century sip presentation

Century SIP

SIP with Free Life Insurance Cover upto 100 Times

Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing.

Human Life Cycle

PPhhaassee II PPhhaassee IIII PPhhaassee IIIIII

CChhiilldd’’ss MMaarrrriiaaggee

CChhiilldd’’ss EEdduuccaattiioonn

HHoouussiinngg

CChhiilldd bbiirrtthh

MMaarrrriiaaggee

2222 yyrrss

EEdduuccaattiioonn

3388 yyrrss

EEaarrnniinngg YYeeaarrss

1100-- 2200 yyrrss

PPoosstt RReettiirreemmeenntt YYeeaarrss

AAggee-- 2222 yyrrss AAggee-- 6600 yyrrss


Phase II – Most Challenging Phase

Meet Current

Recurring

Expenses

Taking Care of

Child’s Needs

Build Capital

Assets like

House & Car

Make Provisions

for

Retirement

Our family continues to have these financial needs, whether we survive or not…

Hence we NEED,

Investments + Insurance


Century SIP

A complete solution


Unique Value Proposition

Century SIP

Free Life

Insurance

Cover

Power of

Systematic

Investing

Mutual Fund

House of the

Year*

* Awarded by CNBC TV 18 – Crisil; Please refer to slide number 38 for awards methodology; Past performance may or may not be sustained in the future.


Free Life Insurance Cover

• Century SIP - SIP with Free Life Insurance Cover

• Cost of Insurance to be entirely borne by the AMC

• Uniform Insurance Cover*

• Year 1 – 10 Times the Monthly SIP Installment

• Year 2 – 50 Times the Monthly SIP Installment

• Year 3 onwards – 100 Times the Monthly SIP Installment

• Limits above are subject to maximum coverage of Rs. 20 lakhs per investor

• Life cover continues even if SIP stops

• Wide Range of Age Group Covered

• Minimum / Maximum Entry Age – 18 Years / Below 46 Years

• Cover continues upto the age of 55 years

• Investor just needs to sign a “Declaration of Good Health”

• No additional documents or medicals are required; only a small questionnaire to be filled up

* Subject to specified terms & conditions


Various Scenarios

Century SIP

SIP Continues SIP Stops

Scenario

SIP continues upto

Maturity

(55 y of age)

Scenario

SIP continuing &

unfortunate event of

death happens

Scenario

SIP discontinues

before 3 years

from the date of 1st

installment

Scenario

SIP discontinues after

3 years from the date

of 1st installment

Life cover

continues upto age

55 & ceases

thereafter

Nominee is paid the

Sum Insured + the

Fund Value

Life cover ceases Life cover continues @

fund value* subject to maximum of 100 times

Monthly SIP

Installment

Note – Insurance cover would cease , if investor redeems (fully / partially) or switch out (fully / partially) units before completion of the Century SIP tenure

* Fund Value = Value of units, accumulated under Century SIP, at start of the each policy year.


Benefit to the Family

Century SIP @ Rs. 5,000 pm

Fund Value Life Cover Total Benefit to

the Family

Unfortunate Event of Death

at the end of year 5

408,348 500,000 908,348

Unfortunate Event of Death

at the end of year 10

1,150,193 500,000 1,650,193

Rate of Return assumed @ 12% pa

Computations - Internal


Offers Uniform Insurance Cover

9 Uniform Life Cover through out

9 Life cover paid in addition to the fund value

9 Life cover continues even if SIP discontinues*

9 You get covered when you need it the most i.e.

AS YOU GROW OLD

9 Life cover reduces with payment of the SIP

installments

9 Life cover proceeds goes to the AMC, towards

payment of outstanding SIP installments

Scenario – 10 Year SIP @ Rs.2,000 pm Installment


Century SIP vs. Others

Features Other SIPs with Life Cover* Century SIP

Sum Insured

Depends on tenure of SIP

Upto 100 times Monthly SIP installment

Max 10 lakhs

Max 20 lakhs

Sum Insured (if SIP stops before

maturity)

No insurance cover

Cover continues, if SIP stops after 3 years,

@ fund value, subject to maximum of 100

times monthly SIP installment

Life Cover Proceeds (in case of pre

mature death)

Goes to AMC towards payment of

remaining SIP installments

Goes to the nominee

Benefits to Nominee (in case of pre

mature death)

