Aim to Solve

Jigsaw of Volatility

Invest in
Mirae Asset
Multi Asset Allocation Fund
An open-ended scheme investing in equity, debt & money market instruments, Gold ETFs, Silver ETFs and exchange traded commodity derivatives
(The investment objective of the scheme is to provide long-term capital appreciation from a portfolio investing in equity and equity related
securities, Debt and money market instruments, Gold ETFs, Silver ETFs and Exchange Traded Commodity Derivatives. However, there is no assurance
that the investment objective of the Scheme will be realized.)

NFO opens on: 10th January 2024 | NFO closes on: 24th January 2024
Scheme re-opens for continuous Sale and Repurchase : 1st February 2024

What it aims to deliver

Diversification Hassle free Alpha Generation

May benefit from diversification Does away with the hassle of predicting which Potential to generate alpha
across asset classes through a asset class will do well & allows the through actively managed
single fund. combination which may work for you. equity portfolio.

Risk-adjusted Returns Rebalancing Tax Efficient returns

Seeks to provide better investment Portfolio will be rebalanced on a regular basis a) No tax on rebalancing within the
experience ‒ risk adjusted returns. based on the underlying Investment framework. fund; b) equity taxation on redemption.

Different Asset Class Faces in Different Market Phases

Apr-08 to Nov-09 Jan-16 to Oct-18 Sept-20 to Nov-23 Jan-20 to Apr-20

Bear Sideways Bull Covid-19 Crisis
Equity -17.8% [2.8%] 10.0% [0.8%] 22.1% [0.9%] -31.9% [3.4%]

Gold 19.4% [1.8%] 8.8% [0.6%] 6.1% [0.7%] 0.7% [1.4%]

Debt 13.6% [0.3%] 7.1% [0.1%] 5.2% [0.1%] 1.5% [0.3%]

Combination of Asset
(E:65 D:20 G:15) -8.3% [1.7%] 9.6% [0.6%] 17.3% [0.9%] -22.5% [2.3%]

X% [Y%] – X is the returns, and Y is the standard deviation on daily basis for the mentioned period.

Debt and Gold have acted as hedge against bear markets

Source: AceMF, AMFI, Bloomberg, as on 30th Nov 2023. E:Equity: S&P BSE 200 TRI, D:Debt: NIFTY Short Duration Debt Index, G:Gold: Domestic Gold Prices. Returns for more than 1 year are CAGR, less than
1 year are absolute. Past performance may or may not sustain in the future.
NFO: New Fund Offer
ETF: Exchange Traded Funds
 Winners keep on changing

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023

Equity Gold Gold Equity Debt Equity Debt Gold Equity Gold Gold Gold Equity Gold Equity
91% 23% 32% 33% 8% 37% 9% 11% 35% 8% 24% 28% 29% 14% 24%
Multi Multi Multi Multi Multi Multi Multi Multi Multi
Equity Debt Equity Debt Debt Equity
Asset* Asset* Asset* Asset* Asset* Asset* Asset* Asset* Asset*
18% 9% 6% 9% 7% 18%
64% 26% 25% 1% 25% 12% 19% 7% 20%
Multi Multi Multi Multi Multi Multi Gold
Gold Gold Debt Equity Debt Equity Debt Equity
Asset* Asset* Asset* Asset* Asset* Asset* 15%
24% 12% 10% 0% 6% 10% 4% 6%
16% -10% 5% 7% 3% 18%
Debt Debt Equity Debt Gold Gold Gold Equity Gold Equity Debt Debt Gold Debt Debt
8% 4% -26% 11% -5% -8% -7% 5% 5% 1% 9% 10% -4% 4% 7%

A Multi Asset framework has sailed through both periods of exuberance & stress

Source: AceMF, AMFI, Bloomberg, From 1st Jan 2009 to 29th Dec 2023. *Multi Asset: E: 65%, D: 20%, G: 15%), E:Equity: S&P BSE 200 TRI, D:Debt: NIFTY Short Duration Debt Index, G:Gold: Domestic Gold Prices.
Returns for more than 1 year are CAGR, less than 1 year are absolute. Past performance may or may not sustain in the future.

