Dear Sirs, Please find attached herewith our Newsleter Magazine for February 2022. Our magazine topics on Value Investing during crisis, stories for benefits of investing, Market Indications. Wish you Happy Reading !! Best Wishes !! KASHINATH S MANTRI, SUNRISE ASSOCIATES

1. BUDGET
WAR &
ELECTION
BUDGET
WAR &
ELECTION
A MONTHLY NEWSLETTER TO MANAGE YOUR PERSONAL FINANCE
INVESTMENT KNOWLEDGE CENTER
FEBRUARY 2022
MARKET OFFERS VOLATILITY & OPPORTUNITY
INSIDE EDITORIAL
INSPIRING CASE STORY
INVESTING DURING CRISIS
MARKET INDICATORS
Disclaimer : Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

2. When we are out with our latest issue of NEWSLETTER by the end of February
2022, world is watching yet another crisis ! Russia – Ukraine WAR.
As Indian Stock market tanked around 5% on Thursday 24th Feb 2022
amidst Russia – Ukraine war situation, most investors got into panic and fear
grip. By the time we are publishing this Newsletter, the WAR Crisis is more
intensified and the peace talk is looking dim. The Crisis seems to take an ugly
turn if NATO members unite together and push Russia to take some
dangerous turn.
There are many political and expert comments available in free media which
are providing live updates on the situation. However, we have shared a
special note related to this WAR situation and key reasons behind this Crisis.
Understanding the key reason for any crisis gives you better control on your
emotional decisions related to such event.
For our readers, most important thing to understand is that every CRISIS is
temporary and is bound to end. There is a saying ‘ Fall is temporary but
Growth is permanent’ . If you look at similar other WAR CRISIS situations in
past and see how Nifty 50 has performed after it, you will find an interesting
pattern :
When we are out with our latest issue of NEWSLETTER by
the end of February 2022, world is watching yet another crisis !
Russia – Ukraine WAR
Any WAR is bad for people and universe, but as an investor one should control his emotional behaviour and actions to
get the best advantage of such CRISIS. For better understanding, we have a special chapter in this Issue – “ Every
CRISIS is an opportunity - learn how to grab it ”.
Keep reading our Newsletter and do share it with your friends and relatives who are interested in managing their
personal Finance.
Editor
Kashinath Mantri
FEBRUARY 2022 02
Editorial
Mr. Kashinath Mantri
Managing Director
Sunrise Associates

3. GDP
CHAPTER 01 CRISIS VS OPPORTUNITY
FEBRUARY 2022 03
Every WAR , INVASION or CRISIS brings in lot of human pain and financial damage. However it is
bound to end ! Hence in simple words - " CRISIS is temporary, it is bound to end "
We have dedicated this special section for your confidence and clarity about wealth creation
through Equity Mutual Funds :
- if you have invested right, then just sit tight to reap maximum benefit
- SIP or STP is the best method to reap the benefit of any unseen CRISIS
- Never sell on Fall - try to buy instead
If you look at the pattern of Stock Market during this WAR CRISIS -
1st Feb 2022 : SENSEX was 58,862
24th Feb 2022 : SENSEX was 54,529 (Start of WAR)
4th Mar 2022 : SENSEX was 54,333 ( 10th Day of the WAR)
If you look at the pattern of this Fall, on 24th Feb
'22, actual WAR starting day, SENSEX came
down by around 7-8% from its month beginning.
However, it is stagnant at same point since last
10 days !
Stock Market always acts in advance. It later settles down when the event takes place - and it rises
upwards when the event closes. In case of RUSSIAN - UKRAIN war also, the market has behaved in
similar pattern :
7-8 % fall : On the event Day
Settled Down : During the event period ........so it will certainly give a sharp rise , as the event closes !
So the words of WISDOM is " Don't redeem or liquidate any of your Equity investments in current
scenario or any negative speculations" . Rather top up some of your SIPs or other investments by
way of additional purchase.
Ask us for easy to invest Online link to add funds to your existing folios.

4. 04
Source : valueresearchonline.com
Disclaimer : The past performance of the mutual funds is not necessarily indicative of future performance of the schemes. The Mutual Fund is not guaranteeing or
assuring any dividend under any of the schemes and the same is subject to the availability and adequacy of distributable surplus. Mutual Fund investments are subject
to market risks, read all scheme related documents carefully before investing.
Some of of our Readers have requested to post the chart of Equity Fund categories which can be used
for additional purchase or even fresh purchase under the recent discount due to WAR Crisis
In short term, there can be some immediate upside in metal or energy stocks, due to price rise;
however, as a long term investor one should not deviate from their existing investment objective
and folios. As a new scheme, you may select from any of the above mentioned fund categories.
What to do in GOLD or SILVER funds ?
Of Course Gold is an hedge against inflation ! And we clearly see inflation pressure ahead; may be
due to high Fiscal deficit of our country or rising interest rates across the Globe or any other reason
like WAR etc. Hence experts believe that Gold could be a good addition to the portfolio. Since
Mutual Funds have also launched SILVER based FOF , this has opened a new windows of
opportunity for investors in this category.
FEBRUARY 2022

