What is FTM ?

  • FTM stands for FinAtoZ Timing Model. It is an algorithm written by IIT and IIM graduates who founded FinAtoZ.
  • FTM is based on the principle of Dynamic Asset Allocation that moves your investments from one asset to another based on market conditions.
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Dynamic Asset Allocation

Switches your investment from equity to bonds (and vice versa) based on market conditions => Enhanced Returns with Reduced Risk.

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Choice of right Sector

FTM uses a proprietary algorithm to increase allocation to a particular sector of economy based on macro-economic conditions.

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Process driven fund selection

FTM employs a process driven mutual fund selection approach to choose the better funds for investments from over 6500 funds available in the market.

Why FTM returns are better ?

  • One can typically invest in four asset classes: FD, Real Estate, Stock Market & Gold.

  • Historically, these assets have exhibited cyclical returns.

  • Catching the cycles right would have yielded more than 100x returns over the last 20 years.

  • However, an average investor made only 4x to 8x returns.

  • FTM model based investments would have generated 25x returns in the same duration.

How FTM selects the right asset class?

FTM is a combination of Fundamental and Technical Analysis which analyses fundamental macro-economic paramaters like GDP growth trends, Interest rate cycle, etc. to ascertain which asset class is likely to perform better than the rest.

Once a particular asset class is selected, the entry and exit to that asset is fine-tuned by analyzing Technical parameters like Trend Line Analysis and Statistical Modeling.

How Timing is done ?

Based on Fundamental Parameters:

Indian GDP Growth Trend

Interest Rate Cycle

Sensex Valuation

Currency Movements

Based on Technical Parameters:

Trend Line Analysis

Momentum indicators

Volume indicators

Statistical Modeling

FTM Performance History

FTM gave twice the returns of Sensex in the past 10 years

Sensex Vs FTM with 30K SIP per month from 2006 to 2016

*All returns are shown for a regular investment of 30,000 on the 1st of every month. Performance prior to 2013 is based on sample back testing.

* Past performance does not guarantee future returns

Yearly return comparison b/w Sensex and FTM

Yearly Risk (Std. Deviation) comparison b/w Sensex and FTM

FTM gave significantly higher risk adjusted returns in the past

*All returns are shown for a regular investment of 30,000 on the 1st of every month. Performance prior to 2013 is based on sample back testing.

* Past performance does not guarantee future returns

FTM Fund Selection Process

We follow a process driven approach to select the best funds for FTM. We take exposure to a particular asset or sector using Mutual fund route.

Step 1– Filter 50 fund out of around 6500 mutual fund based on their past performance.

Step 2– Perform risk analysis and further reduce to around 30 funds.

Step 3– Do in-depth analysis of these 30 funds. Check the sector and stocks they have invested in.

Step 4– Finally look at the fund manager track record. Only selected funds make it to the final list.

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Our Execution Process

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