Fund Value + Life Cover equivalent to

outstanding SIP installments

Fund Value + Life Cover equivalent upto

100 times SIP installments

Minimum SIP Installment Rs. 2,000 pm Rs. 1,000 pm

Entry Load 2.25% 2.25%

Exit Load 2% thru out the tenure of SIP 2% upto 3 years & Nil thereafter

Exit Load (in case of pre mature death) 2% on Fund Value and also on Insurance

amount

Nil

Age Group 20 Y to less than 46 Y 18 Y to less than 46 Y

Maximum Age upto which Cover is

Available

55 Y

55 Y

MinimumTenure 3 years 3 years

Maximum Tenure 15 years 37 years

Payment Options ECS & Direct Debits ECS, Direct Debits & PDCs

* Based on Published Information of other available SIPs


Life Cover Continues even if SIP

Discontinues

Century SIP Other SIPs with Life Cover ~

SIP discontinues

before 3 years from

the date of 1st

installment

SIP discontinues

after 3 years from

the date of 1st

installment

SIP Discontinues

Life cover ceases

Life cover ceases

Life cover continues

@ fund value*

subject to maximum

of 100 times monthly

SIP installment

* Fund Value = Value of units, accumulated under Century SIP, at start of the each policy year

~ Based on Published Information of other available SIPs


Century SIP vs. Term Insurance

Century SIP

Free Life Cover

No Individual Underwriting

No Medical Tests

Term Insurance

Annual / Single Premium

Individual Underwriting

Medical Tests*

Features


Life Cover – Y 1 = Rs. 50,000; Y 2 = Rs. 250,000; Year 3 onwards = Rs. 500,000

Term Life Insurance Premium for Various Ages

25 Y 35 Y 45 Y

Year 1 Year 2 Year 3 Year 1 Year 2 Year 3 Year 1 Year 2 Year 3

Sum Insured Rs. 50,000 Rs. 250,000 Rs. 500,000 Rs. 50,000 Rs. 250,000 Rs. 500,000 Rs. 50,000 Rs. 250,000 Rs. 500,000

Premium Payment Term~ 1 Y 1 Y 28 Y 1 Y 1 Y 18 Y 1 Y 1 Y 8 Y

Annual Premium^ Rs. 210 Rs. 1,050 Rs. 2,100 Rs. 255 Rs. 1,275 Rs. 2,550 Rs. 383 Rs. 1,913 Rs. 30,600

Total Premium Rs. 275 Rs. 1,375 Rs. 58,800 Rs. 255 Rs. 1,275 Rs. 45,900 Rs. 383 Rs. 1,913 Rs. 30,600

Total Savings Rs. 60,060 Rs. 47,430 Rs. 32,896

* May or may not be required; ̂ Based on market estimates;

~ upto age 55 Savings with Century SIP


Total Savings with Century SIP

Could be…

Whopping

Rs. 200,200* !!!

* Refer to Annexure 1 for workings


A Million Dollar Question…

Is Investing in Equity the

Right Choice???


Kal Aaj Aur Kal

1985

Balcony Ticket : Rs 15/- 2008

Balcony Ticket : Rs 240/-

Inflation Meter: 13.43% p.a.

Source & Computations - Internal


Kal Aaj Aur Kal

1985

Hotel Bill: Rs.100/- 2008

Hotel Bill: Rs 1,200/-




Kal Aaj Aur Kal

1985

Petrol Price: Rs. 8 / L 2008

Petrol Price: Rs.52 / L




Kal Aaj Aur Kal

1985

MBA Course: 40,000/-

2008

MBA Course: 8,00,000/-




Price Of 1985 2008

Toothpaste

Masala Dosa

1 Kg of Sugar

1 Kg of Salt

1 Kg of Onions

1 Litre of Milk

5

5

4

2

3

4

50

25

22

10

18

28

Kal Aaj Aur Kal

Aapka Daily Budget

Consider this… All Fig. in Rs.



Kal Aaj Aur Kal

Salary 1985 2008 Appreciation

Accountant Rs. 5,000 pm Rs.24,000 pm 7.39% p.a.

Manager Rs. 8,000 pm Rs. 40,000 pm 7.59% p.a.

“Aamdani Athanni, Kharcha Rupaiyah”



How Do I BEAT Inflation???

