15%

ICICI Prudential , Elite wealth with reducing FMC post 6th year onwards, bec

Policy Annualised
Year
Premium
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15

1000000
1000000
1000000
1000000
1000000

Premium
Allocation
Charge

Amount
available for
investment
(out of
Premium)

30000
30000
30000
30000
30000

969,600
969,600
969,600
969,600
969,600

Mortality
Charge
25810
22191
18086
13428
8144
5267
1994

Policy
Admin
Charge
4800
4800
4800
4800
4800

Service Tax

9352
11015
12903
15043
17472
11385
12460
13899
15816
17997
16578
18903
21554
24576
28022

t 6th year onwards, because of Loyalty Additions

Fund
Fund before Manag
FMC
ment
Charge
1115040
2380025
3815119
5443197
7290211
8270562
9411279
10709330
12186414
13867225
15779863
17992594
20515605
23392406
26672606

1.35%
1.35%
1.35%
1.35%
1.35%
1.05%
1.05%
1.05%
1.05%
1.05%
0.85%
0.85%
0.85%
0.85%
0.85%

FMC

Fund at
End

15,053
32,130
51,504
73,483
98,418
86,841
98,818
112,448
127,957
145,606
134,129
152,937
174,383
198,835
226,717

1099987
2347895
3763615
5369714
7191793
8183721
9312461
1E+007
1E+007
1E+007
2E+007
2E+007
2E+007
2E+007
3E+007

Vs.

Equity MF
with Flat
FMC @
2.25% (wo
Term
Insurance)
1124125
2387782
3808290
5405120
7200155
8093874
9098526
10227881
11497417
12924533
14528791
16332177
18359409
20638271
23199996

FD & MF

Year 1
Year 2
Year 3
Total Gains

Mutual Fund with 20% returns p.a.

Fund A
16.00% Fund B
16.00% Fund C
500000
80000
500000
80000 500000
580000
580000
92800 580000
672800
672800
780448
533248

Fixed Depo
16.00%
80000
92800
107648

Year 1
Year 2
Year 3
Total Gains

Page 1

FD & MF
Fixed Deposit with 9% Interest Rate
FD 1
9.00% FD 2
9.00% FD 3
9.00%
1000000 90000 1000000
90000 1000000 90000
1090000
1090000
98100 1090000 98100
1188100
1188100 106929
1295029
573129

Page 2

Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9

Lumpsum FD
1000000
1060300
1124236.09
1192027.526
1263906.786
1340120.365
1420929.623
1506611.68
1597460.364

FD & MF

umpsum FD
90000
95427
101181
107282
113752
120611
127884
135595
143771

Page 3

MF Recommendations

Fund Name
Axis Equity Fund
Axis Long Term Equity Fund
Birla Sun Life Frontline Equity Fund

Launch
Date

Category

Rating

1-Year
Return (%)

12/01/09
12/01/09
08/01/02

Large Cap
Tax Planning
Large & Mid Cap

4 Star
5 Star
4 Star

49.37
79.26
57.34

Birla Sun Life Manufacturing Equity Fund

01/01/15
- Regular Plan

Large & Mid Cap

Unrated

--

DSP BlackRock Dynamic Asset

Allocation Fund - Regular Plan

Hyb Asset Alloc

Unrated

15.2

4 Star
5 Star

84.46
104.68

01/01/14

DSP BlackRock T.I.G.E.R. Fund - Regular

05/01/04
Plan
08/01/09
Franklin Build India Fund

Infrastructure
Infrastructure

Franklin India Multi Asset Solution Fund 11/01/14

Franklin India Prima Plus Fund
09/01/94

Hybrid Others
Large & Mid Cap

Unrated
5 Star

-67.79

Franklin India Smaller Companies Fund

Franklin India Taxshield Fund
HDFC Balanced Fund
HDFC Infrastructure Fund
HDFC Mid-Cap Opportunities Fund