The Pentacle Framework

Equity & Equity Related Instruments *Commodity

˙ Anchored by In-house Equity Investment ˙Gold: Long Term Play & Potential Wealth Creation
Framework of GARP ˙Opportunistic position in Silver and other ETCDs
˙ Mix of Pure Equity & Arbitrage�Indicative Net ˙Core: Gold Tilted
Equity Levels: 40% to 75%
˙Tactical calls to adjust positions
˙ Mix of Top Down & Bottom-up stock selection
˙Long only
˙ Diversified across Sectors & Market
Capitalization, with a Large Cap bias Foreign Equities^
˙ Themes and opportunities Unavailable in India
Debt ˙ Based on Relative Attractiveness of Domestic vs Foreign Equity
˙ Allocation across Debt instruments ˙ Capitalize on global opportunities
˙ High Liquidity Focused ˙ Tactical Allocation
˙ Buy & Hold Strategy
˙ Short to medium duration based on
REITs & InVITs
directional movement of interest rates ˙ REITs & InVITs adds flavor of a distinct asset class
˙ Tactical Allocation

Source: Internal. Investment framework stated above may change from time to time without any notice and shall be in accordance with the strategy as mentioned in the Scheme Information Document.
*Commodity includes Gold ETFs, Silver ETFs, Exchange Traded Commodity Derivatives (ETCDs). For detailed asset allocation, refer SID. GARP: Growth At Reasonable Price
^Note: The scheme may invest in foreign securities including ADR/GDR/Foreign equity and overseas ETFs and overseas debt securities subject to Regulations. The scheme shall invest in overseas
fund/securities upto the headroom available and shall remain capped at the amount as at end of day of February 01, 2022, till any further clarification/notification is received from RBI/SEBI in this regard.
The investment by the scheme in overseas ETFs will be suspended if industry-wide limit for investment in overseas ETFs is breached in future.

Allocation based – Aim for Wealth Creation & limiting Volatility

As per SID As per proposed Framework

Equity 40% - 75%

65% - 80%
Arbitrage 0% - 25%

10% - 25% Debt 10% - 20%

10% - 25% Commodity* 10% - 15%

0% - 15% Foreign Equities^ 0% - 15%

0% - 10% REITs & InVITs 0% - 10%

Source: Internal. The above framework is the tentative allocation which may change from time to time without any notice and shall be in accordance with the asset allocation as mentioned in the Scheme
Information Document.
*Commodity includes Gold ETFs, Silver ETFs, Exchange Traded Commodity Derivatives (ETCDs). For detailed asset allocation, refer SID. GARP: Growth At Reasonable Price
^Note: The scheme may invest in foreign securities including ADR/GDR/Foreign equity and overseas ETFs and overseas debt securities subject to Regulations. The scheme shall invest in overseas
fund/securities upto the headroom available and shall remain capped at the amount as at end of day of February 01, 2022, till any further clarification/notification is received from RBI/SEBI in this regard.
The investment by the scheme in overseas ETFs will be suspended if industry-wide limit for investment in overseas ETFs is breached in future.
 Framework for Determining Net Equity Allocation

Absolute Relative
Valuation Parameter Valuation Parameter
Price to Book Bond Yield & Earnings
When the spread is higher i.e. Bond
When PB is high, decrease Value (P/B) Yield Spread
yield > Earnings yield, decrease
equity allocation & vice versa. • More suitable to gauge • Earnings yield is
equity allocation & vice versa
valuation of asset inverse of Price to
heavy businesses & Earnings
financials • A higher spread
• Anchors the model & indicates fixed
prevents it from income is more
swinging to extreme in attractive than equity
times of euphoria/ & vice versa.
distress.

Relatively Higher Weightage Relatively Lower Weightage

Flexibility to fine tune net equity allocation as suggested by framework within (+/-5%) based on Macro/fundamental factors
Net Equity Allocation is proposed to be in the range of 40% to 75%
The above is the framework proposed to be adopted by the Scheme and is subject to change in accordance with the provisions of the SID & depending on the market conditions.

Mirae Asset Mutual Fund Offerings Under Hybrid Category

MIRAE ASSET MIRAE ASSET BALANCED MIRAE ASSET MULTI MIRAE ASSET
EQUITY SAVINGS FUND ADVANTAGE FUND ASSET ALLOCATION FUND AGGRESSIVE HYBRID FUND

CONSERVATIVE DYNAMIC ALLOCATION AGGRESSIVE AGGRESSIVE

Unhedged Equity Unhedged Equity Unhedged Equity

Unhedged Equity~40% (+/)5%
~30% to 80% ~40% to 75% ~ 72% (+/-) 5%

Largecap Oriented Flexicap Oriented Largecap Oriented Largecap Oriented

Equity Taxation but Equity Taxation & Equity Taxation & Equity Taxation &
Low Equity Participation Dynamic Participation Multi Asset Participation High Equity Participation

Moderately Very High Risk Very High Risk Very High Risk
High Risk Experience

EFFICIENT TAXATION / BETTER EQUITY BETTER INVESTMENT ANCHORED RISK

CONSERVATIVE NEEDS EXPERIENCE EXPERIENCE SEEKING

To know more in detail about above mentioned Funds, please visit https://www.miraeassetmf.co.in/all-mirae-asset-schemes.