Investing in Equity is Risky, but

Not investing in Equity could be Riskier…

Note - Graph above is for illustrative purpose only based on our perception


Equity – Best Performing Asset Class

Cumulative annualized returns

(1985-2006)

Source - CLSA


Equity – Best Performing Asset Class

Growth is a NEED, not an option

Cumulative annualized returns

(1985-2006)

You are loosing

even your capital

Tax

Inflation

Source – CLSA; Tax @ 33.33% of FD Returns


BSE Sensex – 5 Years CAGR Returns

Sensex has Given Positive Returns 22 Times out of 25

(25 periods between 31st Mar 1984 to 31st Mar 2008)

Source – BSE India; Computations - Internal


Why SIP?


The Formula of Creating Wealth

Start Early Invest Regularly Create Wealth


Start Early

You • Current Age: 25 years

• Start: Today

• Invest: 5 years

• Amount: Rs 12,000 p.a.

• Redemption at age 60 years

Your Twin • Current Age: 25 years

• Start: At age 30

• Invest: 20 years

• Amount: Rs 12,000 p.a.

• Redemption at age 60 years

Total Investment

You – Rs. 60,000

Your Twin – Rs. 240,000

You start

investing

Your twin

start investing

You stop

investing

Your twin stop

investing

Age (in years) Rate of return assumed @ 15% pa; Source - Internal

Delays could severely affect your wealth creation goals



Invest Regularly

Illustration

Rs.1000/- invested every month for 30 years

Even small amounts

invested regularly

can grow

substantially

Source - Internal

Invest Regularly

• It is the small drops that make an ocean

• Relieves you of the last minute pressure

• Slow and steady wins the race

• E.g. Split your Sec 80C investments into smaller amounts and invest every

month

• Reduces the risk of investing at the wrong time

• Difficult to predict the market and know when is the right time

We earn regularly; We spend regularly

Shouldn’t we also invest regularly?


Systematic Investing

• Similar to a Recurring Deposit with a bank

• Method of investing predetermined amounts of money regularly to

benefit from the stock market volatility

• Convenient and Hassle-Free

• Automatic investments, one-time instruction, transactions on the net

• Similar to PF : Small amount invested regularly to become a

sizeable sum after some years

• Light on the wallet

• As low as Rs. 1,000/- per month


BSE Sensex – 10 Years SIP

SIP @ Rs. 1,000 pm in BSE Sensex

(10 Years starting 1st May 98)

SIP Returns @ 23.93%

Returns for Investments in

Lump-sum @ 17.22%

(As on 30th Apr 2008)

Power of

Rupee Cost

Averaging

Rs. 425,867

Source - MFIE

30-Apr-08


Month

Amount Invested (In

Unit Price

(In Rs.)

No. of Units

Purchased

1

2

3

4

5

6

Rs. 1,000

Rs. 1,000

Rs. 1,000

Rs. 1,000

Rs. 1,000

Rs. 1,000

10.00

9.00

8.50

11.00

10.50

10.00

100.00

111.11

117.65

90.91

95.24

100.00

Total Rs. 6,000 614.91

Power of Rupee Cost Averaging

• Buying MORE units @ low prices & buying FEWER units @ high prices

• Helps AVERAGE out your purchase price

• Illustration:

Equity investing is

not about timing the

market but time in

the market

Total Investment = Rs. 6,000

Value of Lump-sum Investment* = Rs. 6,000

Value of SIP Investment* = Rs. 6,149.10

* At the end of the 6th month


BSLAMC Top Performers Outperforming Benchmarks across Time Horizons

Scheme

NAV as on

30th Apr 08

(In Rs.)

SIP Returns (%)

1 Year 3 Years 5 Years

Since

Inception

Date of Inception /

Date of 1st

Installment

Birla Sun Life Equity Fund (G) 230.01 -1.38 28.44 41.97 36.25 27-Aug-98 /

BSE 200 10.80 29.02 33.24 26.34 01-Oct-98

Birla Mid Cap Fund (G) 84.91 1.31 28.50 39.69 42.40 03-Oct-02 /

CNX Mid Cap 10.63 27.75 34.83 37.97 01-Nov-02

Birla Sun Life Frontline Equity

Fund (G)

66.87 9.23 32.48 37.69 39.48 30-Aug-02 /

BSE 200 10.80 29.02 33.24 26.34 01-Oct-02

Birla Sun Life Tax Relief 96 (D) 93.82 -5.75 26.61 33.40 37.66 29-Mar-96 /

BSE 200 10.80 29.02 33.24 26.34 01-Apr-96

Past performance may or may not be sustained in future. Load and Taxes are not considered for computation of returns. The data assumes the

investment of Rs. 1,000/- on 1st day of every month or the subsequent working day. CAGR Returns are computed after accounting for the cash flow by using the XIRR

method (investment internal rate of return). G – Growth & D - Dividend


Strong Industry Recognition

4 Fund Houses were eligible out of 26. Please refer to slide number 38 for awards methodology; Past performance may or may not be sustained in the future.


