In This Issue :
Most promising theme
for 2022
01
As we entered into new year 2022, we
expect the market to be little concentrated
in terms of performing stocks ....
Year 2022 may not be a year of broad-based rally but would be a
year for stock pickers says a leading mutual fund house.
After a disturbing 2019-20, the year 2021 has been one of the most
active years in all terms - digital companies making their debut through
IPOs and lapping up a vast proportion of the new money, existing mid-
cap and small cap companies delivered phenomenal returns, and the
markets have been in an uptrend.
With inflation moving up and the Fed showing its intentions to tighten
liquidity, markets in last couple of months have been a bit volatile, with
the FIIs being seller almost on a daily basis.
continue on next page .....
INVESTMENT KNOWLEDGE CENTER
A monthly Newsletter to manage your personal finance
D E C E M B E R 2 0 2 1
02
Market Indicators - Check
the important numbers
and indicators of the
month
Inspiring Case Story
of Mr. Narayanan Target
of Rs. 2 Cr.
03
New Year Investment
Resolution
04
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As per a report published by a leading mutual fund house, 2022 is
starting with an expectation of tightening liquidity, increasing interest
rates and uncertainty around COVID still remaining. However, on the
brighter side, economy is showing strength and the corporate earning
cycle is on an uptrend.
With two opposing themes playing around, experts expect 2022 to be
much more range bound for the broader markets, however some of the
sectors may do really well.
Through our continues educative programs and communications we
kept you informed and helped you in keeping up the best investment
behaviour in 2021. We promise to continue with similar efforts and
provide you complete hand holding in 2022 also. Best wishes for
your health & wealth in the year ahead.
(Vikash Didwania)
Managing Director
Shrambal Distributors
1 Year movement chart for - SENSEX
The BSE SENSEX is a free-float market-weighted stock market index of 30 well-established and financially
sound companies listed on the Bombay Stock Exchange.
1 Year movement chart for - NIFTY
The NIFTY 50 is a benchmark Indian stock market index that represents the weighted average of 50 of the
largest Indian companies listed on the National Stock Exchange.

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CHAPTER #1
MOST PROMISING THEME
FOR 2022
Digitization of the Economy was the predominant theme during CY21 with IPOs of multiple new age digital
companies taping the market for capital. Digitization has also meant that the Indian IT companies are growing
at the fastest pace seen over last decade. Experts see this theme to remain one of the predominant one
during next year as well. We have mentioned some of such IPOs detail for your reference :
The online food delivery platform, Zomato was
one of the most sought after amongst the new-
age businesses that got listed this year.
Listing price of Rs. 126 (as on 23 Jul 2021)
Current Market price is Rs. 141.50 (as on 3 Jan 2022)
PB Fintech, the operator of online insurance
aggregator Policybazaar and credit comparison
portal Paisabazaar, too was a much sought after
IPO when it arrived in the primary market.
Listing price of Rs.1332.35 (as on 18 Nov 2021)
Current Market price is Rs. 950.40 (as on 3 Jan 2022)
FSN E-Commerce Ventures, which operates the
online beauty e-commerce platform Nykaa, was
another such new age business which created a
buzz amongst investors upon its arrival.
Listing price of Rs.2205.80 (as on 10 Nov 2021)
Current Market price is Rs. 2111.50 (as on 3 Jan 2022)
MTAR Technologies, a Hyderabad-based precision engineering solutions company, was a favorite
amongst the investors. The company has capabilities to build nuclear and pressurized water
reactors, aerospace engines, missile systems, aircraft components and many such other critical
components and assemblies.
Listing price of Rs. 1017.70 (as on 26 Mar 2021)
Current Market price is Rs. 2460.90 (as on 3 Jan 2022)
One the most famous platforms in the payments
space of the country, One 97 Communications,
the parent entity of digital payments firm Paytm,
was already the talk of the town when it initially
filed its draft papers with market regulator SEBI.
Listing price of Rs.1560.80 (as on 18 Nov 2021)
Current Market price is Rs. 1342.95 (as on 3 Jan 2022)
Zomato
PB Fintech
Nykaa
MTAR Technologies
Paytm