Taxation

Individual Asset Class Taxation

Domestic International Commodity/ Mirae Asset Multi
Equity/Equity Equity/Overseas Debt/Debt Commodity Asset Allocation
Oriented MF MF MF ETF/ETCD Fund

Short Term Capital Gains 15%^ 30%# 30%# 30%# 15%#

Long Term Capital Gains 10%^@ 30%# 30%# 30%# 10%^@

A Fund that provides dual benefit of No taxation on rebalancing$ and Equity taxation on redemption
^ Long term capital gain after 1 year holding period.
# It is assumed that investor is taxed at maximum marginal rate of tax. # Long-term capital gain after 3 year holding period. Surcharge & cess will be over and above the base tax rate as mentioned above.
@ Long term capital gain applicable for gain in excess of Rs.1 lac, + Specified Mutual Fund surcharge & Health & Education Cess will be over and above the base tax rates as mentioned above.
$ There is no tax implication on capital gains arising out of portfolio rebalancing within the Mutual Fund Scheme.
For further details please consult your tax advisor. MF: Mutual Fund
 About the fund managers

Mr. Harshad Borawake Mr. Amit Modani

Equity Portion Debt Portion

• Head of Research & Fund Manager • Dealer ‒ Fixed Income and Fund Manager
• Has over 18 years work experience • Has over 11 years of work experience
• Manages Mirae Asset Equity Savings Fund (Equity portion), • Manages Mirae Asset Debt Funds & Index Funds
Mirae Asset Aggressive Hybrid Fund (Equity portion)
Mirae Asset Balanced Advantage Fund (Equity portion)

Mr. Ritesh Patel Mr. Siddharth Srivastava

Commodity Portion Foreign Equities Portion

• Commodity analyst and fund manager • Head ‒ ETF Product and Fund manager
• Has more than 11 years of experience • Has more than 12 years of experience
• Manages Commodity ETF • Manages Mirae Asset international ETF’s and FoF’s

Fund Details

NFO Period: Benchmark: SIP Amount:

New Fund Offer (NFO) 65% S&P BSE 200 TRI + 20% Monthly and Quarterly:
10th January 2024 to NIFTY Short Duration Debt Index + 10% `500/- (multiples of `1/- thereafter),
24th January 2024 Domestic Price of Gold + 5% Domestic Price of Silver minimum 5 in case of Monthly or 3 in
case of Quarterly option.

Taxation Status: Minimum Investment Post New Fund Offer:

Equity Taxation Amount: `5,000/- Minimum Additional Purchase
and in multiples of Amount - ₹ 1000/- and in
`1/- thereafter. multiples of ₹ 1/- thereafter.

NSE Indices Ltd Disclaimer: NSE INDICES LIMITED do not guarantee the accuracy and/or the completeness of the Index or any data included therein and NSE INDICES LIMITED shall have not have any responsibility or liability
for any errors, omissions, or interruptions therein. NSE INDICES LIMITED does not make any warranty, express or implied, as to results to be obtained by the Issuer, owners of the product(s), or any other person or entity from
the use of the Index or any data included therein. NSE INDICES LIMITED makes no express or implied warranties, and expressly disclaims all warranties of merchantability or fitness for a particular purpose or use with respect
to the index or any data included therein. Without limiting any of the foregoing, NSE INDICES LIMITED expressly disclaim any and all liability for any claims, damages or losses arising out of or related to the Products, including
any and all direct, special, punitive, indirect, or consequential damages (including lost profits), even if notified of the possibility of such damages
Statutory Details: Trustee: Mirae Asset Trustee Company Private Limited; Investment Manager: Mirae Asset Investment Managers (India) Private Limited (AMC); Sponsor: Mirae Asset Global Investments Company Limited.
The information contained in this document is compiled from third party and publicly available sources and is included for general information purposes only. There can be no assurance and guarantee on the yields. Views
expressed cannot be construed to be a decision to invest. The statements contained herein are based on current views and involve known and unknown risks and uncertainties. Whilst Mirae Asset Investment Managers (India)
Pvt. Ltd. (the AMC) shall have no responsibility/liability whatsoever for the accuracy or any use or reliance thereof of such information. The AMC, its associate or sponsors or group companies, its Directors or employees accepts
no liability for any loss or damage of any kind resulting out of the use of this document. The recipient(s) before acting on any information herein should make his/her/their own investigation and seek appropriate professional
advice and shall alone be fully responsible / liable for any decision taken on the basis of information contained herein. Any reliance on the accuracy or use of such information shall be done only after consultation to the
financial consultant to understand the specific legal, tax or financial implications.
For further information about other schemes (product labelling and performance of the fund) please visit the website of the AMC: www.miraeassetmf.co.in
Please consult your financial advisor or mutual fund distributor before investing.