Other Features Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing.

Century SIP

• Century SIP will be an optional feature

• Feature will be available with SIP investments in all equity schemes (open-ended) offered by the BSLAMC

• Minimum & maximum investments amounts:

• Minimum investment – Rs. 1,000 pm

• Maximum investment – There is no upper limit to the monthly installment.

• Tenure of the SIP

• 55 years less the current completed age of the investor

• Load structure

• Entry Load – 2.25% for purchase of units

• Exit Load

o 2% if the units allotted under Century SIP are redeemed or switched out to another scheme before 3

years from the date of allotment; Nil thereafter

o In the unfortunate event of death of the investor, the nominee / joint holder may redeem the amount

(fund value) without paying any exit load.


Life Insurance Cover

• Eligibility criterions:

• Only individual investors, excluding Non Resident Indians & Persons of Indian Origin

• Minimum / Maximum Entry Age – 18 years / below 46 years

• Investors enrolling for investments thru Century SIP in designated schemes

• Investors signing genuine “Good Heath Declaration” and also providing their Date of Birth, Gender and Nominee

details at the specified places in the application form

• In case of joint holders in the scheme, only the first unit holder would be eligible for the insurance cover

• Commencement of the insurance cover • The Insurance cover will start from the commencement of Century SIP. However, only accidental deaths will be covered for

the first 45 days.

• When will the insurance cover cease* • At the end of the tenure. i.e., upon completion of 55 years of age.

• Discontinuation of Century SIP installments within 3 years from the commencement of the same

• Redemption / switch-out (fully or partly) of units purchased under Century SIP before the completion of the Century SIP

tenure

• Exclusions from the insurance cover • Death due to suicide within first year of commencement of Century SIP

• Death within 45 days from the commencement of Century SIP installments except for death due to accident

• Death due to pre-existing illness, disease(s) or accident which has occurred prior to commencement of Century SIP

* There will be no provision for revival of insurance cover, once ceased


Other Terms & Conditions

• The Group Life Insurance Cover will be governed by the terms and conditions of the insurance policy with the relevant

Insurance Company as determined by the AMC.

• Grant of insurance cover to any individual member shall be discretionary on part of Life Insurance Company.

• In case of death of the first unit holder, his / her legal representatives may file a claim directly with the designated branch of the

Insurance Company supported by all relevant documents as required by the Insurer and the payment of the claim may be

made to the legal representatives by the insurance company. All insurance claims will be settled in India and shall be payable

in Indian Rupees only. Settlement procedure will be as stipulated by the Insurance Company. Insurance claims will be directly

settled by the Insurance Company. There will be only one insurance cover linked to unique investor. This offer from the

Insurance Company (with whom the AMC ties up) is being brought to the investors of the Scheme by the AMC on a best effort

basis. The AMC will not be responsible or liable for maintaining service levels and/or any delay in processing claims arising out

of this facility.

• The Mutual Fund, Trustees, AMC, or their Directors, officers or employees shall not be liable for any claims (including but not

limited to rejection of any claim, non-settlement, delays etc.) arising out of the insurance cover provided to the unit holder. The

Fund is bringing this offer to the investors of the Scheme only as an additional facility and is not acting as an agent for

marketing/sales of insurance policies.

• Subject to what has been stated above, the AMC reserves a right to modify / annul the said Group Insurance Cover on a

prospective basis. The AMC also reserves the right to change the insurance company from time to time.

• Charges of the insurance cover will be entirely borne by the AMC.

• Investors opting for Birla Sun Life Century SIP agree and confirm to have read, understood and accepted the Terms of

Century SIP and Insurance cover.