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There are many mutual fund schemes, which consist of stock portfolios based on digital theme. Such fund are
called as Technology Funds, Digital Funds or InfoTech funds. As the name defines these mutual fund schemes
invests in assets of companies involved in the sector of technology. It is a Sectoral Fund and falls under very high-
risk category.
Given below is a returns chart for the whole category:
If you look at the above chart it clearly shows that, this theme has delivered steady returns over all type of
investment periods - whether it is a medium term or long term.
This is always good to take exposure of such sectoral theme through SIPs (Systematic Investment Plan). You can
select schemes from the list given below :
Do not miss to start a SIP in Technology theme.
Contact us freely at +91-98300-84878 or email at admin@shrambal.com
to get instant help in investments.
Disclaimer : Mutual Fund investments are subject to market risks, read all scheme related documents carefully. 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.

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CHAPTER #2
Market Indicators for Month
ending December 2021

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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 last one year)

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CHAPTER #3
Inspiring case story of
Mr. Lakshmi Narayanan
In this issue of Newsletter we are sharing the story of our savings ambassador Mr. Lakshmi Narayanan, aged 48
years. Mr. Narayanan is a shopkeeper whose total income comes from this single source of business. In this
changing world of technology and all round disruption, he wanted to create a corpus for monthly income by the age
of 55-60 Years.
When he first met us around 10 years back, he committed around Rs. 30K per month towards this goal. As per our
calculation, we estimated to create a corpus of Rs. 1 Crore by the end of 15th year. Hence we created a basket of
mutual fund schemes to run SIPs (Systematic Investment Plan) of Rs. 30000 per month.
Given below is the table representing the current value of his investments (Rs. 30000 per month) as on 31 Dec
2021.
Thanks to good performance of Indian Equity market and the selected mutual
fund schemes, his total investment target of Rs. 1 Crore is already achieved in
just 10 years. That's called the power of equity and power of compounding.
As a new year resolution Mr. Narayanan now want to double his target i.e.
instead of 1 Crore now he is looking to build a corpus of Rs. 2 Crore by the
end of 15th year i.e. at the age of 53 years. He has committed to add another
Rs. 20000 to his SIP kitty.
So now, Mr. Narayanan is running the total SIP of Rs. 50000 per month
and aims to reach total corpus of Rs. 2 Crore in next 5 years.
We wish all the best to Mr. Narayanan's investment aspirations and
salute him for disciplined savings towards his dream.
We are here to help you and motivate you at all stages. Call us at +91-98300-
84878 or email us at admin@shrambal.com
is a wonderful
investment vehicle for all
type of financial objectives.
You just have to discuss
your objectives with us, set
a side of fixed amount for
monthly investment, and
go for it!
SIP
(Systematic Investment Plan)
Disclaimer : The name of the Schemes shown in above table are specific to this case story of
Mr. Narayana; and it is should not be a taken as recommendation or advice from our side.
You are advised to select your SIP according to your risk profile and investment tenure. The
minimum investment to start an SIP is Rs. 500 per month
SIP

