4 13.7 28.5 53.4 59.7

Sensex 2.9 10.0 26.1 43.1 51.9

Nifty 3.0 10.0 26.7 45.4 51.3

60 % returns in last 2 years

Expect the portfolio to generate 15-20% CAGR in the long-term on an absolute basis and outperform the Sensex on a relative basis

Product comparison

Insurance Products Mutual Funds Trading/broking Inertia

Transparency Low Low Low Very High

Cost High Medium Very High Low

Performance VS Benchmark Very Low Medium Negative High

Customized Service No No No Yes

Alignment of Interest No No No Yes

Brand Value Very high High Medium New Brand

Fee High Medium Very high Low

PORTFOLIO SIZE ADVISORY FEE

INR 0-2 Lakhs INR 1,000 per Quarter

INR 2-5 Lakhs INR 1,500 per Quarter

INR 5-10 Lakhs INR 2,000 per Quarter

> INR 10 Lakhs 0.2 % of Portfolio size per Quarter

No Fee for underwater portfolio : Pay us fee only when your portfolio has given returns

Free Trial for One Quarter

Post Paid Service

SummaryEasy to understand product which can be evaluated against its objective .

Product with complete alignment of Interested.

Product with complete transparency.

Low cost .

Client is at driver’s seat.

No alternate product available in the market.