12/01/05
04/01/99
08/01/00
02/01/08
06/01/07

Mid & Small Cap

Tax Planning
Hybrid Equity
Infrastructure
Mid & Small Cap

5 Star
4 Star
4 Star
3 Star
4 Star

96.81
67.63
53.42
89.19
76.73

ICICI Prudential Balanced Advantage

Fund - Regular Plan

12/01/06

Hybrid Equity

4 Star

33

Large Cap

5 Star

51.08

ICICI Prudential Focused Bluechip Equity

05/01/08
Fund Regular Plan
ICICI Prudential Tax Plan - Regular Plan

08/01/99

Tax Planning

4 Star

62.26

ICICI Prudential Value Discovery Fund Regular Plan

07/01/04

Mid & Small Cap

4 Star

87.47

Kotak Equity Savings Fund - Regular

Plan
Kotak Select Focus Fund Regular Plan

10/01/14
08/01/09

Hybrid Equity
Large & Mid Cap

Unrated
4 Star

-66.67

L&T Business Cycles Fund - Non-Direct

Plan
Reliance Equity Opportunities Fund

08/01/14
03/01/05

Multi Cap
Mid & Small Cap

Unrated
3 Star

-68.44

Reliance Retirement Fund - Wealth

Creation Scheme
SBI Bluechip Fund
SBI Magnum Global Fund
UTI Opportunities Fund

02/01/15
01/01/06
09/01/94
07/01/05

Large & Mid Cap

Large & Mid Cap
Mid & Small Cap
Large Cap

Unrated
4 Star
4 Star
5 Star

-59.5
79.76
50.94

Page 4

MF Recommendations
Since
3-Year
5-Year
Inception
Return (%) Return (%) Return (%)

Standard Sharpe
Deviation Ratio Beta

Alpha R-Squared

NAV As on
3rd March
2015

25.79
37.65
27.79

14.95
25.52
16.76

14.69
25.3
25.47

13.7
13.88
14.8

1.18
1.76
1.2

0.92
0.9
1.03

5.96
14.54
6.36

0.9
0.84
0.96

20.3
32.19
171.23

--

--

2.6

--

--

--

--

--

10.26

--

--

14.92

--

--

--

--

--

11.62

22.25
37.55

11.03
20.69

20.54
21.73

24.13
18.45

0.59
1.42

1.51
1.15

-2.58
13.42

0.78
0.78

74.31
29.5

-27.79

-18.03

3.24
20.49

-13.93

-1.26

-0.93

-7.29

-0.88

10.31
451.6

43.63
27.52
24.28
19.64
33.4

24.81
19.09
19.04
9.9
24.37

16.13
27
18.04
8.39
18.9

16.47
13.48
11.86
28.2
15.89

1.81
1.28
1.24
0.49
1.39

0.96
0.89
0.94
1.73
0.91

19.13
7.36
6.87
-5.29
12.03

0.68
0.87
0.73
0.75
0.65

39.25
434.66
110.59
17.56
37.91

21.18

15.71

12.17

8.81

1.42

0.74

6.3

0.84

25.59

23.76

17.69

18.07

13.76

1.05

0.96

3.85

0.96

30.88

27.99

17.59

23.97

14.66

1.24

0.91

8.15

0.77

282.64

35.92

22.93

26.43

16.08

1.49

0.93

13.74

0.66

118.91

-29.12

-18.1

6.68
17.16

-15.07

-1.27

-1.01

-8.02

-0.89

10.65
23.76

-30.16

-21.5

28.85
23.04

-15.38

-1.3

-0.91

-9.94

-0.69

12.89
78.53

-28.82
34.62
22.49

-16.04
22.65
16.91

12.52
22.45
18.52

-12.77
13.72
14.01

-1.42
1.66
0.97

-0.87
0.73
0.95

-8.65
14.73
3.02

-0.91
0.56
0.92

10.13
29.11
136.79
51.72

Page 5