5. GDP
RUPEE
CHAPTER 02 MARKET INDICATORS
F O R M O N T H E N D I N G F E B R U A R Y 2 0 2 2
05
FEBRUARY 2022

6. CHAPTER 02
06
FEBRUARY 2022

7. CHAPTER 02
07
Source - Morning Star as on 28th FEB 2021
NOTE: This is not a single scheme Fund Performance, this is an Avg. Performance of all the funds in same Category across
the MF Industry. However Performance may be different for different scheme under same category, Pls check with your
advisor for the TOP Performing funds in above category for various periods.)
FEBRUARY 2022

8. GDP
RUPEE
CHAPTER 03 INSPIRING STORY
O F M R . S A N J A Y J A I N
08
Disclaimer : The name of the Schemes shown in above table are specific to this case story of Mr. Neeraj; and it should not be
taken as recommendation or advice from our side. You are advised to select your SIP according to your risk profile and
investment tenure. Mutual Fund investments are subject to market risk. Please read the offer document carefully before investing.
A SIMPLE YET SUCCESSFUL METHOD FOR KIDS EDUCATION KITTY
This is yet another success story of a good SIP ( Systematic Investment Plan). This unique way of
investing has really become an easy method for retail investors to achieve all their financial Goals or
dreams. In this story of the month, we are sharing the real example of Sanjay Jain, our esteemed
customer who smartly used this SIP tool to create a successful Kitty for her daughter's education
How did Sanjay started his Investment Plan for education Kitty ?
He started his investment plan around 10 years back, in 2012 when his daughter was of 9 yrs of ,
when he was aged 38 Yrs. When he realised in 2012 that her daughter is more inclined towards
IT/Softwares and she may would pursue her career internationally. hence he estimated to taarget a
corpus of around Rs 50 Lakhs to be created by 2022.
What did Sanjay chose for investing ?
Sanjay chose to invest in Equity MFs. He set aside his savings of Rs 20K per month and requested
us to estimate the Future value of this Rs 20K per month , after 10 Years i.e by 2022.
We presented following simple table of presentation to him about his investments of Rs 20K:
approximately Rs 36 Lakhs if the ROI is 8% | approximately Rs 46 Lakhs if the ROI is 12% |
approximately Rs 55 Lakhs if the ROI is 15%
So as per the above presentation, Sanjay choose to select Equity Mutual Fund for higher Risk
Reward proposition. Since his investment tenure was long and the Risk appetite under his Goal was
also comparatively high; because he could anytime take education loans against the deficit, if any.
Hence Sanjay chose to go for Equity Mutual Funds.
And see what ! His Risk paid due reward - see the table below for the latest value of his monthly
SIPs started in 2012 :
FEBRUARY 2022

9. GDP
09
Note : We are an AMFI registered Mutual Fund Distributors. We work closely with our customers to help them achieve their
Financial dreams by way of savings motivation, correct estimations and quick investment execution. We help you select the SIP
according to your risk profile and investment tenure.
WHAT ARE THE KEY TAKEAWAYS IN THIS STORY ?
Every savings story is inspiring ! And every smart saver invest their funds with a purpose; they fix
their financial Goals smartly, before choosing their investment plan. Let us see some very important
learning points in the success story of Sanjay Jain's investment.
#1 : Visualising the Goal
#2 : Creating correct and realistic Goal Value
#3 : Choosing the correct Risk - Reward proposition
for your investments
#4 : Sticking to the plan under all weather conditions
#5 : Starting Early
We provide complete support to you in terms
of fulfilling all your investment objectives or
financial plans, by way of motivation - correct
calculations and more ! Just call and Fix a
formal discussion session with us - we are
here to help you.
Mind it !
SIP Zaroori Hai
FEBRUARY 2022

10. Disclaimer : Mutual Fund investments are subject to market risks. Read all scheme related documents carefully. The NAVs of
the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations
in the interest rates. The past performance of the mutual funds is not necessarily indicative of future performance of the
schemes. The Mutual Fund is not guaranteeing or assuring any dividend under any of the schemes and the same is subject to
the availability and adequacy of distributable surplus.
CHAPTER 04 SOME HISTORIC SIP
VALUES - 20 YRS
As the name suggest - Systematic Investment Plan ( SIP) is not a product but it is a method ! A nice
method to use your regular savings. A nice method to capture the downside of equity market.....and
of course, a nice method to accumulate units to avail the power of compounding.
There are many blogs and videos to guide investors for choosing a good SIP or suggesting
schemes for SIP. But please make sure to keep following two things in mind, before choosing your
SIP scheme :
a. The purpose and tenure of your SIP ( perpetual is a default option)
b. The Risk - Reward proposition suitable to your profile or Goal
We have listed SIP returns of last 20 Years, from some leading Equity Mutual Fund Schemes (Top
20 as on 4th March 2022) :
10
FEBRUARY 2022
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