• Insurance is subject matter of solicitation


Statutory Details, Disclaimer &

Risk Factors Statutory Details: Constitution: Birla Sun Life Mutual Fund (BSLMF) has been set up as a Trust under the Indian Trust Act, 1882. Sponsors: Aditya Birla Nuvo Limited and Sun Life (India) AMC Investments Inc. [liability

restricted to seed corpus of Rs. 1 Lac] Trustee: Birla Sun Life Trustee Company Pvt. Ltd. Investment Manager: Birla Sun Life Asset Management Company Ltd.

Investment Objective: Birla Advantage Fund: An Open ended Growth Scheme to achieve long-term growth of capital at relatively moderate levels of risk through a diversified research based investment approach. Birla

Equity Plan: An Open-ended Equity Linked Savings Scheme to achieve long-term growth of capital along with income tax relief for investment. Birla India Opportunities Fund: An Open-ended Growth Scheme to achieve

superior long-term growth of capital by investing in shares of companies that do one or more of the following: Leverage India’s intellectual capital for providing services, research and creative inputs; Seek to use current and

impending changes in patent laws / import tariffs / quotas to supply goods and services; Leverage India’s lower labour costs for providing services and manufactured goods; Leverage India’s large population of English speaking

people for providing services.Birla MNC Fund: An Open-ended Growth Scheme to achieve long-term growth of capital at relatively moderate levels of risk by making investments in securities of multi-national companies

through a research based investment approach.Birla Midcap Fund: An Open-ended Growth Scheme to achieve long-term growth of capital at controlled level of risk by primarily investing in Midcap stocks.Birla India GenNext

Fund: An Open ended growth scheme with an objective to target growth of capital by investing in equity/equity related instruments of companies that are expected to benefit from the rising consumption patterns in India, which in

turn is getting fuelled by high disposable incomes of the young generation (Generation Next). The scheme will invest in companies that have the following characteristics: 1.Companies that seek growth in revenues arising out of

demand from the younger generation (GenNext) for their products or services. 2. They should be engaged in manufacturing of products or rendering of services that go directly to the consumer. 3. The products and services

should have distinct brand identity, thereby enabling choice.Birla Top 100 Fund: The fund seeks to provide medium to long-term capital appreciation, by investing predominantly in a diversified portfolio of equity and equity

related securities of top 100 companies as measured by market capitalization.Birla Infrastructure Fund: The Fund seeks to provide medium to long-term capital appreciation, by investing predominantly in a diversified portfolio of

equity and equity related securities of companies that are participating in the growth and development of Infrastructure in India.Birla Index Fund: An Open-ended Index-Linked Scheme to generate returns commensurate with

the performance of Nifty subject to tracking errors.Birla Dividend Yield Plus: An Open-ended Growth Scheme to provide capital growth and income by investing primarily in a well diversified portfolio of dividend paying

companies that have a relatively high dividend.Birla Sun Life Buy India Fund: A multi-sector open-end growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 100%

equity, focusing on investing in businesses that are driven by India’s large population and inherent consumption patterns. The focus of the scheme will be in the consumer and healthcare sectors. The secondary objective is

income generation and distribution of dividend.Birla Sun Life New Millennium Fund: A multi-sector open-end growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 100%

equity, focusing on investing in technology and technology dependent companies, hardware, peripherals and components, software, telecom, media, internet and e-commerce and other technology enabled companies. The

secondary objective is income generation and distribution of dividend. Birla Sun Life Basic Industries Fund: A multi-sector open-end growth scheme with the objective of long term growth capital, through a portfolio with a

target allocation of 100% equity, focusing on investing in companies sensitive to economic cycles and commodity pricing cycles. The investments will be in companies which are often referred to as cyclical companies. The

secondary objective is income generation and distribution of dividend.Birla Sun Life Equity Fund: An open-end growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 90%

equity and 10% debt and money market securities.Birla Sun Life Tax Relief ’96 Fund: An open-end equity linked savings scheme (ELSS) with the objective of long term growth of capital through a portfolio with a target

allocation of 80% equity, 20% debt and money market securities.Birla Sun Life Frontline Equity Fund: An open-end growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of

100% equity by aiming at being as diversified across various industries and or sectors as its chosen benchmark index, BSE 200. The secondary objective is income generation and distribution of dividend.Birla Sun Life

Special Situations Fund: An Open-ended diversified equity scheme with objective to generate long-term capital by investing in a portfolio of equity and equity related securities.The scheme would follow an investment strategy

that would take advantage of Special Situations & contrarian investment style.Birla Sun Life International Equity Fund: An Open-ended Diversified Equity Scheme with an objective to generate long-term growth of capital, by

investing predominantly in a diversified portfolio of equity and equity related securities in the domestic and international markets.