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CHAPTER #4
New Year Investment Resolution
Investing Resolutions to Make for the New Year :
As the new year comes, most of us try to create some good resolution towards their habit or discipline. Let me help
you to make some good investing resolutions to manage your personal finance in better way in 2022.
To start with, let us collect your investment portfolio for the year end. Then review your portfolio performance
visavis your desired investment target. It is also advised to check your portfolio performance in comparison to the
standard benchmark like NIFTY, SENSEX etc.
Only then can you consider which financial resolutions will help you achieve your money goals going forward. Here
are few quick investments resolutions which everybody should make on this new year.
1. Choose right person for your investment related help
Generally people get attracted towards zero fees or low fees offer when it comes to investment. I believe that
investment is not a simple purchase like cloth, electronic goods etc. It is a serious journey which is started to
accomplish various life goals. Hence every investor require motivation, guidance and regular handholding during
the journey.
Choose a Mutual Fund Distributor (MFD) or a Financial Product Distributor (FPD) who qualifies in above criteria.
Fees is an important factor but as you know - there is no free lunch! If you share due charges towards the services
then you will certainly get the due reward. As you know Mutual Fund Distributors (MFDs) are being rewarded by
way of commission paid by mutual fund companies which is ultimately charged from the fund itself. However such
expenses are properly regulated and capped by SEBI.
We are a Mutual Fund Distributor (MFD) offering our complete service basket through our website, mobile
application and local office. Do contact us to give a new shape to your investment journey for 2022.
2. Don't blindly rush to ETF / Passive Funds
Due to lower base value in 2019, almost all Index based ETFs or Passive Funds delivered phenomenally high
returns. This has suddenly attracted new age investors towards ETF Funds. However if you are looking to generate
better alpha by way of beating the benchmark, you should look at investing under active fund management. If
you’re heavily invested in actively managed mutual funds, you may opt for some passively managed exchange-
traded funds (ETFs) or index funds instead.
3. Diversify Your Portfolio
Diversification is important for insulating your investments against volatility in the market. If your investments are
concentrated in one particular asset class, you’re putting your whole portfolio at risk if that market sector
experiences a downturn. If your investments lack variety, injecting some new blood into your holdings should be on
your to-do list for 2022.
Gold Funds, for example, can be a good hedge against inflation or International Funds can be a good hedge
against fluctuations in the global market.

6. Create or Update Your Financial Checklist
An annual review of your financial checklist or investment target is always
a good thing to do before the new year starts. Here you'll want to make
sure that any changes you've had over the past year, or those that are
expected in the future, are reflected in your goals and how you expect to
achieve them.
Make sure you have a thoughtful budget that allows you to live your lifestyle
while also saving enough for both emergencies and for future goals. Segment
your goals by time horizon, from short-term ones like buying a new washing
machine to medium-term ones like college savings, and long-term ones like
retirement.
Review your investments to make sure that they still satisfy these goals, and
if not make the proper adjustments. You may also use this opportunity to
check in with us for your investment review session.
These resolutions can be useful if
you’re ready to press the reset
button on your investment
strategy for the New Year. The
hardest part about making
resolutions is sticking to them,
however. To make sure you stay
on track, consider how they fit into
your larger financial plan. We are
always there to help you and
motivate you on better savings.
4. Become a More Regular Rebalancer
Periodically rebalancing your portfolio helps to ensure that you’re maintaining the right asset allocation to meet
your investment goals. The trouble is that all too often investors fail to take a hands-on role in managing their
investments, preferring a set-it-and-forget-it approach.
On average, less than a quarter of investors ever make the effort to rebalance their portfolio during their whole
investment journey. If you haven’t paid much attention to rebalancing in the past, the New Year is an opportunity to
change things up. For example, if you normally rebalance once a year, think about increasing that to bi-annually or
quarterly. While you don’t need to review your asset allocation daily, you should be keeping a finger on the pulse of
what’s happening with your investments.
You can call us freely for one to one meeting or discussion for Portfolio review. Although we have a automated
review reminder process on bi-annual and annual bases.
5. Increase Your Tax Efficiency
Taxes can present another drain on your investments. This typically is not something you have to worry about with
a qualified Mutual Fund Distributor like us. We insure that your safer investment should earn better than traditional
Bank FDs and get Taxed at lower rates. Like Debt Mutual Funds if held for 3 years or more than, the entire gain
portion is treated as a long-term capital gain (LTCG). Similarly when you invest in any equity mutual fund, your
income is treated as short-term capital gain (STCG) income if it is redeemed before 1 year and Long term capital
gain (LTCG) if it is redeemed after 1 year. So choosing mutual fund as your key investment vehicle you can save a
lot of taxes which you pay otherwise. Also try to explore a good mediclaim policy and other tax saving products to
reduce your taxable income.
Important
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.
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admin@shrambal.com
www.shrambal.com
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Corporate Office : Swastik Enclave, 7, Ganpat BaglaRoad, BlockA, 3rd Floor, Room No 302, Kolkata-700007,West Bengal