Mirae Asset Aggressive Hybrid Fund Mirae Asset Balanced Advantage Fund
(Aggressive Hybrid Fund - An open ended hybrid scheme Investing predominantly in equity and equity related instruments) (An open ended dynamic asset allocation fund)
PRODUCT LABELLING PRODUCT LABELLING
Mirae Asset Aggressive Hybrid Fund is suitable for Mirae Asset Balanced Advantage Fund is suitable for
investors who are seeking* Scheme Riskometer
Scheme Benchmark: CRISIL Hybrid 35+65 -Aggressive Index
investors who are seeking* Scheme Riskometer
Scheme Benchmark: Nifty 50 Hybrid Composite Debt 50-50 Index
Benchmark Riskometer Benchmark Riskometer
• Capital appreciation along with current income over Moder
a
High tely
Moder
a
High tely • To generate long-term capital appreciation/income
Moder
a
High tely
Modera
High tely
long term to te to te
ra
to te
ra • Investment in equity, equity related securities & debt, ra
to ate
r
Mo Low
Mo Low

Mo Low

Mo ow

• Aggressive hybrid fund investing predominantly in

de

de
de

de

money market instruments while managing risk

equities & equity related instruments with balance
Ver h

through active allocation

Ver h

Hig
Ver h

Veryh
Hig

Hig

Hig
y
y

exposure to debt & money market instruments

Investors understand that their principal *Investors should consult their financial advisors if they are not clear Investors understand that their principal The Benchmark is at High Risk
*Investors should consult their financial advisors if they are not clear The Benchmark is at Very High Risk
will be at Very High Risk about the suitability of the product. will be at Very High Risk
about the suitability of the product.

Mirae Asset Equity Savings Fund Mirae Asset Multi Asset Allocation Fund
(An open ended scheme investing in equity, arbitrage and debt) (An open-ended scheme investing in equity, debt & money market instruments, Gold ETFs, Silver ETFs and exchange traded
commodity derivatives)
PRODUCT LABELLING
PRODUCT LABELLING
Mirae Asset Equity Savings Fund is suitable for Scheme Riskometer
Scheme Benchmark: Nifty Equity Savings Index
Mirae Asset Multi Asset Allocation Fund is suitable for Scheme Benchmark:
65% S&P BSE 200 TRI + 20% NIFTY Short Duration Debt Index +
investors who are seeking* Modera
Benchmark Riskometer
Modera investors who are seeking*
Scheme Riskometer 10% Domestic Price of Gold + 5% Domestic Price of Silver
Hightely High tely
• Capital appreciation and income distribution Moder Moder

• To generate long term capital appreciation/income

a a
to te High tely High tely
to te
ra ra
• Investment in equity and equity related instruments,
Mo Low

Mo Low

to te to te
de

de

w ra

• Investments in equity, debt & money market

e w ra
e
M Lo

M Lo
od

arbitrage opportunities and debt & money

od

instruments, Gold ETFs, Silver ETFs and Exchange

Very

Very
Hig

Hig

market instruments
h

Very

Very
High

High

Traded commodity derivatives

*Investors should consult their financial advisors if they are not clear Investors understand that their principal The Benchmark is at Moderate Risk
will be at Moderately High Risk *Investors should consult their financial advisors if they are not clear Investors understand that their principal The Benchmark is at Very High Risk
about the suitability of the product. will be at Very High Risk
about the suitability of the product.

The Product Labelling assigned during the NFO is based on internal assessment of the scheme characteristics or model portfolio and the same may vary post NFO when the actual investments are made.
For further information about other schemes (product labelling and performance of the fund) please visit the website of the AMC: www.miraeassetmf.co.in

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Contact your financial advisor or
1800-2090-777 (Toll Free) Mon-Sat: 9 am-6 pm customercare@miraeasset.com
mutual fund distributor for details