Disclaimer - This document is meant for private circulation only and should not at any point of time be construed to be an invitation to the public for subscribing to the units of Birla Sun Life Mutual Fund (BSLMF) . Birla Sun Life

Mutual Fund (BSLMF) does not solicit any action based on the information contained in the document and does not recommend any action based on the same. The information/graphs/charts contained in this document are

based on certain assumptions and have been compiled from sources, which Birla Sun Life Asset Management Company Limited (BSLAMC) believes to be reliable, but cannot guarantee its accuracy or completeness. Opinions

expressed and facts referred to in this document are subject to change without notice and BSLAMC is under no obligation to update the same. Please read the offer document carefully for scheme specific risk factors and other

details before investing.

Risk Factors: Mutual Funds and securities investments are subject to market risks and there can be no assurance or guarantee that the objectives of the Schemes will be achieved. As with any investment in securities, the

NAV of the Units issued under the Schemes may go up or down depending on the various factors and forces affecting capital markets and money markets. Past performance of the Sponsors / Investment Manager / Mutual

Fund does not indicate the future performance of the Schemes and may not necessarily provide a basis of comparison with other investments. The names of the Schemes do not, in any manner, indicate either the quality of the

Schemes or their future prospects or returns. Unitholders in the schemes are not being offered any guaranteed/assured returns. For scheme specific risk factors and other details please read the offer document of the

schemes available at Investor Service Centres and with Distributors carefully before investing.


Awards Methodology

Award : CNBC TV18 - CRISIL Mutual Fund of the Year Award for 2007. Birla Sun Life Mutual Fund, Category – Mutual Fund of the Year, out of 26 fund houses. Fund Houses winning at least two awards for their schemes in

the category level awards for 2007 were considered for the award based on consistency of fund house's performance across various scheme categories in the four quarterly CRISIL CPR rankings released during the calendar

year 2007. The individual CRISIL CPR ranks for their schemes were aggregated on a weighted average basis to arrive at the final ranks for fund houses.

Birla Sun Life Frontline Equity Scheme was among the 2 schemes that won the CNBC TV18 - CRISIL Mutual Fund of the Year Award in the category- Large Cap Oriented Equity Funds. In total 22 schemes were eligible for the

award universe. Birla MIP was the only scheme that won the CNBC TV18 - CRISIL Mutual Fund of the Year Award in the category- Monthly Income Plans (Conservative). In total 9 schemes were eligible for the award universe.

Birla Sun Life Short Term Fund was the only scheme that won the CNBC TV18 - CRISIL Mutual Fund of the Year Award in the category of Income Short Term Funds. In total 12 Schemes were eligible for the award universe.

Birla Sun Life Income Fund was the only scheme that won the CNBC TV18 - CRISIL Mutual und of the Year Award in the category of Income Funds. In total 17 Schemes were eligible for the award universe. Schemes present in

all four quarter CRISIL CPRs were considered for the award. The award is based on consistency of scheme's performance in the four quarterly CRISIL CPR rankings released during the calendar year 2007. The individual

CRISIL CPR parameter scores averaged for the four quarters were further multiplied by the parameter weight as per the CRISIL CPR methodology to arrive at the final scores. Birla Infrastructure Fund was the only scheme that

won the CNBC TV18 - CRISIL Mutual Fund of the Year Award in the category- Emerging Equity Fund of the Year. In total 14 schemes were eligible for the award universe. Open ended equity schemes having a one to two year

track record as on December 31, 2007 and fulfilling CRISIL's eligibility criteria on disclosure were considered for the award. The award is based on the scheme's performance using the analytical approach of the CRISIL CPR

rankings having the analysis period as the year 2007.

A detailed methodology of the CRISIL CPR is available at www.crisil.com. Ranking & Award Source: CRISIL Fund Services, CRISIL Ltd. Past performance is no guarantee of future results.

