This is the Monthly Newsletter by JUST INVEST ONLINE. This is not for sale, and purely meant for education and informative purpose.

1. JUSTTHEFACT
Monthly Newsletter by Just Invest Online
VOLUME 03, 09/20SEP
Dear Readers,
First of all I would like to thank you all for your comments and feedbacks on the
inaugural issue of our Newsletter. In this issue we have kept the topics intact ,
as previous one, but tried to cover some interesting reads related to good
investing.
We have witnessed the astronomical returns form the quality and the
expensive stocks have continued to perform well. Despite their higher
valuation,these stocks are on top of the chart for last 1, 2 and even three years..
Analyst and experts believe that, these same Nifty 500 stocks are likely to
continue their outperformance, underscoring India’s apparent preference for
quality over value.
I am sure you have learnt the art of good investing by way of SIP ( Systematic
Investment Plan) and using the features of SWP ( Systematic Withdrawal Plan) ,
as explained in our previous issue. Read some more inspiring stories and
interesting market Gyan in this issue,and invest right !
Best Wishes,
INSIDE
1 Investment Gyan
2 Case Story
3 Market
Indicators
4 Q & A
fromeditor'sdesk
Chetan Jain , Managing Partner,
Just Invest Online

2. Debt : Equity Ratio < 20%
There is a Saying, “ IF YOU FAIL TO PLAN, YOU PLAN TO FAIL” .. i.e. “If you fail to
plan, you are planning to fail.”Finance is a very integral part of our lives. We work
hard all throughout, fulfilling wishes like buying a house, going on a dream vacation,
children’s marriage, child’s education and much more. But all the hard work will not
have any significance if one doesn’t make a proper Goal plan for their future. A
proper plan of investments Mix that will give good yields at proper time is a must for
everyone. We at Just Invest Online will help you in every step of executing your plan,
with safe & secure online investing platform. With over 15 years of existence in the
Financial industry, we have helped our clients in hassle free execution and easy to
track valuation tools. We have helped our clients in terms of incidental advice and
suitability test, to pick up right investment choices at the appropriate time. We at
Just Invest Online are thorough professionals and believe only in giving our best to
the client. That’s why, the team ensures to be in sync with the latest happenings of
the industry and updating the same to customer and also we ensure that our clients
have the ease to access their portfolio and are aware of the investments made in few
easy clicks.
Any questions related to investments ? Do you want to
get your Investment Suitability test done for free ? Do
you want to execute your financial plan through new
products or existing products ? Visit our website
www,jiol.in or E mail at info@justinvestonline.com
ORDER AT : +91 -98864 41717
Our Objective
To provide our customers of Just Invest
Online one of the best Online Platforms
(via Website and Mobile App) to Transact
and Manage their financial Portfolio and
at the same time to handhold our clients
to achieve their life goals with right
instruments and right product Mix,

3. TALK TO US AT : 12345677777
CHAPTER1
Investment Gyan - How to correct your Finances ?
If answer to any of the above question is 'No' - then you must correct that area by way of
more learning or proper help from your Investment Advisor.
We at JIO ( Just Invest Online) are here to execute any of your transactions at a click, and
offer you hassle free services
You can even mail us at : info@justinvestonline.com to get the appropriate learning
material related to each of the above 'Questions'
CONTD..

4. TALK TO US AT : 12345677777TALK TO US AT : +91 - 98864 41717
SEBI Issues New Rules For
Multi-cap Funds. What
Should The Investors Do?
On September 11th, the Securities and Exchange Board of India (SEBI) released a circular
which called for a material change in the portfolio structure of Multi-cap funds.
Multicap funds needed to have a minimum of 65% of their assets invested in equities at
any given time. This means the fund manager was free to decide how much of the scheme
assets were going to large-cap companies, mid-cap, and small-cap companies.
Here are the 2 New SEBI Rules For Multicap Funds :
Number 1: Minimum allocation to equities was increased from 65% to 75% This change
won’t have a major issue, because Multi cap funds are generally invested in equities most
time.
Number 2: Defined minimum allocation in each market capitalization. This means at least
25% each in large-cap companies, mid-caps, and small-cap companies.
As an impact of this new regulation, we expect a major shift of funds from Large cap Stocks
to Mid and Small Cap stocks.
The table shown below ( Source : ET) , will explain the clear position of few Multicap Funds
in India. This table in itself will explain you the reason, why there will be a windfall buying
actions in Small Cap stocks, after the SEBI notifications