ICRA Award: Birla Income Plus (Category- Debt- Schemes –Long Term), 7- Star indicates- Best performance amongst the 5-Star Funds. 1 year Performance for the period ending December 31, 2007. Birla Sun Life Short Term

Fund (Growth)- (Category- Liquid Plus Schemes), 7- Star indicates- Best performance amongst the 5-Star Funds. 1 year Performance for the period ending December 31, 2007. The rank is an outcome of an objective and

comparative analysis against various parameters, including: risk adjusted return, fund size, sector concentration, portfolio turnover, liquidity, company concentration and average maturity. The ranking methodology did not take

into account entry and exit loads imposed by the scheme. The rank is neither a certificate of statutory compliance nor any guarantee on the future performance of Birla Sun Life Mutual Fund or its Schemes. Ranking source and

publisher: ICRA Online.

Lipper Awards 2008: Methodology: Birla Sun Life Income Fund –Growth: Best Fund –Bond Indian Rupee –General for 3 year performance period ended on December 31, 2007 out of 100 funds and Best Fund –Bond Indian

Rupee –General for 10 year performance period ended on December 31, 2007, out of 35 funds. Birla Gilt Plus- Regular Plan- Growth: Best Fund –Bond Indian Rupee –Government for 5 year performance period ended on

December 31, 2007, out of 10 funds. Birla Sun Life '95 Fund: Best Fund- Mixed Assets Aggressive- General for 10 year performance period ended on December 31, 2007, out of 6 funds. Entry / Exit load not considered. Past

performance is no guarantee of future results. Ranking source: Lipper –A Reuter Company.

Scheme Name, Nature & Objective: Birla Sun Life Frontline Equity Fund (an Open- end growth scheme) with an objective of long term growth of capital, through a portfolio with a target allocation of 100% equity by aiming at

being as diversified across various industries and or sectors as its chosen benchmark index, BSE 200. Birla Sun Life Monthly Income (an Open-end income scheme) with an objective to generate regular income so as to

make monthly and quarterly distribution to unit holders with the secondary objective being growth of capital. Monthly Income is not assured and is subject to availability of distributable surplus. Birla Sun Life Short Term Fund

(an Open-end short term income scheme) with an objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities with relatively low levels of

interest rate risk. Birla Sun Life Income Fund (an Open-end income scheme) with an objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market

securities. Birla Infrastructure Fund (an Open-end growth scheme) with an objective of providing for medium to long-term capital appreciation by investing predominantly in a diversified portfolio of equity and equity related

securities of companies that are participating in the growth and development of infrastructure in India. Birla Income Plus (an Open-end income scheme) with an objective to generate consistent income through superior yields on its

investments at moderate levels of risk through a diversified investment approach. Birla Gilt Plus (an Open-end Government Securities scheme) with an objective to generate income and capital appreciation through investments

exclusively in Government Securities. Birla Sun Life '95 Fund (an Open-end balanced scheme) with an objective of long term growth of capital and current income, through a portfolio of equity and fixed income securities.


http://www.crisil.com/

Thank You


ANANDARAMAN.R, B.Com. ARN-30155

(FINANCIAL PLANNER & WEALTH MANAGER)

#107, VYSIAL STREET, PONDICHERRY – 605 001

TEL.: 0413-4210045, MOB.: 9843046519

E-mail; [email protected]

Annexure 1 – Total Savings with Century SIP


Life Cover – Y 1 = Rs. 200,000; Y 2 = Rs. 1,000,000; Year 3 onwards = Rs. 2,000,000

Features

Term Life Insurance Premium for Various Ages

25 Y 35 Y 45 Y

Year 1 Year 2 Year 3 Year 1 Year 2 Year 3 Year 1 Year 2 Year 3

Sum Insured Rs. 200,000 Rs. 1,000,000 Rs. 2,000,000 Rs. 200,000 Rs. 1,000,000 Rs. 2,000,000 Rs. 200,000 Rs. 1,000,000 Rs. 2,000,000

Premium Payment

Term~ 1 Y 1 Y 28 Y 1 Y 1 Y 18 Y 1 Y 1 Y 8 Y

Annual Premium^ Rs. 700 Rs. 3,500 Rs. 7,000 Rs. 800 Rs. 4,000 Rs. 8,000 Rs. 1,315 Rs. 6,575 Rs. 13,150

Total Premium Rs. 700 Rs. 3,500 Rs. 196,000 Rs. 800 Rs. 4,000 Rs. 144,000 Rs. 1,315 Rs. 6,575 Rs. 105,200

Total Savings Rs. 200,200 Rs. 148,800 Rs. 113,090

^ Based on market estimates; ~ upto age 55


century sip presentation

Economy & Finance