5. Chapter 2 :
How Dhruv Created a
SMART Corpus for
his Daughter's Education ?
TALK TO US AT : +91 -98864 41717
This is a true story of Dhruv & Nisha ( names changed for privacy matter), who are a proud
parent of Drishti 19 Yrs , pursuing her Bachelors Degree in Mumbai. Dhruv & Nisha both are
working and has been investing through us since last 10 years
I still remember, when they approached me for investing their monthly savings towards the
education fund for Drishti, in the year 2010. Playing my role as a Goal Estimator, I asked them
their requirements . I asked them following questions :
1. Are you clear about the future education plan of Drishti ? I mean, do you have any plans
for her abroad education ?
2. How much money would you require( assuming Drishti is of 18 Yrs today ) ? Do you need a
lumpsum amount or a regular cash flow to sustain her education expenses ?
ANSWERS PROVIDED BY THE PARENTS :
They were very clear that they had no plan for abroad
education as Drishti was their only child. As per their fund
requirements, they were willing to achieve a regular cash
flow stream for Drishti when she would attain the age of 19
yrs. As per their estimate they desired for a monthly Income
of approximately Rs 10000 per month from the year 2020.
The parents were ready to allocate Rs 10000 per month for
this purpose
CONTD..

6. INCIDENTAL ADVICE PROVIDED BY US :
Since both Dhruv and Nisha were a working parent and
young , the calculation put them in an ‘Aggressive
Investor category’ . Hence we suggested them an
investment plan which could grow to a level so as to give
them a fixed cash flow of Rs 10000 per month !
They invested in a Value Fund called – ICICI Prudential
Discovery Fund through a monthly SIP of Rs 10000 per
month , starting from 13th Sept 2010.
Let us see the actual growth of their Capital as on 1st
September 2020 :
CONTD..

7. TALK TO US AT : +91 -98864 41717
This month onwards, Dhruv & Nisha is going to stop this SIP and switch all their proceeds in a
less riskier and a dynamic asset allocation fund – ICICI Prudential Balanced Advantage Fund.
Further , they have opted for a monthly withdrawal of Rs 700 per lac per month i.e @8.4% per
annum. So on the total capital of Rs 22 lacs they will be now getting Rs 15,400 per month (
much more than what they desired)
We at JIO is happy to share this story of disciplined savings and SMARTER investments by this
young couple. Today Drishti is pursuing her career a Mumbai and living with her parents;
parents are happy that they are free from any financial burden due to Drishti’s higher
education. Drishti can now use the capital anytime, when she gets to the job or when she gets
married or when she wish to acquire any asset later in her age.
We salute to this SMART parent for their patience and discipline to run their SIP.
Note : The fund performance shown in the story are real and used for the presentation
purpose only. There is no guarantee that the past performance will be repeated in
future also. We do not directly or indirectly recommend any scheme through this story
but want our readers to get inspired through the actual numbers. You are advised to
talk to us for suitability match, before going for any particular investments
C o n t a c t u s a t :
info@justinvestonline.com o r c a l l
a t 98864 41717 t o o r d e r f o r a n y o f
t h e S I P r e l a t e d i n v e s t m e n t s - w e
d o n ' t c h a r g e a n y f e e s !
D i s c l o s u r e s : W e a r e r e g i s t e r e d
d i s t r i b u t o r o f v a r i o u s M u t u a l F u n d
a n d I n s u r a n c e p r o d u c t s . O n e s h o u l d
n o t e t h a t p a s t p e r f o r m a n c e o f a n y
s c h e m e i s n o t t h e g u a r a n t e e o f i t s
f u t u r e p e r f o r m a n c e

8. CHAPTER3
Market Indicators
CONTD..

9. Contd..

10. Q&ACORNER
Q : How can I start investing in a Mutual Fund
Scheme, if I know my Risk appetite and scheme
catgeory ? How do you help in this ?
Questions Posted on our Social Media
FB/justinvest | Linkedien/justinvest
98864 41717
info @justinvestonline.com
www.jiol.in
App : justinvestonline
You can invest in Mutual Funds by simply calling us
at 9886441717 or E mail us at :
info@justinvestonline.com. Our team will assist you
in creating a one time MF trading account, online.
After completing this one time process of
Onboarding, you can easily start investing yourself
via our mobile app or website. You can even place
your orders on phone. You must know here that
there are fixed trading time for Mutual Fund units,
which varies from asset to asset; like for Liquid funds
we have a cutoff time of 11 am while for Equity funds
we have a cutoff time of 1 pm
Q : What can be my investment value if I invest
Rs 2000 per month for 20 Yrs ?
You have not mentioned anything about your Risk
appetite here, hence I am simply presenting the
calculation based upon an assumed ROI of 12% p.a
across various periods. Please check the table on the
right side of this page
I must congratulate you on this great initiative to
share informations and insights on key
investment subject through your News letter DO
you charge anything for the subscription ?
Vivek, Nasik
JTF : Thanks for your appreciation . No sir, we don't
charge anything for this . This is strictly for private
circulations only. You just need to be on our mailing
list to get the regular copies of our publications